Horizon Bancorp (HBNC) 8-K Regulation FD Disclosure

A NASDAQ Traded Company - Symbol HBNC

Forward-Looking Statements

This presentation may contain forward-
looking statements regarding financial
performance, business prospects, growth
and operating strategies.For these
statements, Horizon claims the protection
of the safe harbor for forward-looking
statements contained in the Private
Securities Litigation Reform Act of 1995.

*Based on price at the close of business on July 28, 2009 at $16.50 per share

**Total assets as of June 30, 2009

Corporate Profile

•SymbolHBNC

•Shares Outstanding3.3 Million Shares

•Market Cap*$ 53 Million

•Total Assets**$ 1.3 Billion

•Ownership

–Insiders10.0%

–ESOP15.6%

–Institutional19.6%

Current Locations

Porter County

Elkhart County

Major Competitors

•Indiana

–Chase

–Fifth Third

–PNC f/k/a National
City

–Centier

–1st Source

–La Porte Savings

–Harris

–First Midwest

–Peoples Bank

–Citizens Financial

•Michigan

–Chase

–Fifth Third

–Chemical

–Flag Star

–1st Source

–Edgewater

–New Buffalo Savings

Financial Highlights

Record Earnings Nine Consecutive Years

Favorable Trend for Comparative Net Income

First Six Months

Six Months Ended June 30

Peer Data Source: KBW Report dated January2009 covering Indiana Publicly Traded Banks; peer data represents a peer average and is 2008 datafor all periods
reviewed.

Horizon Exceeds Peer Average in Efficiency

Steady Earnings Growth Goes Unrewarded

* Twelve month trailing fully diluted EPS

Relative Price Performance Over Time

Balance Sheet

Steady Asset Growth

CAGR11.0%

Diversified Loan Portfolio

June 30, 2004

June 30, 2009

Mortgage
Warehouse

25%

Commercial

34%

Mortgage
18%

Consumer

23%

Mortgage
Warehouse

18%

Mortgage

17%

Consumer

30%

Commercial

35%

“Low Percentage” of Land Development Loans

As a Percent of Total Commercial Loans

June 30, 2009

Owner Occupied RE

$122.7

38%

Non-Owner Occupied RE

$97.4

31%

Other

$10.1

3%

Development &
Spec Land Loans

$12.7

4%

Construction -Spec

Homes

$3.6

1%

Commercial &
Industrial

$66.4

21%

Automotive/RV

$5.6

2%

Dollars In Millions

Primarily a Secured Consumer Lender

As Percent of Total Consumer Loans

June 30, 2009

Other Direct

$37.0

14%

Home Equity
Line of Credit

$75.3

28%

Home Equity
Term

$12.3

5%

Indirect

$147.6

53%

Dollars in Millions

Mortgage Warehouse Loan Volume - Increasing

In Billions

In Millions

In Millions

Conventional Mortgage Volume - Increasing

Stable Core Funding

Recent Growth Funded by Non-Core

Total Funding

Asset Quality

Good Credit Culture

•Team of Seasoned Underwriters

–Average Tenure > 20 years

•Primarily an In Market and Full Recourse Lender

•Secured Loans

•Small Business Focus

–Average Commercial Loan Size Approximately $250,000

•We Manage Lending Limits

–House Limit $10 million

–Legal Limit > $18 million

–Five Loan Relationships with Balances > $5 million

Horizon Outperforms Peer Group

Non-Performing Loans Plus OREO to Gross Loans Plus OREO

Source: Custom group of 23 publicly traded banks headquartered in the state of Indiana from FDIC Uniform
Bank Performance Reports

Non Performing Loans and Other Real Estate Owned

Is Predominately Residential Properties

June 30, 2009

In Millions

Increase Trend in Loan Charge-Offs

Annualized Net Loan Losses to Average Total Loans

Source: Custom group of 23 publicly traded banks headquartered in the state of Indiana from FDIC Uniform Bank Performance Reports

Horizon Out-Performs National Averages
For Consumer Indirect Installment Net Charge-Offs

Invest in Horizon

Third Party - Testimonials

•Best Bank - The News Dispatch Readers Poll -
Nine out of Last Ten Years

•Best Trust Company - Northwest Indiana Times
- Readers Poll

•Family Friendly Work Policies - Clarion
Award

•Ranked in the Top 200 Community Banks
for Financial Performance - US Banker
Magazine - June 2009

Horizon Does Things Right

•Fiduciary Responsibility & Attitude

•Expense Control - Before it Became
Popular

–No Executive Cars

–Annual Report Cost Reduction

•Bonus Plans Aligned with Shareholders

•People First Location Second

•Benchmarking Best Practices

•Six Sigma

Indiana is a Great State

•Indiana

–Balanced Budget

–Fully Funded Capital Improvement Plan

–BP Expansion Plan - Lake County, Indiana

•Illinois

–Budget Deficits

–Increase in Taxes

–Chicago - - Higher Cost of Living

•Michigan

–Budget Deficits

–Higher Unemployment

Stable Performance & Growth

•Stable Earnings Growth

•Diversified Revenue Streams

•Efficient Operations

•Lake Michigan Corridor Primed for Growth

•Super Regional Banks Cutting Back - Market
Share Opportunities

•Opportunities Increasing for Healthy Banks

	Horizon Bancorp	Avg. - Indiana Banks
Dividend Yield (as of07/28/09)	4.1%	2.8%
Price to Book (HBNC - Price as of 07/28/09 &Book Value as of Year-end 06/30/09)	64%	77.4%
Price to Tangible Book (HBNC - Price as of 07/28/09 & Tangible Book Value as of Year-end 06/30/09)	70%	86.6%
Price to Earnings (LTM) (HBNC - Price as of 07/28/09 Twelve Month Trailing Diluted EPS	7.3x	16.5x

Peer Data Source: KBW Report Dated July2009 Covering Indiana Publicly Traded Banks; Peer Data Represents March 31, 2009 for all periods reviewed.

Horizon is an Attractive Value

Horizon Outperforms Bank Index - One Year

Horizon Outperforms Bank Index - Ten Years

Thank You
for
Considering an Investment in
Horizon Bancorp
(HBNC)

A NASDAQ Traded Company - Symbol HBNC