| West                  Virginia                   | 0-16761                                   | 55-0650793                           |
|--------------------------------------------------|-------------------------------------------|--------------------------------------|
| (State                  or other jurisdiction of | (Commission                  File Number) | (I.R.S.                  Employer    |
| Incorporation                  or organization   |                                      | Identification                  No.) |

| P.O.                  Box 929                             |                        |
|-----------------------------------------------------------|-----------------------------|
| Petersburg,                  WV                           | 26847                       |
| (Address                  of principal executive offices) | (Zip                  Code) |

| Check                  the appropriate box below if the Form 8-K filing is intended to                  simultaneously Satisfy                  the filing obligation of the registrant under any of the following                  provisions: |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                                                                                            |
| _____                                                                                                                                                                                                                                           | Written                  communications pursuant to Rule 425 under the Securities Act (17                  CFR                  230.425 |
|                                                                                                                                                                                                                                            |   |
| _____                                                                                                                                                                                                                                           | Soliciting                  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR                  240.14a-12) |
|                                                                                                                                                                                                                                            |   |
| _____                                                                                                                                                                                                                                           | Pre-commencement                  communications pursuant to Rule 14d-2(b) under the Exchange                  Act (17 CFR 240.14d-2(b)) |
|                                                                                                                                                                                                                                            |   |
| _____                                                                                                                                                                                                                                           | Pre-commencement                  communications pursuant to Rule 13e-4(c) under the Exchange Act                  (17 CFR                  240.13e-4(c)) |

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| Item                2.02 | Results                of Operations and Financial                Condition |
|--------------------------|-----------------------------------------------------------------------------|

|   | 99.1 | Press                release issued April 20, 2007 |
|--------|------|----------------------------------------------------|

|                          | HIGHLANDS                BANKSHARES, INC. |
|-------------------------------|-------------------------------------------|
|                          | (Registrant)                              |
|                          |                                      |
|                          | /s/R.                Alan Miller          |
|                          | R.                Alan Miller             |
|                          |                                      |
| April                20, 2007 |                                      |