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                                  UNITED STATES
                       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): January 27, 2010

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

          Maryland                       0-50820                  20-4797391
----------------------------      ---------------------      ------------------
(State or other jurisdiction      (Commission File No.)        (IRS Employer
     of incorporation)                                       Identification No.)



6814 Goshen Road, Edwardsville, Illinois                           62025
----------------------------------------                    ------------------
(Address of principal executive offices)                        (Zip Code)


Registrant's telephone number, including area code:  (618) 656-6122


                                 Not Applicable
          -------------------------------------------------------------
          (Former name or former address, if changed since last report)

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[  ]  Written communications pursuant to Rule 425 under the Securities Act
      (17 CFR 230.425)

[  ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
      (17 CFR 240.14a-12)

[  ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

[  ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CRF 240.13e-4(c))







Item 8.01.  Other Events.

     On January 27, 2010, the Board of Directors of the Company  declared a cash
dividend on the Company's  common stock of $0.06 per share for the quarter ended
December 31, 2009. The dividend will be payable to  stockholders of record as of
February 12, 2010 and is expected to be paid on February 19, 2010.

     A copy  of the  press  release  dated  January  27,  2010,  giving  details
associated with the dividend, is attached as Exhibit 99 to this report.

Item 9.01.  Financial Statements and Exhibits.

(a)    Not Applicable.

(b)    Not Applicable.

(c)    Not Applicable.

(d)    Exhibits.

          Exhibit No.                       Description
          -----------                       -----------

                  99                        Press release dated January 27, 2010






                                   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.

                                            FIRST CLOVER LEAF FINANCIAL CORP.


DATE:  January 27, 2010                     By: /s/ Darlene F. McDonald
                                                -------------------------------
                                                Darlene F. McDonald
                                                Chief Financial Officer