<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0000741516
<NAME> American National Bankshares Inc.
<MULTIPLIER> 1000
<S> <C> <C> <C> <C>
<PERIOD-TYPE> 3-MOS 6-MOS 9-MOS YEAR
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-2000 DEC-31-2000 DEC-31-2000
<PERIOD-START> JAN-01-2000 APR-01-2000 JUL-01-2000 JAN-01-2000
<PERIOD-END> MAR-31-2000 JUN-30-2000 SEP-30-2000 SEP-30-2000
<CASH> 14,267 13,849 12,952 12,952
<INT-BEARING-DEPOSITS> 1,806 820 3,224 3,224
<FED-FUNDS-SOLD> 0 0 0 0
<TRADING-ASSETS> 0 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 127,073 119,467 119,860 119,860
<INVESTMENTS-CARRYING> 44,035 43,603 43,026 43,026
<INVESTMENTS-MARKET> 43,142 42,827 42,712 42,712
<LOANS> 302,424 318,926 329,775 329,775
<ALLOWANCE> 4,286 4,463 4,619 4,619
<TOTAL-ASSETS> 504,229 511,062 522,918 522,918
<DEPOSITS> 397,061 389,570 408,441 408,441
<SHORT-TERM> 24,619 43,665 34,622 34,622
<LIABILITIES-OTHER> 3,934 2,827 2,816 2,816
<LONG-TERM> 21,000 16,000 16,000 16,000
0 0 0 0
0 0 0 0
<COMMON> 6,104 6,104 6,088 6,088
<OTHER-SE> 51,511 52,896 54,951 54,951
<TOTAL-LIABILITIES-AND-EQUITY> 504,229 511,062 522,918 522,918
<INTEREST-LOAN> 6,436 6,904 7,326 20,666
<INTEREST-INVEST> 2,579 2,575 2,501 7,655
<INTEREST-OTHER> 52 18 26 96
<INTEREST-TOTAL> 9,067 9,497 9,853 28,417
<INTEREST-DEPOSIT> 3,399 3,480 3,703 10,582
<INTEREST-EXPENSE> 3,950 4,179 4,527 12,656
<INTEREST-INCOME-NET> 5,117 5,318 5,326 15,761
<LOAN-LOSSES> 215 335 290 840
<SECURITIES-GAINS> 0 0 0 0
<EXPENSE-OTHER> 3,123 3,097 3,172 9,392
<INCOME-PRETAX> 2,954 3,028 3,050 9,032
<INCOME-PRE-EXTRAORDINARY> 2,954 3,028 3,050 9,032
<EXTRAORDINARY> 0 0 0 0
<CHANGES> 0 0 0 0
<NET-INCOME> 2,115 2,180 2,190 6,485
<EPS-BASIC> 0.35 0.36 0.36 1.06
<EPS-DILUTED> 0.35 0.36 0.36 1.06
<YIELD-ACTUAL> 4.51 4.59 4.51 4.54
<LOANS-NON> 242 382 540 540
<LOANS-PAST> 147 227 97 97
<LOANS-TROUBLED> 0 0 0 0
<LOANS-PROBLEM> 0 0 0 0
<ALLOWANCE-OPEN> 4,135 4,286 4,463 4,135
<CHARGE-OFFS> 91 188 165 444
<RECOVERIES> 27 30 31 88
<ALLOWANCE-CLOSE> 4,286 4,463 4,619 4,619
<ALLOWANCE-DOMESTIC> 3,273 3,027 3,285 3,285
<ALLOWANCE-FOREIGN> 0 0 0 0
<ALLOWANCE-UNALLOCATED> 1,013 1,436 1,334 1,334
</TABLE>