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 January 23, 2003
(Date of earliest event reported) (January 23, 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 5. Other Information
On January 23, 2003, Heartland Financial USA, Inc. issued a press
release announcing its earnings for the quarter ended December
31, 2002. The press release is attached hereto as Exhibit 99.
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 January 23, 2003.
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: January 23, 2003 By:/s/ John K. Schmidt
---------------------------
John K. Schmidt
Executive Vice President
and Chief Financial Officer