CONSENT OF INDEPENDENT ACCOUNTANTS



Board of Directors
German American Bancorp
Jasper, Indiana

We consent to the inclusion by reference in the Registration Statement of German
American Bancorp on Form S-3, which relates to the Dividend Reinvestment and
Stock Purchase Plan and which is included by reference as an Exhibit in the
December 31, 1995 Form 10-K, of our Independent Auditor's Report, dated January
27, 1995, on the consolidated financial statements of German American Bancorp as
of December 31, 1994 and 1993, and for each of the three years in the period
ended December 31, 1994.  We also consent to the use of our name and the
statements with respect to us appearing under the heading `Experts'' in the
Registration Statement Form S-3.

                         By/s/Crowe, Chizek and Company LLP
                         Crowe, Chizek and Company LLP


March 20, 1996
Indianapolis, Indiana


   
                                  Exhibit 23.1