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QUARTERLY REPORT FOR 06/04

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 June 30, 2004 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 06/04

HYNES & HOWES INSURANCE COUNSELORS, INC.
Notes to Financial Statements
June 30, 2004



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 nine months ended June 30, 2004
increased $15,503 as compared to the nine month period ended June 30,
2003. Realized gross profit from sale of real estate for the nine
months ended June 30, 2004 was $10,062, compared to a net loss of
$16,699 for the nine months ended June 30, 2003.




EX-99.2
OTHER INFORMATION FOR 06/04

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 06/04

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 06/04

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 06/04

HYNES & HOWES INSURANCE COUNSELORS, INC.
Computation of Earnings (Loss) Per Common Share
For the Three Months and Nine Months Ended June 30, 2004 and 2003
(Unaudited)


Three Months Ended Nine Months Ended
June 30, June 30,
2004 2003 2004 2003

Common Shares Outstanding:

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

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

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

Net Income (Loss) $ (4,217) $ (7,142) $ (16,084) $ (31,587)

Earnings (Loss) Per Common Share:

Net Income $ 0.00 $ 0.00 $ 0.00 $ 0.00

EX-99.6
BALANCE SHEET FOR 06/04

HYNES & HOWES INSURANCE COUNSELORS, INC.
Balance Sheet
June 30, 2004 and 2003
(Unaudited)

June 30,
2004 2003
Assets
Current Assets:
Cash in Bank $ 23,398 $ 100,201
Other Current Assets 1,762 9,460
Total Current Assets $ 25,160 $ 109,661

Investments:
Contracts Receivable-Real Estate 642,909 618,360
Real Estate on Hand 42,616 0
Equipment 4,693 7,805
Total Investments $ 690,218 $ 626,165

Total Assets $ 715,378 $ 735,826

Liabilities and Stockholders' Equity

Current Liabilities:
Buyers Escrow $ 9,709 $ 7,132
Total Current Liabilities $ 9,709 $ 7,132
Long Term Liabilities:
Contracts Payable $ 0 $ 0
Total Long Term Liabilities $ 0 $ 0
Total Liabilities $ 9,709 $ 7,132

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) (3,041,944) (3,018,919)
Treasury Stock, at cost (33,252) (33,252)

Total Stockholders' Equity $ 705,669 $ 728,694

Total Liabilities and Stockholders'
Equity $ 715,378 $ 735,826

EX-99.7
STATEMENT OF OPERATIONS FOR 06/04

HYNES & HOWES INSURANCE COUNSELORS, INC.
Statement of Operations
For the Three Months and Nine Months Ended June 30, 2004 and 2003
(Unaudited)


The following Statements of Operations of Hynes & Howes Insurance Counselors,
Inc. for the three months and nine months ended June 30, 2004 and 2003,
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 Nine Months Ended
June 30, June 30,
2004 2003 2004 2003

Operating Income:
Interest $19,759 $19,715 $ 58,640 $61,955
Other Income 3,359 (1,977) 12,971 (13,928)

Total Operating Income $23,118 $17,738 $ 71,611 $48,027

Operating Expenses:
Management Fees 12,000 12,000 36,000 36,000
Legal and Audit 907 752 9,437 8,732
Other Operating Expenses 14,429 12,128 42,259 34,882

Total Operating Expenses$27,336 $24,880 $ 87,696 $79,614

Income (Loss) from Operations(4,218) (7,142) (16,085) (31,587)
Provision for Income Taxes$ 0 $ 0 $ 0 $ 0

Net Income (Loss) $(4,218) $(7,142) $(16,085) $(31,587)

Earnings Per Common Share $ 0 $ 0 $ 0 $ 0

Dividends per Common Share $ 0 $ 0 $ 0 $ 0

EX-99.8
STATEMENT OF CASH FLOW FOR 06/04
HYNES & HOWES INSURANCE COUNSELORS, INC.
Statement of Cash Flow
For the Nine Months Ended June 30, 2004 and 2003
Increase (Decrease) in Cash and Cash Equivalents
(Unaudited)

Nine Months Ended
June 30,
2004 2003
Cash Flows from Operating Activities:
Interest Received $ 58,640 $ 61,955
Other Income Received 2,909 2,771
Legal, Audit and Management Fees Paid (45,437) (44,732)
Cash Paid to Suppliers for
Operating Expenses (43,859) (36,194)

Net Cash Provided (Used)
by Operating Activities $ (27,747) $ (16,200)

Cash Flow from Investing Activities:
Principal Collected on Real Estate
Contracts 187,492 100,696
Purchase of Real Estate Contracts (108,500) 0
Purchase and Sale of Real Estate (net) (42,616) 0
Buyers Escrow Received (Paid) 4,613 4,828
Tax Certificates Collected (Purchased) 9,314 (2,210)
Principal Paid on Contract Payable 0 (8,157)

Net Cash Provided (Used)
by Investing Activities $ 50,303 $ 95,157

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 $ 22,556 $ 78,957
Cash & Cash Equivalents at
Beginning of Period $ 842 $ 21,244

Cash and Cash Equivalents at End of Period $ 23,398 $ 100,201

EX-27
ART. 5 FDS FOR 06/30/04

PERIOD-TYPE 9-MOS
FISCAL-YEAR-END SEP-30-2004
PERIOD-END JUN-30-2004
CASH 23,398
SECURITIES 0
RECEIVABLES 642,909
ALLOWANCES 0
REAL ESTATE 0
CURRENT-ASSETS 1,762
PP&E 19,330
DEPRECIATION 14,638
TOTAL-ASSETS 715,378
CURRENT-LIABILITIES 9,709
BONDS 0
PREFERRED-MANDATORY 0
PREFERRED 0
COMMON 3,780,765
OTHER-SE 100
TOTAL-LIABILITY-AND-EQUITY 705,669
SALES 0
TOTAL-REVENUES 71,611
CGS 0
TOTAL-COSTS 87,696
OTHER-EXPENSES 0
LOSS-PROVISION 0
INTEREST-EXPENSE 0
INCOME-PRETAX (16,085)
INCOME-TAX 0
INCOME-CONTINUING 0
DISCONTINUED 0
EXTRAORDINARY 0
CHANGES 0
NET-INCOME (16,085)
EPS-PRIMARY 0
EPS-DILUTED 0