EXHIBIT 23.0               CONSENT OF INDEPENDENT AUDITORS

                          INDEPENDENT AUDITORS' CONSENT

         We consent to the incorporation by reference in First Capital, Inc.'s
Registration Statement No. 333-76543 on Form S-8 and in First Capital, Inc.'s
Registration Statement No. 333-95987 on Form S-8 of our report dated January 11,
2002 contained in the annual report for the year ended December 31, 2001
appearing in this Form 10-KSB.


/s/ MONROE SHINE AND CO., INC.

New Albany, Indiana
March 26, 2002