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                                                                    EXHIBIT 23.1


                       CONSENT OF INDEPENDENT ACCOUNTANTS




We hereby consent to the use in this Registration Statement on Form S-1 (File
No. 333-41136) of our report dated February 17, 2000, relating to the
consolidated financial statements of Mutual Insurance Corporation Of America and
Subsidiaries, which appears in such Registration Statement. We also consent to
the reference to us under the heading "Experts" in such Registration Statement
and to the description of our tax opinion and reference to us under the caption
"Material Federal Income Tax Consequences" and "Risk Factors".



PricewaterhouseCoopers LLP

/s/ PricewaterhouseCoopers LLP
------------------------------

Grand Rapids, Michigan
December 7, 2000