Company:  NORTHERN STATES FINANCIAL ... (NSFC)
Form Type:  10-K
Filing Date:  3/25/2009 
CIK:  0000744485 
Address:  1601 N LEWIS AVE 
City, State, Zip:  WAUKEGAN, Illinois 60085 
Telephone:  (847) 244-6000 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$4.00   		Change: 
0.10 (2.56%)  
Trade Time: 
Feb 09   		Market Cap: 
$16.29M
Description of Business
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  FORM 10-K
    PART I
      Item 1. Business.
      Item 2. Properties.
      Item 3. Legal Proceedings.
    PART II
      Item 5. Market for the Company's Common Equity, Related ...
      Item 6. Selected Financial Data.
      Item 7. Management's Discussion and Analysis of Financial ...
        RESULTS OF OPERATIONS - YEARS-ENDED DECEMBER 31, 2008 ...
          BALANCE SHEET
      Item 7A. Quantitative and Qualitative Disclosures About ...
      Item 8. Financial Statements and Supplementary Data.
        Report of Independent Registered Public Accounting Firm
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        INCOME STATEMENT
        Note 20 - Subsequent Events
      Item 9A. Controls and Procedures.
      Report of Independent Registered Public Accounting Firm
    PART III
      Item 10. Directors, Executive Officers, and Corporate ...
      Item 11. Executive Compensation.
    PART IV
      Item 15. Exhibits, Financial Statement Schedules.
    SIGNATURES
    EXHIBIT INDEX
  EXHIBIT 3.2
  EXHIBIT 3.3
  EXHIBIT 10.3
  EXHIBIT 14
  EXHIBIT 21
  EXHIBIT 31.1
  EXHIBIT 31.2
  EXHIBIT 32
    Section 906 Certification
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