EXHIBIT 23B


                       CONSENT OF INDEPENDENT ACCOUNTANTS

   We hereby consent to the incorporation by reference in this Registration
   Statement on Form S-8  of Mobile America Corporation of our report dated
   March 27, 1998, relating to the consolidated balance sheets of Mobile
   America Corporation and subsidiaries as of December 31, 1997 and 1996 and
   the related consolidated statements of operating changes in stockholders'
   equity and cash flows for each of the three years in the period ended
   December 31, 1998, and all related schedules, which report appears in the
   December 31, 1997 which appears in the annual report on Form 10-K of
   Mobile America Corporation.



   Cherry, Bekaert & Holland L.L.P.

   Certified Public Accountants
   Orlando, Florida


   June 30, 1998