Exhibit 99



                    Independent Accountants's Review Report


The Board of Directors
First Midwest Bancorp, Inc.

We have reviewed the accompanying condensed consolidated balance sheet of First
Midwest Bancorp, Inc. and subsidiaries as of September 30, 1999, and the related
condensed consolidated statement of income for the three-month and nine month
periods ended September 30, 1999, and the condensed consolidated statement of
cash flows for the nine month period ended September 30, 1999. These financial
statements are the responsibility of the Company's management.  We did not make
a similar review of the condensed consolidated financial statements for the
corresponding period of the prior year (1998).

We conducted our review in accordance with standards established by the American
Institute of Certified Public Accountants.  A review of interim financial
information consists principally of applying analytical procedures to financial
data, and making inquiries of persons responsible for financial and accounting
matters.  It is substantially less in scope than an audit conducted in
accordance with generally accepted auditing standards, which will be performed
for the full year with the objective of expressing an opinion regarding the
financial statements taken as a whole.  Accordingly, we do not express such an
opinion.

Based on our review, we are not aware of any material modifications that should
be made to the accompanying condensed consolidated financial statements
referenced to above for them to be in conformity with generally accepted
accounting principles.

We have previously audited, in accordance with generally accepted auditing
standards, the consolidated balance sheet of First Midwest Bancorp, Ind. as of
December 31, 1998, and the related consolidated statements of income,
shareholders' equity, and cash flows for the year then ended (not presented
herein) and in our report dated January 20, 1999, we expressed an unqualified
opinion on those consolidated financial statements.  In our opinion, the
information set forth in the accompanying condensed consolidated balance sheet
as of December 31, 1998, is fairly stated, in all material respects, in relation
to the consolidated balance sheet from which it has been derived.

                                       /s/ Ernst & Young, LLP


November 5, 1999

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