EXHIBIT 23





[Letterhead of Deloitte & Touche LLP]

 Deloitte &
 Touche LLP
____________                      _________________________________________
                                  Suite 900        Telephone (313) 396-3000
                                  600 Renaissance Center
                                  Detroit, Michigan  48243-1704




INDEPENDENT AUDITORS' CONSENT


Republic Bancorp Inc.

We consent to the incorporation by reference in Registration Statements No.
33-55336, 33-55304, and 33-62508 on Form S-8 and 33-61842 on Form S-3, of
Republic Bancorp Inc. (Republic) of our report dated June 21, 1996, appearing
in this Annual Report on Form 11-K of the Republic Bancorp Inc. Tax Deferred
Savings Plan for the year ended December 31, 1995.


/s/ Deloitte & Touche LLP
June 21, 1996

_______________
Deloitte Touche
Tohmatsu
International  
_______________