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                                                                     EXHIBIT 23
                                                                     ----------


                       CONSENT OF INDEPENDENT AUDITORS


We hereby consent to the incorporation by reference and use of our report, dated
February 27, 1998, on the consolidated financial statements of Capital
Directions, Inc. which appears on page 10 of Capital Directions, Inc.'s 1997
Annual Report to Shareholders and is incorporated by reference in Capital
Directions, Inc.'s Annual Report on Form 10-K for the year ended December 31,
1997, in the registration statement on Form S-8 for the Capital Directions,
Inc. Incentive Stock Option Plan.

                                   /s/ Crowe, Chizek and Company LLP
                                       Crowe, Chizek and Company LLP

Grand Rapids, Michigan
March 26, 1998