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EXHIBIT 23(d)
Consent of Independent Accountants
We hereby consent to the use in the Registration Statement on Form S-4 of
Southern Michigan Bancorp, Inc. of our report dated February 11, 2000,
appearing in the Prospectus, on the consolidated financial statements of
Southern Michigan Bancorp, Inc. as of December 31, 1999 and 1998 and for each
of the three years in the period ended December 31, 1999. We also consent to
the use of our name and the statements with respect to us appearing under the
heading "Experts" in the Prospectus.
/s/ Crowe, Chizek and Company, LLP
South Bend, Indiana
June 28, 2000
