UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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) January 21, 2005

                                 HORIZON BANCORP
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             (Exact Name of Registrant as Specified in Its Charter)

           INDIANA                      000-10792                 35-1562417
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(State or Other Jurisdiction    (Commission File Number)       (IRS Employer
     of Incorporation)                                       Identification No.)

         515 Franklin Square, Michigan City, IN                     46360
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        (Address of Principal Executive Offices)                 (Zip Code)

                                 (219) 879-0211
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              (Registrant's Telephone Number, Including Area Code)


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          (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 (see General Instruction A.2. below):

      [ ] Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)

      [ ] Soliciting 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.

This Current Report on Form 8-K is being filed to furnish the earnings release
issued by the Registrant on January 21, 2005. A copy of the press release is
attached as Exhibit 99.1 to this Current Report. The information disclosed under
this Item 2.02, including Exhibit 99.1 hereto, is being furnished and shall not
be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of
1934, and shall not be deemed incorporated by reference into any filing made
under the Securities Act of 1933, except as expressly set forth by specific
reference in such filing.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

      (c) Exhibits



          EXHIBIT NO.                         DESCRIPTION
                             
             99.1               Press Release issued January 21, 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 hereto duly authorized.

Date:  January 21, 2005              HORIZON BANCORP

                                     By:  /s/ James H. Foglesong
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                                     James H. Foglesong, Chief Financial Officer