content: 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 (Date of earliest event reported)             January 17, 2006
  
  
                          Lakeland Financial Corporation
              (Exact name of Registrant as specified in its charter)
  
  
            Indiana                  0-11487                  35-1559596
   (State or other jurisdiction  (Commission file            (I.R.S. Employer
         of incorporation)             Number)             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)
  
  
                                  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)
  
  <PAGE>
  
  
  Item 2.02.  Results of Operations and Financial Condition
  
       On  January  17,  2006,  Lakeland  Financial  Corporation  issued a press
  release  announcing its earnings for the twelve-months and three-months  ended
  December 31, 2005. The news release is attached as Exhibit 99.1.
  
  
  Item 5.02.  Departure of Directors or Principal Officers; Election of
              Directors; Appointment of Principal Officers.
  
       On  January  10,  2006,  the board of  directors  of  Lakeland  Financial
  Corporation  (the "Company")  approved an increase in the number of authorized
  directors of the Company from eleven (11) to twelve (12) directors.  The board
  of directors then unanimously  appointed George B. Huber as a director to fill
  the vacancy  created by the  increase.  Mr. Huber is currently  President  and
  founder  of Equity  Investment  Group,  Inc.  (EIG),  a national  real  estate
  investment and management company involved primarily in retail shopping center
  properties.  Mr.  Huber is also  President of Murphy &  Associates,  a Midwest
  commercial real estate investment and management company involved primarily in
  commercial  office  properties.  Mr.  Huber  was  appointed  to the  class  of
  directors  with terms  expiring  at the 2006 annual  meeting of the  Company's
  shareholders.  At the 2006 annual meeting, Mr. Huber will be a Company nominee
  for director to serve for a full  three-year  term. Mr. Huber was appointed to
  the  Credit  and  Investment  committee  of the  board.  There  are  no  other
  arrangements or understandings between Mr. Huber and any other person pursuant
  to which Mr. Huber was selected as a director.
  
  
  Item 9.01.  Financial Statements and Exhibits
  
       (c)    Exhibits
  
              99.1  Press Release dated January 17, 2006
  
  
  
  <PAGE>
  
  
                                    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 17, 2006                       By: /s/David M. Findlay
                                                        David M. Findlay
                                                        Chief Financial Officer
metadata_documents: [{"type": "8-K", "sequence": "1", "filename": "lkfn12058k.txt", "secsgml_size_bytes": 4046}]
metadata_filer: {"company-data": {"conformed-name": "LAKELAND FINANCIAL CORP", "cik": "0000721994", "assigned-sic": "6022", "irs-number": "351559596", "state-of-incorporation": "IN", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-11487", "film-number": "06531962"}, "business-address": {"street1": "202 E CENTER ST", "street2": "P O BOX 1387", "city": "WARSAW", "state": "IN", "zip": "46581-1387", "phone": "5742676144"}, "mail-address": {"street1": "202 E CENTER ST", "street2": "PO BOX 1387", "city": "WARSAW", "state": "IN", "zip": "46581"}}
text: 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 (Date of earliest event reported)             January 17, 2006
  
                          Lakeland Financial Corporation
              (Exact name of Registrant as specified in its charter)
  
            Indiana                  0-11487                  35-1559596
   (State or other jurisdiction  (Commission file            (I.R.S. Employer
         of incorporation)             Number)             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)
  
                                  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  17,  2006,  Lakeland  Financial  Corporation  issued a press
  release  announcing its earnings for the twelve-months and three-months  ended
  December 31, 2005. The news release is attached as Exhibit 99.1.
  
  Item 5.02.  Departure of Directors or Principal Officers; Election of
              Directors; Appointment of Principal Officers.
  
       On  January  10,  2006,  the board of  directors  of  Lakeland  Financial
  Corporation  (the "Company")  approved an increase in the number of authorized
  directors of the Company from eleven (11) to twelve (12) directors.  The board
  of directors then unanimously  appointed George B. Huber as a director to fill
  the vacancy  created by the  increase.  Mr. Huber is currently  President  and
  founder  of Equity  Investment  Group,  Inc.  (EIG),  a national  real  estate
  investment and management company involved primarily in retail shopping center
  properties.  Mr.  Huber is also  President of Murphy &  Associates,  a Midwest
  commercial real estate investment and management company involved primarily in
  commercial  office  properties.  Mr.  Huber  was  appointed  to the  class  of
  directors  with terms  expiring  at the 2006 annual  meeting of the  Company's
  shareholders.  At the 2006 annual meeting, Mr. Huber will be a Company nominee
  for director to serve for a full  three-year  term. Mr. Huber was appointed to
  the  Credit  and  Investment  committee  of the  board.  There  are  no  other
  arrangements or understandings between Mr. Huber and any other person pursuant
  to which Mr. Huber was selected as a director.
  
  Item 9.01.  Financial Statements and Exhibits
  
       (c)    Exhibits
  
              99.1  Press Release dated January 17, 2006
  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 17, 2006                       By: /s/David M. Findlay
                                                        David M. Findlay
                                                        Chief Financial Officer