Heartland Bancshares, Inc.
Ticker:HRTB P.O. Box 469
Exchange:Over-the-Counter Market Franklin, IN 46131
Industry:Financial (SIC Code 6712) (317) 738-3915

Offering Information
Type of Shares:Common Shares Filing Date:7/28/97
U.S. Shares:1,100,000 Offer Date:9/29/97
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:1,100,000 Offer Price:$10.00
Secondary Shares:0 Gross Spread:
Offering Amount: $11,000,000 Selling:$0.40
Expenses: - Reallowance:$0.10
Shares Out After: -

Primary Underwriting Group
ManagerTierPhone
Roney & Co.Lead Manager (313) 225-5741

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Leagre Chandler & Millard
Bank's Law Firm: Krieg, DeVault, Alexander & Capehart
Auditor: Crowe, Chizek and Company

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
1 Month Ending Financials
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
5/27/97 6/30/97
Revenue:$0.00Assets:$0.10
Net Income:-$0.01Curr Assets:$0.01
EPS:Liabilities:$0.11
Prior EPS:$0.07Curr Liabilities:$0.08
Cash Flow/Oper:$0.00Equity:-$0.01
Cash Flow/Fin:-$0.06Cash:$0.01
Cash Flow/Inv:-$0.06Working Cap:-$0.07

Business Description
The company is a state chartered commercial bank with depository accounts insured by the FDIC. The bank's offices will be located in the Indiana cities of Franklin and Greenwood in Johnson County, which is part of the Indianapolis Metropolitan Area. The bank's retail strategy will be to offer, primarily in Johnson County, a wide range of basic banking products and services that will be reasonably priced and easily understood by the customer. The bank's commercial strategy will center on small to medium sized business.

Use of Proceeds
The proceeds from the proposed offering will be used for general corporate purposes.

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