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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>
</B></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Date of Report (Date of earliest event reported)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>August
16, 2012</U></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 14pt"><B><I>MUTUALFIRST
</I>FINANCIAL, INC.</B></FONT></P>

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<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>

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<TABLE ALIGN="CENTER" CELLSPACING="3" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; border-bottom: Black 1pt solid; padding-left: 0.75pt; font-weight: bold; text-align: center; width: 32%">Maryland</TD>
    <TD STYLE="width: 2%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; border-bottom: Black 1pt solid; padding-left: 0.75pt; font-weight: bold; text-align: center; width: 32%">000-27905</TD>
    <TD STYLE="width: 2%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; border-bottom: Black 1pt solid; padding-left: 0.75pt; font-weight: bold; text-align: center; width: 32%">35-2085640</TD></TR>
<TR>
    <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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<TABLE ALIGN="CENTER" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; border-bottom: Black 1pt solid; padding-left: 0.75pt; font-weight: bold; text-align: center; width: 66%">110 E. Charles Street, Muncie, Indiana</TD>
    <TD STYLE="vertical-align: top; padding: 0.75pt 0.75pt 1pt; font-weight: bold; text-align: center; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; border-bottom: Black 1pt solid; padding-left: 0.75pt; font-weight: bold; text-align: center; width: 32%">47305-2419</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding: 0.75pt; text-align: center">(Address of principal executive offices)</TD>
    <TD STYLE="vertical-align: top; padding: 0.75pt; font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0.75pt; text-align: center">(Zip Code)</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">Registrant's telephone number, including area code &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>(765)
747-2800</U></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Not Applicable </B></P>

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<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>

<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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt; margin-left: 0; text-indent: 0; text-align: justify">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: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">Written communications pursuant to Rule 425 under the Securities
Act (17 CFR 230.425)</TD>
</TR></TABLE>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">Soliciting material pursuant to Rule 14a-12 under the Exchange
Act (17 CFR 240.14a-12)</TD>
</TR></TABLE>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">Pre-commencement communications pursuant to Rule 14d-2(b)
under the Exchange Act (17 CFR 240.14d-2(b))</TD>
</TR></TABLE>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">Pre-commencement communications pursuant to Rule 13e-4(c)
under the Exchange Act (17 CFR 240.13e-4(c))</TD>
</TR></TABLE>

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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"><B><U>Item 8.01.&nbsp;&nbsp;Other Events</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On August 16, 2012, the Registrant issued
a press release announcing its third quarter dividend. A copy of the press release is attached as Exhibit 99 to this Current Report
on Form 8-K and incorporated by reference herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<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>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</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>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="width: 5%; padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="width: 5%; padding: 0.75pt">99</TD>
    <TD STYLE="padding: 0.75pt 0.75pt 12pt; width: 85%">Press release dated August 16, 2012.</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; 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>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 0; margin-top: 0pt; margin-bottom: 6pt">&nbsp;</P>

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<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2"><B><I>MUTUALFIRST</I> FINANCIAL, INC.</B></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; width: 50%">Date: August 16, 2012&nbsp;</TD>
    <TD STYLE="width: 4%">By:&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 46%">/s/ David W. Heeter</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: #000000 1px solid">David W. Heeter
<BR>
President and Chief Executive Officer</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><BR STYLE="mso-special-character: line-break">
<BR STYLE="mso-special-character: line-break">
</P>

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

<TABLE CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR>
    <TD STYLE="width: 15%; padding-top: 0.75pt; padding-right: 0.75pt; border-bottom: Black 1pt solid; padding-left: 0.75pt">Exhibit Number</TD>
    <TD STYLE="width: 2%; vertical-align: top; padding: 0.75pt 0.75pt 1pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 83%; padding-top: 0.75pt; padding-right: 0.75pt; border-bottom: Black 1pt solid; padding-left: 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 August 16, 2012</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



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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)
August
16, 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))
1
Item 8.01.  Other Events
On August 16, 2012, the Registrant issued
a press release announcing its third quarter dividend. A copy of the press release 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 August 16, 2012.
2
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: August 16, 2012
By:
/s/ David W. Heeter
David W. Heeter
President and Chief Executive Officer
3
EXHIBIT INDEX
Exhibit Number
Description
99
Press Release, dated August 16, 2012
4