8-K

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	August 26, 2005
(Date of earliest event reported)	August 26, 2005

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)

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):

o Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-14(c))

Item 8.01 Other Events

On August 26, 2005, Heartland Financial USA, Inc., (the “Company”) announced the addition of a loan production office in Denver, Colorado.  A copy of the Press Release is attached hereto as Exhibit 99.

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

99.  Press Release dated August 26, 2005

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.

Dated:  August 26, 2005

HEARTLAND FINANCIAL USA, INC.

By:       /s/ John K. Schmidt

                   John K. Schmidt

                   Executive Vice President, CFO & COO

EX-99

1398 Central Avenue

P.O. Box 778

Dubuque, IA 52004-0778

Phone:  (563) 589-2100

Wats:  (888) 739-2100

Fax:  (563) 589-2011

AT THE COMPANY:

John K. Schmidt

Chief Financial Officer/COO

(563) 589-1994

jschmidt@ dubuquebank.com

FOR IMMEDIATE RELEASE

August 26, 2005

Heartland Financial USA, Inc. To Open Loan Production Office

Dubuque, Iowa, August 26, 2005—Heartland Financial USA, Inc. (NASDAQ NMS: HTLF), through its Rocky Mountain Bank subsidiary, recently announced the addition of a loan production office in Denver, CO.  The company also announced that it has hired John P. Carmichael to run its new LPO in Denver, which the company hopes to use as a springboard to opening a full-service state chartered bank in this market early next year.

The LPO is expected to open for business October 2005, pending regulatory approval, at 1625 Broadway, Suite 370 in Denver.  The initial focus of the LPO will be on marketing loan products and services to mortgage customers, local businesses, residential homebuilders and commercial builders.

"It provides a prime opportunity to expand our footprint into the western markets,” said Lynn B. Fuller, President and CEO of Heartland Financial USA, Inc.  We are excited with the prospect of bringing our style of community banking to the Denver community.”

"John is a great addition to our team," says Fuller. "His commercial banking experience, leadership capabilities, and relationships in the community will help drive the growth we plan to achieve in Denver.  We look forward to continuing to expand our presence to serve our clients well through additional strategic hires and branch locations."

The new LPO will offer the same personalized and professional banking services that customers have come to expect from the Heartland bank subsidiaries.  Focused on serving locally owned and managed businesses as well as individuals in need of a personalized banking relationship, all the decisions affecting client relationships are made by people, who live, work and are actively involved in serving the community.  “This LPO is a statement of our total commitment to the people of Denver,” Fuller said.

About Heartland Financial USA:

Heartland is a $2.7 billion financial services company providing banking, mortgage, investment, insurance, trust, fleet management and consumer finance services to individuals and businesses in 42 communities in nine states -- Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota and Massachusetts.  Heartland Financial USA, Inc. is listed on NASDAQ.  Its trading symbol is HTLF.

Additional information about Heartland Financial USA, Inc. is available through our website at http://www.htlf.com.