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 18, 2002, appearing in this Annual Report on Form 11-K of Penn Federal
Savings Bank 401(k) Plan for the year ended June 30, 2002.




Deloitte & Touche LLP
Parsippany, New Jersey
December 23, 2002