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EXHIBIT 23
We consent to the incorporation by reference in the Registration Statement (File No. 333-53600) ofMutualFirst Financial, Inc's 2000 Recognition and Retention Plan and 2000 Stock Option and Incentive Plan on Form S-8 of our report, dated February 8, 2001, on the consolidated financial statements incorporated by reference inMutualFirst's Annual Report on Form 10-K for the fiscal year ended December 31, 2000.
/s/ Olive LLP
Indianapolis, Indiana
March 27, 2001