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)          April 15, 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 April 15, 2005, Lakeland Financial  Corporation issued a press release
  announcing its earnings for the quarter ended March 31, 2005. The news release
  is attached as Exhibit 99.1.
  
  Item 9.01.  Financial Statements and Exhibits
  
       (c)  Exhibits
  
            99.1  Press Release dated April 15, 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:  April 15, 2005                          By:    /s/David M. Findlay
                                                         David M. Findlay
                                                         Chief Financial Officer
metadata_documents: [{"type": "8-K", "sequence": "1", "filename": "lkfn03058k.txt", "secsgml_size_bytes": 2638}]
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": "05752517"}, "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 15, 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 April 15, 2005, Lakeland Financial  Corporation issued a press release
  announcing its earnings for the quarter ended March 31, 2005. The news release
  is attached as Exhibit 99.1.
  
  Item 9.01.  Financial Statements and Exhibits
  
       (c)  Exhibits
  
            99.1  Press Release dated April 15, 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:  April 15, 2005                          By:    /s/David M. Findlay
                                                         David M. Findlay
                                                         Chief Financial Officer