SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

____________________

FORM 10-QSB

QUARTERLY REPORT UNDER SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2004
Commission File No. 333-71773

HORIZON BANCORPORATION, INC.
(Exact name of small business issuer as specified in its charter)

|Florida
(State of Incorporation) | 65-0840565
(I.R.S. Employer Identification No.)
|-------------------------------- | -----------------------------------------------

900 53rd Avenue East, Bradenton, Florida 34203(Address of Principal Executive Offices)

(941) 753-2265(Issuer's Telephone Number, Including Area Code)

N/A(Former Name, Former Address and Former Fiscal Year, if Changed Since Last Report)

Check whether the issuer (1) filed all reports required to be filed by section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the issuer was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes XNo ___

APPLICABLE ONLY TO CORPORATE ISSUERS: Indicate the number of shares outstanding of each of the issuer's classes of common equity as of the latest practicable date.

Common stock, par value $.01 per share, 1,497,099 shares issued and outstanding as of August 9, 2004.

PART I - FINANCIAL INFORMATION

Item 1. Financial Statements

Horizon Bancorporation, Inc.
Bradenton, Florida
Balance Sheets (Unaudited)

|ASSETS                                                                                                                                              | June 30,2004 | December 31,2003                                           
|--------------------------------------------------------------------------------------------------------------------------------------------------- | ------------ | -----------------------------------------------------------
|Cash and due from banks
Federal funds sold
Total cash and cash equivalents                                                                          | $            | 4,071,065
_1,393,000
5,464,065                             
|Securities: 
Securities available for sale, at fair value 
Loans, net
Property and equipment, net
Other assets
     Total Assets                    | $            | 12,873,993
89,630,752
2,015,405
__568,160
110,552,375      
|LIABILITIES AND STOCKHOLDERS' EQUITY                                                                                                               
|Liabilities:
   Non-interest bearing deposits
   Interest bearing deposits
   Total deposits
   Borrowings
Other liabilities
     Total Liabilities | $            | 8,330,16192,759,296
101,089,457
2,800,00016,660
103,906,117
|Commitments and contingencies                                                                                                                       |              |                                                            
|Stockholders' Equity:
   Common stock, $.01 par value, 25,000,000 
   shares authorized, 1,497,099 shares issued and 
   outstanding                |              | 14,971                                                     
|Paid-in-capital                                                                                                                                     |              | 8,064,669                                                  
|Retained (deficit)                                                                                                                                  |              | (1,209,983)                                                
|Accumulated other comprehensive income                                                                                                              |              | (223,399)                                                  
|Total Stockholders' Equity                                                                                                                          |              | 6,646,258                                                  
|Total Liabilities and Stockholders' Equity                                                                                                          | $            | 110,552,375                                                

Refer to notes to the consolidated financial statements.

Horizon Bancorporation, Inc.
Bradenton, Florida
Statement of Income (Unaudited)

|                                                                                                                                                                                                                                              | For the three monthsended June 30,                                     
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -----------------------------------------------------------------------
|                                                                                                                                                                                                                                              | 2004                                                                   
|Interest and fees on loans and investments                                                                                                                                                                                                    | $1,568,525                                                             
|Interest expense                                                                                                                                                                                                                              | 537,497                                                                
|Net interest income                                                                                                                                                                                                                           | $1,031,028                                                             
|Provision for loan losses                                                                                                                                                                                                                     | 65,635                                                                 
|Net interest income after provision for loan losses                                                                                                                                                                                           | $965,393                                                               
|Other income:                                                                                                                                                                                                                                 |                                                                        
|Service fees on deposit accounts                                                                                                                                                                                                              | $41,490                                                                
|Other income                                                                                                                                                                                                                                  | 10,970                                                                 
|Loss on sale of assets                                                                                                                                                                                                                        | (87,190)                                                               
|Total other income (loss)                                                                                                                                                                                                                     | $(34,730)                                                              
|Operating expenses:
  Salaries 
  Employee benefits
  Depreciation and amortization
  Data Processing
  Legal and professional
  Rent
  Regulatory assessments
  Insurance expense
  Advertising & promotional
  Miscellaneous other expenses | $275,658
82,373
45,949
68,043
79,339
26,065
15,570
13,181
22,240144,827
|Total operating expenses                                                                                                                                                                                                                      | $773,245                                                               
|Net income before taxes                                                                                                                                                                                                                       | $157,418                                                               
|Income taxes                                                                                                                                                                                                                                  | - -                                                                    
|Net income                                                                                                                                                                                                                                    | $157,418                                                               
|Basic income per share                                                                                                                                                                                                                        | $ .11                                                                  
|Diluted income per share                                                                                                                                                                                                                      | $ .10                                                                  

Refer to notes to the consolidated financial statements.

Horizon Bancorporation, Inc.
Bradenton, Florida
Statement of Income (Unaudited)

|                                                                                                                                                                                                                                              | For the six monthsended June 30,                                          
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------
|                                                                                                                                                                                                                                              | 2004                                                                      
|Interest and fees on loans and investments                                                                                                                                                                                                    | $2,981,975                                                                
|Interest expense                                                                                                                                                                                                                              | 1,034,160                                                                 
|Net interest income                                                                                                                                                                                                                           | $1,947,815                                                                
|Provision for loan losses                                                                                                                                                                                                                     | 186,179                                                                   
|Net interest income after provision for loan losses                                                                                                                                                                                           | $1,761,636                                                                
|Other income:                                                                                                                                                                                                                                 |                                                                           
|Service fees on deposit accounts                                                                                                                                                                                                              | $87,759                                                                   
|Other income                                                                                                                                                                                                                                  | 23,759                                                                    
|Loss on sale of assets                                                                                                                                                                                                                        | (102,893)                                                                 
|Total other income                                                                                                                                                                                                                            | $8,625                                                                    
|Operating expenses:
  Salaries 
  Employee benefits
  Depreciation and amortization
  Data Processing
  Legal and professional
  Rent
  Regulatory assessments
  Insurance expense
  Advertising & promotional
  Miscellaneous other expenses | $549,725
169,393
89,924
132,926
109,251
51,371
34,186
24,398
42,664302,041
|Total operating expenses                                                                                                                                                                                                                      | $1,505,879                                                                
|Net income before taxes                                                                                                                                                                                                                       | $264,382                                                                  
|Income taxes                                                                                                                                                                                                                                  | - -                                                                       
|Net income                                                                                                                                                                                                                                    | $ 264,382                                                                 
|Basic income per share                                                                                                                                                                                                                        | $ .18                                                                     
|Diluted income per share                                                                                                                                                                                                                      | $ .17                                                                     

Refer to notes to the consolidated financial statements.



HORIZON BANCORPORATION, INC.Bradenton, Florida
Consolidated Statements of Cash Flows (Unaudited)

|                                                                      | For the six monthsended June 30,
|--------------------------------------------------------------------- | --------------------------------
|                                                                      | 2004                            
|Cash flows provided by operating activities                           | $777,444                        
|Cash flows from investing activities:
  Increase in loans, net        | (16,267,779)                    
|Securities available for sale:
  Purchases
  Maturities and pay downs | (3,006,527)
810,319             
|Purchase of fixed assets                                              | (137,453)                       
|Net cash used by investing activities                                 | $(18,601,440)                   
|Cash flows from financing activities:                                 |                                 
|Issuance of stock 
  Increase in borrowings
  Increase in deposits    | $25,558800,00019,523,717        
|Net cash provided by financing activities                             | $20,349,275                     
|Net increase in cash and cash equivalents                             | $2,525,279                      
|Cash and cash equivalents, beginning of period                        | 2,938,786                       
|Cash and cash equivalents, end of period                              | $5,464,065                      

Refer to notes to the consolidated financial statements.



Horizon Bancorporation, Inc.
Bradenton, Florida
Consolidated Statements of Changes in Shareholders' Equity (Unaudited)
for the six-month periods ended June 30, 2003 and 2004



|                                                                                                   | Common Stock | Paid inCapital | RetainedEarnings | Accumulated
Other
ComprehensiveIncome |                    
|-------------------------------------------------------------------------------------------------- | ------------ | -------------- | ---------------- | ------------------------------------- | -------------------
|                                                                                                   | Shares       | Par Value      | Total           
|Balance, December 31, 2002                                                                         | 1,147,410    | $11,474        | $5,999,596       | $(1,782,633)                          | $32,806            
|Issuance of 208,033 shares through rights offering, net of selling expenses                        | 208,033      | $2,080         | $1,215,498       | - -                                   | - -                
|Comprehensive Income:Net income, six-month period ended June 30, 2003                              | - -          | - -            | - -              | 24,177                                | - -                
|Net unrealized loss on securities, six-month period ended June 30, 2003
Total comprehensive income | - -
- -      | - -
- -        | - -
- -          | - -
24,177                            | (15,274)
(15,274)  
|Balance, June 30, 2003                                                                             | 1,355,443    | $ 13,554       | $7,215,094       | $(1,758,456)                          | $17,532            
|--------------------------------------------                                                       |              |                |                  |                                       |                    
|Balance, December 31, 2003                                                                         | 1,493,448    | $14,934        | $8,039,148       | $(1,474,364)                          | $(39,477)          
|Exercise of 3,651 warrants                                                                         | 3,651        | $37            | $25,521          |                                       |                    
|Comprehensive Income:Net income, six-month period ended June 30, 2004                              | - -          | - -            | - -              | 264,382                               | - -                
|Net unrealized loss on securities, six-month period ended June 30, 2004
Total comprehensive income | - -
- -      | - -
- -        | - -
- -          | - -
264,382                           | (183,922)
(183,922)
|Balance, June 30, 2004                                                                             | 1,497,099    | $ 14,971       | $8,064,669       | $(1,209,983)                          | $(223,399)         

Refer to notes to the consolidated financial statements.



Horizon Bancorporation, Inc.
Notes to Consolidated Financial Statements (Unaudited)
June 30, 2004

Note 1 - Basis of Presentation

The accompanying financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions to Form 10-QSB. Accordingly, they do not include all the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three and six-month periods ended June 30, 2004 are not necessarily indicative of the results that may be expected for the year ending December 31, 2004. These statements should be read in conjunction with the consolidated financial statements and footnotes thereto included in Form 10-KSB for the year ended December 31, 2003.

Note 2 - Summary of Organization

Horizon Bancorporation, Inc., Bradenton, Florida (the "Company"), is a one-bank holding company which owns the outstanding capital stock of Horizon Bank, Bradenton, Florida (the "Bank"). The Company commenced banking operations on October 25, 1999 when the Bank opened for business. The Bank is primarily engaged in the business of obtaining deposits and providing commercial, consumer and real estate loans to the general public. The Bank's depositors are each insured up to $100,000 by the Federal Deposit Insurance Corporation (the "FDIC") subject to certain limitations imposed by the FDIC.

The Company is authorized to issue up to 25.0 million shares of its $.01 par value per share common stock. Each share is entitled to one vote and shareholders have no preemptive or conversion rights. As of June 30, 2004, and December 31, 2003, there were 1,497,099 shares of the Company's common stock issued and outstanding. Additionally, the Company has authorized the issuance of up to 1.0 million shares of its $.01 par value per share preferred stock. The Company's Board of Directors may, without further action by the shareholders, direct the issuance of preferred stock for any proper corporate purpose with preferences, voting powers, conversion rights, qualifications, special or relative rights and privileges which could adversely affect the voting power or other rights of shareholders of common stock. As of June 30, 2004 and December 31, 2003, there were no shares of the Company's preferred stock issued or outstanding.

Note 3 - Recent Accounting Pronouncements



In December 2003, the FASB issued a revision of FIN 46. The Revised Interpretation codifies both the proposed modifications and other decisions previously issued through certain FASB Staff Positions (FSPs) and supersedes the original Interpretation to include: (1) deferring the effective date of the Interpretation's provisions for certain variable interests, (2) providing additional scope exceptions for certain other variable interests, (3) clarifying the impact of troubled debt restructurings on the requirement to reconsider (a) whether an entity is a VIE or (b) which party is the primary beneficiary of a VIE, and (4) revising Appendix B of the Interpretation to provide additional guidance on what constitutes a variable interest. The revised Interpretation is effective for financial statements of periods ending after March 15, 2004. Adoption of the revised FIN 46 did not have an adverse effect on the Company's financial position, results of operations, or liquidity.

SFAS No. 149 "Amendment of Statement 133 on Derivative Instruments and Hedging Activities." In April 2003, the FASB issued SFAS No. 149, which amends and clarifies financial accounting and reporting for derivative instruments, including certain derivative instruments embedded in other contracts and for hedging activities under SFAS No. 133, "Accounting for Derivative Instruments and Hedging Activities," resulting in more consistent reporting of contracts as either derivatives or hybrid instruments. SFAS No. 149 is effective for contracts entered into or modified after June 30, 2003, and should be applied prospectively. Adoption of SFAS No. 149 did not have a material impact on the Company's financial position, results of operations or liquidity.

SFAS No. 150 "Accounting for Certain Financial Instruments with Characteristics of Both Liabilities and Equity." In May 2003, the FASB issued SFAS No. 150, which establishes standards for how certain financial instruments with characteristics of both liabilities and equity should be measured and classified. Certain financial instruments with characteristics of both liabilities and equity will be required to be classified as a liability. This statement is effective for financial instruments entered into or modified after May 31, 2003, and July 1, 2003 for all other financial instruments with the exception of existing mandatorily redeemable financial instruments issued by limited life subsidiaries that have been indefinitely deferred from the scope of the statements. Adoption of SFAS 150 did not have a material impact on the Company's financial position, results of operations or liquidity.





On December 11, 2003, the SEC Staff announced its intention to release a Staff Accounting Bulletin in order to clarify existing accounting practices relating to the valuation of issued loan commitments, including interest rate lock commitments, subject to Derivative Implementation Group Issue C-13, When a Loan Commitment is included in Scope of Statement 133. The new guidance is expected to require all registrants to begin accounting for these commitments subject to SFAS No. 133 as written options that would be reported as liabilities until they are exercised or expire. The provisions of this guidance are expected to be effective for loan commitments entered into after March 31, 2004. Management adopted the provisions of this guidance effective April 1, 2004 and does not anticipate that the adoption will have a materially adverse effect on the Company's financial position, results of operations or liquidity.



Item 2 - Management's Discussion and Analysis of Financial Condition and Results of Operations.

Critical accounting policies are defined as those that were reflective of significant judgments and uncertainties and could potentially result in materially different results under different assumptions and conditions. Management believes that the most critical accounting policies upon which its financial condition depends, and which involve the most complex or subjective decisions or assessments are as follows:

Allowance for Loan Losses: Arriving at an appropriate level of allowance for loan losses involves a high degree of judgment. The Company's allowance for loan losses provides for probable losses based upon evaluations of known and inherent risks in the loan portfolio. Management uses historical information to assess the adequacy of the allowance for loan losses as well as the prevailing business environment as it is affected by changing economic conditions and various external factors, which may impact the portfolio in ways currently unforeseen. The allowance is increased by provisions for loan losses and by recoveries of loans previously charge-off, and is reduced by loans charged-off. For an additional discussion of the Company's methodology of assessing the adequacy of the allowance for loan losses, see Note 2 in the Company's consolidated financial statements for the year ended December 31, 2003.

Income Taxes: The Company estimates income tax expense based on the amount it expects to owe various tax authorities. Accrued taxes represent the net estimated amount either due to or receivable from taxing authorities. In estimating accrued taxes, management assesses the relative merits and risks of the appropriate tax treatments taking into account statutory, judicial and regulatory guidance in the context of its tax position. Although the Company uses available information to record accrued income taxes, underlying estimates and assumptions can change over time as a result of unanticipated events or circumstances, such as changes in tax laws influencing the Company's overall tax position.

Overview

The Company's results of operations are largely dependent on interest income, which is the difference between interest earned on both loans and securities and interest paid on deposits and borrowings. The results of operations are also affected by the level of income/fees from loans, deposits, borrowings, as well as operating expenses, the provision for loan losses, the impact of federal and state income taxes, and the relative levels of interest rates and economic activity.

For calendar year 2004, the Company expects continued compression in the net yield on earning assets. This is due to the fact that interest rates are expected to increase in 2004 at a time when the Company is liability sensitive. Management plans to mitigate the impact of the continued compression with prudent asset growth, growth in non-interest income and expense control. Additionally, there are a number of initiatives that are expected to contribute to 2004 and beyond. These initiatives include:

- identification of future location for expansion, whether through branching or loan production offices; and
- investment in additional new business development capabilities and process improvements within the lending area.

Results of Operations

For the three-month period ended June 30, 2004, net income amounted to $157,418, or $.10 per diluted share. By comparison, net income for the three-month period ended June 30, 2003 amounted to $10,707, or $.01 per diluted share. The primary reasons for the increase in net income are as follows:

1. Net interest income increased from $690,042 for the three-month period ended June 30, 2003 to $1,031,028 for the three-month period ended June 30, 2004. This increase is due to both higher average earning assets and a higher net interest yield.
2. Non-interest income (loss) for the three-month period ended June 30, 2004 was $(34,730). Non-interest income for the three-month period ended June 30, 2003 amounted to $62,758. The reasons for the deterioration in non-interest income are two-fold: (i) pricing on deposit products has become more competitive as the Bank is attempting to increase deposits in a significant manner; and (ii) loss on sale or settlement of assets has increased by approximately $68,000, from $19,000 for the three-month period ended June 30, 2003 to $87,000 for the three-month period ended June 30, 2004.
3. Non-interest expense increased from $684,017 for the three-month period ended June 30, 2003 to $773,245 for the three-month period ended June 30, 2004. The majority of the above increase is due to the expanding asset-base.
4. Provision for loan losses for the three-month period ended June 30, 2004 and 2003 were $65,635 and $58,076, respectively. The increase in the provision is due to higher loan balances.

Net income for the six-month period ended June 30, 2004 amounted to $264,382, or $.17 per diluted share. By comparison, for the six-month period ended June 30, 2003, net income amounted to $24,177, or $.02 per diluted share. Below is a brief discussion concerning the Company's operational results for the six-month period ended June 30, 2004 as compared to the six-month period ended June 30, 2003.

a.	Interest income, which represents interest received on interest earning assets, increased from $2,334,997 for the six-month period ended June 30, 2003 to $2,981,975 for the six-month period ended June 30, 2004, an increase of $646,978. The cost of funds, which represents interest paid on deposits and borrowings, increased from $937,586 for the six-month period ended June 30, 2003 to $1,034,160 for the six-month period ended June 30, 2004, an increase of $96,574. The material increase in interest income combined with a moderate increase in interest expense resulted in an increase in the net interest income from $1,397,411 for the six-month period ended June 30, 2003 to $1,947,815 for the six-month period ended June 30, 2004; this represents an increase of $550,404, or 39.4%.

Net interest yield, defined as net interest income divided by average interest earning assets, increased from 3.95% during the six-month period ended June 30, 2003 to 4.13% during the six-month period ended June 30, 2004. This increase is due to management's efforts to expand margins. Below is pertinent information concerning the yield on earning assets and the cost of funds for the six-month period ended June 30, 2004.

(Dollars in '000s)

|Description                 | Avg. Assets/Liabilities | InterestIncome/Expense | Yield/Cost
|--------------------------- | ----------------------- | ---------------------- | ----------
|Federal funds               | $ 1,125                 | $ 5                    | .89%      
|Securities                  | 11,252                  | 267                    | 4.75%     
|Loans                       | 81,926                  | 2,710                  | 6.62%     
|Total                       | $94,303                 | $2,982                 | 6.32%     
|Borrowings                  | $ 2,435                 | $ 16                   | 1.31%     
|Transactional accounts      | 23,367                  | 146                    | 1.25%     
|Savings                     | 5,094                   | 30                     | 1.18%     
|CD's                        | 55,224                  | 842                    | 3.05%     
|Total                       | $86,120                 | $ 1,034                | 2.40%     
|Net interest income         |                         | $1,948                 |           
|Net yield on earning assets |                         | 4.13%                 

b.	For the six-month period ended June 30, 2004, non-interest income amounted to $8,625, or .02% of average assets. By comparison, non-interest income for the six-month period ended June 30, 2003 amounted to $100,259, or .26% of average assets. If one discounts the loss on sale/settlement of assets, because of their non-recurring nature, non-interest income for the six-month period ended June 30, 2004 would have increased to $111,518, or .22% of average assets. This result is below peer averages because the Bank is in a growth mode, and in an effort to maintain its growth in deposits, it aggressively prices its fees and charges on deposits.

c.	For the six-month period ended June 30, 2004, non-interest expense amounted to $1,505,879, or 2.98% of average assets. By comparison, for the six-month period ended June 30, 2003, non-interest expense amounted to $1,371,168, or 3.56% of average assets. This decrease (on a percentage basis) is primarily due to the improvement in operational efficiencies.

During the six-month period ended June 30, 2004, the allowance for loan losses increased by $150,000, to $850,000. The allowance for loan losses, as a percent of gross loans, remained constant at .94% at December 31, 2003 and June 30, 2004. Management considers the allowance for loan losses to be adequate and sufficient to absorb possible future losses; however, there can be no assurance that charge-offs in future periods will not exceed the allowance for loan losses or that additional provisions to the allowance will not be required.

Liquidity and Sources of Capital

Total assets increased by $20.4 million to $110.6 million during the six-month period ended June 30, 2004. More specifically, cash and cash equivalents increased by $2.5 million to $5.5 million; securities increased by $2.0 million to $12.9 million; loans increased by $16.1 million to $89.6 million; and all other assets decreased by $.2 million to $2.6 million. To fund the $20.4 million increase in assets, deposits were increased by $19.5 million to $101.1 million; borrowings and other liabilities increased by $.7 million to $2.8 million; and the capital accounts increased by $.2 million to $6.6 million.

Liquidity is the Company's ability to meet all deposit withdrawals immediately, while also providing for the credit needs of customers. The June 30, 2004 financial statements evidence a satisfactory liquidity position as total cash and cash equivalents amounted to $5.5 million, representing 4.9% of total assets. Investment securities, which amounted to $12.9 million or 11.6% of total assets, provide a secondary source of liquidity because they can be converted into cash in a timely manner. The Bank is a member of the Federal Reserve System and maintains relationships with several correspondent banks and, thus, could obtain funds from those banks on short notice. The Company's management closely monitors and maintains appropriate levels of interest earning assets and interest bearing liabilities, so that maturities of assets can provide adequate funds to meet customer withdrawals and loan demand. The Company knows of no trends, demands, commitments, events or uncertainties that will result in or are reasonably likely to result in its liquidity increasing or decreasing in any material way. The Bank maintains an adequate level of capitalization as measured by the following capital ratios and the respective minimum capital:

|                                   | Bank'sJune 30, 2004 | Minimum RegulatoryRequirement
|---------------------------------- | ------------------- | -----------------------------
|Leverage ratio
Risk weighted ratio | 7.1%
10.2%          | 4.0%
8.0%                    

With respect to the leverage ratio, the regulators expect a minimum of 5.0% to 6.0% ratio for banks that are not rated CAMELS 1. The Bank's leverage ratio of 7.1% and risk weighted ratio of 10.2% are above the required minimum for "adequately capitalized" banks.

The Company is not aware of any current recommendation by the regulatory authorities which, if implemented, would have a material effect on the Company's liquidity, capital resources, or results of operations.

The Company cautions readers of this report that any forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the Company to be materially different from those expressed or implied by such forward-looking statements. Although the Company's management believes that its expectations of future performance are based on reasonable assumptions within the bounds of its knowledge of the Company's business and operations, there can be no assurance that actual results will not differ materially from their expectations.

Item 3 - Controls and Procedures

Based on an evaluation of the Company's disclosure controls and procedures performed by the Company's management within 90 days of the filing date of this report, the Company's Chief Executive Officer and Chief Financial Officer believe that the Company has appropriate disclosure controls and procedures to ensure that information required to be disclosed by the Company in its periodic reports is recorded, processed, summarized and reported within the time periods specified in the rules and forms of the Securities and Exchange Commission.

Since the date of such evaluation, there have been no significant changes in the Company's internal controls or in other factors that could significantly affect these controls, including any corrective actions with regard to significant deficiencies and material weaknesses.

PART II - OTHER INFORMATION

|Item 1.           | Legal Proceedings.                                                                                                                                                                                                                                                                                     
|----------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|                  | There are no material pending legal proceedings to which the Company or the Bank is a party, or of which any of their property is the subject.                                                                                                                                                         
|Item 2.           | Changes in Securities.                                                                                                                                                                                                                                                                                 
|(a)
(b)           | None.
None.                                                                                                                                                                                                                                                                                            
|Item 3.           | Defaults Upon Senior Securities.                                                                                                                                                                                                                                                                       
|                  | None.                                                                                                                                                                                                                                                                                                  
|Item 4.           | Submission of Matters to a Vote of Security Holders.                                                                                                                                                                                                                                                   
|                  | The 2004 Annual Meeting of Shareholders of the Company was held on May 20, 2004. The following table sets forth the name of each individual elected at the 2004 Annual Meeting to serve a three-year term as a Class II director, and the results of voting with respect to each director.             
|                  |                                                                                                                                                                                                                                                                                                        
|                  | Thomas C. Bennett                                                                                                                                                                                                                                                                                      
|C. Donald Miller  | 1,090,197                                                                                                                                                                                                                                                                                              
|Clarence R. Urban | 1,090,197                                                                                                                                                                                                                                                                                              
|                  | No other matters were presented or voted on at the Annual Meeting.                                                                                                                                                                                                                                     
|                  | The following persons did not stand for reelection at the 2004 Annual Meeting of Shareholders as their term of office continued after the Annual Meeting: David K. Scherer, Elizabeth Thompson, Marry Ann P. Turner, Charles S. Conoley, Michael S. Glasgow, Barclay Kirkland and Bruce E. Shackelford.
|Item 5.           | Other Information.                                                                                                                                                                                                                                                                                     
|                  | None.                                                                                                                                                                                                                                                                                                  
|Item 6.           | Exhibits and Reports on Form 8-K.                                                                                                                                                                                                                                                                      
|                  | A. Exhibits:                                                                                                                                                                                                                                                                                           
|                  | 31.1 - Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.                                                                                                                                                                                             
|                  | 31.2 - Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.                                                                                                                                                                                             
|                  | 32.1 - Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350 as adopted by Section 906 of the Sarbanes-Oxley Act of 2002.                                                                                                                                                        
|                  | 32.2 - Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350 as adopted by Section 906 of the Sarbanes-Oxley Act of 2002.                                                                                                                                                        
|                  | B. Reports on Form 8-K:                                                                                                                                                                                                                                                                                
|                  | There were no reports on Form 8-K filed during the quarter ended June 30, 2004.                                                                                                                                                                                                                        

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 thereunto duly authorized.

|                     | HORIZON BANCORPORATION, INC.
(Registrant)
By: /S/ Charles S. Conoley
	Charles S. Conoley
	President and Chief Executive Officer
	(Principal Executive Officer)
|-------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------
|                     | By: /S/ James J. Bazata	James J. Bazata
	Senior Vice President and Chief
	Financial Officer (Principal Financial
	and Accounting Officer)                     
|Date: August 9, 2004 |