<ARTICLE>                        9
<CIK>                                                        0001019650
<NAME>                                               UnionBancorp, INC.
<MULTIPLIER>                                                      1,000
<CURRENCY>                                                          USD

                                                                 
<PERIOD-TYPE>                                                6-MOS
<FISCAL-YEAR-END>                                      DEC-31-1999
<PERIOD-START>                                         JAN-01-1999
<PERIOD-END>                                           JUN-30-1999
<EXCHANGE-RATE>                                                  1
<CASH>                                                      25,020
<INT-BEARING-DEPOSITS>                                       1,418
<FED-FUNDS-SOLD>                                               375
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                131,589
<INVESTMENTS-CARRYING>                                      44,350
<INVESTMENTS-MARKET>                                        44,456
<LOANS>                                                    440,143
<ALLOWANCE>                                                  4,034
<TOTAL-ASSETS>                                             670,731
<DEPOSITS>                                                 562,119
<SHORT-TERM>                                                18,529
<LIABILITIES-OTHER>                                          5,413
<LONG-TERM>                                                 28,735
<PREFERRED-MANDATORY>                                          857
<PREFERRED>                                                    500
<COMMON>                                                     4,537
<OTHER-SE>                                                  50,041
<TOTAL-LIABILITIES-AND-EQUITY>                             670,731
<INTEREST-LOAN>                                             18,256
<INTEREST-INVEST>                                            5,164
<INTEREST-OTHER>                                                25
<INTEREST-TOTAL>                                            23,445
<INTEREST-DEPOSIT>                                          10,339
<INTEREST-EXPENSE>                                          11,791
<INTEREST-INCOME-NET>                                       11,654
<LOAN-LOSSES>                                                  601
<SECURITIES-GAINS>                                             122
<EXPENSE-OTHER>                                             11,534
<INCOME-PRETAX>                                              4,087
<INCOME-PRE-EXTRAORDINARY>                                   4,087
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 2,801
<EPS-BASIC>                                                 0.65
<EPS-DILUTED>                                                 0.64
<YIELD-ACTUAL>                                                8.13
<LOANS-NON>                                                  3,045
<LOANS-PAST>                                                   913
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             3,858
<CHARGE-OFFS>                                                  545
<RECOVERIES>                                                   120
<ALLOWANCE-CLOSE>                                            4,034
<ALLOWANCE-DOMESTIC>                                         4,034
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                        975