UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


                                  July 19, 2002

                Date of Report (Date of Earliest Event Reported)


                            AMES NATIONAL CORPORATION
             ------------------------------------------------------
             (Exact Name of Registrant as Specified in its Charter)


         IOWA                            0-32637                 42-1039071
--------------------------------------------------------------------------------
(State or Other Jurisdiction of   (Commission File Number)    (I.R.S. Employer
Incorporation or Organization)                               Identification No.)


                                405 FIFTH STREET
                                AMES, IOWA 50010
                    ----------------------------------------
                    (Address of Principal Executive Offices)

       Registrant's Telephone Number, Including Area Code: (515) 232-6251

                                 NOT APPLICABLE
              ----------------------------------------------------
              (Former Name, Former Address and Former Fiscal Year,
                         if Changed Since Last Report)



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Item 7.  Financial Statements and Exhibits

         The following exhibit is filed as part of this Report:

         Exhibit No.                                 Description
         -----------                       --------------------------------
             99.1                          News Release dated July 19, 2002

Item 9.  Regulation FD Disclosure

         On July 19,  2002,  Ames  National  Corporation  issued a News  Release
         announcing its earnings for the three and six month periods ending June
         30, 2002. A copy of the New Release is attached hereto as Exhibit 99.1.


                                   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.

                                                   AMES NATIONAL CORPORATION

Date:  July 19, 2002                          By:   /s/ Daniel L. Krieger
                                                   -----------------------------
                                                   Name:  Daniel L. Krieger
                                                   Title:  President




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                                  EXHIBIT INDEX

Exhibit No.                                                Description
-----------                                     --------------------------------
   99.1                                         News Release dated July 19, 2002






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