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 18, 2005
  
  
                          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  18,  2005,  Lakeland  Financial  Corporation  issued a press
  release announcing its earnings for the year ended December 31, 2004. The news
  release is attached as Exhibit 99.1.
  
  Item 9.01.  Financial Statements and Exhibits
  
       (c) Exhibits
  
           99.1  Press Release dated January 18, 2005
  
  <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 18, 2005                        By:  /s/David M. Findlay
                                                       David M. Findlay
                                                       Chief Financial Officer
metadata_documents: [{"type": "8-K", "sequence": "1", "filename": "lkfn12048k.txt", "secsgml_size_bytes": 2645}]
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": "05533578"}, "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 18, 2005
  
                          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  18,  2005,  Lakeland  Financial  Corporation  issued a press
  release announcing its earnings for the year ended December 31, 2004. The news
  release is attached as Exhibit 99.1.
  
  Item 9.01.  Financial Statements and Exhibits
  
       (c) Exhibits
  
           99.1  Press Release dated January 18, 2005
  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 18, 2005                        By:  /s/David M. Findlay
                                                       David M. Findlay
                                                       Chief Financial Officer