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)                     July 29, 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 9.  Regulation FD Disclosure

          "Forward Looking Statements: This presentation contains various forward-looking statements which are based on assumptions and describe our future plans and strategies and our expectations. These forward-looking statements are generally identified by words such as "believe," "expect," "intend," "anticipate," "estimate," "project," or similar words. Our ability to predict results or the actual effect of future plans or strategies is uncertain. Factors which could cause actual results to differ materially from those estimated include, but are not limited to, changes in interest rates, general economic conditions, legislative/regulatory changes, monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board, the quality and composition of our loan and investment portfolios, demand for our loan products, deposit flows, our operating expenses, competition, demand for financial services in our market areas and accounting principles and guidelines. These risks and uncertainties should be considered in evaluating forward-looking statements and you should not rely too much on these statements.

          Set forth below are presentation materials.





























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SIGNATURE

        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:     July 29, 2004 By:   /s/ David W. Heeter
       David W. Heeter
       President and Chief Executive
         Officer



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