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<B><FONT SIZE=4><P ALIGN="CENTER">UNITED STATES</P>
</FONT><FONT SIZE=5><P ALIGN="CENTER">SECURITIES AND EXCHANGE COMMISSION</P>
</B></FONT><P ALIGN="CENTER">Washington, D.C. 20549</P>
<P><HR></P>
<B><FONT SIZE=5><P ALIGN="CENTER">FORM 8-K</P>
<P ALIGN="CENTER">CURRENT REPORT</P>
</B></FONT><P ALIGN="CENTER">Pursuant to Section 13 or 15(d) of The<BR>
Securities Exchange Act of 1934</P>
<P ALIGN="CENTER">Date of Report (Date of earliest event reported):  July 31, 2009</P>
<P ALIGN="CENTER">_________________</P>
<B><FONT SIZE=5><P ALIGN="CENTER">IRWIN FINANCIAL CORPORATION</FONT><FONT FACE="Arial" SIZE=4><FONT FACE="Arial" SIZE=4><BR>
</B></FONT></FONT>(Exact Name of Registrant as Specified in its Charter)</P>
<P>&nbsp;</P>
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<TABLE CELLSPACING=0 BORDER=0 CELLPADDING=0 WIDTH=750 DIR="ltr">
<TR><TD WIDTH="33%" VALIGN="TOP">
<B><P ALIGN="CENTER">INDIANA<BR>
</B><BR>
(State or Other Jurisdiction of Incorporation)</TD>
<TD WIDTH="33%" VALIGN="TOP">
<B><P ALIGN="CENTER">001-16691</P>
</B><P ALIGN="CENTER">(Commission File Number)</TD>
<TD WIDTH="33%" VALIGN="TOP">
<B><P ALIGN="CENTER">35-1286807</P>
</B><P ALIGN="CENTER">(I.R.S. Employer Identification No.)</TD>
</TR>
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<FONT SIZE=4>

<B><P ALIGN="CENTER">500 Washington Street</P>
<P ALIGN="CENTER">Columbus, Indiana 47201</P>
</B></FONT><P ALIGN="CENTER">(Address of Principal Executive Offices and Zip Code)</P>
<P ALIGN="CENTER">Registrant's telephone number, including area code: <B>(812) 376-1909</P>
</B><P>&nbsp;<FONT SIZE=2>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</P>
<P>&nbsp;</P>
</FONT><FONT FACE="Wingdings" SIZE=2><FONT FACE="Wingdings" SIZE=2><P>o</FONT></FONT><FONT SIZE=2>&nbsp; Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>
</FONT><FONT FACE="Wingdings" SIZE=2><FONT FACE="Wingdings" SIZE=2><P>o</FONT></FONT><FONT SIZE=2>&nbsp; Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P>
</FONT><FONT FACE="Wingdings" SIZE=2><FONT FACE="Wingdings" SIZE=2><P>o</FONT></FONT><FONT SIZE=2>&nbsp; Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</P>
</FONT><FONT FACE="Wingdings" SIZE=2><FONT FACE="Wingdings" SIZE=2><P>o</FONT></FONT><FONT SIZE=2>&nbsp; Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-4(c))</FONT></P>
<hr>
<B><FONT SIZE=3><P>Item 5.03.  Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year</B></FONT>.<BR>
</P>
a.)  On July 31, 2009, the Board of Directors of the Corporation amended the Corporation's By-Laws to add new Section 5.15 to Article 5 thereof, in order to elect not to be governed by new Indiana Code
Section 23-1-33-6(c) of the Indiana Business Corporation Law (the "IBCL").  The new IBCL provision, which became effective July 1, 2009, imposes mandatory staggered terms for the members of the board of directors of all public companies incorporated in Indiana unless, on or before July 31, 2009, the company adopts a bylaw expressly electing not to be governed by the provision.  Even if a company elects to "opt out" of the mandatory IBCL staggered board requirement, the company may maintain or adopt a staggered board in compliance with the provisions of the company's articles or bylaws.  A company that does opt out on or before July 31, 2009, may subsequently rescind the election to opt out and cause the company to become subject to the mandatory staggered board requirement.<BR>
<BR>
The Corporation currently maintains a staggered Board of Directors in compliance with its By-Laws.  The new provision of the Corporation's By-laws is attached as Exhibit 3.1 to this Current Report on Form 8-K and is incorporated herein by reference.<BR>
<BR>
<B><FONT SIZE=3>ITEM 9.01.  Financial Statements and Exhibits</FONT>.<BR>
<BR>
</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d.)  Exhibits<B> <BR>
</b>
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<U>
<B><P ALIGN="CENTER">Exhibit No. </B></U></TD>
<TD WIDTH="77%" VALIGN="TOP">
<U>
<B><P>Description </B></U></TD>
</TR>
<TR><TD WIDTH="23%" VALIGN="TOP">
<P ALIGN="CENTER">3.1</TD>
<TD WIDTH="77%" VALIGN="TOP">
<P>New Section 5.15 of Article 5 of the Corporation's By-Laws.</TD>
</TR>
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<P>&nbsp;</P>
<P>&nbsp;</P>
<B><P ALIGN="CENTER">SIGNATURES</P>
</B><P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>
<P>&nbsp;</P>
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<TR><TD WIDTH="55%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="45%" VALIGN="TOP">
<B><P ALIGN="CENTER">IRWIN FINANCIAL CORPORATION<BR>
</B>(Registrant)</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=2 HEIGHT=16><P></P></TD>
</TR>
<TR><TD WIDTH="55%" VALIGN="TOP">
<P>Date:  August 6, 2009</TD>
<TD WIDTH="45%" VALIGN="TOP">
<P>       By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Steven R. Schultz<BR>
            __________________________________________</TD>
</TR>
<TR><TD WIDTH="55%" VALIGN="TOP" HEIGHT=18><P></P></TD>
<TD WIDTH="45%" VALIGN="TOP" HEIGHT=18>
<P ALIGN="CENTER">STEVEN R. SCHULTZ<BR>
<I>First Vice President and General Counsel</I></TD>
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<I><P ALIGN="RIGHT">&nbsp;</P>
</I><B><P ALIGN="CENTER">EXHIBIT INDEX </P>
</B>
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<TABLE CELLSPACING=0 BORDER=0 WIDTH=750 DIR="ltr" cellpadding="0">
<TR><TD WIDTH="23%" VALIGN="TOP">
<U>
<B><P ALIGN="CENTER">Exhibit No. </B></U></TD>
<TD WIDTH="77%" VALIGN="TOP">
<U>
<B><P>Description </B></U></TD>
</TR>
<TR><TD WIDTH="23%" VALIGN="TOP">
<P ALIGN="CENTER">3.1</TD>
<TD WIDTH="77%" VALIGN="TOP">
<P>New Section 5.15 of Article 5 of the Corporation's By-Laws.</TD>
</TR>
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_
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of The
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):  July 31, 2009
_________________
IRWIN FINANCIAL CORPORATION
(Exact Name of Registrant as Specified in its Charter)
INDIANA
(State or Other Jurisdiction of Incorporation)
001-16691
(Commission File Number)
35-1286807
(I.R.S. Employer Identification No.)
500 Washington Street
Columbus, Indiana 47201
(Address of Principal Executive Offices and Zip Code)
Registrant's telephone number, including area code:
(812) 376-1909
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-4(c))
Item 5.03.  Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
.
a.)  On July 31, 2009, the Board of Directors of the Corporation amended the Corporation's By-Laws to add new Section 5.15 to Article 5 thereof, in order to elect not to be governed by new Indiana Code
Section 23-1-33-6(c) of the Indiana Business Corporation Law (the "IBCL").  The new IBCL provision, which became effective July 1, 2009, imposes mandatory staggered terms for the members of the board of directors of all public companies incorporated in Indiana unless, on or before July 31, 2009, the company adopts a bylaw expressly electing not to be governed by the provision.  Even if a company elects to "opt out" of the mandatory IBCL staggered board requirement, the company may maintain or adopt a staggered board in compliance with the provisions of the company's articles or bylaws.  A company that does opt out on or before July 31, 2009, may subsequently rescind the election to opt out and cause the company to become subject to the mandatory staggered board requirement.
The Corporation currently maintains a staggered Board of Directors in compliance with its By-Laws.  The new provision of the Corporation's By-laws is attached as Exhibit 3.1 to this Current Report on Form 8-K and is incorporated herein by reference.
ITEM 9.01.  Financial Statements and Exhibits
.
d.)  Exhibits
Exhibit No.
Description
3.1
New Section 5.15 of Article 5 of the Corporation's By-Laws.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
IRWIN FINANCIAL CORPORATION
(Registrant)
Date:  August 6, 2009
By:     /s/ Steven R. Schultz
__________________________________________
STEVEN R. SCHULTZ
First Vice President and General Counsel
EXHIBIT INDEX
Exhibit No.
Description
3.1
New Section 5.15 of Article 5 of the Corporation's By-Laws.