<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL STATEMENT INFORMATION EXTRACTED FROM
THE CONSOLIDATED FINANCIAL STATEMENTS OF HEARTLAND BANCSHARES, INC. FOR THE
NINE-MONTH PERIOD FROM JANUARY 1, 2000 THROUGH SEPTEMBER 30, 2000 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       1,458,480
<INT-BEARING-DEPOSITS>                      31,947,461
<FED-FUNDS-SOLD>                             9,942,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 15,898,465
<INVESTMENTS-CARRYING>                      15,814,464
<INVESTMENTS-MARKET>                        15,898,465
<LOANS>                                     14,152,264
<ALLOWANCE>                                   (176,753)
<TOTAL-ASSETS>                              44,727,361
<DEPOSITS>                                  38,700,862
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            183,940
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        65,203
<OTHER-SE>                                   6,437,152
<TOTAL-LIABILITIES-AND-EQUITY>              44,727,361
<INTEREST-LOAN>                                714,899
<INTEREST-INVEST>                              585,774
<INTEREST-OTHER>                               624,018
<INTEREST-TOTAL>                             1,924,691
<INTEREST-DEPOSIT>                             874,338
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                        1,050,353
<LOAN-LOSSES>                                   65,104
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,396,718
<INCOME-PRETAX>                               (327,947)
<INCOME-PRE-EXTRAORDINARY>                    (237,547)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (237,547)
<EPS-BASIC>                                      (0.36)
<EPS-DILUTED>                                    (0.36)
<YIELD-ACTUAL>                                    4.05
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                              (111,633)
<CHARGE-OFFS>                                      197
<RECOVERIES>                                      (213)
<ALLOWANCE-CLOSE>                             (176,753)
<ALLOWANCE-DOMESTIC>                          (176,753)
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>