UNITED STATES
                       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


                                 APRIL 22, 2002
                Date of Report (Date of Earliest Event Reported)


                            AMES NATIONAL CORPORATION
             (Exact Name of Registrant as Specified in its Charter)


          IOWA                           0-32637                 42-1039071
 (State or Other Jurisdiction of  (Commission File Number)   (I.R.S. Employer
  Incorporation or Organization)                             Identification No.)


                                405 FIFTH STREET
                                AMES, IOWA 50010
                    (Address of Principal Executive Offices)


       Registrant's Telephone Number, Including Area Code: (515) 232-6251


                                 NOT APPLICABLE
(Former  Name,  Former  Address and Former  Fiscal Year,  if Changed  Since Last
Report)



Item 7.  Financial Statements and Exhibits

         The following exhibit is filed as part of this Report:

                 Exhibit No.                       Description
                 -----------                       -----------

                     99.1                  News Release dated April 22, 2002



Item 9.  Regulation FD Disclosure

     On  April  22,  2002,  Ames  National  Corporation  issued  a News  Release
announcing its earnings for the three month period ending March 31, 2002. A copy
of the News Release is attached hereto as Exhibit 99.1.



                                   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.

                                        AMES NATIONAL CORPORATION


Date:  April 22, 2002                   By:   /s/ Daniel L. Krieger
                                              ------------------------
                                        Name:  Daniel L. Krieger
                                        Title: President