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 April 17, 2003
(Date of earliest event reported) (April 17, 2003)
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, Pro Forma Financial Information and
Exhibits
(a) FINANCIAL STATEMENTS OF BUSINESS ACQUIRED.
None.
(b) PRO FORMA FINANCIAL INFORMATION.
None.
(c) EXHIBITS.
99 Press Release dated April 17, 2003.
Item 9. Regulation FD Disclosure
On April 17, 2003, Heartland Financial USA, Inc. issued a press
release announcing its earnings for the quarter ended March 31,
2003. 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. The press release is
attached hereto as Exhibit 99.
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: April 17, 2003 By:/s/ John K. Schmidt
---------------------------
John K. Schmidt
Executive Vice President
and Chief Financial Officer