-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Wd2nvW4z4fQgnqrsf854rO8zpENlezmX0AWJls0bnLo7gwyijxWK47C7w76ubAdq
 EoUGzyfcf8tf9WNDALC+qw==

<SEC-DOCUMENT>0000721994-03-000209.txt : 20031105
<SEC-HEADER>0000721994-03-000209.hdr.sgml : 20031105
<ACCEPTANCE-DATETIME>20031105154440
ACCESSION NUMBER:		0000721994-03-000209
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030903
FILED AS OF DATE:		20031105

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:			FULMER L CRAIG
		CENTRAL INDEX KEY:			0001189383

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11487
		FILM NUMBER:		03979488

	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:		120 W. LEXINGTON
		CITY:			ELKHART
		STATE:			IN
		ZIP:			46516
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>c0001189383d20031105f4f.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
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<ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-09-03</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000721994</issuerCik><issuerName>LAKELAND FINANCIAL CORP</issuerName>        <issuerTradingSymbol>LKFN</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001189383</rptOwnerCik><rptOwnerName>FULMER L CRAIG</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>120 W. LEXINGTON, SUITE 310</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>ELKHART</rptOwnerCity><rptOwnerState>IN</rptOwnerState><rptOwnerZipCode>46516</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle></officerTitle><otherText></otherText></reportingOwnerRelationship></reportingOwner><nonDerivativeT
able><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-09-03</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>P</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>157.183</value></transactionShares><transactionPricePerShare><value>31.81</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>6061.984</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><de
rivativeTable><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>500</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>500</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><ex
pirationDate><value>2011-01-09</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>600</value></underlyingSecurityShares></underlying
Security><postTransactionAmounts><sharesOwnedFollowingTransaction><value>600</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>575</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>575</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natur
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seDate><value>2003-01-01</value></exerciseDate><expirationDate><value>2003-01-01</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>4775.6</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>4775.6</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Phantom Stock</value></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><exerciseDate><value>2003-01-07</value></exerciseDate><expirationDate><value>2013-01-07</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>398.6</value></u
nderlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>398.6</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Phantom Stock</value></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><exerciseDate><value>2003-01-28</value></exerciseDate><expirationDate><value>2013-01-28</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>37.4</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>37.4</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndir
ectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Phantom Stock</value></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><exerciseDate><value>2003-04-28</value></exerciseDate><expirationDate><value>2013-04-28</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>37.4</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>37.4</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Phantom Stock</value></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><e
xerciseDate><value>2003-07-10</value></exerciseDate><expirationDate><value>2013-07-10</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>261.5</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>261.5</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Phantom Stock</value></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><exerciseDate><value>2003-07-30</value></exerciseDate><expirationDate><value>2013-07-30</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>31.5</value><
/underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>31.5</value></sharesOwnedFollowingTransaction></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>2003-11-05</signatureDate></ownerSignature></ownershipDocument>

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</DOCUMENT>
</SEC-DOCUMENT>
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