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<B><FONT SIZE=5><P ALIGN="CENTER">SECURITIES AND EXCHANGE COMMISSION</P>
</B></FONT><P ALIGN="CENTER">Washington, D.C. 20549</P>
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<B><FONT SIZE=5><P ALIGN="CENTER">FORM 8-K</P>
</B></FONT><P ALIGN="CENTER">&nbsp;</P>
<B><FONT SIZE=5><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 23, 2003</P>
<P ALIGN="CENTER">_________________</P>
<B><FONT SIZE=5><P ALIGN="CENTER">IRWIN FINANCIAL CORPORATION</FONT><FONT FACE="Arial" SIZE=4><BR>
<BR>
</B></FONT>(Exact name of registrant as specified in its charter)</P>
<P>&nbsp;</P>
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<P ALIGN="CENTER"><B>INDIANA<BR>
</B><BR>
(State or other jurisdiction of incorporation)</TD>
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<B><P ALIGN="CENTER">0-6835</P>
</B><P ALIGN="CENTER">(Commission File Number)</TD>
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<B><P ALIGN="CENTER">35-1286807</P>
</B><P ALIGN="CENTER">(I.R.S. Employer Identification No.)</TD>
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<P>&nbsp;</TD>
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<P>&nbsp;</TD>
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<B><FONT SIZE=4><P ALIGN="CENTER">500 Washington Street<br>
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;</P>
<hr>
<P>&nbsp;</P>
<B><P>ITEM 5.  OTHER EVENTS</P>
</B><P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On July 23, 2003, Irwin Financial Corporation announced its Second Quarter 2003 earnings as described in Items 9 and 12 below.  The news release is attached as Exhibit 99.1.</P>
<B><P>ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS</P>
</B><P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;Exhibits.</P>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1&nbsp;&nbsp;News Release issued July 23, 2003.</P>
<H4>ITEM 9.  REGULATION FD DISCLOSURE</H4>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On July 23, 2003, Irwin Financial Corporation announced its Second Quarter 2003 earnings.  The information contained in Item 9 of this Current Report is being furnished pursuant to "Item 12.  Results of Operations and Financial Condition" of Form 8-K in accordance with SEC Release Nos. 33-8216 and 34-47583.</P>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The news release regarding this announcement is furnished as Exhibit 99.1 hereto.</P>
<H4>ITEM 12.  REGULATION FD DISCLOSURE</H4>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On July 23, 2003, Irwin Financial Corporation announced its Second Quarter 2003 earnings.  The news release regarding this announcement is furnished as Exhibit 99.1 hereto.</P>
<B>
<hr>
<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>
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<B><P ALIGN="CENTER">IRWIN FINANCIAL CORPORATION<BR>
</B>(Registrant)</TD>
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<P>Date:  July 23, 2003</TD>
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<P>       By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;     /s/ GREGORY F. EHLINGER<BR>
            __________________________________________</TD>
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<TR><TD WIDTH="492" VALIGN="TOP" HEIGHT=18><P></P></TD>
<TD WIDTH="404" VALIGN="TOP" HEIGHT=18>
<P ALIGN="CENTER">GREGORY F. EHLINGER<BR>
<I>Senior Vice President and Chief<BR>
Financial Officer</I></TD>
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</I><B><P ALIGN="CENTER">EXHIBIT INDEX</P></B>
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<P ALIGN="CENTER"><B>Exhibit No.</B></TD>
<TD WIDTH="89%" VALIGN="TOP">
<B><P>Description</B></TD>
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<P ALIGN="CENTER">99.1</TD>
<TD WIDTH="89%" VALIGN="TOP">
<P>News Release issued July 23, 2003</TD>
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SECURITIES AND EXCHANGE COMMISSION
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 23, 2003
_________________
IRWIN FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
INDIANA
(State or other jurisdiction of incorporation)
0-6835
(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
ITEM 5.  OTHER EVENTS
On July 23, 2003, Irwin Financial Corporation announced its Second Quarter 2003 earnings as described in Items 9 and 12 below.  The news release is attached as Exhibit 99.1.
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
(c)  Exhibits.
99.1  News Release issued July 23, 2003.
ITEM 9.  REGULATION FD DISCLOSURE
On July 23, 2003, Irwin Financial Corporation announced its Second Quarter 2003 earnings.  The information contained in Item 9 of this Current Report is being furnished pursuant to "Item 12.  Results of Operations and Financial Condition" of Form 8-K in accordance with SEC Release Nos. 33-8216 and 34-47583.
The news release regarding this announcement is furnished as Exhibit 99.1 hereto.
ITEM 12.  REGULATION FD DISCLOSURE
On July 23, 2003, Irwin Financial Corporation announced its Second Quarter 2003 earnings.  The news release regarding this announcement is furnished as Exhibit 99.1 hereto.
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:  July 23, 2003
By:              /s/ GREGORY F. EHLINGER
__________________________________________
GREGORY F. EHLINGER
Senior Vice President and Chief
Financial Officer
EXHIBIT INDEX
Exhibit No.
Description
99.1
News Release issued July 23, 2003