<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM NATIONAL
BANKSHARES, INC.'S UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE
QUARTER ENDED SEPTEMBER 30, 1995, AS SET FORTH IN THE COMPANY'S QUARTERLY REPORT
ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                           5,381
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,610
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     12,854
<INVESTMENTS-CARRYING>                          53,105
<INVESTMENTS-MARKET>                            53,832
<LOANS>                                        124,981
<ALLOWANCE>                                      2,105
<TOTAL-ASSETS>                                 206,680
<DEPOSITS>                                     183,152
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,271
<LONG-TERM>                                          0
<COMMON>                                         4,285
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      17,972
<TOTAL-LIABILITIES-AND-EQUITY>                 206,680
<INTEREST-LOAN>                                  8,754
<INTEREST-INVEST>                                3,002
<INTEREST-OTHER>                                   152
<INTEREST-TOTAL>                                11,908
<INTEREST-DEPOSIT>                               4,937
<INTEREST-EXPENSE>                               4,941
<INTEREST-INCOME-NET>                            6,967
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                  4,821
<INCOME-PRETAX>                                  3,198
<INCOME-PRE-EXTRAORDINARY>                       3,198
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,445
<EPS-PRIMARY>                                     1.43
<EPS-DILUTED>                                     1.43
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        420
<LOANS-PAST>                                       191
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,006
<CHARGE-OFFS>                                      179
<RECOVERIES>                                        53
<ALLOWANCE-CLOSE>                                2,105
<ALLOWANCE-DOMESTIC>                             1,014
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,091