<ARTICLE> 9
<CIK> 0000920112
<NAME> HEARTLAND FINANCIAL USA, INC.
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS 3-MOS
<FISCAL-YEAR-END> DEC-31-1996 DEC-31-1995
<PERIOD-END> MAR-31-1996 MAR-31-1995
<CASH> 24,299 19,950
<INT-BEARING-DEPOSITS> 4,278 2,303
<FED-FUNDS-SOLD> 9,050 2,000
<TRADING-ASSETS> 000 000
<INVESTMENTS-HELD-FOR-SALE> 156,948 107,975
<INVESTMENTS-CARRYING> 2,328 39,765
<INVESTMENTS-MARKET> 2,432 39,950
<LOANS> 455,859 436,292
<ALLOWANCE> (5,892) (5,354)
<TOTAL-ASSETS> 675,438 626,659
<DEPOSITS> 528,175 508,700
<SHORT-TERM> 33,401 16,103
<LIABILITIES-OTHER> 8,732 7,358
<LONG-TERM> 40,400 34,900
<PREFERRED-MANDATORY> 000 000
<PREFERRED> 000 000
<COMMON> 4,854 4,854
<OTHER-SE> 59,876 54,744
<TOTAL-LIABILITIES-AND-EQUITY> 675,438 626,659
<INTEREST-LOAN> 9,886 9,001
<INTEREST-INVEST> 2,443 2,511
<INTEREST-OTHER> 288 41
<INTEREST-TOTAL> 12,617 11,553
<INTEREST-DEPOSIT> 5,717 5,081
<INTEREST-EXPENSE> 6,807 5,781
<INTEREST-INCOME-NET> 5,810 5,772
<LOAN-LOSSES> 747 218
<SECURITIES-GAINS> 1,322 76
<EXPENSE-OTHER> 4,745 4,493
<INCOME-PRETAX> 2,964 2,287
<INCOME-PRE-EXTRAORDINARY> 2,964 2,287
<EXTRAORDINARY> 000 000
<CHANGES> 000 000
<NET-INCOME> 2,278 1,690
<EPS-PRIMARY> 0.48 0.35
<EPS-DILUTED> 0.48 0.35
<YIELD-ACTUAL> 3.86 4.28
<LOANS-NON> 704 977
<LOANS-PAST> 277 226
<LOANS-TROUBLED> 000 000
<LOANS-PROBLEM> 000 000
<ALLOWANCE-OPEN> 5,580 5,124
<CHARGE-OFFS> (490) (20)
<RECOVERIES> 55 32
<ALLOWANCE-CLOSE> 5,892 5,354
<ALLOWANCE-DOMESTIC> 3,185 3,021
<ALLOWANCE-FOREIGN> 000 000
<ALLOWANCE-UNALLOCATED> 2,707 2,333