[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-31-1997             DEC-31-1996             DEC-31-1997             DEC-31-1996
[PERIOD-END]                               JUN-30-1997             JUN-30-1996             JUN-30-1997             JUN-30-1996
[CASH]                                          20,574                  22,307                  20,574                  22,307
[INT-BEARING-DEPOSITS]                           2,192                   1,635                   2,192                   1,635
[FED-FUNDS-SOLD]                                 9,268                  32,800                   9,268                  32,800
[TRADING-ASSETS]                                   000                     000                     000                     000
[INVESTMENTS-HELD-FOR-SALE]                    177,496                 166,678                 177,496                 166,678
[INVESTMENTS-CARRYING]                           5,832                   1,870                   5,832                   1,870
[INVESTMENTS-MARKET]                             5,926                   1,950                   5,926                   1,950
[LOANS]                                        539,261                 461,698                 539,261                 461,698
[ALLOWANCE]                                    (7,151)                 (6,089)                 (7,151)                 (6,089)
[TOTAL-ASSETS]                                 786,999                 710,084                 786,999                 710,084
[DEPOSITS]                                     595,063                 552,542                 595,063                 552,542
[SHORT-TERM]                                    76,041                  44,307                  76,041                  44,307
[LIABILITIES-OTHER]                              9,084                   7,485                   9,084                   7,485
[LONG-TERM]                                     34,175                  40,400                  34,175                  40,400
[PREFERRED-MANDATORY]                              000                     000                     000                     000
[PREFERRED]                                        000                     000                     000                     000
[COMMON]                                         4,854                   4,854                   4,854                   4,854
[OTHER-SE]                                      67,782                  60,496                  67,782                  60,496
[TOTAL-LIABILITIES-AND-EQUITY]                 786,999                 710,084                 786,999                 710,084
[INTEREST-LOAN]                                 11,686                  10,048                  22,426                  19,934
[INTEREST-INVEST]                                2,848                   2,594                   5,726                   5,037
[INTEREST-OTHER]                                   126                     235                     206                     523
[INTEREST-TOTAL]                                14,660                  12,877                  28,358                  25,494
[INTEREST-DEPOSIT]                               6,418                   5,765                  12,414                  11,482
[INTEREST-EXPENSE]                               7,870                   6,856                  15,150                  13,663
[INTEREST-INCOME-NET]                            6,790                   6,021                  13,208                  11,831
[LOAN-LOSSES]                                      374                     228                     695                     975
[SECURITIES-GAINS]                                 114                      76                     407                   1,398
[EXPENSE-OTHER]                                  5,779                   4,631                  11,033                   9,316
[INCOME-PRETAX]                                  2,409                   2,582                   5,101                   5,546
[INCOME-PRE-EXTRAORDINARY]                       2,409                   2,582                   5,101                   5,546
[EXTRAORDINARY]                                    000                     000                     000                     000
[CHANGES]                                          000                     000                     000                     000
[NET-INCOME]                                     1,655                   1,870                   3,573                   4,148
[EPS-PRIMARY]                                      .35                     .40                     .75                     .88
[EPS-DILUTED]                                      .35                     .40                     .75                     .88
[YIELD-ACTUAL]                                    3.89                    3.92                    3.91                    3.89
[LOANS-NON]                                      1,448                   1,157                   1,448                   1,157
[LOANS-PAST]                                       617                     193                     617                     193
[LOANS-TROUBLED]                                   000                     000                     000                     000
[LOANS-PROBLEM]                                    000                     000                     000                     000
[ALLOWANCE-OPEN]                                 6,853                   5,892                   6,191                   5,580
[CHARGE-OFFS]                                    (136)                    (54)                   (174)                   (544)
[RECOVERIES]                                        60                      23                     108                      78
[ALLOWANCE-CLOSE]                                7,151                   6,089                   7,151                   6,089
[ALLOWANCE-DOMESTIC]                             3,994                   3,275                   3,994                   3,275
[ALLOWANCE-FOREIGN]                                000                     000                     000                     000
[ALLOWANCE-UNALLOCATED]                          3,157                   2,814                   3,157                   2,814