SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549



                                   FORM 11-K


[X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF
    1934
                  For the fiscal year ended December 31, 2001

                                                         OR

[ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT
    OF 1934
                  For the transition period from _______ to _______



                       Commission File Number 333-48402



         A. Full title of the plan and the address of the plan, if different
            from that of the issuer named below:

                  Lakeland Financial Corporation 401(k) Plan


         B. Name of issuer of the securities held pursuant to the plan and the
            address of its principal executive office:



                        Lakeland Financial Corporation
                     202 East Center Street, P.O. Box 1387
                          Warsaw, Indiana 46581-1387









                             REQUIRED INFORMATION

         Audited statements of net assets available for benefits of the
Lakeland Financial Corporation 401(k) Plan as of December 31, 2001 and 2000,
and the related statements of changes in net assets available for benefits for
the year ended December 31, 2001 are provided as Exhibit 99.1 to this Form
11-K.






                                  SIGNATURES

         The Plan. Pursuant to the requirements of the Securities Exchange Act
of 1934, the trustees (or other persons who administer the employee benefit
plan) have duly caused this annual report to be signed on its behalf by the
undersigned hereunto duly authorized.




                        LAKELAND FINANCIAL CORPORATION
                                                     401(k) PLAN



Date:    June 28, 2002         By:  Lakeland Financial Corporation, as Trustee
                                      to the Plan

                               By:  /s/Jill A. DeBatty








                  LAKELAND FINANCIAL CORPORATION 401(k) PLAN

                                 EXHIBIT INDEX
                                      TO
                          ANNUAL REPORT ON FORM 11-K

  Exhibit No.               Description                    Sequential
                                                            Page No.
----------------- -------------------------------- ---------------------------
      23.1        Consent of Crowe, Chizek and                 5
                  Company LLP
      99.1        Financial Statements                         6