<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the annual
unaudited financial statements of Wintrust Financial Corporation for the nine
months ended September 30, 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> 9-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-START> JAN-01-2000 JAN-01-1999
<PERIOD-END> SEP-30-2000 SEP-30-1999
<CASH> 52,097 38,391
<INT-BEARING-DEPOSITS> 180 3,746
<FED-FUNDS-SOLD> 16,624 59,161
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 318,585 164,747
<INVESTMENTS-CARRYING> 0 0
<INVESTMENTS-MARKET> 0 0
<LOANS> 1,486,929 1,202,256
<ALLOWANCE> 10,231 8,200
<TOTAL-ASSETS> 1,996,306 1,564,879
<DEPOSITS> 1,725,892 1,388,442
<SHORT-TERM> 75,160 47,375
<LIABILITIES-OTHER> 46,834 17,158
<LONG-TERM> 51,050 31,050
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 8,850 8,174
<OTHER-SE> 88,520 72,680
<TOTAL-LIABILITIES-AND-EQUITY> 1,996,306 1,564,879
<INTEREST-LOAN> 93,962 69,993
<INTEREST-INVEST> 12,329 8,483
<INTEREST-OTHER> 0 0
<INTEREST-TOTAL> 106,291 78,476
<INTEREST-DEPOSIT> 55,847 40,167
<INTEREST-EXPENSE> 61,934 43,840
<INTEREST-INCOME-NET> 44,357 34,636
<LOAN-LOSSES> 3,671 2,707
<SECURITIES-GAINS> (94) 15
<EXPENSE-OTHER> 43,124 28,494
<INCOME-PRETAX> 10,837 9,878
<INCOME-PRE-EXTRAORDINARY> 7,340 6,621
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 7,340 6,621
<EPS-BASIC> 0.84 0.81
<EPS-DILUTED> 0.82 0.78
<YIELD-ACTUAL> 3.67 3.53
<LOANS-NON> 4,103 3,234
<LOANS-PAST> 2,969 2,688
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 17,133 11,257
<ALLOWANCE-OPEN> 8,783 7,034
<CHARGE-OFFS> (2,457) (1,771)
<RECOVERIES> 234 230
<ALLOWANCE-CLOSE> 10,231 8,200
<ALLOWANCE-DOMESTIC> 6,363 7,334
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 3,868 866