IRWIN FINANCIAL CORPORATION, S-3/A, EX-23.1, 2000-09-27

IRWIN FINANCIAL CORPORATION
S-3/A, EX-23.1, 2000-09-27
STATE COMMERCIAL BANKS

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                                                                    Exhibit 23.1
                                                                    ------------



                       CONSENT OF INDEPENDENT ACCOUNTANTS
                       ----------------------------------


We hereby consent to the incorporation by reference in this Amendment No. 1 to
the Registration Statement on Form S-3 of our report dated January 24, 2000
relating to the financial statements, which appears in Irwin Financial
Corporation's Annual Report on Form 10-K for the year ended December 31, 1999.
We also consent to the references to us under the headings "Selected
Consolidated Financial Data" and "Experts" in such Registration Statement.

PricewaterhouseCoopers LLP

Cincinnati, Ohio
September 26, 2000