EXHIBIT 23.5

The Board of Directors
German American Bancorp:


                               Consent of KPMG LLP

     We consent to the incorporation by reference in the registration  statement
of German American Bancorp on Form S-4 of our report dated July 23, 1998 (except
for note 17,  which is as of August  11,  1998),  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.


/s/ KPMG LLP


KPMG LLP
Indianapolis, Indiana
August 7, 2000