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<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0000741516
<NAME> American National Bankshares Inc.
<MULTIPLIER> 1000
<S> <C> <C> <C>
<PERIOD-TYPE> 3-MOS 6-MOS YEAR
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-2000 DEC-31-2000
<PERIOD-START> JAN-01-2000 APR-01-2000 JAN-01-2000
<PERIOD-END> MAR-31-2000 JUN-30-2000 JUN-30-2000
<CASH> 14,267 13,849 13,849
<INT-BEARING-DEPOSITS> 1,806 820 820
<FED-FUNDS-SOLD> 0 0 0
<TRADING-ASSETS> 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 127,073 119,467 119,467
<INVESTMENTS-CARRYING> 44,035 43,603 43,603
<INVESTMENTS-MARKET> 43,142 42,827 42,827
<LOANS> 302,424 318,926 318,926
<ALLOWANCE> 4,286 4,463 4,463
<TOTAL-ASSETS> 504,229 511,062 511,062
<DEPOSITS> 397,061 389,570 389,570
<SHORT-TERM> 24,619 43,665 43,665
<LIABILITIES-OTHER> 3,934 2,827 2,827
<LONG-TERM> 21,000 16,000 16,000
0 0 0
0 0 0
<COMMON> 6,104 6,104 6,104
<OTHER-SE> 51,511 52,896 52,896
<TOTAL-LIABILITIES-AND-EQUITY> 504,229 511,062 511,062
<INTEREST-LOAN> 6,436 6,904 13,340
<INTEREST-INVEST> 2,579 2,575 5,154
<INTEREST-OTHER> 52 18 70
<INTEREST-TOTAL> 9,067 9,497 18,564
<INTEREST-DEPOSIT> 3,399 3,480 6,879
<INTEREST-EXPENSE> 3,950 4,179 8,129
<INTEREST-INCOME-NET> 5,117 5,318 10,435
<LOAN-LOSSES> 215 335 550
<SECURITIES-GAINS> 0 0 0
<EXPENSE-OTHER> 3,123 3,097 6,220
<INCOME-PRETAX> 2,954 3,028 5,982
<INCOME-PRE-EXTRAORDINARY> 2,954 3,028 5,982
<EXTRAORDINARY> 0 0 0
<CHANGES> 0 0 0
<NET-INCOME> 2,115 2,180 4,295
<EPS-BASIC> 0.35 0.36 0.70
<EPS-DILUTED> 0.35 0.36 0.70
<YIELD-ACTUAL> 4.51 4.59 4.55
<LOANS-NON> 242 382 382
<LOANS-PAST> 147 227 227
<LOANS-TROUBLED> 0 0 0
<LOANS-PROBLEM> 0 0 0
<ALLOWANCE-OPEN> 4,135 4,286 4,135
<CHARGE-OFFS> 91 188 279
<RECOVERIES> 27 30 57
<ALLOWANCE-CLOSE> 4,286 4,463 4,463
<ALLOWANCE-DOMESTIC> 3,273 3,027 3,027
<ALLOWANCE-FOREIGN> 0 0 0
<ALLOWANCE-UNALLOCATED> 1,013 1,436 1,436
</TABLE>
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