Horizon Bancorp (HBNC) 8-K Regulation FD Disclosure

Exhibit 99.1

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 April 30, 2010 at $22.00 per share

**Total assets and deposits as of March 31, 2010

***Horizon closing two branches by September 30, 2010

Horizon’s Corporate Profile

•Shares Outstanding3.3Million

•Market Cap*$72.3 Million

•Total Assets**$1.3 Billion

•Total Deposits**$ 874 Million

•Branches***23

•Ownership

–Insiders10%

–Employee Benefit Plans15%

–Institutional & Mutual Funds22%

Horizon’s Locations

American Trust & Savings Acquisition

•Purchase & Assumption

–Assets ≈ $110 million

–Deposits ≈ $99 million

•Financial

–Accretive to earnings

–Payback is less than three years

–Low risk - asset quality and core deposits

Source: UniformBank Performance Reports.Indiana and Michigan are state averages for all insured
commercial banks.National is all insured commercial banks with assets between $1 billion and $3 billion.

2008

2009

Horizon More Profitable Than State & National Peers
As Measured By Return On Average Assets

1/2

1/2

1/2

1/2

1/2

1/2

Source of Ratings: www.bauerfinancial.com - Telephone: 800.388.6686

Star Ratings as of December 31, 2009 and through April 16, 2010

Horizon is a Top Rated Bank

•Indiana

–Horizon

–Centier

–1st Source

–La Porte Savings

–First Midwest

–Peoples Bank

–Citizens Financial

–Standard Bank

•Michigan

–Chemical

–Flag Star

–Edgewater

–New Buffalo Savings

•Big Banks

–Chase Bank USA

–Bank of America

–5th 3rd

–PNC

–Wells Fargo

Record Earnings - Ten Consecutive Years

CAGR10.29%

Improving Net Interest Margin

Peer Data Source: KBW Report dated March 2010 covering Indiana Publicly Traded Banks; peer data represents
a peer average and is as of December 2009for all periods reviewed.

Horizon Exceeds Peer Average for Efficiency

Steady Asset Growth

CAGR10.1%

CAGR 9.23%

Core Deposit Growth

Loan Quality

Sound Credit Culture

•Team of Seasoned Underwriters

–Average Tenure > 20 years

•Primarily an In-Market and Full Recourse Lender

•Predominately a Secured Lender

•Retail & 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

“LowPercentage” of Development Loans

As a Percent of Total Commercial Loans at December 31, 2009

Dollars in Millions

Diversity in Non-Performing & Real Estate Owned

Non Performing and REO By Classification at December 31, 2009

Dollars in Millions

Horizon Loan Charge-Offs Comparable to Peer

Source: Custom group of 18 publicly traded banks headquartered in the state of Indiana from FDIC Uniform
Bank Performance Reports.

1st Qtr

Horizon Builds Loan Loss Reserve

Horizon Outperforms Peer Group

Non-Performing Loans Plus OREO to Gross Loans Plus OREO

Source: Custom group of 18 publicly traded banks headquartered in the state of Indiana from FDIC Uniform
Bank Performance Reports

1st Qtr

Invest in Horizon

Horizon is Highly Regarded
In Our Communities

•Nine out of Ten Customers - Would Refer a Friend

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

•Best Trust Company - NW Indiana Business Quarterly

•Best Place to Work - NW Indiana Business Quarterly

•Family Friendly Work Policies - Clarian Award

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

Horizon’s Compensation Is Fair
To All Stakeholders

•Say on Pay

•Bonus Plans Directionally Aligned with
Shareholder’s Interests

•Horizon Pays Shareholders First

–No bonuses if earnings fall below a multiple of
approximately 1.5x dividends plus holding company
fixed costs

•Independent Director Compensation Committee

•Third Party Consultant and Engaged Directly by
Director’s Compensation Committee

Horizon has Stable Performance & Growth

•Earnings Growth for Ten Consecutive Years

•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	3.5%	2.3%
Price to Book	69.2%	79.2%
Price to Tangible Book	75.1%	87.5%
Price to Earnings (LTM)	9.2x	16.1x

*Horizon Bancorp data as of March 31, 2010

**Peer Data Source: KBW Report as ofMarch 2010 Covering Indiana Publicly Traded

Horizon is an Attractive Value

Horizon Outperforms Bank Index - One Year

Horizon Outperforms Bank Index - Ten Years

A NASDAQ Traded Company - Symbol HBNC