-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 NBTIvHLJjLnVm44rpm1wzBszWGGYpEnlRjQ0tieOV2TVVu+cz8AriEnqlqqI74BY
 TR4GRL8KHOhAbi0B9zPYNA==

<SEC-DOCUMENT>0000714756-08-000034.txt : 20080509
<SEC-HEADER>0000714756-08-000034.hdr.sgml : 20080509
<ACCEPTANCE-DATETIME>20080509111801
ACCESSION NUMBER:		0000714756-08-000034
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20080507
FILED AS OF DATE:		20080509
DATE AS OF CHANGE:		20080509

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Sutfin Judith Carre
		CENTRAL INDEX KEY:			0001420119

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-13393
		FILM NUMBER:		08816697

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		815-961-7003

	MAIL ADDRESS:	
		STREET 1:		501 SEVENTH STREET
		STREET 2:		P.O. BOX 1537
		CITY:			ROCKFORD
		STATE:			IL
		ZIP:			61110-0037

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMCORE FINANCIAL INC
		CENTRAL INDEX KEY:			0000714756
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				363183870
		STATE OF INCORPORATION:			NV
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		501 SEVENTH ST
		STREET 2:		P O BOX 1537
		CITY:			ROCKFORD
		STATE:			IL
		ZIP:			61104
		BUSINESS PHONE:		8159682241

	MAIL ADDRESS:	
		STREET 1:		501 SEVENTH ST
		STREET 2:		PO BOX 1537
		CITY:			ROCKFORD
		STATE:			IL
		ZIP:			611100037

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AMERICORP FINANCIAL INC
		DATE OF NAME CHANGE:	19851222
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2008-05-07</periodOfReport>

    <issuer>
        <issuerCik>0000714756</issuerCik>
        <issuerName>AMCORE FINANCIAL INC</issuerName>
        <issuerTradingSymbol>AMFI</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001420119</rptOwnerCik>
            <rptOwnerName>Sutfin Judith Carre</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>501 SEVENTH STREET</rptOwnerStreet1>
            <rptOwnerStreet2>P.O. BOX 1537</rptOwnerStreet2>
            <rptOwnerCity>ROCKFORD</rptOwnerCity>
            <rptOwnerState>IL</rptOwnerState>
            <rptOwnerZipCode>61110-0037</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>EVP &amp; Chief Financial Officer</officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Option</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>20.42</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-01-24</value>
            </exerciseDate>
            <expirationDate>
                <value>2018-01-24</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>75000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>75000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeTransaction>
            <securityTitle>
                <value>Stock Option</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>11.96</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2008-05-07</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>30000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2009-05-07</value>
                <footnoteId id="F1"/>
            </exerciseDate>
            <expirationDate>
                <value>2018-05-07</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>30000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>30000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">These options vest at the rate of 25% per year beginning May 7, 2009.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>JUDITHCARRESUTFIN</signatureName>
        <signatureDate>2008-05-08</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----