CONSENT OF INDEPENDENT AUDITORS


We hereby  consent  to the  incorporation  by  reference  of our  report,  dated
November 4, 1996, on the  consolidated  financial  statements of MFB Corp. which
appears in MFB Corp.'s  Annual Report on Form 10-K for the year ended  September
30, 1996 in MFB Corp.'s Registration Statement on Form S-8 (Registration No.
33-84340)




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

South Bend, Indiana
December 26, 1996