<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<CIK>                         0000804563
<NAME>                        Benchmark Bankshares, Inc.
<MULTIPLIER>                                   1
<CURRENCY>                                     USA

<S>                             <C>
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<EXCHANGE-RATE>                                      1.000
<CASH>                                           7,533,280
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     22,934,298
<INVESTMENTS-CARRYING>                           5,383,170
<INVESTMENTS-MARKET>                             5,072,147
<LOANS>                                        152,262,727
<ALLOWANCE>                                      1,522,632
<TOTAL-ASSETS>                                 193,324,945
<DEPOSITS>                                     164,740,540
<SHORT-TERM>                                     8,307,462
<LIABILITIES-OTHER>                                229,197
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                           633,272
<OTHER-SE>                                      19,414,474
<TOTAL-LIABILITIES-AND-EQUITY>                 193,324,945
<INTEREST-LOAN>                                 13,209,176
<INTEREST-INVEST>                                1,916,364
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                15,125,540
<INTEREST-DEPOSIT>                               7,335,543
<INTEREST-EXPENSE>                               7,376,381
<INTEREST-INCOME-NET>                            7,749,159
<LOAN-LOSSES>                                      754,402
<SECURITIES-GAINS>                                    (547)
<EXPENSE-OTHER>                                  4,317,143
<INCOME-PRETAX>                                  3,568,358
<INCOME-PRE-EXTRAORDINARY>                       3,568,358
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     2,511,507
<EPS-BASIC>                                            .83
<EPS-DILUTED>                                          .83
<YIELD-ACTUAL>                                        4.22
<LOANS-NON>                                        795,000
<LOANS-PAST>                                       697,000
<LOANS-TROUBLED>                                   470,890
<LOANS-PROBLEM>                                  9,243,237
<ALLOWANCE-OPEN>                                 1,558,741
<CHARGE-OFFS>                                      754,402
<RECOVERIES>                                       112,263
<ALLOWANCE-CLOSE>                                1,522,632
<ALLOWANCE-DOMESTIC>                             1,522,632
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            770,668



</TABLE>