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                                                                    EXHIBIT 23.3



                       CONSENT OF INDEPENDENT ACCOUNTANTS

We consent to the reference to our firm under the caption "Experts" in the
Registration Statement (Form S-8 No. 333-__) pertaining to the Thrift
Management, Inc. 1996 Stock Option Plan and to the incorporation by reference
therein of our report dated March 25, 1998, with respect to the consolidated
financial statements of Thrift Management, Inc. included in its Annual Report
(Form 10-KSB) for the year ended December 31, 1997, filed with the Securities
and Exchange Commission.

/s/      Berkowitz Dick Pollack & Brant LLP
         Miami, Florida
         October 20, 1998