EXHIBIT 23.3
                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS




We consent to the incorporation in this Amendment No. 1 to the Registration
Statement of Old Florida Bankshares, Inc. on Form S-4 of our report dated
January 8, 2003 with respect to the consolidated financial statements of Old
Florida Bankshares, Inc. included in the proxy statement/prospectus. We also
consent to the reference to our firm under the heading "Experts" in the proxy
statement/prospectus, which is part of this Registration Statement.




                                           / s / Hacker, Johnson & Smith PA


Tampa, Florida
APRIL 29, 2003