Exhibit 23.3



                        [T.M. BYXBEE COMPANY LETTERHEAD]



                        Consent of Independent Auditors


The Board of Directors
Amsterdam Federal Savings and Loan Association
AFSALA Bancorp, Inc.
Amsterdam, New York


     We have issued our report dated November 8, 1994, except for the Note 14 as
to which the date is April 26, 1996,  accompanying  the financial  statements of
Amsterdam Federal Savings and Loan Association as of September 30, 1994, and for
the  fiscal  years  ended  September  30,  1994  and  1993,   contained  in  the
registration   statement  and   prospectus.   We  consent  to  the  use  of  the
aforementioned report in the Form S-1 and in the Form AC and to the reference to
our firm under the heading "Experts" in the prospectus.

          
          
                                      T.M. BYXBEE COMPANY, CPAs, NY, P.C.

                                      /s/T.M. BYXBEE COMPANY, CPAs, NY, P.C.


July 30, 1996