UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                        ------------------------------

                                    FORM 13F

                        ------------------------------

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:  December 31, 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         January 11, 2010

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: 223 Form 13F Information Table Value Total: $229,659,000 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 ADR G1151C101 1268 30545 SH SOLE 30245 300 0 ACCENTURE PLC ADR G1151C101 81 1940 SH DEFINED 1940 0 0 NOBLE CORPORATION COM H5833N103 1124 27615 SH SOLE 27540 75 0 NOBLE CORPORATION COM H5833N103 58 1420 SH DEFINED 1420 0 0 TRANSOCEAN LTD COM H8817H100 347 4186 SH SOLE 3882 304 0 TRANSOCEAN LTD COM H8817H100 34 410 SH DEFINED 410 0 0 AFLAC INC COM 001055102 361 7800 SH SOLE 7575 225 0 AFLAC INC COM 001055102 2 50 SH DEFINED 50 0 0 AT&T INC COM 00206R102 3444 122918 SH SOLE 122611 75 232 AT&T INC COM 00206R102 238 8484 SH DEFINED 5099 0 3385 ABBOTT LABS COM 002824100 4113 76187 SH SOLE 75037 1050 100 ABBOTT LABS COM 002824100 150 2780 SH DEFINED 2180 0 600 ALBERTO CULVER CO NEW COM 013078100 926 31625 SH SOLE 30925 700 0 ALBERTO CULVER CO NEW COM 013078100 39 1325 SH DEFINED 1325 0 0 ALLIANT CORP COM 018802108 1255 41475 SH SOLE 40575 900 0 ALLIANT CORP COM 018802108 49 1630 SH DEFINED 1380 0 250 AMPHENOL CORPORATION 032095101 290 6290 SH SOLE 6290 0 0 AMPHENOL CORPORATION 032095101 11 230 SH DEFINED 230 0 0 APACHE CORP COM 037411105 935 9060 SH SOLE 8660 400 0 APACHE CORP COM 037411105 21 200 SH DEFINED 200 0 0 AUTOMATIC DATA PROCESSING COM 053015103 5143 120126 SH SOLE 118826 1150 150 AUTOMATIC DATA PROCESSING COM 053015103 67 1565 SH DEFINED 1565 0 0 BB & T CORPORATION COM 054937107 211 8335 SH SOLE 8335 0 0 BB & T CORPORATION COM 054937107 27 1050 SH DEFINED 50 0 1000 BP PLC - SPONS ADR 055622104 3127 53936 SH SOLE 53561 375 0 BP PLC - SPONS ADR 055622104 1841 31766 SH DEFINED 21266 0 10500 BAKER HUGHES INC COM 057224107 1375 33965 SH SOLE 33365 600 0 BAKER HUGHES INC COM 057224107 49 1220 SH DEFINED 1220 0 0 BALL CORP COM 058498106 2264 43794 SH SOLE 43794 0 0 BANK OF NEW YORK MELLON CORPCOM 064058100 1257 44961 SH SOLE 43886 1075 0 BANK OF NEW YORK MELLON CORPCOM 064058100 44 1585 SH DEFINED 1585 0 0 BAXTER INTERNATIONAL INC COM 071813109 1730 29475 SH SOLE 29095 350 30 BAXTER INTERNATIONAL INC COM 071813109 60 1025 SH DEFINED 1025 0 0 BECTON DICKINSON & CO COM 075887109 1456 18460 SH SOLE 18050 380 30 BECTON DICKINSON & CO COM 075887109 47 590 SH DEFINED 590 0 0 BED BATH & BEYOND COM 075896100 502 13010 SH SOLE 13010 0 0 BED BATH & BEYOND COM 075896100 33 860 SH DEFINED 860 0 0 BEST BUY COMPANY INC COM 086516101 952 24137 SH SOLE 23737 400 0 BEST BUY COMPANY INC COM 086516101 35 878 SH DEFINED 878 0 0 CATERPILLAR INC. COM 149123101 849 14900 SH SOLE 14250 650 0 CATERPILLAR INC. COM 149123101 15 256 SH DEFINED 256 0 0 CHEVRON CORP COM 166764100 5888 76479 SH SOLE 75254 825 400 CHEVRON CORP COM 166764100 228 2955 SH DEFINED 1955 0 1000 CHUBB CORP COM 171232101 1603 32602 SH SOLE 32052 550 0 CHUBB CORP COM 171232101 54 1090 SH DEFINED 1090 0 0 CISCO SYSTEMS COM 17275R102 2249 93967 SH SOLE 92667 1100 200 CISCO SYSTEMS COM 17275R102 29 1225 SH DEFINED 1225 0 0 CITY NATIONAL COM 178566105 333 7300 SH SOLE 6950 350 0 CITY NATIONAL COM 178566105 10 210 SH DEFINED 210 0 0 COCA COLA CO COM 191216100 1290 22625 SH SOLE 22625 0 0 COCA COLA CO COM 191216100 6 100 SH DEFINED 100 0 0 COLGATE PALMOLIVE CO COM 194162103 1505 18316 SH SOLE 17766 550 0 COLGATE PALMOLIVE CO COM 194162103 144 1750 SH DEFINED 150 0 1600 CONOCOPHILLIPS COM 20825C104 1938 37962 SH SOLE 37062 900 0 CONOCOPHILLIPS COM 20825C104 110 2150 SH DEFINED 2150 0 0 COVANCE INC COM 222816100 677 12405 SH SOLE 11705 700 0 COVANCE INC COM 222816100 23 425 SH DEFINED 425 0 0 CULLEN FROST BANKERS COM 229899109 743 14850 SH SOLE 14500 350 0 CULLEN FROST BANKERS COM 229899109 30 590 SH DEFINED 590 0 0 DNP SELECT INCOME FUND 23325P104 539 60168 SH SOLE 58138 1030 1000 DNP SELECT INCOME FUND 23325P104 32 3600 SH DEFINED 3600 0 0 DANAHER CORP COM 235851102 1275 16960 SH SOLE 16360 600 0 DANAHER CORP COM 235851102 53 700 SH DEFINED 700 0 0 DEERE & CO COM 244199105 262 4835 SH SOLE 4835 0 0 DEERE & CO COM 244199105 30 550 SH DEFINED 550 0 0 DISNEY WALT COMPANY COM 254687106 1945 60324 SH SOLE 60249 75 0 DISNEY WALT COMPANY COM 254687106 10 300 SH DEFINED 300 0 0 DONALDSON INC COM 257651109 1057 24853 SH SOLE 24313 500 40 DONALDSON INC COM 257651109 21 500 SH DEFINED 500 0 0 DU PONT E I DE NEMOURS COM 263534109 1006 29902 SH SOLE 29152 750 0 DU PONT E I DE NEMOURS COM 263534109 38 1120 SH DEFINED 920 0 200 ECOLAB INC COM 278865100 890 19965 SH SOLE 19515 450 0 ECOLAB INC COM 278865100 13 300 SH DEFINED 300 0 0 EMERSON ELEC CO COM 291011104 4264 100126 SH SOLE 99226 800 100 EMERSON ELEC CO COM 291011104 220 5170 SH DEFINED 3170 0 2000 ENDO PHARM HLDG INC COM 29264F205 764 37245 SH SOLE 36545 700 0 ENDO PHARM HLDG INC COM 29264F205 17 835 SH DEFINED 835 0 0 EXXON MOBIL CORP COM 30231G102 6800 99719 SH SOLE 98779 790 150 EXXON MOBIL CORP COM 30231G102 961 14089 SH DEFINED 12041 0 2048 FPL GROUP INC COM 302571104 1444 27347 SH SOLE 26597 750 0 FPL GROUP INC COM 302571104 189 3577 SH DEFINED 1577 0 2000 FIRST MERCHANTS CORP COM 320817109 1019 171566 SH SOLE 170464 1102 0 FIRST MERCHANTS CORP COM 320817109 69 11587 SH DEFINED 11587 0 0 GENERAL ELECTRIC CO COM 369604103 2855 188702 SH SOLE 185552 2250 900 GENERAL ELECTRIC CO COM 369604103 218 14405 SH DEFINED 7005 0 7400 GRACO INC COM 384109104 1070 37470 SH SOLE 37120 250 100 GRACO INC COM 384109104 28 965 SH DEFINED 965 0 0 HARRIS CORP DEL COM 413875105 2136 44940 SH SOLE 44390 550 0 HARRIS CORP DEL COM 413875105 81 1705 SH DEFINED 1705 0 0 HEINZ H J CO COM 423074103 141 3300 SH SOLE 3300 0 0 HEINZ H J CO COM 423074103 107 2500 SH DEFINED 1000 0 1500 HENRY JACK & ASSOCIATES COM 426281101 729 31510 SH SOLE 31510 0 0 HENRY JACK & ASSOCIATES COM 426281101 22 965 SH DEFINED 965 0 0 HEWLETT PACKARD CO COM 428236103 3475 67484 SH SOLE 67284 0 200 HEWLETT PACKARD CO COM 428236103 189 3670 SH DEFINED 3670 0 0 HORMEL FOODS CORP COM 440452100 455 11842 SH SOLE 11842 0 0 HORMEL FOODS CORP COM 440452100 8 210 SH DEFINED 210 0 0 ITT CORPORATION COM 450911102 444 8930 SH SOLE 8905 25 0 ITT CORPORATION COM 450911102 38 770 SH DEFINED 770 0 0 INTEL CORP COM 458140100 3201 157012 SH SOLE 154312 2700 0 INTEL CORP COM 458140100 31 1500 SH DEFINED 500 0 1000 INTL BUSINESS MACHINES CORP COM 459200101 2378 18164 SH SOLE 17814 350 0 INTL BUSINESS MACHINES CORP COM 459200101 50 385 SH DEFINED 385 0 0 I SHARES BARCLAYS AGGREGATE 464287226 1499 14527 SH SOLE 14527 0 0 MSCI EMERGING MARKET INDEX 464287234 354 8533 SH SOLE 8533 0 0 MSCI EAFE INDEX SHARES 464287465 3691 66787 SH SOLE 65412 1225 150 MSCI EAFE INDEX SHARES 464287465 27 483 SH DEFINED 483 0 0 BIOTECHNOLOGY I SHARES COM 464287556 1930 23580 SH SOLE 22955 625 0 BIOTECHNOLOGY I SHARES COM 464287556 53 645 SH DEFINED 645 0 0 S&P 400 MIDCAP GROWTH ISHARES 464287606 2193 28222 SH SOLE 28142 80 0 S&P 400 MIDCAP GROWTH ISHARES 464287606 84 1085 SH DEFINED 1085 0 0 ISHARES RUSSELL 2000 I SHARES 464287655 833 13342 SH SOLE 12922 420 0 ISHARES RUSSELL 2000 I SHARES 464287655 18 285 SH DEFINED 285 0 0 S&P 400 MIDCAP VALUE ISHARES 464287705 2621 39748 SH SOLE 39330 96 322 S&P 400 MIDCAP VALUE ISHARES 464287705 93 1405 SH DEFINED 1405 0 0 I SHARES S&P SMALL CAP 600 COM 464287804 1801 32915 SH SOLE 31927 652 336 I SHARES S&P SMALL CAP 600 COM 464287804 84 1537 SH DEFINED 1537 0 0 S&P 600 SMALL CAP VALUE ISHARES 464287879 2004 34336 SH SOLE 33602 442 292 S&P 600 SMALL CAP VALUE ISHARES 464287879 58 997 SH DEFINED 997 0 0 S&P 600 SMALL CAP GROWTH ISHARES 464287887 2215 38780 SH SOLE 38596 184 0 S&P 600 SMALL CAP GROWTH ISHARES 464287887 58 1012 SH DEFINED 1012 0 0 J P MORGAN CHASE & CO COM 46625H100 5114 122762 SH SOLE 122462 100 200 J P MORGAN CHASE & CO COM 46625H100 544 13065 SH DEFINED 13065 0 0 JACOBS ENGR GROUP INC COM 469814107 215 5725 SH SOLE 5725 0 0 JACOBS ENGR GROUP INC COM 469814107 5 120 SH DEFINED 120 0 0 JARDEN CORPORATION COM 471109108 240 7755 SH SOLE 7755 0 0 JOHNSON & JOHNSON COM 478160104 5899 91599 SH SOLE 90449 1150 0 JOHNSON & JOHNSON COM 478160104 425 6605 SH DEFINED 3805 0 2800 KELLOGG CO COM 487836108 321 6040 SH SOLE 6040 0 0 KIMBERLY CLARK CORP COM 494368103 2027 31825 SH SOLE 31225 500 100 KIMBERLY CLARK CORP COM 494368103 72 1125 SH DEFINED 1125 0 0 KOHL'S CORP COM 500255104 1095 20312 SH SOLE 19782 500 30 KOHL'S CORP COM 500255104 50 920 SH DEFINED 920 0 0 LABORATORY CORP COM 50540R409 462 6180 SH SOLE 6155 25 0 LABORATORY CORP COM 50540R409 55 740 SH DEFINED 740 0 0 LILLY ELI & CO COM 532457108 3715 104062 SH SOLE 103787 75 200 LILLY ELI & CO COM 532457108 36 1002 SH DEFINED 1002 0 0 LOWE'S COMPANIES INC COM 548661107 4002 171193 SH SOLE 169243 1850 100 LOWE'S COMPANIES INC COM 548661107 120 5115 SH DEFINED 4715 0 400 MDU RES GROUP INC COM 552690109 1212 51395 SH SOLE 50145 1250 0 MDU RES GROUP INC COM 552690109 47 2010 SH DEFINED 1710 0 300 MASCO CORP COM 574599106 727 52630 SH SOLE 52530 100 0 MASCO CORP COM 574599106 29 2085 SH DEFINED 2085 0 0 MCDONALDS CORP COM 580135101 586 9383 SH SOLE 9383 0 0 MCDONALDS CORP COM 580135101 85 1355 SH DEFINED 1355 0 0 MEDTRONIC INCORPORATED COM 585055106 1984 45118 SH SOLE 44143 875 100 MEDTRONIC INCORPORATED COM 585055106 75 1700 SH DEFINED 1700 0 0 MICROSOFT CORPORATION COM 594918104 3882 127406 SH SOLE 125956 1450 0 MICROSOFT CORPORATION COM 594918104 139 4550 SH DEFINED 3550 0 1000 MICROCHIP TECHNOLOGY COM 595017104 1814 62460 SH SOLE 61035 1325 100 MICROCHIP TECHNOLOGY COM 595017104 97 3355 SH DEFINED 3355 0 0 S&P 400 MIDCAP SPDR 595635103 5783 43900 SH SOLE 43256 397 247 S&P 400 MIDCAP SPDR 595635103 204 1551 SH DEFINED 1551 0 0 NATIONAL OILWELL VARCO COM 637071101 322 7295 SH SOLE 7295 0 0 NATIONAL OILWELL VARCO COM 637071101 26 600 SH DEFINED 600 0 0 NORTHERN TR CORP COM 665859104 1272 24275 SH SOLE 23625 650 0 NORTHERN TR CORP COM 665859104 69 1310 SH DEFINED 1310 0 0 NORTHROP GRUMMAN CORP COM 666807102 18 320 SH SOLE 320 0 0 NORTHROP GRUMMAN CORP COM 666807102 1035 18528 SH DEFINED 18528 0 0 NOVARTIS A G SPONSORED ADR 66987V109 158 2900 SH SOLE 2850 50 0 NOVARTIS A G SPONSORED ADR 66987V109 64 1175 SH DEFINED 1175 0 0 NUCOR CORP COM 670346105 511 10945 SH SOLE 10895 50 0 NUCOR CORP COM 670346105 20 435 SH DEFINED 435 0 0 NVIDIA CORP COM 67066G104 1465 78405 SH SOLE 76805 1600 0 NVIDIA CORP COM 67066G104 40 2125 SH DEFINED 2125 0 0 OMNICOM GROUP INC COM 681919106 212 5425 SH SOLE 5350 75 0 OMNICOM GROUP INC COM 681919106 2 50 SH DEFINED 50 0 0 ORACLE CORP COM 68389X105 834 33995 SH SOLE 32995 1000 0 ORACLE CORP COM 68389X105 12 490 SH DEFINED 490 0 0 PEPSICO INC COM 713448108 5450 89652 SH SOLE 88677 775 200 PEPSICO INC COM 713448108 256 4215 SH DEFINED 4215 0 0 PFIZER INC COM 717081103 2909 160029 SH SOLE 159731 200 98 PFIZER INC COM 717081103 114 6275 SH DEFINED 2911 0 3364 PHILLIP MORRIS INTL INC COM 718172109 249 5175 SH DEFINED 2175 0 3000 T. ROWE PRICE GROUP INC COM 74144T108 1182 22201 SH SOLE 22201 0 0 T. ROWE PRICE GROUP INC COM 74144T108 24 450 SH DEFINED 450 0 0 PROCTER & GAMBLE CO COM 742718109 5405 89142 SH SOLE 88167 875 100 PROCTER & GAMBLE CO COM 742718109 383 6325 SH DEFINED 3825 0 2500 ROBERT HALF INTERNATIONAL COM 770323103 791 29595 SH SOLE 29595 0 0 ROBERT HALF INTERNATIONAL COM 770323103 23 845 SH DEFINED 845 0 0 S&P 500 INDEX SPDR 78462F103 1475 13240 SH SOLE 13049 191 0 S&P 500 INDEX SPDR 78462F103 90 808 SH DEFINED 808 0 0 SPDR MSCI ALL-COUNTRY WORLD EX-US INDEX ETF 78463X848 2673 85667 SH SOLE 85667 0 0 SCHLUMBERGER LTD COM 806857108 4921 75606 SH SOLE 74776 630 200 SCHLUMBERGER LTD COM 806857108 148 2274 SH DEFINED 2274 0 0 MATERIALS SELECT SECTOR SPDRCOM 81369Y100 378 11465 SH SOLE 11335 80 50 MATERIALS SELECT SECTOR SPDRCOM 81369Y100 12 365 SH DEFINED 365 0 0 THE J.M. SMUCKER COMPANY COM 832696405 1538 24901 SH SOLE 24451 450 0 THE J.M. SMUCKER COMPANY COM 832696405 38 615 SH DEFINED 615 0 0 SOUTHERN CO COM 842587107 1414 42435 SH SOLE 42385 50 0 SOUTHERN CO COM 842587107 179 5380 SH DEFINED 4380 0 1000 STAPLES INC COM 855030102 2467 100307 SH SOLE 98707 1600 0 STAPLES INC COM 855030102 86 3495 SH DEFINED 3495 0 0 STRYKER CORP COM 863667101 1776 35269 SH SOLE 34569 700 0 STRYKER CORP COM 863667101 52 1035 SH DEFINED 1035 0 0 SUPERVALU INC COM 868536103 482 37945 SH SOLE 37720 125 100 SUPERVALU INC COM 868536103 23 1810 SH DEFINED 1810 0 0 SYSCO CORP COM 871829107 4151 148616 SH SOLE 146316 2100 200 SYSCO CORP COM 871829107 137 4895 SH DEFINED 4895 0 0 TEVA PHARMACEUTICAL ADR 881624209 590 10495 SH SOLE 9995 500 0 TEVA PHARMACEUTICAL ADR 881624209 45 800 SH DEFINED 800 0 0 3M COMPANY COM 88579Y101 1529 18501 SH SOLE 18176 325 0 3M COMPANY COM 88579Y101 279 3375 SH DEFINED 1175 0 2200 US BANCORP DEL COM 902973304 1525 67777 SH SOLE 65827 1800 150 US BANCORP DEL COM 902973304 36 1620 SH DEFINED 620 0 1000 UNITED PARCEL SERVICE COM 911312106 213 3705 SH SOLE 3705 0 0 UNITED PARCEL SERVICE COM 911312106 57 1000 SH DEFINED 1000 0 0 UNITED TECHNOLOGIES CORP COM 913017109 6035 86963 SH SOLE 86113 850 0 UNITED TECHNOLOGIES CORP COM 913017109 113 1625 SH DEFINED 1625 0 0 VF CORP COM 918204108 884 12075 SH SOLE 11840 235 0 VF CORP COM 918204108 21 285 SH DEFINED 285 0 0 VNGRD FTSE ALLWORLD EXUS ETF 922042775 7842 179828 SH SOLE 178338 985 505 VNGRD FTSE ALLWORLD EXUS ETF 922042775 71 1634 SH DEFINED 1634 0 0 VECTREN CORP COM 92240G101 2215 89754 SH SOLE 88504 1250 0 VECTREN CORP COM 92240G101 169 6843 SH DEFINED 4943 0 1900 VERIZON COMMUNICATIONS INC COM 92343V104 2324 70152 SH SOLE 69502 550 100 VERIZON COMMUNICATIONS INC COM 92343V104 111 3361 SH DEFINED 3361 0 0 WAL MART STORES INC COM 931142103 3324 62183 SH SOLE 61858 325 0 WAL MART STORES INC COM 931142103 156 2925 SH DEFINED 2925 0 0 WELLS FARGO & CO COM 949746101 2723 100913 SH SOLE 99313 1200 400 WELLS FARGO & CO COM 949746101 100 3700 SH DEFINED 1300 0 2400 ZIMMER HLDGS INC COM 98956P102 438 7404 SH SOLE 7069 335 0 ZIMMER HLDGS INC COM 98956P102 32 545 SH DEFINED 545 0 0 GRAND TOTALS 229659 5689862 5564720 60883 64259