EXHIBIT 23

                         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 5, 2003 except for
Notes N and Q, as to which the date is February 17, 2003, on the consolidated
financial statements of Southern Michigan Bancorp, Inc., which report is
included in the 2002 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 26, 2003




                                      E-23