SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                    FORM 8-K


                                 CURRENT REPORT



                         Pursuant to Section 13 or 15(d)
                                       of
                       the Securities Exchange Act of 1934


                        Date of Report: January 23, 1998



                        BankUnited Financial Corporation
              ----------------------------------------------------
             (Exact name of Registrant as specified in its charter)



    Florida                      5-43936                         65-0377773
---------------           ---------------------              ------------------
(State or other          (Commission File Number)               (IRS Employer
jurisdiction of                                              Identification No.)
incorporation)


                255 Alhambra Circle, Coral Gables, Florida 33134
                ------------------------------------------------
               (Address of principal executive offices) (ZIP Code)


       Registrant's telephone number, including area code: (305) 569-2000

<PAGE>

Item 5.           Other Events.

                  Attached hereto as Exhibit 20.1 is a press release regarding
                  the completion of BankUnited Financial Corporation's
                  acquisition of Consumers Bancorp, Inc.


<PAGE>

                                    SIGNATURE


         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned, hereunto duly authorized.

                                      BANKUNITED FINANCIAL CORPORATION




                                      By: /s/ Samuel A. Milne
                                          -------------------------------------
                                            Samuel A. Milne
                                               Executive Vice President and
                                               Chief Financial Officer

Dated: February 3, 1998

<PAGE>
<TABLE>
<CAPTION>

                        BANKUNITED FINANCIAL CORPORATION

                                    FORM 8-K

                                INDEX TO EXHIBITS


                                                                                                       Sequentially
Exhibit                                                                                                  Numbered
  No.                                                                                                     Page
-------                                                                                               -------------
<S>            <C>                                                                                    <C>

 20.1          Press Release regarding the completion of BankUnited Financial
               Corporation's acquisition of Consumers Bancorp, Inc.
</TABLE>
[{"type": "8-K", "sequence": "1", "secsgml_size_bytes": 3060}]
{"company-data": {"conformed-name": "BANKUNITED FINANCIAL CORP", "cik": "0000894490", "assigned-sic": "6035", "irs-number": "650377773", "state-of-incorporation": "FL", "fiscal-year-end": "0930"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-21850", "film-number": "98519998"}, "business-address": {"street1": "255 ALHAMBRA CIRCLE", "city": "CORAL GABLES", "state": "FL", "zip": "33134", "phone": "3055692000"}, "mail-address": {"street1": "255 ALHAMBRA CIRCLE", "city": "CORAL GABLES", "state": "FL", "zip": "33134"}}
SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                         Pursuant to Section 13 or 15(d)
                                       of
                       the Securities Exchange Act of 1934

                        Date of Report: January 23, 1998

                        BankUnited Financial Corporation
              ----------------------------------------------------
             (Exact name of Registrant as specified in its charter)

    Florida                      5-43936                         65-0377773
---------------           ---------------------              ------------------
(State or other          (Commission File Number)               (IRS Employer
jurisdiction of                                              Identification No.)
incorporation)

                255 Alhambra Circle, Coral Gables, Florida 33134
                ------------------------------------------------
               (Address of principal executive offices) (ZIP Code)

       Registrant's telephone number, including area code: (305) 569-2000
Item 5.           Other Events.

                  Attached hereto as Exhibit 20.1 is a press release regarding
                  the completion of BankUnited Financial Corporation's
                  acquisition of Consumers Bancorp, Inc.
SIGNATURE

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned, hereunto duly authorized.

                                      BANKUNITED FINANCIAL CORPORATION

                                      By: /s/ Samuel A. Milne
                                          -------------------------------------
                                            Samuel A. Milne
                                               Executive Vice President and
                                               Chief Financial Officer

Dated: February 3, 1998
BANKUNITED FINANCIAL CORPORATION

                                    FORM 8-K

                                INDEX TO EXHIBITS

                                                                                                       Sequentially
Exhibit                                                                                                  Numbered
  No.                                                                                                     Page
-------                                                                                               -------------
20.1          Press Release regarding the completion of BankUnited Financial
               Corporation's acquisition of Consumers Bancorp, Inc.