POWER OF ATTORNEY

                Know all men by these presents:

                       That I Harry J. Bowie,
of  819  Main  Street, Greenville, MS 38701, as a member  of  the
Board of Directors of THE NATIONAL CONSUMER COOPERATIVE BANK,  do
hereby make, constitute and appoint as my true lawful attorney in
fact  Richard L. Reed or Louise M. Grant for me and in  my  name,
place  and  stead  to  sign  any and all  of  the  following  and
amendments  thereto executed on behalf of THE  NATIONAL  CONSUMER
COOPERATIVE  BANK    and filed with the Securities  and  Exchange
Commission, as follows:

Annual Reports on Form 10-K for the NATIONAL CONSUMER COOPERATIVE
BANK.


     IN  WITNESS  WHEREOF,  I  have hereunto  set  my  hand  this
day

of                       ,                 .




Signature


State of                         )
                                   )         SS:
County of                        )

     On this           day of                  ,         , before
me  personally appeared the above, to me known and known to me to
be  the  person mentioned and described in and who  executed  the
foregoing  instrument  and he duly acknowledged  to  me  that  he
executed the same.




Notary Public