Exhibit 23.2








The Board of Directors
First Federal Savings and Loan Association of Florida:

We consent to the use, in this  Registration  Statement on Form S-1 and on Forms
MHC-1 and MHC-2, of our report dated October 23, 1998, relating to the financial
statements of First Federal Savings and Loan Association of Florida,  and to the
references  to our firm  under  the  heading  "Experts,"  and  elsewhere  in the
Prospectus of FloridaFirst Bancorp.


/s/KPMG Peat Marwick LLP



Tampa, Florida
December 18, 1998