<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<MULTIPLIER>                                   1

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                         30,982,575
<INT-BEARING-DEPOSITS>                         7,277,330
<FED-FUNDS-SOLD>                               4,496,669
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    202,345,158
<INVESTMENTS-CARRYING>                         4,821,560
<INVESTMENTS-MARKET>                           4,878,597
<LOANS>                                        735,493,196
<ALLOWANCE>                                    7,117,593
<TOTAL-ASSETS>                                 1,044,844,694
<DEPOSITS>                                     822,340,567
<SHORT-TERM>                                   69,647,242
<LIABILITIES-OTHER>                            6,737,181
<LONG-TERM>                                    23,226,624
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       1,008,621
<OTHER-SE>                                     121,884,329
<TOTAL-LIABILITIES-AND-EQUITY>                 1,044,844,694
<INTEREST-LOAN>                                39,685,431
<INTEREST-INVEST>                              7,274,371
<INTEREST-OTHER>                               313,334
<INTEREST-TOTAL>                               47,273,136
<INTEREST-DEPOSIT>                             18,443,798
<INTEREST-EXPENSE>                             20,994,256
<INTEREST-INCOME-NET>                          26,278,880
<LOAN-LOSSES>                                  547,500
<SECURITIES-GAINS>                             992,469
<EXPENSE-OTHER>                                21,989,567
<INCOME-PRETAX>                                10,097,117
<INCOME-PRE-EXTRAORDINARY>                     6,428,841
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   6,428,841
<EPS-BASIC>                                  0.67
<EPS-DILUTED>                                  0.67
<YIELD-ACTUAL>                                 7.56
<LOANS-NON>                                    4,642,000
<LOANS-PAST>                                   242,000
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                645,000
<ALLOWANCE-OPEN>                               4,484,504
<CHARGE-OFFS>                                  307,986
<RECOVERIES>                                   164,810
<ALLOWANCE-CLOSE>                              7,117,322<F1>
<ALLOWANCE-DOMESTIC>                           7,117,322
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        7,117,322
<FN>
<F1>Allowance at 9/30/99 includes 2,228,493 acquired with Bank of Northern
Illinois N.A.  The acquisition of Bank of Northern Illinois and its parent
company, First Waukegan Corporation, was completed on June 23, 1999.  The
acquisition was accounted for as a purchase.
</FN>


</TABLE>