1 EXHIBIT 23.1 [CROWE CHIZEK LETTERHEAD] CONSENT OF INDEPENDENT AUDITORS We consent to the incorporation by reference in the Registration Statement of Commercial National Financial Corporation on Form S-8, of our report dated February 6, 1998 on the consolidated financial statements of Commercial National Financial Corporation, which report is included in the 1997 Annual Report on Form 10-K of Commercial National Financial Corporation. /s/ Crowe, Chizek and Company LLP Crowe, Chizek and Company LLP South Bend, Indiana December 4, 1998 119