<ARTICLE> 9
<CIK> 0000920112
<NAME> HEARTLAND FINANCIAL USA, INC.
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS 3-MOS
<FISCAL-YEAR-END> DEC-31-1997 DEC-31-1996
<PERIOD-END> MAR-31-1997 MAR-31-1996
<CASH> 21,372 24,299
<INT-BEARING-DEPOSITS> 3,635 4,278
<FED-FUNDS-SOLD> 3,929 9,050
<TRADING-ASSETS> 000 000
<INVESTMENTS-HELD-FOR-SALE> 185,692 156,948
<INVESTMENTS-CARRYING> 6,481 2,328
<INVESTMENTS-MARKET> 6,548 2,432
<LOANS> 516,610 455,859
<ALLOWANCE> (6,853) (5,892)
<TOTAL-ASSETS> 771,113 675,438
<DEPOSITS> 591,662 528,175
<SHORT-TERM> 60,197 33,401
<LIABILITIES-OTHER> 8,823 8,732
<LONG-TERM> 39,582 40,400
<PREFERRED-MANDATORY> 000 000
<PREFERRED> 000 000
<COMMON> 4,854 4,854
<OTHER-SE> 65,995 59,876
<TOTAL-LIABILITIES-AND-EQUITY> 771,113 675,438
<INTEREST-LOAN> 10,740 9,886
<INTEREST-INVEST> 2,878 2,443
<INTEREST-OTHER> 170 288
<INTEREST-TOTAL> 13,788 12,617
<INTEREST-DEPOSIT> 5,996 5,717
<INTEREST-EXPENSE> 7,370 6,807
<INTEREST-INCOME-NET> 6,418 5,810
<LOAN-LOSSES> 321 747
<SECURITIES-GAINS> 293 1,322
<EXPENSE-OTHER> 5,254 4,685
<INCOME-PRETAX> 2,692 2,964
<INCOME-PRE-EXTRAORDINARY> 2,692 2,964
<EXTRAORDINARY> 000 000
<CHANGES> 000 000
<NET-INCOME> 1,918 2,278
<EPS-PRIMARY> .40 .48
<EPS-DILUTED> .40 .48
<YIELD-ACTUAL> 3.94 3.86
<LOANS-NON> 1,884 704
<LOANS-PAST> 206 277
<LOANS-TROUBLED> 29 000
<LOANS-PROBLEM> 000 000
<ALLOWANCE-OPEN> 6,191 5,580
<CHARGE-OFFS> (38) (490)
<RECOVERIES> 48 55
<ALLOWANCE-CLOSE> 6,853 5,892
<ALLOWANCE-DOMESTIC> 3,838 3,185
<ALLOWANCE-FOREIGN> 000 000
<ALLOWANCE-UNALLOCATED> 3,015 2,707