[ANDERSON ASSOCIATES, LLP LETTERHEAD]



     We consent to the incorporation by reference in the registration statements
of BCSB Bankcorp,  Inc. on Form S-8 (File No. 333-53295,  File No. 333-85025 and
File No.  333-87932)  of our report dated  December 5, 2003 on our audits of the
consolidated  financial  statements of BCSB  Bankcorp,  Inc. as of September 30,
2003 and 2002,  and for each of the two years in the period ended  September 30,
2003, which report has been  incorporated by reference in BCSB Bankcorp,  Inc.'s
Annual  Report on Form 10-K for  the  year ended  September  30, 2003 filed with
the Securities and Exchange  Commission  pursuant to the Securities Exchange Act
of 1934.


                                      /s/ Anderson Associates, LLP



Baltimore, Maryland
December 29, 2003