Exhibit 23.4



                        [CAPITAL RESOURCES GROUP, INC.
                                  LETTERHEAD]







                                                June 20, 1996




Board of Directors
Amsterdam Federal Savings and
  Loan Association
161 Church Street
Amsterdam, New York 12010-4242

Dear Board of Members:

     We hereby consent to the use of our firm's name,  Capital  Resources Group,
Inc.  ("CRG") in the Application  for Approval of Conversion  filed by Amsterdam
Federal  Savings and Loan  Association  for  permission  to convert to a capital
stock savings bank and references to the Conversion  Valuation  Appraisal Report
("Report") and the valuation of Amsterdam  Federal Savings and Loan  Association
provided by CRG. We also consent to the use of our firm's name and references to
our Report in the Form S-1 Registration Statement filed by AFSALA Bancorp, Inc.

                                                Very truly yours,


                                                /s/ Michael B. Seiler


                                                Michael B. Seiler
                                                Senior Vice President