EXHIBIT 23.3

                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


We consent to the incorporation in this Amendment No. 2 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
June 3, 2003