EXHIBIT 23.1


              CONSENT OF INDEPENDANT CERTIFIED PUBLIC ACCOUNTANTS
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The Board of Directors of
New York Bancorp, Inc.


We consent to the incorporation by reference in the registration statement on
Form S-3 of New York Bancorp Inc. of our report dated October 29, 1996, related
to the consolidated statement of financial condition of New York Bancorp Inc. as
of September 30, 1996 and 1995, and the related consolidated statements of
income, changes in shareholders' equity and cash flows for each of the years in
the three-year period ended September 30, 1996, which report is included in the
1996 Annual Report to Shareholders of New York Bancorp Inc. and has been
incorporated by reference in the September 30, 1996 Annual Report on Form 10-K
of New York Bancorp Inc., and to the reference to our firm under the headings
"Selected Consolidated Financial and Other Data" and "Experts" in the
registration statement.



                                        /s/ KPMG Peat Marwick LLP

                                        KPMG Peat Marwick LLP


Jericho, New York
August 28, 1997