WINTRUST FINANCIAL CORP
10-Q, EX-27, 2000-08-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE>  9
<LEGEND>
This schedule contains summary financial  information  extracted from the annual
unaudited  financial  statements of Wintrust  Financial  Corporation for the six
months  ended  June 30,  2000 and 1999,  and is  qualified  in its  entirety  by
reference to such unaudited consolidated financial statements.
</LEGEND>
<CIK>  0001015328
<NAME>  WINTRUST FINANCIAL CORPORATION
<MULTIPLIER>  1,000

<S>                                       <C>                <C>
<PERIOD-TYPE>                                 6-MOS               6-MOS
<FISCAL-YEAR-END>                            DEC-31-2000    DEC-31-1999
<PERIOD-START>                               JAN-01-2000    JAN-01-1999
<PERIOD-END>                                 JUN-30-2000    JUN-30-1999
<CASH>                                       56,552              40,170
<INT-BEARING-DEPOSITS>                          189               3,047
<FED-FUNDS-SOLD>                             67,658              56,640
<TRADING-ASSETS>                                  0                   0
<INVESTMENTS-HELD-FOR-SALE>                 219,361             185,233
<INVESTMENTS-CARRYING>                            0                   0
<INVESTMENTS-MARKET>                              0                   0
<LOANS>                                   1,400,824           1,137,169
<ALLOWANCE>                                   9,792               7,677
<TOTAL-ASSETS>                            1,863,469           1,515,139
<DEPOSITS>                                1,629,192           1,334,725
<SHORT-TERM>                                 51,633              55,205
<LIABILITIES-OTHER>                          33,236              14,977
<LONG-TERM>                                  51,050              31,050
                             0                   0
                                       0                   0
<COMMON>                                      8,850               8,172
<OTHER-SE>                                   89,508              71,010
<TOTAL-LIABILITIES-AND-EQUITY>            1,863,469           1,515,139
<INTEREST-LOAN>                              59,802              45,003
<INTEREST-INVEST>                             7,581               5,389
<INTEREST-OTHER>                                  0                   0
<INTEREST-TOTAL>                             67,383              50,392
<INTEREST-DEPOSIT>                           34,898              25,766
<INTEREST-EXPENSE>                           38,667              27,978
<INTEREST-INCOME-NET>                        28,716              22,414
<LOAN-LOSSES>                                 2,364               1,717
<SECURITIES-GAINS>                              (25)                  0
<EXPENSE-OTHER>                              24,998              19,064
<INCOME-PRETAX>                              10,137               6,059
<INCOME-PRE-EXTRAORDINARY>                    6,441               4,094
<EXTRAORDINARY>                                   0                   0
<CHANGES>                                         0                   0
<NET-INCOME>                                  6,441               4,094
<EPS-BASIC>                                    0.73                0.50
<EPS-DILUTED>                                  0.72                0.48
<YIELD-ACTUAL>                                 3.69                3.56
<LOANS-NON>                                   3,565               3,139
<LOANS-PAST>                                  2,617               1,824
<LOANS-TROUBLED>                                  0                   0
<LOANS-PROBLEM>                              17,143               6,142
<ALLOWANCE-OPEN>                              8,783               7,034
<CHARGE-OFFS>                                (1,510)             (1,232)
<RECOVERIES>                                    155                 158
<ALLOWANCE-CLOSE>                             9,792               7,677
<ALLOWANCE-DOMESTIC>                          6,743               7,054
<ALLOWANCE-FOREIGN>                               0                   0
<ALLOWANCE-UNALLOCATED>                       3,049                 623


</TABLE>


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