SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549
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                                   FORM 8-K/A
                               (Amendment No. 1)

                                 CURRENT REPORT

                       PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934


       Date of report (Date of earliest event reported): FEBRUARY 12, 2003
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                               BCSB BANKCORP, INC.
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       (Exact Name of Registrant as Specified in Charter)


            UNITED STATES                    0-24589              52-2108333
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    (State or Other Jurisdiction of       (Commission         (I.R.S. Employer
    Incorporation or Organization)        File Number)       Identification No.)



4111 E. JOPPA ROAD, SUITE 300, BALTIMORE, MARYLAND                   21236
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(Address of Principal Executive Offices)                             (Zip Code)

       Registrant's telephone number, including area code: (410) 256-5000
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                                 NOT APPLICABLE
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          (Former Name or Former Address, if Changed Since Last Report)



EXPLANATORY NOTE:

     This Form 8-K/A is being filed to correct an error in Item 5 to the Current
Report on Form 8-K of BCSB  Bankcorp,  Inc. (the  "Company")  dated February 12,
2003.  This Form 8-K/A clarifies that the Company's press release dated February
12, 2003  reported the  Company's  unaudited  financial  results for the quarter
ended December 31, 2002 and not the unaudited  financial results for the quarter
and year ended December 31, 2002 as had previously been incorrectly stated.

ITEM 5.  OTHER EVENTS AND REQUIRED FD DISCLOSURE
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     On February 12, 2003, BCSB Bankcorp,  Inc. (the  "Company")  issued a press
release  announcing  its  unaudited  financial  results  for the  quarter  ended
December 31, 2002.

     A copy of the press release is attached to this Report as an exhibit and is
incorporated herein by reference.



ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
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(a)  Not applicable


(b)  Not applicable


(c)  The following exhibit is filed herewith:


     Exhibit 99.1          Press Release dated February 12, 2003






                                   SIGNATURES


     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.


                                           BCSB BANKCORP, INC.
                                           ------------------------------------
                                           (Registrant)


Date:  February 28, 2003                   By:/s/ Gary C. Loraditch
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                                              Gary C. Loraditch
                                              President




                                  EXHIBIT INDEX


         EXHIBIT NO.                   DESCRIPTION
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           99.1                        Press Release dated February 12, 2003