EXHIBIT 23



                         CONSENT OF INDEPENDENT AUDITORS


     We consent to the incorporation by reference in this Registration Statement
of Horizon  Bancorp on Form S-8 of our report,  dated  January 31, 2003,  on the
consolidated financial statements of Horizon Bancorp as of December 31, 2002 and
2001 and for each of the three  years in the period  ended  December  31,  2002,
included in the Annual Report on Form 10-K of Horizon Bancorp for the year ended
December 31, 2002.


/s/ BKD, LLP
BKD, LLP

Fort Wayne, Indiana
February 17, 2004