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                                                June 23, 2004
     (Date of earliest event reported)                             June 23, 2004
  
  
                          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     Form of notice dated June 23, 2004
  
  Item 11.  Temporary Suspension of Trading Under Registrant's Employee Benefit
    Plans
  
          On June 23, 2004, Lakeland Financial Corporation (the "Lakeland")
  sent a notice to its directors and executive officers informing them that a
  blackout period will be in effect beginning on July 21, 2004 until August 27,
  2004 (unless otherwise extended). The blackout period is a result of a change
  in administrators for the Lakeland Financial Corporation 401(k) Plan. The
  blackout period restricts directors and executive officers from, directly or
  indirectly, purchasing, acquiring, exercising, selling or otherwise
  transferring certain equity securities of Lakeland. The notice was provided to
  the Lakeland's directors and executive officers in accordance with Section 306
  of the Sarbanes-Oxley Act of 2002 and Rule 104 of Regulation BTR.
  
           A copy of the notice is attached as Exhibit 99.1 to this Current
  Report on Form 8-K and is incorporated herein by reference.
  
  
  
  
  
  
  
  <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 23, 2004                           By: /s/ David M. Findlay
                                                      --------------------------
                                                      David M. Findlay
                                                      Chief Financial Officer
metadata_documents: [{"type": "8-K", "sequence": "1", "filename": "lfc8kblackoutperiod.txt", "description": "6/23/04 8-K NOTICE OF BLACKOUT PERIOD", "secsgml_size_bytes": 3054}]
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": "04877996"}, "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                                                June 23, 2004
     (Date of earliest event reported)                             June 23, 2004
  
                          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     Form of notice dated June 23, 2004
  
  Item 11.  Temporary Suspension of Trading Under Registrant's Employee Benefit
    Plans
  
          On June 23, 2004, Lakeland Financial Corporation (the "Lakeland")
  sent a notice to its directors and executive officers informing them that a
  blackout period will be in effect beginning on July 21, 2004 until August 27,
  2004 (unless otherwise extended). The blackout period is a result of a change
  in administrators for the Lakeland Financial Corporation 401(k) Plan. The
  blackout period restricts directors and executive officers from, directly or
  indirectly, purchasing, acquiring, exercising, selling or otherwise
  transferring certain equity securities of Lakeland. The notice was provided to
  the Lakeland's directors and executive officers in accordance with Section 306
  of the Sarbanes-Oxley Act of 2002 and Rule 104 of Regulation BTR.
  
           A copy of the notice is attached as Exhibit 99.1 to this Current
  Report on Form 8-K and is incorporated herein by reference.
  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 23, 2004                           By: /s/ David M. Findlay
                                                      --------------------------
                                                      David M. Findlay
                                                      Chief Financial Officer