EXHIBIT 99.1


                         [PULASKI FINANCIAL CORP. LOGO]



FOR IMMEDIATE RELEASE

               PULASKI FINANCIAL TO HOST Q4 & FISCAL 2004 RESULTS
                            CONFERENCE CALL & WEBCAST


ST. LOUIS, OCTOBER 21, 2004--Pulaski Financial Corp. (Nasdaq: PULB), parent of
Pulaski Bank, will host its fourth-quarter and fiscal 2004 results conference
call on Wednesday, October 27, at 11 a.m. EDT. Results are scheduled be released
before the market opens that day.

         AUDIO
         Dial in number: (201) 689-8359
         Note: Participants should dial in few minutes prior to start time.

         WEBCAST
         Website link: http://www.viavid.net/detailpage.aspx?sid=00001FC1
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         Live then archived for 3 months

         REPLAY
         Dial in number: (201) 612-7415
         Account: 3055
         Conference ID: 122161
         Available until November 10, 2004


Pulaski Financial Corp., operating in its 83rd year through its subsidiary,
Pulaski Bank, serves customers throughout the St. Louis and Kansas City
metropolitan areas. The bank offers a full line of quality retail-banking
products through seven full-service banks. The company's website can be accessed
at www.pulaskibankstl.com. Visit the shareholder information page for useful and
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comparative data.

For Additional Information Contact:

William A. Donius, President & CEO              Karl Plath or Brien Gately
Pulaski Financial Corp.                         The Investor Relations Company
(314) 878-2210 Ext. 3610                        (847) 296-4200