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 10, 1999,  appearing in this Annual Report on Form 11-K of Penn Federal
Savings Bank 401(k) Plan for the year ended June 30, 1999.





/s/Deloitte & Touche LLP
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Deloitte & Touche LLP
Parsippany, New Jersey
December 21, 1999