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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL STATEMENT INFORMATION EXTRACTED FROM
THE CONSOLIDATED FINANCIAL STATEMENTS OF HEARTLAND BANCSHARES, INC. FOR THE
NINE-MONTH PERIOD FROM JANUARY 1, 2000 THROUGH SEPTEMBER 30, 2000 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 1,458,480
<INT-BEARING-DEPOSITS> 31,947,461
<FED-FUNDS-SOLD> 9,942,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 15,898,465
<INVESTMENTS-CARRYING> 15,814,464
<INVESTMENTS-MARKET> 15,898,465
<LOANS> 14,152,264
<ALLOWANCE> (176,753)
<TOTAL-ASSETS> 44,727,361
<DEPOSITS> 38,700,862
<SHORT-TERM> 0
<LIABILITIES-OTHER> 183,940
<LONG-TERM> 0
0
0
<COMMON> 65,203
<OTHER-SE> 6,437,152
<TOTAL-LIABILITIES-AND-EQUITY> 44,727,361
<INTEREST-LOAN> 714,899
<INTEREST-INVEST> 585,774
<INTEREST-OTHER> 624,018
<INTEREST-TOTAL> 1,924,691
<INTEREST-DEPOSIT> 874,338
<INTEREST-EXPENSE> 0
<INTEREST-INCOME-NET> 1,050,353
<LOAN-LOSSES> 65,104
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,396,718
<INCOME-PRETAX> (327,947)
<INCOME-PRE-EXTRAORDINARY> (237,547)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (237,547)
<EPS-BASIC> (0.36)
<EPS-DILUTED> (0.36)
<YIELD-ACTUAL> 4.05
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> (111,633)
<CHARGE-OFFS> 197
<RECOVERIES> (213)
<ALLOWANCE-CLOSE> (176,753)
<ALLOWANCE-DOMESTIC> (176,753)
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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