WCB HOLDING CORP
S-4/A, EX-23.7, 2000-10-16
ELECTRIC SERVICES
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                                                                    EXHIBIT 23.7


                     CONSENT OF J.P. MORGAN SECURITIES INC.



    We consent to the use in this registration statement of WCB Holding Co. on
Amendment No. 1 to the registration statement on form S-4 our fairness opinion
dated July 30, 2000 appearing in the joint proxy statement/prospectus which is
part of this registration statement.


    In giving such consent, we do not admit that we come within the category of
persons whose consent is required under Section 7 of the Securities Act of 1933,
as amended, or the rules and regulations of the Securities and Exchange
Commission thereunder, nor do we hereby admit that we are experts with respect
to any part of such Registration Statement within the meaning of the term
"experts" as used in the Securities Act of 1933, as amended, or the rules and
regulations of the Securities and Exchange Commission thereunder.

                                        /s/ J.P. Morgan Securities Inc.
                                        ----------------------------------------

                                        J.P. Morgan Securities Inc.


October 13, 2000



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