EXHIBIT 23.2

                               CONSENT OF KPMG LLP






The Board of Directors
FloridaFirst Bancorp


         We consent to incorporation by reference in the registration  statement
on Form S-8 of  FloridaFirst  Bancorp and subsidiary of our report dated October
28, 1999,  relating to the  consolidated  statements  of financial  condition of
FloridaFirst  Bancorp and  subsidiary as of September 30, 1999 and 1998, and the
related   consolidated   statements  of  earnings,   stockholders'   equity  and
comprehensive  income,  and cash  flows for each of the years in the  three-year
period ended September 30, 1999,  which report appears in the September 30, 1999
annual report on Form 10-K of FloridaFirst Bancorp.





/s/KPMG LLP

Tampa, Florida
January 21, 2000