<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CARDINAL BANKSHARES AND SUBSIDIARIES CONSOLIDATED BALANCE SHEET AT SEPTEMBER 30,
2000 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE NINE MONTHS ENDED
SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.

<MULTIPLIER> 1

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       2,849,789
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,600,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 35,351,397
<INVESTMENTS-CARRYING>                      20,934,150
<INVESTMENTS-MARKET>                        20,083,000
<LOANS>                                     89,434,404
<ALLOWANCE>                                  1,119,968
<TOTAL-ASSETS>                             159,279,166
<DEPOSITS>                                 140,222,489
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            778,833
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     4,924,110
<OTHER-SE>                                  13,353,734
<TOTAL-LIABILITIES-AND-EQUITY>             159,279,166
<INTEREST-LOAN>                              5,852,543
<INTEREST-INVEST>                            2,489,323
<INTEREST-OTHER>                               236,540
<INTEREST-TOTAL>                             8,578,406
<INTEREST-DEPOSIT>                           4,403,829
<INTEREST-EXPENSE>                           4,403,829
<INTEREST-INCOME-NET>                        4,174,577
<LOAN-LOSSES>                                  400,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,338,313
<INCOME-PRETAX>                              1,691,809
<INCOME-PRE-EXTRAORDINARY>                   1,332,934
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,332,934
<EPS-BASIC>                                       2.65
<EPS-DILUTED>                                     2.65
<YIELD-ACTUAL>                                    3.78
<LOANS-NON>                                    387,363
<LOANS-PAST>                                   174,289
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                561,652
<ALLOWANCE-OPEN>                             1,661,521
<CHARGE-OFFS>                                1,419,522
<RECOVERIES>                                   477,969
<ALLOWANCE-CLOSE>                            1,119,968
<ALLOWANCE-DOMESTIC>                         1,119,968
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0