<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CARDINAL BANKSHARES AND SUBSIDIARIES CONSOLIDATED BALANCE SHEET AT SEPTEMBER
30, 1999 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE NINE MONTHS
ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> SEP-30-1999
<CASH> 3,642,805
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 7,210,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 31,872,106
<INVESTMENTS-CARRYING> 18,408,406
<INVESTMENTS-MARKET> 17,514,000
<LOANS> 85,443,484
<ALLOWANCE> 1,625,856
<TOTAL-ASSETS> 152,608,710
<DEPOSITS> 134,101,071
<SHORT-TERM> 0
<LIABILITIES-OTHER> 809,957
<LONG-TERM> 0
0
0
<COMMON> 5,117,710
<OTHER-SE> 12,579,972
<TOTAL-LIABILITIES-AND-EQUITY> 152,608,710
<INTEREST-LOAN> 5,762,139
<INTEREST-INVEST> 1,929,019
<INTEREST-OTHER> 550,654
<INTEREST-TOTAL> 8,241,812
<INTEREST-DEPOSIT> 4,201,647
<INTEREST-EXPENSE> 4,201,647
<INTEREST-INCOME-NET> 4,040,165
<LOAN-LOSSES> 96,721
<SECURITIES-GAINS> 4,768
<EXPENSE-OTHER> 2,317,736
<INCOME-PRETAX> 1,929,926
<INCOME-PRE-EXTRAORDINARY> 1,429,839
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,429,839
<EPS-BASIC> 2.79
<EPS-DILUTED> 2.79
<YIELD-ACTUAL> 3.85
<LOANS-NON> 1,360,991
<LOANS-PAST> 195,061
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,556,052
<ALLOWANCE-OPEN> 1,668,201
<CHARGE-OFFS> 152,494
<RECOVERIES> 13,428
<ALLOWANCE-CLOSE> 1,625,856
<ALLOWANCE-DOMESTIC> 1,625,856
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
