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                                  EXHIBIT 23(b)

                       CONSENT OF INDEPENDENT ACCOUNTANTS



We hereby consent to the We hereby consent to the incorporation by reference in
the Registration Statement on Form S-8 of the 1984 Stock Option Plan and the
1994 Stock Option Plan of Bancinsurance Corporation of our report dated March
13, 2000 relating to the financial statements, which appear in this Annual
Report on Form 10-K. We also consent to the incorporation by reference of our
report dated March 13, 2000 relating to the financial statement schedules, which
appears in this Form 10-K.

/s/PricewaterhouseCoopers LLP

Columbus, Ohio
March 16, 2001


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                        REPORT OF INDEPENDENT ACCOUNTANTS

To the Board of Directors and Shareholders
of Bancinsurance Corporation:


In our opinion, the consolidated balance sheet as of December 31, 1999 and the
related consolidated statements of income, comprehensive income, of cash flows
and of changes in shareholders' equity for each of the two years in the period
ended December 31, 1999 (appearing on pages 4 through 23 of the Bancinsurance
Corporation 2000 Annual Report to Shareholders which has been incorporated by
reference in this Form 10-K) present fairly, in all material respects, the
financial position, results of operations and cash flows for Bancinsurance
Corporation and its subsidiaries at December 31, 1999, in conformity with
accounting principles generally accepted in the United States of America. These
financial statements are the responsibility of the Company's management; our
responsibility is to express an opinion on these financial statements based on
our audits. We conducted our audits of these statements in accordance with
auditing standards generally accepted in the United States of America which
require that we plan and perform the audit to obtain reasonable assurance about
whether the financial statements are free of material misstatement. An audit
includes examining, on a test basis, evidence supporting the amounts and
disclosures in the financial statements, assessing the accounting principles
used and significant estimates made by management, and evaluating the overall
financial statement presentation. We believe that our audits provide a
reasonable basis for the opinion expressed above. We have not audited the
consolidated financial statements of Bancinsurance Corporation for any period
subsequent to December 31, 1999.

/s/PricewaterhouseCoopers LLP

March 13, 2000




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                        Report of Independent Accountants
                        On Financial Statement Schedules

To the Board of Directors and Shareholders
of Bancinsurance Corporation:




Our audit of the consolidated financial statements referred to in our report
dated March 13, 2000 appearing in Exhibit 23(a) in this Annual Report on Form
10-K also included an audit of the financial statement schedules as of December
31, 1999 and for each of the two years in the period ended December 31, 1999
listed in Item 14(a)(2) of this Form 10-K. In our opinion, these financial
statement schedules present fairly in all material respects, the information set
forth therein when read in conjunction with the related consolidated financial
statements. We have not audited the financial statement schedules of
Bancinsurance Corporation for any period subsequent to December 31, 1999.

/s/PricewaterhouseCoopers LLP

March 13, 2000