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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 R7uyqqo6yKy2KhXqRtjLSA==

<SEC-DOCUMENT>0000721994-03-000156.txt : 20030729
<SEC-HEADER>0000721994-03-000156.hdr.sgml : 20030729
<ACCEPTANCE-DATETIME>20030729092542
ACCESSION NUMBER:		0000721994-03-000156
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030728
FILED AS OF DATE:		20030729

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LAKELAND FINANCIAL CORP
		CENTRAL INDEX KEY:			0000721994
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				351559596
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		202 E CENTER ST
		STREET 2:		P O BOX 1387
		CITY:			WARSAW
		STATE:			IN
		ZIP:			46581-1387
		BUSINESS PHONE:		5742676144

	MAIL ADDRESS:	
		STREET 1:		202 E CENTER ST
		STREET 2:		PO BOX 1387
		CITY:			WARSAW
		STATE:			IN
		ZIP:			46581

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			DEARDORFF KEVIN L
		CENTRAL INDEX KEY:			0001189370

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11487
		FILM NUMBER:		03807249

	BUSINESS ADDRESS:	
		STREET 1:		C/O LAKE CITY BANK
		STREET 2:		PO BOX 1387
		CITY:			WARSAW
		STATE:			IN
		ZIP:			46581-1387
		BUSINESS PHONE:		5742676144

	MAIL ADDRESS:	
		STREET 1:		3254 W. STATE RD 14
		CITY:			SILVER LAKE
		STATE:			IN
		ZIP:			46982
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>c0001189370d20030729f4f.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-07-28</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000721994</issuerCik><issuerName>LAKELAND FINANCIAL CORP</issuerName>        <issuerTradingSymbol>LKFN</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001189370</rptOwnerCik><rptOwnerName>DEARDORFF KEVIN L</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>3254 W. STATE RD. 14</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>SILVER LAKE</rptOwnerCity><rptOwnerState>IN</rptOwnerState><rptOwnerZipCode>46982</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>Executive Vice president</officerTitle><otherText></otherText></reportingOwnerRelationship></report
ingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-07-28</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>S</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>810.357</value></transactionShares><transactionPricePerShare><value>31.84</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1802.312</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>401(k) Plan</value></natureOfOwnership></ownershipNature></nonDerivativeT
ransaction></nonDerivativeTable><derivativeTable><derivativeHolding><securityTitle><value>Stock Options (Right to buy)</value></securityTitle><conversionOrExercisePrice><value>13.5</value></conversionOrExercisePrice><exerciseDate><value>2005-06-13</value></exerciseDate><expirationDate><value>2010-06-13</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>4000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>4000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Right to buy)</value></securityTitle><conversionOrExercisePrice><value>13.625</value></conversionOrExercisePrice><exerciseDate><value
>2006-01-09</value></exerciseDate><expirationDate><value>2011-01-09</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>5000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>5000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Right to buy)</value></securityTitle><conversionOrExercisePrice><value>14.125</value></conversionOrExercisePrice><exerciseDate><value>2005-05-09</value></exerciseDate><expirationDate><value>2010-05-09</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>1000</value><
/underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Right to buy)</value></securityTitle><conversionOrExercisePrice><value>15.125</value></conversionOrExercisePrice><exerciseDate><value>2005-02-08</value></exerciseDate><expirationDate><value>2010-02-08</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>4000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>4000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</
value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Right to buy)</value></securityTitle><conversionOrExercisePrice><value>19.4375</value></conversionOrExercisePrice><exerciseDate><value>2004-02-09</value></exerciseDate><expirationDate><value>2009-02-09</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>4000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>4000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Right to buy)</value></securityTitle><conversionOrExe
rcisePrice><value>24.375</value></conversionOrExercisePrice><exerciseDate><value>2003-04-14</value></exerciseDate><expirationDate><value>2008-04-12</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityValue><value>4000</value></underlyingSecurityValue></underlyingSecurity><postTransactionAmounts><valueOwnedFollowingTransaction><value>4000</value></valueOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding></derivativeTable><footnotes></footnotes><ownerSignature><signatureName>Teresa A. Bartman, Attorney-in-Fact</signatureName><signatureDate>2003-07-29</signatureDate></ownerSignature></ownershipDocument>

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