Exhibit 23.0 Consent of Olive to Publish Their Consolidated Financial
Statements Dated March 31, 2000 and 1999
INDEPENDENT ACCOUNTANT'S CONSENT
The Board of Directors
CGB&L Financial Group, Inc.
We hereby consent to the incorporation by reference, in
Registration Statement on Form S-8 filed with the SEC on
October 29, 1999 on behalf of CGB&L Financial Group,
Inc., of our report dated April 20, 2000 on the
consolidated financial statements of CGB&L Financial
Group, Inc. and subsidiary for the year ended March 31,
2000, which report is incorporated in the Company's 2000
Annual Report to Stockholders on Form 10-KSB of CGB&L
Financial Group, Inc.
By: /s/ Olive LLP
Decatur, Illinois
June 27, 2000
