EXHIBIT 23.4

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Registration Statement relating to an offering of
common stock of Benjamin Franklin Bancorp, Inc. on Form S-4 of our report dated
February 20, 2004, except for Note 13 as to which the date is September 1, 2004,
relating to the consolidated financial statements of Chart Bank, A Cooperative
Bank as of and for the years ended December 31, 2003 and 2002, appearing in the
Registration Statement, and to the references to us under the headings "Selected
Consolidated Financial Information of Chart Bank" and "Experts" in such
Registration Statement.

/s/ WOLF & COMPANY, P.C.

Boston, Massachusetts
December 23, 2004