<HTML>
<HEAD>
<TITLE>_</TITLE>
</HEAD>
<BODY LINK="#0000ff" VLINK="#800080">

<P><HR SIZE=4></P>
<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):  September 17, 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>
<div align="center">
<TABLE CELLSPACING=0 BORDER=0 CELLPADDING=0 WIDTH=750 DIR="ltr">
<TR><TD WIDTH="33%" VALIGN="TOP">
<B><P ALIGN="CENTER">INDIANA<BR>
</B>(State or Other Jurisdiction of Incorporation)</TD>
<TD WIDTH="33%" VALIGN="TOP">
<B><P ALIGN="CENTER">0-6835<BR>
</B>(Commission File Number)</TD>
<TD WIDTH="33%" VALIGN="TOP">
<B><P ALIGN="CENTER">35-1286807<BR>
</B>(I.R.S. Employer Identification No.)</TD>
</TR>
</TABLE>

</div>
<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>
</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))</P>
</FONT><hr>
<B><P>Item 8.01.  Other Events.<br>
<BR>
</B>Irwin Union Bank, F.S.B. ("IUBFSB"), which is the federal savings bank subsidiary of Irwin Financial Corporation, has consented to the appointment by the Office of Thrift Supervision ("OTS") of a conservator or receiver of IUBFSB should the OTS determine to make such an appointment.<BR>
<B><BR>
Item 9.01.  Financial Statements and Exhibits.<BR>
<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d.) Exhibits <BR>
</P></B>
<div align="left">
<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">10.1</TD>
<TD WIDTH="77%" VALIGN="TOP">
<P>Agreement and Consent by Irwin Union Bank, F.S.B. to the Appointment of a Conservator or Receiver by the Office of Thrift Supervision</TD>
</TR>
</TABLE>


</div>


<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>
<TABLE CELLSPACING=0 BORDER=0 CELLPADDING=0 WIDTH=750 DIR="ltr">
	<TR>
		<TD WIDTH="53%" VALIGN="TOP">&nbsp;</TD>
		<TD WIDTH="47%" 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="53%" VALIGN="TOP">
		<P>Date:  September 18, 2009</TD>
		<TD WIDTH="47%" VALIGN="TOP">
		<P>By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Gregory F. Ehlinger<BR>__________________________________________</TD>
	</TR>
	<TR>
		<TD WIDTH="53%" VALIGN="TOP" HEIGHT=18>
		<P></P></TD>
		<TD WIDTH="47%" VALIGN="TOP" HEIGHT=18>
		<P ALIGN="CENTER">GREGORY F. EHLINGER<BR><I>Chief Financial Officer</I></TD>
	</TR>
</TABLE>
<P ALIGN="RIGHT">&nbsp;</P>
<B><P ALIGN="CENTER">EXHIBIT INDEX </P></B>
<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">10.1</TD>
		<TD WIDTH="77%" VALIGN="TOP">
		<P>Agreement and Consent by Irwin Union Bank, F.S.B. to the Appointment of a Conservator or Receiver by the Office of Thrift Supervision</TD>
	</TR>
</TABLE>

</BODY>
</HTML>
[{"type": "8-K", "sequence": "1", "filename": "ifc8k-091809.htm", "description": "IRWIN FINANCIAL CORPORATION 8-K CURRENT REPORT FILED SEPTEMBER 18, 2009", "secsgml_size_bytes": 5139}, {"type": "8-K", "sequence": "3", "filename": "ifc8k-091809.pdf", "description": "PDF OF IRWIN FINANCIAL CORPORATION 8-K CURRENT REPORT AND EXHIBIT 10.1 FILED SEPTEMBER 18, 2009", "secsgml_size_bytes": 39526}]
{"company-data": {"conformed-name": "IRWIN FINANCIAL CORP", "cik": "0000052617", "assigned-sic": "6022", "irs-number": "351286807", "state-of-incorporation": "IN", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-16691", "film-number": "091075658"}, "business-address": {"street1": "500 WASHINGTON STREET", "street2": "500 WASHINGTON STREET", "city": "COLUMBUS", "state": "IN", "zip": "47201", "phone": "8123761909"}, "mail-address": {"street1": "500 WASHINGTON STREET", "street2": "500 WASHINGTON STREET", "city": "COLUMBUS", "state": "IN", "zip": "47201"}, "former-company": [{"former-conformed-name": "IRWIN FINANCIAL CORPORATION", "date-changed": "19920703"}, {"former-conformed-name": "IRWIN UNION CORP", "date-changed": "19900919"}]}
_
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):  September 17, 2009
_________________
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
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 8.01.  Other Events.
Irwin Union Bank, F.S.B. ("IUBFSB"), which is the federal savings bank subsidiary of Irwin Financial Corporation, has consented to the appointment by the Office of Thrift Supervision ("OTS") of a conservator or receiver of IUBFSB should the OTS determine to make such an appointment.
Item 9.01.  Financial Statements and Exhibits.
d.) Exhibits
Exhibit No.
Description
10.1
Agreement and Consent by Irwin Union Bank, F.S.B. to the Appointment of a Conservator or Receiver by the Office of Thrift Supervision
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:  September 18, 2009
By:     /s/ Gregory F. Ehlinger
__________________________________________
GREGORY F. EHLINGER
Chief Financial Officer
EXHIBIT INDEX
Exhibit No.
Description
10.1
Agreement and Consent by Irwin Union Bank, F.S.B. to the Appointment of a Conservator or Receiver by the Office of Thrift Supervision