Exhibit 23.1



                  INDEPENDENT AUDITOR'S CONSENT


The Board of Directors and Stockholders
Heartland Financial USA, Inc.

We consent to incorporation by reference in the Registration
Statement on Form S-8 for the Heartland Financial USA, Inc. 2001
Director Short-term Stock Incentive Plan of our report dated on
January 19, 2001, relating to the consolidated balance sheets of
Heartland Financial USA, Inc. and subsidiaries as of December 31,
2000 and 1999, and the related consolidated statements of income,
changes in stockholders' equity and comprehensive income, and
cash flows for each of the years in the three-year period ended
December 31, 2000 which report appears in the December 31, 2000
annual report on Form 10-K of Heartland Financial USA, Inc. and
subsidiaries.


KPMG LLP

Des Moines, Iowa
October 23, 2001