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CONSENT OF INDEPENDENT AUDITORS
We consent to the incorporation by reference in this Registration Statement of
MutualFirst Financial, Inc. on Form S-8 of our report dated February 4, 2000,
incorporated by reference in the Annual Report on Form 10-K of MutualFirst
Financial, Inc. for the year ended December 31, 1999.
/s/ Olive LLP
Indianapolis, Indiana
January 11, 2001
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