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 February 4, 2004, included in the Company's
Annual Report on Form 10-K for the year ended December 31, 2003.

                                                  /s/Radics & Co., LLC

March 11, 2004
Pine Brook, New Jersey