ST JOSEPH CAPITAL CORP
15-15D, 1997-01-23
STATE COMMERCIAL BANKS
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<PAGE>   1





                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                                    FORM 15

        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 Section 13 and 15(d) of
                    the Securities Exchange Act of 1934.

                                                 Commission File Number 333-6581

                         ST. JOSEPH CAPITAL CORPORATION
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)


                           4101 EDISON LAKES PARKWAY
                            MISHAWAKA, INDIANA 46545
  (Address, including zip code, and telephone number, including area code, of
                   registrant's principal executive offices)


                     COMMON STOCK, $.01 PAR VALUE PER SHARE
            (Title of each class of securities covered by this Form)


                                      NONE
  ---------------------------------------------------------------------------
  (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)      [  ]     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               [X ]
       Rule 12h-3(b)(1)(i)      [X ]


       Approximate number of holders of record as of the certification
                             or notice date: 69.

         Pursuant to the requirements of the Securities Exchange Act of 1934,
St. Joseph Capital Corporation has caused this certification/notice to be
signed on its behalf by the undersigned duly authorized person.


Date:    January 20, 1997                  By:     /s/ John W. Rosenthal    
                                                   -----------------------
                                                   John W. Rosenthal
                                                   President
                                 
Instruction:  This form is required by Rules 12g-4, 12h-3 and 15d-6 of the
General Rules and Regulations under the Securities Exchange Act of 1934.  The
registrant shall file with the Commission three copies of Form 15, one of which
shall be manually signed.  It may be signed by an officer of the registrant, by
counsel or by any other duly authorized person.  The name and title of the
person signing the form shall be typed or printed under the signature.


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