EXHIBIT 23



                            [LETTERHEAD OF KPMG LLP]


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 19,
1999, except as to note 23, which is as of February 24, 1999, relating to the
consolidated statements of financial condition of CFSB Bancorp, Inc. and
subsidiary as of December 31, 1998 and 1997, 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, 1998, which report appears in
the December 31, 1998, Annual Report on Form 10-K of CFSB Bancorp, Inc.



                              /s/ KPMG LLP



March 18, 1999