CONSENT OF INDEPENDENT PUBLIC 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 3, 2003, included in Ameriana Bancorp's Annual Report on
Form 10-K for the fiscal year ended December 31, 2002.





/s/BKD,LLP

Indianapolis, Indiana
March 28, 2003