KPMG

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                               Consent of KPMG LLP


The Board of Directors
German American Bancorp:

We consent to the  inclusion in the December 31, 1999 Annual Report on Form 10-K
of German American  Bancorp of our report dated July 23, 1998 (except as to note
17,  which is as of August 6, 1998)  relating to the  consolidated  statement of
financial condition of 1ST BANCORP and subsidiaries as of June 30, 1998, and the
related consolidated statements of earnings, stockholders' equity and cash flows
for each of the years in the two-year period ended June 30, 1998.

We also 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 July 23, 1998
(except  for  note  17,  which  is as of  August  11,  1999),  relating  to  the
consolidated  balance sheet of 1ST BANCORP and subsidiaries as of June 30, 1998,
and the related  consolidated  statements of earnings,  shareholders' equity and
cash flows for each of the years in the  two-year  period  ended June 30,  1998,
which report  appears in the December  31, 1999,  annual  report on Form 10-K of
German American Bancorp.



KPMG LLP
Indianapolis, Indiana
March 27, 2000