EXHIBIT 23



INDEPENDENT AUDITORS' CONSENT


We consent to the  incorporation  by reference  in  Registration  Statement  No.
333-47591 of PennFed  Financial  Services,  Inc. on Form S-8 of our report dated
December 20, 2000,  appearing in this Annual Report on Form 11-K of Penn Federal
Savings Bank 401(k) Plan for the year ended June 30, 2000.




Deloitte & Touche LLP
Parsippany, New Jersey
December 22, 2000