<ARTICLE> 9
<CIK> 0000920112
<NAME> HEARTLAND FINANCIAL USA, INC.
<MULTIPLIER> 1,000
       
                                                                                            
<PERIOD-TYPE>                   3-MOS                   3-MOS                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995             DEC-31-1996             DEC-31-1995
<PERIOD-END>                               JUN-30-1996             JUN-30-1995             JUN-30-1996             JUN-30-1995
<CASH>                                          22,307                  21,367                  22,307                  21,367
<INT-BEARING-DEPOSITS>                           1,635                   2,657                   1,635                   2,657
<FED-FUNDS-SOLD>                                32,800                   8,000                  32,800                   8,000
<TRADING-ASSETS>                                   000                     000                     000                     000
<INVESTMENTS-HELD-FOR-SALE>                    166,678                  97,371                 166,678                  97,371
<INVESTMENTS-CARRYING>                           1,870                  36,689                   1,870                  36,689
<INVESTMENTS-MARKET>                             1,950                  37,121                   1,950                  37,121
<LOANS>                                        461,698                 453,295                 461,698                 453,295
<ALLOWANCE>                                    (6,089)                 (5,451)                 (6,089)                 (5,451)
<TOTAL-ASSETS>                                 710,084                 637,104                 710,084                 637,104
<DEPOSITS>                                     552,542                 506,858                 552,542                 506,858
<SHORT-TERM>                                    44,307                  16,641                  44,307                  16,641
<LIABILITIES-OTHER>                              7,485                   7,908                   7,485                   7,908
<LONG-TERM>                                     40,400                  43,400                  40,400                  43,400
<PREFERRED-MANDATORY>                              000                     000                     000                     000
<PREFERRED>                                        000                     000                     000                     000
<COMMON>                                         4,854                   2,427                   4,854                   2,427
<OTHER-SE>                                      60,496                  59,870                  60,496                  59,870
<TOTAL-LIABILITIES-AND-EQUITY>                 710,084                 637,104                 710,084                 637,104
<INTEREST-LOAN>                                 10,048                   9,771                  19,934                  18,772
<INTEREST-INVEST>                                2,594                   2,520                   5,037                   5,031
<INTEREST-OTHER>                                   235                     125                     523                     166
<INTEREST-TOTAL>                                12,877                  12,416                  25,494                  23,969
<INTEREST-DEPOSIT>                               5,765                   5,532                  11,482                  10,613
<INTEREST-EXPENSE>                               6,856                   6,428                  13,663                  12,209
<INTEREST-INCOME-NET>                            6,021                   5,988                  11,831                  11,760
<LOAN-LOSSES>                                      228                     217                     975                     435
<SECURITIES-GAINS>                                  76                       8                   1,398                      84
<EXPENSE-OTHER>                                  4,691                   4,521                   9,436                   9,014
<INCOME-PRETAX>                                  2,582                   2,410                   5,546                   4,697
<INCOME-PRE-EXTRAORDINARY>                       2,582                   2,410                   5,546                   4,697
<EXTRAORDINARY>                                    000                     000                     000                     000
<CHANGES>                                          000                     000                     000                     000
<NET-INCOME>                                     1,870                   1,719                   4,148                   3,409
<EPS-PRIMARY>                                      .40                     .36                     .88                     .71
<EPS-DILUTED>                                      .40                     .36                     .88                     .71
<YIELD-ACTUAL>                                    3.92                    4.21                    3.89                    4.24
<LOANS-NON>                                      1,157                     885                   1,157                     885
<LOANS-PAST>                                       193                     298                     193                     298
<LOANS-TROUBLED>                                   000                     000                     000                     000
<LOANS-PROBLEM>                                    000                     000                     000                     000
<ALLOWANCE-OPEN>                                 5,892                   5,354                   5,580                   5,124
<CHARGE-OFFS>                                     (54)                   (141)                   (544)                   (161)
<RECOVERIES>                                        28                      21                      78                      53
<ALLOWANCE-CLOSE>                                6,089                   5,451                   6,089                   5,451
<ALLOWANCE-DOMESTIC>                             3,275                   3,024                   3,275                   3,024
<ALLOWANCE-FOREIGN>                                000                     000                     000                     000
<ALLOWANCE-UNALLOCATED>                          2,814                   2,427                   2,814                   2,427