Exhibit 23


               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


We consent to the incorporation by reference in a Registration Statement on Form
S-8  (Registration  No.  33-69538)  of our report  dated July 26,  1996,  on the
consolidated   financial  statements  of  Marion  Capital  Holdings,   Inc.  and
subsidiaries  contained  in the 1996  Annual  Report to  Shareholders  of Marion
Capital Holdings, Inc., which is incorporated by reference in this Form 10-K.


Geo. S. Olive & Co. LLC


Indianapolis, Indiana
September 23, 1996