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 March 31, 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, 1,493,448 shares issued and outstanding as of May 7, 2004.

PART I - FINANCIAL INFORMATION

Item 1. Financial Statements

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

|ASSETS                                                                                                                                          | March 31,2004                                               | December 31,2003                                          
|----------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------- | ----------------------------------------------------------
|Cash and due from banks
Federal funds sold
Total cash and cash equivalents                                                                      | $4,555,536
_835,000
5,390,536                               | $2,938,786
_- -
2,938,786                                 
|Securities: 
Securities available for sale, at fair value 
Loans, net
Property and equipment, net
Other assets
       Total Assets              | 10,724,371
82,223,339
2,050,459
__713,577
$101,102,282      | 10,878,814
73,549,152
1,967,821
__866,338
$90,200,911     
|LIABILITIES AND STOCKHOLDERS' EQUITY                                                                                                           
|Liabilities:
   Non-interest bearing deposi
   Interest bearing deposits
   Total deposits
   Borrowings
Other liabilities
   Total Liabilities | $9,999,86083,298,227
93,298,087
1,000,000115,739
94,413,826 | $7,408,89374,156,847
81,565,740
2,000,00094,930
83,660,670
|Commitments and contingencies                                                                                                                   |                                                             |                                                           
|Stockholders' Equity:
     Common stock, $.01 par value, 25,000,000 
     shares authorized, 1,493,448 shares issued and 
     outstanding      | 14,934                                                      | 14,934                                                    
|Paid-in-capital                                                                                                                                 | 8,039,148                                                   | 8,039,148                                                 
|Retained (deficit)                                                                                                                              | (1,367,400)                                                 | (1,474,364)                                               
|Accumulated other comprehensive income                                                                                                          | 1,774                                                       | (39,477)                                                  
|Total Stockholders' Equity                                                                                                                      | 6,688,456                                                   | 6,540,241                                                 
|Total Liabilities and Stockholders' Equity                                                                                                      | $101,102,282                                                | $90,200,911                                               

Refer to notes to the consolidated financial statements.

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

|                                                                                                                                                                                                                                              | For the three monthsended March 31,                                    
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -----------------------------------------------------------------------
|                                                                                                                                                                                                                                              | 2004                                                                   
|Interest and fees on loans and investments                                                                                                                                                                                                    | $1,413,450                                                             
|Interest expense                                                                                                                                                                                                                              | 496,663                                                                
|Net interest income                                                                                                                                                                                                                           | $916,787                                                               
|Provision for loan losses                                                                                                                                                                                                                     | 120,544                                                                
|Net interest income after provision for loan losses                                                                                                                                                                                           | $796,243                                                               
|Other income:                                                                                                                                                                                                                                 |                                                                        
|Service fees on deposit accounts                                                                                                                                                                                                              | $46,269                                                                
|Other income                                                                                                                                                                                                                                  | 12,789                                                                 
|Loss on sale of assets                                                                                                                                                                                                                        | (15,703)                                                               
|Total other income                                                                                                                                                                                                                            | $43,355                                                                
|Operating expenses:
  Salaries 
  Employee benefits
  Depreciation and amortization
  Data Processing
  Legal and professional
  Rent
  Regulatory assessments
  Insurance expense
  Advertising & promotional
  Miscellaneous other expenses | $274,067
87,020
43,975
64,883
29,912
25,306
18,616
11,217
20,424157,214
|Total operating expenses                                                                                                                                                                                                                      | $732,634                                                               
|Net income before taxes                                                                                                                                                                                                                       | $106,964                                                               
|Income taxes                                                                                                                                                                                                                                  | - -                                                                    
|Net income                                                                                                                                                                                                                                    | $106,964                                                               
|Basic income per share                                                                                                                                                                                                                        | $ .07                                                                  
|Diluted income per share                                                                                                                                                                                                                      | $ .07                                                                  

Refer to notes to the consolidated financial statements.



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

|                                                                      | For the three monthsended March 31,
|--------------------------------------------------------------------- | -----------------------------------
|                                                                      | 2004                               
|Cash flows used by operating activities                               | $440,916                           
|Cash flows from investing activities:
Increase in loans, net          | (8,794,731)                        
|Securities available for sale:
  Purchases
  Maturities and pay downs | (52,500)
248,194                   
|Purchase of fixed assets                                              | (122,476)                          
|Net cash used by investing activities                                 | $(8,721,513)                       
|Cash flows from financing activities:                                 |                                    
|Increase (decrease) in borrowings
  Increase in deposits              | (1,000,000)11,732,347              
|Net cash provided by financing activities                             | 10,732,347                         
|Net increase in cash and cash equivalents                             | 2,451,750                          
|Cash and cash equivalents, beginning of period                        | 2,938,786                          
|Cash and cash equivalents, end of period                              | $5,390,536                         

Refer to notes to the consolidated financial statements.



Horizon Bancorporation, Inc.
Bradenton, Florida
Consolidated Statements of Changes in Shareholders' Equity (Unaudited)
for the three-month periods ended March 31, 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          
|Comprehensive Income:Net income, three-month period ended March 31, 2003                                      | - -          | - -            | - -              | 13,470                                | - -              
|Net unrealized loss on securities, three-month period ended March 31, 2003
Total comprehensive income/(loss)  | - -
- -      | - -
- -        | - -
- -          | - -
13,470                            | (41,079)
(41,079)
|Balance, March 31, 2003                                                                                       | 1,147,410    | $ 11,474       | $5,999,596       | $(1,769,163)                          | $(8,273)         
|                                                                                                              |              |                |                  |                                       |                  
|Balance, December 31, 2003                                                                                    | 1,493,448    | $14,934        | $8,039,148       | $(1,474,364)                          | $(39,477)        
|Comprehensive Income:Net income, three-month period ended March 31, 2004                                      | - -          | - -            | - -              | 106,964                               | - -              
|Net unrealized gains on securities, three-month period ended March 31, 2004
Total comprehensive income/(loss) | - -
- -      | - -
- -        | - -
- -          | - -
106,964                           | 41,251
41,251    
|Balance, March 31, 2004                                                                                       | 1,493,448    | $ 14,934       | $8,039,148       | $(1,367,400)                          | $1,774           



Refer to notes to the consolidated financial statements.



Horizon Bancorporation, Inc.
Notes to Consolidated Financial Statements (Unaudited)
March 31, 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-month period ended March 31, 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 with respect to Horizon Bank, Bradenton, Florida (the "Bank"). The Company commenced banking operations on October 25, 1999 when the Bank commenced operations. 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 March 31, 2004, and December 31, 2003, there were 1,493,448 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 March 31, 2004 and December 31, 2003, there were no shares of the Company's preferred stock issued or outstanding.

Note 3 - Recent Accounting Pronouncements

In January 2003, the Financial Accounting Standards Board ("FASB") issued Consolidation of Variable Interest Entities, an interpretation of Accounting Research Bulletin No. 51 (the Interpretation), FASB Interpretation No. 46 ("FIN 46"). The purpose of this interpretation is to provide guidance on how to identify a variable interest entity (VIE) and determine when the assets, liabilities, non-controlling interests, and results of operations of a VIE need to be included in a company's consolidated financial statements. A company that holds variable interest in an entity will need to consolidate that entity if the company's interest in the VIE is such that the company will absorb a majority of the VIE's expected losses and or receive a majority of the VIE's expected residual returns, if they occur. As of March 31, 2004, management believes that the Company does not have any VIE's which would be consolidated under the provisions of FIN 46.

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.

Statement of Position 03-3 ("SOP 03-3"): "Accounting for Certain Loans or Debt Securities Acquired in a Transfer." In December 2003, the American Institute of Certified Public Accountants ("AICPA") issued SOP 03-3. SOP 03-3 requires loans acquired through a transfer, such as a business combination, where there are differences in expected cash flows and contractual cash flows due in part to credit quality be recognized at their fair value. The excess of contractual cash flows over expected cash flows is not to be recognized as an adjustment of yield, loss accrual, or valuation allowance. Valuation allowances cannot be created nor "carried over" in the initial accounting for loans acquired in a transfer on loans subject to SFAS 114, "Accounting by Creditors for Impairment of a Loan." This SOP is effective for loans acquired after December 31, 2004, with early adoption encouraged. The Company does not believe the adoption of SOP 03-3 will have a material impact on the Company's financial position, results of operations or liquidity.

In December 2003, the FASB issued a revision of SFAS No. 132, Employer's Disclosures about Pensions and Other Postretirement Benefits. Most of the provisions of the revised statements are effective for fiscal years ending after December 15, 2003. The Statement requires more detailed disclosures about plan assets, investment strategies, benefit obligations, cash flows, and the assumptions used in accounting for the plans. Adoption of the revision to SFAS No. 132 will 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 intends to adopt 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.

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, non-interest income, growth generation 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

Net income for the three-month period ended March 31, 2004 amounted to $106,964, or $.07 per diluted share. For the three-month period ended March 31, 2003, net income amounted to $13,470, or $.01 per diluted share. Following is a brief discussion concerning the Company's operational results for the three-month period ended March 31, 2004 as compared to the three-month period ended March 31, 2003.

1. Interest income, which represents interest received on interest earning assets, increased from $1,174,093 for the three-month period ended March 31, 2003 to $1,413,450 for the three-month period ended March 31, 2004, an increase of $239,357, or 20.4%. The cost of funds, which represents interest paid on deposits and borrowings, increased from $466,724 for the three-month period ended March 31, 2003 to $496,663 for the three-month period ended March 31, 2004, an increase of $29,939, or 6.4%. For the three-month period ended March 31, 2004, the growth in interest income outpaced the growth in the cost of funds resulting in an increase in net interest income, from $707,369 for the three-month period ended March 31, 2003, to $916,787 for the three-month period ended March 31, 2004.

Net interest yield, defined as net interest income divided by average interest earning assets, decreased from 4.14% during the three-month period ended March 31, 2003 to 4.09% during the three-month period ended March 31, 2004. This decline of 5 basis points is insignificant in light of the fact that the interest rate environment was in a declining mode in the past year. Below is pertinent information concerning the yield on earning assets and the cost of funds for the three-month period ended March 31, 2004.

(Dollars in '000s)

|Description                 | Avg. Assets/Liabilities | InterestIncome/Expense | Yield/Cost
|--------------------------- | ----------------------- | ---------------------- | ----------
|Federal funds               | $728                    | $2                     | 1.10%     
|Securities                  | 10,793                  | 127                    | 4.71%     
|Loans                       | 78,129                  | 1,284                  | 6.57%     
|Total                       | $89,650                 | $1,413                 | 6.30%     
|Borrowings                  | $2,902                  | $0                     | 1.38%     
|Transactional accounts      | 18,799                  | 48                     | 1.02%     
|Savings                     | 5,308                   | 16                     | 1.21%     
|CD's                        | 54,381                  | 422                    | 3.10%     
|Total                       | $81,390                 | $496                   | 2.44%     
|Net interest income         |                         | $917                   |           
|Net yield on earning assets |                         |                        | 4.09%     

1. For the three-month period ended March 31, 2004, non-interest income amounted to $43,355, or .18% of average assets. By comparison, non interest income for three-month period ended March 31, 2003 amounted to $37,500, or .20% of average assets. The primary reason for the decline in non-interest income as a percent of average assets is due to the fact that 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.
2. For the three-month period ended March 31, 2004, non-interest expense amounted to $732,634, or 3.06% of average assets. By comparison, for the three-month period ended March 31, 2003, non interest expense amounted to $687,150, or 3.68% of average assets. This decline in operating expense as a percent of average assets is due primarily to the improvement of operational efficiencies.

During the three-month period ended March 31, 2004, the allowance for loan losses increased by $60,000, to $760,000. The allowance for loan losses as a percentage of gross loans decreased from .94% at December 31, 2003 to .92% at March 31, 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.

Total assets increased by $10.9 million, to $101.1 million during the three-month period ended March 31, 2004. More specifically, cash and cash equivalents increased by $2.5 million, to $5.4 million; securities decreased by $.2 million, to $10.7 million; loans increased by $8.7 million, to $82.2 million; and all other assets decreased by $.1 million, to $2.8 million. To fund the $10.9 million increase in assets, customer deposits were increased by $11.7 million, to $93.3 million, borrowings were reduced by $1.0 million, to $1.0 million, and the capital accounts were increased by $.2 million, to $6.7 million.

Liquidity and Sources of Capital

Liquidity is the Company's ability to meet all deposit withdrawals immediately, while also providing for the credit needs of customers. The March 31, 2004 financial statements evidence a satisfactory liquidity position as total cash and cash equivalents amounted to $5.4 million, representing 5.3% of total assets. Investment securities, which amounted to $10.7 million or 10.6% 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'sMarch 31, 2004 | Minimum RegulatoryRequirement
|---------------------------------- | -------------------- | -----------------------------
|Leverage ratio
Risk weighted ratio | 6.9%
8.6%            | 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 6.9% and risk weighted ratio of 8.6% are above the required minimum.

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

The Company, with the participation of its management, including its Chief Executive Officer and Chief Financial Officer, carried out an evaluation of the effectiveness of the design and operation of its disclosure controls and procedures (as defined in Rules 13a-15 and 15d-15 under the Securities Exchange Act of 1934) as of the end of the period covered by this report. Based upon that evaluation and as of the end of the period covered by this report, the Company's Chief Executive Officer and Chief Financial Officer concluded that the Company's disclosure controls and procedures are effective in timely alerting them to information required to be disclosed in its reports that the Company files or submits to the Securities and Exchange Commission under the Securities Exchange Act of 1934. There have been no changes in the Company's internal control over financial reporting that occurred during the period covered by this report that have materially affected, or are reasonably likely to materially affect, the Company's internal control over financial reporting.



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.                                                                                           
|        | None.                                                                                                                                          
|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:                                                                                                                           
|        | Registrant filed no reports on Form 8-K during the quarter ended March 31, 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: May 7, 2004 |