<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS CONTAINED IN THE FILER'S ANNUAL REPORT ON FORM 10-K FOR THE
YEAR ENDED DECEMBER 31, 1998, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000714395
<NAME> German American Bancorp
<MULTIPLIER> 1,000
<PERIOD-TYPE> 12-MOS 12-MOS
<FISCAL-YEAR-END> DEC-31-1997 DEC-31-1998
<PERIOD-END> DEC-31-1997 DEC-31-1998
<CASH> 20,090 17,765
<INT-BEARING-DEPOSITS> 2,798 16,784
<FED-FUNDS-SOLD> 20,300 175
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 100,449 136,023
<INVESTMENTS-CARRYING> 35,382 30,877
<INVESTMENTS-MARKET> 36,577 32,032
<LOANS> 377,323 411,333
<ALLOWANCE> 7,496 6,858
<TOTAL-ASSETS> 575,842 636,776
<DEPOSITS> 501,033 547,350
<SHORT-TERM> 5,548 7,028
<LIABILITIES-OTHER> 7,182 5,977
<LONG-TERM> 0 9,000
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 6,279 6,665
<OTHER-SE> 55,800 60,756
<TOTAL-LIABILITIES-AND-EQUITY> 575,842 636,776
<INTEREST-LOAN> 33,804 36,021
<INTEREST-INVEST> 8,301 8,456
<INTEREST-OTHER> 1,217 1,206
<INTEREST-TOTAL> 43,322 45,683
<INTEREST-DEPOSIT> 20,126 21,142
<INTEREST-EXPENSE> 20,442 21,601
<INTEREST-INCOME-NET> 22,880 24,082
<LOAN-LOSSES> 400 583
<SECURITIES-GAINS> 0 6
<EXPENSE-OTHER> 15,723 17,009
<INCOME-PRETAX> 9,566 9,568
<INCOME-PRE-EXTRAORDINARY> 9,566 9,568
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 6,449 6,659
<EPS-PRIMARY> 0.97 1.00
<EPS-DILUTED> 0.97 1.00
<YIELD-ACTUAL> 4.35 4.24
<LOANS-NON> 1,238 1,920
<LOANS-PAST> 2,832 1,169
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 7,224 7,496
<CHARGE-OFFS> 947 1,583
<RECOVERIES> 819 362
<ALLOWANCE-CLOSE> 7,496 6,858
<ALLOWANCE-DOMESTIC> 7,496 6,858
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 2,557 2,382