8-K for 1st Quarter Investment Profile
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549


FORM 8-K
 
CURRENT REPORT
 
Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934
 
Date of Report 

May 28, 2004

(Date of earliest event reported) 

 (May 28, 2004)


     HEARTLAND FINANCIAL, USA, INC.
      (Exact name of Registrant as specified in its charter)

Delaware
(State or other jurisdiction of incorporation)
 
 

0-24724 

 42-1405748

(Commission File Number) 

 (I.R.S. Employer Identification Number)


1398 Central Avenue, Dubuque, Iowa

52001

(Address of principal executive offices) 

 (Zip Code)

 
(563) 589-2100
(Registrant's telephone number, including area code)


 
 
Item 7. Financial Statements and Exhibits

(a)  FINANCIAL STATEMENTS OF BUSINESS ACQUIRED.

    None.

(b)  PRO FORMA FINANCIAL INFORMATION.

    None.

(c)  EXHIBITS

      99.1   1st Quarter Newsletter to Shareholders
 
Item 9. Regulation FD Disclosure

On or about May 26, 2004, the Company mailed its 1st Quarter 2004 "Investment Profile," its quarterly newsletter to shareholders. The information contained in this Item 9 of the Current Report is being furnished pursuant to "Item 12. Results of Operations and Financial Condition" of Form 8-K in accordance with SEC Release Nos. 33-8216 and 34-47583.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

     
  HEARTLAND FINANCIAL USA, INC.
 
 
 
 
 
 
Date: May 28, 2004 By:   /s/ John K. Schmidt
 
  Executive Vice President, CFO and COO