Exhibit 32.1
                           CERTIFICATION PURSUANT TO
                            18 U.S.C. SECTION 1350,
                            AS ADOPTED PURSUANT TO
                 SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Quarterly Report of Lakeland Financial Corporation
(the "Company") on Form 10-Q for the period ending June 30, 2005 as filed with
the  Securities and Exchange  Commission on the date hereof (the "Report),  I,
Michael L. Kubacki, Chief Executive Officer of the Company,  certify, pursuant
to 18 U.S.C.  ss. 1350, as adopted  pursuant to ss. 906 of the  Sarbanes-Oxley
Act of 2002, that:

     (1) The Report fully complies with the  requirements  of section 13(a) or
         15(d) of the Securities Exchange Act of 1934; and

     (2) The  information  contained  in the Report  fairly  presents,  in all
         material respects,  the financial  condition and result of operations
         of the Company.


/s/Michael L. Kubacki

Michael L. Kubacki
Chief Executive Officer
August 1, 2005


     A signed original of this written  statement  required by Section 906 has
been  provided  to  Lakeland  Financial  Corporation  and will be  retained by
Lakeland  Financial  Corporation  and furnished to the Securities and Exchange
Commission or its staff upon request.




                                                                  Exhibit 32.2
                           CERTIFICATION PURSUANT TO
                            18 U.S.C. SECTION 1350,
                            AS ADOPTED PURSUANT TO
                 SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Quarterly Report of Lakeland Financial Corporation
(the "Company") on Form 10-Q for the period ending June 30, 2005 as filed with
the  Securities and Exchange  Commission on the date hereof (the "Report),  I,
David M. Findlay, Chief Financial Officer of the Company, certify, pursuant to
18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the  Sarbanes-Oxley  Act
of 2002, that:

     (1) The Report fully complies with the  requirements  of section 13(a) or
         15(d) of the Securities Exchange Act of 1934; and

     (2) The  information  contained  in the Report  fairly  presents,  in all
         material respects,  the financial  condition and result of operations
         of the Company.



/s/David M. Findlay

David M. Findlay
Chief Financial Officer
August 1, 2005




     A signed original of this written  statement  required by Section 906 has
been  provided  to  Lakeland  Financial  Corporation  and will be  retained by
Lakeland  Financial  Corporation  and furnished to the Securities and Exchange
Commission or its staff upon request.