CONSENT OF INDEPENDENT AUDITORS


We hereby consent to the incorporation by reference and use of our report, dated
November 10, 1999, on the consolidated  financial  statements of MFB Corp. which
is  incorporated  by reference in MFB Corp.'s Annual Report on Form 10-K for the
year ended September 30, 1999, in MFB Corp.'s Registration Statement on Form S-8
(Registration No. 33-84340).


                                                   Crowe, Chizek and Company LLP


South Bend, Indiana
December 27, 1999