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                                      April 15, 2003
      (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 5.  Other Information
  
           On April 15, 2003,  the Registrant  issued a press release  regarding
  its earnings for the first quarter ended March 31, 2003.  The press release is
  attached hereto as Exhibit 99.1.
  
  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 April 15, 2003
  
  <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:  April 15, 2003                         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": "03649529"}, "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                                      April 15, 2003
      (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 5.  Other Information
  
           On April 15, 2003,  the Registrant  issued a press release  regarding
  its earnings for the first quarter ended March 31, 2003.  The press release is
  attached hereto as Exhibit 99.1.
  
  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 April 15, 2003
  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:  April 15, 2003                         By:    /s/ David M. Findlay
                                                         David M. Findlay
                                                         Chief Financial Officer