CONSENT OF INDEPENDENT AUDITORS
We hereby consent to the incorporation by reference and use of our report, dated
November 16, 2000, on the consolidated financial statements of MFB Corp., which
is incorporated by reference in MFB Corp.'s Annual Report on Form 10-K for the
year ended September 30, 2000, in MFB Corp.'s Registration Statements on Form
S-8 (Registration No. 33-84340 and Registration No. 333-47891).
/s/ Crowe, Chizek and Company LLP
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Crowe, Chizek and Company LLP
South Bend, Indiana
December 21, 2000
