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                                                                      EXHIBIT 23


                       CONSENT OF INDEPENDENT ACCOUNTANTS

We consent to the incorporation by reference in the registration statement of
Bancinsurance Corporation's 1984 Stock Option Plan and the 1994 Stock Option
Plan on Form S-8 of our report dated March 13, 2000, on our audits of the
consolidated financial statements of Bancinsurance Corporation as of December
31, 1999 and 1998 and for the years ended December 31 1999, 1998 and 1997 which
report is incorporated by reference in this Annual Report on Form 10-K and our
report dated March 13, 2000 on the financial statement schedules of
Bancinsurance Corporation as of December 31, 1999 and 1998 and for the years
ended December 31, 1999, 1998 and 1997, included in this Annual Report on Form
10-K.


/s/PricewaterhouseCoopers LLP


Columbus, Ohio
March 13, 2000