EX-23.2



The Board of Directors
First Federal Florida:

We consent to the use in this  Registration  Statement on Form S-1 Pre-Effective
Amendment  No. 2 and on Forms MHC-1 and MHC-2,  as amended,  of our report dated
October 23, 1998, relating to the financial statements of First Federal Florida
(formerly  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 LLP


Tampa, Florida
February 12, 1999