CONSENT OF INDEPENDENT AUDITORS



We consent to the  incorporation  by reference  in  Registration  Statement  No.
333-81839  of German  American  Bancorp on Form S-8 of our report  dated May 25,
2000 incorporated on Form 11-K of the German American Bancorp Employees' Profit
Sharing Plan for the year ended December 31, 1999.




                                /s/ Crowe, Chizek and Company LLP
                              --------------------------------------------------
                              Crowe, Chizek and Company LLP


South Bend, Indiana
June 23, 2000