EXHIBIT 23.2

                         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 January 13, 1998, on the consolidated  financial statements of FSB
Financial  Corporation as of September 30, 1997 and for the year then ended, 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