EXHIBIT 23:


                         CONSENT OF INDEPENDENT AUDITORS


We hereby consent to the incorporation by reference and use of our report, dated
November 14, 2003, 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, 2003, in MFB Corp.'s Registration Statements on Form
S-8 (Registration No. 33-84340 and Registration No. 33-47891).


                                                 Crowe Chizek and Company LLC
South Bend, Indiana
December 19, 2003