KRUEGER & ASSOCIATES
Certified Public Accountants
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, 2001 Annual Report on Form 10-K
of German  American  Bancorp of our report dated January 8, 2000 relating to the
consolidated statement of income, stockholders' equity and cash flows of Holland
Bancorp, Inc. for the year 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  statement  of  income,
stockholders'  equity and cash flows for the year ended December 31, 1999, which
report  appears in the  December  31, 2001 annual  report on Form 10-K of German
American Bancorp.


/s/ Krueger & Associates
Krueger & Associates
March 22, 2002





                                  Exhibit 23.2