The multi-band image photographing method and apparatus photograph a subject by dividing a photographing wavelength region into plural bands and obtain spectral images of the subject corresponding to the respective divided plural bands. The method and apparatus detect a sensitivity balance among the respective plural bands from photographing data of each of the spectral images obtained by preliminary photographing performed prior to main photographing, determine photographing conditions for the respective plural bands based upon the detected sensitivity balance, and perform the main photographing in accordance with the determined photographing conditions to photograph a multi-band image. The program is used to cause a computer to execute this method or part thereof.