<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CARDINAL BANKSHARES AND SUBSIDIARIES CONSOLIDATED BALANCE SHEET AT JUNE
30, 2000 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE SIX MONTHS
ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
EXHIBIT 27
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 2,547,428
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 3,125,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 36,549,889
<INVESTMENTS-CARRYING> 19,886,872
<INVESTMENTS-MARKET> 18,667,000
<LOANS> 87,730,891
<ALLOWANCE> 1,110,245
<TOTAL-ASSETS> 156,331,481
<DEPOSITS> 138,108,756
<SHORT-TERM> 0
<LIABILITIES-OTHER> 690,242
<LONG-TERM> 0
0
0
<COMMON> 4,942,110
<OTHER-SE> 12,590,373
<TOTAL-LIABILITIES-AND-EQUITY> 156,331,481
<INTEREST-LOAN> 3,816,509
<INTEREST-INVEST> 1,652,120
<INTEREST-OTHER> 190,561
<INTEREST-TOTAL> 5,659,190
<INTEREST-DEPOSIT> 2,904,504
<INTEREST-EXPENSE> 2,904,504
<INTEREST-INCOME-NET> 2,754,686
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,542,107
<INCOME-PRETAX> 1,127,365
<INCOME-PRE-EXTRAORDINARY> 889,051
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 889,051
<EPS-BASIC> 1.75
<EPS-DILUTED> 1.75
<YIELD-ACTUAL> 7.26
<LOANS-NON> 740,408
<LOANS-PAST> 161,283
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,661,521
<CHARGE-OFFS> 987,587
<RECOVERIES> 186,311
<ALLOWANCE-CLOSE> 1,110,245
<ALLOWANCE-DOMESTIC> 1,110,245
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>