EXHIBIT 23(II)







                              CONSENT OF ATTORNEYS


         The undersigned are named as the attorneys for R J LENDING, INC. (the
"Registrant") in the Prospectus which is a part of the Registration Statement
on Form SB-2 of the Registrant filed under the Securities Act of 1933, as
amended. The undersigned consents to the reference to the undersigned in the
Prospectus.



                                             /s/  WILLIAM T. KIRTLEY, P.A.
                                             ----------------------------------
                                             WILLIAM T. KIRTLEY, P.A.



Sarasota, Florida
August 11, 2002