MUTUALFIRST FINANCIAL INC
S-4, EX-23.5, 2000-09-25
BLANK CHECKS
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                         Consent of Independent Auditors

We consent to the use in this Registration Statement of Marion Capital Holdings,
Inc. on Form S-4 of our report dated July 21, 2000 on the consolidated financial
statements of Marion Capital Holdings, Inc., appearing in the Prospectus,  which
is part of this Registration  Statement. We also consent to the reference to our
firm appearing under the headings  "Selected  Historical and Pro Forma Financial
Data" and "Experts" in the Prospectus.



Olive LLP

Indianapolis, Indiana
September 20, 2000


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