<PAGE>
<PAGE>
                                     Registration No. 333-______
As filed with the Securities and Exchange Commission on
                      August 12, 1999
________________________________________________________________
          SECURITIES AND EXCHANGE COMMISSION
                WASHINGTON, D.C.  20549
        _______________________________________
                       FORM S-8
             REGISTRATION STATEMENT UNDER
              THE SECURITIES ACT OF 1933
        _______________________________________

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

   MARYLAND                                    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)

    BCSB BANKCORP, INC. MANAGEMENT RECOGNITION PLAN
      BCSB BANKCORP, INC. 1999 STOCK OPTION PLAN
________________________________________________________________


               (Full Title of the Plans)

            GARY C. LORADITCH, PRESIDENT
                 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
              DANIEL L. HOGANS, ESQUIRE
          HOUSLEY KANTARIAN & BRONSTEIN, P.C.
           1220 19TH STREET N.W., SUITE 700
                WASHINGTON, D.C.  20036
                    (202) 822-9611

                CALCULATION OF REGISTRATION FEE
<TABLE>
<CAPTION>
===================================================================================
    Title Of           Proposed Maximum     Proposed Maximum          Amount Of
Securities To Be         Amount To Be        Offering Price      Aggregate Offering       Registration
  Registered              Registered           Per Share               Price                  Fee
----------------------------------------------------------------------------------
<S>                   <C>              <C>                <C>              <C>
Common Stock,
   $.01 par value         320,124               $8.00                $2,560,992              $711.96
     per share
======================================================================================================
<FN>
(1) Maximum number of shares issuable under the BCSB Bankcorp, Inc. Management Recognition
    Plan (91,464  shares) and the BCSB Bankcorp, Inc. 1999 Stock Option Plan (228,660
    shares), as such amounts may be increased in accordance with said plans in the event
    of a merger, consolidation, recapitalization or similar event involving the
    Registrant.
(2) Under Rule 457(h) the registration fee may be calculated, inter alia, based upon the
    exercise price of options already granted ($8.00) and, for the remaining shares, the
    average of the high and low selling prices of the common stock of the Registrant as
    reported on the National Association of Securities Dealers Automated Quotation,
    National Market on August 9, 1999 of $8.00 per share ($2,560,992 in the aggregate).
</FN>
</TABLE>
<PAGE>
                        PART I

          INFORMATION REQUIRED IN THE SECTION
                   10(a) PROSPECTUS

ITEM 1.  PLAN INFORMATION*
------

ITEM 2.  REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL
------   INFORMATION*

    *Documents containing the information required by Part I
of this Registration Statement will be sent or given to
participants in the BCSB Bankcorp, Inc. Management Recognition
Plan and the BCSB Bankcorp, Inc. 1999 Stock Option Plan
(together, the "Plans") in accordance with Rule 428(b)(1).  In
accordance with 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
------
    BCSB Bankcorp, Inc. (the "Company") is subject to the
informational requirements of the Securities Exchange Act of
1934, as amended (the "1934 Act") and, accordingly, files
periodic reports and other information with the Commission.
Reports, proxy statements and other information concerning the
Company filed with the Commission may be inspected and copies
may be obtained (at prescribed rates) at the Commission's Public
Reference Section, Room 1024, 450 Fifth Street, N.W.,
Washington, D.C. 20549.  The Commission also maintains a Web
site that contains reports, proxy and information statements and
other information regarding registrants that file electronically
with the Commission, including the Company.  The address for the
Commission's Web site is "http://www.sec.gov".

    The following documents 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, 1998 (Commission File No. 0-
24589).

    (b)  The Company's Quarterly Report on Form 10-QSB for
the quarter ended December 31, 1998 (Commission File No. 0-
24589).

    (C)  The Company's Quarterly Report on Form 10-QSB for
the quartet ended March 31, 1999 (commission File No. 0-24589).

    (d)  The description of the Company's securities
contained in the Company's Prospectus dated May 14, 1998.

    ALL DOCUMENTS SUBSEQUENTLY FILED BY THE COMPANY PURSUANT
TO SECTIONS 13(A), 13(C), 14, AND 15(D) OF THE SECURITIES
EXCHANGE ACT OF 1934, AS AMENDED, AFTER THE DATE HEREOF AND
PRIOR TO THE TERMINATION OF THE OFFERING OF THE SHARES OF COMMON
STOCK, PAR VALUE $.01 PER SHARE ("COMMON STOCK") 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.

                            1
<PAGE>
<PAGE>
ITEM 4.  DESCRIPTION OF SECURITIES
------
       Not applicable, as the Common Stock is registered under
Section 12 of the Securities Exchange Act of 1934.

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 direc-

         tor 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.
                            2
<PAGE>
<PAGE>
         In addition, the Association has a directors' and
    officers' liability policy providing for insurance against
    certain liabilities incurred by directors and officers of
    the Association while serving in their capacities as such.

ITEM 7.  EXEMPTION FROM REGISTRATION CLAIMED
------
      Not Applicable.

ITEM 8.  EXHIBITS
------
    For a list of all exhibits filed or included as part of
this Registration Statement, see "Index to Exhibits" at the end
of this Registration Statement.

ITEM 9.  UNDERTAKINGS
------
    The undersigned registrant hereby undertakes:

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

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

              (ii) To reflect in the prospectus any facts
    or events which, individually or together, 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 SEC pursuant to Rule 424(b) if, in the aggregate,
    the changes in volume and price represent no more than 20
    percent change in the maximum aggregate offering price set
    forth in the "Calculation of Registration Fee" table in the
    effective registration statement;

              (iii) To include any additional or changed
    material information on to the plan of distribution;
    provided, however, that paragraphs (a)(1)(i) and
    (a)(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 is incorporated by
    reference from the  periodic reports filed by the small
    business issuer under the Securities Exchange Act of 1934.

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

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

    (4)  The undersigned registrant hereby undertakes that,
for purposes of determining any liability under the Securities
Act of 1933, each filing of the registrant's annual report
pursuant to Section 13(a) or 15(d) of the Securities Exchange
Act of 1934 (and, where applicable, each filing of an employee
benefit plan's annual report pursuant to Section 15(d) of the
Securities Exchange Act of 1934) that is incorporated by
reference in the registration statement shall be deemed to be a
new registration statement relating to the securities offered
therein, and the offering of such securities at that time shall
be deemed to be the initial bona fide offering thereof.

                            3
<PAGE>
<PAGE>
    (5)  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, 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 registrant 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 small
business issuer 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 of 1933 and will be governed by the final
adjudication of such issue.


                            4
<PAGE>
<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 August 10, 1999.

                        BCSB BANKCORP, INC.


                        By:/s/ Gary C. Loradith
                           -----------------------------------
                           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, 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 Bankcorp,
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, the registration statement and
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>
  Signatures                            Title                          Date
  ----------                            -----                          ----
<S>                                 <C>                            <C>
/s/ Gary C. Loraditch               President and Chief            August 10, 1999
-------------------------------     Executive Officer
Gary C. Loraditch                (Principal Executive Officer)

/s/ Bonnie M. Klien              Vice President and Treasurer      August 10, 1999
-------------------------------  (Principal Financial and
Bonnie M. Klien                      Accounting Officer)

/s/ William M. Loughran             Senior Vice President          August 10, 1999
-------------------------------           and Director
William M. Loughran

/s/ Henry V. Kahl                   Chairman of the Board          August 10, 1999
-------------------------------           of Director
Henry V. Kahl

/s/ H. Adrian Cox                    Vice Chairman of the          August 10, 1999
-------------------------------        Board of Director
H. Adrian Cox

/s/ P. Louis Rohe                           Director               August 10, 1999
-------------------------------
P. Louis Rohe

/s/ Frank W. Dunton                         Director               August 10, 1999
-------------------------------
Frank W. Dunton

/s/ John Panzer, Jr.                        Director               August 10, 1999
-------------------------------
John Panzer, Jr.
</TABLE>
<PAGE>

                   INDEX TO EXHIBITS






Exhibit         Description

  5.1           Opinion of Housley Kantarian & Bronstein, P.C.
                as to the validity of the Common Stock being
                registered

 23.1           Consent of Housley Kantarian & Bronstein, P.C.
                (appears in their opinion filed as Exhibit 5.1)

 23.2           Consent of Anderson Associates, LLP

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

 99.1           BCSB Bankcorp, Inc. Management Recognition Plan
                and associated trust agreement

 99.2           BCSB Bankcorp, Inc. 1999 Stock Option Plan

 99.3           Form of Stock Option Agreement to be entered
                into with Optionees with respect to Incentive
                Stock Options granted under the BCSB Bankcorp,
                Inc. 1999 Stock Option Plan

 99.4           Form of Stock Option Agreement to be entered
                into with Optionees with respect to Non-
                Incentive Stock Options granted under the BCSB
                Bankcorp, Inc. 1999 Stock Option Plan

 99.5           Form of Agreement to be entered into with
                Optionees with respect to Stock Appreciation
                Rights granted under the BCSB Bankcorp, Inc.
                1999 Stock Option Plan

 99.6           Notice of MRP Award

 99.7           Memorandum concerning taxation of MRP Awards,
                and associated election form
[{"type": "S-8", "sequence": "1", "secsgml_size_bytes": 19170}]
{"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": "333-85025", "film-number": "99685480"}, "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
                      August 12, 1999
________________________________________________________________
          SECURITIES AND EXCHANGE COMMISSION
                WASHINGTON, D.C.  20549
        _______________________________________
                       FORM S-8
             REGISTRATION STATEMENT UNDER
              THE SECURITIES ACT OF 1933
        _______________________________________

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

   MARYLAND                                    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)

    BCSB BANKCORP, INC. MANAGEMENT RECOGNITION PLAN
      BCSB BANKCORP, INC. 1999 STOCK OPTION PLAN
________________________________________________________________

               (Full Title of the Plans)

            GARY C. LORADITCH, PRESIDENT
                 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
              DANIEL L. HOGANS, ESQUIRE
          HOUSLEY KANTARIAN & BRONSTEIN, P.C.
           1220 19TH STREET N.W., SUITE 700
                WASHINGTON, D.C.  20036
                    (202) 822-9611

                CALCULATION OF REGISTRATION FEE
===================================================================================
    Title Of           Proposed Maximum     Proposed Maximum          Amount Of
Securities To Be         Amount To Be        Offering Price      Aggregate Offering       Registration
  Registered              Registered           Per Share               Price                  Fee
----------------------------------------------------------------------------------
Common Stock,
   $.01 par value         320,124               $8.00                $2,560,992              $711.96
     per share
======================================================================================================
(1) Maximum number of shares issuable under the BCSB Bankcorp, Inc. Management Recognition
    Plan (91,464  shares) and the BCSB Bankcorp, Inc. 1999 Stock Option Plan (228,660
    shares), as such amounts may be increased in accordance with said plans in the event
    of a merger, consolidation, recapitalization or similar event involving the
    Registrant.
(2) Under Rule 457(h) the registration fee may be calculated, inter alia, based upon the
    exercise price of options already granted ($8.00) and, for the remaining shares, the
    average of the high and low selling prices of the common stock of the Registrant as
    reported on the National Association of Securities Dealers Automated Quotation,
    National Market on August 9, 1999 of $8.00 per share ($2,560,992 in the aggregate).
PART I

          INFORMATION REQUIRED IN THE SECTION
                   10(a) PROSPECTUS

ITEM 1.  PLAN INFORMATION*
------

ITEM 2.  REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL
------   INFORMATION*

    *Documents containing the information required by Part I
of this Registration Statement will be sent or given to
participants in the BCSB Bankcorp, Inc. Management Recognition
Plan and the BCSB Bankcorp, Inc. 1999 Stock Option Plan
(together, the "Plans") in accordance with Rule 428(b)(1).  In
accordance with 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
------
    BCSB Bankcorp, Inc. (the "Company") is subject to the
informational requirements of the Securities Exchange Act of
1934, as amended (the "1934 Act") and, accordingly, files
periodic reports and other information with the Commission.
Reports, proxy statements and other information concerning the
Company filed with the Commission may be inspected and copies
may be obtained (at prescribed rates) at the Commission's Public
Reference Section, Room 1024, 450 Fifth Street, N.W.,
Washington, D.C. 20549.  The Commission also maintains a Web
site that contains reports, proxy and information statements and
other information regarding registrants that file electronically
with the Commission, including the Company.  The address for the
Commission's Web site is "http://www.sec.gov".

    The following documents 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, 1998 (Commission File No. 0-
24589).

    (b)  The Company's Quarterly Report on Form 10-QSB for
the quarter ended December 31, 1998 (Commission File No. 0-
24589).

    (C)  The Company's Quarterly Report on Form 10-QSB for
the quartet ended March 31, 1999 (commission File No. 0-24589).

    (d)  The description of the Company's securities
contained in the Company's Prospectus dated May 14, 1998.

    ALL DOCUMENTS SUBSEQUENTLY FILED BY THE COMPANY PURSUANT
TO SECTIONS 13(A), 13(C), 14, AND 15(D) OF THE SECURITIES
EXCHANGE ACT OF 1934, AS AMENDED, AFTER THE DATE HEREOF AND
PRIOR TO THE TERMINATION OF THE OFFERING OF THE SHARES OF COMMON
STOCK, PAR VALUE $.01 PER SHARE ("COMMON STOCK") 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.

                            1
ITEM 4.  DESCRIPTION OF SECURITIES
------
       Not applicable, as the Common Stock is registered under
Section 12 of the Securities Exchange Act of 1934.

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 direc-

         tor 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.
                            2
In addition, the Association has a directors' and
    officers' liability policy providing for insurance against
    certain liabilities incurred by directors and officers of
    the Association while serving in their capacities as such.

ITEM 7.  EXEMPTION FROM REGISTRATION CLAIMED
------
      Not Applicable.

ITEM 8.  EXHIBITS
------
    For a list of all exhibits filed or included as part of
this Registration Statement, see "Index to Exhibits" at the end
of this Registration Statement.

ITEM 9.  UNDERTAKINGS
------
    The undersigned registrant hereby undertakes:

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

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

              (ii) To reflect in the prospectus any facts
    or events which, individually or together, 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 SEC pursuant to Rule 424(b) if, in the aggregate,
    the changes in volume and price represent no more than 20
    percent change in the maximum aggregate offering price set
    forth in the "Calculation of Registration Fee" table in the
    effective registration statement;

              (iii) To include any additional or changed
    material information on to the plan of distribution;
    provided, however, that paragraphs (a)(1)(i) and
    (a)(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 is incorporated by
    reference from the  periodic reports filed by the small
    business issuer under the Securities Exchange Act of 1934.

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

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

    (4)  The undersigned registrant hereby undertakes that,
for purposes of determining any liability under the Securities
Act of 1933, each filing of the registrant's annual report
pursuant to Section 13(a) or 15(d) of the Securities Exchange
Act of 1934 (and, where applicable, each filing of an employee
benefit plan's annual report pursuant to Section 15(d) of the
Securities Exchange Act of 1934) that is incorporated by
reference in the registration statement shall be deemed to be a
new registration statement relating to the securities offered
therein, and the offering of such securities at that time shall
be deemed to be the initial bona fide offering thereof.

                            3
(5)  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, 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 registrant 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 small
business issuer 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 of 1933 and will be governed by the final
adjudication of such issue.

                            4
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 August 10, 1999.

                        BCSB BANKCORP, INC.

                        By:/s/ Gary C. Loradith
                           -----------------------------------
                           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, 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 Bankcorp,
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, the registration statement and
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.
Signatures                            Title                          Date
  ----------                            -----                          ----
/s/ Gary C. Loraditch               President and Chief            August 10, 1999
-------------------------------     Executive Officer
Gary C. Loraditch                (Principal Executive Officer)

/s/ Bonnie M. Klien              Vice President and Treasurer      August 10, 1999
-------------------------------  (Principal Financial and
Bonnie M. Klien                      Accounting Officer)

/s/ William M. Loughran             Senior Vice President          August 10, 1999
-------------------------------           and Director
William M. Loughran

/s/ Henry V. Kahl                   Chairman of the Board          August 10, 1999
-------------------------------           of Director
Henry V. Kahl

/s/ H. Adrian Cox                    Vice Chairman of the          August 10, 1999
-------------------------------        Board of Director
H. Adrian Cox

/s/ P. Louis Rohe                           Director               August 10, 1999
-------------------------------
P. Louis Rohe

/s/ Frank W. Dunton                         Director               August 10, 1999
-------------------------------
Frank W. Dunton

/s/ John Panzer, Jr.                        Director               August 10, 1999
-------------------------------
John Panzer, Jr.
INDEX TO EXHIBITS

Exhibit         Description

  5.1           Opinion of Housley Kantarian & Bronstein, P.C.
                as to the validity of the Common Stock being
                registered

 23.1           Consent of Housley Kantarian & Bronstein, P.C.
                (appears in their opinion filed as Exhibit 5.1)

 23.2           Consent of Anderson Associates, LLP

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

 99.1           BCSB Bankcorp, Inc. Management Recognition Plan
                and associated trust agreement

 99.2           BCSB Bankcorp, Inc. 1999 Stock Option Plan

 99.3           Form of Stock Option Agreement to be entered
                into with Optionees with respect to Incentive
                Stock Options granted under the BCSB Bankcorp,
                Inc. 1999 Stock Option Plan

 99.4           Form of Stock Option Agreement to be entered
                into with Optionees with respect to Non-
                Incentive Stock Options granted under the BCSB
                Bankcorp, Inc. 1999 Stock Option Plan

 99.5           Form of Agreement to be entered into with
                Optionees with respect to Stock Appreciation
                Rights granted under the BCSB Bankcorp, Inc.
                1999 Stock Option Plan

 99.6           Notice of MRP Award

 99.7           Memorandum concerning taxation of MRP Awards,
                and associated election form