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, 2004 (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 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, 2004 Item 12. Results of Operations and Financial Condition On April 15, 2004, Lakeland Financial Corporation issued a press release announcing its earnings for the quarter ended March 31, 2004. The news release is attached as Exhibit 99.1. 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, 2004 By: /s/David M. Findlay David M. Findlay Chief Financial Officer