8-K

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)                     September 16, 2005
MUTUALFIRST FINANCIAL, INC. (Exact name of registrant as specified in its chapter)
Maryland (State or other jurisdiction of incorporation	000-27905 (Commission File Number)	35-2085640 (IRS Employer Identification No.)

110 E. Charles Street, Muncie, Indiana (Address of principal executive offices) 47305-2419 (Zip Code)

Registrant's telephone number, including area code                      (765) 747-2800              

Not Applicable(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:

	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Item 8.01.  Other Events

         On September 19, 2005, the Registrant issued a press release announcing the completion of the acquisition of substantially all of the assets and the assumption of substantially all of the liabilities of Fidelity Federal Savings Bank, Marion, Indiana.

         With this acquisition, Mutual Federal Savings Bank will have assets of approximately $950 million and will operate twenty offices in Delaware, Randolph, Grant and Kosciusko Counties.

Item 9.01.  Financial Statements and Exhibits

(c)	Exhibits
	99	Press release dated September 19, 2005.

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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 thereunto duly authorized.

	MUTUALFIRST FINANCIAL, INC.
Date: September 21, 2005	By:   /s/ David W. Heeter       David W. Heeter        President and Chief Executive Officer

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EXHIBIT INDEX

Exhibit Number	Description
99	Press Release, dated September 19, 2005

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EX-99

FOR IMMEDIATE RELEASE:

Contact Person	Dave Heeter, Chief Executive Officer
Company Name	Mutual Federal Savings Bank
Phone Number	765.747.2800
FAX Number	765.213.2981
Website URL	www.mfsbank.com

Mutual Federal Savings Bank completes acquisition of Fidelity Federal Savings Bank.

Mutual Federal Savings Bank announced the completion today of the previously announced acquisition of Fidelity Federal Savings Bank. Dave Heeter, Chief Executive Officer of MutualFirst, said, "We are pleased to welcome Fidelity Federal Savings Bank's customers to Mutual Federal. We are committed to continuing Fidelity Federal's dedication to serving the financial needs of the communities in Grant County."

"Mutual Federal's commitment to providing quality services is well recognized and documented in the Grant County community" added Michael Pretorius, Fidelity's President and CEO, who will join Mutual Federal September 19.

Patrick C. Botts, President and Chief Operating Officer of Mutual Federal Savings Bank, commented "This is an outstanding opportunity to provide Mutual Federal's quality products and services to a larger customer base in our Grant County market. With the addition of Fidelity's North Baldwin office, Mutual Federal will now have four locations in Grant County, including our Wal-Mart branch, which is open for extended hours and provides excellent convenience to our customers.

David W. Heeter stated, "We are excited about the acquisition of Fidelity Federal. Fidelity Federal has a long history of success in Grant County, and combined with the presence Mutual Federal currently has, we believe this represents our solid commitment to the Grant County community.

With this acquisition, Mutual Federal Savings Bank will have assets of approximately $950 million and will operate twenty offices in Delaware, Randolph, Grant and Kosciusko Counties.