Form 8k 10-12-04 HBB Boston

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
 
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)
 
Not Applicable
(Former name or former address, if changed since last report)
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the
registrant under any of the following provisions (see General Instruction A.2 below):
 
    oWritten communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
    oSoliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
    oPre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
    oPre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
 
Item 8.01 Other Information
 
On October 15, 2004, Heartland Financial USA, Inc.announced the opening of a loan production office, just South of Boston, in Rockland, MA through its Heartland Business Bank (HBB) subsidiary.  A copy of the press release is attached as Exhibit 99.1.
 
Item 9.01 Financial Statements, Pro Forma Financial Information and Exhibits
 
      (a) Financial Statements of Business Acquired.
        
        None.
 
    (b) Pro Forma Financial Information.
 
        None.
 
    (c) Exhibits.
 
        99.1 Press Release dated October 1, 2004
 
 
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.
 
 
 
Date: October 15, 2004
 
     
  HEARTLAND FINANCIAL USA, INC
 
 
 
 
 
 
By:   /s/  John K. Schmidt
 
Executive Vice President, COO & CFO