<ARTICLE>                        9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM (A) AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH (B)
</LEGEND>
<CIK>                                                        0001019650
<NAME>                                               UnionBancorp, INC.
<MULTIPLIER>                                                      1,000
<CURRENCY>                                                          USD
       
                                                                 
<PERIOD-TYPE>                                                     3-MOS
<FISCAL-YEAR-END>                                           DEC-31-1999
<PERIOD-START>                                              JAN-01-1999
<PERIOD-END>                                                MAR-31-1999
<EXCHANGE-RATE>                                                       1
<CASH>                                                           17,267
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                    125
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                     131,245
<INVESTMENTS-CARRYING>                                           42,994
<INVESTMENTS-MARKET>                                             44,093
<LOANS>                                                         416,662
<ALLOWANCE>                                                       4,043
<TOTAL-ASSETS>                                                  635,461
<DEPOSITS>                                                      519,949
<SHORT-TERM>                                                     18,287
<LIABILITIES-OTHER>                                               6,153
<LONG-TERM>                                                      25,208
<PREFERRED-MANDATORY>                                               857
<PREFERRED>                                                         500
<COMMON>                                                          4,534
<OTHER-SE>                                                       49,973
<TOTAL-LIABILITIES-AND-EQUITY>                                  635,461
<INTEREST-LOAN>                                                   8,888
<INTEREST-INVEST>                                                 2,638
<INTEREST-OTHER>                                                     19
<INTEREST-TOTAL>                                                 11,545
<INTEREST-DEPOSIT>                                                5,007
<INTEREST-EXPENSE>                                                5,724
<INTEREST-INCOME-NET>                                             5,821
<LOAN-LOSSES>                                                       298
<SECURITIES-GAINS>                                                  122
<EXPENSE-OTHER>                                                   5,715
<INCOME-PRETAX>                                                   2,108
<INCOME-PRE-EXTRAORDINARY>                                        2,108
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                      1,438
<EPS-PRIMARY>                                                      0.33
<EPS-DILUTED>                                                      0.32
<YIELD-ACTUAL>                                                     8.22
<LOANS-NON>                                                       2,291
<LOANS-PAST>                                                      1,515
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                  3,858
<CHARGE-OFFS>                                                       202
<RECOVERIES>                                                         89
<ALLOWANCE-CLOSE>                                                 4,043
<ALLOWANCE-DOMESTIC>                                              4,043
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0