IFB HOLDINGS INC
15-12G, 2000-09-06
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                     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 0-21687

                               IFB Holdings, Inc.
                               -------------------
             (Exact name of registrant as specified in its charter)

                 522 Washington St., Chillicothe, Missouri 64601
                                 (660) 646-3733
                      -----------------------------------
   (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:
178

     Pursuant to the  requirements  of the  Securities  Exchange Act of 1934 IFB
Holdings,  Inc. has caused this  certification/notice to be signed on its behalf
by the undersigned duly authorized person.

Date:    September 5, 2000               By: /s/ Douglas W. Ayers
                                           --------------------
                                           Douglas W. Ayers, President and Chief
                                           Executive Officer
                                           (name and title)


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