EXHIBIT 23.3

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM'S CONSENT

We consent to the use in Pre-Effective Amendment No. 1 of this Registration
Statement on Form S-1 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
January 21, 2005