| 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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|                | HIGHLANDS      BANKSHARES, INC.      |
|---------------------|--------------------------------------|
|                | (Registrant)                         |
|                |                                 |
|                | /s/R. Alan      Miller               |
|                | R.      Alan Miller, Finance Officer |
|                |                                 |
| April      17, 2008 |                                 |

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| Exhibit      No. | Description        |
|------------------|--------------------|
|             |               |
| 99.1             | Press      Release |