-----BEGIN PRIVACY-ENHANCED MESSAGE-----
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,
 S4eTW8s7hzpSGxB9vQfCW+/A/GQaf47oAIh2N+ykf9t8beAs4tut73/KGGY6Q8Lm
 F0fCRzV5i2ThbhkCeZVhlw==

<SEC-DOCUMENT>0001249590-03-000001.txt : 20030710
<SEC-HEADER>0001249590-03-000001.hdr.sgml : 20030710
<ACCEPTANCE-DATETIME>20030710103832
ACCESSION NUMBER:		0001249590-03-000001
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030108
FILED AS OF DATE:		20030710

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:			FLEMING RAY A
		CENTRAL INDEX KEY:			0001249590

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28780
		FILM NUMBER:		03781217

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 215
		CITY:			FLOYD
		STATE:			VA
		ZIP:			24091
		BUSINESS PHONE:		5407454191
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>

<ownershipDocument>

    <documentType>3</documentType>

    <periodOfReport>2003-01-08</periodOfReport>


    <noSecuritiesOwned>1</noSecuritiesOwned>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001249590</rptOwnerCik>
            <rptOwnerName>FLEMING RAY A</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Executive Vice President &amp; CFO</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>


    <ownerSignature>
        <signatureName>Ray A. Fleming</signatureName>
        <signatureDate>2003-07-10</signatureDate>
    </ownerSignature>

</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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