POWER OF ATTORNEY


      Know all men by these presents that I, David K. Kopperud,

hereby make, constitute and appoint the President, any Vice President, the

Treasurer, and the Secretary of PSB Holdings, Inc., and any duly elected

successor to any incumbent holding one or more of such offices, and each of the

foregoing officers, as my true and lawful attorney-in-fact, on my behalf, and

in my name, place and stead, to execute any and all forms or documents which at

any time are required to be filed by me with the Securities and Exchange

Commission pursuant to the rules and regulations promulgated under Section 16

of the Securities Exchange Act of 1934 ("Section 16") with respect to the

ownership of common stock of PSB Holdings, Inc. and to do and perform any and

all acts which such attorney-in-fact believes necessary or appropriate in order

to satisfy my reporting obligations under Section 16.  This power of attorney

revokes all previously dated powers of attorney filed by me with respect to

filings required by me under Section 16 and shall remain in effect for such

period of time as I have a reporting obligation pursuant to said Section 16 by

reason of my beneficial ownership of PSB Holdings, Inc. common stock, unless

previously revoked in writing by me.



Dated:  April 5, 2003                       DAVID K. KOPPERUD
                                              (Signature)