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)                     January 30, 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 5. Other Events and Regulation FD Disclosure

         On January 30, 2004, MutualFirst Financial, Inc. issued the press release attached hereto as Exhibit 99 announcing the date of its upcoming annual meeting of stockholders.

Item 7. Financial Statements and Exhibits.

(c) Exhibits.

99 Press Release dated January 30, 2004











































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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: January 30, 2004By:   /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 January 30, 2004











End.