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 14, 1998,  appearing in this Annual Report on Form 11-K of Penn Federal
Savings Bank 401(k) Plan for the year ended June 30, 1998.



Deloitte & Touche LLP
Parsippany, New Jersey
December 21, 1998