Exhibit 23.1





           Consent of Independent Registered Public Accounting Firm



Board of Directors
Lakeland Financial Corporation
Warsaw, Indiana


We consent to the incorporation by reference in the Registration Statements on
Forms S-8 (333-48402 and 333-50135) of Lakeland Financial Corporation of our
report, dated February 10, 2005, with respect to the consolidated financial
statements of Lakeland Financial Corporation, which report appears in this
Annual Report on Form 10-K of Lakeland Financial Corporation for the year
ended December 31, 2004.




                                                  Crowe Chizek and Company LLC

South Bend, Indiana
March 10, 2005