EXHIBIT 23.1(d)




            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.


(BKD, LLP SIGNATURE)

/ s / BKD, LLP

Indianapolis, Indiana
August 1, 2005