Exhibit 23.2
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                          INDEPENDENT AUDITORS' CONSENT


We consent to the use in this Amendment to the Registration Statement of
Colonial Direct Financial Group, Inc. (the "Company") on Form SB-2 of our
Independent Auditors' Report dated May 18, 2000 on the December 31, 1999
consolidated financial statements appearing in the Prospectus, which is part of
this Registration Statement.

We also consent to the reference to us under the heading "Experts" in such
Prospectus.


/s/ Ahearn, Jasco & Company, P.A.
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AHEARN, JASCO & COMPANY, P.A.
Certified Public Accountants

Pompano Beach, Florida
September 11, 2000