1 EXHIBIT 23 CONSENT OF INDEPENDENT AUDITORS We consent to the incorporation by reference in the Registration Statement (Form S-8 No. 33-56464) pertaining to the CoBancorp Inc. 1992 Long-Term Incentive Plan of our report dated January 21, 1997, with respect to the consolidated financial statements of CoBancorp Inc. incorporated by reference in the Annual Report (Form 10-K) for the year ended December 31, 1996. Ernst & Young, LLP Cleveland, Ohio March 24, 1997