UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

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

                                    FORM 13F

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

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:  June 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         July 21, 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: 216

Form 13F Information Table Value Total: $190,776,000


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 LTD CLASS A                COM       G1150G111      885    26460 SH       SOLE                    26160      300        0
ACCENTURE LTD CLASS A                COM       G1150G111       63     1890 SH       DEFINED                  1890        0        0
NOBLE CORPORATION                    COM       H5833N103      257     8480 SH       SOLE                     8405       75        0
NOBLE CORPORATION                    COM       H5833N103       20      650 SH       DEFINED                   650        0        0
AFLAC INC                            COM       001055102      267     8600 SH       SOLE                     8375      225        0
AFLAC INC                            COM       001055102        2       50 SH       DEFINED                    50        0        0
AT&T INC                             COM       00206R102     3413   137395 SH       SOLE                   137088       75      232
AT&T INC                             COM       00206R102      190     7643 SH       DEFINED                  4258        0     3385
ABBOTT LABS                          COM       002824100     3538    75222 SH       SOLE                    74072     1050      100
ABBOTT LABS                          COM       002824100      273     5809 SH       DEFINED                  5209        0      600
ALBERTO CULVER CO NEW                COM       013078100      547    21500 SH       SOLE                    21500        0        0
ALBERTO CULVER CO NEW                COM       013078100        8      300 SH       DEFINED                   300        0        0
ALLIANT CORP                         COM       018802108      689    26375 SH       SOLE                    26375        0        0
ALLIANT CORP                         COM       018802108       28     1080 SH       DEFINED                  1080        0        0
AMPHENOL CORPORATION                           032095101      203     6410 SH       SOLE                     6410        0        0
AMPHENOL CORPORATION                           032095101        7      230 SH       DEFINED                   230        0        0
APACHE CORP                          COM       037411105      417     5785 SH       SOLE                     5385      400        0
APACHE CORP                          COM       037411105        7      100 SH       DEFINED                   100        0        0
AUTOMATIC DATA PROCESSING            COM       053015103     4268   120461 SH       SOLE                   119161     1150      150
AUTOMATIC DATA PROCESSING            COM       053015103       52     1465 SH       DEFINED                  1465        0        0
BB & T CORPORATION                   COM       054937107      211     9585 SH       SOLE                     9585        0        0
BB & T CORPORATION                   COM       054937107       23     1050 SH       DEFINED                    50        0     1000
BP PLC - SPONS                       ADR       055622104     3147    66009 SH       SOLE                    65634      375        0
BP PLC - SPONS                       ADR       055622104     1463    30683 SH       DEFINED                 21183        0     9500
BALL CORP                            COM       058498106     2031    44994 SH       SOLE                    44994        0        0
BANK OF AMERICA CORP                 COM       060505104       85     6475 SH       SOLE                     5875      300      300
BANK OF AMERICA CORP                 COM       060505104       55     4200 SH       DEFINED                  2900        0     1300
BANK OF NEW YORK MELLON CORP         COM       064058100      643    21936 SH       SOLE                    21386      550        0
BANK OF NEW YORK MELLON CORP         COM       064058100        7      235 SH       DEFINED                   235        0        0
BAXTER INTERNATIONAL INC             COM       071813109     1425    26920 SH       SOLE                    26840       50       30
BAXTER INTERNATIONAL INC             COM       071813109       45      855 SH       DEFINED                   855        0        0
BECTON DICKINSON & CO                COM       075887109      649     9105 SH       SOLE                     8845      230       30
BECTON DICKINSON & CO                COM       075887109       20      275 SH       DEFINED                   275        0        0
BED BATH & BEYOND                    COM       075896100      428    13910 SH       SOLE                    13910        0        0
BED BATH & BEYOND                    COM       075896100       28      895 SH       DEFINED                   895        0        0
BEST BUY COMPANY INC                 COM       086516101      626    18709 SH       SOLE                    18459      250        0
BEST BUY COMPANY INC                 COM       086516101       29      878 SH       DEFINED                   878        0        0
CATERPILLAR INC.                     COM       149123101      552    16712 SH       SOLE                    16062      650        0
CATERPILLAR INC.                     COM       149123101       12      356 SH       DEFINED                   356        0        0
CHEVRON CORP                         COM       166764100     5415    81737 SH       SOLE                    80412      825      500
CHEVRON CORP                         COM       166764100      200     3025 SH       DEFINED                  2225        0      800
CHUBB CORP                           COM       171232101      944    23672 SH       SOLE                    23672        0        0
CHUBB CORP                           COM       171232101       43     1070 SH       DEFINED                  1070        0        0
CISCO SYSTEMS                        COM       17275R102     1771    94990 SH       SOLE                    93690     1100      200
CISCO SYSTEMS                        COM       17275R102       23     1225 SH       DEFINED                  1225        0        0
CITY NATIONAL                        COM       178566105      309     8390 SH       SOLE                     8040      350        0
CITY NATIONAL                        COM       178566105       45     1210 SH       DEFINED                  1210        0        0
COCA COLA CO                         COM       191216100     1138    23709 SH       SOLE                    23709        0        0
COCA COLA CO                         COM       191216100      115     2400 SH       DEFINED                  2400        0        0
COLGATE PALMOLIVE CO                 COM       194162103     1361    19241 SH       SOLE                    18391      850        0
COLGATE PALMOLIVE CO                 COM       194162103      131     1850 SH       DEFINED                   250        0     1600
CONOCOPHILLIPS                       COM       20825C104     1743    41445 SH       SOLE                    40545      900        0
CONOCOPHILLIPS                       COM       20825C104       69     1650 SH       DEFINED                  1650        0        0
COVANCE INC                          COM       222816100      608    12360 SH       SOLE                    11660      700        0
COVANCE INC                          COM       222816100       21      425 SH       DEFINED                   425        0        0
CULLEN FROST BANKERS                 COM       229899109      199     4310 SH       SOLE                     4010      300        0
CULLEN FROST BANKERS                 COM       229899109       21      460 SH       DEFINED                   460        0        0
DNP SELECT INCOME FUND                         23325P104      534    66968 SH       SOLE                    64938     1030     1000
DNP SELECT INCOME FUND                         23325P104       29     3600 SH       DEFINED                  3600        0        0
DANAHER CORP                         COM       235851102     1100    17810 SH       SOLE                    17210      600        0
DANAHER CORP                         COM       235851102       43      700 SH       DEFINED                   700        0        0
DEERE & CO                           COM       244199105      241     6030 SH       SOLE                     5330      700        0
DEERE & CO                           COM       244199105       22      550 SH       DEFINED                   550        0        0
DISNEY WALT COMPANY                  COM       254687106     1439    61704 SH       SOLE                    61629       75        0
DISNEY WALT COMPANY                  COM       254687106        7      300 SH       DEFINED                   300        0        0
DONALDSON INC                        COM       257651109      802    23153 SH       SOLE                    22613      500       40
DONALDSON INC                        COM       257651109       17      500 SH       DEFINED                   500        0        0
DU PONT E I DE NEMOURS               COM       263534109      538    21007 SH       SOLE                    20257      750        0
DU PONT E I DE NEMOURS               COM       263534109       12      470 SH       DEFINED                   470        0        0
ECOLAB INC                           COM       278865100      756    19385 SH       SOLE                    18935      450        0
ECOLAB INC                           COM       278865100       12      300 SH       DEFINED                   300        0        0
EMERSON ELEC CO                      COM       291011104     3198    98736 SH       SOLE                    97836      800      100
EMERSON ELEC CO                      COM       291011104      167     5170 SH       DEFINED                  3170        0     2000
ENDO PHARM HLDG INC                  COM       29264F205      639    35655 SH       SOLE                    34955      700        0
ENDO PHARM HLDG INC                  COM       29264F205       11      640 SH       DEFINED                   640        0        0
EXELON CORP                          COM       30161N101      486     9500 SH       SOLE                     9500        0        0
EXELON CORP                          COM       30161N101       60     1178 SH       DEFINED                  1178        0        0
EXXON MOBIL CORP                     COM       30231G102     7929   113433 SH       SOLE                   112343      940      150
EXXON MOBIL CORP                     COM       30231G102      911    13031 SH       DEFINED                 10983        0     2048
FPL GROUP INC                        COM       302571104     1518    26705 SH       SOLE                    25655     1050        0
FPL GROUP INC                        COM       302571104      195     3430 SH       DEFINED                  1430        0     2000
FIRST MERCHANTS CORP                 COM       320817109     1647   205127 SH       SOLE                   204025     1102        0
FIRST MERCHANTS CORP                 COM       320817109       93    11587 SH       DEFINED                 11587        0        0
GENERAL ELECTRIC CO                  COM       369604103     2228   190098 SH       SOLE                   186948     2250      900
GENERAL ELECTRIC CO                  COM       369604103      157    13425 SH       DEFINED                  6025        0     7400
GRACO INC                            COM       384109104      781    35465 SH       SOLE                    35215      250        0
GRACO INC                            COM       384109104       18      825 SH       DEFINED                   825        0        0
HARRIS CORP DEL                      COM       413875105     1098    38710 SH       SOLE                    38160      550        0
HARRIS CORP DEL                      COM       413875105       35     1230 SH       DEFINED                  1230        0        0
HEINZ H J CO                         COM       423074103      127     3555 SH       SOLE                     3555        0        0
HEINZ H J CO                         COM       423074103       89     2500 SH       DEFINED                  1000        0     1500
HENRY JACK & ASSOCIATES              COM       426281101      494    23830 SH       SOLE                    23830        0        0
HENRY JACK & ASSOCIATES              COM       426281101        6      300 SH       DEFINED                   300        0        0
HEWLETT PACKARD CO                   COM       428236103     2398    62065 SH       SOLE                    61865        0      200
HEWLETT PACKARD CO                   COM       428236103      118     3050 SH       DEFINED                  3050        0        0
INTEL CORP                           COM       458140100     2796   169037 SH       SOLE                   166337     2700        0
INTEL CORP                           COM       458140100       55     3300 SH       DEFINED                  2300        0     1000
INTL BUSINESS MACHINES CORP          COM       459200101     2371    22711 SH       SOLE                    22361      350        0
INTL BUSINESS MACHINES CORP          COM       459200101       43      410 SH       DEFINED                   410        0        0
I SHARES BARCLAYS AGGREGATE          ETF       464287226      361     3537 SH       SOLE                     3537        0        0
MSCI EMERGING MARKET INDEX                     464287234      283     8773 SH       SOLE                     8773        0        0
MSCI EAFE INDEX SHARES                         464287465     3181    69434 SH       SOLE                    68059     1225      150
MSCI EAFE INDEX SHARES                         464287465       22      483 SH       DEFINED                   483        0        0
BIOTECHNOLOGY I SHARES               COM       464287556     1783    24505 SH       SOLE                    23880      625        0
BIOTECHNOLOGY I SHARES               COM       464287556       39      540 SH       DEFINED                   540        0        0
S&P 400 MIDCAP GROWTH                ISHARES   464287606     1241    19896 SH       SOLE                    19896        0        0
S&P 400 MIDCAP GROWTH                ISHARES   464287606       73     1177 SH       DEFINED                  1177        0        0
ISHARES RUSSELL 2000                 I SHARE   464287655      684    13387 SH       SOLE                    12967      420        0
ISHARES RUSSELL 2000                 I SHARE   464287655       15      285 SH       DEFINED                   285        0        0
S&P 400 MIDCAP VALUE                 ISHARES   464287705     1277    24500 SH       SOLE                    24178        0      322
S&P 400 MIDCAP VALUE                 ISHARES   464287705       91     1747 SH       DEFINED                  1747        0        0
I SHARES S&P SMALL CAP 600           COM       464287804     1126    25344 SH       SOLE                    24581      427      336
I SHARES S&P SMALL CAP 600           COM       464287804       86     1947 SH       DEFINED                  1947        0        0
S&P 600 SMALL CAP VALUE              ISHARES   464287879      626    13305 SH       SOLE                    13013        0      292
S&P 600 SMALL CAP VALUE              ISHARES   464287879       38      812 SH       DEFINED                   812        0        0
S&P 600 SMALL CAP GROWTH             ISHARES   464287887      805    17357 SH       SOLE                    17357        0        0
S&P 600 SMALL CAP GROWTH             ISHARES   464287887       34      738 SH       DEFINED                   738        0        0
J P MORGAN CHASE & CO                COM       46625H100     4476   131209 SH       SOLE                   130909      100      200
J P MORGAN CHASE & CO                COM       46625H100      432    12670 SH       DEFINED                 12670        0        0
JOHNSON & JOHNSON                    COM       478160104     5623    99023 SH       SOLE                    97873     1150        0
JOHNSON & JOHNSON                    COM       478160104      379     6666 SH       DEFINED                  3866        0     2800
KELLOGG CO                           COM       487836108      272     5840 SH       SOLE                     5840        0        0
KIMBERLY CLARK CORP                  COM       494368103     1620    30900 SH       SOLE                    30300      500      100
KIMBERLY CLARK CORP                  COM       494368103       52     1000 SH       DEFINED                  1000        0        0
KOHL'S CORP                          COM       500255104      915    21397 SH       SOLE                    20897      500        0
KOHL'S CORP                          COM       500255104       40      945 SH       DEFINED                   945        0        0
LABORATORY CORP                      COM       50540R409      304     4490 SH       SOLE                     4465       25        0
LABORATORY CORP                      COM       50540R409        9      135 SH       DEFINED                   135        0        0
LILLY ELI & CO                       COM       532457108     3931   113510 SH       SOLE                   113210      100      200
LILLY ELI & CO                       COM       532457108       47     1352 SH       DEFINED                  1352        0        0
LOWE'S COMPANIES INC                 COM       548661107     3300   170089 SH       SOLE                   168139     1850      100
LOWE'S COMPANIES INC                 COM       548661107       86     4415 SH       DEFINED                  4015        0      400
MDU RES GROUP INC                    COM       552690109      745    39290 SH       SOLE                    38490      800        0
MDU RES GROUP INC                    COM       552690109       29     1510 SH       DEFINED                  1210        0      300
MASCO CORP                           COM       574599106      432    45140 SH       SOLE                    45040      100        0
MASCO CORP                           COM       574599106       14     1485 SH       DEFINED                  1485        0        0
MCDONALDS CORP                       COM       580135101      616    10708 SH       SOLE                    10708        0        0
MCDONALDS CORP                       COM       580135101       78     1365 SH       DEFINED                  1365        0        0
MEDTRONIC INCORPORATED               COM       585055106     1417    40612 SH       SOLE                    39637      875      100
MEDTRONIC INCORPORATED               COM       585055106       25      725 SH       DEFINED                   725        0        0
MICROSOFT CORPORATION                COM       594918104     4100   172486 SH       SOLE                   170836     1650        0
MICROSOFT CORPORATION                COM       594918104      151     6340 SH       DEFINED                  5340        0     1000
MICROCHIP TECHNOLOGY                 COM       595017104     1371    60820 SH       SOLE                    59495     1325        0
MICROCHIP TECHNOLOGY                 COM       595017104       69     3075 SH       DEFINED                  3075        0        0
S&P 400 MIDCAP SPDR                            595635103     4566    43401 SH       SOLE                    42812      342      247
S&P 400 MIDCAP SPDR                            595635103      166     1581 SH       DEFINED                  1581        0        0
NORTHERN TR CORP                     COM       665859104      784    14605 SH       SOLE                    14355      250        0
NORTHERN TR CORP                     COM       665859104       25      465 SH       DEFINED                   465        0        0
NORTHROP GRUMMAN CORP                COM       666807102       27      600 SH       SOLE                      600        0        0
NORTHROP GRUMMAN CORP                COM       666807102      927    20290 SH       DEFINED                 20290        0        0
NVIDIA CORP                          COM       67066G104      882    78090 SH       SOLE                    76490     1600        0
NVIDIA CORP                          COM       67066G104       21     1825 SH       DEFINED                  1825        0        0
NUVEEN MUNI DIVIDEND ADVISOR                   67070X101      138    10980          SOLE                    10980        0        0
NUVEEN MUNI DIVIDEND ADVISOR                   67070X101       20     1600          DEFINED                  1600        0        0
OLD NATIONAL BANCORP                 COM       680033107      225    22884 SH       SOLE                    22884        0        0
ORACLE CORP                          COM       68389X105      970    45302 SH       SOLE                    44302     1000        0
ORACLE CORP                          COM       68389X105       51     2403 SH       DEFINED                  2403        0        0
PEPSICO INC                          COM       713448108     5441    99023 SH       SOLE                    97723     1100      200
PEPSICO INC                          COM       713448108      215     3910 SH       DEFINED                  3910        0        0
PFIZER INC                           COM       717081103      808    53875 SH       SOLE                    53675      200        0
PFIZER INC                           COM       717081103       50     3320 SH       DEFINED                  2320        0     1000
PHILLIP MORRIS INTL INC              COM       718172109      227     5195 SH       DEFINED                  2195        0     3000
T. ROWE PRICE GROUP INC              COM       74144T108      928    22271 SH       SOLE                    22271        0        0
T. ROWE PRICE GROUP INC              COM       74144T108       19      450 SH       DEFINED                   450        0        0
PROCTER & GAMBLE CO                  COM       742718109     4727    92523 SH       SOLE                    91448      875      200
PROCTER & GAMBLE CO                  COM       742718109      292     5710 SH       DEFINED                  3210        0     2500
ROBERT HALF INTERNATIONAL            COM       770323103      747    31645 SH       SOLE                    31645        0        0
ROBERT HALF INTERNATIONAL            COM       770323103       20      845 SH       DEFINED                   845        0        0
S&P 500 INDEX SPDR                             78462F103     1011    10991 SH       SOLE                    10991        0        0
SPDR MSCI ALL-COUNTRY WORLD EX-US INDEX EX ETF 78463X848     2171    85667 SH       SOLE                    85667        0        0
BARCLAYS INTL TREASURY               SPDR      78464A516     7291   133408 SH       SOLE                   131733     1675        0
BARCLAYS INTL TREASURY               SPDR      78464A516      198     3631 SH       DEFINED                  3631        0        0
SCHLUMBERGER LTD                     COM       806857108     4068    75180 SH       SOLE                    74350      630      200
SCHLUMBERGER LTD                     COM       806857108      127     2354 SH       DEFINED                  2354        0        0
MATERIALS SELECT SECTOR SPDR         COM       81369Y100      305    11840 SH       SOLE                    11710       80       50
MATERIALS SELECT SECTOR SPDR         COM       81369Y100        9      365 SH       DEFINED                   365        0        0
THE J.M. SMUCKER COMPANY             COM       832696405      756    15536 SH       SOLE                    15186      350        0
THE J.M. SMUCKER COMPANY             COM       832696405       15      315 SH       DEFINED                   315        0        0
SOUTHERN CO                          COM       842587107     1322    42435 SH       SOLE                    42385       50        0
SOUTHERN CO                          COM       842587107      149     4780 SH       DEFINED                  4080        0      700
STAPLES INC                          COM       855030102     2030   100599 SH       SOLE                    98999     1600        0
STAPLES INC                          COM       855030102       60     2995 SH       DEFINED                  2995        0        0
STRYKER CORP                         COM       863667101     1167    29379 SH       SOLE                    28679      700        0
STRYKER CORP                         COM       863667101       22      550 SH       DEFINED                   550        0        0
SUPERVALU INC                        COM       868536103      197    15240 SH       SOLE                    15165       75        0
SUPERVALU INC                        COM       868536103       19     1445 SH       DEFINED                  1445        0        0
SYSCO CORP                           COM       871829107     3294   146600 SH       SOLE                   144300     2100      200
SYSCO CORP                           COM       871829107      123     5495 SH       DEFINED                  5495        0        0
TEVA PHARMACEUTICAL                  ADR       881624209      650    13165 SH       SOLE                    12665      500        0
TEVA PHARMACEUTICAL                  ADR       881624209       67     1365 SH       DEFINED                  1365        0        0
THERMO FISHER SCIENTIFIC INC         COM       883556102      418    10250 SH       SOLE                     9750      500        0
3M COMPANY                           COM       88579Y101      823    13696 SH       SOLE                    13446      250        0
3M COMPANY                           COM       88579Y101      183     3050 SH       DEFINED                   850        0     2200
US BANCORP DEL                       COM       902973304     1690    94382 SH       SOLE                    92432     1800      150
US BANCORP DEL                       COM       902973304       30     1660 SH       DEFINED                   660        0     1000
UNITED PARCEL SERVICE                COM       911312106      188     3755 SH       SOLE                     3755        0        0
UNITED PARCEL SERVICE                COM       911312106       50     1000 SH       DEFINED                  1000        0        0
UNITED TECHNOLOGIES CORP             COM       913017109     5535   106542 SH       SOLE                   105242     1100      200
UNITED TECHNOLOGIES CORP             COM       913017109       69     1325 SH       DEFINED                  1325        0        0
VF CORP                              COM       918204108      668    12075 SH       SOLE                    11840      235        0
VF CORP                              COM       918204108       16      285 SH       DEFINED                   285        0        0
VNGRD FTSE ALLWORLD EXUS ETF                   922042775     2444    68069 SH       SOLE                    67564        0      505
VNGRD FTSE ALLWORLD EXUS ETF                   922042775       35      987 SH       DEFINED                   987        0        0
VECTREN CORP                         COM       92240G101     2098    89539 SH       SOLE                    88289     1250        0
VECTREN CORP                         COM       92240G101      151     6443 SH       DEFINED                  4543        0     1900
VERIZON COMMUNICATIONS INC           COM       92343V104     2291    74576 SH       SOLE                    73926      550      100
VERIZON COMMUNICATIONS INC           COM       92343V104       73     2372 SH       DEFINED                  2372        0        0
WAL MART STORES INC                  COM       931142103     3112    64267 SH       SOLE                    63942      325        0
WAL MART STORES INC                  COM       931142103      149     3080 SH       DEFINED                  3080        0        0
WELLS FARGO & CO                     COM       949746101     2498   103013 SH       SOLE                   101413     1200      400
WELLS FARGO & CO                     COM       949746101      129     5300 SH       DEFINED                  2900        0     2400
WYETH                                COM       983024100     2020    44506 SH       SOLE                    44406        0      100
WYETH                                COM       983024100      136     3000 SH       DEFINED                   600        0     2400
ZIMMER HLDGS INC                     COM       98956P102      333     7809 SH       SOLE                     7474      335        0
ZIMMER HLDGS INC                     COM       98956P102       23      545 SH       DEFINED                   545        0        0

 GRAND TOTALS                                     190776  5572654                                         5450791    57846    64017