EXHIBIT 23



                         Consent of Independent Auditors

We consent to the incorporation by reference in (1) the Registration Statement
(Form S-8 No. 33-55336) pertaining to the Republic Bancorp Inc. Tax Deferred
Savings Plan; (2) the Registration Statement (Form S-8 No. 333-84842) pertaining
to the Republic Bancorp Inc. Tax Deferred Savings Plan; (3) the Registration
Statement (Form S-8 No. 33-55304) pertaining to the Republic Bancorp Inc.
Non-Qualified Stock Option Plan; (4) the Registration Statement (Form S-8 No.
33-62508 pertaining to the Republic Bancorp Inc. Directors Compensation Plan;
(5) the Registration Statement (Form S-8 No. 333-26515) pertaining to the
Republic Bancorp Inc. 1997 Stock Option Plan; (6) the Registration Statement
(Form S-8 No. 333-57636) pertaining to the Republic Bancorp Inc. 1998 Stock
Option Plan; (7) the Registration Statement (Form S-8 No. 333-83267) pertaining
to the D&N Financial Corporation 1984 Stock Option and Incentive Plan; and (8)
the Registration Statement (Form S-8 No. 333-83265) pertaining to the D&N
Financial Corporation 1994 Management Stock Incentive Plan in the related
Prospectuses of our report dated January 13, 2003 with respect to the
consolidated financial statements of Republic Bancorp Inc. included in the
Annual Report (Form 10-K) for the year ended December 31, 2002.

/s/ Ernst & Young LLP

Detroit, Michigan
March 19, 2003