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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 FO3A3ImBEsP/genJcXAV/HBwngu0c4NxC4BSsoRZoH1NJSUzlIoXPebLI2sDMhf2
 jz0s2fzHtmyU+TuG817O7w==

<SEC-DOCUMENT>0001181431-05-021869.txt : 20050413
<SEC-HEADER>0001181431-05-021869.hdr.sgml : 20050413
<ACCEPTANCE-DATETIME>20050413092606
ACCESSION NUMBER:		0001181431-05-021869
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20050406
FILED AS OF DATE:		20050413
DATE AS OF CHANGE:		20050413

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CARDINAL BANKSHARES CORP
		CENTRAL INDEX KEY:			0001022759
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				541804471
		STATE OF INCORPORATION:			VA

	BUSINESS ADDRESS:	
		STREET 1:		P O BOX 215
		CITY:			FLOYD
		STATE:			VA
		ZIP:			24091
		BUSINESS PHONE:		5407454191

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Warner George Harris JR
		CENTRAL INDEX KEY:			0001323602

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28780
		FILM NUMBER:		05747412

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		540-777-4600

	MAIL ADDRESS:	
		STREET 1:		P O BOX 21584
		CITY:			ROANOKE
		STATE:			VA
		ZIP:			24018
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>rrd75197.xml
<DESCRIPTION>040605
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2005-04-06</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001022759</issuerCik>
        <issuerName>CARDINAL BANKSHARES CORP</issuerName>
        <issuerTradingSymbol>CDBK</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001323602</rptOwnerCik>
            <rptOwnerName>Warner George Harris JR</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>P O BOX 21584</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>ROANOKE</rptOwnerCity>
            <rptOwnerState>VA</rptOwnerState>
            <rptOwnerZipCode>24018</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2005-04-06</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>20</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>21.20</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>320</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>G. Harris Warner, Jr.</signatureName>
        <signatureDate>2005-04-07</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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