WINTRUST FINANCIAL CORP
10-Q, EX-27, 2000-11-14
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 nine
months ended  September  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>                                 9-MOS               9-MOS
<FISCAL-YEAR-END>                       DEC-31-2000         DEC-31-1999
<PERIOD-START>                          JAN-01-2000         JAN-01-1999
<PERIOD-END>                            SEP-30-2000         SEP-30-1999
<CASH>                                       52,097              38,391
<INT-BEARING-DEPOSITS>                          180               3,746
<FED-FUNDS-SOLD>                             16,624              59,161
<TRADING-ASSETS>                                  0                   0
<INVESTMENTS-HELD-FOR-SALE>                 318,585             164,747
<INVESTMENTS-CARRYING>                            0                   0
<INVESTMENTS-MARKET>                              0                   0
<LOANS>                                   1,486,929           1,202,256
<ALLOWANCE>                                  10,231               8,200
<TOTAL-ASSETS>                            1,996,306           1,564,879
<DEPOSITS>                                1,725,892           1,388,442
<SHORT-TERM>                                 75,160              47,375
<LIABILITIES-OTHER>                          46,834              17,158
<LONG-TERM>                                  51,050              31,050
                             0                   0
                                       0                   0
<COMMON>                                      8,850               8,174
<OTHER-SE>                                   88,520              72,680
<TOTAL-LIABILITIES-AND-EQUITY>            1,996,306           1,564,879
<INTEREST-LOAN>                              93,962              69,993
<INTEREST-INVEST>                            12,329               8,483
<INTEREST-OTHER>                                  0                   0
<INTEREST-TOTAL>                            106,291              78,476
<INTEREST-DEPOSIT>                           55,847              40,167
<INTEREST-EXPENSE>                           61,934              43,840
<INTEREST-INCOME-NET>                        44,357              34,636
<LOAN-LOSSES>                                 3,671               2,707
<SECURITIES-GAINS>                              (94)                 15
<EXPENSE-OTHER>                              43,124              28,494
<INCOME-PRETAX>                              10,837               9,878
<INCOME-PRE-EXTRAORDINARY>                    7,340               6,621
<EXTRAORDINARY>                                   0                   0
<CHANGES>                                         0                   0
<NET-INCOME>                                  7,340               6,621
<EPS-BASIC>                                    0.84                0.81
<EPS-DILUTED>                                  0.82                0.78
<YIELD-ACTUAL>                                 3.67                3.53
<LOANS-NON>                                   4,103               3,234
<LOANS-PAST>                                  2,969               2,688
<LOANS-TROUBLED>                                  0                   0
<LOANS-PROBLEM>                              17,133              11,257
<ALLOWANCE-OPEN>                              8,783               7,034
<CHARGE-OFFS>                                (2,457)             (1,771)
<RECOVERIES>                                    234                 230
<ALLOWANCE-CLOSE>                            10,231               8,200
<ALLOWANCE-DOMESTIC>                          6,363               7,334
<ALLOWANCE-FOREIGN>                               0                   0
<ALLOWANCE-UNALLOCATED>                       3,868                 866


</TABLE>


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