LAKELAND FINANCIAL CORP
S-8, EX-23, 2000-10-23
STATE COMMERCIAL BANKS
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                                                                  Exhibit 23.1






                        CONSENT OF INDEPENDENT AUDITORS





We consent to the incorporation by reference in this Registration Statement on
Form S-8 of our report dated  January 14, 2000 on the  consolidated  financial
statements of Lakeland Financial  Corporation included in the Annual Report on
Form  10-K of  Lakeland  Financial  Corporation  for the year  ended  December
31,1999.

                                             /s/ Crowe, Chizek and Company LLP
                                             Crowe, Chizek and Company LLP

South Bend, Indiana
October 19, 2000





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