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QUARTERLY REPORT FOR 12/03

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D. C. 20549


FORM 10-Q


QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934




FOR QUARTER ENDED December 31, 2003 Commission file number 0-7376



Hynes & Howes Insurance Counselors, Inc.

(Exact name of registrant as specified on its charter)



Iowa 42-0948341

(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)



2920 Harrison St., Davenport, Iowa 52803

(Address of principal executive offices) (Zip Code)




Registrant's telephone number, including area code (563) 326-6401


Indicate by check mark whether the registrant (1) has filed all annual,
quarterly and other reports required to be filed with the Commission and (2)
has been subject to the filing requirements for
at least the past 90 days. Yes XX No .



Indicate the number of shares outstanding of each of the issuer's classes of
common stock, as of the close of the period covered by this report.

11,226,699

EX-99.1
NOTES TO FINANCIAL STATEMENTS FOR 12/03

HYNES & HOWES INSURANCE COUNSELORS, INC.
Notes to Financial Statements
December 31, 2003



Note 1. Filing of Forms 8-K

A form 8-K was not required to be filed for the quarter reporting
any unusual charges or credits to the income or change in auditors.

Note 2. Management's Analysis of Income From Operations

Income from operations for the three months ended December 31, 2003
increased $11,484 as compared to the three month period ended
December 31, 2002.




EX-99.2
OTHER INFORMATION FOR 12/03

HYNES & HOWES INSURANCE COUNSELORS, INC.


Part II: Other information

There were no events during this quarter that would be reportable
under the Items 1 through 8 of the Form 10-Q for Registrant.

Item 9. Exhibits and Reports on Form 8-K

There were no 8-K's filed during the quarter for which this report is
filed.


EX-99.3
REGULATION S-X FOR 12/03

Regulation S-X, Section 10-01 (b) (8)


This interim financial statement reflects all adjustments which
are, in the opinion of management, necessary to a fair statement
of the results for the interim period. The corporation has
no bonus or profit sharing arrangements to be settled at year-end.

EX-99.4
SIGNATURES FOR 12/03

SIGNATURES



Pursuant to the requirements of the Securities Act of 1934, the Registrant
has duly caused this report to be signed on its behalf by the undersigned
thereunto duly authorized.

HYNES & HOWES INSURANCE COUNSELORS, INC.


By:_____________________________________
Sharon L. Miller, President


This corporation has no treasurer.


Dated___________________ By:_____________________________________
Jenni Burkhart, Secretary


EX-99.5
COMPUTATION OF EPS FOR 12/03

HYNES & HOWES INSURANCE COUNSELORS, INC.
Computation of Earnings (Loss) Per Common Share
For the Three Months Ended December 31, 2003 and 2002
(Unaudited)


Three Months Ended
Dec 31,
2003 2002

Common Shares Outstanding:

Beginning of Period 11,226,669 11,226,699

End of Period 11,226,669 11,226,699

Average Number of Shares
Outstanding for the Period 11,226,669 11,226,699

Net Income (Loss) $ (13,326) $ (24,810)

Earnings (Loss) Per Common Share:

Net Income $ 0.00 $ 0.00

EX-99.6
BALANCE SHEET FOR 12/03

HYNES & HOWES INSURANCE COUNSELORS, INC.
Balance Sheet
Dec 31, 2003 and 2002
(Unaudited)

Dec 31,
2003 2002
Assets
Current Assets:
Cash in Bank $ 12,322 $ 8,647
Other Current Assets 40,693 8,439
Total Current Assets $ 53,015 $ 17,086

Investments:
Investment in Affiliated Company $ 0 $ 0
Contracts Receivable-Real Estate 657,396 715,102
Real Estate on Hand 0 0
Equipment 6,134 9,706
Total Investments $ 663,530 $ 724,808

Total Assets $ 716,545 $ 741,894

Liabilities and Stockholders' Equity

Current Liabilities:
Buyers Escrow $ 8,118 $ 6,423
Contracts Payable 0 0
Total Current Liabilities $ 8,118 $ 6,423
Long Term Liabilities:
Contracts Payable 0 0
Total Long Term Liabilities $ 0 $ 0
Total Liabilities $ 8,118 $ 6,423

Stockholders' Equity:
Capital Stock, no par value, 100,000,000 shares
authorized, 11,260,675 shares issued $ 3,780,765 $ 3,780,765
Paid in Capital 100 100
Retained Earnings (Deficit) (3,039,186) (3,012,142)
Treasury Stock, at cost (33,252) (33,252)

Total Stockholders' Equity $ 708,427 $ 735,471

Total Liabilities and Stockholders'
Equity $ 716,545 $ 741,894

EX-99.7
STATEMENT OF OPERATIONS FOR 12/03

HYNES & HOWES INSURANCE COUNSELORS, INC.
Statement of Operations
For the Three Months Ended Dec 31, 2003 and 2002
(Unaudited)


The following Statements of Operations of Hynes & Howes Insurance Counselors,
Inc. for the three months ended Dec 31, 2003 and 2002,reflect, in the opinion
of the Company, all adjustments (which include only normal recurring
adjustments) necessary to present fairly the results of operations for such
periods. The results for interim periods are not necessarily indicative of
results to be expected for the year.

Three Months Ended
Dec 30,
2003 2002

Operating Income:
Interest $17,764 $19,298
Other Income ( 674) (13,002)

Total Operating Income $17,090 $ 6,296

Operating Expenses:
Management Fees 12,000 12,000
Legal and Audit 7,794 7,104
Other Operating Expenses 10,622 12,002

Total Operating Expenses $30,416 $31,106

Income (Loss) from Operations(13,326) (24,810)
Provision for Income Taxes$ 0 $ 0

Net Income (Loss) (13,326) (24,810)

Earnings Per Common Share $ 0 $ 0

Dividends per Common Share $ 0 $ 0

EX-99.8
STATEMENT OF CASH FLOW FOR 12/03

HYNES & HOWES INSURANCE COUNSELORS, INC.
Statement of Cash Flow
For the Three Months Ended Dec 31, 2003 and 2002
Increase (Decrease) in Cash and Cash Equivalents
(Unaudited)

Three Months Ended
Dec 31,
2003 2002
Cash Flows from Operating Activities:
Interest Received $ 17,764 $ 19,298
Other Income Received (674) 852
Legal, Audit and Management Fees Paid (19,794) (19,104)
Cash Paid to Suppliers for
Operating Expenses (9,901) (11,367)

Net Cash Provided (Used)
by Operating Activities $ (12,605) $ (10,321)

Cash Flow from Investing Activities:
Principal Collected on Real Estate
Contracts 44,381 3,951
Advances to Affiliates (2,981) 0
Purchase of Real Estate Contracts 0 0

Buyers Escrow Received (Paid) 3,022 3,119
Tax Certificates Collected (Purchased) (1,337) (1,189)
Principal Paid on Contract Payable 0 (8,157)

Net Cash Provided (Used)
by Investing Activities $ 24,085 $ (2,276)

Cash Flow from Financing Activities:
Purchase of Equipment $ 0 $ 0

Net Cash Provided (Used)
by Financing Activities $ 0 $ 0

Net Increase (Decrease) in Cash
and Cash Equivalents $ 11,480 $ (12,597)
Cash & Cash Equivalents at
Beginning of Period $ 842 $ 21,244

Cash and Cash Equivalents at End of Period $ 12,322 $ 8,647

EX-27
ART. 5 FDS FOR 12/31/03

PERIOD-TYPE 3-months
FISCAL-YEAR-END SEP-30-2004
PERIOD-END DEC-31-2003
CASH 12,322
SECURITIES 0
RECEIVABLES 657,396
ALLOWANCES 0
REAL ESTATE 0
CURRENT-ASSETS 40,693
PP&E 19,330
DEPRECIATION 13,196
TOTAL-ASSETS 716,545
CURRENT-LIABILITIES 8,118
BONDS 0
PREFERRED-MANDATORY 0
PREFERRED 0
COMMON 3,780,765
OTHER-SE 100
TOTAL-LIABILITY-AND-EQUITY 716,545
SALES 0
TOTAL-REVENUES 17,090
CGS 0
TOTAL-COSTS 30,416

OTHER-EXPENSES 0
LOSS-PROVISION 0
INTEREST-EXPENSE 0
INCOME-PRETAX (13,326)
INCOME-TAX 0
INCOME-CONTINUING 0
DISCONTINUED 0
EXTRAORDINARY 0
CHANGES 0
NET-INCOME (13,326)
EPS-PRIMARY 0
EPS-DILUTED 0