EXHIBIT 23

                        CONSENT OF INDEPENDENT ACCOUTANTS

     We hereby  consent to the  incorporation  by reference in the  Registration
Statements on Form S-3 (Nos. 33-34316 and 33-44370),  the Registration Statement
on Form S-4  (Registration  No. 33-2551) and the Registration  Statement on Form
S-8  (Registration  No.  333-39982)  and, of our report  dated  January 29, 2001
relating to the financial statements, which appears in the 2000 Annual Report to
Shareholders,  which is incorporated in this Annual Report on Form 10-K. We also
consent to the  incorporation  by reference of our report dated January 29, 2001
relating to the financial statement schedule, which appears in this Form 10-K.

/s/ PricewaterhouseCoopers LLP

PricewaterhouseCoopers LLP
Dayton, Ohio
March 30, 2001


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