UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

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

                                    FORM 13F

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                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:  September 30, 2010

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 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: 232 Form 13F Information Table Value Total: $289,938,000 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 1867 43952 SH SOLE 43652 300 0 ACCENTURE PLC ADR G1151C101 190 4470 SH DEFINED 4470 0 0 NOBLE CORPORATION COM H5833N103 1221 36125 SH SOLE 36050 75 0 NOBLE CORPORATION COM H5833N103 78 2310 SH DEFINED 2310 0 0 TRANSOCEAN LTD COM H8817H100 480 7473 SH SOLE 7169 304 0 TRANSOCEAN LTD COM H8817H100 38 588 SH DEFINED 588 0 0 AT&T INC COM 00206R102 4906 171597 SH SOLE 171290 75 232 AT&T INC COM 00206R102 356 12437 SH DEFINED 9052 0 3385 ABBOTT LABS COM 002824100 4232 81012 SH SOLE 79912 1000 100 ABBOTT LABS COM 002824100 338 6470 SH DEFINED 5870 0 600 ADOBE SYSTEMS INC COM 00724F101 635 24310 SH SOLE 23910 400 0 ADOBE SYSTEMS INC COM 00724F101 33 1259 SH DEFINED 1259 0 0 ALBERTO CULVER CO NEW COM 013078100 1199 31855 SH SOLE 31155 700 0 ALBERTO CULVER CO NEW COM 013078100 112 2980 SH DEFINED 2980 0 0 ALLIANT CORP COM 018802108 1593 43843 SH SOLE 42868 975 0 ALLIANT CORP COM 018802108 189 5201 SH DEFINED 4751 0 450 AMPHENOL CORPORATION 032095101 871 17787 SH SOLE 17787 0 0 AMPHENOL CORPORATION 032095101 18 375 SH DEFINED 375 0 0 APACHE CORP COM 037411105 1361 13925 SH SOLE 13500 425 0 APACHE CORP COM 037411105 59 605 SH DEFINED 605 0 0 AUTOMATIC DATA PROCESSING COM 053015103 4782 113801 SH SOLE 112526 1125 150 AUTOMATIC DATA PROCESSING COM 053015103 312 7420 SH DEFINED 7170 0 250 BB & T CORPORATION COM 054937107 314 13055 SH SOLE 13055 0 0 BB & T CORPORATION COM 054937107 27 1120 SH DEFINED 120 0 1000 BP PLC - SPONS ADR 055622104 426 10360 SH SOLE 10360 0 0 BP PLC - SPONS ADR 055622104 246 5978 SH DEFINED 2278 0 3700 BAKER HUGHES INC COM 057224107 1429 33560 SH SOLE 32960 600 0 BAKER HUGHES INC COM 057224107 126 2970 SH DEFINED 2970 0 0 BALL CORP COM 058498106 44415 754839 SH SOLE 754839 0 0 BALL CORP COM 058498106 12 200 SH DEFINED 200 0 0 BANK OF NEW YORK MELLON CORPCOM 064058100 1134 43420 SH SOLE 41845 1575 0 BANK OF NEW YORK MELLON CORPCOM 064058100 154 5905 SH DEFINED 5905 0 0 BAXTER INTERNATIONAL INC COM 071813109 1675 35125 SH SOLE 34335 760 30 BAXTER INTERNATIONAL INC COM 071813109 191 4005 SH DEFINED 3755 0 250 BECTON DICKINSON & CO COM 075887109 1612 21760 SH SOLE 21350 380 30 BECTON DICKINSON & CO COM 075887109 147 1990 SH DEFINED 1840 0 150 BED BATH & BEYOND COM 075896100 1226 28250 SH SOLE 27750 500 0 BED BATH & BEYOND COM 075896100 46 1065 SH DEFINED 1065 0 0 BEST BUY COMPANY INC COM 086516101 1375 33687 SH SOLE 33072 615 0 BEST BUY COMPANY INC COM 086516101 45 1103 SH DEFINED 1103 0 0 BRISTOL-MYERS SQUIBB COM 110122108 269 9929 SH SOLE 9929 0 0 BRISTOL-MYERS SQUIBB COM 110122108 76 2800 SH DEFINED 1800 0 1000 CATERPILLAR INC. COM 149123101 991 12600 SH SOLE 12550 50 0 CATERPILLAR INC. COM 149123101 20 256 SH DEFINED 256 0 0 CHEVRON CORP COM 166764100 5847 72137 SH SOLE 70962 775 400 CHEVRON CORP COM 166764100 491 6055 SH DEFINED 5055 0 1000 CHUBB CORP COM 171232101 2283 40053 SH SOLE 39303 750 0 CHUBB CORP COM 171232101 279 4887 SH DEFINED 4687 0 200 CISCO SYSTEMS COM 17275R102 2191 100111 SH SOLE 98811 1100 200 CISCO SYSTEMS COM 17275R102 92 4185 SH DEFINED 4185 0 0 CITY NATIONAL COM 178566105 353 6660 SH SOLE 6310 350 0 CITY NATIONAL COM 178566105 11 215 SH DEFINED 215 0 0 COCA COLA CO COM 191216100 1323 22603 SH SOLE 22603 0 0 COCA COLA CO COM 191216100 243 4150 SH DEFINED 4150 0 0 COLGATE PALMOLIVE CO COM 194162103 1437 18690 SH SOLE 18140 550 0 COLGATE PALMOLIVE CO COM 194162103 192 2500 SH DEFINED 900 0 1600 CONOCOPHILLIPS COM 20825C104 1954 34017 SH SOLE 33117 900 0 CONOCOPHILLIPS COM 20825C104 423 7370 SH DEFINED 6370 0 1000 CULLEN FROST BANKERS COM 229899109 967 17948 SH SOLE 17548 400 0 CULLEN FROST BANKERS COM 229899109 155 2880 SH DEFINED 2680 0 200 DNP SELECT INCOME FUND 23325P104 372 37949 SH SOLE 37219 730 0 DNP SELECT INCOME FUND 23325P104 50 5050 SH DEFINED 5050 0 0 DANAHER CORP COM 235851102 1184 29160 SH SOLE 28360 800 0 DANAHER CORP COM 235851102 41 1000 SH DEFINED 1000 0 0 DEERE & CO COM 244199105 149 2130 SH SOLE 2130 0 0 DEERE & CO COM 244199105 342 4900 SH DEFINED 4900 0 0 DISNEY WALT COMPANY COM 254687106 1001 30254 SH SOLE 30179 75 0 DISNEY WALT COMPANY COM 254687106 101 3050 SH DEFINED 3050 0 0 DONALDSON INC COM 257651109 778 16505 SH SOLE 15965 500 40 DONALDSON INC COM 257651109 75 1600 SH DEFINED 1600 0 0 DU PONT E I DE NEMOURS COM 263534109 808 18107 SH SOLE 17357 750 0 DU PONT E I DE NEMOURS COM 263534109 60 1350 SH DEFINED 1150 0 200 ECOLAB INC COM 278865100 1726 34017 SH SOLE 33567 450 0 ECOLAB INC COM 278865100 144 2830 SH DEFINED 2830 0 0 EMERSON ELEC CO COM 291011104 4738 89989 SH SOLE 89039 850 100 EMERSON ELEC CO COM 291011104 550 10437 SH DEFINED 8187 0 2250 ENDO PHARM HLDG INC COM 29264F205 1236 37204 SH SOLE 36304 900 0 ENDO PHARM HLDG INC COM 29264F205 21 635 SH DEFINED 635 0 0 EXXON MOBIL CORP COM 30231G102 7352 118988 SH SOLE 117998 840 150 EXXON MOBIL CORP COM 30231G102 794 12842 SH DEFINED 9794 0 3048 FIRST MERCHANTS CORP COM 320817109 131 17129 SH SOLE 17129 0 0 FIRST MERCHANTS CORP COM 320817109 8 1059 SH DEFINED 1059 0 0 GENERAL ELECTRIC CO COM 369604103 3118 191878 SH SOLE 188728 2250 900 GENERAL ELECTRIC CO COM 369604103 210 12900 SH DEFINED 10500 0 2400 GRACO INC COM 384109104 1306 41164 SH SOLE 40739 325 100 GRACO INC COM 384109104 27 855 SH DEFINED 855 0 0 HCC INSURANCE HLDGS COM 404132102 879 33697 SH SOLE 33597 100 0 HCC INSURANCE HLDGS COM 404132102 47 1820 SH DEFINED 1820 0 0 HARRIS CORP DEL COM 413875105 1935 43690 SH SOLE 43080 610 0 HARRIS CORP DEL COM 413875105 165 3715 SH DEFINED 3465 0 250 HENRY JACK & ASSOCIATES COM 426281101 941 36894 SH SOLE 36894 0 0 HENRY JACK & ASSOCIATES COM 426281101 35 1380 SH DEFINED 1380 0 0 HEWLETT PACKARD CO COM 428236103 2642 62809 SH SOLE 62609 0 200 HEWLETT PACKARD CO COM 428236103 187 4440 SH DEFINED 4440 0 0 HORMEL FOODS CORP COM 440452100 623 13982 SH SOLE 13982 0 0 HORMEL FOODS CORP COM 440452100 16 350 SH DEFINED 350 0 0 ITT CORPORATION COM 450911102 1321 28210 SH SOLE 27710 500 0 ITT CORPORATION COM 450911102 129 2745 SH DEFINED 2745 0 0 INTEL CORP COM 458140100 2528 131737 SH SOLE 128637 2700 400 INTEL CORP COM 458140100 188 9800 SH DEFINED 8800 0 1000 INTL BUSINESS MACHINES CORP COM 459200101 2268 16911 SH SOLE 16711 200 0 INTL BUSINESS MACHINES CORP COM 459200101 34 250 SH DEFINED 250 0 0 I SHARES BARCLAYS AGGREGATE 464287226 1576 14505 SH SOLE 14505 0 0 MSCI EMERGING MARKET INDEX 464287234 385 8603 SH SOLE 8603 0 0 MSCI EAFE INDEX SHARES 464287465 3252 59220 SH SOLE 57845 1225 150 MSCI EAFE INDEX SHARES 464287465 119 2158 SH DEFINED 2158 0 0 BIOTECHNOLOGY I SHARES COM 464287556 1061 12300 SH SOLE 11675 625 0 BIOTECHNOLOGY I SHARES COM 464287556 123 1425 SH DEFINED 1425 0 0 S&P 400 MIDCAP GROWTH ISHARES 464287606 5922 67263 SH SOLE 67049 214 0 S&P 400 MIDCAP GROWTH ISHARES 464287606 136 1550 SH DEFINED 1550 0 0 ISHARES RUSSELL 2000 VAL 464287630 342 5510 SH SOLE 5510 0 0 ISHARES RUSSELL 2000 I SHARES 464287655 815 12072 SH SOLE 11652 420 0 ISHARES RUSSELL 2000 I SHARES 464287655 19 285 SH DEFINED 285 0 0 S&P 400 MIDCAP VALUE ISHARES 464287705 6780 95353 SH SOLE 94593 438 322 S&P 400 MIDCAP VALUE ISHARES 464287705 167 2347 SH DEFINED 2347 0 0 I SHARES S&P SMALL CAP 600 COM 464287804 2357 39898 SH SOLE 38707 855 336 I SHARES S&P SMALL CAP 600 COM 464287804 104 1755 SH DEFINED 1755 0 0 S&P 600 SMALL CAP VALUE ISHARES 464287879 2805 45122 SH SOLE 44207 623 292 S&P 600 SMALL CAP VALUE ISHARES 464287879 54 866 SH DEFINED 866 0 0 S&P 600 SMALL CAP GROWTH ISHARES 464287887 3476 55646 SH SOLE 55357 289 0 S&P 600 SMALL CAP GROWTH ISHARES 464287887 54 857 SH DEFINED 857 0 0 J P MORGAN CHASE & CO COM 46625H100 4777 125520 SH SOLE 125220 100 200 J P MORGAN CHASE & CO COM 46625H100 488 12813 SH DEFINED 12813 0 0 JACOBS ENGR GROUP INC COM 469814107 258 6675 SH SOLE 6675 0 0 JACOBS ENGR GROUP INC COM 469814107 8 195 SH DEFINED 195 0 0 JARDEN CORPORATION COM 471109108 95 3055 SH SOLE 3055 0 0 JARDEN CORPORATION COM 471109108 140 4500 SH DEFINED 4500 0 0 JOHNSON & JOHNSON COM 478160104 5979 96515 SH SOLE 95315 1200 0 JOHNSON & JOHNSON COM 478160104 591 9545 SH DEFINED 6745 0 2800 KELLOGG CO COM 487836108 255 5040 SH SOLE 5040 0 0 KIMBERLY CLARK CORP COM 494368103 1854 28500 SH SOLE 27900 500 100 KIMBERLY CLARK CORP COM 494368103 270 4150 SH DEFINED 4150 0 0 KOHL'S CORP COM 500255104 2052 38952 SH SOLE 38097 825 30 KOHL'S CORP COM 500255104 192 3640 SH DEFINED 3640 0 0 LABORATORY CORP COM 50540R409 305 3885 SH SOLE 3860 25 0 LABORATORY CORP COM 50540R409 26 335 SH DEFINED 335 0 0 LILLY ELI & CO COM 532457108 2761 75613 SH SOLE 75413 0 200 LILLY ELI & CO COM 532457108 37 1002 SH DEFINED 1002 0 0 LOWE'S COMPANIES INC COM 548661107 3746 168144 SH SOLE 166219 1825 100 LOWE'S COMPANIES INC COM 548661107 325 14585 SH DEFINED 14585 0 0 MDU RES GROUP INC COM 552690109 1531 76765 SH SOLE 75340 1425 0 MDU RES GROUP INC COM 552690109 182 9120 SH DEFINED 8320 0 800 MASCO CORP COM 574599106 661 60055 SH SOLE 59955 100 0 MASCO CORP COM 574599106 38 3485 SH DEFINED 3485 0 0 MCDONALDS CORP COM 580135101 475 6376 SH SOLE 6376 0 0 MCDONALDS CORP COM 580135101 161 2155 SH DEFINED 2155 0 0 MEDTRONIC INCORPORATED COM 585055106 1254 37353 SH SOLE 36378 875 100 MEDTRONIC INCORPORATED COM 585055106 56 1670 SH DEFINED 1670 0 0 MERCK & CO INC COM 58933Y105 615 16718 SH SOLE 16718 0 0 MERCK & CO INC COM 58933Y105 294 8000 SH DEFINED 7400 0 600 MICROSOFT CORPORATION COM 594918104 2767 113025 SH SOLE 111575 1450 0 MICROSOFT CORPORATION COM 594918104 288 11750 SH DEFINED 10750 0 1000 MICROCHIP TECHNOLOGY COM 595017104 2196 69819 SH SOLE 68314 1405 100 MICROCHIP TECHNOLOGY COM 595017104 311 9885 SH DEFINED 8485 0 1400 NATIONAL OILWELL VARCO COM 637071101 387 8710 SH SOLE 8710 0 0 NATIONAL OILWELL VARCO COM 637071101 32 725 SH DEFINED 725 0 0 NEXTERA ENERGY INC COM 65339F101 1259 23145 SH SOLE 22395 750 0 NEXTERA ENERGY INC COM 65339F101 242 4450 SH DEFINED 2450 0 2000 NORTHERN TR CORP COM 665859104 1653 34262 SH SOLE 33562 700 0 NORTHERN TR CORP COM 665859104 204 4235 SH DEFINED 3985 0 250 NORTHROP GRUMMAN CORP COM 666807102 19 320 SH SOLE 320 0 0 NORTHROP GRUMMAN CORP COM 666807102 336 5550 SH DEFINED 5550 0 0 NOVARTIS A G SPONSORED ADR 66987V109 470 8155 SH SOLE 8105 50 0 NOVARTIS A G SPONSORED ADR 66987V109 127 2200 SH DEFINED 2200 0 0 NUCOR CORP COM 670346105 848 22207 SH SOLE 21932 275 0 NUCOR CORP COM 670346105 145 3785 SH DEFINED 2785 0 1000 NVIDIA CORP COM 67066G104 908 77770 SH SOLE 76170 1600 0 NVIDIA CORP COM 67066G104 86 7335 SH DEFINED 7335 0 0 OLD NATIONAL BANCORP COM 680033107 155 14758 SH SOLE 14758 0 0 OMNICOM GROUP INC COM 681919106 211 5340 SH SOLE 5265 75 0 OMNICOM GROUP INC COM 681919106 2 50 SH DEFINED 50 0 0 ORACLE CORP COM 68389X105 922 34345 SH SOLE 33345 1000 0 ORACLE CORP COM 68389X105 37 1390 SH DEFINED 1390 0 0 OWENS & MINOR INC COM 690732102 332 11672 SH SOLE 11672 0 0 OWENS & MINOR INC COM 690732102 12 430 SH DEFINED 430 0 0 PEOPLE'S UNITED FINANCIAL COM 712704105 726 55475 SH SOLE 55175 300 0 PEOPLE'S UNITED FINANCIAL COM 712704105 64 4890 SH DEFINED 4890 0 0 PEPSICO INC COM 713448108 5468 82306 SH SOLE 81281 825 200 PEPSICO INC COM 713448108 355 5345 SH DEFINED 4195 0 1150 PFIZER INC COM 717081103 2367 137918 SH SOLE 137620 200 98 PFIZER INC COM 717081103 115 6683 SH DEFINED 5683 0 1000 PHILLIP MORRIS INTL INC COM 718172109 143 2552 SH SOLE 2552 0 0 PHILLIP MORRIS INTL INC COM 718172109 239 4275 SH DEFINED 1275 0 3000 T. ROWE PRICE GROUP INC COM 74144T108 1621 32391 SH SOLE 32366 25 0 T. ROWE PRICE GROUP INC COM 74144T108 111 2225 SH DEFINED 2225 0 0 PROCTER & GAMBLE CO COM 742718109 4889 81525 SH SOLE 80500 925 100 PROCTER & GAMBLE CO COM 742718109 587 9780 SH DEFINED 7280 0 2500 ROBERT HALF INTERNATIONAL COM 770323103 567 21805 SH SOLE 21805 0 0 ROBERT HALF INTERNATIONAL COM 770323103 42 1620 SH DEFINED 1620 0 0 S&P 500 INDEX SPDR 78462F103 1965 17215 SH SOLE 16377 838 0 S&P 500 INDEX SPDR 78462F103 88 769 SH DEFINED 769 0 0 SPDR MSCI ALL-COUNTRY WORLD EX-US INDEX ETF 78463X848 2710 85667 SH SOLE 85667 0 0 SPDR S&P MIDCAP 400 ETF TR 78467Y107 6116 42010 SH SOLE 41358 405 247 SPDR S&P MIDCAP 400 ETF TR 78467Y107 324 2225 SH DEFINED 2225 0 0 SCHLUMBERGER LTD COM 806857108 4224 68561 SH SOLE 67731 630 200 SCHLUMBERGER LTD COM 806857108 402 6524 SH DEFINED 6524 0 0 THE J.M. SMUCKER COMPANY COM 832696405 1491 24631 SH SOLE 24141 490 0 THE J.M. SMUCKER COMPANY COM 832696405 205 3395 SH DEFINED 3395 0 0 SOUTHERN CO COM 842587107 1517 40735 SH SOLE 40685 50 0 SOUTHERN CO COM 842587107 288 7730 SH DEFINED 6730 0 1000 STAPLES INC COM 855030102 2189 104704 SH SOLE 103029 1600 75 STAPLES INC COM 855030102 143 6830 SH DEFINED 6230 0 600 STRYKER CORP COM 863667101 1517 30320 SH SOLE 29620 700 0 STRYKER CORP COM 863667101 127 2530 SH DEFINED 2530 0 0 SUPERVALU INC COM 868536103 515 44685 SH SOLE 44560 125 0 SUPERVALU INC COM 868536103 20 1710 SH DEFINED 1710 0 0 SYSCO CORP COM 871829107 4059 142315 SH SOLE 139935 2180 200 SYSCO CORP COM 871829107 375 13158 SH DEFINED 12758 0 400 TEVA PHARMACEUTICAL ADR 881624209 300 5680 SH SOLE 5180 500 0 TEVA PHARMACEUTICAL ADR 881624209 101 1915 SH DEFINED 1915 0 0 3M COMPANY COM 88579Y101 1907 21997 SH SOLE 21672 325 0 3M COMPANY COM 88579Y101 310 3575 SH DEFINED 1375 0 2200 US BANCORP DEL COM 902973304 1432 66274 SH SOLE 64324 1800 150 US BANCORP DEL COM 902973304 35 1620 SH DEFINED 620 0 1000 UNITED PARCEL SERVICE COM 911312106 335 5020 SH SOLE 5020 0 0 UNITED PARCEL SERVICE COM 911312106 73 1100 SH DEFINED 1100 0 0 UNITED TECHNOLOGIES CORP COM 913017109 5502 77249 SH SOLE 76449 800 0 UNITED TECHNOLOGIES CORP COM 913017109 405 5680 SH DEFINED 5480 0 200 VF CORP COM 918204108 1300 16040 SH SOLE 15780 235 25 VF CORP COM 918204108 172 2120 SH DEFINED 1970 0 150 VNGRD FTSE ALLWORLD EXUS ETF 922042775 9255 203852 SH SOLE 200618 2509 725 VNGRD FTSE ALLWORLD EXUS ETF 922042775 133 2931 SH DEFINED 2931 0 0 VECTREN CORP COM 92240G101 2237 86511 SH SOLE 85211 1300 0 VECTREN CORP COM 92240G101 279 10808 SH DEFINED 8908 0 1900 VERIZON COMMUNICATIONS INC COM 92343V104 2291 70286 SH SOLE 69636 550 100 VERIZON COMMUNICATIONS INC COM 92343V104 176 5396 SH DEFINED 5396 0 0 WAL MART STORES INC COM 931142103 2792 52176 SH SOLE 51851 325 0 WAL MART STORES INC COM 931142103 280 5225 SH DEFINED 5225 0 0 WELLS FARGO & CO COM 949746101 2328 92709 SH SOLE 91509 1200 0 WELLS FARGO & CO COM 949746101 183 7300 SH DEFINED 5500 0 1800 ZIMMER HLDGS INC COM 98956P102 225 4307 SH SOLE 3972 335 0 ZIMMER HLDGS INC COM 98956P102 69 1310 SH DEFINED 1310 0 0 GRAND TOTALS 289938 6685639 6562569 65305 57765