Mutualfirst Financial (MFSF) 8-K MutualFirst Announces First quarter 2004 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)                     April 22, 2004
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 7. Financial Statements and Exhibits.

(c)	Exhibits.
	99	Press Release dated April 22, 2004

Item 12. Results of Operations and Financial Condition

              On April 22, 2004,MutualFirst Financial, Inc. issued the press release attached hereto as Exhibit 99 and incorporated herein by reference announcing its first quarter 2004 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: April 27, 2004	By:   /s/ David W. Heeter       David W. Heeter        President and Chief Executive Officer

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EXHIBIT INDEX

Exhibit Number	Description
99	Press Release, dated April 22, 2004

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