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<PAGE> 1 EXHIBIT 99.1 ACCOUNTANT LETTER <PAGE> 2 [LETTERHEAD OF DELOITTE & TOUCHE LLP] January 11, 2001 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/A of Pulaski Financial Corp. dated December 20, 2000. Yours truly, /s/ Deloitte & Touche LLP
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