Consent of Independent Auditors




Board of Directors
German American Bancorp
Jasper, Indiana



We consent to the  incorporation by reference in the  Registration  Statement on
Form S-3 of German American Bancorp,  relating to the Dividend  Reinvestment and
Stock Purchase Plan which is included by reference as an Exhibit in the December
31, 1998 Form 10-K, of our  Independent  Auditor's  Report,  dated  February 11,
1999, on the consolidated  financial statements of German American Bancorp as of
December  31, 1998 and 1997 and for each of the three years in the period  ended
December 31, 1998.


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


March 26, 1999
Indianapolis, Indiana