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
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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	291,686	2,609	SH		SOLE	0	2,609	0	0
Aflac Inc	Com	001055102	71,552	640	SH		DFND	0	340	0	300
AES Corp	Com	00130H105	238,814	11,905	SH		SOLE	0	11,905	0	0
AT&T Inc	Com	00206R102	501,270	22,785	SH		SOLE	0	22,785	0	0
Abbott Laboratories	Com	002824100	477,702	4,190	SH		SOLE	0	4,190	0	0
Abbott Laboratories	Com	002824100	91,208	800	SH		DFND	0	800	0	0
AbbVie Inc	Com	00287Y109	1,536,394	7,780	SH		SOLE	0	7,780	0	0
AbbVie Inc	Com	00287Y109	157,984	800	SH		DFND	0	800	0	0
Adobe Inc.	Com	00724F101	485,678	938	SH		SOLE	0	938	0	0
Advanced Micro Devices	Com	007903107	1,187,939	7,240	SH		SOLE	0	7,240	0	0
Air Products and Chemicals, Inc.	Com	009158106	422,195	1,418	SH		SOLE	0	1,418	0	0
Alliant Energy Corporation	Com	018802108	276,746	4,560	SH		SOLE	0	4,560	0	0
Alphabet Inc., 'C'	Com	02079K107	192,603	1,152	SH		SOLE	0	1,152	0	0
Alphabet Inc., 'C'	Com	02079K107	167,190	1,000	SH		DFND	0	1,000	0	0
Alphabet Inc. Class A	Com	02079K305	6,518,403	39,303	SH		SOLE	0	39,303	0	0
Alphabet Inc. Class A	Com	02079K305	165,850	1,000	SH		DFND	0	1,000	0	0
Amazon.com, Inc.	Com	023135106	4,439,685	23,827	SH		SOLE	0	23,827	0	0
Amazon.com, Inc.	Com	023135106	145,337	780	SH		DFND	0	780	0	0
American Electric Power Inc	Com	025537101	443,129	4,319	SH		SOLE	0	4,319	0	0
American Express	Com	025816109	230,520	850	SH		SOLE	0	850	0	0
American Express	Com	025816109	101,700	375	SH		DFND	0	375	0	0
Ameriprise Financial	Com	03076C106	1,169,357	2,489	SH		SOLE	0	2,489	0	0
Ameriprise Financial	Com	03076C106	93,962	200	SH		DFND	0	100	0	100
Amphenol Corp Class A	Com	032095101	474,234	7,278	SH		SOLE	0	7,278	0	0
Elevance Health, Inc.	Com	036752103	386,360	743	SH		SOLE	0	743	0	0
Apple Inc.	Com	037833100	11,495,987	49,339	SH		SOLE	0	49,339	0	0
Apple Inc.	Com	037833100	391,440	1,680	SH		DFND	0	1,680	0	0
Applied Materials	Com	038222105	329,342	1,630	SH		SOLE	0	1,630	0	0
Arista Networks, Inc.	Com	040413106	1,130,350	2,945	SH		SOLE	0	2,945	0	0
Automatic Data Processing, Inc.	Com	053015103	883,322	3,192	SH		SOLE	0	3,192	0	0
Automatic Data Processing, Inc.	Com	053015103	262,894	950	SH		DFND	0	950	0	0
iPath Bloomberg Commodity Index Total Return	Com	06738C778	13,698,099	424,879	SH		SOLE	0	424,551	0	328
iPath Bloomberg Commodity Index Total Return	Com	06738C778	8,802	273	SH		DFND	0	273	0	0
Berkshire Hathaway Inc. Class B	Com	084670702	1,135,922	2,468	SH		SOLE	0	2,468	0	0
Berkshire Hathaway Inc. Class B	Com	084670702	548,170	1,191	SH		DFND	0	1,191	0	0
BlackRock, Inc.	Com	09247X101	213,640	225	SH		SOLE	0	225	0	0
Boston Scientific Corp	Com	101137107	832,804	9,938	SH		SOLE	0	9,938	0	0
Broadcom Inc.	Com	11135F101	2,906,625	16,850	SH		SOLE	0	16,850	0	0
CBOE Global Mkts Inc	Com	12503M108	816,407	3,985	SH		SOLE	0	3,985	0	0
CBRE Group, Inc. Class A	Com	12504L109	245,848	1,975	SH		SOLE	0	1,975	0	0
CF Industries Holdings, Inc	Com	125269100	215,101	2,507	SH		SOLE	0	2,507	0	0
The Cigna Group	Com	125523100	572,665	1,653	SH		SOLE	0	1,653	0	0
The Cigna Group	Com	125523100	4,850	14	SH		DFND	0	14	0	0
Caterpillar Inc	Com	149123101	1,073,624	2,745	SH		SOLE	0	2,745	0	0
CenterPoint Energy Inc	Com	15189T107	317,206	10,782	SH		SOLE	0	10,782	0	0
Chevron Corporation	Com	166764100	697,029	4,733	SH		SOLE	0	4,733	0	0
Chevron Corporation	Com	166764100	169,950	1,154	SH		DFND	0	741	0	413
Chipotle Mexican Grill, Inc.	Com	169656105	791,065	13,729	SH		SOLE	0	13,729	0	0
Cintas Corporation	Com	172908105	337,231	1,638	SH		SOLE	0	1,638	0	0
Coca-Cola Co	Com	191216100	587,456	8,175	SH		SOLE	0	8,175	0	0
Commerce Bancshares Inc	Com	200525103	251,262	4,230	SH		SOLE	0	4,230	0	0
Commerce Bancshares Inc	Com	200525103	37,600	633	SH		DFND	0	258	0	375
ConocoPhillips	Com	20825C104	306,891	2,915	SH		SOLE	0	2,915	0	0
Constellation Energy Corporation	Com	21037T109	965,454	3,713	SH		SOLE	0	3,713	0	0
Costco Wholesale Corporation	Com	22160K105	962,761	1,086	SH		SOLE	0	1,086	0	0
Cummins Inc.	Com	231021106	648,228	2,002	SH		SOLE	0	2,002	0	0
Cummins Inc.	Com	231021106	38,855	120	SH		DFND	0	70	0	50
Danaher Corporation	Com	235851102	900,507	3,239	SH		SOLE	0	3,239	0	0
Deere & Co	Com	244199105	689,846	1,653	SH		SOLE	0	1,653	0	0
Diamondback Energy, Inc.	Com	25278X109	264,289	1,533	SH		SOLE	0	1,533	0	0
Equinix, Inc.	Com	29444U700	247,649	279	SH		SOLE	0	279	0	0
Exelon Corp	Com	30161N101	370,951	9,148	SH		SOLE	0	9,148	0	0
Exxon Mobil Corporation	Com	30231G102	1,962,966	16,746	SH		SOLE	0	16,746	0	0
Exxon Mobil Corporation	Com	30231G102	198,102	1,690	SH		DFND	0	1,375	0	315
Meta Platforms, Inc.	Com	30303M102	3,632,704	6,346	SH		SOLE	0	6,346	0	0
Fair Isaac Inc	Com	303250104	769,634	396	SH		SOLE	0	396	0	0
Fox Corporation Class B	Com	35137L204	652,267	16,811	SH		SOLE	0	16,811	0	0
Freeport-McMoRan, Inc	Com	35671D857	535,791	10,733	SH		SOLE	0	10,733	0	0
Gallagher, Arthur J. & CO.	Com	363576109	744,224	2,645	SH		SOLE	0	2,645	0	0
General Dynamics Corporation	Com	369550108	643,384	2,129	SH		SOLE	0	2,129	0	0
General Dynamics Corporation	Com	369550108	120,880	400	SH		DFND	0	400	0	0
General Mills	Com	370334104	552,841	7,486	SH		SOLE	0	7,486	0	0
Globe Life Inc	Com	37959E102	356,811	3,369	SH		SOLE	0	3,369	0	0
Grainger (W.W.)	Com	384802104	780,146	751	SH		SOLE	0	751	0	0
HBT Financial, Inc.	Com	404111106	1,896,996	86,700	SH		SOLE	0	0	0	86,700
HCA Healthcare	Com	40412C101	254,425	626	SH		SOLE	0	626	0	0
Hershey Company	Com	427866108	359,971	1,877	SH		SOLE	0	1,877	0	0
Home Depot, Inc.	Com	437076102	1,214,790	2,998	SH		SOLE	0	2,998	0	0
Home Depot, Inc.	Com	437076102	243,120	600	SH		DFND	0	600	0	0
Host Hotels and Resorts Inc	Com	44107P104	347,178	19,726	SH		SOLE	0	19,726	0	0
Hunt (J.B.) Transport	Com	445658107	235,575	1,367	SH		SOLE	0	1,367	0	0
Huntington Bancshares	Com	446150104	466,784	31,754	SH		SOLE	0	31,754	0	0
IDEX Corp	Com	45167R104	354,569	1,653	SH		SOLE	0	1,653	0	0
Ingersoll Rand Inc	Com	45687V106	811,096	8,263	SH		SOLE	0	8,263	0	0
International Business Machines	Com	459200101	912,176	4,126	SH		SOLE	0	4,126	0	0
Intuit Inc.	Com	461202103	465,129	749	SH		SOLE	0	749	0	0
Intuitive Surgical, Inc.	Com	46120E602	1,062,126	2,162	SH		SOLE	0	2,162	0	0
IQVIA Holdings Inc	Com	46266C105	275,359	1,162	SH		SOLE	0	1,162	0	0
Iron Mountain Inc	Com	46284V101	933,528	7,856	SH		SOLE	0	7,856	0	0
Iron Mountain Inc	Com	46284V101	65,357	550	SH		DFND	0	220	0	330
iShares Global Infrastructure ETF	Com	464288372	15,790,796	290,112	SH		SOLE	0	289,895	0	217
iShares Global Infrastructure ETF	Com	464288372	9,797	180	SH		DFND	0	180	0	0
iShares Short Treasury Bond ETF	Com	464288679	5,169,851	46,731	SH		SOLE	0	46,731	0	0
iShares S&P Commodity ETF	Com	46428R107	217,833	10,373	SH		SOLE	0	10,373	0	0
iShares iBonds Dec 2025 Term Corporate ETF	Com	46434VBD1	718,588	28,629	SH		SOLE	0	28,629	0	0
iShares iBonds Dec 2024 Term Corporate ETF	Com	46434VBG4	511,158	20,276	SH		SOLE	0	20,276	0	0
iShares iBonds Dec 2026 Term Corporate ETF	Com	46435GAA0	999,313	41,124	SH		SOLE	0	41,124	0	0
iShares iBonds Dec 2028 Term Corporate ETF	Com	46435U515	245,879	9,631	SH		SOLE	0	9,631	0	0
iShares iBonds Dec 2027 Term Corporate ETF	Com	46435UAA9	1,124,115	46,127	SH		SOLE	0	46,127	0	0
iShares iBonds Dec 2028 Term Treasury ETF	Com	46436E833	269,252	11,964	SH		SOLE	0	11,964	0	0
iShares iBonds Dec 2027 Term Treasury ETF	Com	46436E841	268,044	11,842	SH		SOLE	0	11,842	0	0
iShares iBonds Dec 2026 Term Treasury ETF	Com	46436E858	266,539	11,556	SH		SOLE	0	11,556	0	0
JPMorgan Chase Co.	Com	46625H100	3,885,939	18,429	SH		SOLE	0	18,429	0	0
JPMorgan Chase Co.	Com	46625H100	124,407	590	SH		DFND	0	490	0	100
Johnson & Johnson	Com	478160104	1,176,718	7,261	SH		SOLE	0	7,261	0	0
Johnson & Johnson	Com	478160104	307,428	1,897	SH		DFND	0	1,897	0	0
KLA Corporation	Com	482480100	823,972	1,064	SH		SOLE	0	1,064	0	0
Las Vegas Sands Corp	Com	517834107	222,150	4,413	SH		SOLE	0	4,413	0	0
Lennar Corp.	Com	526057104	431,204	2,300	SH		SOLE	0	2,300	0	0
Eli Lilly and Co	Com	532457108	4,164,804	4,701	SH		SOLE	0	4,701	0	0
MSCI Inc	Com	55354G100	816,102	1,400	SH		SOLE	0	1,400	0	0
Marathon Petroleum Corp	Com	56585A102	320,933	1,970	SH		SOLE	0	1,970	0	0
MarketAxess Holdings Inc.	Com	57060D108	556,210	2,171	SH		SOLE	0	2,171	0	0
Martin Marietta Materials Inc	Com	573284106	423,065	786	SH		SOLE	0	786	0	0
MasterCard Inc. Class A	Com	57636Q104	2,554,427	5,173	SH		SOLE	0	5,173	0	0
McDonald's Corp	Com	580135101	497,874	1,635	SH		SOLE	0	1,635	0	0
McDonald's Corp	Com	580135101	106,579	350	SH		DFND	0	350	0	0
McKesson Corp	Com	58155Q103	440,034	890	SH		SOLE	0	890	0	0
Merck & Co., Inc.	Com	58933Y105	1,005,914	8,858	SH		SOLE	0	8,858	0	0
Microsoft Corporation	Com	594918104	9,621,508	22,360	SH		SOLE	0	22,360	0	0
Microsoft Corporation	Com	594918104	595,535	1,384	SH		DFND	0	1,384	0	0
Micron Tech Inc	Com	595112103	204,620	1,973	SH		SOLE	0	1,973	0	0
Mondelez International 'A'	Com	609207105	630,026	8,552	SH		SOLE	0	8,552	0	0
Monolithic Power Systems Inc	Com	609839105	487,212	527	SH		SOLE	0	527	0	0
Monster Beverage Corporation	Com	61174X109	447,045	8,569	SH		SOLE	0	8,569	0	0
Morningstar	Com	617700109	360,606	1,130	SH		DFND	0	1,130	0	0
NetApp Inc	Com	64110D104	1,015,252	8,220	SH		SOLE	0	8,220	0	0
Netflix Inc	Com	64110L106	1,223,491	1,725	SH		SOLE	0	1,725	0	0
NextEra Energy, Inc.	Com	65339F101	281,400	3,329	SH		SOLE	0	3,329	0	0
NIKE, Inc. Class B	Com	654106103	278,372	3,149	SH		SOLE	0	3,149	0	0
Nucor Corp	Com	670346105	370,137	2,462	SH		SOLE	0	2,462	0	0
NVIDIA Corporation	Com	67066G104	8,980,974	73,954	SH		SOLE	0	73,954	0	0
Old Dominion Freight Line, Inc	Com	679580100	607,242	3,057	SH		SOLE	0	3,057	0	0
Oracle Corp	Com	68389X105	152,849	897	SH		SOLE	0	897	0	0
Oracle Corp	Com	68389X105	136,320	800	SH		DFND	0	800	0	0
Paccar Inc	Com	693718108	693,227	7,025	SH		SOLE	0	7,025	0	0
Palo Alto Networks Inc	Com	697435105	748,542	2,190	SH		SOLE	0	2,190	0	0
Paycom Software Inc	Com	70432V102	251,521	1,510	SH		SOLE	0	1,510	0	0
Pepsico Inc	Com	713448108	838,006	4,928	SH		SOLE	0	4,928	0	0
Pepsico Inc	Com	713448108	148,794	875	SH		DFND	0	875	0	0
Pfizer Inc	Com	717081103	647,330	22,368	SH		SOLE	0	22,368	0	0
Pfizer Inc	Com	717081103	20,258	700	SH		DFND	0	700	0	0
Principal Financial Group, Inc.	Com	74251V102	440,839	5,132	SH		SOLE	0	5,132	0	0
Procter & Gamble Company	Com	742718109	1,886,494	10,892	SH		SOLE	0	10,892	0	0
Procter & Gamble Company	Com	742718109	155,880	900	SH		DFND	0	900	0	0
Progressive Corporation	Com	743315103	1,143,696	4,507	SH		SOLE	0	4,507	0	0
Public Storage	Com	74460D109	530,886	1,459	SH		SOLE	0	1,459	0	0
Quanta Services	Com	74762E102	830,646	2,786	SH		SOLE	0	2,786	0	0
Realty Income Corp com	Com	756109104	397,580	6,269	SH		SOLE	0	6,269	0	0
Regeneron Pharmaceuticals Inc	Com	75886F107	639,154	608	SH		SOLE	0	608	0	0
Regions Financial Corp	Com	7591EP100	273,894	11,740	SH		SOLE	0	11,740	0	0
Republic Services, Inc	Com	760759100	219,116	1,091	SH		SOLE	0	1,091	0	0
Ross Stores, Inc.	Com	778296103	312,459	2,076	SH		SOLE	0	2,076	0	0
salesforce.com, inc.	Com	79466L302	551,252	2,014	SH		SOLE	0	2,014	0	0
Schlumberger Ltd	Com	806857108	672,668	16,035	SH		SOLE	0	16,035	0	0
Charles Schwab Corporation	Com	808513105	545,765	8,421	SH		SOLE	0	8,421	0	0
Sempra Energy	Com	816851109	448,424	5,362	SH		SOLE	0	5,362	0	0
ServiceNow, Inc	Com	81762P102	779,908	872	SH		SOLE	0	872	0	0
Snap On Tools Corp Com	Com	833034101	494,535	1,707	SH		SOLE	0	1,707	0	0
Snap On Tools Corp Com	Com	833034101	34,765	120	SH		DFND	0	50	0	70
Southern Co	Com	842587107	351,251	3,895	SH		SOLE	0	3,895	0	0
Starbucks Corporation	Com	855244109	746,286	7,655	SH		SOLE	0	7,655	0	0
Stryker Corporation	Com	863667101	746,002	2,065	SH		SOLE	0	2,065	0	0
TJX Companies Inc	Com	872540109	462,637	3,936	SH		SOLE	0	3,936	0	0
T-Mobile US Inc	Com	872590104	414,784	2,010	SH		SOLE	0	2,010	0	0
Tesla Motors Inc	Com	88160R101	1,592,542	6,087	SH		SOLE	0	6,087	0	0
Tesla Motors Inc	Com	88160R101	39,245	150	SH		DFND	0	60	0	90
Thermo Fisher Scientific Inc.	Com	883556102	674,860	1,091	SH		SOLE	0	1,091	0	0
Tractor Supply Company	Com	892356106	816,350	2,806	SH		SOLE	0	2,806	0	0
Ulta Beauty Inc	Com	90384S303	473,170	1,216	SH		SOLE	0	1,216	0	0
Union Pacific Corporation	Com	907818108	407,185	1,652	SH		SOLE	0	1,652	0	0
United Airlines Holdings Inc	Com	910047109	283,246	4,964	SH		SOLE	0	4,964	0	0
United Parcel 'B'	Com	911312106	183,105	1,343	SH		SOLE	0	1,343	0	0
United Parcel 'B'	Com	911312106	25,905	190	SH		DFND	0	190	0	0
United Rentals Inc	Com	911363109	1,103,662	1,363	SH		SOLE	0	1,363	0	0
UnitedHealth Group Incorporated	Com	91324P102	1,561,096	2,670	SH		SOLE	0	2,670	0	0
Valero Energy Corporation	Com	91913Y100	644,633	4,774	SH		SOLE	0	4,774	0	0
Verizon Communications Inc.	Com	92343V104	373,696	8,321	SH		SOLE	0	8,321	0	0
Verizon Communications Inc.	Com	92343V104	25,599	570	SH		DFND	0	570	0	0
VICI Properties Inc	Com	925652109	382,699	11,489	SH		SOLE	0	11,489	0	0
Wal-Mart Stores	Com	931142103	1,979,586	24,515	SH		SOLE	0	24,515	0	0
Waste Management, Inc.	Com	94106L109	330,914	1,594	SH		SOLE	0	1,594	0	0
Wells Fargo	Com	949746101	819,500	14,507	SH		SOLE	0	14,507	0	0
Wells Fargo	Com	949746101	96,033	1,700	SH		DFND	0	1,700	0	0
Accenture Plc Class A	Com	G1151C101	278,189	787	SH		SOLE	0	787	0	0
Eaton Corporation PLC	Com	G29183103	1,136,839	3,430	SH		SOLE	0	3,430	0	0
Linde plc	Com	G54950103	349,538	733	SH		SOLE	0	733	0	0