HMN FINANCIAL
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
 
FORM 8-K
 
CURRENT REPORT
 
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
Date of Report (Date of earliest event reported):   April 20, 2007
 
HMN Financial, Inc.
 
(Exact name of registrant as specified in its chapter) 
 
Delaware
(State or other jurisdiction
of incorporation)
0-24100
(Commission
File Number)
41-1777397
(IRS Employer
Identification No.)

1016 Civic Center Drive Northwest
PO Box 6057
Rochester, Minnesota
(Address of principal executive offices)
55903-6057
(Zip Code)
 

Registrant's telephone number, including area code (507) 535-1200
 
__________________________________________________________
(Former name or former address, if changed since last report)
 

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:
 
o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Item 2.02. Results of Operations and Financial Condition.
 
On April 20, 2007, HMN Financial, Inc. (the "Company") reported its financial results for its first fiscal quarter ended March 31, 2007. See the Company's press release dated April 20, 2007, which is furnished as Exhibit 99 and incorporated by reference in this Current Report on Form 8-K.
 
Item 9.01. Financial Statements and Exhibits
 
(c) Exhibits (the following exhibits are furnished to the SEC)
             Exhibit Number                     Description
                    99                 Press release dated April 20, 2007
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 hereunto duly authorized.
 
 
HMN Financial, Inc.
(Registrant)
 
Date: April 25, 2007
/s/ Jon Eberle
Jon Eberle, SVP/CFO/Treasurer