Re: BCSB is the Worst Perfoming Bank in the Baltimore Area

CEO Gary Loraditch's annual salary alone of $355K equates to 6 cents
shaved from BCSB reported annual earnings ($355,000.00 divided by
5,874,000 outstanding shares =3D 6 cents)

BCSB only earned 2 cents in the current quarter. Do you BCSB
$HITHOLDERS still think Loraditch is worth it? HE DOES!


BCSB Bankcorp, Inc. Reports March 31, 2005 Results

BALTIMORE, May 13 /PRNewswire-FirstCall/ -- BCSB Bankcorp, Inc.
(Nasdaq: BCSB), the holding company for Baltimore County Savings Bank,
FSB, reported earnings of $96,000 or $0.02 per basic and diluted share
for the quarter ended March 31, 2005. This compared to $161,000 or
$0.03 per basic and diluted share for the same period in 2004. At March
31, 2005, total assets equaled $790.4 million as compared to $773.6
million on September 30, 2004, an increase of $16.8 million. Total
deposits rose to $586.4 million as of March 31, 2005 as compared to
$580.6 million on September 30, 2004, an increase of $5.8 million.

The Company announced that it received in April 2005 a one-time gain of
approximately $525,000 after tax which will have a positive impact on
the third quarter of fiscal year 2005. The one-time gain is associated
with Harland Financial Solutions, Inc.'s cash acquisition of Intrieve
Incorporated. This stock acquisition included the shares owned by
Baltimore County Savings Bank, FSB, the Company's wholly owned
subsidiary. The Company could realize additional gains of up to $60,000
after tax during the year following the closing of the acquisition if
certain additional criteria specified in the acquisition agreement are
satisfied.

The Bank also announced that a new full-service branch to be located
along Lakeside Boulevard in Owings Mills, Maryland will begin
construction in the summer of 2005. When complete, the new Owings Mills
branch will be the Bank's eighteenth located throughout the Baltimore
metropolitan region.

BCSB Bankcorp, Inc. is the holding company of Baltimore County Savings
Bank, FSB, which was founded in 1955. BCSB Bankcorp, Inc. became a
publicly traded mutual holding company in July 1998.