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SECURITIES AND EXCHANGE COMMISSION
 
WASHINGTON, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT
 
Pursuant to Section 13 of 15(d) of
The Securities Exchange Act of 1934
 
Date of Report: January 24, 2011
(Date of earliest event reported): January 24, 2011
 
Heartland Financial USA, Inc.
(Exact name of Registrant as specified in its charter)
 
Delaware
(State or 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):
 
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Item 2.02 Results of Operation and Financial Condition
 
On January 24, 2011, Heartland Financial USA, Inc. issued a press release announcing its earnings for the quarter
ending December 31, 2010. A copy of the press release is attached 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.
 
1.    
Press Release dated January 24, 2011.
 
 
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.
 
Date: January 24, 2011
 
 
 
HEARTLAND FINANCIAL USA, INC.
 
 
By:
/s/ John K. Schmidt
 
Executive Vice President, COO & CFO