EXHIBIT 23.1



           CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


        As independent public accountants, we hereby consent
to the incorporation by reference in this Registration
Statement on Form S-8 of our report, dated February 23, 1998,
included in the Registration Statement on Form 10 of Central
Illinois Bancorp, Inc., as filed with the Securities and
Exchange Commission on April 30, 1998 and amended by Amendment
No. 1 thereto, as filed with the Securities and Exchange
Commission on June 25, 1998, and to all references to our firm
included in this Registration Statement.



                            /s/ STRIEGEL KNOBLOCH & COMPANY LLC
 

                                      

Bloomington, Illinois
February 24, 1999