SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549

                                    FORM 11-K

(Mark One)

     [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE
                                  ACT OF 1934

                  For the fiscal year ended December 31, 2000


                                       OR

        [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
                              EXCHANGE ACT OF 1934

For the transition period from                       to
                               ---------------------    --------------------


Commission File Number: 0-6233


A.   Full title of the plan and the address of the plan, if different  from that
     of the issuer named below:

           TRUSTCORP MORTGAGE COMPANY EMPLOYEE RETIREMENT SAVINGS PLAN

B.   Name of issuer of the securities  held pursuant to the plan and the address
     of its principal executive office:

                             1ST SOURCE CORPORATION
                             100 N. Michigan Street
                            South Bend, Indiana 46601




                              REQUIRED INFORMATION


FINANCIAL STATEMENTS:

         A list of the required financial  statements filed as part of this Form
11-K  is set  forth  on page  F-1.  The  consent  of  Ernst  & Young  LLP to the
incorporation  by  reference  of these  financial  statements  into  1st  Source
Corporation's  Form S-8  Registration  Statement  relating to the Plan (Reg. No.
333-64306) is set forth hereto as Exhibit 23.1.

                                   SIGNATURES


     The Plan.  Pursuant to the  requirements of the Securities  Exchange Act of
1934, the trustees (or other persons who  administer the employee  benefit plan)
have  duly  caused  this  annual  report  to be  signed  on  its  behalf  by the
undersigned hereunto duly authorized.


                                  TRUSTCORP MORTGAGE COMPANY
                                  EMPLOYEE RETIREMENT SAVINGS PLAN

                                  By the Plan Administrator:
                                  TRUSTCORP MORTGAGE COMPANY


Date: June 29, 2001                /s/ Jay Rudynski
                                  ----------------------------------------------
                                  Jay Rudynski, Chief Financial Officer






                           Trustcorp Mortgage Company
                        Employee Retirement Savings Plan


                        As of December 31, 2000 and 1999,
                    and for the year ended December 31, 2000






                                    Contents

Report of Independent Accountants ...........................................1

Financial Statements

Statements of Net Assets Available for Benefits..............................2
Statement of Changes in Net Assets Available for Benefits....................3
Notes to Financial Statements................................................4

Schedule

Schedule of Assets Held for Investment Purposes At End of Year...............8

Consent of Ernst & Young LLP......................................Exhibit 23.1


                                      F-1




                        Report of Independent Accountants


Board of Directors
Trustcorp Mortgage Company


We have audited the accompanying statements of net assets available for benefits
of the  Trustcorp  Mortgage  Company  Employee  Retirement  Savings  Plan  as of
December 31, 2000 and 1999,  and the related  statement of changes in net assets
available  for benefits for the year ended  December 31, 2000.  These  financial
statements are the responsibility of the Plan's  management.  Our responsibility
is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with auditing standards generally accepted
in the United States. Those standards require that we plan and perform the audit
to obtain reasonable  assurance about whether the financial  statements are free
of material misstatement. An audit includes examining, on a test basis, evidence
supporting  the amounts and  disclosures in the financial  statements.  An audit
also includes assessing the accounting principles used and significant estimates
made by  management,  as well as  evaluating  the  overall  financial  statement
presentation.  We believe  that our audits  provide a  reasonable  basis for our
opinion.

In our opinion,  the financial  statements  referred to above present fairly, in
all  material  respects,  the net  assets  available  for  benefits  of the Plan
December  31,  2000 and 1999,  and the changes in its net assets  available  for
benefits for the year ended  December 31, 2000,  in conformity  with  accounting
principles generally accepted in the United States.

Our audits  were  performed  for the  purpose of forming an opinion on the basic
financial statements taken as a whole. The accompanying supplemental schedule of
assets held for  investment  purposes at end of year as of December 31, 2000, is
presented for purposes of additional  analysis and is not a required part of the
financial statements but is supplementary information required by the Department
of Labor's Rules and Regulations for Reporting and Disclosure under the Employee
Retirement  Income  Security  Act of 1974.  This  supplemental  schedule  is the
responsibility  of the Plan's  management.  The  supplemental  schedule has been
subjected  to the  auditing  procedures  applied  in  our  audits  of the  basic
financial  statements  and, in our  opinion,  is fairly  stated in all  material
respects in relation to the basic financial statements taken as a whole.


                                                          s/Ernst & Young LLP

Columbus, Ohio
June 29, 2001

           Trustcorp Mortgage Company Employee Retirement Savings Plan

                 Statements of Net Assets Available for Benefits



                                                      December 31
                                                 2000             1999
                                           ----------------------------------

Assets
Cash and cash equivalents                       $    38,551      $    25,595

Investments at fair value:
    Common stock                                    709,639          647,858
    Mutual funds                                  2,138,717        2,391,475
    1st Source Bank common trust fund               118,609           92,056
    Participant notes receivable                    209,013          174,504
                                           ----------------------------------
      Total investments                           3,175,978        3,305,893

Contribution receivable
    Employer                                         81,323          119,518
    Employee                                         14,734           12,353
                                           ----------------------------------
                                                     96,057          131,871
Other assets
    Accrued investment income                           196              150
    Investment sales receivable                      77,013                -
                                           ----------------------------------
                                                     77,209              150

Total assets                                      3,387,795        3,463,509

Liabilities

Accrued expenses payable                             17,603            6,128
Investment purchases payable                        132,649                -
                                           ----------------------------------
Total liabilites                                    150,252            6,128
                                           ----------------------------------

Net assets available for benefits               $ 3,237,543      $ 3,457,381
                                           ==================================


See accompanying notes.

           Trustcorp Mortgage Company Employee Retirement Savings Plan

            Statement of Changes in Net Assets Available for Benefits

                      For the year ended December 31, 2000




Additions

    Investment income:
      Interest                                                         $ 19,239
      Dividends                                                          40,820
      Capital gains                                                     229,485
                                                            --------------------
                                                                        289,544
                                                            --------------------
    Contributions:
      Employer                                                          160,544
      Employees                                                         204,305
                                                            --------------------
                                                                        364,849
                                                            --------------------
Total additions                                                         654,393

Deductions
    Net depreciation in fair value of investments                       157,859
    Benefits paid to participants                                       690,827
    Plan expenses                                                        25,545
                                                            --------------------
Total deductions                                                        874,231
                                                            --------------------

Net decrease                                                           (219,838)

Net assets available for benefits:
    Beginning of year                                                 3,457,381
                                                            --------------------
    End of year                                                     $ 3,237,543
                                                            ====================


See accompanying notes.



           Trustcorp Mortgage Company Employee Retirement Savings Plan

                          Notes to Financial Statements

                                December 31, 2000



1. Description of the Plan

General
The Trustcorp Mortgage Company Employee  Retirement Savings Plan (the "Plan") is
a defined  contribution  plan covering  substantially all employees of Trustcorp
Mortgage Company  ("Trustcorp")  who have completed one year of service in which
the employee has worked 1,000 hours.  The Plan is subject to the  provisions  of
the Employee  Retirement  Income Security Act of 1974 ("ERISA").  Trustcorp is a
wholly owned subsidiary of 1st Source Corporation.

The  Board  of  Directors  of  Trustcorp   Mortgage   Company  may  authorize  a
contribution  from consolidated net profit or retained earnings in excess of the
401(k)  matching  contributions  which are also  approved  by the  Board.  These
discretionary  contributions  are  made  in  cash  and  are  allocated  to  each
participant based upon provisions of the Plan Agreement.

Funding and Vesting
Participants  are permitted to designate up to 15% of their annual  compensation
as a salary  reduction  contribution  to the Plan  under  Section  401(k) of the
Internal Revenue Code. When applying the discretionary  matching  contributions,
only salary reductions up to six percent (6%) of eligible employee  compensation
is  considered.  For the year  2000,  the  discretionary  matching  contribution
percentage was 50%. In addition,  as part of the profit sharing component of the
Plan,  Trustcorp has the  discretion to make an additional  contribution  to the
Plan,  out of current  or  accumulated  net  profits.  For the year  2000,  this
discretionary contribution was equal to $76,000.

Vesting  of  participant   contributions   and   Trustcorp's   401(k)   matching
contributions  are  immediate.  Vesting of the Trustcorp  contributions  for the
profit sharing component of the Plan is based on years of credited service, with
participants  becoming  100%  vested  after  seven  years of  credited  service.
However, a participant becomes 100 % vested upon satisfying the requirements for
early retirement under the terms of the Plan document.

Each participant's  account is credited with the participant's  contribution and
an allocation  of (a)  Trustcorp's  contribution,  (b) Plan earnings net of Plan
expenses, and (c) forfeitures of terminated  participants'  non-vested accounts.
Allocations  are based on  participant  compensation  or  account  balances,  as
defined.  The benefit to which a participant is entitled is the benefit that can
be provided from the participant's vested account balance.








           Trustcorp Mortgage Company Employee Retirement Savings Plan

                    Notes to Financial Statements (continued)



1. Description of the Plan (continued)

Participant Loans
Participants  may  borrow  from the Plan  amounts  not to exceed  the  lesser of
one-half of the participant's  vested account balance or $50,000.  The loans are
collateralized by the participant's  vested account balance and bear interest at
fixed  rates of 1% above the  national  prime rate as posted in the Wall  Street
Journal.  The loans are  repayable  over five  years  except  for loans  used to
acquire or  construct  a  participant's  principal  residence  in which case the
repayment term may be repayable up to ten years.

Payment of Benefits
On termination of service,  a participant may elect to receive either a lump-sum
amount  equal to the value of his or her  vested  account  balance  or  periodic
installments in accordance with Plan provisions.  At December 31, 2000 and 1999,
$311,778 and $595,221  respectively,  has been allocated to participants who had
effectively withdrawn from the Plan as of the end of those respective years, but
had yet to receive their final distribution.

Plan Termination
Although it has not expressed  any  intention to do so,  Trustcorp has the right
under the Plan to discontinue its contributions at any time and to terminate the
Plan  subject  to the  provisions  of ERISA.  In the event of Plan  termination,
participants will become fully vested in their accounts.

The  foregoing  description  of the  Plan  provides  only  general  information.
Participants  should refer to the Plan Agreement,  the Summary Plan Description,
or  the  Employee  Handbook  for a  more  complete  description  of  the  Plan's
provisions. Copies are available from the Trustcorp Human Resources Division.


2. Summary of Significant Accounting Policies

Investment Valuation and Income Recognition
Investments are stated at fair value. Securities traded on a national securities
exchange are valued at the last reported sales price on the last business day of
the plan  year;  securities  traded in the  over-the-counter  market  and listed
securities for which no sale was reported on that date are valued at the average
of the last reported bid and ask prices.  The fair value of mutual funds and the
Plan's  participation  in  common/collective  trust funds of 1st Source Bank are
stated  at the  aggregate  current  value as  reported  by the  funds.  Loans to
participants are stated at cost, which approximates fair value.

Purchases and sales of securities are recorded on a trade-date  basis.  Interest
income  is  recorded  on  the  accrual  basis.  Dividends  are  recorded  on the
ex-dividend date.




           Trustcorp Mortgage Company Employee Retirement Savings Plan

                    Notes to Financial Statements (continued)



2. Summary of Significant Accounting Policies (continued)

Use of Estimates
The financial  statements of the Trustcorp Mortgage Company Employee  Retirement
Savings Plan (the "Plan") are presented on the accrual basis and are prepared in
conformity with accounting  principles  generally accepted in the United States,
which require  management to make estimates and assumptions  that affect amounts
in the financial  statements and accompanying notes. Actual results could differ
from those estimates.

3. Investments

During 2000, the Plan's investments (including  investments purchased,  sold, as
well as held during the year)  depreciated  in value by $157,859,  including net
realized gains of $968, as follows:

                                                             Net Appreciation
                                                          (Depreciation) in Fair
                                                           Value During the Year
                                                          ----------------------

            Common stock                                          $  (59,569)
            Mutual funds                                            (100,940)
            1st Source Bank common trust fund                          2,650
                                                          ----------------------
                                                                  $ (157,859)

The fair value of individual investments that represent 5% or more of the Plan's
net assets are as follows:



                                                                     2000               1999
                                                             ------------------ -----------------
                                                                              
       1st Source Corporation common stock:                      $  568,743         $  536,525
       Morgan Stanley Institutional International Equity:           522,883            470,657
       1st Source Monogram Income Equity Fund:                      511,455            460,721
       1st Source Monogram Diversified Equity Fund:                 575,852            789,212
       1st Source Monogram Special Equity Fund:                     291,042            351,670
       1st Source Monogram Income Fund:                             237,485            319,214








           Trustcorp Mortgage Company Employee Retirement Savings Plan

                    Notes to Financial Statements (continued)


4. Transactions with Parties-In-Interest

Parties-in-interest  are defined under  Department of Labor  regulations  as any
fiduciary of the Plan, any party rendering service to the Plan, the employer and
certain others.

Plan  assets are held in custody by the trust  division  of 1st Source  Bank,  a
wholly  owned  subsidiary  of  1st  Source  Corporation,  parent  of  Trustcorp.
Professional fees for the audit of the Plan for the year ended December 31, 2000
were paid by Trustcorp.

The Plan  held the  following  party-in-interest  investments  at fair  value at
December 31:


                                                                     2000                1999
                                                              ------------------ -------------------
                                                                              
1st Source Corporation Common Stock                              $  568,743         $  536,525
1st Source Monogram Income Equity Fund:                             511,455            460,721
1st Source Monogram Diversified Equity Fund:                        575,852            789,212
1st Source Monogram Special Equity Fund:                            291,042            351,670
1st Source Monogram Income Fund:                                    237,485            319,214
1st Source Bank Employee Benefit Guaranteed Income Fund             118,609             92,056


Plan  transactions with  parties-in-interest  during the year ended December 31,
2000 were as follows:

     Identity                    Relationship
     --------                    ------------
RSM McGladrey, Inc.          Recordkeeper & Tax Accountant          $ 17,603

1st Source Bank              Trustee                                   7,942

                                                             ----------------
                                                                    $ 25,545
                                                             ================

5. Income Tax Status


The  Internal  Revenue  Service  ruled on July 18, 1994 that the Plan  qualifies
under  Section  401(a) of the Internal  Revenue Code (IRC) and,  therefore,  the
related  trust  is not  subject  to tax  under  present  income  tax  law.  Once
qualified,  the  Plan is  required  to  operate  in  conformity  with the IRC to
maintain its qualification. The Plan Administrator is not aware of any course of
action or series of events that have  occurred that might  adversely  affect the
Plan's qualified status.



           Trustcorp Mortgage Company Employee Retirement Savings Plan

                    Schedule H, Line 4i - Schedule of Assets
                  Held for Investment Purposes at End of Year

                                December 31, 2000

                                                                 EIN: 35-1933290
                                                         Plan Number: 003




                       Identity of Issue,
                       Borrower, Lessor
                       or Similar Party                         Description of Investment           Fair Value
    -------------------------------------------------------------------------------------------------------------
                                                                                                 
    Common Stock:
 *    1st Source Corporation                                          31,164 shares                    $ 568,743
      Key Corp                                                         5,032 shares                      140,896
                                                                                               ------------------
                                                                                                         709,639

    Mutual Funds:
      Morgan Stanley Institutional International Equity Fund           29,359 units                      522,883
 *    1st Source Monogram Income Equity Fund                           45,382 units                      511,455
 *    1st Source Monogram Diversified Equity Fund                      63,142 units                      575,852
 *    1st Source Mongram Special Equity Fund                           29,369 units                      291,042
 *    1st Source Monogram Income Fund                                  29,369 units                      237,485
                                                                                               ------------------
                                                                                                       2,138,717

    Common Trust Funds:
 *    1st Source Bank Employee Benefits                                5,632 units                       118,609
                                                                                               ------------------
           Guarenteed Income Fund                                                                        118,609

    Loans to Participants:                                  $209,013 principal amount, interest
                                                               rates ranging from 8.75% to
                                                             10.75%, maturities through 2009             209,013
                                                                                               ------------------
                                                                                                         209,013

    Total Assets Held for Investement Purposes at End of Year:                                       $ 3,175,978
                                                                                               ==================




 * Indicates a party-in-interest to the Plan.