EXHIBIT 23.4

INDEPENDENT AUDITORS' CONSENT

We consent to the use in Pre-Effective Amendment No. 2 of this Registration
Statement on Form S-1, relating to an offering of common stock of Benjamin
Franklin Bancorp, Inc., of our report dated February 20, 2004, except for Note
13 as to which the date is September 1, 2004, relating to the consolidated
financial statements of Chart Bank, A Cooperative Bank 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 Chart Bank" and "Experts" in such Registration Statement.

WOLF & COMPANY, P.C.

Boston, Massachusetts
February 8, 2005