Heartland Bank & Trust 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
Aflac Inc	Com	001055102	233,010	2,609	SH		SOLE	0	2,609	0	0
Aflac Inc	Com	001055102	57,158	640	SH		DFND	0	340	0	300
AES Corp	Com	00130H105	216,867	12,343	SH		SOLE	0	12,343	0	0
AT&T Inc	Com	00206R102	422,197	22,093	SH		SOLE	0	22,093	0	0
AbbVie Inc	Com	00287Y109	1,359,296	7,925	SH		SOLE	0	7,925	0	0
AbbVie Inc	Com	00287Y109	137,216	800	SH		DFND	0	800	0	0
Advanced Micro Devices	Com	007903107	1,203,760	7,421	SH		SOLE	0	7,421	0	0
Air Products and Chemicals, Inc.	Com	009158106	379,075	1,469	SH		SOLE	0	1,469	0	0
Alliant Energy Corporation	Com	018802108	232,104	4,560	SH		SOLE	0	4,560	0	0
Alphabet Inc., 'C'	Com	02079K107	206,348	1,125	SH		SOLE	0	1,125	0	0
Alphabet Inc., 'C'	Com	02079K107	183,420	1,000	SH		DFND	0	1,000	0	0
Alphabet Inc. Class A	Com	02079K305	7,336,273	40,276	SH		SOLE	0	40,276	0	0
Alphabet Inc. Class A	Com	02079K305	182,150	1,000	SH		DFND	0	1,000	0	0
Amazon.com, Inc.	Com	023135106	4,668,534	24,158	SH		SOLE	0	24,158	0	0
Amazon.com, Inc.	Com	023135106	150,735	780	SH		DFND	0	780	0	0
American Electric Power Inc	Com	025537101	392,900	4,478	SH		SOLE	0	4,478	0	0
American Express	Com	025816109	195,660	845	SH		SOLE	0	845	0	0
American Express	Com	025816109	86,831	375	SH		DFND	0	375	0	0
Ameriprise Financial	Com	03076C106	1,091,470	2,555	SH		SOLE	0	2,555	0	0
Ameriprise Financial	Com	03076C106	85,438	200	SH		DFND	0	100	0	100
Amphenol Corp Class A	Com	032095101	504,332	7,486	SH		SOLE	0	7,486	0	0
Elevance Health, Inc.	Com	036752103	411,272	759	SH		SOLE	0	759	0	0
Apple Inc.	Com	037833100	10,345,865	49,121	SH		SOLE	0	49,121	0	0
Apple Inc.	Com	037833100	353,842	1,680	SH		DFND	0	1,680	0	0
Applied Materials	Com	038222105	395,991	1,678	SH		SOLE	0	1,678	0	0
Arista Networks, Inc.	Com	040413106	1,179,716	3,366	SH		SOLE	0	3,366	0	0
Automatic Data Processing, Inc.	Com	053015103	761,182	3,189	SH		SOLE	0	3,189	0	0
Automatic Data Processing, Inc.	Com	053015103	226,756	950	SH		DFND	0	950	0	0
iPath Bloomberg Commodity Index Total Return	Com	06738C778	13,743,160	428,670	SH		SOLE	0	428,344	0	326
iPath Bloomberg Commodity Index Total Return	Com	06738C778	9,714	303	SH		DFND	0	303	0	0
Berkshire Hathaway Inc. Class B	Com	084670702	1,005,610	2,472	SH		SOLE	0	2,472	0	0
Berkshire Hathaway Inc. Class B	Com	084670702	484,499	1,191	SH		DFND	0	1,191	0	0
Boston Scientific Corp	Com	101137107	792,895	10,296	SH		SOLE	0	10,296	0	0
Broadcom Inc.	Com	11135F101	2,777,567	1,730	SH		SOLE	0	1,730	0	0
CBOE Global Mkts Inc	Com	12503M108	702,518	4,131	SH		SOLE	0	4,131	0	0
The Cigna Group	Com	125523100	583,787	1,766	SH		SOLE	0	1,766	0	0
The Cigna Group	Com	125523100	4,628	14	SH		DFND	0	14	0	0
Cadence Design System Inc	Com	127387108	489,323	1,590	SH		SOLE	0	1,590	0	0
CenterPoint Energy Inc	Com	15189T107	358,470	11,571	SH		SOLE	0	11,571	0	0
Chevron Corporation	Com	166764100	752,849	4,813	SH		SOLE	0	4,813	0	0
Chevron Corporation	Com	166764100	180,509	1,154	SH		DFND	0	741	0	413
Chipotle Mexican Grill, Inc.	Com	169656105	883,365	14,100	SH		SOLE	0	14,100	0	0
Cintas Corporation	Com	172908105	298,311	426	SH		SOLE	0	426	0	0
Coca-Cola Co	Com	191216100	539,306	8,473	SH		SOLE	0	8,473	0	0
Commerce Bancshares Inc	Com	200525103	262,110	4,699	SH		SOLE	0	4,699	0	0
Commerce Bancshares Inc	Com	200525103	35,309	633	SH		DFND	0	258	0	375
ConocoPhillips	Com	20825C104	431,899	3,776	SH		SOLE	0	3,776	0	0
Constellation Energy Corporation	Com	21037T109	762,828	3,809	SH		SOLE	0	3,809	0	0
Costco Wholesale Corporation	Com	22160K105	952,839	1,121	SH		SOLE	0	1,121	0	0
Cummins Inc.	Com	231021106	567,707	2,050	SH		SOLE	0	2,050	0	0
Cummins Inc.	Com	231021106	33,232	120	SH		DFND	0	70	0	50
Danaher Corporation	Com	235851102	830,002	3,322	SH		SOLE	0	3,322	0	0
Deere & Co	Com	244199105	577,258	1,545	SH		SOLE	0	1,545	0	0
Diamondback Energy, Inc.	Com	25278X109	318,102	1,589	SH		SOLE	0	1,589	0	0
Edwards Lifesciences Corporation	Com	28176E108	586,272	6,347	SH		SOLE	0	6,347	0	0
Equinix, Inc.	Com	29444U700	218,657	289	SH		SOLE	0	289	0	0
Exelon Corp	Com	30161N101	328,830	9,501	SH		SOLE	0	9,501	0	0
Exxon Mobil Corporation	Com	30231G102	1,908,459	16,578	SH		SOLE	0	16,578	0	0
Exxon Mobil Corporation	Com	30231G102	194,553	1,690	SH		DFND	0	1,375	0	315
Meta Platforms, Inc.	Com	30303M102	3,277,430	6,500	SH		SOLE	0	6,500	0	0
Fair Isaac Inc	Com	303250104	604,396	406	SH		SOLE	0	406	0	0
Fox Corporation Class B	Com	35137L204	558,237	17,434	SH		SOLE	0	17,434	0	0
Freeport-McMoRan, Inc	Com	35671D857	535,669	11,022	SH		SOLE	0	11,022	0	0
Gallagher, Arthur J. & CO.	Com	363576109	709,991	2,738	SH		SOLE	0	2,738	0	0
General Dynamics Corporation	Com	369550108	633,956	2,185	SH		SOLE	0	2,185	0	0
General Dynamics Corporation	Com	369550108	116,056	400	SH		DFND	0	400	0	0
General Mills	Com	370334104	491,404	7,768	SH		SOLE	0	7,768	0	0
Globe Life Inc	Com	37959E102	287,815	3,498	SH		SOLE	0	3,498	0	0
Grainger (W.W.)	Com	384802104	696,529	772	SH		SOLE	0	772	0	0
HBT Financial, Inc.	Com	404111106	1,770,414	86,700	SH		SOLE	0	0	0	86,700
HCA Healthcare	Com	40412C101	208,511	649	SH		SOLE	0	649	0	0
Hershey Company	Com	427866108	357,733	1,946	SH		SOLE	0	1,946	0	0
Home Depot, Inc.	Com	437076102	1,055,096	3,065	SH		SOLE	0	3,065	0	0
Home Depot, Inc.	Com	437076102	206,544	600	SH		DFND	0	600	0	0
Host Hotels and Resorts Inc	Com	44107P104	367,781	20,455	SH		SOLE	0	20,455	0	0
Hunt (J.B.) Transport	Com	445658107	234,560	1,466	SH		SOLE	0	1,466	0	0
Huntington Bancshares	Com	446150104	432,739	32,833	SH		SOLE	0	32,833	0	0
IDEX Corp	Com	45167R104	356,526	1,772	SH		SOLE	0	1,772	0	0
Ingersoll Rand Inc	Com	45687V106	769,324	8,469	SH		SOLE	0	8,469	0	0
International Business Machines	Com	459200101	737,286	4,263	SH		SOLE	0	4,263	0	0
Intuit Inc.	Com	461202103	513,938	782	SH		SOLE	0	782	0	0
Intuitive Surgical, Inc.	Com	46120E602	998,243	2,244	SH		SOLE	0	2,244	0	0
IQVIA Holdings Inc	Com	46266C105	254,151	1,202	SH		SOLE	0	1,202	0	0
Iron Mountain Inc	Com	46284V101	728,700	8,131	SH		SOLE	0	8,131	0	0
Iron Mountain Inc	Com	46284V101	49,291	550	SH		DFND	0	220	0	330
iShares Global Infrastructure ETF	Com	464288372	13,860,141	289,235	SH		SOLE	0	289,019	0	216
iShares Global Infrastructure ETF	Com	464288372	9,536	199	SH		DFND	0	199	0	0
iShares Short Treasury Bond ETF	Com	464288679	5,655,611	51,182	SH		SOLE	0	51,182	0	0
iShares iBonds Dec 2025 Term Corporate ETF	Com	46434VBD1	610,885	24,573	SH		SOLE	0	24,573	0	0
iShares iBonds Dec 2024 Term Corporate ETF	Com	46434VBG4	508,003	20,215	SH		SOLE	0	20,215	0	0
iShares iBonds Dec 2026 Term Corporate ETF	Com	46435GAA0	802,329	33,683	SH		SOLE	0	33,683	0	0
iShares iBonds Dec 2027 Term Corporate ETF	Com	46435UAA9	762,326	32,125	SH		SOLE	0	32,125	0	0
JPMorgan Chase Co.	Com	46625H100	3,765,272	18,616	SH		SOLE	0	18,616	0	0
JPMorgan Chase Co.	Com	46625H100	119,333	590	SH		DFND	0	490	0	100
Johnson & Johnson	Com	478160104	1,025,020	7,013	SH		SOLE	0	7,013	0	0
Johnson & Johnson	Com	478160104	277,266	1,897	SH		DFND	0	1,897	0	0
KLA Corporation	Com	482480100	903,663	1,096	SH		SOLE	0	1,096	0	0
Las Vegas Sands Corp	Com	517834107	202,798	4,583	SH		SOLE	0	4,583	0	0
Lennar Corp.	Com	526057104	353,693	2,360	SH		SOLE	0	2,360	0	0
Eli Lilly and Co	Com	532457108	4,312,325	4,763	SH		SOLE	0	4,763	0	0
MSCI Inc	Com	55354G100	698,538	1,450	SH		SOLE	0	1,450	0	0
Marathon Petroleum Corp	Com	56585A102	348,695	2,010	SH		SOLE	0	2,010	0	0
MarketAxess Holdings Inc.	Com	57060D108	451,594	2,252	SH		SOLE	0	2,252	0	0
Martin Marietta Materials Inc	Com	573284106	435,607	804	SH		SOLE	0	804	0	0
MasterCard Inc. Class A	Com	57636Q104	2,340,795	5,306	SH		SOLE	0	5,306	0	0
McDonald's Corp	Com	580135101	455,399	1,787	SH		SOLE	0	1,787	0	0
McDonald's Corp	Com	580135101	89,194	350	SH		DFND	0	350	0	0
McKesson Corp	Com	58155Q103	534,981	916	SH		SOLE	0	916	0	0
Merck & Co., Inc.	Com	58933Y105	1,411,939	11,405	SH		SOLE	0	11,405	0	0
Microsoft Corporation	Com	594918104	10,050,118	22,486	SH		SOLE	0	22,486	0	0
Microsoft Corporation	Com	594918104	618,579	1,384	SH		DFND	0	1,384	0	0
Micron Tech Inc	Com	595112103	273,582	2,080	SH		SOLE	0	2,080	0	0
Mondelez International 'A'	Com	609207105	580,191	8,866	SH		SOLE	0	8,866	0	0
Monolithic Power Systems Inc	Com	609839105	446,172	543	SH		SOLE	0	543	0	0
Monster Beverage Corporation	Com	61174X109	459,240	9,194	SH		SOLE	0	9,194	0	0
Morningstar	Com	617700109	334,311	1,130	SH		DFND	0	1,130	0	0
NetApp Inc	Com	64110D104	1,211,750	9,408	SH		SOLE	0	9,408	0	0
Netflix Inc	Com	64110L106	1,194,538	1,770	SH		SOLE	0	1,770	0	0
NextEra Energy, Inc.	Com	65339F101	242,170	3,420	SH		SOLE	0	3,420	0	0
NIKE, Inc. Class B	Com	654106103	246,083	3,265	SH		SOLE	0	3,265	0	0
Nucor Corp	Com	670346105	403,578	2,553	SH		SOLE	0	2,553	0	0
NVIDIA Corporation	Com	67066G104	9,507,515	76,959	SH		SOLE	0	76,959	0	0
Old Dominion Freight Line, Inc	Com	679580100	553,818	3,136	SH		SOLE	0	3,136	0	0
Oracle Corp	Com	68389X105	126,656	897	SH		SOLE	0	897	0	0
Oracle Corp	Com	68389X105	112,960	800	SH		DFND	0	800	0	0
Paccar Inc	Com	693718108	742,094	7,209	SH		SOLE	0	7,209	0	0
Palo Alto Networks Inc	Com	697435105	766,502	2,261	SH		SOLE	0	2,261	0	0
Paycom Software Inc	Com	70432V102	224,144	1,567	SH		SOLE	0	1,567	0	0
Pepsico Inc	Com	713448108	841,473	5,102	SH		SOLE	0	5,102	0	0
Pepsico Inc	Com	713448108	144,314	875	SH		DFND	0	875	0	0
Pfizer Inc	Com	717081103	576,136	20,591	SH		SOLE	0	20,591	0	0
Pfizer Inc	Com	717081103	19,586	700	SH		DFND	0	700	0	0
Principal Financial Group, Inc.	Com	74251V102	431,161	5,496	SH		SOLE	0	5,496	0	0
Procter & Gamble Company	Com	742718109	1,830,612	11,100	SH		SOLE	0	11,100	0	0
Procter & Gamble Company	Com	742718109	148,428	900	SH		DFND	0	900	0	0
Progressive Corporation	Com	743315103	968,967	4,665	SH		SOLE	0	4,665	0	0
Public Storage	Com	74460D109	434,352	1,510	SH		SOLE	0	1,510	0	0
Quanta Services	Com	74762E102	726,443	2,859	SH		SOLE	0	2,859	0	0
Realty Income Corp com	Com	756109104	343,964	6,512	SH		SOLE	0	6,512	0	0
Regeneron Pharmaceuticals Inc	Com	75886F107	655,843	624	SH		SOLE	0	624	0	0
Regions Financial Corp	Com	7591EP100	209,538	10,456	SH		SOLE	0	10,456	0	0
Republic Services, Inc	Com	760759100	220,187	1,133	SH		SOLE	0	1,133	0	0
Ross Stores, Inc.	Com	778296103	312,874	2,153	SH		SOLE	0	2,153	0	0
salesforce.com, inc.	Com	79466L302	551,222	2,144	SH		SOLE	0	2,144	0	0
Schlumberger Ltd	Com	806857108	785,594	16,651	SH		SOLE	0	16,651	0	0
Charles Schwab Corporation	Com	808513105	665,789	9,035	SH		SOLE	0	9,035	0	0
Sempra Energy	Com	816851109	422,818	5,559	SH		SOLE	0	5,559	0	0
ServiceNow, Inc	Com	81762P102	715,870	910	SH		SOLE	0	910	0	0
Snap On Tools Corp Com	Com	833034101	462,399	1,769	SH		SOLE	0	1,769	0	0
Snap On Tools Corp Com	Com	833034101	31,367	120	SH		DFND	0	50	0	70
Southern Co	Com	842587107	300,972	3,880	SH		SOLE	0	3,880	0	0
Starbucks Corporation	Com	855244109	617,117	7,927	SH		SOLE	0	7,927	0	0
Stryker Corporation	Com	863667101	726,434	2,135	SH		SOLE	0	2,135	0	0
TJX Companies Inc	Com	872540109	447,116	4,061	SH		SOLE	0	4,061	0	0
T-Mobile US Inc	Com	872590104	366,102	2,078	SH		SOLE	0	2,078	0	0
Tesla Motors Inc	Com	88160R101	1,231,407	6,223	SH		SOLE	0	6,223	0	0
Tesla Motors Inc	Com	88160R101	29,682	150	SH		DFND	0	60	0	90
Thermo Fisher Scientific Inc.	Com	883556102	626,549	1,133	SH		SOLE	0	1,133	0	0
Tractor Supply Company	Com	892356106	785,700	2,910	SH		SOLE	0	2,910	0	0
Ulta Beauty Inc	Com	90384S303	488,126	1,265	SH		SOLE	0	1,265	0	0
Union Pacific Corporation	Com	907818108	382,832	1,692	SH		SOLE	0	1,692	0	0
United Airlines Holdings Inc	Com	910047109	250,745	5,153	SH		SOLE	0	5,153	0	0
United Parcel 'B'	Com	911312106	195,148	1,426	SH		SOLE	0	1,426	0	0
United Parcel 'B'	Com	911312106	26,002	190	SH		DFND	0	190	0	0
United Rentals Inc	Com	911363109	913,829	1,413	SH		SOLE	0	1,413	0	0
UnitedHealth Group Incorporated	Com	91324P102	1,307,270	2,567	SH		SOLE	0	2,567	0	0
Valero Energy Corporation	Com	91913Y100	775,805	4,949	SH		SOLE	0	4,949	0	0
Verizon Communications Inc.	Com	92343V104	333,632	8,090	SH		SOLE	0	8,090	0	0
Verizon Communications Inc.	Com	92343V104	23,507	570	SH		DFND	0	570	0	0
VICI Properties Inc	Com	925652109	352,931	12,323	SH		SOLE	0	12,323	0	0
Wal-Mart Stores	Com	931142103	1,804,742	26,654	SH		SOLE	0	26,654	0	0
Waste Management, Inc.	Com	94106L109	348,598	1,634	SH		SOLE	0	1,634	0	0
Wells Fargo	Com	949746101	873,211	14,703	SH		SOLE	0	14,703	0	0
Wells Fargo	Com	949746101	100,963	1,700	SH		DFND	0	1,700	0	0
Accenture Plc Class A	Com	G1151C101	249,706	823	SH		SOLE	0	823	0	0
Eaton Corporation PLC	Com	G29183103	1,103,069	3,518	SH		SOLE	0	3,518	0	0
Linde plc	Com	G54950103	328,669	749	SH		SOLE	0	749	0	0
TE Connectivity	Com	H84989104	217,823	1,448	SH		SOLE	0	1,448	0	0