Exhibit 23.3 [LETTERHEAD OF RP FINANCIAL, LC.] March 19, 2003 Board of Directors Jefferson Bancshares, M.H.C. Jefferson Federal Savings and Loan Association 120 Evans Avenue Morristown, Tennessee 37814 Members of the Boards: We hereby consent to the use of our firm's name in the Form AC Application for Conversion, the Form H-(e)1-s holding company application, and in the Form S-1 Registration Statement for Jefferson Bancshares, Inc., in each case as amended and supplemented. Sincerely, Sincerely, RP FINANCIAL, LC. /s/ RP Financial, LC.