FORM 15

                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

Certification and Notice of Termination of Registration under Section 12(g) of
the Securities Exchange Act of 1934 or Suspension of Duty to File Reports Under
Sections 13 and 15(d) of the Securities Exchange Act of 1934.

                         Commission File Number 0-33413

                           Clover Leaf Financial Corp.
                           ---------------------------
             (Exact name of registrant as specified in its charter)

               200 East Park Street, Edwardsville, Illinois 62025
                                 (618) 656-6122
                                 --------------
       (Address, including zip code, and telephone number, including area
               code, of registrant's principal executive offices)

                                  Common Stock
                                  ------------
            (Title of each class of securities covered by this Form)

                                       n/a
                                       ---
       Titles of all other classes of securities for which a duty to file
                 reports under Section 13(a) or 15(d) remains)

         Please  place an X in the box(es) to  designate  the  appropriate  rule
provision(s) relied upon to terminate or suspend the duty to file reports:


         Rule 12g-4(a)(1)(i)   [x]                   Rule 12h-3(b)(1)(ii)  [ ]
         Rule 12g-4(a)(1)(ii)  [ ]                   Rule 12h-3(b)(2)(i)   [ ]
         Rule 12g-4(a)(2)(i)   [ ]                   Rule 12h-3(b)(2)(ii)  [ ]
         Rule 12g-4(a)(2)(ii)  [ ]                   Rule 15d-6            [ ]
         Rule 12h-3(b)(1)(i)   [ ]                                         
                                                                          

         Approximate  number of  holders  of record as of the  certification  or
notice date: 164

         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
Clover Leaf Financial Corp. has caused this certification/notice to be signed on
its behalf by the undersigned duly authorized person.

Date: December 28, 2004                 By: /s/ Dennis M. Terry
                                            ------------------------------------
                                            Dennis M. Terry, President and Chief
                                               Executive Officer