SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-A


                FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES
                     PURSUANT TO SECTION 12(b) OR (g) OF THE
                         SECURITIES EXCHANGE ACT OF 1934



                           Clover Leaf Financial Corp.
             ------------------------------------------------------
             (Exact Name of Registrant as Specified in Its Charter)


               Delaware                              (To be applied for)
----------------------------------------    ------------------------------------
(State of Incorporation or Organization)    (I.R.S. Employer Identification No.)



200 East Park Street, Edwardsville, Illinois                           62025
---------------------------------------------                     --------------
(Address of Principal Executive Offices)                            (Zip Code)

If this form relates to the                If this form relates to the
registration of a class of securities      registration of a class of securities
pursuant to Section 12(b) of the           Pursuant to Section 12(g) of the
Exchange Act and is effective              Exchange Act and is effective
pursuant to General Instruction            pursuant to General Instruction
A.(c), please check the following          A.(d), please check the following
box. | |                                   box. |X|

        Securities Act registration statement file number to which this form
relates: 333-69762

        Securities to be registered pursuant to Section 12(b) of the Act:

             None                                      Not Applicable
        ---------------                    -------------------------------------
       (Title of Class)                    (Name of Each Exchange on Which
                                               Each Class is to be Registered)


        Securities to be registered pursuant to Section 12(g) of the Act:

                     Common Stock par value $0.10 per share
                     --------------------------------------
                                (Title of Class)






Item 1.  Description of Registrant's Securities to be Registered.

        For a description of the Registrant's securities, reference is made to
"Description of Capital Stock of Clover Leaf Financial," "Dividend Policy" and
"Market for Common Stock" in the Registrant's Registration Statement on Form
SB-2 (File No. 333-69762), which is hereby incorporated by reference. For a
description of the provisions of the Registrant's Certificate of Incorporation
and Bylaws that may render a change in control of the Registrant more difficult,
reference is made to "Restrictions on Acquisitions of Stock and Related Takeover
Defense Provisions" in the Registrant's Prospectus.

Item 2.  Exhibits.

        1.  Registration Statement on Form SB-2 (Registration Number 333-69762)
            dated September 21, 2001, as amended, is hereby incorporated by
            reference.

        2.  Certificate of Incorporation (incorporated by reference to Exhibit
            3.1 of the Registration Statement on Form SB-2 as filed on
            September 21, 2001).

        3.  Bylaws (incorporated by reference to Exhibit 3.2 of the Registration
            Statement on Form SB-2 as filed on September 21, 2001).

        4.  Specimen Stock Certificate (incorporated by reference to Exhibit 4
            of the Registration Statement on Form SB-2 as filed on September 21,
            2001).








                                    SIGNATURE


        Pursuant to the requirements of Section 12 of the Securities Exchange
Act of 1934, the registrant has duly caused this registration statement to be
signed on its behalf by the undersigned, thereto duly authorized.


                                            CLOVER LEAF FINANCIAL CORP.



Date:   December 14, 2001           By: /s/ Dennis M. Terry
                                       -----------------------------------------
                                          Dennis M. Terry
                                          President and Chief Executive Officer