1 EXHIBIT 99(e) CONSENT OF AUSTIN ASSOCIATES, INC. We consent to the inclusion in this Registration Statement on Form S-4 of Southern Michigan Bancorp our opinion set forth as Annex E to the proxy statement/prospectus, which is a part of the Registration Statement, and to the reference to our firm and summarization of our opinion in the proxy statement/prospectus under the caption "Opinion of Southern Michigan Bancorp Financial Advisor." /s/ Austin Associates, Inc. Toledo, Ohio June 29, 2000