EXHIBIT 23.1

                         Consent of Independent Auditors

         We consent  to the  incorporation  by  reference  in this  Registration
Statement of German American  Bancorp on Form S-4 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 the German
American  Bancorp  Annual Report on Form 10-K for the period ended  December 31,
1999.

                                          /s/ Crowe, Chizek and Company LLP
                                        Crowe, Chizek and Company LLP

July 17, 2000
Indianapolis, Indiana