Consent of KPMG LLP



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 July 23, 1998 (except as to note
17, which is as of August 6, 1998)  relating to the  consolidated  statements of
earnings,  stockholders'  equity and cash flows of 1ST BANCORP and  subsidiaries
for the year ended June 30, 1998.

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 July
23, 1998  (except for note 17,  which is as of August 6, 1998),  relating to the
consolidated statements of earnings,  shareholders' equity and cash flows of 1ST
BANCORP and  subsidiaries for the year ended June 30, 1998, which report appears
in the December 31, 2000 annual report on Form 10-K of German American Bancorp.


/s/ KPMG LLP
KPMG LLP
Indianapolis, Indiana
March 22, 2001