Exhibit 10.4.3

            AMENDMENT NO. TWO TO EMPLOYMENT AGREEMENT


     Amendment No. Two, dated as of March 1, 1995, to Employment
Agreement, dated as of March 1, 1994, between NORWALK SAVINGS
SOCIETY, a capital stock savings bank organized and existing under
the laws of the State of Connecticut with headquarters located in
Norwalk, Connecticut (the "Bank"), and MARCUS I. BRAVERMAN of
Yorktown Heights, New York ("Executive").

                            RECITALS

     WHEREAS, the Bank and the Executive mutually desire to amend
the Employment Agreement, dated as of March 1, 1994 (the
"Agreement").

     NOW THEREFORE, the parties agree as follows:

     1. Section 1 of the Agreement shall be amended to extend the
term of employment from March 1, 1995 to March 1, 1997, unless
subsequently extended or sooner terminated as provided in the
Agreement.  All other provisions of the Agreement shall remain in
full force and effect, except insofar as they may be modified by a
Change of Control Agreement by and between Executive and Bank dated
as of February 1, 1995.

     2. This Agreement may be executed in one or more counterparts,
all of which taken together shall constitute one and the same
instrument.

     3. This Amendment No. Two to Employment Agreement shall be
construed pursuant to and in accordance with the laws of the State
of Connecticut.


     IN WITNESS WHEREOF, the parties have executed this Amendment
No. Two to Employment Agreement on the date first above written.

                         NORWALK SAVINGS SOCIETY


                         By
                           -------------------------------------
                              Chairman of the Board of Directors

                         EXECUTIVE

                     
                         ----------------------------------
                              Marcus I. Braverman