Exhibit 22

CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

We hereby consent to the incorporation by reference in the Form S-8 Registration Statement No. 333-914511 of Republic Bancorp, Inc., of our report dated January 10, 2003 on the consolidated financial statements of Republic Bancorp, Inc. as of December 31, 2002 and 2001 and for each of the three years in the period ended December 31, 2002 as included in the registrant’s annual report on Form 10-K.

Crowe, Chizek and Company LLP

Louisville, Kentucky

March 10, 2003