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)  June 23, 2010
Horizon Bancorp
(Exact Name of Registrant as Specified in Its Charter)
Indiana	000-10792	35-1562417
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)
515 Franklin Square, Michigan City, Indiana		46360
(Address of Principal Executive Offices)		(Zip Code)
(219) 879-0211
(Registrant’s Telephone Number, Including Area Code)
(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 (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 7.01  Regulation FD Disclosure.

On June 23, 2010, Craig M. Dwight, President and Chief Executive Officer of Horizon Bancorp (the “Company”), will be making presentations in a meeting with investors. The presentation materials are attached as Exhibit 99.1 to this Current Report on Form 8-K and also are available on our website at www.accesshorizon.com.  The Company undertakes no obligation to update, supplement or amend the materials attached as Exhibit 99.1.

This information is furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section. The filing of this Current Report shall not be deemed an admission as to the materiality of any information in the Current Report that is required to be disclosed solely by reason of Regulation FD.

A cautionary note about forward-looking statements: This Current Report may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements can include statements about estimated cost savings, plans and objectives for future operations and expectations about the Company’s financial and business performance as well as economic and market conditions. Forward-looking statements often can be identified by the use of words like “expect,” “may,” “could,” “intend,” “project,” “estimate,” “believe” or “anticipate.” By their nature, forward-looking statements are based on assumptions and are subject to risks, uncertainties, and other factors. You are cautioned that a ctual results may differ materially from those contained in the forward-looking statement.

Any forward-looking statements are intended to speak only as of the date of this Current Report, and the Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the forward-looking statement is made or to reflect the occurrence of unanticipated events.

Item 9.01  Financial Statements and Exhibits.

(d)  Exhibits

Exhibit No.	Description
99.1	Slide Presentation

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 hereto duly authorized.

Date:  June 22, 2010	Horizon Bancorp
	By:	/s/ Craig M. Dwight
		Craig M. Dwight
		President and Chief Executive Officer

Exhibit Index

Exhibit No.	Description	Location
99.1	Investor Presentation	Attached

EX-99.1

Exhibit 99.1

Forward-Looking Statements

This presentation may contain forward-
looking statements regarding financial
performance, business prospects, growth
and operating strategies.For these
statements, Horizon claims the protection
of the safe harbor for forward-looking
statements contained in the Private
Securities Litigation Reform Act of 1995.

*Based on price at the close of business on April 30, 2010 at $22.00 per share

**Total assets and deposits as of March 31, 2010

***Horizon closing two branches by September 30, 2010

Horizon’s Corporate Profile

•Shares Outstanding 3.3Million

•Market Cap*$72.3 Million

•Total Assets**$1.3 Billion

•Total Deposits**$ 874 Million

•Branches***23

•Ownership

–Insiders 10%

–Employee Benefit Plans15%

–Institutional & Mutual Funds22%

Horizon’s Locations

American Trust & Savings Acquisition

•Purchase & Assumption

–Assets ≈ $110 million

–Deposits ≈ $99 million

•Financial

–Accretive to earnings

–Payback is less than three years

–Low risk - asset quality and core deposits

Source: UniformBank Performance Reports.Indiana and Michigan are state averages for all insured
commercial banks.National is all insured commercial banks with assets between $1 billion and $3 billion.

2008

2009

Horizon More Profitable Than State & National Peers
As Measured By Return On Average Assets

1/2

1/2

1/2

1/2

1/2

1/2

Source of Ratings: www.bauerfinancial.com - Telephone: 800.388.6686

Star Ratings as of December 31, 2009 and through April 16, 2010

Horizon is a Top Rated Bank

•Indiana

–Horizon

–Centier

–1st Source

–La Porte Savings

–First Midwest

–Peoples Bank

–Citizens Financial

–Standard Bank

•Michigan

–Chemical

–Flag Star

–Edgewater

–New Buffalo Savings

•Big Banks

–Chase Bank USA

–Bank of America

–5th 3rd

–PNC

–Wells Fargo

Record Earnings - Ten Consecutive Years

CAGR10.29%

Improving Net Interest Margin

Peer Data Source: KBW Report dated March 2010 covering Indiana Publicly Traded Banks; peer data represents
a peer average and is as of December 2009for all periods reviewed.

Horizon Exceeds Peer Average for Efficiency

Steady Asset Growth

CAGR10.1%

CAGR 9.23%

Core Deposit Growth

Loan Quality

Sound Credit Culture

•Team of Seasoned Underwriters

–Average Tenure > 20 years

•Primarily an In-Market and Full Recourse Lender

•Predominately a Secured Lender

•Retail & Small Business Focus

–Average Commercial Loan Size Approximately $250,000

•We Manage Lending Limits

–House Limit $10 million

–Legal Limit > $18 million

–Five Loan Relationships with Balances > $5 million

“LowPercentage” of Development Loans

As a Percent of Total Commercial Loans at December 31, 2009

Dollars in Millions

Diversity in Non-Performing & Real Estate Owned

Non Performing and REO By Classification at December 31, 2009

Dollars in Millions

Horizon Loan Charge-Offs Comparable to Peer

Source: Custom group of 18 publicly traded banks headquartered in the state of Indiana from FDIC Uniform
Bank Performance Reports.

1st Qtr

Horizon Builds Loan Loss Reserve

Horizon Outperforms Peer Group

Non-Performing Loans Plus OREO to Gross Loans Plus OREO

Source: Custom group of 18 publicly traded banks headquartered in the state of Indiana from FDIC Uniform
Bank Performance Reports

1st Qtr

Invest in Horizon

Horizon is Highly Regarded
In Our Communities

•Nine out of Ten Customers - Would Refer a Friend

•Best Bank - The News Dispatch Readers Poll -Nine out
of Last Ten Years

•Best Trust Company - NW Indiana Business Quarterly

•Best Place to Work - NW Indiana Business Quarterly

•Family Friendly Work Policies - Clarian Award

•Ranked in the Top 200 Community Banks for
Financial Performance - US Banker Magazine - June
2009

Horizon’s Compensation Is Fair
To All Stakeholders

•Say on Pay

•Bonus Plans Directionally Aligned with
Shareholder’s Interests

•Horizon Pays Shareholders First

–No bonuses if earnings fall below a multiple of
approximately 1.5x dividends plus holding company
fixed costs

•Independent Director Compensation Committee

•Third Party Consultant and Engaged Directly by
Director’s Compensation Committee

Horizon has Stable Performance & Growth

•Earnings Growth for Ten Consecutive Years

•Diversified Revenue Streams

•Efficient Operations

•Lake Michigan Corridor Primed for Growth

•Super Regional Banks Cutting Back - Market Share
Opportunities

•Opportunities Increasing for Healthy Banks

	Horizon Bancorp*	Avg. - Indiana Banks**
Dividend Yield	3.5%	2.3%
Price to Book	69.2%	79.2%
Price to Tangible Book	75.1%	87.5%
Price to Earnings (LTM)	9.2x	16.1x

*Horizon Bancorp data as of March 31, 2010

**Peer Data Source: KBW Report as ofMarch 2010 Covering Indiana Publicly Traded

Horizon is an Attractive Value

Horizon Outperforms Bank Index - One Year

Horizon Outperforms Bank Index - Ten Years

A NASDAQ Traded Company - Symbol HBNC