KRUEGER & ASSOCIATES
1845 NEWTON STREET
JASPER, IN  47546



                         Consent of Krueger & Associates


The Board of Directors
German American Bancorp:

We consent to the  inclusion in the December 31, 2000 Annual Report on Form 10-K
of German  American  Bancorp of our report dated January 8, 2000 relating to the
consolidated  balance  sheet of Holland  Bancorp as of December 31, 1999 and the
related consolidated  statements of income,  stockholders' equity and cash flows
for each of the years in the two year period ended December 31, 1999.

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  333-35650) and
Form S-8 (File No.  333-80605,  333-81837,  and  333-81839)  of our report dated
January 8, 2000 relating to the consolidated balance sheet of Holland Bancorp as
of  December  31,  1999  and the  related  consolidated  statements  of  income,
stockholders' equity and cash flows for each of the years in the two year period
ended  December 31, 1999,  which report  appears in the December 31, 2000 annual
report on Form 10-K of German American Bancorp.

/s/ Krueger & Associates
Krueger & Associates
March 22, 2001