1



                                                                    EXHIBIT 23.1


INDEPENDENT AUDITOR'S CONSENT


We consent to the incorporation by reference in this Registration Statement of 
Hamilton Bancorp Inc. on Form S-3 of our report dated January 30, 1998, 
appearing in the Annual Report on Form 10-K of Hamilton Bancorp Inc. for the 
year ended December 31, 1997 and to the reference to us under the heading 
"Experts" in the Prospectus, which is part of this Registration Statement.


/s/ Deloitte & Touche LLP

Miami, Florida 
December 4, 1998