EXHIBIT 23



               [MILLER, MAYER, SULLIVAN & STEVENS LLP LETTERHEAD]
                          CERTIFIED PUBLIC ACCOUNTANTS
                     "INNOVATORS OF SOLUTION TECHNOLOGY"SM

                          INDEPENDENT AUDITORS' REPORT



The Board of Directors
Harrodsburg First Financial Bancorp, Inc.

We consent to  incorporation  by reference in the  registration  statement  (No.
0-26570) on Form S- 8 of Harrodsburg First Financial Bancorp, Inc. of our report
dated  November  29,  1999,  relating  to the  consolidated  balance  sheets  of
Harrodsburg  First  Financial  Bancorp,  Inc. and subsidiary as of September 30,
1999 and 1998, and the related consolidated statements of income,  stockholders'
equity,  and cash  flows for each of the years in the  three-year  period  ended
September 30, 1999,  which report is  incorporated by reference in the September
30, 1999 annual report on Form 10-K of Harrodsburg First Financial Bancorp, Inc.


/s/ Miller, Mayer, Sullivan, & Stevens, LLP

Lexington, Kentucky
December 8, 1999