EXHIBIT 23




The Board of Directors
CFSB Bancorp, Inc.


We consent to incorporation by reference in the registration (Nos.  33-37440 and
33078164) on Form S-8s of CFSB  Bancorp,  Inc. of our report  dated  January 21,
1997,  relating to the  consolidated  statements of financial  condition of CFSB
Bancorp,  Inc. and subsidiary as of December 31, 1996, and 1995, and the related
consolidated statements of operations,  stockholders' equity, and cash flows for
each of the years in the three-year period ended December 31, 1996, which report
appears in the December 31, 1996,  annual  report on Form 10-K of CFSB  Bancorp,
Inc.



/s/ KPMG Peat Marwick LLP




Lansing, Michigan
March 18, 1997