UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

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                                    FORM 13F

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                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:  September 30, 2009

Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [  ] is a restatement.
                                  [  ] adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:             TERRY L BLAKER
Address:          200 EAST JACKSON STREET
                  MUNCIE, IN   47305

13F File Number:  28-

The institutional  investment  manager filing this report and the person by whom
it is signed hereby  represent  that the person signing the report is authorized
to  submit  it,  that all  information  contained  herein is true,  correct  and
complete,  and  that it is  understood  that  all  required  items,  statements,
schedules, lists, and tables, are considered integral parts of this form.

Person signing this Report on Behalf of Reporting Manager:

Name:             Terry L Blaker
Title:            Senior Vice President
Phone:            (765) 747-1570

Signature, Place, and Date of Signing:

                  Terry L Blaker          Muncie, IN         October 6, 2009

Report Type (Check only one.):

[X]    13F HOLDING REPORT.
[ ]    13F NOTICE.
[ ]    COMBINATION REPORT.

FORM 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: None Form 13F Information Table Entry Total: 228 Form 13F Information Table Value Total: $220,985,000 List of Other Included Managers: None

FORM 13F INFORMATION TABLE VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE - ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- -------- ACCENTURE PLC COM G1151C101 1093 29335 SH SOLE 29035 300 0 ACCENTURE PLC COM G1151C101 70 1890 SH DEFINED 1890 0 0 NOBLE CORPORATION COM H5833N103 612 16130 SH SOLE 16055 75 0 NOBLE CORPORATION COM H5833N103 48 1260 SH DEFINED 1260 0 0 AFLAC INC COM 001055102 372 8700 SH SOLE 8475 225 0 AFLAC INC COM 001055102 2 50 SH DEFINED 50 0 0 AT&T INC COM 00206R102 3261 120785 SH SOLE 120478 75 232 AT&T INC COM 00206R102 229 8484 SH DEFINED 5099 0 3385 ABBOTT LABS COM 002824100 3758 75962 SH SOLE 74812 1050 100 ABBOTT LABS COM 002824100 138 2780 SH DEFINED 2180 0 600 ALBERTO CULVER CO NEW COM 013078100 665 24030 SH SOLE 23480 550 0 ALBERTO CULVER CO NEW COM 013078100 22 790 SH DEFINED 790 0 0 ALLIANT CORP COM 018802108 1025 36825 SH SOLE 36325 500 0 ALLIANT CORP COM 018802108 43 1530 SH DEFINED 1280 0 250 AMPHENOL CORPORATION 032095101 239 6340 SH SOLE 6340 0 0 AMPHENOL CORPORATION 032095101 9 230 SH DEFINED 230 0 0 APACHE CORP COM 037411105 719 7825 SH SOLE 7425 400 0 APACHE CORP COM 037411105 18 200 SH DEFINED 200 0 0 AUTOMATIC DATA PROCESSING COM 053015103 4796 122056 SH SOLE 120756 1150 150 AUTOMATIC DATA PROCESSING COM 053015103 58 1465 SH DEFINED 1465 0 0 BB & T CORPORATION COM 054937107 261 9585 SH SOLE 9585 0 0 BB & T CORPORATION COM 054937107 29 1050 SH DEFINED 50 0 1000 BP PLC - SPONS ADR 055622104 2949 55412 SH SOLE 55037 375 0 BP PLC - SPONS ADR 055622104 1739 32683 SH DEFINED 22183 0 10500 BAKER HUGHES INC COM 057224107 1231 28865 SH SOLE 28465 400 0 BAKER HUGHES INC COM 057224107 46 1070 SH DEFINED 1070 0 0 BALL CORP COM 058498106 2172 44138 SH SOLE 44138 0 0 BANK OF AMERICA CORP COM 060505104 106 6275 SH SOLE 5675 300 300 BANK OF AMERICA CORP COM 060505104 71 4200 SH DEFINED 2900 0 1300 BANK OF NEW YORK MELLON CORPCOM 064058100 1002 34591 SH SOLE 34041 550 0 BANK OF NEW YORK MELLON CORPCOM 064058100 22 750 SH DEFINED 750 0 0 BAXTER INTERNATIONAL INC COM 071813109 1593 27950 SH SOLE 27870 50 30 BAXTER INTERNATIONAL INC COM 071813109 53 925 SH DEFINED 925 0 0 BECTON DICKINSON & CO COM 075887109 970 13905 SH SOLE 13645 230 30 BECTON DICKINSON & CO COM 075887109 38 540 SH DEFINED 540 0 0 BED BATH & BEYOND COM 075896100 487 12985 SH SOLE 12985 0 0 BED BATH & BEYOND COM 075896100 32 860 SH DEFINED 860 0 0 BEST BUY COMPANY INC COM 086516101 901 24007 SH SOLE 23607 400 0 BEST BUY COMPANY INC COM 086516101 33 878 SH DEFINED 878 0 0 CATERPILLAR INC. COM 149123101 863 16812 SH SOLE 16162 650 0 CATERPILLAR INC. COM 149123101 18 356 SH DEFINED 356 0 0 CHEVRON CORP COM 166764100 5675 80577 SH SOLE 79252 825 500 CHEVRON CORP COM 166764100 201 2855 SH DEFINED 1855 0 1000 CHUBB CORP COM 171232101 1463 29037 SH SOLE 28637 400 0 CHUBB CORP COM 171232101 55 1090 SH DEFINED 1090 0 0 CISCO SYSTEMS COM 17275R102 2237 95070 SH SOLE 93770 1100 200 CISCO SYSTEMS COM 17275R102 29 1225 SH DEFINED 1225 0 0 CITIGROUP INC COM 172967101 51 10507 SH SOLE 10507 0 0 CITIGROUP INC COM 172967101 7 1500 SH DEFINED 1200 0 300 CITY NATIONAL COM 178566105 327 8390 SH SOLE 8040 350 0 CITY NATIONAL COM 178566105 47 1210 SH DEFINED 1210 0 0 COCA COLA CO COM 191216100 1231 22925 SH SOLE 22925 0 0 COCA COLA CO COM 191216100 5 100 SH DEFINED 100 0 0 COLGATE PALMOLIVE CO COM 194162103 1431 18766 SH SOLE 17916 850 0 COLGATE PALMOLIVE CO COM 194162103 141 1850 SH DEFINED 250 0 1600 CONOCOPHILLIPS COM 20825C104 1861 41220 SH SOLE 40320 900 0 CONOCOPHILLIPS COM 20825C104 84 1850 SH DEFINED 1850 0 0 COVANCE INC COM 222816100 672 12405 SH SOLE 11705 700 0 COVANCE INC COM 222816100 23 425 SH DEFINED 425 0 0 CULLEN FROST BANKERS COM 229899109 705 13650 SH SOLE 13300 350 0 CULLEN FROST BANKERS COM 229899109 26 510 SH DEFINED 510 0 0 DNP SELECT INCOME FUND 23325P104 597 66968 SH SOLE 64938 1030 1000 DNP SELECT INCOME FUND 23325P104 32 3600 SH DEFINED 3600 0 0 DANAHER CORP COM 235851102 1163 17285 SH SOLE 16685 600 0 DANAHER CORP COM 235851102 47 700 SH DEFINED 700 0 0 DEERE & CO COM 244199105 207 4835 SH SOLE 4835 0 0 DEERE & CO COM 244199105 24 550 SH DEFINED 550 0 0 DISNEY WALT COMPANY COM 254687106 1670 60854 SH SOLE 60779 75 0 DISNEY WALT COMPANY COM 254687106 8 300 SH DEFINED 300 0 0 DONALDSON INC COM 257651109 861 24853 SH SOLE 24313 500 40 DONALDSON INC COM 257651109 17 500 SH DEFINED 500 0 0 DU PONT E I DE NEMOURS COM 263534109 983 30592 SH SOLE 29842 750 0 DU PONT E I DE NEMOURS COM 263534109 36 1120 SH DEFINED 920 0 200 ECOLAB INC COM 278865100 923 19965 SH SOLE 19515 450 0 ECOLAB INC COM 278865100 14 300 SH DEFINED 300 0 0 EMERSON ELEC CO COM 291011104 4007 100001 SH SOLE 99101 800 100 EMERSON ELEC CO COM 291011104 207 5170 SH DEFINED 3170 0 2000 ENDO PHARM HLDG INC COM 29264F205 783 34625 SH SOLE 33925 700 0 ENDO PHARM HLDG INC COM 29264F205 14 640 SH DEFINED 640 0 0 EXELON CORP COM 30161N101 414 8350 SH SOLE 8350 0 0 EXELON CORP COM 30161N101 58 1178 SH DEFINED 1178 0 0 EXXON MOBIL CORP COM 30231G102 7148 104189 SH SOLE 103249 790 150 EXXON MOBIL CORP COM 30231G102 892 13005 SH DEFINED 10957 0 2048 FPL GROUP INC COM 302571104 1514 27411 SH SOLE 26661 750 0 FPL GROUP INC COM 302571104 198 3577 SH DEFINED 1577 0 2000 FIRST MERCHANTS CORP COM 320817109 1277 183155 SH SOLE 182053 1102 0 FIRST MERCHANTS CORP COM 320817109 81 11587 SH DEFINED 11587 0 0 GENERAL ELECTRIC CO COM 369604103 3051 185947 SH SOLE 182797 2250 900 GENERAL ELECTRIC CO COM 369604103 220 13425 SH DEFINED 6025 0 7400 GRACO INC COM 384109104 967 34710 SH SOLE 34460 250 0 GRACO INC COM 384109104 22 780 SH DEFINED 780 0 0 HARRIS CORP DEL COM 413875105 1598 42520 SH SOLE 41970 550 0 HARRIS CORP DEL COM 413875105 64 1705 SH DEFINED 1705 0 0 HEINZ H J CO COM 423074103 131 3300 SH SOLE 3300 0 0 HEINZ H J CO COM 423074103 99 2500 SH DEFINED 1000 0 1500 HENRY JACK & ASSOCIATES COM 426281101 587 25015 SH SOLE 25015 0 0 HENRY JACK & ASSOCIATES COM 426281101 11 465 SH DEFINED 465 0 0 HEWLETT PACKARD CO COM 428236103 2884 61109 SH SOLE 60909 0 200 HEWLETT PACKARD CO COM 428236103 144 3050 SH DEFINED 3050 0 0 ITT CORPORATION COM 450911102 231 4425 SH SOLE 4425 0 0 ITT CORPORATION COM 450911102 19 370 SH DEFINED 370 0 0 INTEL CORP COM 458140100 3165 161812 SH SOLE 159112 2700 0 INTEL CORP COM 458140100 29 1500 SH DEFINED 500 0 1000 INTL BUSINESS MACHINES CORP COM 459200101 2651 22162 SH SOLE 21812 350 0 INTL BUSINESS MACHINES CORP COM 459200101 47 395 SH DEFINED 395 0 0 I SHARES BARCLAYS AGGREGATE ETF 464287226 369 3517 SH SOLE 3517 0 0 MSCI EMERGING MARKET INDEX 464287234 336 8633 SH SOLE 8633 0 0 MSCI EAFE INDEX SHARES 464287465 3771 68974 SH SOLE 67599 1225 150 MSCI EAFE INDEX SHARES 464287465 26 483 SH DEFINED 483 0 0 BIOTECHNOLOGY I SHARES COM 464287556 1925 23655 SH SOLE 23030 625 0 BIOTECHNOLOGY I SHARES COM 464287556 46 570 SH DEFINED 570 0 0 S&P 400 MIDCAP GROWTH ISHARES 464287606 1638 22205 SH SOLE 22205 0 0 S&P 400 MIDCAP GROWTH ISHARES 464287606 87 1177 SH DEFINED 1177 0 0 ISHARES RUSSELL 2000 I SHARES 464287655 800 13277 SH SOLE 12857 420 0 ISHARES RUSSELL 2000 I SHARES 464287655 17 285 SH DEFINED 285 0 0 S&P 400 MIDCAP VALUE ISHARES 464287705 1882 29886 SH SOLE 29564 0 322 S&P 400 MIDCAP VALUE ISHARES 464287705 110 1747 SH DEFINED 1747 0 0 I SHARES S&P SMALL CAP 600 COM 464287804 1613 30822 SH SOLE 29906 580 336 I SHARES S&P SMALL CAP 600 COM 464287804 87 1660 SH DEFINED 1660 0 0 S&P 600 SMALL CAP VALUE ISHARES 464287879 1311 23357 SH SOLE 23065 0 292 S&P 600 SMALL CAP VALUE ISHARES 464287879 46 812 SH DEFINED 812 0 0 S&P 600 SMALL CAP GROWTH ISHARES 464287887 1524 28184 SH SOLE 28184 0 0 S&P 600 SMALL CAP GROWTH ISHARES 464287887 40 738 SH DEFINED 738 0 0 J P MORGAN CHASE & CO COM 46625H100 5489 125299 SH SOLE 124999 100 200 J P MORGAN CHASE & CO COM 46625H100 555 12670 SH DEFINED 12670 0 0 JARDEN CORPORATION COM 471109108 239 8535 SH SOLE 8535 0 0 JOHNSON & JOHNSON COM 478160104 5558 91293 SH SOLE 90143 1150 0 JOHNSON & JOHNSON COM 478160104 417 6855 SH DEFINED 4055 0 2800 KELLOGG CO COM 487836108 297 6040 SH SOLE 6040 0 0 KIMBERLY CLARK CORP COM 494368103 1822 30900 SH SOLE 30300 500 100 KIMBERLY CLARK CORP COM 494368103 59 1000 SH DEFINED 1000 0 0 KOHL'S CORP COM 500255104 1160 20342 SH SOLE 19842 500 0 KOHL'S CORP COM 500255104 54 945 SH DEFINED 945 0 0 LABORATORY CORP COM 50540R409 314 4780 SH SOLE 4755 25 0 LABORATORY CORP COM 50540R409 29 435 SH DEFINED 435 0 0 LILLY ELI & CO COM 532457108 3623 109720 SH SOLE 109445 75 200 LILLY ELI & CO COM 532457108 33 1002 SH DEFINED 1002 0 0 LOWE'S COMPANIES INC COM 548661107 3580 171028 SH SOLE 169078 1850 100 LOWE'S COMPANIES INC COM 548661107 99 4715 SH DEFINED 4315 0 400 MDU RES GROUP INC COM 552690109 960 46060 SH SOLE 45260 800 0 MDU RES GROUP INC COM 552690109 38 1810 SH DEFINED 1510 0 300 MASCO CORP COM 574599106 574 44455 SH SOLE 44355 100 0 MASCO CORP COM 574599106 19 1485 SH DEFINED 1485 0 0 MCDONALDS CORP COM 580135101 555 9733 SH SOLE 9733 0 0 MCDONALDS CORP COM 580135101 77 1355 SH DEFINED 1355 0 0 MEDTRONIC INCORPORATED COM 585055106 1624 44151 SH SOLE 43176 875 100 MEDTRONIC INCORPORATED COM 585055106 37 1000 SH DEFINED 1000 0 0 MICROSOFT CORPORATION COM 594918104 4042 157211 SH SOLE 155561 1650 0 MICROSOFT CORPORATION COM 594918104 144 5590 SH DEFINED 4590 0 1000 MICROCHIP TECHNOLOGY COM 595017104 1605 60565 SH SOLE 59240 1325 0 MICROCHIP TECHNOLOGY COM 595017104 84 3155 SH DEFINED 3155 0 0 S&P 400 MIDCAP SPDR 595635103 5433 43370 SH SOLE 42781 342 247 S&P 400 MIDCAP SPDR 595635103 185 1476 SH DEFINED 1476 0 0 NORTHERN TR CORP COM 665859104 1085 18655 SH SOLE 18205 450 0 NORTHERN TR CORP COM 665859104 29 500 SH DEFINED 500 0 0 NORTHROP GRUMMAN CORP COM 666807102 31 600 SH SOLE 600 0 0 NORTHROP GRUMMAN CORP COM 666807102 1004 19402 SH DEFINED 19402 0 0 NUCOR CORP COM 670346105 262 5585 SH SOLE 5535 50 0 NUCOR CORP COM 670346105 4 80 SH DEFINED 80 0 0 NVIDIA CORP COM 67066G104 1169 77775 SH SOLE 76175 1600 0 NVIDIA CORP COM 67066G104 32 2125 SH DEFINED 2125 0 0 NUVEEN MUNI DIVIDEND ADVISOR 67070X101 152 10980 SOLE 10980 0 0 NUVEEN MUNI DIVIDEND ADVISOR 67070X101 22 1600 DEFINED 1600 0 0 OLD NATIONAL BANCORP COM 680033107 251 22384 SH SOLE 22384 0 0 OMNICOM GROUP INC COM 681919106 213 5772 SH SOLE 5697 75 0 OMNICOM GROUP INC COM 681919106 12 325 SH DEFINED 325 0 0 ORACLE CORP COM 68389X105 711 34095 SH SOLE 33095 1000 0 ORACLE CORP COM 68389X105 10 490 SH DEFINED 490 0 0 PEPSICO INC COM 713448108 5747 97982 SH SOLE 96682 1100 200 PEPSICO INC COM 713448108 247 4215 SH DEFINED 4215 0 0 PFIZER INC COM 717081103 859 51915 SH SOLE 51715 200 0 PFIZER INC COM 717081103 55 3320 SH DEFINED 2320 0 1000 PHILLIP MORRIS INTL INC COM 718172109 252 5175 SH DEFINED 2175 0 3000 T. ROWE PRICE GROUP INC COM 74144T108 1018 22271 SH SOLE 22271 0 0 T. ROWE PRICE GROUP INC COM 74144T108 21 450 SH DEFINED 450 0 0 PROCTER & GAMBLE CO COM 742718109 5388 93021 SH SOLE 91946 875 200 PROCTER & GAMBLE CO COM 742718109 366 6325 SH DEFINED 3825 0 2500 ROBERT HALF INTERNATIONAL COM 770323103 750 29995 SH SOLE 29995 0 0 ROBERT HALF INTERNATIONAL COM 770323103 21 845 SH DEFINED 845 0 0 S&P 500 INDEX SPDR 78462F103 1263 11966 SH SOLE 11966 0 0 S&P 500 INDEX SPDR 78462F103 79 750 SH DEFINED 750 0 0 SPDR MSCI ALL-COUNTRY WORLD EX-US INDEX ETF 78463X848 2615 85667 SH SOLE 85667 0 0 BARCLAYS INTL TREASURY SPDR 78464A516 9219 157789 SH SOLE 154974 2598 217 BARCLAYS INTL TREASURY SPDR 78464A516 211 3611 SH DEFINED 3611 0 0 SCHLUMBERGER LTD COM 806857108 4594 77090 SH SOLE 76260 630 200 SCHLUMBERGER LTD COM 806857108 134 2254 SH DEFINED 2254 0 0 MATERIALS SELECT SECTOR SPDRCOM 81369Y100 356 11515 SH SOLE 11385 80 50 MATERIALS SELECT SECTOR SPDRCOM 81369Y100 11 365 SH DEFINED 365 0 0 THE J.M. SMUCKER COMPANY COM 832696405 1172 22106 SH SOLE 21656 450 0 THE J.M. SMUCKER COMPANY COM 832696405 33 615 SH DEFINED 615 0 0 SOUTHERN CO COM 842587107 1343 42435 SH SOLE 42385 50 0 SOUTHERN CO COM 842587107 170 5380 SH DEFINED 4380 0 1000 STAPLES INC COM 855030102 2327 100262 SH SOLE 98662 1600 0 STAPLES INC COM 855030102 81 3495 SH DEFINED 3495 0 0 STRYKER CORP COM 863667101 1604 35304 SH SOLE 34604 700 0 STRYKER CORP COM 863667101 47 1035 SH DEFINED 1035 0 0 SUPERVALU INC COM 868536103 261 17360 SH SOLE 17285 75 0 SUPERVALU INC COM 868536103 22 1445 SH DEFINED 1445 0 0 SYSCO CORP COM 871829107 3667 147622 SH SOLE 145322 2100 200 SYSCO CORP COM 871829107 122 4895 SH DEFINED 4895 0 0 TEVA PHARMACEUTICAL ADR 881624209 536 10595 SH SOLE 10095 500 0 TEVA PHARMACEUTICAL ADR 881624209 40 800 SH DEFINED 800 0 0 THERMO FISHER SCIENTIFIC INCCOM 883556102 453 10365 SH SOLE 9865 500 0 3M COMPANY COM 88579Y101 993 13451 SH SOLE 13201 250 0 3M COMPANY COM 88579Y101 223 3025 SH DEFINED 825 0 2200 US BANCORP DEL COM 902973304 1608 73562 SH SOLE 71612 1800 150 US BANCORP DEL COM 902973304 35 1620 SH DEFINED 620 0 1000 UNITED PARCEL SERVICE COM 911312106 212 3755 SH SOLE 3755 0 0 UNITED PARCEL SERVICE COM 911312106 56 1000 SH DEFINED 1000 0 0 UNITED TECHNOLOGIES CORP COM 913017109 5824 95583 SH SOLE 94283 1100 200 UNITED TECHNOLOGIES CORP COM 913017109 99 1625 SH DEFINED 1625 0 0 VF CORP COM 918204108 875 12075 SH SOLE 11840 235 0 VF CORP COM 918204108 21 285 SH DEFINED 285 0 0 VNGRD FTSE ALLWORLD EXUS ETF 922042775 6037 139742 SH SOLE 138916 321 505 VNGRD FTSE ALLWORLD EXUS ETF 922042775 87 2012 SH DEFINED 2012 0 0 VECTREN CORP COM 92240G101 2068 89780 SH SOLE 88530 1250 0 VECTREN CORP COM 92240G101 158 6843 SH DEFINED 4943 0 1900 VERIZON COMMUNICATIONS INC COM 92343V104 2158 71302 SH SOLE 70652 550 100 VERIZON COMMUNICATIONS INC COM 92343V104 96 3161 SH DEFINED 3161 0 0 WAL MART STORES INC COM 931142103 3166 64492 SH SOLE 64167 325 0 WAL MART STORES INC COM 931142103 144 2925 SH DEFINED 2925 0 0 WELLS FARGO & CO COM 949746101 2889 102513 SH SOLE 100913 1200 400 WELLS FARGO & CO COM 949746101 132 4700 SH DEFINED 2300 0 2400 WYETH COM 983024100 1963 40406 SH SOLE 40306 0 100 WYETH COM 983024100 146 3000 SH DEFINED 600 0 2400 ZIMMER HLDGS INC COM 98956P102 403 7544 SH SOLE 7209 335 0 ZIMMER HLDGS INC COM 98956P102 29 545 SH DEFINED 545 0 0 GRAND TOTALS 220985 5712672 5585645 60543 66484