EXHIBIT 23.3

               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


         As independent certified public accountants, we hereby consent to the
incorporation by reference in this Registration Statement on Form S-8 of
American Risk Management Group, Inc. (the "Company") of our report dated
September 28, 1998 included in the Company's Annual Report on Form 10-KSB.

SWEENEY, GATES & CO.

Fort Lauderdale, Florida
October 18, 1999