IRWIN FINANCIAL CORPORATION                 IFC CAPITAL TRUST VI
         (Exact Name of Registrant               (Exact Name of Registrant
        as Specified in Its Charter)            as Specified in Its Charter)

               INDIANA                                   DELAWARE
        (State of Incorporation                   (State of Incorporation
            or Organization)                           or Organization)

             35-1286807                                APPLIED FOR
(I.R.S. Employer Identification No.)      (I.R.S. Employer Identification No.)

           500 WASHINGTON STREET                   500 WASHINGTON STREET
          COLUMBUS, INDIANA 47201                 COLUMBUS, INDIANA 47201
          (Address of Principal                    (Address of Principal
            Executive Offices)                       Executive Offices)

If this form relates to the registration of a class of securities pursuant to Section 12(g) of the Exchange Act and is effective pursuant to General Instruction A.(d), please check the following box. |_|

        Title of Each Class                     Name of Each Exchange on Which
        to be so Registered:                    Each Class is to be Registered:
        --------------------                    -------------------------------
  _____% Cumulative Trust Preferred                New York Stock Exchange
Securities (and the Guarantee with respect
               thereto)

ITEM 1. DESCRIPTION OF REGISTRANT'S SECURITIES TO BE REGISTERED.

The description of IFC Capital Trust VI's _____% Cumulative Trust Preferred Securities (the "Trust Preferred Securities") and Irwin Financial Corporation's guarantee (the "Guarantee") being registered hereby is incorporated herein by reference to the information contained under the captions "Description of the Preferred Securities," "Description of the Debentures" and "Description of the Guarantee" in the Prospectus that forms part of the Registration Statement (Registration No. 333-99597 and Registration No. 333-99597-01) filed by Irwin Financial Corporation and IFC Capital Trust VI with the Securities and Exchange Commission (the "Commission") on September 13, 2002 under the Securities Act of 1933, as amended. Definitive copies of the Prospectus describing the Trust Preferred Securities will be filed pursuant to Rule 424(b) or pursuant to an amendment to the Registration Statement under the Securities Act of 1933 and the above-referenced sections therein shall be incorporated by reference into this registration statement on Form 8-A.

ITEM 2. EXHIBITS.

All exhibits required by the Instruction to Item 2 will be provided to the New York Stock Exchange.

2.1 Certificate of Trust of IFC Capital Trust VI (incorporated by reference to Exhibit 4.8 to the Registration Statement).

2.2 Trust Agreement of IFC Capital Trust VI (incorporated by reference to Exhibit 4.9 to the Registration Statement).

2.3 Form of Amended and Restated Trust Agreement of IFC Capital Trust VI (incorporated by reference to Exhibit 4.10 to the Registration Statement).

2.4 Form of Preferred Securities Certificate of IFC Capital Trust VI (incorporated by reference to Exhibit 4.11 to the Registration Statement which is included as Exhibit D to Exhibit 4.10 to the Registration Statement).

2.5 Form of Preferred Securities Guarantee Agreement of IFC Capital Trust VI (incorporated by reference to Exhibit 4.12 to the Registration Statement).

2.6 Form of Indenture for Junior Subordinated Debentures (incorporated by reference to Exhibit 4.7 to the Registration Statement).

2.7 Form of Junior Subordinated Debenture (incorporated by reference to Exhibit 4.14 to the Registration Statement which is included as Exhibit A to Exhibit 4.7 to the Registration Statement).

Pursuant to the requirements of Section 12 of the Securities Exchange Act of 1934, the registrant has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized.

By: /s/ Gregory F. Ehlinger
   --------------------------------
    Gregory F. Ehlinger
    Senior Vice President and
    Chief Financial Officer

By: /s/ William I. Miller
   --------------------------------
    William I. Miller, as Trustee

By: /s/ Jody A. Littrell
   --------------------------------
    Jody A. Littrell, as Trustee

By: /s/ Gregory F. Ehlinger
   --------------------------------
    Gregory F. Ehlinger, as Trustee