EXHIBIT 23.4

                         INDEPENDENT AUDITORS' CONSENT



We consent to the use in this Registration Statement of First Capital, Inc. on
Form S-4 of our report dated January 15, 1999 relating to the consolidated
financial statements of HCB Bancorp and Subsidiary appearing in the Joint Proxy
Statement-Prospectus, which is part of this Registration Statement.  We also
consent to the reference to us under the heading "Experts" in the Joint Proxy
Statement-Prospectus.



/s/ Monroe Shine & Co., Inc.
    ------------------------
     New Albany, Indiana

     September 15, 1999