<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
unaudited financial statements of Wintrust Financial Corporation for the nine
months ended September 30, 1999 and 1998, 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-31-1999 DEC-31-1998
<PERIOD-START> JAN-01-1999 JAN-01-1998
<PERIOD-END> SEP-30-1999 SEP-30-1998
<CASH> 38,391 28,048
<INT-BEARING-DEPOSITS> 3,746 10,231
<FED-FUNDS-SOLD> 59,161 18,250
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 164,747 193,037
<INVESTMENTS-CARRYING> 0 5,000
<INVESTMENTS-MARKET> 0 5,005
<LOANS> 1,202,256 908,276
<ALLOWANCE> 8,200 6,500
<TOTAL-ASSETS> 1,564,879 1,243,556
<DEPOSITS> 1,388,442 1,123,756
<SHORT-TERM> 47,375 3,203
<LIABILITIES-OTHER> 17,158 15,942
<LONG-TERM> 31,050 27,500
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 8,174 8,150
<OTHER-SE> 72,680 65,005
<TOTAL-LIABILITIES-AND-EQUITY> 1,564,879 1,243,556
<INTEREST-LOAN> 69,993 54,645
<INTEREST-INVEST> 8,483 9,643
<INTEREST-OTHER> 0 0
<INTEREST-TOTAL> 78,476 64,288
<INTEREST-DEPOSIT> 40,167 36,166
<INTEREST-EXPENSE> 43,840 37,501
<INTEREST-INCOME-NET> 34,636 26,787
<LOAN-LOSSES> 2,707 3,311
<SECURITIES-GAINS> 15 0
<EXPENSE-OTHER> 28,494 26,038
<INCOME-PRETAX> 9,878 3,119
<INCOME-PRE-EXTRAORDINARY> 6,621 4,159
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 6,621 4,159
<EPS-BASIC> 0.81 0.51
<EPS-DILUTED> 0.78 0.49
<YIELD-ACTUAL> 3.53 3.46
<LOANS-NON> 3,234 4,391
<LOANS-PAST> 2,688 1,631
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 11,257 2,518
<ALLOWANCE-OPEN> 7,034 5,116
<CHARGE-OFFS> (1,771) (2,247)
<RECOVERIES> 230 320
<ALLOWANCE-CLOSE> 8,200 6,500
<ALLOWANCE-DOMESTIC> 7,334 5,735
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 866 765