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                                       October 15, 2003
    (Date of earliest event reported)


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


                                    Indiana
                (State or other jurisdiction of incorporation)


         0-11487                                 35-1559596
    (Commission File Number)         (I.R.S. Employer 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)




Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits

         (a)      Financial Statements of Business Acquired.

                  None.

         (b)      Pro Forma Financial Information.

                  None.

         (c)      Exhibits.

                  99.1     Press Release dated October 15, 2003

Item 12.  Results of Operations and Financial Condition

     On  October  15,  2003,  Lakeland  Financial  Corporation  issued a press
release  announcing its earnings for the quarter ended September 30, 2003. The
news release is attached as Exhibit 99.1.




                                  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, 2003                       By:    /s/David M. Findlay
                                                      David M. Findlay
                                                      Chief Financial Officer