UNION ACCEPTANCE CORP
S-8, EX-23.A, 2000-10-27
PERSONAL CREDIT INSTITUTIONS
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                                                                    EXHIBIT 23-A

                          INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in this  Registration  Statement of
Union  Acceptance  Corporation  Employee  Stock Purchase Plan on Form S-8 of our
report dated July 21, 2000, appearing in the Annual Report on Form 10-K of Union
Acceptance Corporation for the year ended June 30, 2000.


/s/ Deloitte & Touche LLP

Deloitte & Touche LLP
Indianapolis, Indiana

October 25, 2000


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