<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>5
<FILENAME>exhibit23.txt
<TEXT>


                                                                      EXHIBIT 23


                          INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in Registration Statements Nos.
33-90820, 33-90822, 333-42685 and 333-47591 of PennFed Financial Services, Inc.
on Forms S-8 and Registration Statement No. 333-20499 of PennFed Financial
Services, Inc. on Form S-3 of our report dated July 26, 2002, appearing in this
Annual Report on Form 10-K of PennFed Financial Services, Inc. for the year
ended June 30, 2002.


Deloitte & Touche LLP
Parsippany, New Jersey
September 19, 2002


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</DOCUMENT>