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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>


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    <TD><FONT size="2">As filed with the Securities and Exchange
Commission on October&nbsp;21, 2003</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="3" align="center"><FONT size="2">Registration No.&nbsp;33-</FONT></TD>
</TR>
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</DIV>

<P align="center"><HR size="1" noshade width="100%">
<P align="center"><FONT size="4"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B>
</FONT>

<DIV align="center"><FONT size="3"><B>Washington, D.C. 20549</B>
</FONT></DIV>

<P align="center"><FONT size="5"><B>FORM S-8</B>
</FONT>

<P align="center"><FONT size="2"><B>REGISTRATION STATEMENT</B><BR>
Under<BR>
The Securities Act of 1933
</FONT>
<P align="center"><HR size="1" noshade width="26%">
<P align="center"><FONT size="6"><B>St. Joseph Capital Corporation</B>
</FONT>

<DIV align="center"><FONT size="2">(Exact name of Registrant as specified in its charter)</FONT></DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">

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    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
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<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2"><B>Delaware</B><BR>
(State or other jurisdiction of<BR>
incorporation or organization)</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<B>35-1977746</B><BR>
(I.R.S. Employer<BR>
Identification No.)</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><HR size="1" noshade width="26%">
<P align="center"><FONT size="2"><B>3820 Edison Lakes Parkway<BR>
Mishawaka, Indiana 46545</B><BR>
(Address of principal executive offices)\
</FONT>
<P align="center"><HR size="1" noshade width="26%">
<P align="center"><FONT size="3"><B>ST. JOSEPH CAPITAL CORPORATION 1996<BR>
STOCK INCENTIVE PLAN<BR></B>
</FONT>
<FONT size="2"><B>(Full title of the plan)</B>
</FONT>

<P align="center"><HR size="1" noshade width="26%">
<P align="center"><FONT size="2"><B>John W. Rosenthal<BR>
President and Chief Executive Officer<BR>
St. Joseph Capital Corporation<BR>
3820 Edison Lakes Parkway<BR>
Mishawaka, Indiana 46545</B><BR>
(Name and address of agent for service)
</FONT>
<P align="center"><FONT size="2"><B>(574)&nbsp;273-9700</B><BR>
(Telephone number, including area code, of agent for service)
</FONT>
<P align="center"><FONT size="2"><I>With copies to:</I>
</FONT>
<P align="center"><FONT size="2"><B>John E. Freechack, Esq.<BR>
Barack Ferrazzano Kirschbaum Perlman &#038; Nagelberg LLC<BR>
333 West Wacker Drive, Suite&nbsp;2700<BR>
Chicago, Illinois 60606<BR>
(312)&nbsp;984-3100</B>
</FONT>
<P align="center"><FONT size="2"><B>CALCULATION OF REGISTRATION FEE</B>
</FONT>
<DIV align="center">
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    <TD width="42%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
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    <TD width="1%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
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    <TD width="1%">&nbsp;</TD>
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    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
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    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Proposed Maximum</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Proposed Maximum</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>&nbsp;</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>Title of Securities</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Amount to be</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Offering Price</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Aggregate</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Amount of</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>to be Registered</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Registered(1)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>per Share(2)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Offering Price(1)(2)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Registration Fee(2)</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="2">Common Stock, $0.01 par value</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="3" align="center"><FONT size="2">421,021 shares</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">19.50</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">8,209,910</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">665.00</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</DIV>

<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">(1)
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Pursuant to Rule 416(a) under the Securities Act, this Registration
Statement also registers such indeterminate number of additional shares as
may be issuable under the Plan in connection with share splits, share
dividends or similar transactions.
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
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       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">(2)
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Estimated pursuant to Rule 457(h) under the Securities Act, solely for
the purpose of calculating the registration fee, based on the average of
the high and low prices for the Registrant&#146;s common stock as reported on
October&nbsp;15, 2003.
</FONT></TD>
</TR>
</TABLE>
<P align="center"><FONT size="2">&nbsp;
</FONT>
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<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

<P><CENTER>
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</TR>
<TR><TD colspan="9"><A HREF="#000">PART I</A></TD></TR>
<TR><TD colspan="9"><A HREF="#001">PART II</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#002">Item&nbsp;3. Incorporation of Certain Documents by Reference.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#003">Item&nbsp;4. Description of Securities.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#004">Item&nbsp;5. Interests of Named Experts and Counsel.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#005">Item&nbsp;6. Indemnification of Directors and Officers.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#006">Item&nbsp;7. Exemption from Registration Claimed.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#007">Item&nbsp;8. Exhibits.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#008">Item&nbsp;9. Undertakings.</A></TD></TR>
<TR><TD colspan="9"><A HREF="#009">SIGNATURES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#010"> EXHIBIT INDEX</A></TD></TR>
<TR><TD colspan="9"><A HREF="c80176exv5w1.htm">Opinion of Barack Ferrazzano Kirschbaum</A></TD></TR>
<TR><TD colspan="9"><A HREF="c80176exv10w1.htm">1996 Stock Incentive Plan, as amended</A></TD></TR>
<TR><TD colspan="9"><A HREF="c80176exv23w1.htm">Consent of Plante & Moran, PLLC</A></TD></TR>
<TR><TD colspan="9"><A HREF="c80176exv23w2.htm">Consent of Crowe, Chizek and Company LLC</A></TD></TR>
</TABLE>
</CENTER>
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<!-- link1 "PART I" -->
<DIV align="left"><A NAME="000"></A></DIV>
<DIV align="left"><A name="a000"></A></DIV>
<P align="center"><FONT size="2"><B>PART I</B>
</FONT>

<P align="center"><FONT size="2"><B>INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The document(s) containing the information specified in Part&nbsp;I of Form S-8
will be sent or given to participants in the St. Joseph Capital Corporation
1996 Stock Incentive Plan (the &#147;Plan&#148;) as specified by Rule&nbsp;428(b)(1)
promulgated by the Securities and Exchange Commission (the &#147;Commission&#148;) under
the Securities Act of 1933, as amended (the &#147;Securities Act&#148;).
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Such document(s) are not being filed with the Commission, but constitute
(along with the documents incorporated by reference into the Registration
Statement pursuant to Item&nbsp;3 of Part&nbsp;II hereof) a prospectus that meets the
requirements of Section 10(a) of the Securities Act.
</FONT>
<P align="center"><FONT size="2">I-1
</FONT>
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<!-- link1 "PART II" -->
<DIV align="left"><A NAME="001"></A></DIV>
<DIV align="left"><A name="a001"></A></DIV>
<P align="center"><FONT size="2"><B>PART II</B>
</FONT>

<P align="center"><FONT size="2"><B>INFORMATION NOT REQUIRED IN PROSPECTUS</B>
</FONT>

<!-- link2 "Item&nbsp;3. Incorporation of Certain Documents by Reference." -->
<DIV align="left"><A NAME="002"></A></DIV>
<DIV align="left"><A name="a002"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;3. Incorporation of Certain Documents by Reference.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents previously or concurrently filed by St. Joseph
Capital Corporation (the &#147;Company&#148;) with the Commission are hereby incorporated
by reference into this Registration Statement:
</FONT>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">(a)
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">The Company&#146;s Annual Report on Form 10-KSB for the year ended
December&nbsp;31, 2002;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">(b)
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">All other reports filed pursuant to Section 13(a) or 15(d) of
the Securities Exchange Act of 1934, as amended (the &#147;Exchange
Act&#148;), since the end of the last fiscal year; and
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">(c)
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">The description of the Company&#146;s Common Stock set forth the
Company&#146;s Registration Statement on Form SB-2, filed with the
Commission on September&nbsp;21, 1999, is hereby incorporated by
reference, together with all amendments or reports filed for the
purpose of updating such description.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents subsequently filed by the Company or the Plan with the
Commission pursuant to Sections&nbsp;13(a), 13(c), 14, or 15(d) of the Exchange Act,
prior to the filing of a post-effective amendment which indicates that all
securities offered hereby have been sold or which deregisters all securities
then remaining unsold, shall be deemed incorporated by reference into this
Registration Statement and to be a part thereof from the date of the filing of
such documents. Any statement contained in the documents incorporated, or
deemed to be incorporated, by reference herein or therein shall be deemed to be
modified or superseded for purposes of this Registration Statement and the
prospectus which is a part hereof (the &#147;Prospectus&#148;) to the extent that a
statement contained herein or therein or in any other subsequently filed
document which also is, or is deemed to be, incorporated by reference herein or
therein modifies or supersedes such statement. Any such statement so modified
or superseded shall not be deemed, except as so modified or superseded, to
constitute a part of this Registration Statement and the Prospectus.
</FONT>
<!-- link2 "Item&nbsp;4. Description of Securities." -->
<DIV align="left"><A NAME="003"></A></DIV>
<DIV align="left"><A name="a003"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;4. Description of Securities.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable.
</FONT>
<!-- link2 "Item&nbsp;5. Interests of Named Experts and Counsel." -->
<DIV align="left"><A NAME="004"></A></DIV>
<DIV align="left"><A name="a004"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;5. Interests of Named Experts and Counsel.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</FONT>
<!-- link2 "Item&nbsp;6. Indemnification of Directors and Officers." -->
<DIV align="left"><A NAME="005"></A></DIV>
<DIV align="left"><A name="a005"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;6. Indemnification of Directors and Officers.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In accordance with the Delaware General Corporation Law, Articles
Ninth and Tenth of the Company&#146;s certificate of incorporation provide as
follows:
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NINTH: Each person who is or was a director or officer of the corporation
and each person who serves or served at the request of the corporation as a
director, officer or partner of another enterprise, shall be indemnified by the
corporation in accordance with, and to the fullest extent authorized by, the
General Corporation Law of the State of Delaware, as the same now exists or may
be hereafter amended. No amendment to or repeal of this Article&nbsp;IX shall apply
to or have any effect on the rights of any individual referred to in this
Article&nbsp;IX for or with respect to acts or omissions of such individual
occurring prior to such amendment or repeal.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TENTH: To the fullest extent permitted by the General Corporation Law of
Delaware, as the same now exists or may be hereafter amended, a director of the
corporation shall not be liable to the corporation or its stockholders for
monetary damages for breach of fiduciary duty as a director. No amendment to or
repeal of this Article&nbsp;X shall apply to or have any effect on the liability or
alleged liability of any director of the corporation for or
</FONT>
<P align="center"><FONT size="2">II-1
</FONT>
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<P align="left"><FONT size="2">with respect to any acts or omissions of such director occurring prior to
the effective date of such amendment or repeal.
</FONT>

<P align="left"><FONT size="2">Article&nbsp;VII of the Company&#146;s Bylaws further provides as follows:
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SECTION 7.1 INDEMNIFICATION
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

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    <TD width="8%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="87%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><FONT size="2">7.1.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
ACTIONS, SUITS OR PROCEEDINGS OTHER THAN BY OR
IN THE RIGHT OF THE CORPORATION. The corporation shall
indemnify any person who was or is a party or is threatened to
be made a party to any threatened, pending or completed
action, suit or proceeding, whether civil, criminal,
administrative or investigative (other than an action by or in
the right of the corporation) by reason of the fact that he or
she is or was a director, officer, employee or agent of the
corporation, or is or was serving at the request of the
corporation as a director, officer, employee or agent of
another corporation, partnership, joint venture, trust or
other enterprise, or by reason of any action alleged to have
been taken or omitted in such capacity, against expenses
(including attorneys&#146; fees), judgments, fines and amounts paid
in settlement actually and reasonably incurred by him or her
or on his or her behalf in connection with such action, suit
or proceeding and any appeal therefrom, if he or she acted in
good faith and in a manner he or she reasonably believed to be
in, or not opposed to, the best interests of the corporation,
and, with respect to any criminal action or proceeding, had no
reasonable cause to believe his or her conduct was unlawful.
The termination of any action, suit or proceeding by judgment,
order, settlement, conviction, or upon a plea of nolo
contendere or its equivalent, shall not, of itself, create a
presumption that the person did not act in good faith and in a
manner which he or she reasonably believed to be in, or not
opposed to, the best interests of the corporation and, with
respect to any criminal action or proceeding, had reasonable
cause to believe that his or her conduct was unlawful.</FONT></TD>
</TR>
</TABLE>
</DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="9%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="86%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><FONT size="2">7.1.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
ACTIONS OR SUITS BY OR IN THE RIGHT OF THE
CORPORATION. The corporation shall indemnify any person who
was or is a party or is threatened to be made a party to any
threatened, pending or completed action or suit by or in the
right of the corporation to procure a judgment in its favor by
reason of the fact that he or she is or was a director,
officer, employee or agent of the corporation or is or was
serving or has agreed to serve at the request of the
corporation as a director, officer, employee or agent of
another corporation, partnership, joint venture, trust or
other enterprise, or by reason of any action alleged to have
been taken or omitted in such capacity, against expenses
(including attorneys&#146; fees) actually and reasonably incurred
by him or her or on his or her behalf in connection with the
defense or settlement of such action or suit and any appeal
therefrom, if he or she acted in good faith and in a manner he
or she reasonably believed to be in, or not opposed to, the
best interests of the corporation, except that no
indemnification shall be made in respect of any claim, issue
or matter as to which such person shall have been adjudged to
be liable to the corporation unless and only to the extent
that the Court of Chancery of Delaware or the court in which
such action or suit was brought shall determine upon
application that, despite the adjudication of such liability
but in view of all the circumstances of the case, such person
is fairly and reasonably entitled to indemnity for such costs,
charges and expenses which the Court of Chancery or such other
court shall deem proper.</FONT></TD>
</TR>
</TABLE>
</DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="9%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="86%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><FONT size="2">7.1.3</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
INDEMNIFICATION FOR COSTS, CHARGES AND EXPENSES
OF SUCCESSFUL PARTY. Notwithstanding the other provisions of
this Section&nbsp;7.1, to the extent that a director, officer,
employee or agent has been successful, on the merits or
otherwise, including, without limitation, to the extent
permitted by applicable law, the dismissal of an action
without prejudice, in defense of any action, suit or
proceeding referred to in Sections&nbsp;7.1.1 and 7.1.2, or in
defense of any claim, issue or matter therein, he or she shall
be indemnified against all costs, charges and expenses
(including attorneys&#146; fees)
actually and reasonably incurred by him or her or on his or
her behalf in connection therewith.</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><FONT size="2">II-2
</FONT>
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<DIV align="center">
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<TR valign="bottom">
    <TD width="9%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="86%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><FONT size="2">7.1.4</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
DETERMINATION OF RIGHT TO INDEMNIFICATION. Any
indemnification under Sections&nbsp;7.1.1 and 7.1.2, (unless
ordered by a court) shall be paid by the corporation, if a
determination is made (a)&nbsp;by the board of directors by a
majority vote of the directors who were not parties to such
action, suit or proceeding, or (b)&nbsp;if such majority of
disinterested directors so directs, by independent legal
counsel in a written opinion, or (c)&nbsp;by the stockholders,
that indemnification of the director or officer is proper in
the circumstances because he or she has met the applicable
standard of conduct set forth in Sections&nbsp;7.1.1 and 7.1.2.</FONT></TD>
</TR>
</TABLE>
</DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="9%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="86%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><FONT size="2">7.1.5</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
ADVANCE OF COSTS, CHARGES AND EXPENSES. Expenses
(including attorneys&#146; fees) incurred by a person referred to
in Sections&nbsp;7.1.1 and 7.1.2 in defending a civil, criminal,
administrative or investigative action, suit or proceeding
shall be paid by the corporation in advance of the final
disposition of such action, suit or proceeding; provided,
however, that the payment of such costs, charges and expenses
incurred by a director or officer in his or her capacity as a
director or officer (and not in any other capacity in which
service was or is rendered by such person while a director or
officer) in advance of the final disposition of such action,
suit or proceeding shall be made only upon receipt of an
undertaking by or on behalf of the director or officer to
repay all amounts so advanced in the event that it shall
ultimately be determined that such director or officer is not
entitled to be indemnified by the corporation as authorized in
this Article&nbsp;VII. Such costs, charges and expenses incurred by
other employees and agents may be so paid upon such terms and
conditions, if any, as the majority of the directors deems
appropriate. The majority of the directors may, in the manner
set forth above, and upon approval of such director or officer
of the corporation, authorize the corporation&#146;s counsel to
represent such person, in any action, suit or proceeding,
whether or not the corporation is a party to such action, suit
or proceeding.</FONT></TD>
</TR>
</TABLE>
</DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="8%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="87%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><FONT size="2">7.1.6</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
PROCEDURE FOR INDEMNIFICATION. Any
indemnification under Sections&nbsp;7.1.1, 7.1.2 and 7.1.3, or
advance of costs, charges and expenses under Section&nbsp;7.1.5,
shall be made promptly, and in any event within 60&nbsp;days, upon
the written request of the director, officer, employee or
agent. The right to indemnification or advances as granted by
this Article&nbsp;VII shall be enforceable by the director,
officer, employee or agent in any court of competent
jurisdiction, if the corporation denies such request, in whole
or in part, or if no disposition thereof is made within 60
days. Such person&#146;s costs and expenses incurred in connection
with successfully establishing his or her right to
indemnification, in whole or in part, in any such action shall
also be indemnified by the corporation. It shall be a defense
to any such action (other than an action brought to enforce a
claim for the advance of costs, charges and expenses under
Section&nbsp;7.1.5, where the required undertaking, if any, has
been received by the corporation) that the claimant has not
met the standard of conduct set forth in Sections&nbsp;7.1.1 and
7.1.2, but the burden of proving such defense shall be on the
corporation. Neither the failure of the corporation (including
its board of directors, its independent legal counsel and its
stockholders) to have made a determination prior to the
commencement of such action that indemnification of the
claimant is proper in the circumstances because he or she has
met the applicable standard of conduct set forth in Sections
7.1.1 and 7.1.2, nor the fact that there has been an actual
determination by the corporation (including its board of
directors, its independent legal counsel and its stockholders)
that the claimant has not met such applicable standard of
conduct, shall be a defense to the action or create a
presumption that the claimant has not met the applicable
standard of conduct.</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><FONT size="2">II-3
</FONT>
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<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="8%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="87%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><FONT size="2">7.1.7</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
SETTLEMENT. The corporation shall not be
obligated to reimburse the costs of any settlement to which it
has not agreed. If in any action, suit or proceeding,
including any appeal, within the scope of Sections&nbsp;7.1.1 and 7.1.2, the
person to be indemnified shall have unreasonably failed to
enter into a settlement thereof offered or assented to by the
opposing party or parties in such action, suit or proceeding,
then, notwithstanding any other provision hereof, the
indemnification obligation of the corporation to such person
in connection with such action, suit or proceeding shall not
exceed the total of the amount at which settlement could have
been made and the expenses incurred by such person prior to
the time such settlement could reasonably have been effected.</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SECTION 7.2 SUBSEQUENT AMENDMENT. No amendment, termination or repeal of
this Article&nbsp;VII or of relevant provisions of the Delaware General Corporation
Law or any other applicable law shall affect or diminish in any way the rights
of any director or officer of the corporation to indemnification under the
provisions hereof with respect to any action, suit or proceeding arising out
of, or relating to, any actions, transactions or facts occurring prior to the
final adoption of such amendment, termination or repeal.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SECTION 7.3 OTHER RIGHTS; CONTINUATION OF RIGHT TO INDEMNIFICATION. The
indemnification provided by this Article&nbsp;VII shall not be deemed exclusive of
any other rights to which a director, officer, employee or agent seeking
indemnification may be entitled under any law (common or statutory), agreement,
vote of stockholders or disinterested directors or otherwise, both as to action
in his or her official capacity and as to action in any other capacity while
holding office or while employed by or acting as agent for the corporation, and
shall continue as to a person who has ceased to be a director, officer,
employee or agent, and shall inure to the benefit of the estate, heirs,
executors and administrators of such person. Nothing contained in this Article
VII shall be deemed to prohibit, and the corporation is specifically authorized
to enter into, agreements with officers and directors providing indemnification
rights and procedures different from those set forth herein. All rights to
indemnification under this Article&nbsp;VII shall be deemed to be a contract between
the corporation and each director or officer of the corporation who serves or
served in such capacity at any time while this Article&nbsp;VII is in effect. The
corporation shall not consent to any acquisition, merger, consolidation or
other similar transaction unless the successor corporation assumes by operation
of law or by agreement the obligations set forth in this Article&nbsp;VII.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SECTION 7.4 INSURANCE. The corporation shall have the power to purchase
and maintain insurance on behalf of any person who is or was a director,
officer, employee or agent of the corporation, or is or was serving at the
request of the corporation as director, officer, employee or agent of another
corporation, partnership, joint venture, trust or other enterprise against any
liability asserted against him or her and incurred by him or her in any such
capacity, or arising out of his or her status as such, whether or not the
corporation would have the power to indemnify him or her against such liability
under this Article&nbsp;VII.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SECTION 7.5 CERTAIN DEFINITIONS. For purposes of this Article&nbsp;VII: (i)
references to &#147;the corporation&#148; shall include, in addition to the resulting
corporation, any constituent corporation (including any constituent of a
constituent) absorbed in a consolidation or merger which, if its separate
existence had continued, would have had the power and authority to indemnify
its directors, officers, employees or agents, so that any person who is or was
a director, officer, employee or agent of such constituent corporation, or is
or was serving at the request of such constituent corporation as a director,
officer, employee or agent of another corporation, partnership, joint venture,
trust or other enterprises, shall stand in the same position under this Article
VII with respect to the resulting or surviving corporation as he or she would
have with respect to such constituent corporation if its separate existence had
continued; (ii)&nbsp;references to &#147;other enterprises&#148; shall include employee
benefit plans; (iii)&nbsp;references to &#147;fines&#148; shall include any excise taxes
assessed on a person with respect to an employee benefit plan; (iv)&nbsp;references
to &#147;serving at the request of the corporation&#148; shall include any service as a
director, officer, employee or agent of the corporation which imposes duties
on, or involves services by, such director, officer, employee or agent with
respect to an employee benefit plan, its participants or beneficiaries; and (v)
a person who acted in good faith and in a manner he or she reasonably
believed to be in the interest of the participants and beneficiaries of an
employee benefit plan shall be deemed to have acted in a manner &#147;not opposed to
the best interests of the corporation,&#148; as referred to in this Article&nbsp;VII.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SECTION 7.6 SAVINGS CLAUSE. If this Article&nbsp;VII or any portion hereof
shall be invalidated on any ground by any court of competent jurisdiction, then
the corporation shall nevertheless indemnify each director or officer of the
corporation as to any costs, charges, expenses (including attorney&#146;s fees),
judgments, fines and amounts
</FONT>
<P align="center"><FONT size="2">II-4
</FONT>
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<P align="left"><FONT size="2">paid in settlement with respect to any action, suit or proceeding, whether
civil, criminal, administrative or investigative, including an action by or in
the right of the corporation, to the full extent permitted by any applicable
portion of this Article&nbsp;VII that shall not have been invalidated and to the
full extant permitted by applicable law.
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SECTION 7.7 SUBSEQUENT LEGISLATION. If the Delaware General Corporation
Law is amended after the date hereof to further expand the indemnification
permitted to directors and officers of the corporation, then the corporation
shall indemnify such person to the fullest extent permitted by the Delaware
General Corporation Law, as so amended. Insofar as indemnification for
liabilities arising under the Securities Act may be permitted to directors,
officers or persons controlling St. Joseph pursuant to the foregoing
provisions, St. Joseph has been informed that in the opinion of the Commission
such indemnification is against public policy, as expressed in the Securities
Act, and is therefore unenforceable.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company also carries Directors&#146; and Officers&#146; liability insurance in the amount of $2.0&nbsp;million.
</FONT>
<!-- link2 "Item&nbsp;7. Exemption from Registration Claimed." -->
<DIV align="left"><A NAME="006"></A></DIV>
<DIV align="left"><A name="a006"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;7. Exemption from Registration Claimed.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable.
</FONT>
<!-- link2 "Item&nbsp;8. Exhibits." -->
<DIV align="left"><A NAME="007"></A></DIV>
<DIV align="left"><A name="a007"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;8. Exhibits.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;See the Exhibit&nbsp;Index following the signature page in this Registration
Statement, which Exhibit&nbsp;Index is incorporated herein by reference.
</FONT>
<!-- link2 "Item&nbsp;9. Undertakings." -->
<DIV align="left"><A NAME="008"></A></DIV>
<DIV align="left"><A name="a008"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;9. Undertakings.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;The undersigned Registrant hereby undertakes:
</FONT>
<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;To file, during any period in which offers or sales are being
made, a post-effective amendment to the Registration Statement to
include: (i)&nbsp;any prospectus required by Section&nbsp;10(a)(3) of the
Securities Act; (ii)&nbsp;to reflect in the prospectus any facts or events
arising after the effective date of the Registration Statement which,
individually or in the aggregate, represent a fundamental change in the
information set forth in the Registration Statement; and (iii)&nbsp;any
material information with respect to the plan of distribution not
previously disclosed in the Registration Statement or any material change
to such information in the Registration Statement, provided however, that
provisions (i)&nbsp;and (ii)&nbsp;of this undertaking are inapplicable if the
information to be filed thereunder is contained in periodic reports filed
by the Company pursuant to Sections&nbsp;13 or 15(d) of the Exchange Act and
incorporated by reference into the Registration Statement.
</FONT>

<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;That, for the purpose of determining any liability under the
Securities Act, each such post-effective amendment shall be deemed to be
a new registration statement relating to the securities offered therein,
and the offering of such securities at that time shall be deemed to be
the initial bona fide offering thereof.
</FONT>

<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;To remove from registration by means of a post-effective
amendment any of the securities being registered which remain unsold at
the termination of the offering.
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;The undersigned Registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act, each filing of the
Registrant&#146;s annual report pursuant to Section 13(a) or Section 15(d) of the
Exchange Act (and, where applicable, each filing of an employee benefit plan&#146;s
annual report pursuant to Section 15(d) of the Exchange Act) that is
incorporated by reference in the registration statement shall be deemed to be a
new registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial bona
fide offering thereof.
</FONT>
<P align="center"><FONT size="2">II-5
</FONT>
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h)&nbsp;Insofar as indemnification for liabilities arising under the
Securities Act may be permitted to directors, officers and controlling persons
of the registrant pursuant to the foregoing provision, or otherwise, the
registrant has been advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as expressed in the
Securities Act and is, therefore, unenforceable. In the event that a claim for
indemnification against such liabilities (other than the payment by the
registrant of expenses incurred or paid by a director, officer or controlling
person of the registrant of expenses incurred or paid by a director, officer or
controlling person in the successful defense of any action, suit or proceeding)
is asserted by such director, officer or controlling person in connection with
the securities being registered, the registrant will, unless in the opinion of
its counsel the matter has been settled by controlling precedent, submit to a
court of appropriate jurisdiction the question whether such indemnification by
it is against public policy as expressed in the Securities Act and will be
governed by the final adjudication of such issue.
</FONT>
<P align="center"><FONT size="2">II-6
</FONT>
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<!-- link1 "SIGNATURES" -->
<DIV align="left"><A NAME="009"></A></DIV>
<DIV align="left"><A name="a009"></A></DIV>
<P align="center"><FONT size="2"><B>SIGNATURES</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In accordance with the requirements of the Securities Act of 1933, the
Registrant certifies that it has reasonable grounds to believe that it meets
all of the requirements of filing on Form S-8 and have duly caused this
Registration Statement to be signed on their behalf by the undersigned,
thereunder duly authorized, in the City of Mishawaka, State of Indiana, on
October&nbsp;21, 2003.
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="45%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="55%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>ST. JOSEPH CAPITAL CORPORATION</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
By: /s/ John W. Rosenthal</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
John W. Rosenthal<BR>
President and Chief Executive Officer</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><FONT size="2">II-7
</FONT>
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<P align="center"><FONT size="2"><B>POWER OF ATTORNEY</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Know all men by these presents, that each person whose signature appears
below constitutes and appoints John W. Rosenthal, his or her true and lawful
attorney-in-fact and agent, with full power of substitution and
re-substitution, for him or her and in his or her name, place and stead, in any
and all capacities to sign any or all amendments (including post-effective
amendments) to this Registration Statement, and to file the same, with all
exhibits thereto, and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorney-in-fact and
agent, full power and authority to do and perform each and every act and thing
requisite and necessary to be done in and about the premises, as fully to all
intents and purposes as he or she might or could do in person, hereby ratifying
and confirming all that said attorney-in-fact and agent, or his substitute or
substitutes, may lawfully do or cause to be done by virtue hereof.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In accordance with the requirements of the Securities Act of 1933, this
Registration Statement was signed by the following persons in the capacities
indicated on October&nbsp;21, 2003.
</FONT>
<DIV align="center">
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    <TD width="38%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="57%">&nbsp;</TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>Signature</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Title</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">/s/ John W. Rosenthal
<HR size="1" noshade>
John W. Rosenthal</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
President and Chief Executive Officer and
Chairman of the Board</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Brian R. Brady
<HR size="1" noshade>
Brian R. Brady</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Anna Reilly Cullinan
<HR size="1" noshade>
Anna Reilly Cullinan</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ David A. Eckrich
<HR size="1" noshade>
David A. Eckrich</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Jeffrey V. Hammes
<HR size="1" noshade>
Jeffrey V. Hammes</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Michael R. Leep, Sr.
<HR size="1" noshade>
Michael R. Leep, Sr.</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Todd B. Martin
<HR size="1" noshade>
Todd B. Martin</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Jack K. Matthys
<HR size="1" noshade>
Jack K. Matthys</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Arthur H. McElwee, Jr.
<HR size="1" noshade>
Arthur H. McElwee, Jr.</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Myran C. Noble
<HR size="1" noshade>
Myran C. Noble</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Benjamin Ziolkowski
<HR size="1" noshade>
Benjamin Ziolkowski</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><FONT size="2">II-8
</FONT>
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<!-- link1 " EXHIBIT INDEX" -->
<DIV align="left"><A NAME="010"></A></DIV>
<DIV align="left"><A name="a010"></A></DIV>

<P align="center"><FONT size="2"><B>ST. JOSEPH CAPITAL CORPORATION</B>
</FONT>

<P align="center"><FONT size="2"><B>EXHIBIT INDEX<BR>
TO<BR>
FORM S-8 REGISTRATION STATEMENT</B>
</FONT>

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    <TD width="14%">&nbsp;</TD>
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    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Incorporated</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>&nbsp;</B></FONT></TD>
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    <TD nowrap align="center"><FONT size="1"><B>Herein by</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Filed</B></FONT></TD>
</TR>
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    <TD nowrap align="left"><FONT size="1"><B>Exhibit No.</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Description</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Reference to</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Herewith</B></FONT></TD>
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    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">5.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Opinion of Barack
Ferrazzano
Kirschbaum Perlman
&#038; Nagelberg LLC
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">X</FONT></TD>
</TR>

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    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">10.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
St. Joseph Capital
Corporation 1996
Stock Incentive
Plan, as amended
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">X</FONT></TD>
</TR>

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    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

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    <TD align="center" valign="top"><FONT size="2">23.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Consent of Plante &#038;
Moran, PLLC
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">X</FONT></TD>
</TR>

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    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
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    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">23.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Consent of Crowe,
Chizek and Company
LLC
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">X</FONT></TD>
</TR>

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    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">23.3</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Consent of Barack
Ferrazzano
Kirschbaum Perlman
&#038; Nagelberg LLC
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Included in Exhibit
5.1</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">24.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Power of Attorney
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Included on the
Signature Page to
this Registration
Statement</FONT></TD>
</TR>
</TABLE>
</DIV>



<P align="center"><FONT size="2">II-9
</FONT>

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sv8
Table of Contents
As filed with the Securities and Exchange
Commission on October 21, 2003
Registration No. 33-
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT
Under
The Securities Act of 1933
St. Joseph Capital Corporation
(Exact name of Registrant as specified in its charter)
Delaware
(State or other jurisdiction of
incorporation or organization)
35-1977746
(I.R.S. Employer
Identification No.)
3820 Edison Lakes Parkway
Mishawaka, Indiana 46545
(Address of principal executive offices)\
ST. JOSEPH CAPITAL CORPORATION 1996
STOCK INCENTIVE PLAN
(Full title of the plan)
John W. Rosenthal
President and Chief Executive Officer
St. Joseph Capital Corporation
3820 Edison Lakes Parkway
Mishawaka, Indiana 46545
(Name and address of agent for service)
(574) 273-9700
(Telephone number, including area code, of agent for service)
With copies to:
John E. Freechack, Esq.
Barack Ferrazzano Kirschbaum Perlman & Nagelberg LLC
333 West Wacker Drive, Suite 2700
Chicago, Illinois 60606
(312) 984-3100
CALCULATION OF REGISTRATION FEE
Proposed Maximum
Proposed Maximum
Title of Securities
Amount to be
Offering Price
Aggregate
Amount of
to be Registered
Registered(1)
per Share(2)
Offering Price(1)(2)
Registration Fee(2)
Common Stock, $0.01 par value
421,021 shares
$
19.50
$
8,209,910
$
665.00
(1)
Pursuant to Rule 416(a) under the Securities Act, this Registration
Statement also registers such indeterminate number of additional shares as
may be issuable under the Plan in connection with share splits, share
dividends or similar transactions.
(2)
Estimated pursuant to Rule 457(h) under the Securities Act, solely for
the purpose of calculating the registration fee, based on the average of
the high and low prices for the Registrant's common stock as reported on
October 15, 2003.
TABLE OF CONTENTS
PART I
PART II
Item 3. Incorporation of Certain Documents by Reference.
Item 4. Description of Securities.
Item 5. Interests of Named Experts and Counsel.
Item 6. Indemnification of Directors and Officers.
Item 7. Exemption from Registration Claimed.
Item 8. Exhibits.
Item 9. Undertakings.
SIGNATURES
EXHIBIT INDEX
Opinion of Barack Ferrazzano Kirschbaum
1996 Stock Incentive Plan, as amended
Consent of Plante & Moran, PLLC
Consent of Crowe, Chizek and Company LLC
Table of Contents
PART I
INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS
The document(s) containing the information specified in Part I of Form S-8
will be sent or given to participants in the St. Joseph Capital Corporation
1996 Stock Incentive Plan (the "Plan") as specified by Rule 428(b)(1)
promulgated by the Securities and Exchange Commission (the "Commission") under
the Securities Act of 1933, as amended (the "Securities Act").
Such document(s) are not being filed with the Commission, but constitute
(along with the documents incorporated by reference into the Registration
Statement pursuant to Item 3 of Part II hereof) a prospectus that meets the
requirements of Section 10(a) of the Securities Act.
I-1
Table of Contents
PART II
INFORMATION NOT REQUIRED IN PROSPECTUS
Item 3. Incorporation of Certain Documents by Reference.
The following documents previously or concurrently filed by St. Joseph
Capital Corporation (the "Company") with the Commission are hereby incorporated
by reference into this Registration Statement:
(a)
The Company's Annual Report on Form 10-KSB for the year ended
December 31, 2002;
(b)
All other reports filed pursuant to Section 13(a) or 15(d) of
the Securities Exchange Act of 1934, as amended (the "Exchange
Act"), since the end of the last fiscal year; and
(c)
The description of the Company's Common Stock set forth the
Company's Registration Statement on Form SB-2, filed with the
Commission on September 21, 1999, is hereby incorporated by
reference, together with all amendments or reports filed for the
purpose of updating such description.
All documents subsequently filed by the Company or the Plan with the
Commission pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Exchange Act,
prior to the filing of a post-effective amendment which indicates that all
securities offered hereby have been sold or which deregisters all securities
then remaining unsold, shall be deemed incorporated by reference into this
Registration Statement and to be a part thereof from the date of the filing of
such documents. Any statement contained in the documents incorporated, or
deemed to be incorporated, by reference herein or therein shall be deemed to be
modified or superseded for purposes of this Registration Statement and the
prospectus which is a part hereof (the "Prospectus") to the extent that a
statement contained herein or therein or in any other subsequently filed
document which also is, or is deemed to be, incorporated by reference herein or
therein modifies or supersedes such statement. Any such statement so modified
or superseded shall not be deemed, except as so modified or superseded, to
constitute a part of this Registration Statement and the Prospectus.
Item 4. Description of Securities.
Not Applicable.
Item 5. Interests of Named Experts and Counsel.
Not applicable.
Item 6. Indemnification of Directors and Officers.
In accordance with the Delaware General Corporation Law, Articles
Ninth and Tenth of the Company's certificate of incorporation provide as
follows:
NINTH: Each person who is or was a director or officer of the corporation
and each person who serves or served at the request of the corporation as a
director, officer or partner of another enterprise, shall be indemnified by the
corporation in accordance with, and to the fullest extent authorized by, the
General Corporation Law of the State of Delaware, as the same now exists or may
be hereafter amended. No amendment to or repeal of this Article IX shall apply
to or have any effect on the rights of any individual referred to in this
Article IX for or with respect to acts or omissions of such individual
occurring prior to such amendment or repeal.
TENTH: To the fullest extent permitted by the General Corporation Law of
Delaware, as the same now exists or may be hereafter amended, a director of the
corporation shall not be liable to the corporation or its stockholders for
monetary damages for breach of fiduciary duty as a director. No amendment to or
repeal of this Article X shall apply to or have any effect on the liability or
alleged liability of any director of the corporation for or
II-1
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with respect to any acts or omissions of such director occurring prior to
the effective date of such amendment or repeal.
Article VII of the Company's Bylaws further provides as follows:
SECTION 7.1 INDEMNIFICATION
7.1.1
ACTIONS, SUITS OR PROCEEDINGS OTHER THAN BY OR
IN THE RIGHT OF THE CORPORATION. The corporation shall
indemnify any person who was or is a party or is threatened to
be made a party to any threatened, pending or completed
action, suit or proceeding, whether civil, criminal,
administrative or investigative (other than an action by or in
the right of the corporation) by reason of the fact that he or
she is or was a director, officer, employee or agent of the
corporation, or is or was serving at the request of the
corporation as a director, officer, employee or agent of
another corporation, partnership, joint venture, trust or
other enterprise, or by reason of any action alleged to have
been taken or omitted in such capacity, against expenses
(including attorneys' fees), judgments, fines and amounts paid
in settlement actually and reasonably incurred by him or her
or on his or her behalf in connection with such action, suit
or proceeding and any appeal therefrom, if he or she acted in
good faith and in a manner he or she reasonably believed to be
in, or not opposed to, the best interests of the corporation,
and, with respect to any criminal action or proceeding, had no
reasonable cause to believe his or her conduct was unlawful.
The termination of any action, suit or proceeding by judgment,
order, settlement, conviction, or upon a plea of nolo
contendere or its equivalent, shall not, of itself, create a
presumption that the person did not act in good faith and in a
manner which he or she reasonably believed to be in, or not
opposed to, the best interests of the corporation and, with
respect to any criminal action or proceeding, had reasonable
cause to believe that his or her conduct was unlawful.
7.1.2
ACTIONS OR SUITS BY OR IN THE RIGHT OF THE
CORPORATION. The corporation shall indemnify any person who
was or is a party or is threatened to be made a party to any
threatened, pending or completed action or suit by or in the
right of the corporation to procure a judgment in its favor by
reason of the fact that he or she is or was a director,
officer, employee or agent of the corporation or is or was
serving or has agreed to serve at the request of the
corporation as a director, officer, employee or agent of
another corporation, partnership, joint venture, trust or
other enterprise, or by reason of any action alleged to have
been taken or omitted in such capacity, against expenses
(including attorneys' fees) actually and reasonably incurred
by him or her or on his or her behalf in connection with the
defense or settlement of such action or suit and any appeal
therefrom, if he or she acted in good faith and in a manner he
or she reasonably believed to be in, or not opposed to, the
best interests of the corporation, except that no
indemnification shall be made in respect of any claim, issue
or matter as to which such person shall have been adjudged to
be liable to the corporation unless and only to the extent
that the Court of Chancery of Delaware or the court in which
such action or suit was brought shall determine upon
application that, despite the adjudication of such liability
but in view of all the circumstances of the case, such person
is fairly and reasonably entitled to indemnity for such costs,
charges and expenses which the Court of Chancery or such other
court shall deem proper.
7.1.3
INDEMNIFICATION FOR COSTS, CHARGES AND EXPENSES
OF SUCCESSFUL PARTY. Notwithstanding the other provisions of
this Section 7.1, to the extent that a director, officer,
employee or agent has been successful, on the merits or
otherwise, including, without limitation, to the extent
permitted by applicable law, the dismissal of an action
without prejudice, in defense of any action, suit or
proceeding referred to in Sections 7.1.1 and 7.1.2, or in
defense of any claim, issue or matter therein, he or she shall
be indemnified against all costs, charges and expenses
(including attorneys' fees)
actually and reasonably incurred by him or her or on his or
her behalf in connection therewith.
II-2
Table of Contents
7.1.4
DETERMINATION OF RIGHT TO INDEMNIFICATION. Any
indemnification under Sections 7.1.1 and 7.1.2, (unless
ordered by a court) shall be paid by the corporation, if a
determination is made (a) by the board of directors by a
majority vote of the directors who were not parties to such
action, suit or proceeding, or (b) if such majority of
disinterested directors so directs, by independent legal
counsel in a written opinion, or (c) by the stockholders,
that indemnification of the director or officer is proper in
the circumstances because he or she has met the applicable
standard of conduct set forth in Sections 7.1.1 and 7.1.2.
7.1.5
ADVANCE OF COSTS, CHARGES AND EXPENSES. Expenses
(including attorneys' fees) incurred by a person referred to
in Sections 7.1.1 and 7.1.2 in defending a civil, criminal,
administrative or investigative action, suit or proceeding
shall be paid by the corporation in advance of the final
disposition of such action, suit or proceeding; provided,
however, that the payment of such costs, charges and expenses
incurred by a director or officer in his or her capacity as a
director or officer (and not in any other capacity in which
service was or is rendered by such person while a director or
officer) in advance of the final disposition of such action,
suit or proceeding shall be made only upon receipt of an
undertaking by or on behalf of the director or officer to
repay all amounts so advanced in the event that it shall
ultimately be determined that such director or officer is not
entitled to be indemnified by the corporation as authorized in
this Article VII. Such costs, charges and expenses incurred by
other employees and agents may be so paid upon such terms and
conditions, if any, as the majority of the directors deems
appropriate. The majority of the directors may, in the manner
set forth above, and upon approval of such director or officer
of the corporation, authorize the corporation's counsel to
represent such person, in any action, suit or proceeding,
whether or not the corporation is a party to such action, suit
or proceeding.
7.1.6
PROCEDURE FOR INDEMNIFICATION. Any
indemnification under Sections 7.1.1, 7.1.2 and 7.1.3, or
advance of costs, charges and expenses under Section 7.1.5,
shall be made promptly, and in any event within 60 days, upon
the written request of the director, officer, employee or
agent. The right to indemnification or advances as granted by
this Article VII shall be enforceable by the director,
officer, employee or agent in any court of competent
jurisdiction, if the corporation denies such request, in whole
or in part, or if no disposition thereof is made within 60
days. Such person's costs and expenses incurred in connection
with successfully establishing his or her right to
indemnification, in whole or in part, in any such action shall
also be indemnified by the corporation. It shall be a defense
to any such action (other than an action brought to enforce a
claim for the advance of costs, charges and expenses under
Section 7.1.5, where the required undertaking, if any, has
been received by the corporation) that the claimant has not
met the standard of conduct set forth in Sections 7.1.1 and
7.1.2, but the burden of proving such defense shall be on the
corporation. Neither the failure of the corporation (including
its board of directors, its independent legal counsel and its
stockholders) to have made a determination prior to the
commencement of such action that indemnification of the
claimant is proper in the circumstances because he or she has
met the applicable standard of conduct set forth in Sections
7.1.1 and 7.1.2, nor the fact that there has been an actual
determination by the corporation (including its board of
directors, its independent legal counsel and its stockholders)
that the claimant has not met such applicable standard of
conduct, shall be a defense to the action or create a
presumption that the claimant has not met the applicable
standard of conduct.
II-3
Table of Contents
7.1.7
SETTLEMENT. The corporation shall not be
obligated to reimburse the costs of any settlement to which it
has not agreed. If in any action, suit or proceeding,
including any appeal, within the scope of Sections 7.1.1 and 7.1.2, the
person to be indemnified shall have unreasonably failed to
enter into a settlement thereof offered or assented to by the
opposing party or parties in such action, suit or proceeding,
then, notwithstanding any other provision hereof, the
indemnification obligation of the corporation to such person
in connection with such action, suit or proceeding shall not
exceed the total of the amount at which settlement could have
been made and the expenses incurred by such person prior to
the time such settlement could reasonably have been effected.
SECTION 7.2 SUBSEQUENT AMENDMENT. No amendment, termination or repeal of
this Article VII or of relevant provisions of the Delaware General Corporation
Law or any other applicable law shall affect or diminish in any way the rights
of any director or officer of the corporation to indemnification under the
provisions hereof with respect to any action, suit or proceeding arising out
of, or relating to, any actions, transactions or facts occurring prior to the
final adoption of such amendment, termination or repeal.
SECTION 7.3 OTHER RIGHTS; CONTINUATION OF RIGHT TO INDEMNIFICATION. The
indemnification provided by this Article VII shall not be deemed exclusive of
any other rights to which a director, officer, employee or agent seeking
indemnification may be entitled under any law (common or statutory), agreement,
vote of stockholders or disinterested directors or otherwise, both as to action
in his or her official capacity and as to action in any other capacity while
holding office or while employed by or acting as agent for the corporation, and
shall continue as to a person who has ceased to be a director, officer,
employee or agent, and shall inure to the benefit of the estate, heirs,
executors and administrators of such person. Nothing contained in this Article
VII shall be deemed to prohibit, and the corporation is specifically authorized
to enter into, agreements with officers and directors providing indemnification
rights and procedures different from those set forth herein. All rights to
indemnification under this Article VII shall be deemed to be a contract between
the corporation and each director or officer of the corporation who serves or
served in such capacity at any time while this Article VII is in effect. The
corporation shall not consent to any acquisition, merger, consolidation or
other similar transaction unless the successor corporation assumes by operation
of law or by agreement the obligations set forth in this Article VII.
SECTION 7.4 INSURANCE. The corporation shall have the power to purchase
and maintain insurance on behalf of any person who is or was a director,
officer, employee or agent of the corporation, or is or was serving at the
request of the corporation as director, officer, employee or agent of another
corporation, partnership, joint venture, trust or other enterprise against any
liability asserted against him or her and incurred by him or her in any such
capacity, or arising out of his or her status as such, whether or not the
corporation would have the power to indemnify him or her against such liability
under this Article VII.
SECTION 7.5 CERTAIN DEFINITIONS. For purposes of this Article VII: (i)
references to "the corporation" shall include, in addition to the resulting
corporation, any constituent corporation (including any constituent of a
constituent) absorbed in a consolidation or merger which, if its separate
existence had continued, would have had the power and authority to indemnify
its directors, officers, employees or agents, so that any person who is or was
a director, officer, employee or agent of such constituent corporation, or is
or was serving at the request of such constituent corporation as a director,
officer, employee or agent of another corporation, partnership, joint venture,
trust or other enterprises, shall stand in the same position under this Article
VII with respect to the resulting or surviving corporation as he or she would
have with respect to such constituent corporation if its separate existence had
continued; (ii) references to "other enterprises" shall include employee
benefit plans; (iii) references to "fines" shall include any excise taxes
assessed on a person with respect to an employee benefit plan; (iv) references
to "serving at the request of the corporation" shall include any service as a
director, officer, employee or agent of the corporation which imposes duties
on, or involves services by, such director, officer, employee or agent with
respect to an employee benefit plan, its participants or beneficiaries; and (v)
a person who acted in good faith and in a manner he or she reasonably
believed to be in the interest of the participants and beneficiaries of an
employee benefit plan shall be deemed to have acted in a manner "not opposed to
the best interests of the corporation," as referred to in this Article VII.
SECTION 7.6 SAVINGS CLAUSE. If this Article VII or any portion hereof
shall be invalidated on any ground by any court of competent jurisdiction, then
the corporation shall nevertheless indemnify each director or officer of the
corporation as to any costs, charges, expenses (including attorney's fees),
judgments, fines and amounts
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paid in settlement with respect to any action, suit or proceeding, whether
civil, criminal, administrative or investigative, including an action by or in
the right of the corporation, to the full extent permitted by any applicable
portion of this Article VII that shall not have been invalidated and to the
full extant permitted by applicable law.
SECTION 7.7 SUBSEQUENT LEGISLATION. If the Delaware General Corporation
Law is amended after the date hereof to further expand the indemnification
permitted to directors and officers of the corporation, then the corporation
shall indemnify such person to the fullest extent permitted by the Delaware
General Corporation Law, as so amended. Insofar as indemnification for
liabilities arising under the Securities Act may be permitted to directors,
officers or persons controlling St. Joseph pursuant to the foregoing
provisions, St. Joseph has been informed that in the opinion of the Commission
such indemnification is against public policy, as expressed in the Securities
Act, and is therefore unenforceable.
The Company also carries Directors' and Officers' liability insurance in the amount of $2.0 million.
Item 7. Exemption from Registration Claimed.
Not Applicable.
Item 8. Exhibits.
See the Exhibit Index following the signature page in this Registration
Statement, which Exhibit Index is incorporated herein by reference.
Item 9. Undertakings.
(a) The undersigned Registrant hereby undertakes:
(1) To file, during any period in which offers or sales are being
made, a post-effective amendment to the Registration Statement to
include: (i) any prospectus required by Section 10(a)(3) of the
Securities Act; (ii) to reflect in the prospectus any facts or events
arising after the effective date of the Registration Statement which,
individually or in the aggregate, represent a fundamental change in the
information set forth in the Registration Statement; and (iii) any
material information with respect to the plan of distribution not
previously disclosed in the Registration Statement or any material change
to such information in the Registration Statement, provided however, that
provisions (i) and (ii) of this undertaking are inapplicable if the
information to be filed thereunder is contained in periodic reports filed
by the Company pursuant to Sections 13 or 15(d) of the Exchange Act and
incorporated by reference into the Registration Statement.
(2) That, for the purpose of determining any liability under the
Securities Act, each such post-effective amendment shall be deemed to be
a new registration statement relating to the securities offered therein,
and the offering of such securities at that time shall be deemed to be
the initial bona fide offering thereof.
(3) To remove from registration by means of a post-effective
amendment any of the securities being registered which remain unsold at
the termination of the offering.
(b) The undersigned Registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act, each filing of the
Registrant's annual report pursuant to Section 13(a) or Section 15(d) of the
Exchange Act (and, where applicable, each filing of an employee benefit plan's
annual report pursuant to Section 15(d) of the Exchange Act) that is
incorporated by reference in the registration statement shall be deemed to be a
new registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial bona
fide offering thereof.
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(h) Insofar as indemnification for liabilities arising under the
Securities Act may be permitted to directors, officers and controlling persons
of the registrant pursuant to the foregoing provision, or otherwise, the
registrant has been advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as expressed in the
Securities Act and is, therefore, unenforceable. In the event that a claim for
indemnification against such liabilities (other than the payment by the
registrant of expenses incurred or paid by a director, officer or controlling
person of the registrant of expenses incurred or paid by a director, officer or
controlling person in the successful defense of any action, suit or proceeding)
is asserted by such director, officer or controlling person in connection with
the securities being registered, the registrant will, unless in the opinion of
its counsel the matter has been settled by controlling precedent, submit to a
court of appropriate jurisdiction the question whether such indemnification by
it is against public policy as expressed in the Securities Act and will be
governed by the final adjudication of such issue.
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SIGNATURES
In accordance with the requirements of the Securities Act of 1933, the
Registrant certifies that it has reasonable grounds to believe that it meets
all of the requirements of filing on Form S-8 and have duly caused this
Registration Statement to be signed on their behalf by the undersigned,
thereunder duly authorized, in the City of Mishawaka, State of Indiana, on
October 21, 2003.
ST. JOSEPH CAPITAL CORPORATION
By: /s/ John W. Rosenthal
John W. Rosenthal
President and Chief Executive Officer
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POWER OF ATTORNEY
Know all men by these presents, that each person whose signature appears
below constitutes and appoints John W. Rosenthal, his or her true and lawful
attorney-in-fact and agent, with full power of substitution and
re-substitution, for him or her and in his or her name, place and stead, in any
and all capacities to sign any or all amendments (including post-effective
amendments) to this Registration Statement, and to file the same, with all
exhibits thereto, and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorney-in-fact and
agent, full power and authority to do and perform each and every act and thing
requisite and necessary to be done in and about the premises, as fully to all
intents and purposes as he or she might or could do in person, hereby ratifying
and confirming all that said attorney-in-fact and agent, or his substitute or
substitutes, may lawfully do or cause to be done by virtue hereof.
In accordance with the requirements of the Securities Act of 1933, this
Registration Statement was signed by the following persons in the capacities
indicated on October 21, 2003.
Signature
Title
/s/ John W. Rosenthal
John W. Rosenthal
President and Chief Executive Officer and
Chairman of the Board
/s/ Brian R. Brady
Brian R. Brady
Director
/s/ Anna Reilly Cullinan
Anna Reilly Cullinan
Director
/s/ David A. Eckrich
David A. Eckrich
Director
/s/ Jeffrey V. Hammes
Jeffrey V. Hammes
Director
/s/ Michael R. Leep, Sr.
Michael R. Leep, Sr.
Director
/s/ Todd B. Martin
Todd B. Martin
Director
/s/ Jack K. Matthys
Jack K. Matthys
Director
/s/ Arthur H. McElwee, Jr.
Arthur H. McElwee, Jr.
Director
/s/ Myran C. Noble
Myran C. Noble
Director
/s/ Benjamin Ziolkowski
Benjamin Ziolkowski
Director
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ST. JOSEPH CAPITAL CORPORATION
EXHIBIT INDEX
TO
FORM S-8 REGISTRATION STATEMENT
Incorporated
Herein by
Filed
Exhibit No.
Description
Reference to
Herewith
5.1
Opinion of Barack
Ferrazzano
Kirschbaum Perlman
& Nagelberg LLC
X
10.1
St. Joseph Capital
Corporation 1996
Stock Incentive
Plan, as amended
X
23.1
Consent of Plante &
Moran, PLLC
X
23.2
Consent of Crowe,
Chizek and Company
LLC
X
23.3
Consent of Barack
Ferrazzano
Kirschbaum Perlman
& Nagelberg LLC
Included in Exhibit
5.1
24.1
Power of Attorney
Included on the
Signature Page to
this Registration
Statement
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