Consent of Independent Auditors


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 11, 2000, on
the consolidated  financial statements of German American Bancorp as of December
31, 1999 and 1998 and for each of the three years in the period  ended  December
31, 1999, which report is incorporated by reference in this Form 10-K.



                                                 Crowe, Chizek and Company LLP

March 27, 2000
Indianapolis, Indiana