EXHIBIT 23.3

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM'S CONSENT

We consent to the use in this Registration Statement on Form S-4 of our report
dated February 27, 2004, except for Note 17 as to which the date is October 28,
2004, with respect to the consolidated financial statements of Benjamin Franklin
Bancorp, Inc. 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 Benjamin Franklin
Bancorp" and "Experts" in such Registration Statement.

/s/ WOLF & COMPANY, P.C.

Boston, Massachusetts
December 23, 2004