1. Name and Address of Reporting Person
Bartels, Jr, Robert E.
Martin's Super Markets
P.O. Box 2709
South Bend, IN 46680
2. Date of Event Requiring Statement (Month/Day/Year)
12/10/2002
3. IRS or Social Security Number of Reporting Person (Voluntary)
4. Issuer Name and Ticker or Trading Symbol
Lakeland Financial Corporation (LKFN)
5. Relationship of Reporting Person(s) to Issuer (Check all applicable)
(X) Director ( ) 10% Owner
( ) Officer (give title below) ( ) Other (specify below)
6. If Amendment, Date of Original (Month/Day/Year)
7. Individual or Joint/Group Filing (Check Applicable Line)
(X) Form filed by One Reporting Person
( ) Form filed by More than One Reporting Person
TABLE I -- Non-Derivative Securities Beneficially Owned
+------------------------------------------+----------------------+----------------+-----------------------------------------------+
|1. Title of Security |2. Amount of |3. Ownership |4. Nature of Indirect Beneficial Ownership |
| | Securities | Form: | |
| | Beneficially Owned | Direct(D) or | |
| | | Indirect(I) | |
+------------------------------------------+----------------------+----------------+-----------------------------------------------+
TABLE II -- Derivative Securities Beneficially Owned
+-----------------------+---------------------+---------------------------------+----------+-------------+-------------------------+
|1.Title of Derivative |2.Date Exercisable |3.Title and Amount of Securities |4.Conver- |5.Ownership |6. Nature of Indirect |
| Security | and Expiration Date| Underlying Derivative | sion or | Form of | Beneficial Ownership |
| | (Month/Day/Year) | Security | Exercise | Derivative | |
| +----------+----------+-----------------------+---------+ Price of | Security: | |
| | Date | Expira- | |Amount or| Deri- | Direct(D) or| |
| | Exer- | tion | Title |Number of| vative | Indirect(I) | |
| | cisable | Date | |Shares | Security | | |
+-----------------------+----------+----------+-----------------------+---------+----------+-------------+-------------------------+
Explanation of Responses:
SIGNATURE OF REPORTING PERSON
/s/ Teresa A. Bartman, Attorney-in-fact
DATE
12/16/2002