UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

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

                                    FORM 13F

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

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:  March 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         April 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: 214

Form 13F Information Table Value Total: $166,203,000


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      710    25840 SH       SOLE                    25440      300      100
ACCENTURE LTD CLASS A              COM          G1150G111       18      650 SH       DEFINED                   650        0        0
INGERSOLL RAND CL A                COM          G4776G101      641    46450 SH       SOLE                    45100      900      450
INGERSOLL RAND CL A                COM          G4776G101       29     2105 SH       DEFINED                  2105        0        0
AT&T INC                           COM          00206R102     3148   124928 SH       SOLE                   124421       75      432
AT&T INC                           COM          00206R102      251     9975 SH       DEFINED                  6590        0     3385
ABBOTT LABS                        COM          002824100     3510    73590 SH       SOLE                    72240     1050      300
ABBOTT LABS                        COM          002824100      262     5489 SH       DEFINED                  4889        0      600
ALBERTO CULVER CO NEW              COM          013078100      335    14835 SH       SOLE                    14835        0        0
ALBERTO CULVER CO NEW              COM          013078100        7      300 SH       DEFINED                   300        0        0
APACHE CORP                        COM          037411105      359     5600 SH       SOLE                     5200      400        0
APACHE CORP                        COM          037411105        6      100 SH       DEFINED                   100        0        0
AUTOMATIC DATA PROCESSING          COM          053015103     4123   117301 SH       SOLE                   115601     1150      550
AUTOMATIC DATA PROCESSING          COM          053015103       35      990 SH       DEFINED                   990        0        0
BB & T CORPORATION                 COM          054937107      216    12750 SH       SOLE                    12750        0        0
BB & T CORPORATION                 COM          054937107       33     1925 SH       DEFINED                   925        0     1000
BP PLC - SPONS                     ADR          055622104     2806    70000 SH       SOLE                    69325      375      300
BP PLC - SPONS                     ADR          055622104     1230    30683 SH       DEFINED                 21183        0     9500
BALL CORP                          COM          058498106     2142    49364 SH       SOLE                    49364        0        0
BANK OF AMERICA CORP               COM          060505104       68     9950 SH       SOLE                     9350      300      300
BANK OF AMERICA CORP               COM          060505104       29     4200 SH       DEFINED                  2900        0     1300
BANK OF NEW YORK MELLON CORP       COM          064058100      473    16736 SH       SOLE                    16086      550      100
BANK OF NEW YORK MELLON CORP       COM          064058100        5      160 SH       DEFINED                   160        0        0
BAXTER INTERNATIONAL INC           COM          071813109     1047    20445 SH       SOLE                    20345       50       50
BAXTER INTERNATIONAL INC           COM          071813109       21      405 SH       DEFINED                   405        0        0
BECTON DICKINSON & CO              COM          075887109      274     4080 SH       SOLE                     4050       30        0
BECTON DICKINSON & CO              COM          075887109        2       25 SH       DEFINED                    25        0        0
BED BATH & BEYOND                  COM          075896100      361    14570 SH       SOLE                    14570        0        0
BED BATH & BEYOND                  COM          075896100       22      895 SH       DEFINED                   895        0        0
BEST BUY COMPANY INC               COM          086516101      723    19059 SH       SOLE                    18809      250        0
BEST BUY COMPANY INC               COM          086516101       33      878 SH       DEFINED                   878        0        0
CATERPILLAR INC.                   COM          149123101      467    16712 SH       SOLE                    16062      650        0
CATERPILLAR INC.                   COM          149123101       10      356 SH       DEFINED                   356        0        0
CHEVRON CORP                       COM          166764100     5550    82537 SH       SOLE                    81212      825      500
CHEVRON CORP                       COM          166764100      197     2925 SH       DEFINED                  2125        0      800
CHUBB CORP                         COM          171232101      642    15167 SH       SOLE                    15167        0        0
CHUBB CORP                         COM          171232101       25      595 SH       DEFINED                   595        0        0
CISCO SYSTEMS                      COM          17275R102     1727   102960 SH       SOLE                   101460     1100      400
CISCO SYSTEMS                      COM          17275R102       23     1395 SH       DEFINED                  1395        0        0
CITY NATIONAL                      COM          178566105      340    10055 SH       SOLE                     9705      350        0
CITY NATIONAL                      COM          178566105       41     1210 SH       DEFINED                  1210        0        0
COCA COLA CO                       COM          191216100     1076    24474 SH       SOLE                    24474        0        0
COCA COLA CO                       COM          191216100      105     2400 SH       DEFINED                  2400        0        0
COLGATE PALMOLIVE CO               COM          194162103     1157    19626 SH       SOLE                    18676      850      100
COLGATE PALMOLIVE CO               COM          194162103      109     1850 SH       DEFINED                   250        0     1600
CONOCOPHILLIPS                     COM          20825C104     1611    41152 SH       SOLE                    40102      900      150
CONOCOPHILLIPS                     COM          20825C104       65     1650 SH       DEFINED                  1650        0        0
COVANCE INC                        COM          222816100      444    12460 SH       SOLE                    11660      700      100
COVANCE INC                        COM          222816100       15      425 SH       DEFINED                   425        0        0
CULLEN FROST BANKERS               COM          229899109      197     4195 SH       SOLE                     3895      300        0
CULLEN FROST BANKERS               COM          229899109       22      460 SH       DEFINED                   460        0        0
DNP SELECT INCOME FUND                          23325P104      453    66668 SH       SOLE                    64638     1030     1000
DNP SELECT INCOME FUND                          23325P104       24     3600 SH       DEFINED                  3600        0        0
DANAHER CORP                       COM          235851102     1022    18855 SH       SOLE                    18155      600      100
DANAHER CORP                       COM          235851102       38      700 SH       DEFINED                   700        0        0
DEERE & CO                         COM          244199105      218     6630 SH       SOLE                     5930      700        0
DEERE & CO                         COM          244199105       18      550 SH       DEFINED                   550        0        0
DISNEY WALT COMPANY                COM          254687106     1131    62295 SH       SOLE                    62220       75        0
DISNEY WALT COMPANY                COM          254687106        5      300 SH       DEFINED                   300        0        0
DONALDSON INC                      COM          257651109      420    15645 SH       SOLE                    15445      200        0
DONALDSON INC                      COM          257651109        3      100 SH       DEFINED                   100        0        0
DU PONT E I DE NEMOURS             COM          263534109      460    20622 SH       SOLE                    19872      750        0
DU PONT E I DE NEMOURS             COM          263534109       10      470 SH       DEFINED                   470        0        0
ECOLAB INC                         COM          278865100      589    16955 SH       SOLE                    16755      150       50
ECOLAB INC                         COM          278865100       10      300 SH       DEFINED                   300        0        0
EMERSON ELEC CO                    COM          291011104     2845    99591 SH       SOLE                    98391      800      400
EMERSON ELEC CO                    COM          291011104      144     5040 SH       DEFINED                  3040        0     2000
ENDO PHARM HLDG INC                COM          29264F205      381    21545 SH       SOLE                    20745      700      100
ENDO PHARM HLDG INC                COM          29264F205        6      340 SH       DEFINED                   340        0        0
EXELON CORP                        COM          30161N101      449     9900 SH       SOLE                     9900        0        0
EXELON CORP                        COM          30161N101       27      600 SH       DEFINED                   600        0        0
EXXON MOBIL CORP                   COM          30231G102     7919   116281 SH       SOLE                   114891      940      450
EXXON MOBIL CORP                   COM          30231G102      973    14284 SH       DEFINED                 12236        0     2048
FPL GROUP INC                      COM          302571104     1217    24000 SH       SOLE                    23000     1000        0
FPL GROUP INC                      COM          302571104      162     3200 SH       DEFINED                  1200        0     2000
FIRST MERCHANTS CORP               COM          320817109     1618   149992 SH       SOLE                   148890     1102        0
FIRST MERCHANTS CORP               COM          320817109      133    12367 SH       DEFINED                 12367        0        0
GENERAL ELECTRIC CO                COM          369604103     2082   205928 SH       SOLE                   202228     2250     1450
GENERAL ELECTRIC CO                COM          369604103      173    17125 SH       DEFINED                  9025        0     8100
GRACO INC                          COM          384109104      580    34015 SH       SOLE                    33665      250      100
GRACO INC                          COM          384109104       14      825 SH       DEFINED                   825        0        0
HARRIS CORP DEL                    COM          413875105      850    29390 SH       SOLE                    28840      550        0
HARRIS CORP DEL                    COM          413875105       20      695 SH       DEFINED                   695        0        0
HENRY JACK & ASSOCIATES            COM          426281101      207    12705 SH       SOLE                    12705        0        0
HENRY JACK & ASSOCIATES            COM          426281101        5      300 SH       DEFINED                   300        0        0
HEWLETT PACKARD CO                 COM          428236103     2008    62650 SH       SOLE                    62250        0      400
HEWLETT PACKARD CO                 COM          428236103       98     3050 SH       DEFINED                  3050        0        0
INTEL CORP                         COM          458140100     2716   180695 SH       SOLE                   177395     2700      600
INTEL CORP                         COM          458140100       50     3300 SH       DEFINED                  2300        0     1000
INTL BUSINESS MACHINES CORP        COM          459200101     2247    23196 SH       SOLE                    22696      350      150
INTL BUSINESS MACHINES CORP        COM          459200101       40      410 SH       DEFINED                   410        0        0
I SHARES LEHMAN AGGREGATE                       464287226      359     3537 SH       SOLE                     3537        0        0
MSCI EAFE INDEX SHARES                          464287465     2663    70849 SH       SOLE                    68614     1225     1010
MSCI EAFE INDEX SHARES                          464287465       18      483 SH       DEFINED                   483        0        0
BIOTECHNOLOGY I SHARES             COM          464287556     1526    23000 SH       SOLE                    22325      625       50
BIOTECHNOLOGY I SHARES             COM          464287556       36      540 SH       DEFINED                   540        0        0
S&P 400 MIDCAP GROWTH              ISHARES      464287606      710    13505 SH       SOLE                    13505        0        0
S&P 400 MIDCAP GROWTH              ISHARES      464287606       40      754 SH       DEFINED                   754        0        0
ISHARES RUSSELL 2000               I SHARES     464287655      571    13582 SH       SOLE                    12992      420      170
ISHARES RUSSELL 2000               I SHARES     464287655       12      285 SH       DEFINED                   285        0        0
S&P 400 MIDCAP VALUE               ISHARES      464287705      777    17632 SH       SOLE                    17410        0      222
S&P 400 MIDCAP VALUE               ISHARES      464287705       57     1284 SH       DEFINED                  1284        0        0
I SHARES S&P SMALL CAP 600         COM          464287804      919    25270 SH       SOLE                    24507      427      336
I SHARES S&P SMALL CAP 600         COM          464287804       65     1797 SH       DEFINED                  1797        0        0
S&P 600 SMALL CAP VALUE            ISHARES      464287879      452    11626 SH       SOLE                    11427        0      199
S&P 600 SMALL CAP VALUE            ISHARES      464287879       26      669 SH       DEFINED                   669        0        0
S&P 600 SMALL CAP GROWTH           ISHARES      464287887      541    14254 SH       SOLE                    14254        0        0
S&P 600 SMALL CAP GROWTH           ISHARES      464287887       20      528 SH       DEFINED                   528        0        0
J P MORGAN CHASE & CO              COM          46625H100     2570    96734 SH       SOLE                    96034      100      600
J P MORGAN CHASE & CO              COM          46625H100      337    12670 SH       DEFINED                 12670        0        0
JARDEN CORPORATION                 COM          471109108      127    10035 SH       SOLE                    10035        0        0
JOHNSON & JOHNSON                  COM          478160104     5235    99538 SH       SOLE                    98188     1150      200
JOHNSON & JOHNSON                  COM          478160104      436     8291 SH       DEFINED                  5491        0     2800
JOHNSON CTLS INC                   COM          478366107      265    22050 SH       SOLE                    21000      900      150
JOHNSON CTLS INC                   COM          478366107        3      250 SH       DEFINED                   250        0        0
KELLOGG CO                         COM          487836108      214     5840 SH       SOLE                     5840        0        0
KIMBERLY CLARK CORP                COM          494368103     1447    31385 SH       SOLE                    30635      500      250
KIMBERLY CLARK CORP                COM          494368103       48     1050 SH       DEFINED                  1050        0        0
KOHL'S CORP                        COM          500255104      928    21932 SH       SOLE                    21332      500      100
KOHL'S CORP                        COM          500255104       40      945 SH       DEFINED                   945        0        0
LABORATORY CORP                    COM          50540R409      289     4945 SH       SOLE                     4945        0        0
LABORATORY CORP                    COM          50540R409        8      135 SH       DEFINED                   135        0        0
LILLY ELI & CO                     COM          532457108     4317   129250 SH       SOLE                   128850      100      300
LILLY ELI & CO                     COM          532457108       42     1250 SH       DEFINED                  1250        0        0
LOWE'S COMPANIES INC               COM          548661107     3088   169184 SH       SOLE                   166734     1850      600
LOWE'S COMPANIES INC               COM          548661107       73     4015 SH       DEFINED                  3615        0      400
MDU RES GROUP INC                  COM          552690109      215    13320 SH       SOLE                    12620      600      100
MDU RES GROUP INC                  COM          552690109        1       80 SH       DEFINED                    80        0        0
MASCO CORP                         COM          574599106      260    37280 SH       SOLE                    36780      100      400
MASCO CORP                         COM          574599106       10     1485 SH       DEFINED                  1485        0        0
MCDONALDS CORP                     COM          580135101      676    12395 SH       SOLE                    12395        0        0
MCDONALDS CORP                     COM          580135101       74     1365 SH       DEFINED                  1365        0        0
MEDTRONIC INCORPORATED             COM          585055106     1214    41212 SH       SOLE                    40137      875      200
MEDTRONIC INCORPORATED             COM          585055106       21      725 SH       DEFINED                   725        0        0
MICROSOFT CORPORATION              COM          594918104     3243   176636 SH       SOLE                   174786     1650      200
MICROSOFT CORPORATION              COM          594918104      116     6340 SH       DEFINED                  5340        0     1000
MICROCHIP TECHNOLOGY               COM          595017104      991    46810 SH       SOLE                    45310     1300      200
MICROCHIP TECHNOLOGY               COM          595017104       57     2675 SH       DEFINED                  2675        0        0
S&P 400 MIDCAP SPDR                             595635103     3858    43553 SH       SOLE                    42964      342      247
S&P 400 MIDCAP SPDR                             595635103      135     1521 SH       DEFINED                  1521        0        0
NORTHERN TR CORP                   COM          665859104      720    12045 SH       SOLE                    11855      150       40
NORTHERN TR CORP                   COM          665859104       13      215 SH       DEFINED                   215        0        0
NORTHROP GRUMMAN CORP              COM          666807102       14      320 SH       SOLE                      320        0        0
NORTHROP GRUMMAN CORP              COM          666807102      885    20290 SH       DEFINED                 20290        0        0
NVIDIA CORP                        COM          67066G104      531    53880 SH       SOLE                    52155     1600      125
NVIDIA CORP                        COM          67066G104       14     1425 SH       DEFINED                  1425        0        0
NUVEEN MUNI DIVIDEND ADVISOR                    67070X101      123    10980          SOLE                    10980        0        0
NUVEEN MUNI DIVIDEND ADVISOR                    67070X101       18     1600          DEFINED                  1600        0        0
OLD NATIONAL BANCORP               COM          680033107      267    23884 SH       SOLE                    23884        0        0
ORACLE CORP                        COM          68389X105      913    50532 SH       SOLE                    49382     1000      150
ORACLE CORP                        COM          68389X105       48     2633 SH       DEFINED                  2633        0        0
PEPSICO INC                        COM          713448108     5288   102743 SH       SOLE                   101143     1100      500
PEPSICO INC                        COM          713448108      287     5575 SH       DEFINED                  5575        0        0
PFIZER INC                         COM          717081103      821    60290 SH       SOLE                    59890      200      200
PFIZER INC                         COM          717081103       48     3500 SH       DEFINED                  2500        0     1000
T. ROWE PRICE GROUP INC            COM          74144T108      657    22781 SH       SOLE                    22731        0       50
T. ROWE PRICE GROUP INC            COM          74144T108       13      450 SH       DEFINED                   450        0        0
PRINCIPAL FINANCIAL GROUP          COM          74251V102       84    10290 SH       SOLE                     9790      450       50
PRINCIPAL FINANCIAL GROUP          COM          74251V102        1      160 SH       DEFINED                   160        0        0
PROCTER & GAMBLE CO                COM          742718109     4417    93808 SH       SOLE                    92683      875      250
PROCTER & GAMBLE CO                COM          742718109      283     6010 SH       DEFINED                  3010        0     3000
ROBERT HALF INTERNATIONAL          COM          770323103      481    27020 SH       SOLE                    27020        0        0
ROBERT HALF INTERNATIONAL          COM          770323103        8      445 SH       DEFINED                   445        0        0
S&P 500 INDEX SPDR                              78462F103      903    11351 SH       SOLE                    11351        0        0
SPDR MSCI ALL-COUNTRY WORLD EX-US INDEX ETF     78463X848     1724    85667 SH       SOLE                    85667        0        0
LEHMAN INTL TREASURY BOND                       78464A516     5118   100068 SH       SOLE                    99023     1045        0
LEHMAN INTL TREASURY BOND                       78464A516      126     2457 SH       DEFINED                  2457        0        0
SCHLUMBERGER LTD                   COM          806857108     3130    77075 SH       SOLE                    76045      630      400
SCHLUMBERGER LTD                   COM          806857108       87     2154 SH       DEFINED                  2154        0        0
MATERIALS SELECT SECTOR SPDR       COM          81369Y100      334    15030 SH       SOLE                    14850       80      100
MATERIALS SELECT SECTOR SPDR       COM          81369Y100       10      465 SH       DEFINED                   465        0        0
SECTOR SPDR UTILITIES              COM          81369Y886      231     9035 SH       SOLE                     8960        0       75
SECTOR SPDR UTILITIES              COM          81369Y886        8      330 SH       DEFINED                   330        0        0
THE J.M. SMUCKER COMPANY           COM          832696405      574    15401 SH       SOLE                    15001      350       50
THE J.M. SMUCKER COMPANY           COM          832696405       12      315 SH       DEFINED                   315        0        0
SOUTHERN CO                        COM          842587107     1290    42135 SH       SOLE                    41885       50      200
SOUTHERN CO                        COM          842587107      146     4780 SH       DEFINED                  4080        0      700
STAPLES INC                        COM          855030102     1864   102919 SH       SOLE                   101019     1600      300
STAPLES INC                        COM          855030102       54     2995 SH       DEFINED                  2995        0        0
STRYKER CORP                       COM          863667101      825    24224 SH       SOLE                    23524      700        0
STRYKER CORP                       COM          863667101        9      250 SH       DEFINED                   250        0        0
SUPERVALU INC                      COM          868536103      212    14820 SH       SOLE                    14745       75        0
SUPERVALU INC                      COM          868536103       21     1445 SH       DEFINED                  1445        0        0
SYSCO CORP                         COM          871829107     2993   131344 SH       SOLE                   129094     2050      200
SYSCO CORP                         COM          871829107      107     4700 SH       DEFINED                  4700        0        0
TEVA PHARMACEUTICAL                ADR          881624209      568    12615 SH       SOLE                    12115      500        0
TEVA PHARMACEUTICAL                ADR          881624209       52     1165 SH       DEFINED                  1165        0        0
THERMO FISHER SCIENTIFIC INC       COM          883556102      380    10650 SH       SOLE                    10150      500        0
3M COMPANY                         COM          88579Y101      685    13786 SH       SOLE                    13536      250        0
3M COMPANY                         COM          88579Y101      152     3050 SH       DEFINED                   850        0     2200
US BANCORP DEL                     COM          902973304     1514   103638 SH       SOLE                   101388     1800      450
US BANCORP DEL                     COM          902973304       38     2570 SH       DEFINED                  1570        0     1000
UNITED PARCEL SERVICE              COM          911312106      167     3400 SH       SOLE                     3400        0        0
UNITED PARCEL SERVICE              COM          911312106       49     1000 SH       DEFINED                  1000        0        0
UNITED TECHNOLOGIES CORP           COM          913017109     4727   110007 SH       SOLE                   108407     1100      500
UNITED TECHNOLOGIES CORP           COM          913017109       58     1355 SH       DEFINED                  1355        0        0
VF CORP                            COM          918204108      483     8450 SH       SOLE                     8115      235      100
VF CORP                            COM          918204108        5       85 SH       DEFINED                    85        0        0
VNGRD FTSE ALLWORLD EXUS ETF                    922042775     1852    65899 SH       SOLE                    65489        0      410
VNGRD FTSE ALLWORLD EXUS ETF                    922042775       19      683 SH       DEFINED                   683        0        0
VECTREN CORP                       COM          92240G101     1759    83384 SH       SOLE                    81934     1250      200
VECTREN CORP                       COM          92240G101      127     6018 SH       DEFINED                  4118        0     1900
VERIZON COMMUNICATIONS INC         COM          92343V104     2057    68110 SH       SOLE                    67310      550      250
VERIZON COMMUNICATIONS INC         COM          92343V104       72     2372 SH       DEFINED                  2372        0        0
WAL MART STORES INC                COM          931142103     3427    65792 SH       SOLE                    65192      300      300
WAL MART STORES INC                COM          931142103      150     2880 SH       DEFINED                  2880        0        0
WELLS FARGO & CO                   COM          949746101     2048   143813 SH       SOLE                   141513     1300     1000
WELLS FARGO & CO                   COM          949746101       77     5400 SH       DEFINED                  3000        0     2400
WEYERHAEUSER CO                    COM          962166104      375    13600 SH       SOLE                    13500        0      100
WEYERHAEUSER CO                    COM          962166104        3      100 SH       DEFINED                   100        0        0
WYETH                              COM          983024100     1958    45491 SH       SOLE                    45091        0      400
WYETH                              COM          983024100      130     3010 SH       DEFINED                   610        0     2400
ZIMMER HLDGS INC                   COM          98956P102      302     8279 SH       SOLE                     7944      335        0
ZIMMER HLDGS INC                   COM          98956P102       20      555 SH       DEFINED                   555        0        0

 GRAND TOTALS                                               166203  5423480                                5292790    57991    72699