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                                      April 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 April 15, 2003,  the Registrant  issued a press release  regarding
its earnings for the first quarter ended March 31, 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 April 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:  April 15, 2003                         By:    /s/ David M. Findlay
                                                       David M. Findlay
                                                       Chief Financial Officer