WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 9
<NAME> AMERICAN NATIONAL BANKSHARES INC.
<MULTIPLIER> 1,000
       
                                                                       
<PERIOD-TYPE>                   3-MOS                   6-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995             DEC-31-1995
<PERIOD-START>                             JAN-01-1995             JAN-01-1995             JAN-01-1995
<PERIOD-END>                               JUN-30-1995             JUN-30-1995             JUN-30-1995
<CASH>                                            9236                    7554                    7554
<INT-BEARING-DEPOSITS>                              83                      97                      97
<FED-FUNDS-SOLD>                                     0                     900                     900
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                       2807                    2821                    2821
<INVESTMENTS-CARRYING>                           74276                   68883                   68883
<INVESTMENTS-MARKET>                             73579                   69030                   69030
<LOANS>                                         163036                  169734                  169734
<ALLOWANCE>                                       2415                    2527                    2527
<TOTAL-ASSETS>                                  250552                  251543                  251543
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<LIABILITIES-OTHER>                               8917                    7939                    7939
<LONG-TERM>                                          0                       0                       0
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<INTEREST-LOAN>                                   3432                    7131                    7131
<INTEREST-INVEST>                                  997                    1929                    1929
<INTEREST-OTHER>                                    15                      29                      29
<INTEREST-TOTAL>                                  4444                    9089                    9089
<INTEREST-DEPOSIT>                                1723                    3584                    3584
<INTEREST-EXPENSE>                                1786                    3727                    3727
<INTEREST-INCOME-NET>                             2658                    5362                    5362
<LOAN-LOSSES>                                       93                     214                     214
<SECURITIES-GAINS>                                   0                       0                       0
<EXPENSE-OTHER>                                   1566                    3149                    3149
<INCOME-PRETAX>                                   1478                    2966                    2966
<INCOME-PRE-EXTRAORDINARY>                        1478                    2966                    2966
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
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<ALLOWANCE-FOREIGN>                                  0                       0                       0
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