ACCOUNTANT'S CONSENT



The Board of Directors
Adirondack Financial Services Bancorp, Inc.


  We consent to the incorporation by reference in this
Registration Statement on Form S-8 of Adirondack Financial Services
Bancorp, Inc. of our report dated December 12, 1997, relating to
the statements of financial condition of Gloversville Federal
Savings and Loan Association as of September 30, 1997 and 1996 and
the related statements of operations, changes in equity, and cash
flows for each of the years in the three-year period ended
September 30, 1997.





/s/ KPMG PEAT MARWICK, LLP


Albany, New York
July 21, 1998