Form 8k 09/29/04 Investment Profile 2nd Qtr
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  September 29, 2004
(Date of earliest event reported)  September 29, 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)
 
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 8.01 Other Events
 
On or about August 26, 2004, Heartland Financial USA, Inc. (the "Company") mailed its 2nd Quarter 2004 "Investment Profile," its quarterly newsletter to shareholders.  A copy of the Company's 2nd Quarter Investment Profile Newsletter is attached hereto 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  2nd Quarter Investment Profile Newsletter
 
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: September 29, 2004
 

/s/ John K. Schmidt

     _____________________

Executive Vice President, CFO & COO