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