[ARTICLE] 9
[CIK] 0000920112
[NAME] HEARTLAND FINANCIAL USA, INC.
[MULTIPLIER] 1,000

                                                                                            
[PERIOD-TYPE]                   3-MOS                   3-MOS                   9-MOS                   9-MOS
[FISCAL-YEAR-END]                          DEC-31-1997             DEC-31-1996             DEC-31-1997             DEC-31-1996
[PERIOD-END]                               SEP-30-1997             SEP-30-1996             SEP-30-1997             SEP-30-1996
[CASH]                                          19,338                  34,033                  19,338                  34,033
[INT-BEARING-DEPOSITS]                           5,215                   1,996                   5,215                   1,996
[FED-FUNDS-SOLD]                                 8,046                     000                   8,046                     000
[TRADING-ASSETS]                                   000                     000                     000                     000
[INVESTMENTS-HELD-FOR-SALE]                    183,080                 171,857                 183,080                 171,857
[INVESTMENTS-CARRYING]                           5,875                   2,360                   5,875                   2,360
[INVESTMENTS-MARKET]                             5,990                   1,950                   5,990                   1,950
[LOANS]                                        553,535                 477,330                 553,535                 477,330
[ALLOWANCE]                                    (7,304)                 (6,240)                 (7,304)                 (6,240)
[TOTAL-ASSETS]                                 809,502                 713,893                 809,502                 713,893
[DEPOSITS]                                     602,954                 545,693                 602,954                 545,693
[SHORT-TERM]                                    92,103                  51,596                  92,103                  51,596
[LIABILITIES-OTHER]                             10,912                   8,878                  10,912                   8,878
[LONG-TERM]                                     27,928                  40,400                  27,928                  40,400
[PREFERRED-MANDATORY]                              000                     000                     000                     000
[PREFERRED]                                        000                     000                     000                     000
[COMMON]                                         4,854                   4,854                   4,854                   4,854
[OTHER-SE]                                      70,751                  62,472                  70,751                  62,472
[TOTAL-LIABILITIES-AND-EQUITY]                 809,502                 713,893                 809,502                 713,893
[INTEREST-LOAN]                                 12,235                  10,226                  34,661                  30,160
[INTEREST-INVEST]                                2,850                   2,677                   8,576                   7,714
[INTEREST-OTHER]                                   241                     112                     447                     635
[INTEREST-TOTAL]                                15,326                  13,015                  43,684                  38,509
[INTEREST-DEPOSIT]                               6,649                   5,760                  19,063                  17,242
[INTEREST-EXPENSE]                               8,160                   6,892                  23,310                  20,555
[INTEREST-INCOME-NET]                            7,166                   6,123                  20,374                  17,954
[LOAN-LOSSES]                                      298                     212                     993                   1,187
[SECURITIES-GAINS]                                 411                     182                     818                   1,580
[EXPENSE-OTHER]                                  6,039                   5,361                  17,072                  14,678
[INCOME-PRETAX]                                  3,039                   2,102                   8,140                   7,648
[INCOME-PRE-EXTRAORDINARY]                       3,039                   2,102                   8,140                   7,648
[EXTRAORDINARY]                                    000                     000                     000                     000
[CHANGES]                                          000                     000                     000                     000
[NET-INCOME]                                     2,259                   1,522                   5,832                   5,670
[EPS-PRIMARY]                                      .48                     .32                    1.23                    1.20
[EPS-DILUTED]                                      .48                     .32                    1.23                    1.20
[YIELD-ACTUAL]                                    3.95                    3.95                    3.93                    3.91
[LOANS-NON]                                      1,525                   1,625                   1,525                   1,625
[LOANS-PAST]                                       709                     252                     709                     252
[LOANS-TROUBLED]                                   000                     000                     000                     000
[LOANS-PROBLEM]                                    000                     000                     000                     000
[ALLOWANCE-OPEN]                                 7,151                   6,089                   6,191                   5,580
[CHARGE-OFFS]                                    (161)                    (86)                   (335)                   (630)
[RECOVERIES]                                        16                      25                     124                     103
[ALLOWANCE-CLOSE]                                7,304                   6,240                   7,304                   6,240
[ALLOWANCE-DOMESTIC]                             4,111                   3,480                   4,111                   3,480
[ALLOWANCE-FOREIGN]                                000                     000                     000                     000
[ALLOWANCE-UNALLOCATED]                          3,193                   2,760                   3,193                   2,760