Exhibit 23 (d)

               Consent of Independent Accountants


We  hereby  consent  to the incorporation  by  reference  to  the
Registration  Statements on Form S-3 (Nos. 333-29433,  333-47534,
333-87573  and 333-20023) of Old National Bancorp of  our  report
dated January 18, 2000 appearing in this Form 10-K.




Heathcott & Mullaly, P.C.

Brentwood, Tennessee
March 7, 2001