EXHIBIT 23.1


The Board of Directors
UnionBancorp, Inc.
Ottawa, Illinois


We consent to the  incorporation  by reference in  Registration  Statement No.
333-16359 on Form S-8 of  UnionBancorp,  Inc. of our report dated  January 23,
2004  appearing in this Annual Report on Form 10-K of  UnionBancorp,  Inc. for
the year ended December 31, 2003.



                                    /s/ CROWE CHIZEK AND COMPANY LLC
                                    --------------------------------------------
                                    Crowe, Chizek and Company LLC

Oak Brook, Illinois
March 24, 2004