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                                            August 19, 2004
      (Date of earliest event reported)                         August 19, 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 August 19, 2004, regarding early
                        termination of blackout period
  
  Item 11.  Temporary Suspension of Trading Under Registrant's Employee Benefit
            Plans
  
           The blackout period on trading of Lakeland Financial Corporation
  equity securities scheduled to continue through August 27, 2004, has ended
  early on August 19, 2004. Fidelity Investments, the new record keeper for the
  Lakeland Financial Corporation 401(k) Plan, accomplished its transition as
  record keeper earlier than expected. Other than the earlier ending date, there
  are no material changes in the information contained in the prior report.
  
           Lakeland notified its directors and executive officers that the
  previously announced blackout period has ended early. A copy of the notice
  sent to the directors and executive officers is attached as Exhibit 99.1 to
  this Form 8-K.
  
  
  
  
  
  
  
  <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:  August 19, 2004                        By:  /s/David M. Findlay
                                                         David M. Findlay
                                                         Chief Financial Officer
metadata_documents: [{"type": "8-K", "sequence": "1", "filename": "lfc8kblackoutearlyterm.txt", "description": "08/19/04 8-K NOTICE OF BLACKOUT EARLY TERMINATION", "secsgml_size_bytes": 2847}]
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": "04988471"}, "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                                            August 19, 2004
      (Date of earliest event reported)                         August 19, 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 August 19, 2004, regarding early
                        termination of blackout period
  
  Item 11.  Temporary Suspension of Trading Under Registrant's Employee Benefit
            Plans
  
           The blackout period on trading of Lakeland Financial Corporation
  equity securities scheduled to continue through August 27, 2004, has ended
  early on August 19, 2004. Fidelity Investments, the new record keeper for the
  Lakeland Financial Corporation 401(k) Plan, accomplished its transition as
  record keeper earlier than expected. Other than the earlier ending date, there
  are no material changes in the information contained in the prior report.
  
           Lakeland notified its directors and executive officers that the
  previously announced blackout period has ended early. A copy of the notice
  sent to the directors and executive officers is attached as Exhibit 99.1 to
  this Form 8-K.
  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:  August 19, 2004                        By:  /s/David M. Findlay
                                                         David M. Findlay
                                                         Chief Financial Officer