-----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,
 VjaU2jVhswQsALebbutvIJiXkYCzr1Nc393LiNgWplS3q1glT8iRcajft9eNEpa3
 xFHRjp9hGjZZHZtOL4xbpg==

<SEC-DOCUMENT>0001209191-08-021152.txt : 20080401
<SEC-HEADER>0001209191-08-021152.hdr.sgml : 20080401
<ACCEPTANCE-DATETIME>20080401171936
ACCESSION NUMBER:		0001209191-08-021152
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20080313
FILED AS OF DATE:		20080401
DATE AS OF CHANGE:		20080401

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NORTHERN STATES FINANCIAL CORP /DE/
		CENTRAL INDEX KEY:			0000744485
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				363449727
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		1601 N LEWIS AVE
		CITY:			WAUKEGAN
		STATE:			IL
		ZIP:			60085
		BUSINESS PHONE:		8472446000

	MAIL ADDRESS:	
		STREET 1:		1601 NORTH LEWIS AVE
		CITY:			WAUKEGAN
		STATE:			IL
		ZIP:			60085

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BIEGAY KERRY J
		CENTRAL INDEX KEY:			0001395472

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-19300
		FILM NUMBER:		08730374

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		(847) 244-6000

	MAIL ADDRESS:	
		STREET 1:		2422 POPLAR STREET
		CITY:			WAUKEGAN
		STATE:			IL
		ZIP:			60087
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>c25413_01kjb.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2008-03-13</periodOfReport>

    <issuer>
        <issuerCik>0000744485</issuerCik>
        <issuerName>NORTHERN STATES FINANCIAL CORP /DE/</issuerName>
        <issuerTradingSymbol>NSFC</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001395472</rptOwnerCik>
            <rptOwnerName>BIEGAY KERRY J</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>2422 POPLAR STREET</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>WAUKEGAN</rptOwnerCity>
            <rptOwnerState>IL</rptOwnerState>
            <rptOwnerZipCode>60087</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Vice President</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2008-03-13</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>500</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>21.90</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <footnotes>
        <footnote id="F1">Shares held in the reporting person's account in the Company's 401(k) Plan as of the date hereof.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ Kerry J. Biegay</signatureName>
        <signatureDate>2008-04-01</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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