EXHIBIT 23.2
 
                         INDEPENDENT AUDITORS' CONSENT
 
We consent to the use in this Amendment No.1 to Registration Statement No.
333-20435 of Hamilton Bancorp Inc., of our report dated January 31, 1997,
appearing in the Prospectus, which is part of such Registration Statement, and
to the reference to us under the headings "Selected Consolidated Financial Data"
and "Experts" in such Prospectus.


DELOITTE & TOUCHE LLP
Miami, Florida
March 4, 1997