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                                                                    EXHIBIT 23.3



                       CONSENT OF AUSTIN ASSOCIATES, INC.


     We hereby consent to the inclusion of our opinion letter to the Board of
Directors of Capital Holdings, Inc. as Annex B to the joint Proxy
Statement/Prospectus relating to the proposed merger of Capital Holdings, Inc.
with and into Fifth Third Bancorp contained in the Registration Statement on
Form S-4 and to the references to our firm and such opinion in such joint Proxy
Statement/Prospectus.  In giving such consent, we do not admit that we come
within the category of persons whose consent is required under Section 7 of the
Securities Act of 1933, as amended, or the rules and regulations of the
Securities and Exchange Commission thereunder, nor do we admit that we are
experts with respect to any part of such Registration Statement within the
meaning of the term "experts" as used in the Securities Act or the Regulations.




December 14, 2000                       /s/ Austin Associates, Inc.