Irradiation of dissolved organic carbon (DOC) of terrestrial origin that is freshly released to surface waters can produce particulate organic carbon (POC). Laboratory experiments with stream water were conducted to determine POC and particulate metals formation during exposure to artificial solar radiation comparable to surface intensity. The results showed that decreases in DOC concentration were accompanied initially by increasing and later by decreasing POC concentrations. Data were fit to first order kinetics models to compare rates of POC formation and loss with DOC and absorbance loss, and to better understand how metals might be involved in photochemical POC formation. This abiotic mechanism may be important for the transfer of allochthonous DOC and metals to sediments in temperate aquatic systems.