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, Registration Statement No. 333-20499 of PennFed Financial
Services, Inc. on Form S-3 and Registration Statement No. 333-36031 of PennFed
Capital Trust I on Form S-2 of our report dated July 26, 2000, appearing in this
Annual Report on Form 10-K of PennFed Financial Services, Inc. for the year
ended June 30, 2000.
Deloitte & Touche LLP
Parsippany, New Jersey
September 22, 2000
