<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
PRINCETON NATIONAL BANCORP, INC. AND SUBSIDIARY CONSOLIDATED BALANCE SHEETS AND
STATEMENTS OF INCOME AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

<S>                                  <C>
<PERIOD-TYPE>                        9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                              11,461
<INT-BEARING-DEPOSITS>                             345,172
<FED-FUNDS-SOLD>                                     1,400
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         99,323
<INVESTMENTS-CARRYING>                              19,869
<INVESTMENTS-MARKET>                                19,639
<LOANS>                                            304,452
<ALLOWANCE>                                          1,915
<TOTAL-ASSETS>                                     460,762
<DEPOSITS>                                         385,145
<SHORT-TERM>                                        30,946
<LIABILITIES-OTHER>                                  3,318
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            20,699
<OTHER-SE>                                          20,654
<TOTAL-LIABILITIES-AND-EQUITY>                     460,762
<INTEREST-LOAN>                                     18,299
<INTEREST-INVEST>                                    5,321
<INTEREST-OTHER>                                       231
<INTEREST-TOTAL>                                    23,851
<INTEREST-DEPOSIT>                                  10,512
<INTEREST-EXPENSE>                                  11,481
<INTEREST-INCOME-NET>                               12,370
<LOAN-LOSSES>                                          385
<SECURITIES-GAINS>                                      41
<EXPENSE-OTHER>                                     10,983
<INCOME-PRETAX>                                      4,050
<INCOME-PRE-EXTRAORDINARY>                           4,050
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,833
<EPS-BASIC>                                           0.75
<EPS-DILUTED>                                         0.75
<YIELD-ACTUAL>                                        4.11
<LOANS-NON>                                          1,691
<LOANS-PAST>                                            42
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                         49
<ALLOWANCE-OPEN>                                     1,915
<CHARGE-OFFS>                                          494
<RECOVERIES>                                           224
<ALLOWANCE-CLOSE>                                    1,915
<ALLOWANCE-DOMESTIC>                                 1,915
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>