Registration No. 333-___________

       As filed with the Securities and Exchange Commission on May 9, 2002
--------------------------------------------------------------------------------
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549
                     ---------------------------------------
                                    FORM S-8
                          REGISTRATION STATEMENT UNDER
                           THE SECURITIES ACT OF 1933
                     ---------------------------------------

                               BCSB BANKCORP, INC.
--------------------------------------------------------------------------------
             (Exact Name of Registrant as Specified in Its Charter)

              UNITED STATES                               52-2108333
--------------------------------------------------------------------------------
       (State or Other Jurisdiction of                 (I.R.S. Employer
       Incorporation or Organization)                 Identification No.)

                              4111 EAST JOPPA ROAD
                            BALTIMORE, MARYLAND 21236
--------------------------------------------------------------------------------
                    (Address of Principal Executive Offices)

        BALTIMORE COUNTY SAVINGS BANK, F.S.B. DEFERRED COMPENSATION PLAN
--------------------------------------------------------------------------------
                            (Full Title of the Plan)

            GARY C. LORADITCH, PRESIDENT AND CHIEF EXECUTIVE OFFICER
                               BCSB BANKCORP, INC.
                              4111 EAST JOPPA ROAD
                            BALTIMORE, MARYLAND 21236
--------------------------------------------------------------------------------
                     (Name and Address of Agent For Service)

                                 (410) 256-5000
--------------------------------------------------------------------------------
          (Telephone Number, Including Area Code, of Agent For Service)

                                   COPIES TO:
                           JOEL E. RAPPOPORT, ESQUIRE
                       STRADLEY RONON STEVENS & YOUNG, LLP
                        1220 19TH STREET N.W., SUITE 700
                              WASHINGTON, DC 20036
                                 (202) 822-9611
<TABLE>
<CAPTION>

                                      CALCULATION OF REGISTRATION FEE
===========================================================================================================
Title Of Securities        Amount            Proposed Maximum      Proposed Maximum         Amount Of
     To Be                 To Be              Offering Price       Aggregate Offering      Registration
  Registered            Registered (1)         Per Share              Price (2)               Fee
-----------------------------------------------------------------------------------------------------------
<S>                        <C>                  <C>                 <C>                     <C>
Common Stock,
$.01 par value             170,000              $13.07              $2,221,900              $204.42
===========================================================================================================
<FN>
(1)  Maximum number of shares issuable under the Baltimore  County Savings Bank,
     F.S.B. Deferred  Compensation Plan (the "Plan") (170,000 shares),  together
     with an indeterminate  number of shares being  registered  hereby as may be
     necessary  to adjust  the  number  of  additional  shares  of Common  Stock
     reserved  for  issuance  under the Plan as a result of an  increase  in the
     number  of  shares  issuable  under  such  plan as the  result of a merger,
     consolidation,  recapitalization  or similar event involving the Registrant
     or a stock split,  stock dividend,  reclassification,  recapitalization  or
     similar adjustment in the Registrant's common stock.
(2)  Under Rule 457(h) the  registration  fee may be calculated,  based upon the
     average  of the high and low  selling  prices  of the  common  stock of the
     Registrant as reported on the Nasdaq  National Market System on May 3, 2002
     of $13.07 per share ($2,221,900 in the aggregate).
</FN>
</TABLE>

                                       1
<PAGE>
                                     PART I

                       INFORMATION REQUIRED IN THE SECTION
                                10(a) PROSPECTUS


ITEM 1.  PLAN INFORMATION*

ITEM 2.  REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION*

     *This registration  statement relates to the registration of 170,000 shares
of  common  stock,  $.01 par value  per  share,  of BCSB  Bankkcorp,  Inc.  (the
"Company") reserved for issuance and delivery under the Baltimore County Savings
Bank, F.S.B. Deferred  Compensation Plan (the "Plan").  Documents containing the
information  required by Part I of this  registration  statement will be sent or
given  to  participants  in the  Plan in  accordance  with  Rule  428(b)(1).  In
accordance  with the Note to Part I of Form S-8,  such  documents  are not filed
with the Securities and Exchange Commission (the "Commission") either as part of
this registration statement or as prospectuses or prospectus supplements.

                                     PART II
               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.  INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE.

     The following  documents  filed by BCSB Bankcorp,  Inc. (the "Company") are
incorporated by reference in this Registration Statement:

     (a)  The  Company's  Annual Report on Form 10-KSB for the fiscal year ended
          September 30, 2001 filed with the  Commission on December 31, 2001, as
          amended by the Company's Annual Report on Form 10-KSB/A filed with the
          Commission on March 11, 2002 (Commission File No. 0-24589).

     (b)  The  Company's  Quarterly  Report on Form 10-QSB for the quarter ended
          December  31,  2001 filed with the  Commission  on  February  14, 2002
          (Commission File No. 0-24589).

     (c)  The Company's  Current Report on Form 8-K filed with the Commission on
          March 8, 2002 (Commission File No. 0-24589).

     (d)  The Company's Amended Quarterly Report on Form 10-QSB/A,  amending the
          Company's  Quarterly  Report  on Form  10-QSB  for the  quarter  ended
          December  31,  2001,  filed  with the  Commission  on March  11,  2002
          (Commission File No. 0-24589).

     (e)  The  description  of the  Company's  securities  as  contained  in the
          Company's Registration Statement on Form 8-A filed with the Commission
          on July 7, 1998.

     All documents subsequently filed by the Company pursuant to Sections 13(a),
13(c), 14 and 15(d) of the Exchange Act, prior to the filing of a post-effective
amendment  which  indicates that all securities  offered have been sold or which
deregisters  all  securities  then  remaining  unsold,  shall  be  deemed  to be
incorporated by reference in this registration statement and to be a part hereof
from the date of filing of such documents.

ITEM 4.  DESCRIPTION OF SECURITIES.

     Not applicable,  as the Common Stock is registered  under Section 12 of the
Securities Exchange Act of 1934.

                                       2
<PAGE>

ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL.

     Not Applicable.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS.

     Federal regulations define areas for indemnity coverage by Baltimore County
Savings Bank, F.S.B. (the "Bank") as follows:

     (a) Any person  against  whom any action is brought or  threatened  because
that person is or was a director or officer of the Bank shall be  indemnified by
the Bank, as the case may be, for:

          (i)  Any amount for which such person  becomes liable under a judgment
               in such action; and

          (ii) Reasonable costs and expenses,  including  reasonable  attorney's
               fees,  actually  paid or incurred by such person in  defending or
               settling  such  action,  or in  enforcing  his or her  rights  to
               indemnification  if the person  attains a  favorable  judgment in
               such enforcement action.

     (b) Indemnification  provided for in subparagraph (a) shall be made to such
officer or director only if the requirements of this subparagraph are met:

          (i)  The Bank shall make the indemnification  provided by subparagraph
               (a) in connection with any such action,  which results in a final
               judgment on the merits in favor of such officer or director.

          (ii) The Bank shall make the indemnification  provided by subparagraph
               (a) in case of settlement of such action,  final judgment against
               such  director  or  officer  or final  judgment  in favor of such
               director or officer  other than on the  merits,  if a majority of
               the  disinterested  directors of the Bank  determines that such a
               director or officer was acting in good faith  within the scope of
               his or her employment or authority as he or she could  reasonably
               have perceived it under the circumstances and for a purpose which
               he or she could reasonably have believed under the  circumstances
               was in the best interest of the Bank or its members.

     (c) As used in this paragraph:

          (i)  "Action"  means any  judicial or  administrative  proceeding,  or
               threatened  proceeding,  whether civil,  criminal,  or otherwise,
               including any appeal or other proceeding for review;

          (ii) "Final judgment" means a judgment,  decree, or order which is not
               appealable and as to which the period for appeal has expired with
               no appeal taken;

          (iii)"Settlement"  includes  the entry of a judgment  by consent or by
               confession or a plea of guilty or nolo contendere.

     Office of Thrift Supervision  regulations subject the small business issuer
to the same  indemnification  regulations  applicable  to the Bank and described
above.

     The Bank has a  directors  and  officers  liability  policy  providing  for
insurance against certain liabilities  incurred by directors and officers of the
Bank while serving in their capacities as such.

     In  addition,  the Bank has a directors'  and  officers'  liability  policy
providing for insurance against certain  disabilities  incurred by directors and
officers of the Bank while serving in their capacities as such.

                                       3
<PAGE>

ITEM 7.  EXEMPTION FROM REGISTRATION CLAIMED.

     Not applicable.

ITEM 8.  EXHIBITS.

     The exhibits scheduled to be filed or included as part of this Registration
Statement are as follows:

          5    Opinion of Stradley Ronon Stevens & Young, LLP as to the validity
               of the Common Stock being registered

          23.1 Consent of Stradley Ronon Stevens & Young,  LLP (appears in their
               opinion filed as Exhibit 5)

          23.2 Consent of Anderson Associates, LLP

          24   Power  of  Attorney   (contained   in  signature   page  to  this
               registration statement)

          99   Baltimore County Savings Bank, F.S.B.  Deferred Compensation Plan
               and the 2001 Amendment thereto

ITEM 9.  UNDERTAKINGS.

     The undersigned small business issuer hereby undertakes:

     (1) To file,  during any period in which  offers or sales are being made, a
post-effective amendment to this registration statement to:

          (i)  include  any  prospectus  required  by  Section  10(a)(3)  of the
Securities Act of 1933;

          (ii) reflect in the prospectus any facts or events which, individually
or in the aggregate, represent a fundamental change in the information set forth
in the registration  statement.  Notwithstanding the foregoing,  any increase or
decrease  in  volume  of  securities  offered  (if the  total  dollar  value  of
securities offered would not exceed that which was registered) and any deviation
from  the  low or  high  end of the  estimated  maximum  offering  range  may be
reflected in the form of prospectus  filed with the Commission  pursuant to Rule
424(b) if, in the aggregate,  the changes in volume and price  represent no more
than a 20 percent  change in the maximum  aggregate  offering price set forth in
the  "Calculation  of  Registration  Fee"  table in the  effective  registration
statement;

          (iii)  include  any  addition  or changed  information  on the plan of
distribution;

provided,  however,  that  paragraphs  (1)(i)  and  (1)(ii)  do not apply if the
registration statement is on Form S-3 or S-8, and the information required to be
included in a  post-effective  amendment  by those  paragraphs  is  contained in
periodic reports filed with or furnished to the Commission by the small business
issuer  pursuant to Section 13 or 15(d) of the  Securities  Exchange Act of 1934
that are incorporated by reference in the registration statement.

     (2) For the purpose of determining  any liability  under the Securities Act
of 1933, treat each  post-effective  amendment as a new  registration  statement
relating to the securities  offered therein,  and the offering of the securities
at that time shall be deemed to be the initial bona fide offering.

     (3) File a post-effective  amendment to remove from registration any of the
securities that remain unsold at the termination of the offering.

     (4) Insofar as indemnification for liabilities arising under the Securities
Act of 1933 may be permitted to directors,  officers and controlling  persons of
the small business  issuer pursuant to the foregoing  provisions,  or otherwise,
the small business issuer has been advised that in the opinion of the Securities
and  Exchange  Commission  such  indemnification  is  against  public  policy as
expressed in the Securities Act of 1933 and is, therefore,

                                       4
<PAGE>

unenforceable.  In the  event  that a claim  for  indemnification  against  such
liabilities  (other  than the payment by the small  business  issuer of expenses
incurred  or paid by a  director,  officer  or  controlling  person of the small
business issuer in the successful defense of any action,  suit or proceeding) is
asserted by such director,  officer or controlling person in connection with the
securities being  registered,  the registrant will, unless in the opinion of its
counsel the matter has been settled by controlling precedent,  submit to a court
of appropriate  jurisdiction the question whether such  indemnification by it is
against public policy as expressed in the Securities Act and will be governed by
the final adjudication of such issue.


                                       5
<PAGE>
                                   SIGNATURES

     Pursuant to the requirements of the Securities Act of 1933, as amended, the
registrant certifies that it has reasonable grounds to believe that it meets all
of the requirements for filing on Form S-8 and has duly caused this registration
statement  to be  signed  on  its  behalf  by  the  undersigned  thereunto  duly
authorized, in the city of Baltimore, State of Maryland, on this 8th day of May,
2002.


                                       BCSB Bankcorp, Inc.


                                       By: /s/ Gary C. Loraditch
                                           --------------------------------
                                           Gary C. Loraditch
                                           President and Chief Executive Officer
                                           (Duly Authorized Representative)


                                POWER OF ATTORNEY

     We, the  undersigned  directors of BCSB Bankcorp,  Inc.,  hereby  severally
constitute  and  appoint  Gary C.  Loraditch,  who may act,  with full  power of
substitution,  as our true and  lawful  attorney  and  agent,  to do any and all
things  in our  names in the  capacities  indicated  below  which  said  Gary C.
Loraditch,  who may act, may deem necessary or advisable to enable BCSB Bankorp,
Inc.  to comply with the  Securities  Act of 1933,  as  amended,  and any rules,
regulations  and  requirements  of the  Securities and Exchange  Commission,  in
connection with the registration of BCSB Bankcorp,  Inc. common stock, including
specifically,  but not limited  to,  power and  authority  to sign for us in our
names in the  capacities  indicated  below,  any and all  amendments  (including
post-effective  amendments)  thereto;  and we hereby ratify and confirm all that
said Gary C. Loraditch, shall do or cause to be done by virtue thereof.

     Pursuant  to  the   requirements  of  the  Securities  Act  of  1933,  this
registration  statement  has  been  signed  by  the  following  persons  in  the
capacities and on the dates indicated.
<TABLE>
<CAPTION>
Signature                                       Capacity                                Date
---------                                       --------                                ----
<S>                                             <C>                                     <C>
/s/ Gary C. Loraditch                           Director, President and Chief           May 8, 2002
-----------------------------------             Executive Officer
Gary C. Loraditch                               (Principal Executive Officer)

/s/ Bonnie M. Klein                             Vice President and Treasurer            May 8, 2002
-----------------------------------             (Principal Financial and Accounting
Bonnie M. Klein                                 Officer)

/s/ Henry V. Kahl                               Chairman of the Board                   May 8, 2002
-----------------------------------
Henry V. Kahl

/s/ H. Adrian Cox                               Secretary and Director                  May 8, 2002
-----------------------------------
H. Adrian Cox

/s/ William J. Kappauf, Jr.                     Director                                May 8, 2002
-----------------------------------
William J. Kappauf, Jr.

/s/ William M. Loughran                         Director                                May 8, 2002
-----------------------------------
William M. Loughran

/s/ John J. Panzer, Jr.                         Director                                May 8, 2002
-----------------------------------
John J. Panzer, Jr.

                                                Director
-----------------------------------
P. Louis Rohe

/s/ Michael J. Klein                            Director                                May 8, 2002
-----------------------------------
Michael J. Klein
</TABLE>
<PAGE>


                                INDEX TO EXHIBITS



  EXHIBIT      DESCRIPTION
  -------      -----------

     5         Opinion of Stradley Ronon Stevens & Young, LLP as to the validity
               of the Common Stock being registered

    23.1       Consent of Stradley Ronon Stevens & Young,  LLP (appears in their
               opinion filed as Exhibit 5)

    23.2       Consent of Anderson Associates, LLP

    24         Power  of  Attorney   (contained   in  signature   page  to  this
               registration statement)

    99         Baltimore County Savings Bank, F.S.B.  Deferred Compensation Plan
               and the 2001 Amendment thereto
[{"type": "S-8", "sequence": "1", "filename": "fms8dfcplan-1819.txt", "description": "FORM S-8 (DEFERRED COMPENSATION PLAN)", "secsgml_size_bytes": 19754}]
{"company-data": {"conformed-name": "BCSB BANKCORP INC", "cik": "0001052101", "assigned-sic": "6035", "irs-number": "522108333", "fiscal-year-end": "0930"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-87932", "film-number": "02640163"}, "business-address": {"street1": "4111 E JOPPA ROAD", "street2": "SUITE 300", "city": "BALTIMORE", "state": "MD", "zip": "21236", "phone": "4102565000"}, "mail-address": {"street1": "4111 E JOPPA ROAD", "street2": "SUITE 300", "city": "BALTIMORE", "state": "MD", "zip": "21236"}}
Registration No. 333-___________

       As filed with the Securities and Exchange Commission on May 9, 2002
--------------------------------------------------------------------------------
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549
                     ---------------------------------------
                                    FORM S-8
                          REGISTRATION STATEMENT UNDER
                           THE SECURITIES ACT OF 1933
                     ---------------------------------------

                               BCSB BANKCORP, INC.
--------------------------------------------------------------------------------
             (Exact Name of Registrant as Specified in Its Charter)

              UNITED STATES                               52-2108333
--------------------------------------------------------------------------------
       (State or Other Jurisdiction of                 (I.R.S. Employer
       Incorporation or Organization)                 Identification No.)

                              4111 EAST JOPPA ROAD
                            BALTIMORE, MARYLAND 21236
--------------------------------------------------------------------------------
                    (Address of Principal Executive Offices)

        BALTIMORE COUNTY SAVINGS BANK, F.S.B. DEFERRED COMPENSATION PLAN
--------------------------------------------------------------------------------
                            (Full Title of the Plan)

            GARY C. LORADITCH, PRESIDENT AND CHIEF EXECUTIVE OFFICER
                               BCSB BANKCORP, INC.
                              4111 EAST JOPPA ROAD
                            BALTIMORE, MARYLAND 21236
--------------------------------------------------------------------------------
                     (Name and Address of Agent For Service)

                                 (410) 256-5000
--------------------------------------------------------------------------------
          (Telephone Number, Including Area Code, of Agent For Service)

                                   COPIES TO:
                           JOEL E. RAPPOPORT, ESQUIRE
                       STRADLEY RONON STEVENS & YOUNG, LLP
                        1220 19TH STREET N.W., SUITE 700
                              WASHINGTON, DC 20036
                                 (202) 822-9611
CALCULATION OF REGISTRATION FEE
===========================================================================================================
Title Of Securities        Amount            Proposed Maximum      Proposed Maximum         Amount Of
     To Be                 To Be              Offering Price       Aggregate Offering      Registration
  Registered            Registered (1)         Per Share              Price (2)               Fee
-----------------------------------------------------------------------------------------------------------
Common Stock,
$.01 par value             170,000              $13.07              $2,221,900              $204.42
===========================================================================================================
(1)  Maximum number of shares issuable under the Baltimore  County Savings Bank,
     F.S.B. Deferred  Compensation Plan (the "Plan") (170,000 shares),  together
     with an indeterminate  number of shares being  registered  hereby as may be
     necessary  to adjust  the  number  of  additional  shares  of Common  Stock
     reserved  for  issuance  under the Plan as a result of an  increase  in the
     number  of  shares  issuable  under  such  plan as the  result of a merger,
     consolidation,  recapitalization  or similar event involving the Registrant
     or a stock split,  stock dividend,  reclassification,  recapitalization  or
     similar adjustment in the Registrant's common stock.
(2)  Under Rule 457(h) the  registration  fee may be calculated,  based upon the
     average  of the high and low  selling  prices  of the  common  stock of the
     Registrant as reported on the Nasdaq  National Market System on May 3, 2002
     of $13.07 per share ($2,221,900 in the aggregate).
1
PART I

                       INFORMATION REQUIRED IN THE SECTION
                                10(a) PROSPECTUS

ITEM 1.  PLAN INFORMATION*

ITEM 2.  REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION*

     *This registration  statement relates to the registration of 170,000 shares
of  common  stock,  $.01 par value  per  share,  of BCSB  Bankkcorp,  Inc.  (the
"Company") reserved for issuance and delivery under the Baltimore County Savings
Bank, F.S.B. Deferred  Compensation Plan (the "Plan").  Documents containing the
information  required by Part I of this  registration  statement will be sent or
given  to  participants  in the  Plan in  accordance  with  Rule  428(b)(1).  In
accordance  with the Note to Part I of Form S-8,  such  documents  are not filed
with the Securities and Exchange Commission (the "Commission") either as part of
this registration statement or as prospectuses or prospectus supplements.

                                     PART II
               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.  INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE.

     The following  documents  filed by BCSB Bankcorp,  Inc. (the "Company") are
incorporated by reference in this Registration Statement:

     (a)  The  Company's  Annual Report on Form 10-KSB for the fiscal year ended
          September 30, 2001 filed with the  Commission on December 31, 2001, as
          amended by the Company's Annual Report on Form 10-KSB/A filed with the
          Commission on March 11, 2002 (Commission File No. 0-24589).

     (b)  The  Company's  Quarterly  Report on Form 10-QSB for the quarter ended
          December  31,  2001 filed with the  Commission  on  February  14, 2002
          (Commission File No. 0-24589).

     (c)  The Company's  Current Report on Form 8-K filed with the Commission on
          March 8, 2002 (Commission File No. 0-24589).

     (d)  The Company's Amended Quarterly Report on Form 10-QSB/A,  amending the
          Company's  Quarterly  Report  on Form  10-QSB  for the  quarter  ended
          December  31,  2001,  filed  with the  Commission  on March  11,  2002
          (Commission File No. 0-24589).

     (e)  The  description  of the  Company's  securities  as  contained  in the
          Company's Registration Statement on Form 8-A filed with the Commission
          on July 7, 1998.

     All documents subsequently filed by the Company pursuant to Sections 13(a),
13(c), 14 and 15(d) of the Exchange Act, prior to the filing of a post-effective
amendment  which  indicates that all securities  offered have been sold or which
deregisters  all  securities  then  remaining  unsold,  shall  be  deemed  to be
incorporated by reference in this registration statement and to be a part hereof
from the date of filing of such documents.

ITEM 4.  DESCRIPTION OF SECURITIES.

     Not applicable,  as the Common Stock is registered  under Section 12 of the
Securities Exchange Act of 1934.

                                       2
ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL.

     Not Applicable.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS.

     Federal regulations define areas for indemnity coverage by Baltimore County
Savings Bank, F.S.B. (the "Bank") as follows:

     (a) Any person  against  whom any action is brought or  threatened  because
that person is or was a director or officer of the Bank shall be  indemnified by
the Bank, as the case may be, for:

          (i)  Any amount for which such person  becomes liable under a judgment
               in such action; and

          (ii) Reasonable costs and expenses,  including  reasonable  attorney's
               fees,  actually  paid or incurred by such person in  defending or
               settling  such  action,  or in  enforcing  his or her  rights  to
               indemnification  if the person  attains a  favorable  judgment in
               such enforcement action.

     (b) Indemnification  provided for in subparagraph (a) shall be made to such
officer or director only if the requirements of this subparagraph are met:

          (i)  The Bank shall make the indemnification  provided by subparagraph
               (a) in connection with any such action,  which results in a final
               judgment on the merits in favor of such officer or director.

          (ii) The Bank shall make the indemnification  provided by subparagraph
               (a) in case of settlement of such action,  final judgment against
               such  director  or  officer  or final  judgment  in favor of such
               director or officer  other than on the  merits,  if a majority of
               the  disinterested  directors of the Bank  determines that such a
               director or officer was acting in good faith  within the scope of
               his or her employment or authority as he or she could  reasonably
               have perceived it under the circumstances and for a purpose which
               he or she could reasonably have believed under the  circumstances
               was in the best interest of the Bank or its members.

     (c) As used in this paragraph:

          (i)  "Action"  means any  judicial or  administrative  proceeding,  or
               threatened  proceeding,  whether civil,  criminal,  or otherwise,
               including any appeal or other proceeding for review;

          (ii) "Final judgment" means a judgment,  decree, or order which is not
               appealable and as to which the period for appeal has expired with
               no appeal taken;

          (iii)"Settlement"  includes  the entry of a judgment  by consent or by
               confession or a plea of guilty or nolo contendere.

     Office of Thrift Supervision  regulations subject the small business issuer
to the same  indemnification  regulations  applicable  to the Bank and described
above.

     The Bank has a  directors  and  officers  liability  policy  providing  for
insurance against certain liabilities  incurred by directors and officers of the
Bank while serving in their capacities as such.

     In  addition,  the Bank has a directors'  and  officers'  liability  policy
providing for insurance against certain  disabilities  incurred by directors and
officers of the Bank while serving in their capacities as such.

                                       3
ITEM 7.  EXEMPTION FROM REGISTRATION CLAIMED.

     Not applicable.

ITEM 8.  EXHIBITS.

     The exhibits scheduled to be filed or included as part of this Registration
Statement are as follows:

          5    Opinion of Stradley Ronon Stevens & Young, LLP as to the validity
               of the Common Stock being registered

          23.1 Consent of Stradley Ronon Stevens & Young,  LLP (appears in their
               opinion filed as Exhibit 5)

          23.2 Consent of Anderson Associates, LLP

          24   Power  of  Attorney   (contained   in  signature   page  to  this
               registration statement)

          99   Baltimore County Savings Bank, F.S.B.  Deferred Compensation Plan
               and the 2001 Amendment thereto

ITEM 9.  UNDERTAKINGS.

     The undersigned small business issuer hereby undertakes:

     (1) To file,  during any period in which  offers or sales are being made, a
post-effective amendment to this registration statement to:

          (i)  include  any  prospectus  required  by  Section  10(a)(3)  of the
Securities Act of 1933;

          (ii) reflect in the prospectus any facts or events which, individually
or in the aggregate, represent a fundamental change in the information set forth
in the registration  statement.  Notwithstanding the foregoing,  any increase or
decrease  in  volume  of  securities  offered  (if the  total  dollar  value  of
securities offered would not exceed that which was registered) and any deviation
from  the  low or  high  end of the  estimated  maximum  offering  range  may be
reflected in the form of prospectus  filed with the Commission  pursuant to Rule
424(b) if, in the aggregate,  the changes in volume and price  represent no more
than a 20 percent  change in the maximum  aggregate  offering price set forth in
the  "Calculation  of  Registration  Fee"  table in the  effective  registration
statement;

          (iii)  include  any  addition  or changed  information  on the plan of
distribution;

provided,  however,  that  paragraphs  (1)(i)  and  (1)(ii)  do not apply if the
registration statement is on Form S-3 or S-8, and the information required to be
included in a  post-effective  amendment  by those  paragraphs  is  contained in
periodic reports filed with or furnished to the Commission by the small business
issuer  pursuant to Section 13 or 15(d) of the  Securities  Exchange Act of 1934
that are incorporated by reference in the registration statement.

     (2) For the purpose of determining  any liability  under the Securities Act
of 1933, treat each  post-effective  amendment as a new  registration  statement
relating to the securities  offered therein,  and the offering of the securities
at that time shall be deemed to be the initial bona fide offering.

     (3) File a post-effective  amendment to remove from registration any of the
securities that remain unsold at the termination of the offering.

     (4) Insofar as indemnification for liabilities arising under the Securities
Act of 1933 may be permitted to directors,  officers and controlling  persons of
the small business  issuer pursuant to the foregoing  provisions,  or otherwise,
the small business issuer has been advised that in the opinion of the Securities
and  Exchange  Commission  such  indemnification  is  against  public  policy as
expressed in the Securities Act of 1933 and is, therefore,

                                       4
unenforceable.  In the  event  that a claim  for  indemnification  against  such
liabilities  (other  than the payment by the small  business  issuer of expenses
incurred  or paid by a  director,  officer  or  controlling  person of the small
business issuer in the successful defense of any action,  suit or proceeding) is
asserted by such director,  officer or controlling person in connection with the
securities being  registered,  the registrant will, unless in the opinion of its
counsel the matter has been settled by controlling precedent,  submit to a court
of appropriate  jurisdiction the question whether such  indemnification by it is
against public policy as expressed in the Securities Act and will be governed by
the final adjudication of such issue.

                                       5
SIGNATURES

     Pursuant to the requirements of the Securities Act of 1933, as amended, the
registrant certifies that it has reasonable grounds to believe that it meets all
of the requirements for filing on Form S-8 and has duly caused this registration
statement  to be  signed  on  its  behalf  by  the  undersigned  thereunto  duly
authorized, in the city of Baltimore, State of Maryland, on this 8th day of May,
2002.

                                       BCSB Bankcorp, Inc.

                                       By: /s/ Gary C. Loraditch
                                           --------------------------------
                                           Gary C. Loraditch
                                           President and Chief Executive Officer
                                           (Duly Authorized Representative)

                                POWER OF ATTORNEY

     We, the  undersigned  directors of BCSB Bankcorp,  Inc.,  hereby  severally
constitute  and  appoint  Gary C.  Loraditch,  who may act,  with full  power of
substitution,  as our true and  lawful  attorney  and  agent,  to do any and all
things  in our  names in the  capacities  indicated  below  which  said  Gary C.
Loraditch,  who may act, may deem necessary or advisable to enable BCSB Bankorp,
Inc.  to comply with the  Securities  Act of 1933,  as  amended,  and any rules,
regulations  and  requirements  of the  Securities and Exchange  Commission,  in
connection with the registration of BCSB Bankcorp,  Inc. common stock, including
specifically,  but not limited  to,  power and  authority  to sign for us in our
names in the  capacities  indicated  below,  any and all  amendments  (including
post-effective  amendments)  thereto;  and we hereby ratify and confirm all that
said Gary C. Loraditch, shall do or cause to be done by virtue thereof.

     Pursuant  to  the   requirements  of  the  Securities  Act  of  1933,  this
registration  statement  has  been  signed  by  the  following  persons  in  the
capacities and on the dates indicated.
Signature                                       Capacity                                Date
---------                                       --------                                ----
/s/ Gary C. Loraditch                           Director, President and Chief           May 8, 2002
-----------------------------------             Executive Officer
Gary C. Loraditch                               (Principal Executive Officer)

/s/ Bonnie M. Klein                             Vice President and Treasurer            May 8, 2002
-----------------------------------             (Principal Financial and Accounting
Bonnie M. Klein                                 Officer)

/s/ Henry V. Kahl                               Chairman of the Board                   May 8, 2002
-----------------------------------
Henry V. Kahl

/s/ H. Adrian Cox                               Secretary and Director                  May 8, 2002
-----------------------------------
H. Adrian Cox

/s/ William J. Kappauf, Jr.                     Director                                May 8, 2002
-----------------------------------
William J. Kappauf, Jr.

/s/ William M. Loughran                         Director                                May 8, 2002
-----------------------------------
William M. Loughran

/s/ John J. Panzer, Jr.                         Director                                May 8, 2002
-----------------------------------
John J. Panzer, Jr.

                                                Director
-----------------------------------
P. Louis Rohe

/s/ Michael J. Klein                            Director                                May 8, 2002
-----------------------------------
Michael J. Klein
INDEX TO EXHIBITS

  EXHIBIT      DESCRIPTION
  -------      -----------

     5         Opinion of Stradley Ronon Stevens & Young, LLP as to the validity
               of the Common Stock being registered

    23.1       Consent of Stradley Ronon Stevens & Young,  LLP (appears in their
               opinion filed as Exhibit 5)

    23.2       Consent of Anderson Associates, LLP

    24         Power  of  Attorney   (contained   in  signature   page  to  this
               registration statement)

    99         Baltimore County Savings Bank, F.S.B.  Deferred Compensation Plan
               and the 2001 Amendment thereto