<PAGE> 1
Exhibit 23
CONSENT OF INDEPENDENT ACCOUNTANTS
We hereby consent to the incorporation by reference in this Registration
Statement on Form S-2 of University Bancorp, Inc. of our report of Independent
Auditors dated March 17, 2000, relating to the consolidated balance sheets of
University Bancorp, Inc. as of December 31, 1999 and 1998, and the related
consolidated statements of operations, comprehensive income, stockholders'
equity and cash flows for each of the three years in the period ended December
31, 1999, which report appears in University Bancorp, Inc.'s annual report on
Form 10-K for the year ended December 31, 1999.
Crowe, Chizek and Company LLP
Grand Rapids, Michigan
September 27, 2000
99
