1 EXHIBIT 23 [CROWE CHIZEK LOGO] CONSENT OF INDEPENDENT AUDITORS We consent to the incorporation by reference in the Registration Statements of Southern Michigan Bancorp, Inc. on Form S-3 (Registration No. 33-24977 and Registration No. 333-51417), of our report dated February 8, 2001 on the consolidated financial statements of Southern Michigan Bancorp, Inc., which report is included in the 2000 Annual Report on Form 10-K of Southern Michigan Bancorp, Inc. /s/ Crowe, Chizek and Company LLP ------------------------------------------ Crowe, Chizek and Company LLP South Bend, Indiana March 23, 2001