Exhibit 23
                                                                      ----------

                         CONSENT OF INDEPENDENT AUDITORS


We  hereby  consent  to the  incorporation  by  reference  in  the  registration
statements of MFB Corp. on Form S-8  (Registration No. 33-84340 and Registration
No.  333-47891)  of our  report  dated  November  8, 2001,  on the  consolidated
financial  statements of MFB Corp.,  as of September 30, 2001 and 2000,  and for
each of the three years in the period ended September 30, 2001,  which report is
incorporated by reference in this Annual Report on Form 10-K of MFB Corp.


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


South Bend, Indiana
December 21, 2001