CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

     We hereby  consent to the  incorporation  by reference  into the previously
filed  Registration  Statement  on Form  S-8 (No.  333-39897)  of  Little  Falls
Bancorp,  Inc. (the "Company") of our report dated January 22, 1999,  except for
the last two  paragraphs  of Note 2, as to which the date is January  26,  1999,
included in the Company's Annual Report on Form 10-K for the year ended December
31, 1998.



                                             /s/Radics & Co., LLC
                                             -----------------------------------
                                             Radics & Co., LLC

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Pine Brook, New Jersey
March 22, 1999