PULASKI FINANCIAL CORP
8-K, EX-99.1, 2000-12-28
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                      [LETTERHEAD OF DELOITTE & TOUCHE LLP]



December 27, 2000

Securities and Exchange Commission
Mail Stop 11-3
450 5th Street, N.W.
Washington, DC  20549

Dear Sirs/Madams:

We have read and agree with the comments in Item 4 of Form 8-K of Pulaski
Financial Corp. dated December 20, 2000.

Yours truly,

/s/ Deloitte & Touche LLP



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