<ARTICLE> 9
<CIK> 0000741516
<NAME> American National Bankshares Inc.
<MULTIPLIER> 1000
<PERIOD-TYPE> 3-MOS 6-MOS YEAR
<FISCAL-YEAR-END> DEC-31-1999 DEC-31-1999 DEC-31-1999
<PERIOD-START> JAN-01-1999 APR-01-1999 JAN-01-1999
<PERIOD-END> MAR-31-1999 JUN-30-1999 JUN-30-1999
<CASH> 12,367 11,831 11,831
<INT-BEARING-DEPOSITS> 19 210 210
<FED-FUNDS-SOLD> 0 0 0
<TRADING-ASSETS> 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 108,209 110,238 110,238
<INVESTMENTS-CARRYING> 46,379 47,427 47,427
<INVESTMENTS-MARKET> 47,337 47,188 47,188
<LOANS> 278,430 283,521 283,521
<ALLOWANCE> 3,910 4,021 4,021
<TOTAL-ASSETS> 458,331 467,114 467,114
<DEPOSITS> 363,228 361,094 361,094
<SHORT-TERM> 3,540 5,700 5,700
<LIABILITIES-OTHER> 23,146 2,885 2,885
<LONG-TERM> 13,000 26,000 26,000
<PREFERRED-MANDATORY> 0 0 0
<PREFERRED> 0 0 0
<COMMON> 3,052 6,103 6,103
<OTHER-SE> 52,365 48,988 48,988
<TOTAL-LIABILITIES-AND-EQUITY> 458,331 467,114 467,114
<INTEREST-LOAN> 5,827 5,969 11,796
<INTEREST-INVEST> 2,329 2,304 4,633
<INTEREST-OTHER> 6 13 19
<INTEREST-TOTAL> 8,162 8,286 16,448
<INTEREST-DEPOSIT> 3,069 3,111 6,180
<INTEREST-EXPENSE> 3,572 3,605 7,177
<INTEREST-INCOME-NET> 4,590 4,681 9,271
<LOAN-LOSSES> 180 180 360
<SECURITIES-GAINS> 8 0 8
<EXPENSE-OTHER> 2,780 2,792 5,572
<INCOME-PRETAX> 2,727 2,784 5,511
<INCOME-PRE-EXTRAORDINARY> 2,727 2,784 5,511
<EXTRAORDINARY> 0 0 0
<CHANGES> 0 0 0
<NET-INCOME> 1,924 1,966 3,890
<EPS-BASIC> .32<F1> .32 .64
<EPS-DILUTED> .32<F1> .32 .64
<YIELD-ACTUAL> 4.41 4.44 4.43
<LOANS-NON> 405 436 436
<LOANS-PAST> 246 277 277
<LOANS-TROUBLED> 0 0 0
<LOANS-PROBLEM> 0 0 0
<ALLOWANCE-OPEN> 3,821 3,910 3,821
<CHARGE-OFFS> 167 90 257
<RECOVERIES> 76 21 97
<ALLOWANCE-CLOSE> 3,910 4,021 4,021
<ALLOWANCE-DOMESTIC> 2,812 2,986 2,986
<ALLOWANCE-FOREIGN> 0 0 0
<ALLOWANCE-UNALLOCATED> 1,098 1,035 1,035
<FN>
<F1>
Restated to reflect the impact of a 2-for-1 stock split effected in the form of
a dividend to shareholders of record July 1, 1999.
</FN>