CONSENT OF INDEPENDENT ACCOUNTANTS


We consent to the  incorporation by reference in the Registration  Statements of
German American  Bancorp on Form S-3 (File No.  33-92202) and Form S-8 (File No.
333-80605,  333-81837, and 333-81839) of our report, dated February 16, 1998, on
the consolidated financial statements of CSB Bancorp as of December 31, 1997 and
for the year then ended, appearing in German American Bancorp's Annual Report on
Form 10-K for the year ended December 31, 1999.


Gaither Rutherford & Co., LLP
March 28, 2000
Evansville, Indiana