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 30, 2004

_________________

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 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION

     On July 30, 2004, Irwin Financial Corporation announced its 2004 Second Quarter 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 30, 2004

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 30, 2004