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  <p style=' margin-bottom:4pt; margin-top:0pt;text-align:center;'><b><font SIZE=2>SECURITIES AND EXCHANGE COMMISSION</font></b></p>
  
  <p style=' margin-bottom:14pt; margin-top:0pt;text-align:center;'><b><font SIZE=2>WASHINGTON, D.C.  20549</font></b></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:14pt; margin-top:0pt;text-align:center;'><b><font SIZE=2>FORM 8-K</font></b></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:9pt; margin-top:0pt;text-align:center;'><b><font SIZE=2>CURRENT REPORT</font></b></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Pursuant to Section 13 or 15(d) of</font></p>
  
  <p style=' margin-bottom:12pt; margin-top:0pt;text-align:center;'><font size=2>the Securities Exchange Act of 1934</font></p>
  
  
  <table border="0" cellspacing=0 cellpadding=0 width="99%" style='border-collapse:collapse'>
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          <td valign=top style='padding:0in 5.75pt 0in 5.75pt'>
              <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Date of Report</font></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(Date of earliest event reported)</font></p> </td>
          <td valign=top style='padding:0in 5.75pt 0in 5.75pt'>
              <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>April 11, 2006</font></b></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>April 11, 2006</font></p> </td> </tr></table>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>Lakeland Financial Corporation</font></b></p>
  
  <p style=' margin-bottom:18pt; margin-top:0pt;text-align:center;'><font size=2>(Exact name of Registrant as specified in its charter)</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>Indiana</font></b></p>
  
  <p style=' margin-bottom:18pt; margin-top:0pt;text-align:center;'><font size=2>(State or other jurisdiction of incorporation)</font></p>
  
  
  <table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
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          <td valign=top style='padding:0in 5.4pt 0in 5.4pt'>
              <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0-11487</font></b></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(Commission File Number)</font></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>202 East Center Street, Warsaw, Indiana</font></b></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(Address of principal offices)</font><b></b></p> </td>
          <td valign=top style='padding:0in 5.4pt 0in 5.4pt'>
              <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>35-1559596</font></b></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(I.R.S. Employer Identification Number)</font></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>46581-1387</font></b></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(Zip Code)</font><b></b></p> </td> </tr></table>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>(574) 267-6144</font></b></p>
  
  <p style=' margin-bottom:16pt; margin-top:0pt;text-align:center;'><font size=2>(Registrant&#146;s telephone number, including area code)</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>Not Applicable</font></b></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Former name or former address, if changed since last report)</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:12pt; margin-top:0pt;text-align:justify;'><font size=2>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 (</font><i><font size=2>see</font></i><font size=2> General Instruction A.2 below):</font></p>
  
  <p style=' margin-bottom:6pt; margin-top:0pt;text-align:justify;'><font size=2><font face=Wingdings>o</font>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></p>
  
  <p style=' margin-bottom:6pt; margin-top:0pt;text-align:justify;'><font size=2><font face=Wingdings>o</font>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></p>
  
  <p style=' margin-bottom:6pt; margin-top:0pt;text-align:justify;'><font size=2><font face=Wingdings>o</font>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17&nbsp;FR 240.14d-2(b))</font></p>
  
  <p style=' margin-bottom:6pt; margin-top:0pt;text-align:justify;'><font size=2><font face=Wingdings>o</font>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17&nbsp;FR 240.13e-4(c))</font></p>
  
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  <br>
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  <pAGE>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><b><font size=2>Item 8.01.  Other Information.</font></b></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.5in;text-align:justify;'><font size=2>On April 11, 2006, Lakeland Financial Corporation issued a press release announcing the declaration of a cash dividend of $0.25 per share of common stock payable on April 28, 2006, to stockholders of record on April 21, 2006.  Lakeland Financial Corporation also announced the declaration of a 2-for-1 common stock split, with a pay date of April 28, 2006, to stockholders of record on April 21, 2006.  The cash dividend will be paid on shares outstanding prior to the stock split.  The press release is attached hereto as Exhibit 99.1.</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.5in;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  
  <table border="0" cellspacing=0 cellpadding=0 width="355" style='border-collapse:collapse'>
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              <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0in'><b><font size=2>Item 9.01</font></b></p> </td>
          <td width="259" valign=top >
              <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0in'><b><font size=2>Financial Statements and Exhibits.</font></b></p> </td> </tr></table>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.42in;text-align:justify;'><font size=2>(d)  Exhibits</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  
  <table  border="0" cellspacing=0 cellpadding=0 style='margin-left:60.0pt;border-collapse:collapse'>
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              <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0in'><font size=2>Exhibit 99.1</font></p> </td>
          <td  valign=top >
              <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0in'><font size=2>Press Release of Lakeland Financial Corporation, dated April 11, 2006.  </font></p> </td> </tr></table>
  
  <p style=' margin-bottom:0pt; margin-top:0pt; margin-left:2.58in; text-indent:-1.25in;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:12pt; margin-top:0pt;text-align:justify;'>
  </p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  <br>
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  <p style='page-break-before:always'></p>
  <pAGE>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:18pt; margin-top:0pt;text-align:center;'><b><font SIZE=2>SIGNATURES</font></b></p>
  
  <p style=' margin-bottom:18pt; margin-top:0pt; text-indent:0.5in;text-align:justify;'><font size=2>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.</font></p>
  
  <p style=' margin-bottom:12pt; margin-top:0pt;text-align:justify;'><font size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  
  
  <table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
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              <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:12pt'><font size=1>&nbsp;</font></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:12pt'><font size=2>&nbsp;</font></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:12pt'><font size=2>Dated:  April 11, 2006</font></p> </td>
          <td width="383" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
              <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:12pt'><b><font SIZE=2>LAKELAND FINANCIAL CORPORATION</font></b></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:12pt'><font size=2>&nbsp;</font></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:12pt'><font size=2>By:&nbsp;&nbsp;/s/ David M. Findlay</font></p>
  <p style='margin-left:0pt;text-indent:.5in;text-align:left;margin-top:0pt;margin-bottom:12pt'><font size=2>David M. Findlay</font></p>
  <p style='margin-left:0pt;text-indent:.5in;text-align:left;margin-top:0pt;margin-bottom:12pt'><font size=2>Chief Financial Officer</font></p>
  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0in'><font size=1>&nbsp;</font></p> </td> </tr></table>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:12pt; margin-top:0pt;text-align:justify;'>
  </p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:12pt; margin-top:0pt;text-align:center;'><font size=2>2</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  <br>
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  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:12pt; margin-top:0pt;text-align:center;'><b><font SIZE=2>EXHIBIT INDEX</font></b></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:12pt; margin-top:0pt;text-align:justify;'><u><font size=2>Exhibit Number</font></u></p>
  
  
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              <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0in'><font size=2>99.1</font></p> </td>
          <td width="441" valign=top style='padding:0in 0in 12.0pt 0in'>
              <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0in'><font size=2>Press Release of Lakeland Financial Corporation, dated April 11, 2006.  </font></p> </td> </tr></table>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>
  
  <p style=' margin-bottom:12pt; margin-top:0pt;text-align:center;'><font size=2>3</font></p>
  
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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": "06753042"}, "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)
  April 11, 2006
  April 11, 2006
  Lakeland Financial Corporation
  (Exact name of Registrant as specified in its charter)
  Indiana
  (State or other jurisdiction of incorporation)
  0-11487
  (Commission File Number)
  202 East Center Street, Warsaw, Indiana
  (Address of principal offices)
  35-1559596
  (I.R.S. Employer Identification Number)
  46581-1387
  (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 (
  see
  General Instruction A.2 below):
  o
  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
  o
  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
  o
  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 FR 240.14d-2(b))
  o
  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 FR 240.13e-4(c))
  Item 8.01.  Other Information.
  On April 11, 2006, Lakeland Financial Corporation issued a press release announcing the declaration of a cash dividend of $0.25 per share of common stock payable on April 28, 2006, to stockholders of record on April 21, 2006.  Lakeland Financial Corporation also announced the declaration of a 2-for-1 common stock split, with a pay date of April 28, 2006, to stockholders of record on April 21, 2006.  The cash dividend will be paid on shares outstanding prior to the stock split.  The press release is attached hereto as Exhibit 99.1.
  Item 9.01
  Financial Statements and Exhibits.
  (d)  Exhibits
  Exhibit 99.1
  Press Release of Lakeland Financial Corporation, dated April 11, 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.
  Dated:  April 11, 2006
  LAKELAND FINANCIAL CORPORATION
  By:  /s/ David M. Findlay
  David M. Findlay
  Chief Financial Officer
  2
  EXHIBIT INDEX
  Exhibit Number
  99.1
  Press Release of Lakeland Financial Corporation, dated April 11, 2006.
  3