Form 8k filed 072406
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
July 24, 2006
(Date of earliest event reported)
July 24, 2006
 
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):
 
o   Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17CFR 240.14d-2(b))
 
o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Item 2.02  Results of Operations and Financial Condition.
 
On July 24, 2006, Heartland Financial USA, Inc., issued a press release announcing its earnings for the quarter ended June 30, 2006.  A copy of the press release is attached as Exhibit 99.1.
 
Item 9.01  Financial Statements and Exhibits.
 
(a) Financial Statements of Business Acquired.
    None.
 
(b) Pro Forma Financial Information.
    None.
 
(c) Exhibits.
    99.1  Press Release dated July 24, 2006
 
 
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.
 
Dated: July 24, 2006
By:
/s/ John K. Schmidt
 
John. K. Schmidt
 
Executive Vice President, CFO & COO