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                                            August 19, 2004
    (Date of earliest event reported)                         August 19, 2004


                        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     Form of notice, dated August 19, 2004, regarding early
                      termination of blackout period

Item 11.  Temporary Suspension of Trading Under Registrant's Employee Benefit
          Plans

         The blackout period on trading of Lakeland Financial Corporation
equity securities scheduled to continue through August 27, 2004, has ended
early on August 19, 2004. Fidelity Investments, the new record keeper for the
Lakeland Financial Corporation 401(k) Plan, accomplished its transition as
record keeper earlier than expected. Other than the earlier ending date, there
are no material changes in the information contained in the prior report.

         Lakeland notified its directors and executive officers that the
previously announced blackout period has ended early. A copy of the notice
sent to the directors and executive officers is attached as Exhibit 99.1 to
this Form 8-K.










                                  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:  August 19, 2004                        By:  /s/David M. Findlay
                                                       David M. Findlay
                                                       Chief Financial Officer

                           Microsoft Word 10.0.4219;
                  NOTICE TO DIRECTORS AND EXECUTIVE OFFICERS
                       OF LAKELAND FINANCIAL CORPORATION
                            CONCERNING YOUR RIGHTS
                           REGARDING LAKELAND STOCK

                                August 19, 2004

         On June 23, 2004, we notified you that, as a director or executive
officer of Lakeland Financial Corporation ("Lakeland"), you would be
prohibited from conducting certain transactions in Lakeland securities during
Lakeland's transition of record keepers for the Lakeland Financial Corporation
401(k) Plan. Originally, this prohibition was scheduled to terminate on August
27, 2004. Fidelity Investments, the new record keeper for the Lakeland
Financial Corporation 401(k) Plan, accomplished the transition earlier than
expected. Therefore, the blackout period on trading in Lakeland equity
securities is being terminated, effective today, August 19, 2004. Subject to
the other limitations under the securities laws (Section 16 short swing
trading, insider trading, Rule 144, etc.) you are able to effect trades in
Lakeland stock. Pursuant to our insider trading policy, you are still required
to pre-clear all transactions in Lakeland securities with David Findlay.

         Other than the earlier ending date, there are no material changes in
the information contained in the prior notice.

         If you have any questions regarding this notice, you should contact
David Findlay at (574) 267-9197.