<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the
     financial statements contained in the filer's Form 10-KSB for the Year
     ended December 31, 1998, and is filed in its entirety by reference to
     such financial statements.
</LEGEND>
<CIK>                         0001042905
<NAME>                        Heartland Bancshares, Inc.
<MULTIPLIER>                                   1,000
       
<S>                                            <C>  
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   Dec-31-1998
<CASH>                                         1,963
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               1,200
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    0
<INVESTMENTS-CARRYING>                         10,404
<INVESTMENTS-MARKET>                           10,457
<LOANS>                                        49,442
<ALLOWANCE>                                    742
<TOTAL-ASSETS>                                 64,660
<DEPOSITS>                                     52,754
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            990
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       11,731
<OTHER-SE>                                     (815)
<TOTAL-LIABILITIES-AND-EQUITY>                 64,660
<INTEREST-LOAN>                                2,512
<INTEREST-INVEST>                              529
<INTEREST-OTHER>                               99
<INTEREST-TOTAL>                               3,140
<INTEREST-DEPOSIT>                             1,298
<INTEREST-EXPENSE>                             1,307
<INTEREST-INCOME-NET>                          1,833
<LOAN-LOSSES>                                  700
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                1,817
<INCOME-PRETAX>                                (628)
<INCOME-PRE-EXTRAORDINARY>                     (628)
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   (628)
<EPS-PRIMARY>                                  (.50)
<EPS-DILUTED>                                  (.50)
<YIELD-ACTUAL>                                 5.03
<LOANS-NON>                                    0
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               46
<CHARGE-OFFS>                                  4
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              742
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        742
        


</TABLE>