<ARTICLE>                     9
<CIK>                         0000741516
<NAME>                        American National Bankshares Inc.
<MULTIPLIER>                  1000

                                                                                   
<PERIOD-TYPE>                                     3-MOS          6-MOS          9-MOS          YEAR
<FISCAL-YEAR-END>                                 DEC-31-1999    DEC-31-1999    DEC-31-1999    DEC-31-1999
<PERIOD-START>                                    JAN-01-1999    APR-01-1999    JUL-01-1999    JAN-01-1999
<PERIOD-END>                                      MAR-31-1999    JUN-30-1999    SEP-30-1999    SEP-30-1999
<CASH>                                             12,367         11,831         12,435         12,435
<INT-BEARING-DEPOSITS>                                 19            210         13,895         13,895
<FED-FUNDS-SOLD>                                        0              0              0              0
<TRADING-ASSETS>                                        0              0              0              0
<INVESTMENTS-HELD-FOR-SALE>                       108,209        110,238        113,517        113,517
<INVESTMENTS-CARRYING>                             46,379         47,427         44,038         44,038
<INVESTMENTS-MARKET>                               47,337         47,188         43,751         43,751
<LOANS>                                           278,299        283,411        279,308        279,308
<ALLOWANCE>                                         3,910          4,021          4,063          4,063
<TOTAL-ASSETS>                                    458,331        467,114        477,643        477,643
<DEPOSITS>                                        363,228        361,094        373,600        373,600
<SHORT-TERM>                                        3,540          5,700              0              0
<LIABILITIES-OTHER>                                23,146          2,885          3,062          3,062
<LONG-TERM>                                        13,000         26,000         26,000         26,000
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<PREFERRED>                                             0              0              0              0
<COMMON>                                            3,052          6,103          6,103          6,103
<OTHER-SE>                                         52,365         48,988         50,311         50,311
<TOTAL-LIABILITIES-AND-EQUITY>                    458,331        467,114        477,643        477,643
<INTEREST-LOAN>                                     5,827          5,969          5,991         17,787
<INTEREST-INVEST>                                   2,329          2,304          2,350          6,983
<INTEREST-OTHER>                                        6             13             94            113
<INTEREST-TOTAL>                                    8,162          8,286          8,435         24,883
<INTEREST-DEPOSIT>                                  3,069          3,111          3,188          9,368
<INTEREST-EXPENSE>                                  3,572          3,605          3,720         10,897
<INTEREST-INCOME-NET>                               4,590          4,681          4,715         13,986
<LOAN-LOSSES>                                         180            180            120            480
<SECURITIES-GAINS>                                      8              0              0              8
<EXPENSE-OTHER>                                     2,780          2,792          2,927          8,499
<INCOME-PRETAX>                                     2,727          2,784          2,829          8,340
<INCOME-PRE-EXTRAORDINARY>                          2,727          2,784          2,829          8,340
<EXTRAORDINARY>                                         0              0              0              0
<CHANGES>                                               0              0              0              0
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<EPS-BASIC>                                         .32            .32            .33            .96
<EPS-DILUTED>                                         .32            .32            .33            .96
<YIELD-ACTUAL>                                       4.41           4.44           4.38           4.41
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