<ARTICLE>                        9
<CIK>                         0000741516
<NAME>                        American National Bankshares Inc.
<MULTIPLIER>                                   1000
       
                                                                  
<PERIOD-TYPE>                               3-MOS           6-MOS          YEAR
<FISCAL-YEAR-END>                           DEC-31-1997     DEC-31-1997    DEC-31-1997
<PERIOD-START>                              JAN-01-1997     MAR-01-1997    JAN-01-1997    
<PERIOD-END>                                MAR-31-1997     JUN-30-1997    JUN-30-1997
<CASH>                                       $10,471        $13,816        $13,816
<INT-BEARING-DEPOSITS>                           105            145            145
<FED-FUNDS-SOLD>                               5,350              0              0
<TRADING-ASSETS>                                   0              0              0
<INVESTMENTS-HELD-FOR-SALE>                   74,139         64,491         64,491
<INVESTMENTS-CARRYING>                        81,056         74,976         74,976
<INVESTMENTS-MARKET>                          80,686         75,114         75,114
<LOANS>                                      247,368        253,707        253,707
<ALLOWANCE>                                    3,206          3,416          3,416
<TOTAL-ASSETS>                               430,900        419,258        419,258
<DEPOSITS>                                   359,266        350,962        350,962
<SHORT-TERM>                                       0          2,975          2,975
<LIABILITIES-OTHER>                           18,930         17,608         17,608
<LONG-TERM>                                        0              0              0
<PREFERRED-MANDATORY>                              0              0              0
<PREFERRED>                                        0              0              0 
<COMMON>                                       3,280          3,052          3,052
<OTHER-SE>                                    49,424         44,661         44,661
<TOTAL-LIABILITIES-AND-EQUITY>               430,900        419,258        419,258 
<INTEREST-LOAN>                                5,352          5,609         10,961
<INTEREST-INVEST>                              2,500          2,237          4,737
<INTEREST-OTHER>                                  24             37             61
<INTEREST-TOTAL>                               7,876          7,883         15,759
<INTEREST-DEPOSIT>                             3,475          3,417          6,892
<INTEREST-EXPENSE>                             3,677          3,619          7,296
<INTEREST-INCOME-NET>                          4,199          4,264          8,463
<LOAN-LOSSES>                                    243            257            500
<SECURITIES-GAINS>                                23              8             31
<EXPENSE-OTHER>                                2,515          2,542          5,057
<INCOME-PRETAX>                                2,179          2,248          4,427
<INCOME-PRE-EXTRAORDINARY>                     2,179          2,248          4,427
<EXTRAORDINARY>                                    0              0              0
<CHANGES>                                          0              0              0
<NET-INCOME>                                   1,537          1,544          3,081
<EPS-PRIMARY>                                   0.47           0.48           0.95
<EPS-DILUTED>                                   0.47           0.48           0.95
<YIELD-ACTUAL>                                  4.21           4.36           4.29
<LOANS-NON>                                      278          1,029          1,029
<LOANS-PAST>                                     257            566            566
<LOANS-TROUBLED>                                   0              0              0
<LOANS-PROBLEM>                                    0              0              0
<ALLOWANCE-OPEN>                               3,070          3,206          3,070
<CHARGE-OFFS>                                    122             73            195
<RECOVERIES>                                      15             27             42
<ALLOWANCE-CLOSE>                              3,206          3,416          3,416
<ALLOWANCE-DOMESTIC>                           3,111          3,321          3,321
<ALLOWANCE-FOREIGN>                                0              0              0
<ALLOWANCE-UNALLOCATED>                           95             95             95