1 EXHIBIT 23.2 CONSENT OF MONROE SHINE & COMPANY, INC. 2 Exhibit 23.2 INDEPENDENT AUDITORS' CONSENT We consent to the incorporation by reference in this Registration Statement on Form S-8 of First Capital, Inc. of our report, dated July 22, 1999, included and incorporated by reference in the Annual Report on Form 10-KSB of First Capital, Inc. for the year ended June 30, 1999. /s/ Monroe Shine & Co., Inc. Monroe Shine & Co., Inc. New Albany, Indiana February 1, 2000