EXHIBIT 23.1

                         Consent of Independent Auditors

We consent to the incorporation by reference in this  Registration  Statement of
German American  Bancorp on Form S-4 of our report,  dated February 11, 2000, on
the consolidated  financial statements of German American Bancorp as of December
31, 1999 and 1998 and for each of the three years in the period  ended  December
31, 1999,  which  report is  incorporated  by  reference in the German  American
Bancorp Annual Report on Form 10-K for the period ended December 31, 1999.


                                       /s/ Crowe, Chizek and Company LLP

                                       Crowe, Chizek and Company LLP


August 7, 2000
Indianapolis, Indiana