Exhibit 23.1



          CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


We consent to the incorporation by reference in the Registration
Statement of CFS Bancorp, Inc. on Form S-8 (file Number 333-62053)
of our report dated June 13, 2005, of our audit on the financial
statements of Citizens Financial Services, FSB Employees' Savings &
Profit Sharing Plan and Trust for the year ended December 31, 2004,
which report is included in its Annual Report on Form 11-K.



/s/ BKD, LLP



Indianapolis, Indiana
June 27, 2005