<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the annual
unaudited financial statements of Wintrust Financial Corporation for the three
months ended March 31, 2000 and 1999, and is qualified in its entirety by
reference to such unaudited consolidated financial statements.
</LEGEND>
<CIK> 0001015328
<NAME> WINTRUST FINANCIAL CORPORATION
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS 3-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-START> JAN-01-2000 JAN-01-1999
<PERIOD-END> MAR-31-2000 MAR-31-1999
<CASH> 42,664 32,989
<INT-BEARING-DEPOSITS> 288 3,545
<FED-FUNDS-SOLD> 97,099 28,945
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 210,825 195,142
<INVESTMENTS-CARRYING> 0 0
<INVESTMENTS-MARKET> 0 0
<LOANS> 1,307,796 1,071,016
<ALLOWANCE> 9,359 7,518
<TOTAL-ASSETS> 1,771,891 1,419,435
<DEPOSITS> 1,533,661 1,252,799
<SHORT-TERM> 82,771 42,033
<LIABILITIES-OTHER> 29,574 16,330
<LONG-TERM> 31,050 31,050
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 8,838 8,161
<OTHER-SE> 85,997 69,063
<TOTAL-LIABILITIES-AND-EQUITY> 1,771,891 1,419,436
<INTEREST-LOAN> 28,738 21,663
<INTEREST-INVEST> 3,571 2,615
<INTEREST-OTHER> 0 0
<INTEREST-TOTAL> 32,309 24,278
<INTEREST-DEPOSIT> 16,599 12,550
<INTEREST-EXPENSE> 18,441 13,462
<INTEREST-INCOME-NET> 13,868 10,816
<LOAN-LOSSES> 1,141 784
<SECURITIES-GAINS> 3 0
<EXPENSE-OTHER> 12,109 9,536
<INCOME-PRETAX> 4,896 2,804
<INCOME-PRE-EXTRAORDINARY> 3,122 1,834
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 3,122 1,834
<EPS-BASIC> 0.35 0.22
<EPS-DILUTED> 0.35 0.22
<YIELD-ACTUAL> 3.65 3.58
<LOANS-NON> 4,182 3,057
<LOANS-PAST> 3,101 1,673
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 12,183 4,556
<ALLOWANCE-OPEN> 8,783 7,034
<CHARGE-OFFS> (642) (356)
<RECOVERIES> 77 56
<ALLOWANCE-CLOSE> 9,359 7,518
<ALLOWANCE-DOMESTIC> 6,600 6,803
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 2,759 715