SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C. 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)         October 15, 2004


                        Lakeland Financial Corporation
            (Exact name of Registrant as specified in its charter)


         Indiana                      0-11487                 35-1559596
  (State or other jurisdiction    (Commission file         (I.R.S. Employer
      of incorporation)                Number)          Identification Number)


 202 East Center Street, P.O. Box 1387, Warsaw, Indiana           46581-1387
       (Address of principal executive offices)                    (Zip Code)


                                (574) 267-6144
             (Registrant's telephone number, including area code)


                                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)
[  ]  Solicitation 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)




Item 2.02.  Results of Operations and Financial Condition

     On  October  15,  2004,  Lakeland  Financial  Corporation  issued a press
release  announcing its earnings for the  nine-months and  three-months  ended
September 30, 2004. The news release is attached as Exhibit 99.1.

Item 9.01.  Financial Statements and Exhibits

     (c)      Exhibits

              99.1  Press Release dated October 15, 2004




                                                             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 hereunto duly authorized.


                        LAKELAND FINANCIAL CORPORATION


Dated:  October 15, 2004                         By:  /s/David M. Findlay
                                                      David M. Findlay
                                                      Chief Financial Officer