<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, 1999, 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-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   Dec-31-1999
<CASH>                                         3,598
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               75
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    0
<INVESTMENTS-CARRYING>                         13,995
<INVESTMENTS-MARKET>                           13,677
<LOANS>                                        91,045
<ALLOWANCE>                                    1,365
<TOTAL-ASSETS>                                 110,139
<DEPOSITS>                                     88,519
<SHORT-TERM>                                   3,519
<LIABILITIES-OTHER>                            6,458
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       11,731
<OTHER-SE>                                     (88)
<TOTAL-LIABILITIES-AND-EQUITY>                 110,139
<INTEREST-LOAN>                                6,732
<INTEREST-INVEST>                              745
<INTEREST-OTHER>                               96
<INTEREST-TOTAL>                               7,573
<INTEREST-DEPOSIT>                             3,407
<INTEREST-EXPENSE>                             3,612
<INTEREST-INCOME-NET>                          3,961
<LOAN-LOSSES>                                  656
<SECURITIES-GAINS>                             (2)
<EXPENSE-OTHER>                                2,352
<INCOME-PRETAX>                                1,155
<INCOME-PRE-EXTRAORDINARY>                     973
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   973
<EPS-BASIC>                                  .77
<EPS-DILUTED>                                  .77
<YIELD-ACTUAL>                                 4.56
<LOANS-NON>                                    138
<LOANS-PAST>                                   137
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                1,174
<ALLOWANCE-OPEN>                               742
<CHARGE-OFFS>                                  34
<RECOVERIES>                                   1
<ALLOWANCE-CLOSE>                              1,365
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        1,365



</TABLE>