<ARTICLE> 9
<CIK> 0000920112
<NAME> HEARTLAND FINANCIAL USA, INC.
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-1999 DEC-31-1999
<PERIOD-END> SEP-30-1999 SEP-30-1999
<CASH> 30,496 30,496
<INT-BEARING-DEPOSITS> 7,929 7,929
<FED-FUNDS-SOLD> 8,700 8,700
<TRADING-ASSETS> 000 000
<INVESTMENTS-HELD-FOR-SALE> 201,876 201,876
<INVESTMENTS-CARRYING> 2,631 2,631
<INVESTMENTS-MARKET> 2,715 2,715
<LOANS> 793,372 793,372
<ALLOWANCE> (10,406) (10,406)
<TOTAL-ASSETS> 1,137,923 1,137,923
<DEPOSITS> 842,507 842,507
<SHORT-TERM> 135,701 135,701
<LIABILITIES-OTHER> 17,756 17,756
<LONG-TERM> 56,042 56,042
<PREFERRED-MANDATORY> 000 000
<PREFERRED> 000 000
<COMMON> 9,707 9,707
<OTHER-SE> 76,210 76,210
<TOTAL-LIABILITIES-AND-EQUITY> 1,137,923 1,137,923
<INTEREST-LOAN> 16,189 43,215
<INTEREST-INVEST> 3,002 9,424
<INTEREST-OTHER> 275 566
<INTEREST-TOTAL> 19,466 53,205
<INTEREST-DEPOSIT> 7,978 22,475
<INTEREST-EXPENSE> 10,606 29,162
<INTEREST-INCOME-NET> 8,860 24,043
<LOAN-LOSSES> 680 1,976
<SECURITIES-GAINS> 45 762
<EXPENSE-OTHER> 11,802 32,517
<INCOME-PRETAX> 2,736 8,732
<INCOME-PRE-EXTRAORDINARY> 2,005 6,217
<EXTRAORDINARY> 000 000
<CHANGES> 000 000
<NET-INCOME> 2,005 6,217
<EPS-BASIC> .21 .65
<EPS-DILUTED> .20 .64
<YIELD-ACTUAL> 3.69 3.63
<LOANS-NON> 1,349 1,349
<LOANS-PAST> 256 256
<LOANS-TROUBLED> 000 000
<LOANS-PROBLEM> 000 000
<ALLOWANCE-OPEN> 9,171 7,945
<CHARGE-OFFS> (161) (373)
<RECOVERIES> 51 193
<ALLOWANCE-CLOSE> 10,406 10,406
<ALLOWANCE-DOMESTIC> 6,389 6,389
<ALLOWANCE-FOREIGN> 000 000
<ALLOWANCE-UNALLOCATED> 4,017 4,017