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 23, 1999, on the
consolidated   financial  statements  of  Marion  Capital  Holdings,   Inc.  and
subsidiaries  contained  in the 1999  Annual  Report to  Shareholders  of Marion
Capital Holdings, Inc., which is incorporated by reference in this Form 10-K.



/s/ Olive LLP
OLIVE LLP

Indianapolis, Indiana
September 23, 1999