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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 18pt; FONT-FAMILY: Times New Roman">SECURITIES
  AND EXCHANGE COMMISSION</font></div>
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  o</font>f <font style="DISPLAY: inline; FONT-SIZE: 10pt">the</font></font></div>
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  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:</font></div>
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                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">[&#160;&#160;]&#160;&#160;Pre-commencement
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                <div><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;
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                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">[&#160;&#160;]&#160;&#160;Pre-commencement
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        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
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      </div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
  2.02. Results of Operations and Financial Condition</font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On
  January 25, 2010, Lakeland Financial Corporation issued a press release
  announcing its earnings for the three-months and twelve-months ended December
  31, 2009. The news release is attached as Exhibit 99.1.</font></div>
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              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(d)</font></div>
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      <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
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  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.</font></div>
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  25,
  2010&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;By:&#160;&#160;/s/David M. Findlay</font></div>
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  David M. Findlay</font></div>
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  Chief Financial Officer</font></div><br>
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text: form8-k.htm
  SECURITIES
  AND EXCHANGE COMMISSION
  WASHINGTON,
  D.C. 20549
  ______________
  FORM
  8-K
  ______________
  CURRENT
  REPORT
  Pursuant to Section 13 or 15(d)
  o
  f
  the
  Securities
  Exchange Act of 1934
  Date
  of Report (Date of earliest event reported) January 25, 2010
  ______________
  Lakeland
  Financial Corporation
  (Exact
  name of Registrant as specified in its charter)
  ______________
  Indiana
  0-11487
  35-1559596
  (State
        or other jurisdiction
  (Commission
        File Number)
  (IRS
        Employer
  Of
        incorporation)
  Identification
        No.)
  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)
  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)
  [  ]  Solicitation
        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
  January 25, 2010, Lakeland Financial Corporation issued a press release
  announcing its earnings for the three-months and twelve-months ended December
  31, 2009. The news release is attached as Exhibit 99.1.
  Item
  9.01. Financial Statements and Exhibits
  (d)
  Exhibits
  99.1  Press
  Release dated January 25, 2010
  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:  January
  25,
  2010                                                                                                                                                                            By:  /s/David M. Findlay
  David M. Findlay
  Chief Financial Officer