Exhibit 23.5

                          CONSENT OF FINANCIAL ADVISOR

We consent to the use in this Registration statement of Old Florida Bancshares,
Inc. on Form S-4 of our opinion related to Marine Bancshares, Inc. included in
the Proxy Statement/ Prospectus to such Registration Statement at Appendix D and
to the reference to our firm and summarization of our opinion in the proxy
statement/prospectus under the caption " The Merger -Fairness Opinion of
Marine's Financial Advisor".

T. Stephen Johnson & Associates, Inc.

March 17, 2003