SECURITIES
AND EXCHANGE COMMISSION
WASHINGTON,
D.C. 20549
FORM
11K
[X]
ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF
1934
For the
fiscal year ended December 31, 2004
OR
[ ]
TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF
1934
For
transition period __________ to __________
Commission
File Number: 33-76228
|
A. |
Full
title of the plan and the address of the plan, if different from that of
the issuer named below: |
Heartland
Financial USA, Inc.
Employee
Stock Purchase Plan
|
B. |
Name
of issuer of the securities held pursuant to the plan and the address of
its principal executive office: |
Heartland
Financial USA, Inc.
1398
Central Avenue
Dubuque,
IA 52001
REQUIRED
INFORMATION
The
Heartland Financial USA, Inc. Employee Stock Purchase Plan is not subject to the
Employee Retirement Income Security Act of 1974, as amended. Accordingly, the
audited financial statements prepared in accordance with the instructions to
Form 11-K are provided as Exhibit 99.1 to this Form 11-K.
SIGNATURES
The Plan
Pursuant
to the requirements of the Securities Exchange Act of 1934, the trustees (or
other persons who administer the employee benefit plan) have duly caused this
annual report to be signed on its behalf by the undersigned hereunto duly
authorized.
HEARTLAND
FINANCIAL USA, INC.
EMPLOYEE
STOCK PURCHASE PLAN
BY: /s/
John K. Schmidt
-----------------------------
John K.
Schmidt
Executive
Vice President
Chief
Operating Officer and
Chief
Financial Officer
Date:
March 21, 2005
-----------------------------
HEARTLAND
FINANCIAL USA, INC. EMPLOYEE STOCK PURCHASE PLAN
EXHIBIT
INDEX
TO
ANNUAL REPORT ON FORM 11-K
| Exhibit No. |
Description |
| |
|
| 23 |
Auditors’ Consent |
| 99.1 |
Financial
Statements |