SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 11K
[X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2002
OR
[ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For transition period __________ to __________
Commission File Number: 33-76228
A. Full title of the plan and the address of the plan, if
different from that of the issuer named below:
Heartland Financial USA, Inc.
Employee Stock Purchase Plan
B. Name of issuer of the securities held pursuant to the plan
and the address of its principal executive office:
Heartland Financial USA, Inc.
1398 Central Avenue
Dubuque, IA 52001
REQUIRED INFORMATION
The Heartland Financial USA, Inc. Employee Stock Purchase
Plan is not subject to the Employee Retirement Income Security
Act of 1974, as amended. Accordingly, the audited financial
statements prepared in accordance with the instructions to Form
11-K are provided as Exhibit 99.1 to this Form 11-K.
SIGNATURES
The Plan
Pursuant to the requirements of the Securities Exchange Act of
1934, the trustees (or other persons who administer the employee
benefit plan) have duly caused this annual report to be signed on
its behalf by the undersigned hereunto duly authorized.
HEARTLAND FINANCIAL USA, INC.
EMPLOYEE STOCK PURCHASE PLAN
BY: /s/ John K. Schmidt
-----------------------------
John K. Schmidt
Executive Vice President and
Chief Financial Officer
Date: March 26, 2003
-----------------------------
HEARTLAND FINANCIAL USA, INC. EMPLOYEE STOCK PURCHASE PLAN
EXHIBIT INDEX
TO ANNUAL REPORT ON FORM 11-K
Exhibit
No. Description
------- -----------
23 Auditors' Consent
99.1 Financial Statements