<ARTICLE> 9
<CIK> 0000920112
<NAME> HEARTLAND FINANCIAL USA, INC.
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-2000
<PERIOD-END> SEP-30-2000 SEP-30-2000
<CASH> 35,342 35,342
<INT-BEARING-DEPOSITS> 5,899 5,899
<FED-FUNDS-SOLD> 11,475 11,475
<TRADING-ASSETS> 000 000
<INVESTMENTS-HELD-FOR-SALE> 216,225 216,225
<INVESTMENTS-CARRYING> 2,112 2,112
<INVESTMENTS-MARKET> 2,163 2,163
<LOANS> 1,035,077 1,035,077
<ALLOWANCE> (13,540) (13,540)
<TOTAL-ASSETS> 1,414,059 1,414,059
<DEPOSITS> 1,053,782 1,053,782
<SHORT-TERM> 172,830 172,830
<LIABILITIES-OTHER> 22,663 22,663
<LONG-TERM> 72,639 72,639
<PREFERRED-MANDATORY> 000 000
<PREFERRED> 000 000
<COMMON> 9,906 9,906
<OTHER-SE> 82,239 82,239
<TOTAL-LIABILITIES-AND-EQUITY> 1,414,059 1,414,059
<INTEREST-LOAN> 23,286 65,431
<INTEREST-INVEST> 3,357 10,301
<INTEREST-OTHER> 387 717
<INTEREST-TOTAL> 27,030 76,449
<INTEREST-DEPOSIT> 11,108 31,001
<INTEREST-EXPENSE> 15,632 43,202
<INTEREST-INCOME-NET> 11,398 33,247
<LOAN-LOSSES> 779 2,605
<SECURITIES-GAINS> 203 435
<EXPENSE-OTHER> 13,723 40,709
<INCOME-PRETAX> 3,828 9,730
<INCOME-PRE-EXTRAORDINARY> 2,597 6,830
<EXTRAORDINARY> 000 000
<CHANGES> 000 000
<NET-INCOME> 2,597 6,830
<EPS-BASIC> .27 .71
<EPS-DILUTED> .27 .70
<YIELD-ACTUAL> 3.75 3.79
<LOANS-NON> 2,764 2,764
<LOANS-PAST> 1,381 1,381
<LOANS-TROUBLED> 364 364
<LOANS-PROBLEM> 000 000
<ALLOWANCE-OPEN> 12,912 10,844
<CHARGE-OFFS> (462) (1,542)
<RECOVERIES> 311 491
<ALLOWANCE-CLOSE> 13,540 13,540
<ALLOWANCE-DOMESTIC> 12,163 12,163
<ALLOWANCE-FOREIGN> 000 000
<ALLOWANCE-UNALLOCATED> 1,377 1,377