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Ed Everts joined Dubuque Bank and Trust in 1992 as Senior Vice President of Operations and Retail Banking bringing with him 15 years of banking experience. In 1996 Everts was appointed Senior Vice President of Operations/Retail Banking with Heartland Financial USA, Inc. Prior to joining DB&T Ed was with First Bank System from 1977-1992. He was formerly Vice President and Lead Retail Banking Manager for First Bank, Duluth, and has also served as Vice President and Cashier of First Bank, Minot. He brings to Heartland his vast knowledge of bank operations and retail banking experience, and served as an AIB instructor from 1980-1992 and has served on the AIB�s Senior Management Advisory Board 1985-1992. Everts graduated in 1973 from University of Nebraska with a BS degree in mathematics and is a Certified Financial Planner. | 