EXHIBIT 23.5

                               Consent of KPMG LLP

The Board of Directors
German American Bancopr:

         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
July 17, 2000