CONSENT OF INDEPENDENT ACCOUNTANTS





We  hereby  consent  to the  incorporation  by  reference  in  the  Registration
Statement on Form S-8,  (File Nos.  33-31034,  333-04013  and  333-56111) of our
report,  dated  February  8,  2002,  on the  consolidated  financial  statements
included in Ameriana  Bancorp's  Annual  Report on Form 10-K for the fiscal year
ended December 31, 2001.







/s/ BKD, LLP

Indianapolis, Indiana
March 28, 2002