Consent of Independent Auditors


We consent to the  incorporation by reference in this  Post-Effective  Amendment
No. 3 to  Registration  Statement  on Form S-8 of Indiana  United  Bancorp  (No.
33-45395) of our report,  dated January 30, 2002, on the consolidated  financial
statements  of Indiana  United  Bancorp as of December 31, 2001 and 2000 and for
each of the three years in the period ended  December  31, 2001  included in the
Annual Report on Form 10-K.

We also  consent  to the  incorporation  by  reference  in  this  Post-Effective
Amendment No. 3 to Registration  Statement on Form S-8 of Indiana United Bancorp
(No.  33-45395)  of our report  dated  April 26, 2001 on the  December  31, 2000
financial  statements of the Indiana United  Bancorp 401(k) and Retirement  Plan
(formerly  known as the Indiana  United  Bancorp  401(k)  Plan)  included in the
Annual Report on Form 11-K.


                                         /s/ Crowe, Chizek and Company LLP

                                         Crowe, Chizek and Company LLP

April 1, 2002
Indianapolis, Indiana