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                                 UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                    FORM 13F
                              FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 03/31/2011

Check here if Amendment       [ ]             Amendment Number:

This Amendment                [ ]             is a restatement

Institutional Investment Manager Filing this Report:

Name:       HORIZON BANCORP
Address:    515 FRANKLIN SQUARE
            MICHIGAN CITY, IN 46360


13F File Number: 28-6479

The institutional investment Manager filing this report and the person by whom
it is signed hereby represent that the person signing the report is authorized
to submit it, that all information contained herein is true, correct and
complete, and that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:  Mark E. Secor
Title: Chief Financial Officer
Phone: 219-873-2611
Signature, Place, and Date of Signing:
/s/Mark E. Secor, Chief Financial Officer, Michigan City, IN

04/04/2011

Report Type     (Check only one)
                [X]            13F HOLDINGS REPORT
                [ ]            13F COMBINATION REPORT

===============================================================================




                           FORM 13F INFORMATION TABLE



                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
AFLAC INC          COMMON STOCK      001055102     292      5527 SH          SOLE                         741
                                                                             SOLE                                            4786
                                                   198      3758 SH          DEFINED                     2157
                                                                             DEFINED                                         1601
                                                    23       443 SH          OTHER                        343
                                                                             OTHER                                            100
AT&T INC COM       COMMON STOCK      00206R102      41      1350 SH          SOLE                                            1350
                                                   328     10725 SH          DEFINED                                        10725
                                                    12       400 SH          OTHER                                            400
                                                    33      1076 SH          DEF/OTH                                         1076
AMERICAN EXPRESS   COMMON STOCK      025816109     210      4638 SH          DEFINED                                         4638
AMETEK INC         COMMON STOCK      031100100     249      5667 SH          DEFINED                                         5667
ADR BP AMOCO PLC   FOREIGN STOCK     055622104     353      7986 SH          DEFINED                                         7986
                                                   236      5342 SH          OTHER                         50
                                                                             OTHER                                           5292
BERKSHIRE
HATHAWAY INC       COMMON STOCK      084670108     251         2 SH          DEFINED                                            2
                                                   125         1 SH          DEF/OTH                                            1

BERKSHIRE
HATHAWAY INC       COMMON STOCK      084670702       8       100 SH          SOLE                                             100
                                                   455      5445 SH          DEFINED                     1070
                                                                             DEFINED                                         4375
                                                   171      2050 SH          DEF/OTH                     1250
                                                                             DEF/OTH                                          800
CSX CORP           COMMON STOCK      126408103     375      4776 SH          SOLE                         337
                                                                             SOLE                                            4439

COLUMN TOTALS                                     3360





                           FORM 13F INFORMATION TABLE



                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
CSX CORP           COMMON STOCK      126408103     209      2653 SH          DEFINED                      982
                                                                             DEFINED                                         1671
                                                    17       215 SH          OTHER                        115
                                                                             OTHER                                            100
CVS/CAREMARK CORP  COMMON STOCK      126650100     138      4025 SH          SOLE                         507
                                                                             SOLE                                            3518
                                                    93      2700 SH          DEFINED                     1573
                                                                             DEFINED                                         1127
                                                    13       385 SH          OTHER                        185
                                                                             OTHER                                            200
CATERPILLAR INC    COMMON STOCK      149123101     153      1373 SH          SOLE                         192
                                                                             SOLE                                            1181
                                                   111      1000 SH          DEFINED                      527
                                                                             DEFINED                                          473
                                                    25       221 SH          OTHER                        121
                                                                             OTHER                                            100
CHEVRON CORP       COMMON STOCK      166764100     315      2927 SH          SOLE                         404
                                                                             SOLE                                            2523
                                                   502      4668 SH          DEFINED                     2185
                                                                             DEFINED                                         2483
                                                    65       603 SH          OTHER                        203
                                                                             OTHER                                            400
CISCO SYSTEMS INC  COMMON STOCK      17275R102      93      5429 SH          SOLE                         711
                                                                             SOLE                                            4718
                                                    70      4098 SH          DEFINED                     2427

COLUMN TOTALS                                     1804




                           FORM 13F INFORMATION TABLE



                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
CISCO SYSTEMS INC  COMMON STOCK      17275R102      70      4098 SH          DEFINED                                         1671
                                                    10       600 SH          OTHER                        300
                                                                             OTHER                                            300
COCA COLA          COMMON STOCK      191216100     137      2072 SH          SOLE                         270
                                                                             SOLE                                            1802
                                                    92      1384 SH          DEFINED                      801
                                                                             DEFINED                                          583
                                                    62       930 SH          OTHER                        180
                                                                             OTHER                                            750
                                                    31       473 SH          DEF/OTH                                          473
CONAGRA FOODS      COMMON STOCK      205887102     137      5749 SH          SOLE                         780
                                                                             SOLE                                            4969
                                                    90      3783 SH          DEFINED                     2173
                                                                             DEFINED                                         1610
                                                     8       350 SH          OTHER                        350
DIRECTV GROUP INC  COMMON STOCK      25490A101     178      3794 SH          SOLE                         526
                                                                             SOLE                                            3268
                                                   137      2923 SH          DEFINED                     1751
                                                                             DEFINED                                         1172
                                                    11       233 SH          OTHER                        233
DU POINT E I DE    COMMON STOCK      263534109     145      2632 SH          SOLE                         358
NEMOURS & CO                                                                 SOLE                                            2274
                                                   138      2513 SH          DEFINED                     1417
                                                                             DEFINED                                         1096
                                                    35       645 SH          OTHER                        145

COLUMN TOTALS                                     1211





                           FORM 13F INFORMATION TABLE



                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
DU POINT E I DE
NEMOURS & CO       COMMON STOCK      263534109      35       645 SH          OTHER                                            500
EXPRESS 1          COMMON STOCK      30217Q108     454    214225 SH          DEFINED                   214225
EXPEDITED SOLUTI
EXXON MOBIL CORP
ORATION            COMMON STOCK      30231G102     513      6100 SH          DEFINED                                         6100
                                                    76       903 SH          OTHER                                            903
                                                    56       664 SH          DEF/OTH                                          664
FLUOR CORP         COMMON STOCK      343412102     161      2192 SH          SOLE                         293
                                                                             SOLE                                            1899
                                                   107      1446 SH          DEFINED                      829
                                                                             DEFINED                                          617
                                                     9       122 SH          OTHER                        122
GENERAL ELECTRIC   COMMON STOCK      369604103     112      5593 SH          SOLE                         753
                                                                             SOLE                                            4840
                                                   185      9241 SH          DEFINED                     4983
                                                                             DEFINED                                         4258
                                                    33      1639 SH          OTHER                       1139
                                                                             OTHER                                            500
                                                    26      1300 SH          DEF/OTH                                         1300
HORIZON BANCORP
IND                COMMON STOCK      440407104      40      1459 SH          SOLE                                            1459
                                                 17256    632096 SH          DEFINED                   439891
                                                                             DEFINED                                       192205
                                                   262      9589 SH          OTHER                                           9589
                                                  4369    160037 SH          DEF/OTH                    51465

COLUMN TOTALS                                    23659




                           FORM 13F INFORMATION TABLE



                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
HORIZON BANCORP
IND                COMMON STOCK      440407104    4369    160037 SH          DEF/OTH                                       108572
 INTERNATIONAL     COMMON STOCK      459200101     323      1980 SH          SOLE                         261
BUSINESS MACHINES                                                            SOLE                                            1719
                                                   377      2313 SH          DEFINED                      784
                                                                             DEFINED                                         1529
                                                    31       189 SH          OTHER                        119
                                                                             OTHER                                             70
ISHARES            ETF-EQUITY        464287549     763     12115 SH          SOLE                        1646
                                                                             SOLE                                           10469
                                                   562      8930 SH          DEFINED                     5455
                                                                             DEFINED                                         3475
                                                    54       856 SH          OTHER                        731
                                                                             OTHER                                            125
JOHNSON & JOHNSON  COMMON STOCK      478160104     235      3970 SH          SOLE                         532
                                                                             SOLE                                            3438
                                                   218      3685 SH          DEFINED                     1941
                                                                             DEFINED                                         1744
                                                    31       520 SH          OTHER                        220
                                                                             OTHER                                            300
JOHNSON CONTROLS   COMMON STOCK      478366107     185      4448 SH          SOLE                         599
INCORPORATED                                                                 SOLE                                            3849
                                                   124      2982 SH          DEFINED                     1681
                                                                             DEFINED                                         1301
                                                     9       223 SH          OTHER                        223
L-3 COMMUNICATION  COMMON STOCK      502424104     156      1997 SH          SOLE                         275
HOLDINGS                                                                     SOLE                                            1722

COLUMN TOTALS                                     3068




                           FORM 13F INFORMATION TABLE



                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
L-3 COMMUNICATION  COMMON STOCK      502424104     122      1552 SH          DEFINED                      818
HOLDINGS                                                                     DEFINED                                          734
                                                    34       432 SH          OTHER                        132
                                                                             OTHER                                            300
LABORATORY CORP    COMMON STOCK      50540R409     279      3029 SH          SOLE                         407
OF AMERICA                                                                   SOLE                                            2622
                                                   192      2085 SH          DEFINED                     1167
                                                                             DEFINED                                          918
                                                    27       293 SH          OTHER                        193
                                                                             OTHER                                            100
MARATHON OIL COR   COMMON STOCK      565849106     306      5742 SH          SOLE                         784
PORATION                                                                     SOLE                                            4958
                                                   217      4072 SH          DEFINED                     2404
                                                                             DEFINED                                         1668
                                                    18       337 SH          OTHER                        337
MICROSOFT          COMMON STOCK      594918104     212      8333 SH          SOLE                        1105
                                                                             SOLE                                            7228
                                                   150      5900 SH          DEFINED                     3241
                                                                             DEFINED                                         2659
                                                    42      1667 SH          OTHER                        347
                                                                             OTHER                                           1320
NATIONAL OIL WELL  COMMON STOCK      637071101     290      3662 SH          SOLE                         503
VARCO                                                                        SOLE                                            3159
                                                   196      2474 SH          DEFINED                     1417
                                                                             DEFINED                                         1057
                                                    19       244 SH          OTHER                        244
OMNICOM GROUP      COMMON STOCK      681919106     190      3868 SH          SOLE                         521

COLUMN TOTALS                                     2294




                           FORM 13F INFORMATION TABLE


                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
OMNICOM GROUP      COMMON STOCK      681919106     190      3868 SH          SOLE                                            3347
                                                   150      3053 SH          DEFINED                     1970
                                                                             DEFINED                                         1083
                                                     9       190 SH          OTHER                        190
PAYCHEX INCORPOR   COMMON STOCK      704326107     157      5008 SH          SOLE                         670
ATED                                                                         SOLE                                            4338
                                                   106      3369 SH          DEFINED                     1945
                                                                             DEFINED                                         1424
                                                     8       263 SH          OTHER                        263
PEPSICO            COMMON STOCK      713448108     115      1788 SH          SOLE                         253
                                                                             SOLE                                            1535
                                                   208      3224 SH          DEFINED                     2572
                                                                             DEFINED                                          652
                                                    24       377 SH          OTHER                        177
                                                                             OTHER                                            200
PFIZER             COMMON STOCK      717081103    1398     68817 SH          DEFINED                                        68817
                                                  2982    146840 SH          OTHER                      62578
                                                                             OTHER                                          84262
PHILIP MORRIS      COMMON STOCK      718172109     134      2036 SH          SOLE                         253
INTL INC                                                                     SOLE                                            1783
                                                   355      5405 SH          DEFINED                     2803
                                                                             DEFINED                                         2602
                                                    31       479 SH          OTHER                         29
                                                                             OTHER                                            450
POWERSHARES ETF    ETF-EQUITY        73935X500     104      9688 SH          SOLE                        1313
TRUST                                                                        SOLE                                            8375
                                                    71      6581 SH          DEFINED                     3743

COLUMN TOTALS                                     5852



                           FORM 13F INFORMATION TABLE



                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
POWERSHARES ETF    ETF-EQUITY        73935X500      71      6581 SH          DEFINED                                         2838
TRUST
                                                     6       564 SH          OTHER                        564
POWERSHARES DB     ETF-EQUITY        73936B101     216      6880 SH          DEFINED                     1000
                                                                             DEFINED                                         5880
                                                     6       205 SH          OTHER                        205
                                                    11       350 SH          DEF/OTH                      100
                                                                             DEF/OTH                                          250
SPDR GOLD SHARES   ETF-EQUITY        78463V107     673      4809 SH          DEFINED                       84
                                                                             DEFINED                                         4725
                                                    60       426 SH          OTHER                        426
                                                    84       600 SH          DEF/OTH                                          600
SPDR               ETF-EQUITY        81369Y506     425      5331 SH          SOLE                         732
                                                                             SOLE                                            4599
                                                   291      3646 SH          DEFINED                     2076
                                                                             DEFINED                                         1570
                                                    25       316 SH          OTHER                        316
SPDR               ETF-EQUITY        81369Y886     315      9869 SH          SOLE                        1343
                                                                             SOLE                                            8526
                                                   244      7655 SH          DEFINED                     4789
                                                                             DEFINED                                         2866
                                                    30       932 SH          OTHER                        632
                                                                             OTHER                                            300
AMERITRADE         COMMON STOCK      87236Y108     210     10072 SH          SOLE                        1344

COLUMN TOTALS                                     2596




                           FORM 13F INFORMATION TABLE



                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
AMERITRADE
HOLDING CORP       COMMON STOCK      87236Y108     210     10072 SH          SOLE                                            8728
                                                   142      6792 SH          DEFINED                     3928
                                                                             DEFINED                                         2864
                                                    11       517 SH          OTHER                        517
TJX COS INC NEW    COMMON STOCK      872540109     193      3885 SH          SOLE                         528
                                                                             SOLE                                            3357
                                                   135      2717 SH          DEFINED                     1561
                                                                             DEFINED                                         1156
                                                    11       217 SH          OTHER                        217
ADR TEVA           FOREIGN STOCK     881624209     244      4867 SH          SOLE                         660
PHARMACEUTICAL                                                               SOLE                                            4207
IND
                                                   177      3537 SH          DEFINED                     1957
                                                                             DEFINED                                         1580
                                                    27       541 SH          OTHER                        279
                                                                             OTHER                                            262
VANGUARD           ETF-EQUITY        92204A108     225      3567 SH          SOLE                         489
                                                                             SOLE                                            3078
                                                   161      2557 SH          DEFINED                     1360
                                                                             DEFINED                                         1197
                                                    12       192 SH          OTHER                        192
VANGUARD           ETF-EQUITY        92204A207     303      4012 SH          SOLE                         568
                                                                             SOLE                                            3444
                                                   212      2803 SH          DEFINED                     1558
                                                                             DEFINED                                         1245

COLUMN TOTALS                                     1853




                           FORM 13F INFORMATION TABLE



                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
VANGUARD           ETF-EQUITY        92204A207     212      2803 SH
                                                    22       295 SH          OTHER                        295
VANGUARD           ETF-EQUITY        92204A405     702     20717 SH          SOLE                        2783
                                                                             SOLE                                           17934
                                                   498     14706 SH          DEFINED                     8049
                                                                             DEFINED                                         6657
                                                    41      1216 SH          OTHER                       1016
                                                                             OTHER                                            200
VANGUARD           ETF-EQUITY        92204A504     389      6486 SH          SOLE                         893
                                                                             SOLE                                            5593
                                                   272      4530 SH          DEFINED                     2627
                                                                             DEFINED                                         1903
                                                    10       168 SH          OTHER                        168
VANGUARD           ETF-EQUITY        92204A603     300      4270 SH          SOLE                         575
                                                                             SOLE                                            3695
                                                   203      2891 SH          DEFINED                     1653
                                                                             DEFINED                                         1238
                                                    17       236 SH          OTHER                        236
VANGUARD           ETF-EQUITY        92204A801     319      3650 SH          SOLE                         502
                                                                             SOLE                                            3148
                                                   214      2450 SH          DEFINED                     1410
                                                                             DEFINED                                         1040
                                                    16       185 SH          OTHER                        185
VANGUARD           ETF-EQUITY        92204A884     288      4193 SH          SOLE                         580

COLUMN TOTALS                                     3291




                           FORM 13F INFORMATION TABLE



                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
VANGUARD           ETF-EQUITY        92204A884     288      4193 SH          SOLE                                            3613
                                                   202      2939 SH          DEFINED                     1609
                                                                             DEFINED                                         1330
                                                    17       251 SH          OTHER                        251
WAL MART STORES    COMMON STOCK      931142103      93      1792 SH          SOLE                         249
INC                                                                          SOLE                                            1543
                                                   169      3243 SH          DEFINED                     2415
                                                                             DEFINED                                          828
                                                    11       216 SH          OTHER                        140
                                                                             OTHER                                             76
                                                     6       124 SH          DEF/OTH                                          124
WALGREEN           COMMON STOCK      931422109       2        61 SH          SOLE                          35
                                                                             SOLE                                              26
                                                   658     16403 SH          DEFINED                      563
                                                                             DEFINED                                        15840
                                                    28       700 SH          OTHER                                            700
WELLS FARGO &      COMMON STOCK      949746101     367     11589 SH          SOLE                        1560
                                                                             SOLE                                           10029
                                                   501     15805 SH          DEFINED                     7456
                                                                             DEFINED                                         8349
                                                    39      1239 SH          OTHER                        639
                                                                             OTHER                                            600
ACCENTURE PLC      FOREIGN STOCK     G1151C101     213      3876 SH          SOLE                         525
                                                                             SOLE                                            3351
                                                   142      2583 SH          DEFINED                     1505

COLUMN TOTALS                                     2448




                           FORM 13F INFORMATION TABLE



                                                VALUE    SHS
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    INVSTMT    OTHER              VOTING AUTHORITY
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL   DISCRTN    MANAGERS        SOLE      SHARED    NONE
                                                                                           
ACCENTURE PLC      FOREIGN STOCK     G1151C101     142      2583 SH          DEFINED                                         1078
                                                    13       242 SH          OTHER                        242
NOBLE CORPORATION  COMMON STOCK      H5833N103     212      4640 SH          SOLE                         592
SWITZERLAND                                                                  SOLE                                            4048
                                                   143      3133 SH          DEFINED                     1794
                                                                             DEFINED                                         1339
                                                    12       270 SH          OTHER                        270
COLUMN TOTALS                                      380
AGGREGATE TOTAL                                  51816




                             FORM 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:                       1

Form 13F Information Table Entry Total:                161

Form 13F Information Table Value Total:           $ 51,816

List of Other Included Managers:

Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment Managers with respect to which this report is filed,
other than the Manager filing this report.

NONE