Exhibit 31.2

I, John K. Schmidt, certify that:

1.I have reviewed this annual report on Form 10-K of Heartland Financial USA, Inc.;

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact
    necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading
    with respect to the period covered by this report;

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all
    material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods
    presented in this report;

4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and
    procedures (as defined in Exchange Act Rules 13a-14 and 15d-15(e)) and internal control over financial reporting (as defined in
    Exchange Act Rules 13a-15(f) and 15d-15(f) for the registrant and have:

a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed
    under our supervision, to ensure that material information relating to the registrant, including its consolidated
    subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is
    being prepared;

b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be 
    designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the
    preparation of financial statements for external purpose in accordance with generally accepted accounting principles;

c)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our
    conclusions about the effectiveness of the disclosure controls and procedures as of the end of the period covered by
    this report based on such evaluation; and

d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the
    registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the
    registrant’s internal control over financial reporting, and;

5.The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over
    financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors (or persons performing
    the equivalent function):

a)All significant deficiencies and material weaknesses in the design or operation of internal controls over financial
     reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize, and
     report financial information; and

b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the
     registrant’s internal control over financial reporting.

Date:March 15, 2005

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/s/ John K. Schmidt

Chief Financial Officer