UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 13F

Report for the Calendar Year or Quarter Ended:
September 30, 2005


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:


/s/ Paul Peckosh
_______________________________
Dubuque, Iowa
October 28, 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 of 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 NumberName
01028-10581Dubuque Bank and Trust Company