PATAPSCO BANCORP INC
S-4, EX-23, 2000-08-07
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                          CONSENT of FERGUSON & COMPANY


         We hereby  consent to the reference to our fairness  opinion  letter to
the   Board  of   Directors   of   Northfield   Bancorp,   Inc.   in  the  Proxy
Statement/Prospectus constituting part of this Registration Statement.


                                                 Ferguson & Company

                                                 /s/ Robin L. Fussell

                                                 Robin L. Fussell
                                                 Principal


Hurst, Texas
August 4, 2000



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