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                                      July 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 July 15, 2003,  the  Registrant  issued a press release  regarding its
earnings for the six-month and  three-month  periods ended June 30, 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 July 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:  July 15, 2003                          By:    /s/ David M. Findlay
                                                       David M. Findlay
                                                       Chief Financial Officer