Mutualfirst Financial (MFSF) 8-K MutualFirst Announces Third Quarter 2003 Earnings

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)                     October 20, 2003
MUTUALFIRST FINANCIAL, INC.(Exact name of registrant as specified in its chapter)
Maryland(State or other jurisdiction of incorporation	000-27905(Commission File Number)	35-2085640(IRS Employer Identification No.)

110 E. Charles Street, Muncie, Indiana(Address of principal executive offices) 47305-2419(Zip Code)

Registrant's telephone number, including area code                      (765) 747-2800              

Not Applicable(Former name or former address, if changed since last report)

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ITEM 12.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

              On October 20, 2003,MutualFirst Financial, Inc. issued the press release attached hereto as Exhibit 99.1, announcingMutualFirst Financial's Third Quarter 2003 Earnings.

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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 thereunto duly authorized.

	MUTUALFIRST FINANCIAL, INC.
Date: October 23, 2003	By:   /s/ R. Donn Roberts       R. Donn Roberts        President and Chief Executive Officer

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EXHIBIT INDEX

Exhibit Number	Description
99.1	Press Release, dated October 20, 2003

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