EXHIBIT 23

                          INDEPENDENT AUDITOR'S 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,  Registration  Statement No.  333-20499 of PennFed  Financial
Services,  Inc. on Form S-3 and Registration  Statement No. 333-36031 of PennFed
Capital Trust I on Form S-2 of our report dated July 28, 1999, appearing in this
Annual  Report on Form 10-K of PennFed  Financial  Services,  Inc.  for the year
ended June 30, 1999.




/s/Deloitte & Touche LLP
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Deloitte & Touche LLP
Parsippany, New Jersey
September 23, 1999