SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549

FORM 8-A

REGISTRATION OF CERTAIN CLASSES OF SECURITIES
PURSUANT TO SECTION 12(b) OR 12(g) OF THE
SECURITIES EXCHANGE ACT OF 1934 


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

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

               35-1286807                               35-6636128
  (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 Executive Offices)(Address of Principal Executive Offices)
If this form relates to the registration of a class of securities pursuant to Section 12(b) of the Exchange Act and is effective pursuant to General Instruction A.(c), please check the following box. |X|

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. | |

Securities to be Registered Pursuant to Section 12(b) of the Act: 


           Title of Each Class                 Name of Each Exchange on Which
          to be so Registered:                 Each Class is to be Registered:
         9.25% Cumulative Trust                    New York Stock Exchange
          Preferred Securities
(and the Guarantee with respect thereto)
Securities to be Registered Pursuant to Section 12(g) of the Act: None

INFORMATION REQUIRED IN REGISTRATION STATEMENT

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

The description of IFC Capital Trust I's 9.25% Cumulative Trust Preferred Securities (the "Preferred Securities") and Irwin Financial Corporation's guarantee (the "Guarantee") is incorporated herein by reference to the information contained under the captions "Description of the Preferred Securities," "Description of Subordinated Debentures" and "Description of Guarantee" in the Prospectus (Registration No. 333-18655 and Registration No. 333-18655-01) filed pursuant to Rule 424(b) with the Securities and Exchange Commission ("SEC") on January 14, 1997 under the Securities Act of 1933, as amended.

ITEM 2. EXHIBITS.

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

SIGNATURE

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. 


Dated September 19, 2001                     IRWIN FINANCIAL CORPORATION

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


                                             IFC CAPITAL TRUST I


                                             By: /s/ Matthew F. Souza
                                                 -------------------------------
                                                 Matthew F. Souza, as Trustee

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

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