<ARTICLE>                     9
<CIK>                         0000741516
<NAME>                        American National Bankshares Inc.
<MULTIPLIER>                  1000
       
                                                             
<PERIOD-TYPE>                             3-MOS                    YEAR
<FISCAL-YEAR-END>                         DEC-31-1999              DEC-31-1999
<PERIOD-START>                            JAN-01-1999              JAN-01-1999
<PERIOD-END>                              MAR-31-1999              MAR-31-1999
<CASH>                                     12,367                   12,367
<INT-BEARING-DEPOSITS>                         19                       19
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<SHORT-TERM>                                3,540                    3,540
<LIABILITIES-OTHER>                        23,146                   23,146
<LONG-TERM>                                13,000                   13,000
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<LOAN-LOSSES>                                 180                      180
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<EXPENSE-OTHER>                             2,765                    2,765
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<EPS-DILUTED>                                 .63                      .63
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