EXHIBIT 23.1


               Consent of Thacher Proffitt & Wood 
                 (included in Exhibit 5 hereof)

















































                         EXHIBIT 23.2


                Consent of KPMG Peat Marwick LLP





















































The Board of Directors
Haven Bancorp, Inc.:


     We consent to the incorporation by reference in the
Registration Statement on Form S-8 of Haven Bancorp, Inc., relating
to the Haven Bancorp, Inc. 1996 Stock Incentive Plan, of our report
dated January 25, 1996 with respect to the consolidated statements
of financial condition of Haven Bancorp, Inc. and subsidiaries as
of December 31, 1995 and 1994, and the related consolidated
statements of operations, changes in stockholders' equity, and cash
flows for each of the years in the three-year period ended December
31, 1995, which report is incorporated by reference in the December
31, 1995 Annual Report on Form 10-K of Haven Bancorp, Inc.  Our
report includes an explanatory paragraph that refers to the
adoption of a new accounting principle as discussed in the notes to
those financial statements.  We also consent to the reference to
our firm under the heading "Experts" in the resale prospectus.


                                        KPMG PEAT MARWICK LLP



Jericho, New York
June 27, 1996