<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

<MULTIPLIER> 1

                                  
<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
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          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