Exhibit 23(a)

                  CONSENT OF KPMG PEAT MARWICK

BOARD OF DIRECTORS
BANCFLORIDA FINANCIAL CORPORATION

  We consent to the incorporation by reference in the Registration 
Statement on Form S-3 of BancFlorida Financial Corporation and in the 
Prospectus/Proxy Statement attached to the Prospectus as Appendix I of our 
report on the consolidated financial statements included in the 1993 Annual 
Report to Stockholders which is incorporated by reference in the 1993 Form 
10-K of BancFlorida Financial Corporation and to the reference to our firm 
under the heading "Experts" in the Prospectus and in the Prospectus/Proxy 
Statement attached to the Prospectus as Appendix I.



                                            KPMG PEAT MARWICK


Tampa, Florida
May 3, 1994