POWER OF ATTORNEY

                 Know all men by these presents:

                 That I Jackie Jenkins-Scott                     ,

of Dimock Community Health Center, 55 Dimock Street, Roxbury, MA,
02119 , 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

My Commission expires: