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

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

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

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<TR>
    <TD COLSPAN="3" STYLE="padding: 0.75pt; font-size: 10pt">Date of Report (Date of earliest event reported)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;April 20, 2012&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="padding: 0.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>MUTUALFIRST </I>FINANCIAL, INC.</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of registrant as specified in
        its chapter)</P></TD></TR>
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    <TD COLSPAN="3" STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="padding: 0.75pt; width: 33%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Maryland</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(State or other jurisdiction<BR>
        of incorporation</P></TD>
    <TD STYLE="padding: 0.75pt; width: 33%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>000-27905</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Commission<BR>
        File Number)</P></TD>
    <TD STYLE="padding: 0.75pt; width: 33%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>35-2085640</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(IRS Employer<BR>
        Identification No.)</P></TD></TR>
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    <TD STYLE="padding: 0.75pt; width: 60%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>110 E. Charles Street, Muncie, Indiana</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Address of principal executive offices)</P></TD>
    <TD STYLE="padding: 0.75pt; width: 39%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>47305-2419</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Zip Code)</P></TD></TR>
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    <TD COLSPAN="2" STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD></TR>
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    <TD STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD></TR>
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<TR>
    <TD COLSPAN="2" STYLE="padding: 0.75pt; font-size: 10pt">Registrant's telephone number, including area code &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(765) 747-2800&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="padding: 0.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Not Applicable </B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed
        since last report)</P></TD></TR>
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    <TD STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 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">&#168;</FONT>&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.75pt"><FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.75pt"><FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;</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>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.75pt"><FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;</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: 0pt 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: 0pt 0">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On April
20, 2012 the Registrant issued a press release announcing results for the first quarter ended March 31, 2012. 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: 0pt 0"><B><U>Item 9.01.&nbsp;&nbsp;Financial Statements and Exhibits</U></B></P>

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    <TD STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt">(d)</TD>
    <TD COLSPAN="2" STYLE="padding: 0.75pt 0.75pt 12pt; font-size: 10pt">Exhibits</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; padding: 0.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 8%; padding: 0.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 8%; padding: 0.75pt; font-size: 10pt">99</TD>
    <TD STYLE="padding: 0.75pt 0.75pt 12pt; font-size: 10pt">Press release dated April 20, 2012.</TD></TR>
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</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 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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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding: 0; font-size: 10pt"><BR STYLE="mso-special-character: line-break"><BR STYLE="mso-special-character: line-break">&nbsp;</TD>
    <TD STYLE="width: 50%; padding: 0; font-size: 10pt; font-weight: bold"><B><I>MUTUALFIRST</I> FINANCIAL, INC.</B></TD></TR>
<TR>
    <TD STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD></TR>
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    <TD STYLE="padding: 0.75pt; font-size: 10pt">Date: April 20, 2012</TD>
    <TD STYLE="padding: 0.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By: <U>&nbsp; /s/ David W. Heeter&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;David W. Heeter<BR>
        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;President and Chief Executive Officer</P></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>EXHIBIT INDEX</B></P>

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    <TD STYLE="width: 15%; padding: 0; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Exhibit Number&nbsp;</P></TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%; padding: 0; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Description&nbsp;</P></TD></TR>
<TR>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR>
    <TD STYLE="padding: 0; font-size: 10pt">99</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; font-size: 10pt">Press Release, dated April 20, 2012</TD></TR>
</TABLE>


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{"company-data": {"conformed-name": "MUTUALFIRST FINANCIAL INC", "cik": "0001094810", "assigned-sic": "6022", "irs-number": "371392810", "state-of-incorporation": "MD", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-27905", "film-number": "12770270"}, "business-address": {"street1": "110 E CHARLES STREET", "city": "MUNCIE", "state": "IN", "zip": "47305", "phone": "7657472800"}, "mail-address": {"street1": "110 E CHARLES STREET", "city": "MUNCIE", "state": "IN", "zip": "47305"}, "former-company": {"former-conformed-name": "MFS FINANCIAL INC", "date-changed": "19990910"}}
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)
April 20, 2012
MUTUALFIRST
FINANCIAL, INC.
(Exact name of registrant as specified in
        its chapter)
Maryland
(State or other jurisdiction
of incorporation
000-27905
(Commission
File Number)
35-2085640
(IRS Employer
Identification No.)
110 E. Charles Street, Muncie, Indiana
(Address of principal executive offices)
47305-2419
(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 April
20, 2012 the Registrant issued a press release announcing results for the first quarter ended March 31, 2012. 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 April 20, 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: April 20, 2012
By:
/s/ David W. Heeter
David W. Heeter
President and Chief Executive Officer
EXHIBIT INDEX
Exhibit Number
Description
99
Press Release, dated April 20, 2012