<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>                        3-MOS
<FISCAL-YEAR-END>                            DEC-31-1999
<PERIOD-END>                                 MAR-31-1999
<CASH>                                            15,408
<INT-BEARING-DEPOSITS>                           348,109
<FED-FUNDS-SOLD>                                   6,400
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                      112,874
<INVESTMENTS-CARRYING>                            23,415
<INVESTMENTS-MARKET>                              23,625
<LOANS>                                          277,725
<ALLOWANCE>                                        1,803
<TOTAL-ASSETS>                                   457,937
<DEPOSITS>                                       386,737
<SHORT-TERM>                                      24,215
<LIABILITIES-OTHER>                                4,326
<LONG-TERM>                                            0
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                          20,699
<OTHER-SE>                                        21,960
<TOTAL-LIABILITIES-AND-EQUITY>                   457,937
<INTEREST-LOAN>                                    6,011
<INTEREST-INVEST>                                  1,852
<INTEREST-OTHER>                                     119
<INTEREST-TOTAL>                                   7,982
<INTEREST-DEPOSIT>                                 3,600
<INTEREST-EXPENSE>                                 3,895
<INTEREST-INCOME-NET>                              4,087
<LOAN-LOSSES>                                         10
<SECURITIES-GAINS>                                    11
<EXPENSE-OTHER>                                    3,579
<INCOME-PRETAX>                                    1,526
<INCOME-PRE-EXTRAORDINARY>                         1,526
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       1,135
<EPS-PRIMARY>                                       0.30
<EPS-DILUTED>                                       0.30
<YIELD-ACTUAL>                                      4.10
<LOANS-NON>                                        1,270
<LOANS-PAST>                                          29
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                       47
<ALLOWANCE-OPEN>                                   1,800
<CHARGE-OFFS>                                         91
<RECOVERIES>                                          84
<ALLOWANCE-CLOSE>                                  1,803
<ALLOWANCE-DOMESTIC>                               1,803
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0
        


</TABLE>