UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                                
                     Washington, D.C. 20549
                                
                            FORM 13F
                                
         Report for the Calendar Year or Quarter Ended:
                        December 31, 2004
                                
                                
Check here if Amendment            [ ]:  Amendment Number: ______

This Amendment (Check only one.):  [ ] a restatement.

                                   [ ] adds new holdings entries.

Institutional Investment Manager Filing this Report:

              Name:         Heartland Financial USA, Inc.

              Address:      1398 Central Avenue
                            Dubuque, Iowa 52001


Form 13F file number:

The  institutional investment manager filing this report and  the
person  by  whom  it is signed hereby represent that  the  person
signing  the  report  is  authorized  to  submit  it,  that   all
information  contained herein is true, correct and complete,  and
that  it  is  understood  that  all required  items,  statements,
schedules,  lists, and tables, are considered integral  parts  of
this form.

Person Signing this Report on Behalf of Reporting Manager:

Reporting Manager:

Name:          Paul J. Peckosh

Title:         Senior Vice President

Phone:         563-589-2000

Signature, Place, and Date of Signing:



_______________________________
Dubuque, Iowa
February 4, 2005


Report Type (Check only one.):

[ ]   13F  HOLDINGS REPORT.  (Check here if all holdings of  this
reporting manager are reported in this report.)

[X] 13F NOTICE. (Check here if no holdings reported are in this
reporting  manager are reported in this report and a portion  are
reported by other reporting manager(s).)

[ ]  13F  COMBINATION REPORT. (Check here if a portion  of  the
holdings  for this reporting manager are reported in this  report
and a portion are reported by other reporting manager(s).)

List of other Managers:

No.	Form 13F File Number		Name
01	28-10581			Dubuque Bank and Trust Company