GERMAN AMERICAN BANCORP
11-K, EX-23, 2000-11-14
STATE COMMERCIAL BANKS
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                         Consent of Independent Auditors


We consent to the  incorporation  by reference  in  Registration  Statement  No.
333-80605 of German  American  Bancorp on Form S-8 of our report dated September
29, 2000 on the financial  statements of the German  American  Bancorp  Employee
Stock  Purchase  Plan as of and for the year ended August 16, 2000,  included in
this Annual Report on Form 11-K.



                                             /s/ Crowe, Chizek and Company LLP
                                             Crowe, Chizek and Company LLP


November 13, 2000
Indianapolis, Indiana


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