<SEC-DOCUMENT>0000927089-18-000017-index.html : 20180117
<SEC-HEADER>0000927089-18-000017.hdr.sgml : 20180117
<ACCEPTANCE-DATETIME>20180117162846
ACCESSION NUMBER:		0000927089-18-000017
CONFORMED SUBMISSION TYPE:	S-4
PUBLIC DOCUMENT COUNT:		14
FILED AS OF DATE:		20180117
DATE AS OF CHANGE:		20180117

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MUTUALFIRST FINANCIAL INC
		CENTRAL INDEX KEY:			0001094810
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				371392810
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-4
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-222583
		FILM NUMBER:		18531756

	BUSINESS ADDRESS:	
		STREET 1:		110 E CHARLES STREET
		CITY:			MUNCIE
		STATE:			IN
		ZIP:			47305
		BUSINESS PHONE:		7657472800

	MAIL ADDRESS:	
		STREET 1:		110 E CHARLES STREET
		CITY:			MUNCIE
		STATE:			IN
		ZIP:			47305

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFS FINANCIAL INC
		DATE OF NAME CHANGE:	19990910
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-4
<SEQUENCE>1
<FILENAME>mfsf-s4012018.htm
<TEXT>
Document 1 - file: mfsf-s4012018.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>ex51.htm
<DESCRIPTION>OPINION OF SILVER, FREEDMAN, TAFF AND TIERNAN LLP AS TO CERTAIN FEDERAL INCOME TAX MATTERS
<TEXT>
Document 2 - file: ex51.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8.1
<SEQUENCE>3
<FILENAME>ex81.htm
<TEXT>
Document 3 - file: ex81.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8.2
<SEQUENCE>4
<FILENAME>ex82.htm
<TEXT>
Document 4 - file: ex82.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>5
<FILENAME>ex231.htm
<DESCRIPTION>CONSENT OF BKD, LLP
<TEXT>
Document 5 - file: ex231.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>6
<FILENAME>ex232.htm
<DESCRIPTION>CONSENT OF CROWE HORWATH LLP
<TEXT>
Document 6 - file: ex232.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>7
<FILENAME>ex991.htm
<DESCRIPTION>CONSENT OF BOENNING & SCATTERGOOD, INC.
<TEXT>
Document 7 - file: ex991.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>8
<FILENAME>ex992.htm
<DESCRIPTION>FORM OF PROXY CARD OF UNIVERSAL BANCORP
<TEXT>
Document 8 - file: ex992.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>image1.jpg
<TEXT>
Document 9 - file: image1.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>image2.jpg
<TEXT>
Document 10 - file: image2.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>image00003.jpg
<TEXT>
Document 11 - file: image00003.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>image00004.jpg
<TEXT>
Document 12 - file: image00004.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>image00005.jpg
<TEXT>
Document 13 - file: image00005.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>image00006.jpg
<TEXT>
Document 14 - file: image00006.jpg

</DOCUMENT>
</SEC-DOCUMENT>