[TRIDENT SECURITIES LETTERHEAD]
June 16, 2000
Board of Directors
Lincoln Bancorp
1121 East Main Street
Plainfield, Indiana 46168
Members of the Board:
We hereby consent to the use of our name and to the description of our
opinion letter to the Board of Directors of Citizens Bancorp, to be signed and
dated the date of the Joint Proxy Statement/Prospectus that is a part of this
Registration Statement, under the caption "Opinion of Financial Advisor to
Citizens Bancorp", and to the inclusion of such opinion letter as Annex B to the
Proxy Statement/Prospectus that is a part of this Registration Statement.
TRIDENT SECURITIES
A Division of McDonald Investments Inc.
By /s/ V. Mark Bowles
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V. Mark Bowles
Vice President
