EXHIBIT 23.1
                                                                    ------------

                         CONSENT OF INDEPENDENT AUDITORS

         We consent to the reference to our firm under the caption "Experts" in
the Post-Effective Amendment No. 1 to the Registration Statement on Form S-3 and
related Prospectus of Horizon Bancorp for the registration of 200,000 shares of
its common stock and to the incorporation by reference therein of our report
dated January 31, 2003, relating to the consolidated financial statements of
Horizon Bancorp included in its Annual Report on Form 10-K for the year ended
December 31, 2002, as filed with the Securities and Exchange Commission.


/s/ BKD, LLP

BKD, LLP

Fort Wayne, Indiana
July 16, 2003



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