Form 8k filed 102306
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
October 23, 2006
(Date of earliest event reported)
October 23, 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 communication 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 (17 CFR 240.14d-2(b))
 
o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-14(c))
 
 
Item 2.02    Results of Operations and Financial Condition
On October 23, 2006, Heartland Financial USA, Inc., issued a press release announcing its earnings for the quarter ended September 30, 2006.  A copy of the press release is attached as Exhibit 99.
 
 
Item 9.01    Financial Statements and Exhibits
 
(a)
FINANCIAL STATEMENTS OF BUSINESS ACQUIRED.
 
NONE.
 
(b)
PRO FORMA FINANCIAL INFORMATION.
 
NONE.
 
(c)
EXHIBITS
 
99. Press Release dated October 23, 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.
 
 
Dated: October 23, 2006
  HEARTLAND FINANCIAL USA, INC.
  By: /s/ John K. Schmidt
  John K. Schmidt
  Executive Vice President, CFO & COO