<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0000920112
<NAME> HEARTLAND FINANCIAL USA, INC.
<MULTIPLIER> 1,000
<S> <C> <C>
<PERIOD-TYPE> 3-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-2000
<PERIOD-END> JUN-30-2000 JUN-30-2000
<CASH> 36,253 36,253
<INT-BEARING-DEPOSITS> 6,882 6,882
<FED-FUNDS-SOLD> 10,950 10,950
<TRADING-ASSETS> 000 000
<INVESTMENTS-HELD-FOR-SALE> 213,260 213,260
<INVESTMENTS-CARRYING> 2,112 2,112
<INVESTMENTS-MARKET> 2,162 2,162
<LOANS> 1,001,816 1,001,816
<ALLOWANCE> (12,912) (12,912)
<TOTAL-ASSETS> 1,378,329 1,378,329
<DEPOSITS> 1,003,550 1,003,550
<SHORT-TERM> 178,494 178,494
<LIABILITIES-OTHER> 20,829 20,829
<LONG-TERM> 86,358 86,358
000 000
000 000
<COMMON> 9,906 9,906
<OTHER-SE> 79,192 79,192
<TOTAL-LIABILITIES-AND-EQUITY> 1,378,329 1,378,329
<INTEREST-LOAN> 21,961 42,145
<INTEREST-INVEST> 3,405 6,944
<INTEREST-OTHER> 180 330
<INTEREST-TOTAL> 25,546 49,419
<INTEREST-DEPOSIT> 10,328 19,893
<INTEREST-EXPENSE> 14,406 27,570
<INTEREST-INCOME-NET> 11,140 21,849
<LOAN-LOSSES> 1,007 1,826
<SECURITIES-GAINS> (11) 232
<EXPENSE-OTHER> 13,476 26,986
<INCOME-PRETAX> 3,069 5,902
<INCOME-PRE-EXTRAORDINARY> 2,189 4,233
<EXTRAORDINARY> 000 000
<CHANGES> 000 000
<NET-INCOME> 2,189 4,233
<EPS-BASIC> .23 .44
<EPS-DILUTED> .22 .43
<YIELD-ACTUAL> 3.79 3.81
<LOANS-NON> 3,315 3,315
<LOANS-PAST> 541 541
<LOANS-TROUBLED> 367 367
<LOANS-PROBLEM> 000 000
<ALLOWANCE-OPEN> 12,495 10,844
<CHARGE-OFFS> (685) (1,080)
<RECOVERIES> 95 180
<ALLOWANCE-CLOSE> 12,912 12,912
<ALLOWANCE-DOMESTIC> 11,756 11,756
<ALLOWANCE-FOREIGN> 000 000
<ALLOWANCE-UNALLOCATED> 1,156 1,156
</TABLE>