EXHIBIT 23.2

                       Consent of Independent Accountants








                        INDEPENDENT ACCOUNTANTS' CONSENT





Board of Directors
Little Falls Bancorp, Inc.
86 Main Street
Little Falls, New Jersey 07424

         We consent to incorporation by reference in this Registration Statement
on Form S-8 related to the Little Falls Bancorp,  Inc. 1996 Stock Option Plan of
our report on the  consolidated  financial  statements of Little Falls  Bancorp,
Inc.,  included in the Form 10-K of Little  Falls  Bancorp,  Inc. for the fiscal
year ended December 31, 1996.


                                                     /s/ Radics & Co.

                                                     Radics & Co.




Pinebrook, New Jersey

November 7, 1997