Exhibit 23.1



                  INDEPENDENT AUDITORS' CONSENT


The Board of Directors
Heartland Financial USA, Inc.:


We consent to incorporation by reference in the Registration
Statements (Nos. 333-06233, 333-81374, and 333-06219) on Form S-8
of Heartland Financial USA, Inc. of our report dated January 17,
2003, relating to the consolidated balance sheets of Heartland
Financial USA, Inc. and subsidiaries as of December 31, 2002 and
2001, and the related consolidated statements of income, changes
in stockholders' equity and comprehensive income, and cash flows
for each of the years in the three-year period ended December 31,
2002, which report appears in the December 31, 2002 annual report
on Form 10-K of Heartland Financial USA, Inc. and subsidiaries.
Our report refers to a change in the method of accounting for
goodwill in 2002.

                                   /s/ KPMG LLP

Des Moines, Iowa
March 25, 2003