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                                      July 15, 2004
      (Date of earliest event reported)
  
  
                          Lakeland Financial Corporation
              (Exact name of Registrant as specified in its charter)
  
  
                                      Indiana
                  (State or other jurisdiction of incorporation)
  
  
           0-11487                                 35-1559596
      (Commission File Number)         (I.R.S. Employer 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)
  
  
  <PAGE>
  
  Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits
  
           (a)      Financial Statements of Business Acquired.
  
                    None.
  
           (b)      Pro Forma Financial Information.
  
                    None.
  
           (c)      Exhibits.
  
                    99.1     Press Release dated July 15, 2004
  
  Item 12.  Results of Operations and Financial Condition
  
       On July 15, 2004, Lakeland Financial  Corporation issued a press release
  announcing  its  earnings  for the six-months and three-months ended June 30,
  2004. The news release is attached as Exhibit 99.1.
  
  <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:  July 15, 2004                        By:    /s/David M. Findlay
                                                       David M. Findlay
                                                       Chief Financial Officer
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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": "04915171"}, "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                                      July 15, 2004
      (Date of earliest event reported)
  
                          Lakeland Financial Corporation
              (Exact name of Registrant as specified in its charter)
  
                                      Indiana
                  (State or other jurisdiction of incorporation)
  
           0-11487                                 35-1559596
      (Commission File Number)         (I.R.S. Employer 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)
  Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits
  
           (a)      Financial Statements of Business Acquired.
  
                    None.
  
           (b)      Pro Forma Financial Information.
  
                    None.
  
           (c)      Exhibits.
  
                    99.1     Press Release dated July 15, 2004
  
  Item 12.  Results of Operations and Financial Condition
  
       On July 15, 2004, Lakeland Financial  Corporation issued a press release
  announcing  its  earnings  for the six-months and three-months ended June 30,
  2004. The news release is attached as Exhibit 99.1.
  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:  July 15, 2004                        By:    /s/David M. Findlay
                                                       David M. Findlay
                                                       Chief Financial Officer