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<PAGE> 1 CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS We consent to the incorporation by reference in Registration Statement No. 333-68595 of Commercial National Financial Corporation on Form S-8 of our report dated May 25, 2000, included in this Annual Report on Form 11-K of Commercial Bank Employee Savings and Stock Ownership Plan for the year ended December 31, 1999. Crowe, Chizek and Company LLP South Bend, Indiana June 28, 2000
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