SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
[X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT
OF 1934 For the fiscal year ended December 31, 2003
OR
[ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934
For the transition period from _______ to _______
Commission File Number 333-48402
A. Full title of the plan and the address of the plan, if different
from that of the issuer named below:
Lakeland Financial Corporation 401(k) Plan
B. Name of issuer of the securities held pursuant to the plan and
the address of its principal executive office:
Lakeland Financial Corporation
202 East Center Street, P.O. Box 1387
Warsaw, Indiana 46581-1387
REQUIRED INFORMATION
Audited statements of net assets available for benefits of the Lakeland
Financial Corporation 401(k) Plan as of December 31, 2003 and 2002, and the
related statements of changes in net assets available for benefits for the
year ended December 31, 2003 are provided as Exhibit 99.1 to this Form 11-K.
SIGNATURES
The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934,
the trustees (or other persons who administer the employee benefit plan) have
duly caused this annual report to be signed on its behalf by the undersigned
hereunto duly authorized.
LAKELAND FINANCIAL CORPORATION
401(k) PLAN
Date: June 28, 2004 By: Lakeland Financial Corporation,
as Trustee to the Plan
By: /s/ Jill A. DeBatty
LAKELAND FINANCIAL CORPORATION 401(k) PLAN
EXHIBIT INDEX
TO
ANNUAL REPORT ON FORM 11-K
Exhibit Sequential
No. Description Page No.
--------- ------------------------------ -------------------------
23.1 Consent of Crowe Chizek and 5
Company LLC
99.1 Financial Statements 6
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