<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