1 EXHIBIT 23 INDEPENDENT AUDITORS' CONSENT We consent to the incorporation by reference in Registration Statement No. 33-56550 of CitFed Bancorp, Inc. on Form S-8 of our report dated January 17, 1997 appearing in the Annual Report on Form 11-K of the Citizens Federal Bank, F.S.B. and Related Companies Savings and Investment 401(k) Plan for the year ended August 31, 1996. DELOITTE & TOUCHE LLP February 14, 1997 Dayton, Ohio