<SEC-DOCUMENT>0000712534-23-000291.txt : 20231026
<SEC-HEADER>0000712534-23-000291.hdr.sgml : 20231026
<ACCEPTANCE-DATETIME>20231026081336
ACCESSION NUMBER:		0000712534-23-000291
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231026
DATE AS OF CHANGE:		20231026
EFFECTIVENESS DATE:		20231026

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST MERCHANTS CORP
		CENTRAL INDEX KEY:			0000712534
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				351544218
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-13037
		FILM NUMBER:		231347567

	BUSINESS ADDRESS:	
		STREET 1:		200 E JACKSON ST
		STREET 2:		PO BOX 792
		CITY:			MUNCIE
		STATE:			IN
		ZIP:			47308-0792
		BUSINESS PHONE:		7657471500

	MAIL ADDRESS:	
		STREET 1:		200 EAST JACKSON STREET
		CITY:			MUNCIE
		STATE:			IN
		ZIP:			47305
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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          <cik>0000712534</cik>
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      <periodOfReport>09-30-2023</periodOfReport>
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      <reportCalendarOrQuarter>09-30-2023</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>FIRST MERCHANTS CORP</name>
        <address>
          <com:street1>200 East Jackson Street</com:street1>
          <com:city>Muncie</com:city>
          <com:stateOrCountry>IN</com:stateOrCountry>
          <com:zipCode>47305</com:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-13037</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Candy Shannon</name>
      <title>Vice President</title>
      <phone>7657471315</phone>
      <signature>Candy Shannon</signature>
      <city>Muncie</city>
      <stateOrCountry>IN</stateOrCountry>
      <signatureDate>10-23-2023</signatureDate>
    </signatureBlock>
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      <tableEntryTotal>331</tableEntryTotal>
      <tableValueTotal>1122032552</tableValueTotal>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<DESCRIPTION>INFORMATION TABLE
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STOCK</titleOfClass><cusip>806857108</cusip><value>7002216</value><shrsOrPrnAmt><sshPrnamt>120130</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>118600</Sole><Shared>502</Shared><None>1028</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>806857108</cusip><value>4080</value><shrsOrPrnAmt><sshPrnamt>70</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>70</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHARLES SCHWAB CORP         COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>808513105</cusip><value>7193688</value><shrsOrPrnAmt><sshPrnamt>131035</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>130236</Sole><Shared>246</Shared><None>553</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHARLES SCHWAB CORP         COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>808513105</cusip><value>3239</value><shrsOrPrnAmt><sshPrnamt>59</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>59</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB INTERNATIONAL DVD ETF</nameOfIssuer><titleOfClass>ETF INTERNATIONAL</titleOfClass><cusip>808524672</cusip><value>5285400</value><shrsOrPrnAmt><sshPrnamt>229800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>229800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB INTERNATIONAL DVD ETF</nameOfIssuer><titleOfClass>ETF INTERNATIONAL</titleOfClass><cusip>808524672</cusip><value>52693</value><shrsOrPrnAmt><sshPrnamt>2291</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>2291</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR         US DIVIDEND EQ</nameOfIssuer><titleOfClass>ETF LARGE 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STOCK</titleOfClass><cusip>81369Y209</cusip><value>9260288</value><shrsOrPrnAmt><sshPrnamt>71931</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>71050</Sole><Shared>824</Shared><None>57</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HEALTHCARE SECTOR           ETF SPDR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81369Y209</cusip><value>219887</value><shrsOrPrnAmt><sshPrnamt>1708</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>1708</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSUMER STAPLES SECTOR     ETF SPDR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81369Y308</cusip><value>7232888</value><shrsOrPrnAmt><sshPrnamt>105116</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>103891</Sole><Shared>1058</Shared><None>167</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSUMER STAPLES SECTOR     ETF SPDR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81369Y308</cusip><value>215856</value><shrsOrPrnAmt><sshPrnamt>3137</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>3137</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSUMER DISCRETION SECTOR  ETF</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81369Y407</cusip><value>5498963</value><shrsOrPrnAmt><sshPrnamt>34160</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33642</Sole><Shared>409</Shared><None>109</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSUMER DISCRETION SECTOR  ETF</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81369Y407</cusip><value>91275</value><shrsOrPrnAmt><sshPrnamt>567</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>567</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENERGY SECTOR               ETF SPDR</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>81369Y704</cusip><value>2518281</value><shrsOrPrnAmt><sshPrnamt>24841</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>24624</Sole><Shared>190</Shared><None>27</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR    ETF SPDR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81369Y803</cusip><value>5534730</value><shrsOrPrnAmt><sshPrnamt>33763</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33680</Sole><Shared>0</Shared><None>83</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM SERVICES               SPDR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81369Y852</cusip><value>4163680</value><shrsOrPrnAmt><sshPrnamt>63511</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>62420</Sole><Shared>768</Shared><None>323</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM SERVICES               SPDR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81369Y852</cusip><value>40515</value><shrsOrPrnAmt><sshPrnamt>618</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>618</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REAL ESTATE SELECT SEC      ETF</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>81369Y886</cusip><value>47144</value><shrsOrPrnAmt><sshPrnamt>800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICE NOW INC             COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81762P102</cusip><value>6495407</value><shrsOrPrnAmt><sshPrnamt>11621</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11541</Sole><Shared>24</Shared><None>56</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICE NOW INC             COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81762P102</cusip><value>2235</value><shrsOrPrnAmt><sshPrnamt>4</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>4</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SITEONE LANDSCAPE SUPPLY INCCOM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>82982L103</cusip><value>2167319</value><shrsOrPrnAmt><sshPrnamt>13260</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13260</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SITEONE LANDSCAPE SUPPLY INCCOM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>82982L103</cusip><value>162632</value><shrsOrPrnAmt><sshPrnamt>995</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>995</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THE J.M. SMUCKER COMPANY    COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>832696405</cusip><value>1521095</value><shrsOrPrnAmt><sshPrnamt>12376</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11953</Sole><Shared>423</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THE J.M. SMUCKER COMPANY    COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>832696405</cusip><value>30480</value><shrsOrPrnAmt><sshPrnamt>248</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>248</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>855244109</cusip><value>2778141</value><shrsOrPrnAmt><sshPrnamt>30439</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>30229</Sole><Shared>0</Shared><None>210</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORP                COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>16403065</value><shrsOrPrnAmt><sshPrnamt>60028</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>59190</Sole><Shared>631</Shared><None>207</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORP                COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>119140</value><shrsOrPrnAmt><sshPrnamt>436</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>436</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP                  COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>607568</value><shrsOrPrnAmt><sshPrnamt>9200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8300</Sole><Shared>900</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC NEW             COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>9725092</value><shrsOrPrnAmt><sshPrnamt>109420</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>107694</Sole><Shared>1301</Shared><None>425</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC NEW             COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>36885</value><shrsOrPrnAmt><sshPrnamt>415</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>415</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA MOTORS INC            COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88160R101</cusip><value>525462</value><shrsOrPrnAmt><sshPrnamt>2100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TEXAS INSTRS INC            COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>882508104</cusip><value>5781795</value><shrsOrPrnAmt><sshPrnamt>36362</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>36109</Sole><Shared>175</Shared><None>78</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TEXAS INSTRS INC            COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>882508104</cusip><value>19399</value><shrsOrPrnAmt><sshPrnamt>122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>122</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer><titleOfClass>COMMON 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