8-K

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): November 4, 2004

SOUTHERN MICHIGAN BANCORP, INC.
(Exact Name of Registrant as
Specified in its Charter)

Michigan
(State or Other Jurisdiction
of Incorporation) 2-78178
(Commission
File Number) 38-2407501
(IRS Employer
Identification No.)

51 West Pearl Street
Coldwater, Michigan
(Address of Principal Executive Offices)
49036
(Zip Code)

Registrant's telephone number, including area code:  (517) 279-5500

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):

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

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

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

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02 Results of Operations and Financial Condition.

                    On November 4, 2004, Southern Michigan Bancorp, Inc. issued the press release attached as Exhibit 99.1 to this Form 8-K, which is here incorporated by reference. This Report and the Exhibit are furnished to, and not filed with, the Commission.

Item 9.01 Financial Statements and Exhibits.

(c)	Exhibits:
	99.1	Press Release dated November 4, 2004. This Exhibit is furnished to, and not filed with, the Commission.

- -2-

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.

Dated:	November 5, 2004	SOUTHERN MICHIGAN BANCORP, INC. (Registrant)
		By:	/s/ John H. Castle
			John H. Castle Chief Executive Officer and Chairman of the Board

- -3-

EXHIBIT INDEX

Exhibit Number	Document
99.1	Southern Michigan Bancorp, Inc. Press Release dated November 4, 2004. This Exhibit is furnished to, and not filed with, the Commission.

- -4-

EX-99

EXHIBIT 99.1

[SOUTHERN MICHIGAN BANCORP, INC. LETTERHEAD]

FOR IMMEDIATE RELEASE
CONTACT: JOHN H. CASTLE
(517) 279-5500

SOUTHERN MICHIGAN BANCORP, INC. REPORTS THIRD QUARTER EARNINGS

Coldwater, Michigan, November 3, 2004: Southern Michigan Bancorp, Inc. (OTCBB: SOMC) reported third quarter net income of $920,000, or $.50 per share, up $116,000 as compared to net income of $804,000, or $.44 per share in the third quarter of 2003. The results represent a 14.4% increase in net income from the third quarter of 2003.

Net income was $2,641,000, or $1.44 per share in the first nine months of 2004, compared to net income of $2,461,000, or $1.34 per share in the first nine months of 2003. This represents an increase of 7.3% in net income for the first nine months of 2004. The returns on average assets and average equity during the first nine months of 2004 were 1.12% and 13.17%, respectively.

Southern Michigan Bancorp, Inc. is a holding company and parent company of Southern Michigan Bank and Trust. Southern Michigan Bank & Trust operates 10 offices throughout southern Michigan. For more information, please visit our website, www.smb-t.com.