INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in Registration
Statement No. 333-17003 of the National Consumer Cooperative Bank
and its subsidiaries (the Company) on Form S-3 of our report dated
January 30, 1997, appearing in this Annual Report on Form 10-K of
the Company for the year ended December 31, 1996.



DELOITTE & TOUCHE LLP
March 17, 1997