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      <p style=' margin-bottom:12pt; margin-top:0pt;text-align:center;'><font size=2>As filed with the Securities and Exchange Commission on June 8, 2009.</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt;text-align:right;'><font size=2>Registration No. 333-_______</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>SECURITIES AND EXCHANGE COMMISSION</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt;text-align:center;'><font SIZE=2>WASHINGTON, D.C. 20549</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt;text-align:center;'><font size=2>------------------------------------</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>FORM S-8</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>REGISTRATION STATEMENT UNDER</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>THE SECURITIES ACT OF 1933</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt;text-align:center;'><font size=2>------------------------------------</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>IRWIN FINANCIAL CORPORATION</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Exact name of registrant as specified in its charter)</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt;text-align:center;'><font size=2>------------------------------------</font></p>


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                  <p  align=center style='margin-bottom:0in;text-align:center'><font size=2>Indiana</font></p> </td>
              <td width="320" valign=top style='padding:0in 5.75pt 0in 5.75pt'>
                  <p  align=center style='margin-bottom:0in;text-align:center'><font size=2>35-1286807</font></p> </td> </tr>
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                  <p  align=center style='margin-bottom:0in;text-align:center'><font size=2>(State or Other Jurisdiction of Incorporation or Organization)</font></p> </td>
              <td width="320" valign=top style='padding:0in 5.75pt 0in 5.75pt'>
                  <p  align=center style='margin-bottom:0in;text-align:center'><font size=2>(IRS Employer Identification No.)</font></p> </td> </tr>
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                  <p  align=center style='margin-bottom:0in;text-align:center'><font size=1>&nbsp;</font></p> </td>
              <td width="320" valign=top style='padding:0in 5.75pt 0in 5.75pt'>
                  <p  align=center style='margin-bottom:0in;text-align:center'><font size=1>&nbsp;</font></p> </td> </tr></table>
      </div>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>500 Washington Street</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Columbus, Indiana 47201</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Address of Principal Executive Offices) (Zip Code)</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt;text-align:center;'><font size=2>------------------------------------</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Irwin Financial Corporation Employees Savings Plan </font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Full title of the plan)</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>------------------------------------</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Ellen Z. Mufson, Esq. </font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Irwin Financial Corporation</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>500 Washington Street</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Columbus, Indiana 47201</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(812) 376-1909</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Name, Address and Telephone Number,</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Including Area Code, of Agent For Service)</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>------------------------------------</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>with copies to:</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>David A. Cifrino, P.C.</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>McDermott Will &amp; Emery LLP</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>28 State Street</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Boston, Massachusetts 02109</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(617) 535-4000</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>--------------------------------------------</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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      <font size=2>Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer&#148; and &#147;smaller reporting company&#148; in Rule&nbsp;12b-2 of the Exchange Act. (Check one):</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Large accelerated filer <font face=Wingdings>o</font>&nbsp;</font></p> </td>
              <td width="4" valign=top >
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
              <td width="127" nowrap valign=top >
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Accelerated filer  [x ]</font></p> </td>
              <td width="4" valign=top >
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
              <td width="146" nowrap valign=top >
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Non-accelerated filer &nbsp;<font face=Wingdings>o</font></font></p> </td>
              <td width="4" valign=top >
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
              <td width="186" nowrap valign=top >
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Smaller reporting company <font face=Wingdings>o</font>&nbsp;</font></p> </td> </tr></table>
      </div>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=2>CALCULATION OF REGISTRATION FEE</font></B></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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                  <p  align=center style='text-align:center;text-indent:0in'><font size=1>&nbsp;</font></p>
      <p  align=center style='text-align:center;text-indent:0in'><font size=2>Title of Each Class of Securities to be Registered</font></p> </td>
              <td width="96" valign=bottom style='border:solid black 1.0pt; border-left:none;padding:0in 5.4pt 0in 5.4pt'>
                  <p  align=center style='text-align:center;text-indent:0in'><font size=2>Amount to be Registered (2)</font></p> </td>
              <td width="96" valign=bottom style='border:solid black 1.0pt; border-left:none;padding:0in 5.4pt 0in 5.4pt'>
                  <p  align=center style='text-align:center;text-indent:0in'><font size=2>Proposed Maximum Offering Price Per Share (3)</font></p> </td>
              <td width="108" valign=bottom style='border:solid black 1.0pt; border-left:none;padding:0in 5.4pt 0in 5.4pt'>
                  <p  align=center style='text-align:center;text-indent:0in'><font size=2>Proposed Maximum Aggregate Offering Price (3)</font></p> </td>
              <td width="115" valign=bottom style='border:solid black 1.0pt; border-left:none;padding:0in 5.4pt 0in 5.4pt'>
                  <p  align=center style='text-align:center;text-indent:0in'><font size=2>Amount of Registration Fee </font></p> </td> </tr>
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                  <p  style='text-indent:0in'><font size=2>Common Shares, no par value (1) </font></p> </td>
              <td width="96" valign=top style='border-top:none;border-left:none; border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt'>
                  <p  align=center style='text-align:center;text-indent:0in'><font size=2>450,000 Shares</font></p> </td>
              <td width="96" valign=top style='border-top:none;border-left:none; border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt'>
                  <p  align=center style='text-align:center;text-indent:0in'><font size=2>$0.885</font></p> </td>
              <td width="108" valign=top style='border-top:none;border-left: none;border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt'>
                  <p  align=center style='text-align:center;text-indent:0in'><font size=2>$398,250.00</font></p> </td>
              <td width="115" valign=top style='border-top:none;border-left:none; border-bottom:solid black 1.0pt;border-right:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt'>
                  <p  align=center style='text-align:center;text-indent:0in'><font size=2>$22.23</font></p> </td> </tr></table>
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      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(1)</font></p> </td>
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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>This registration statement also pertains to Preferred Share purchase Rights (&#147;Rights&#148;) of Irwin Financial Corporation. Until the occurrence of certain prescribed events, the Rights are not exercisable, will be evidenced by the certificates for the Common Shares and will be transferred along with and only with the Common Shares.</font></p> </td> </tr></table>
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      <p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:left;'><font size=2>&nbsp;</font></p>


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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(2)</font></p> </td>
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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Pursuant to Rule 416 under the Securities Act of 1933, this registration statement shall also cover any additional Common Shares that become issuable under the Irwin Financial Corporation Employees Savings Plan, as amended, by reason of any stock dividend, stock split, recapitalization or any other similar transaction and an indeterminate amount of interests to be offered or sold pursuant to such plan.</font></p> </td> </tr></table>
      </div>


      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(3)</font></p> </td>
              <td  valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Estimated solely for the purpose of determining the registration fee and computed pursuant to Rules 457(c) and 457(h)(1). The proposed Maximum Offering Price Per Share indicated equals the average of the high and low prices of the Common Shares on June 4, 2009, as reported on the New York Stock Exchange.</font></p> </td> </tr></table>
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      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><A NAME="PAGENUM"><font size=2>2</font>
      </A></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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      <b><font size=2>Explanatory Note</font></b></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt; text-indent:0.5in;text-align:left;'><font size=2>This Registration Statement has been prepared in accordance with the requirements of General Instruction E to Form S-8, as amended, and relates to 450,000 Common Shares, no par value, of Irwin Financial Corporation (the &#147;Registrant&#148;) which represents an increase in the number of shares reserved  for offer and sale under the Irwin Financial Corporation Employees Savings Plan (as amended, the &#147;Plan&#148;). An aggregate of 550,000 shares have previously been registered for issuance under the Plan pursuant to Registration Statements on Form S-8 (File Nos. 333-69156 and 333-115565). </font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=2>PART I </font></B></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=2>INFORMATION REQUIRED IN THE PROSPECTUS</font></B></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt; text-indent:0.5in;text-align:left;'><font size=2>The information required by Part I is included in the documents sent or given to participants in the Plan pursuant to Rule 428(b)(1) of the Securities Act of 1933, as amended (the &#147;Securities Act&#148;).</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=2>PART II</font></B></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=2>INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</font></B></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt; text-indent:0.5in;text-align:left;'><font size=2>Except for Items 3, 8 and 9 of this Part II, which are hereby amended and restated in their entirety as set forth below, the contents of the Registrant&#146;s previously filed Registration Statement on Form S-8 (No. 333-115565) relating to shares issuable under the Plan are hereby incorporated by reference.</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt;text-align:left;'><b><font size=2>Item 3. Incorporation of Documents by Reference.</font></b></p>

      <p style=' margin-bottom:12pt; margin-top:0pt; text-indent:0.5in;text-align:left;'><font size=2>The following documents filed by the Registrant with the Securities and Exchange Commission (the &#147;Commission&#148;) are incorporated by reference herein and shall be deemed as part hereof:</font></p>


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                  <p  style='text-indent:0in'><font size=1>&nbsp;</font></p> </td>
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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(a)</font></p> </td>
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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>the Registrant&#146;s Annual Report on Form 10-K for the fiscal year ended December 31, 2008, as filed with the Commission on March 31, 2009; </font></p> </td> </tr></table>
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                  <p  style='text-indent:0in'><font size=1>&nbsp;</font></p> </td>
              <td width="24" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(b)</font></p> </td>
              <td  valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>the Registrant&#146;s Quarterly Report on Form 10-Q for the quarter ended March 31, 2009, and filed with the Commission on May 11, 2009;</font></p> </td> </tr></table>
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                  <p  style='text-indent:0in'><font size=1>&nbsp;</font></p> </td>
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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(c)</font></p> </td>
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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>the Registrant&#146;s Current Reports on Form 8-K, as filed with the Commission on April 1, 2009,  May 7, 2009 and June 3, 2009; </font></p> </td> </tr></table>
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                  <p  style='text-indent:0in'><font size=1>&nbsp;</font></p> </td>
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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(d)</font></p> </td>
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                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>the description of the Registrant&#146;s Common Shares and associated Preferred Share purchase Rights included in the Registrant&#146;s Registration Statement on Form S-1 (Registration No. 333-68586) as filed with the Securities and Exchange Commission on September 18, 2001, including any amendment or report filed for the purpose of updating the description of the Registrant&#146;s Common Shares or associated Rights.</font></p> </td> </tr></table>
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      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><A NAME="PAGENUM"><font size=2>3</font>
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      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>All documents filed by the registrant pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act after the date of this Registration Statement and prior to the filing of a post-effective amendment indicating that all of the securities offered hereby have been sold or deregistering all such securities then remaining unsold shall be deemed to be incorporated by reference in this Registration Statement and to be a part hereof from the date of filing of such documents. Any statement contained in a document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this Registration Statement to the extent that a statement contained herein or in any other subsequently filed document which also is or is deemed to be incorporated by reference herein 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.</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>Item 8. Exhibits.</font></b></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt; text-indent:0.5in;text-align:left;'><font size=2>See the Exhibit Index immediately following the signature pages, which is incorporated herein by reference.</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt; text-indent:0.5in;text-align:left;'><font size=2>The Registrant has received a favorable IRS Determination letter dated September 18, 2008 for the Plan from the Internal Revenue Service (&#147;IRS&#148;). The Registrant hereby undertakes to submit any future amendments to the IRS in a timely manner and has made or will make any changes required by the IRS in order to qualify the Plan.</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt;text-align:left;'><b><font size=2>Item 9. Undertakings.</font></b></p>


      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="421" style='border-collapse:collapse'>
          <tr >
              <td width="48" nowrap valign=top style='padding:0in 0in 12.0pt 0in; '>
                  <p  style='text-indent:0in; page-break-after:avoid'><font size=1>&nbsp;</font></p> </td>
              <td width="52" nowrap valign=top style='padding:0in 0in 12.0pt 0in; '>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(a)</font></p> </td>
              <td width="321" nowrap valign=top style='padding:0in 0in 12.0pt 0in; '>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>The undersigned Registrant hereby undertakes:</font></p> </td> </tr></table>
      </div>



      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
          <tr >
              <td width="96" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p  style='text-indent:0in; page-break-after:avoid'><font size=1>&nbsp;</font></p> </td>
              <td width="48" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(1)</font></p> </td>
              <td  valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</font></p> </td> </tr></table>
      </div>



      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
          <tr >
              <td width="144" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p  style='text-indent:0in'><font size=1>&nbsp;</font></p> </td>
              <td width="48" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(i)</font></p> </td>
              <td  valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>To include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;</font></p> </td> </tr></table>
      </div>



      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
          <tr >
              <td width="144" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p  style='text-indent:0in'><font size=1>&nbsp;</font></p> </td>
              <td width="48" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(ii)</font></p> </td>
              <td  valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>To reflect in the prospectus any facts or events arising after the effective date of this registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20 percent change in the maximum aggregate offering price set forth in the &#147;Calculation of
      Registration Fee&#148; table in the registration statement; </font></p> </td> </tr></table>
      </div>



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      <table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
          <tr >
              <td width="144" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p  style='text-indent:0in'><font size=1>&nbsp;</font></p> </td>
              <td width="48" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(iii)</font></p> </td>
              <td  valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any </font></p> </td> </tr></table>
      </div>


      <p style=' margin-bottom:0pt; margin-top:0pt; margin-left:2in;text-align:left;'><font size=2>&nbsp;</font></p>

      <div TITLE="EE+ Page Footer">
      <p style=' margin-bottom:12pt; margin-top:0pt; margin-left:2in;text-align:left;'><font SIZE=2></font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><A NAME="PAGENUM"><font size=2>4</font>
      </A></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:12pt; margin-top:0pt; margin-left:2in;text-align:left;'><font size=2> </font></p>
      </DIV>

      <div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

      <HR noshade align="center" width="100%" size="2">
      </DIV>

      <p style=' margin-bottom:12pt; margin-top:0pt; margin-left:2in;text-align:left;'><font size=2>material change to such information in the registration statement; provided, however, that paragraphs (a)(1)(i) and (a)(1)(ii) do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in periodic reports filed with or furnished to the Commission by the Registrant pursuant to Section 13 or Section 15(d) of the Securities Exchange Act of 1934 that are incorporated by reference in this registration statement.</font></p>


      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
          <tr >
              <td width="96" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p  style='text-indent:0in'><font size=1>&nbsp;</font></p> </td>
              <td width="48" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(2)</font></p> </td>
              <td  valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>That, for the purpose of determining any liability under the Securities Act of 1933, 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> </td> </tr></table>
      </div>



      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
          <tr >
              <td width="96" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p  style='text-indent:0in'><font size=1>&nbsp;</font></p> </td>
              <td width="48" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(3)</font></p> </td>
              <td  valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>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> </td> </tr></table>
      </div>



      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
          <tr >
              <td width="48" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p  style='text-indent:0in'><font size=1>&nbsp;</font></p> </td>
              <td width="48" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(b)</font></p> </td>
              <td  valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>The undersigned Registrant hereby undertakes that, for purposes of determining any liability under the Securities Act of 1933, each filing of the Registrant&#146;s annual report pursuant to Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan&#146;s annual report pursuant to Section 15(d) of the Securities Exchange Act of 1934) 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> </td> </tr></table>
      </div>



      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
          <tr >
              <td width="48" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p  style='text-indent:0in'><font size=1>&nbsp;</font></p> </td>
              <td width="48" valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(c)</font></p> </td>
              <td  valign=top style='padding:0in 0in 12.0pt 0in'>
                  <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, 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 of 1933 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 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 of 1933 and will be governed by the final adjudication of such issue.</font></p> </td> </tr></table>
      </div>


      <p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.5in;text-align:left;'><font size=2>&nbsp;</font></p>

      <div TITLE="EE+ Page Footer">
      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font SIZE=2></font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><A NAME="PAGENUM"><font size=2>5</font>
      </A></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2> </font></p>
      </DIV>

      <div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

      <HR noshade align="center" width="100%" size="2">
      </DIV>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'>
      <B><font SIZE=2>SIGNATURES</font></B></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Pursuant to 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 for filing on Form S-8 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Columbus, State of Indiana, on June 8, 2009.</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font SIZE=2>IRWIN FINANCIAL CORPORATION</font></p></td> </tr>
                      <tr >
              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>By:  </font><u><font size=2>/s/ William I. Miller</font></u></p></td> </tr>
                      <tr >
              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>William I. Miller, </font></p></td> </tr>
                      <tr >
              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Chief Executive Officer, Chairman and President </font></p></td> </tr></table>
                  </div>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <div TITLE="EE+ Page Footer">
      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font SIZE=2></font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><A NAME="PAGENUM"><font size=2>6</font>
      </A></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2> </font></p>
      </DIV>

      <div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

      <HR noshade align="center" width="100%" size="2">
      </DIV>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'>
      <B><font SIZE=2>POWER OF ATTORNEY</font></B></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Know all men by these presents, that each person whose signature appears below constitutes and appoints William I. Miller and Matthew F. Souza and each or either of them (with full power to act alone), his true and lawful attorneys-in-fact and agents with full power of substitution and resubstitution, for him and in his name, place and stead, in any and all capacities, to sign any and all 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 those attorneys-in-fact and agents full power and authority to do and perform each and every act and things requisite and necessary to be done in and about the premises, as fully to all intents and purposes as he might or could do in person, hereby ratifying and confirming all that those attorneys-in-fact and agents, or their
      substitutes, may lawfully do or cause to be done by virtue hereof.</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons on the dates and in the capacities indicated:</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="670" style='border-collapse:collapse'>
          <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><u><font size=2>Signature</font></u></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><u><font size=2>Title</font></u></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><u><font size=2>Date</font></u></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ Sally A. Dean</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Director</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>June 8, 2009</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Sally A. Dean</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ David W. Goodrich</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Director</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>June 8, 2009</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>David W. Goodrich</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ R. David Hoover</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Director</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>June 8, 2009</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>R. David Hoover</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ William H. Kling</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Director</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>June 8, 2009</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>William H. Kling</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ Brenda J. Lauderback</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Director</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>June 8, 2009</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Brenda J. Lauderback</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ John C. McGinty, Jr.</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Director</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>June 8, 2009</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>John C. McGinty, Jr</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ William I. Miller</font><br> <font size=2>William I. Miller</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Director, Chief Executive Officer, Chairman and President</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>June 8, 2009</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>(</font><i><font size=2>principal executive officer</font></i><font size=2>)</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ Dayton H. Moldendorp</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Director</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>June 8, 2009</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Dayton H. Moldendorp</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ Lance R. Odden</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Director</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>June 8, 2009</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Lance R. Odden</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr></table>
                  </div>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <div TITLE="EE+ Page Footer">
      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font SIZE=2></font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><A NAME="PAGENUM"><font size=2>7</font>
      </A></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2> </font></p>
      </DIV>

      <div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

      <HR noshade align="center" width="100%" size="2">
      </DIV>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="670" style='border-collapse:collapse'>
          <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ Marita Zuraitis</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Director</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>June 8, 2009</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Marita Zuraitis</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ Gregory F. Ehlinger</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Chief Financial Officer</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Gregory F. Ehlinger</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>(</font><i><font size=2>principal financial officer</font></i><font size=2>)</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>/s/ Jody A. Littrell</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>First Vice President and Controller</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>June 8, 2009</font></p></td> </tr>
                      <tr >
              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Jody A. Littrell</font></p></td>

              <td width="244" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>(</font><i><font size=2>principal accounting officer</font></i><font size=2>)</font></p></td>

              <td width="213" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr></table>
                  </div>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <div TITLE="EE+ Page Footer">
      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font SIZE=2></font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><A NAME="PAGENUM"><font size=2>8</font>
      </A></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2> </font></p>
      </DIV>

      <div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

      <HR noshade align="center" width="100%" size="2">
      </DIV>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
      <font size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><i><font size=2>The Plan. </font></i><font size=2>Pursuant to the requirements of the Securities Act of 1933, as amended, the administrator of the Plan, Irwin Financial Corporation, has duly caused this registration statement to be signed on its behalf by the undersigned hereunto duly authorized, in the City of Columbus, State of Indiana on the 8th day of June, 2009.</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="638" style='border-collapse:collapse'>
          <tr >
              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font SIZE=2>IRWIN FINANCIAL CORPORATION EMPLOYEES SAVINGS PLAN</font></p></td> </tr>
                      <tr >
              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td> </tr>
                      <tr >
              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>By:  </font><u><font size=2>/s/ Carrie K. Houston</font></u><u></u></p></td> </tr>
                      <tr >
              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Name:&nbsp;Carrie K. Houston, </font></p></td> </tr>
                      <tr >
              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=1>&nbsp;</font></p></td>

              <td width="319" valign=top style='padding:0in 5.4pt 0in 5.4pt'><p><font size=2>Title:&nbsp;&nbsp;&nbsp;First Vice President-Human Resources &amp; Development, Irwin Financial Corporation</font></p></td> </tr></table>
                  </div>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <div TITLE="EE+ Page Footer">
      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font SIZE=2></font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><A NAME="PAGENUM"><font size=2>9</font>
      </A></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2> </font></p>
      </DIV>

      <div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

      <HR noshade align="center" width="100%" size="2">
      </DIV>

      <p style=' margin-bottom:12pt; margin-top:0pt;text-align:center;'>
      <B><font SIZE=2>EXHIBIT INDEX</font></B></p>


      <div align=left>

      <table border="0" cellspacing=0 cellpadding=0 width="638" style='border-collapse:collapse'>
          <tr >
              <td width="139" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><u><font size=2>Exhibit No.</font></u><u></u></p> </td>
              <td width="499" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><u><font size=2>Description of Exhibit</font></u><u></u></p> </td> </tr>
          <tr >
              <td width="139" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><font size=2>4.1</font></p> </td>
              <td width="499" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><font size=2>Rights Agreement, dated as of March&nbsp;1, 2001, between Irwin Financial Corporation and Irwin Union Bank and Trust. (Incorporated by reference to Exhibit&nbsp;4.1 to Form&nbsp;8-A filed March&nbsp;2, 2001, File No.&nbsp;000-06835.)</font></p> </td> </tr>
          <tr >
              <td width="139" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><font size=2>4.2</font></p> </td>
              <td width="499" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><font size=2>Appointment of Successor Rights Agent dated as of May&nbsp;11, 2001 between Irwin Financial Corporation and National City Bank. (Incorporated by reference to Exhibit&nbsp;4.5 to Form&nbsp;S-8 filed on September&nbsp;7, 2001, File No.&nbsp;333-69156.)</font></p> </td> </tr>
          <tr >
              <td width="139" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><font size=2>4.3 </font></p> </td>
              <td width="499" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><font size=2>Irwin Financial Corporation Employees Savings Plan, together with amendments thereto.</font></p> </td> </tr>
          <tr >
              <td width="139" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><font size=2>23.1 </font></p> </td>
              <td width="499" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><font size=2>Consent of Ernst &amp; Young LLP (filed herewith).</font></p> </td> </tr>
          <tr >
              <td width="139" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><font size=2>24.1 </font></p> </td>
              <td width="499" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
                  <p ><font size=2>Power of Attorney (included as part of the signature page to this registration statement).</font></p> </td> </tr></table>
      </div>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <div TITLE="EE+ Page Footer">
      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font SIZE=2></font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><A NAME="PAGENUM"><font size=2>10</font>
      </A></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2> </font></p>
      </DIV>


      <p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>



      </BODY>
      </HTML>
[{"type": "S-8", "sequence": "1", "filename": "i70407_s8plan.htm", "description": "JUNE 8, 2009", "secsgml_size_bytes": 68045}]
{"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": "S-8", "act": "33", "file-number": "333-159825", "film-number": "09879553"}, "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"}]}
As filed with the Securities and Exchange Commission on June 8, 2009.
Registration No. 333-_______
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
------------------------------------
FORM S-8
REGISTRATION STATEMENT UNDER
THE SECURITIES ACT OF 1933
------------------------------------
IRWIN FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
------------------------------------
Indiana
35-1286807
(State or Other Jurisdiction of Incorporation or Organization)
(IRS Employer Identification No.)
500 Washington Street
Columbus, Indiana 47201
(Address of Principal Executive Offices) (Zip Code)
------------------------------------
Irwin Financial Corporation Employees Savings Plan
(Full title of the plan)
------------------------------------
Ellen Z. Mufson, Esq.
Irwin Financial Corporation
500 Washington Street
Columbus, Indiana 47201
(812) 376-1909
(Name, Address and Telephone Number,
Including Area Code, of Agent For Service)
------------------------------------
with copies to:
David A. Cifrino, P.C.
McDermott Will & Emery LLP
28 State Street
Boston, Massachusetts 02109
(617) 535-4000
--------------------------------------------
Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filer
o
Accelerated filer  [x ]
Non-accelerated filer
o
Smaller reporting company
o
CALCULATION OF REGISTRATION FEE
Title of Each Class of Securities to be Registered
Amount to be Registered (2)
Proposed Maximum Offering Price Per Share (3)
Proposed Maximum Aggregate Offering Price (3)
Amount of Registration Fee
Common Shares, no par value (1)
450,000 Shares
$0.885
$398,250.00
$22.23
(1)
This registration statement also pertains to Preferred Share purchase Rights ("Rights") of Irwin Financial Corporation. Until the occurrence of certain prescribed events, the Rights are not exercisable, will be evidenced by the certificates for the Common Shares and will be transferred along with and only with the Common Shares.
(2)
Pursuant to Rule 416 under the Securities Act of 1933, this registration statement shall also cover any additional Common Shares that become issuable under the Irwin Financial Corporation Employees Savings Plan, as amended, by reason of any stock dividend, stock split, recapitalization or any other similar transaction and an indeterminate amount of interests to be offered or sold pursuant to such plan.
(3)
Estimated solely for the purpose of determining the registration fee and computed pursuant to Rules 457(c) and 457(h)(1). The proposed Maximum Offering Price Per Share indicated equals the average of the high and low prices of the Common Shares on June 4, 2009, as reported on the New York Stock Exchange.
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Explanatory Note
This Registration Statement has been prepared in accordance with the requirements of General Instruction E to Form S-8, as amended, and relates to 450,000 Common Shares, no par value, of Irwin Financial Corporation (the "Registrant") which represents an increase in the number of shares reserved  for offer and sale under the Irwin Financial Corporation Employees Savings Plan (as amended, the "Plan"). An aggregate of 550,000 shares have previously been registered for issuance under the Plan pursuant to Registration Statements on Form S-8 (File Nos. 333-69156 and 333-115565).
PART I
INFORMATION REQUIRED IN THE PROSPECTUS
The information required by Part I is included in the documents sent or given to participants in the Plan pursuant to Rule 428(b)(1) of the Securities Act of 1933, as amended (the "Securities Act").
PART II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
Except for Items 3, 8 and 9 of this Part II, which are hereby amended and restated in their entirety as set forth below, the contents of the Registrant's previously filed Registration Statement on Form S-8 (No. 333-115565) relating to shares issuable under the Plan are hereby incorporated by reference.
Item 3. Incorporation of Documents by Reference.
The following documents filed by the Registrant with the Securities and Exchange Commission (the "Commission") are incorporated by reference herein and shall be deemed as part hereof:
(a)
the Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 2008, as filed with the Commission on March 31, 2009;
(b)
the Registrant's Quarterly Report on Form 10-Q for the quarter ended March 31, 2009, and filed with the Commission on May 11, 2009;
(c)
the Registrant's Current Reports on Form 8-K, as filed with the Commission on April 1, 2009,  May 7, 2009 and June 3, 2009;
(d)
the description of the Registrant's Common Shares and associated Preferred Share purchase Rights included in the Registrant's Registration Statement on Form S-1 (Registration No. 333-68586) as filed with the Securities and Exchange Commission on September 18, 2001, including any amendment or report filed for the purpose of updating the description of the Registrant's Common Shares or associated Rights.
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All documents filed by the registrant pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act after the date of this Registration Statement and prior to the filing of a post-effective amendment indicating that all of the securities offered hereby have been sold or deregistering all such securities then remaining unsold shall be deemed to be incorporated by reference in this Registration Statement and to be a part hereof from the date of filing of such documents. Any statement contained in a document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this Registration Statement to the extent that a statement contained herein or in any other subsequently filed document which also is or is deemed to be incorporated by reference herein 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.
Item 8. Exhibits.
See the Exhibit Index immediately following the signature pages, which is incorporated herein by reference.
The Registrant has received a favorable IRS Determination letter dated September 18, 2008 for the Plan from the Internal Revenue Service ("IRS"). The Registrant hereby undertakes to submit any future amendments to the IRS in a timely manner and has made or will make any changes required by the IRS in order to qualify the Plan.
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 this registration statement:
(i)
To include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;
(ii)
To reflect in the prospectus any facts or events arising after the effective date of this registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20 percent change in the maximum aggregate offering price set forth in the "Calculation of
      Registration Fee" table in the registration statement;
(iii)
To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any
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material change to such information in the registration statement; provided, however, that paragraphs (a)(1)(i) and (a)(1)(ii) do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in periodic reports filed with or furnished to the Commission by the Registrant pursuant to Section 13 or Section 15(d) of the Securities Exchange Act of 1934 that are incorporated by reference in this registration statement.
(2)
That, for the purpose of determining any liability under the Securities Act of 1933, 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 of 1933, each filing of the Registrant's annual report pursuant to Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan's annual report pursuant to Section 15(d) of the Securities Exchange Act of 1934) 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.
(c)
Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, 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 of 1933 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 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 of 1933 and will be governed by the final adjudication of such issue.
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SIGNATURES
Pursuant to 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 for filing on Form S-8 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Columbus, State of Indiana, on June 8, 2009.
IRWIN FINANCIAL CORPORATION
By:
/s/ William I. Miller
William I. Miller,
Chief Executive Officer, Chairman and President
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POWER OF ATTORNEY
Know all men by these presents, that each person whose signature appears below constitutes and appoints William I. Miller and Matthew F. Souza and each or either of them (with full power to act alone), his true and lawful attorneys-in-fact and agents with full power of substitution and resubstitution, for him and in his name, place and stead, in any and all capacities, to sign any and all 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 those attorneys-in-fact and agents full power and authority to do and perform each and every act and things requisite and necessary to be done in and about the premises, as fully to all intents and purposes as he might or could do in person, hereby ratifying and confirming all that those attorneys-in-fact and agents, or their
      substitutes, may lawfully do or cause to be done by virtue hereof.
Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons on the dates and in the capacities indicated:
Signature
Title
Date
/s/ Sally A. Dean
Director
June 8, 2009
Sally A. Dean
/s/ David W. Goodrich
Director
June 8, 2009
David W. Goodrich
/s/ R. David Hoover
Director
June 8, 2009
R. David Hoover
/s/ William H. Kling
Director
June 8, 2009
William H. Kling
/s/ Brenda J. Lauderback
Director
June 8, 2009
Brenda J. Lauderback
/s/ John C. McGinty, Jr.
Director
June 8, 2009
John C. McGinty, Jr
/s/ William I. Miller
William I. Miller
Director, Chief Executive Officer, Chairman and President
June 8, 2009
(
principal executive officer
)
/s/ Dayton H. Moldendorp
Director
June 8, 2009
Dayton H. Moldendorp
/s/ Lance R. Odden
Director
June 8, 2009
Lance R. Odden
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/s/ Marita Zuraitis
Director
June 8, 2009
Marita Zuraitis
/s/ Gregory F. Ehlinger
Chief Financial Officer
Gregory F. Ehlinger
(
principal financial officer
)
/s/ Jody A. Littrell
First Vice President and Controller
June 8, 2009
Jody A. Littrell
(
principal accounting officer
)
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The Plan.
Pursuant to the requirements of the Securities Act of 1933, as amended, the administrator of the Plan, Irwin Financial Corporation, has duly caused this registration statement to be signed on its behalf by the undersigned hereunto duly authorized, in the City of Columbus, State of Indiana on the 8th day of June, 2009.
IRWIN FINANCIAL CORPORATION EMPLOYEES SAVINGS PLAN
By:
/s/ Carrie K. Houston
Name: Carrie K. Houston,
Title:   First Vice President-Human Resources & Development, Irwin Financial Corporation
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EXHIBIT INDEX
Exhibit No.
Description of Exhibit
4.1
Rights Agreement, dated as of March 1, 2001, between Irwin Financial Corporation and Irwin Union Bank and Trust. (Incorporated by reference to Exhibit 4.1 to Form 8-A filed March 2, 2001, File No. 000-06835.)
4.2
Appointment of Successor Rights Agent dated as of May 11, 2001 between Irwin Financial Corporation and National City Bank. (Incorporated by reference to Exhibit 4.5 to Form S-8 filed on September 7, 2001, File No. 333-69156.)
4.3
Irwin Financial Corporation Employees Savings Plan, together with amendments thereto.
23.1
Consent of Ernst & Young LLP (filed herewith).
24.1
Power of Attorney (included as part of the signature page to this registration statement).
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