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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 Lhwuffc9qe71zaX5V5ptbXEXCqEbq2MnSZyuK+giHlY8NdrAn8MVEKPVhFQnGsmD
 B/hus8gmbaE3o8imoale7Q==

<SEC-DOCUMENT>0000721994-03-000239.txt : 20031210
<SEC-HEADER>0000721994-03-000239.hdr.sgml : 20031210
<ACCEPTANCE-DATETIME>20031210141043
ACCESSION NUMBER:		0000721994-03-000239
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031209
FILED AS OF DATE:		20031210

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:			BARTMAN TERESA A
		CENTRAL INDEX KEY:			0001189362

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11487
		FILM NUMBER:		031046904

	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:		12139 SYRACUSE WEBSTER RD
		CITY:			SYRACUSE
		STATE:			IN
		ZIP:			46567
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>c0001189362d20031210f4f.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
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<ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-12-09</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000721994</issuerCik><issuerName>LAKELAND FINANCIAL CORP</issuerName>        <issuerTradingSymbol>LKFN</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001189362</rptOwnerCik><rptOwnerName>BARTMAN TERESA A</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>12139 SYRACUSE/WEBSTER RD.</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>SYRACUSE</rptOwnerCity><rptOwnerState>IN</rptOwnerState><rptOwnerZipCode>46567</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>Vice President &amp; Controller</officerTitle><otherText></otherText></reportingOwnerRelationship
></reportingOwner><nonDerivativeTable></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>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>13.625</value></conversionOrExercis
ePrice><exerciseDate><value>2006-01-09</value></exerciseDate><expirationDate><value>2011-01-09</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>1500</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1500</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><underlyingSecurity
Shares><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>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>750</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>750</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIn
directOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Right to buy)</value></securityTitle><conversionOrExercisePrice><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><underlyingSecurityShares><value>550</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>550</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeTransaction><securityTitle><value>Stock Options (Right to buy)</value></sec
urityTitle><conversionOrExercisePrice><value>34.37</value></conversionOrExercisePrice><transactionDate><value>2003-12-09</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>5</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>700</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2008-12-09</value></exerciseDate><expirationDate><value>2013-12-09</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>700</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>700</value></sharesOwnedFollowingTransaction></postTransa
ctionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeTransaction></derivativeTable><footnotes></footnotes><ownerSignature><signatureName>Teresa A. Bartman</signatureName><signatureDate>2003-12-10</signatureDate></ownerSignature></ownershipDocument>

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</SEC-DOCUMENT>
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