EXHIBIT 23.1


                         Consent of Independent Auditors


Board of Directors
German American Bancorp
Jasper, Indiana


We  consent  to the  inclusion  in  the  Registration  Statement  Form  S-4  and
Prospectus of German American Bancorp, relating to the issuance of securities in
the proposed mergers of CSB Bancorp and FSB Financial  Corporation into a wholly
owned  subsidiary  of German  American  Bancorp,  of our  Independent  Auditor's
Report,  dated  February 5, 1998, on the  consolidated  financial  statements of
German  American  Bancorp as of  December  31, 1997 and 1996 and for each of the
three years in the period ended  December 31, 1997, and we consent to the use of
our name and the  statements  with  respect to us  appearing  under the  heading
"Experts" in the Prospectus.


                                              /s/ Crowe, Chizek and Company LLP
                                              Crowe, Chizek and Company LLP

May 4, 1998
Indianapolis, Indiana