EXHIBIT 23.4

                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


We consent to the use in this Amendment No. 3 to the Registration Statement of
Old Florida Bankshares, Inc. on Form S-4 of our report dated January 24, 2003,
with respect to the consolidated financial statements of Marine Bancshares, 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/ Porter Keadle Moore LLP


Atlanta, Georgia
June 18, 2003