EXHIBIT 99

CERTIFICATION

            Each of the undersigned hereby certifies in his capacity as an officer of MutualFirst Financial, Inc. (the "Registrant") that the Annual Report of the Registrant on Form 10-K for the period ended December 31, 2002 fully complies with the requirements of Section 13(a) of the Securities Exchange Act of 1934 and that the information contained in such report fairly presents, in all material respects, the consolidated financial condition of the Registrant at the end of such period and the results of operations of the Registrant for such period.

Date: March 28, 2003	/s/ R. Donn Roberts R. Donn Roberts President and Chief Executive Officer
Date: March 28, 2003	/s/ Timothy J. McArdle Timothy J. McArdle Senior Vice President, Treasurer and   Chief Financial Officer (Principal Financial and Accounting Officer)