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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, DC 20549</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CURRENT REPORT<BR>
<BR>
<BR>
<BR>
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</B></P>

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    <TD STYLE="width: 75%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">Date of Report (Date of earliest event reported)<B>&nbsp;</B></TD>
    <TD STYLE="width: 25%; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center">February&nbsp; 6, 2012</TD></TR>
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    <TD COLSPAN="5" STYLE="border-bottom: windowtext 1pt solid; padding: 0.75pt; font-style: italic; font-weight: bold; text-align: center">MUTUALFIRST FINANCIAL, INC.</TD></TR>
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    <TD COLSPAN="5" STYLE="padding: 0.75pt; text-align: center">(Exact name of registrant as specified in its chapter)</TD></TR>
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    <TD COLSPAN="5" STYLE="padding: 0.75pt">&nbsp;</TD></TR>
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    <TD STYLE="width: 32%; padding: 0.75pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Maryland</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 33%; padding: 0.75pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">000-27905</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 33%; padding: 0.75pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">35-2085640</TD></TR>
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    <TD STYLE="padding: 0.75pt; text-align: center">(State or other jurisdiction <BR> of incorporation</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; text-align: center">(Commission <BR> File Number)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; text-align: center">(IRS Employer <BR> Identification No.)</TD></TR>
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    <TD STYLE="width: 66%; vertical-align: bottom; border-bottom: windowtext 1pt solid; padding: 0.75pt; font-weight: bold; text-align: center">110 E. Charles Street, Muncie, Indiana</TD>
    <TD STYLE="width: 1%; vertical-align: top; padding: 0.75pt; font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 33%; vertical-align: bottom; border-bottom: windowtext 1pt solid; padding: 0.75pt; font-weight: bold; text-align: center">47305-2419</TD></TR>
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    <TD STYLE="padding: 0.75pt; vertical-align: bottom; text-align: center">(Address of principal executive offices)</TD>
    <TD STYLE="padding: 0.75pt; vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; vertical-align: bottom; text-align: center">(Zip Code)</TD></TR>
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    <TD STYLE="width: 75%; padding-right: 5.4pt; padding-left: 5.4pt">Registrant's telephone number, including area code</TD>
    <TD STYLE="width: 25%; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center">(765) 747-2800</TD></TR>
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    <TD STYLE="width: 100%; border-bottom: windowtext 1pt solid; padding: 0.75pt; font-weight: bold; text-align: center">Not Applicable</TD></TR>
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    <TD STYLE="padding: 0.75pt; text-align: center">&nbsp;(Former name or former address, if changed since last report)</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">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:</P>

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    <TD STYLE="width: 5%; padding: 0.75pt"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="padding: 0.75pt">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</TD></TR>
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    <TD STYLE="padding: 0.75pt"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="padding: 0.75pt">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD></TR>
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    <TD STYLE="padding: 0.75pt"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="padding: 0.75pt">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</TD></TR>
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    <TD STYLE="padding: 0.75pt"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="padding: 0.75pt">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><U>Item 2.02.&nbsp;&nbsp;Results of Operations and Financial
Condition</U></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">On February 6, 2012 the Registrant issued a
press release announcing results for the fourth quarter ended December 31, 2011. A copy of the press release, including unaudited
financial information released as a part thereof, is attached as Exhibit 99 to this Current Report on Form 8-K and incorporated
by reference herein.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><U>Item 9.01.&nbsp;&nbsp;Financial Statements and Exhibits</U></B></P>

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    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">(d)</TD>
    <TD COLSPAN="2" STYLE="padding: 0.75pt 0.75pt 12pt">Exhibits</TD></TR>
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    <TD STYLE="width: 8%; padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="width: 8%; padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="width: 8%; padding: 0.75pt">99</TD>
    <TD STYLE="padding: 0.75pt 0.75pt 12pt">Press release dated February 6, 2012.</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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
thereunto duly authorized.</P>

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    <TD STYLE="width: 33%; padding: 0.75pt 0.75pt 12pt"><BR STYLE="mso-special-character: line-break"><BR STYLE="mso-special-character: line-break">&nbsp;</TD>
    <TD STYLE="width: 2%; padding: 0.75pt; font-style: italic; font-weight: bold">&nbsp;</TD>
    <TD STYLE="width: 65%; padding: 0.75pt; font-style: italic; font-weight: bold">MUTUALFIRST FINANCIAL, INC.</TD></TR>
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    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD></TR>
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    <TD STYLE="padding: 0.75pt">Date: February 6, 2012</TD>
    <TD STYLE="padding: 0.75pt">By: &nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; padding: 0.75pt">/s/ David W. Heeter</TD></TR>
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    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">David W. Heeter</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">President and Chief Executive Officer</P></TD></TR>
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    <TD STYLE="width: 18%; border-bottom: windowtext 1pt solid; padding: 0.75pt">Exhibit Number</TD>
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    <TD STYLE="width: 81%; border-bottom: windowtext 1pt solid; padding: 0.75pt; text-align: center">Description</TD></TR>
<TR>
    <TD STYLE="padding: 0.75pt">99</TD>
    <TD STYLE="padding: 0.75pt; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">&nbsp;&nbsp;&nbsp;&nbsp;Press Release, dated February 6, 2012</TD></TR>
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 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)
February  6, 2012
MUTUALFIRST FINANCIAL, INC.
(Exact name of registrant as specified in its chapter)
Maryland
000-27905
35-2085640
(State or other jurisdiction
of incorporation
(Commission
File Number)
(IRS Employer
Identification No.)
110 E. Charles Street, Muncie, Indiana
47305-2419
(Address of principal executive offices)
(Zip Code)
Registrant's telephone number, including area code
(765) 747-2800
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)
£
Soliciting 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 February 6, 2012 the Registrant issued a
press release announcing results for the fourth quarter ended December 31, 2011. A copy of the press release, including unaudited
financial information released as a part thereof, is attached as Exhibit 99 to this Current Report on Form 8-K and incorporated
by reference herein.
Item 9.01.  Financial Statements and Exhibits
(d)
Exhibits
99
Press release dated February 6, 2012.
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
thereunto duly authorized.
MUTUALFIRST FINANCIAL, INC.
Date: February 6, 2012
By:
/s/ David W. Heeter
David W. Heeter
President and Chief Executive Officer
EXHIBIT INDEX
Exhibit Number
Description
99
Press Release, dated February 6, 2012