EXHIBIT 23.2            Accountants' Consent


The Board of Directors
Marco Community Bancorp, Inc.
Marco Island, Florida

We consent to the use of our report dated  February 21, 2003 (except for Note 6,
as to which  the date is April 7,  2003),  related  to the  balance  sheet as of
January  31,  2003,  and  the  related  statements  of  operations,  changes  in
stockholders'  deficit  and cash flows for the period from June 1, 2002 (date of
inception) to January 31, 2003,  and to the use of our name under the caption of
"Experts,"  in Form SB-2 of Marco  Community  Bancorp,  Inc. and any  amendments
thereto, as filed with the Securities and Exchange Commission.


/s/ Hacker, Johnson & Smith PA
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HACKER, JOHNSON & SMITH PA
Tampa, Florida
April 23, 2003