Exhibit 99.2


                  CERTIFICATION PURSUANT TO
                   18 U.S.C. SECTION 1350,
                   AS ADOPTED PURSUANT TO
        SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In   connection  with  the  Quarterly  Report  of  Heartland
Financial  USA, Inc. (the "Company") on Form  10-Q  for  the
period ending June 30, 2002 as filed with the Securities and
Exchange  Commission on the date hereof  (the  "Report),  I,
John  K.  Schmidt, Chief Financial Officer of  the  Company,
certify,  pursuant to 18 U.S.C. subsection 1350, as  adopted
pursuant  to  subsection 906 of the  Sarbanes-Oxley  Act  of
2002, that:

      (1) The Report fully complies with the requirements of
section  13(a)  or 15(d) of the Securities Exchange  Act  of
1934; and

     (2)  The  information contained in  the  Report  fairly
presents,  in all material respects, the financial condition
and result of operations of the Company.


/s/ John K. Schmidt
______________________________
John K. Schmidt
Chief Financial Officer
August 14, 2002