Exhibit 23

               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

        We hereby consent to the incorporation by reference into the previously
filed Registration Statements on Form S-8 of Pamrapo Bancorp, Inc. (the
"Company") of our report dated January 31, 2003, included in the Company's
Annual Report on Form 10-K for the year ended December 31, 2002.


                                                /s/ Radics & Co., LLC
                                                ----------------------------
                                                Radics & Co., LLC


March 31, 2003
Pine Brook, New Jersey