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 March 3, 2004
(Date of earliest event reported) (March 2, 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)
Item 7. Financial Statements and Exhibits
(a) FINANCIAL STATEMENTS OF BUSINESS ACQUIRED.
None.
(b) PRO FORMA FINANCIAL INFORMATION.
None.
(c) EXHIBITS
99.1 4th Quarter Newsletter to Shareholders
Item 9. Regulation FD Disclosure
On or about March 2, 2004, the Company mailed its 4th Quarter 2003 "Investment Profile," its quarterly newsletter to shareholders. 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.
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: March 2, 2004 By: /s/ John K. Schmidt
John K. Schmidt
Executive Vice President
and Chief Financial Officer