CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANT


We consent to the incorporation by reference in a Registration Statement on Form
S-8  (Registration  No.  33-69538)  of our report  dated July 24,  1998,  on the
consolidated   financial  statements  of  Marion  Capital  Holdings,   Inc.  and
subsidiaries  contained  in the 1998  Annual  Report to  Shareholders  of Marion
Capital Holdings, Inc., which is incorporated by reference in this Form 10-K.


Olive LLP

/s/ Olive LLP

Indianapolis, Indiana
September 22, 1998