X0101 42003-05-16 0000830257 BSB BANCORP INC BSBN0001083336 DECKER REXFORD C 0100Senior VP and CFOCommon Stock2003-05-164M0225010.1666A11428DJt. Ten w/ SpouseIncentive Stock Option-Right-to-Buy10.16662003-05-164M022500D1995-03-282004-03-28Common22500DIndividual also reports direct holdings of 300 shares held individually, 298 shares held individually in 401(k) Plan account, and indirect holdings of 300 shares held as custodian for each of two sons.Option subject to vesting at 25% of total annually beginning 3/28/95.Larry G. Denniston, Attorney-in-fact2003-05-16