EXHIBIT 23

                          INDEPENDENT AUDITORS' CONSENT

We consent to the  incorporation  by reference in  Registration  Statements Nos.
33-90820,  33-90822, 333-42685 and 333-47591 of PennFed Financial Services, Inc.
on Forms S-8, and  Registration  Statement  No.  333-20499 of PennFed  Financial
Services,  Inc. on Form S-3 of our report  dated July 29,  2003,  (which  report
expresses an unqualified  opinion and includes an explanatory  paragraph related
to the  adoption  of FASB  Interpretation  No. 46,  "Consolidation  of  Variable
Interest  Entities")  appearing  in this  Annual  Report on Form 10-K of PennFed
Financial Services, Inc. for the year ended June 30, 2003.

Deloitte & Touche LLP
Parsippany, New Jersey
September 19, 2003