| 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 theExchange                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)) |

----

|                             | HIGHLANDS                BANKSHARES, INC. |
|----------------------------------|-------------------------------------------|
|                             | (Registrant)                              |
|                             |                                      |
|                             | /s/R.                Alan Miller          |
|                             | R.                Alan Miller             |
|                             |                                      |
| November                14, 2006 |                                      |