EXHIBIT 23
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                         INDEPENDENT AUDITORS' CONSENT
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Board of Directors
Iroquois Bancorp, Inc.:

We consent to incorporation by reference in the registration statement Nos. 33-
36826, 33-36827, 33-36828, 33-94214 and 333-10063 on Form S-8 and No. 33-36825
on Form S-3 of Iroquois Bancorp, Inc. of our report dated January 17, 1997,
relating to the consolidated balance sheets of Iroquois Bancorp, Inc. and
subsidiaries as of December 31, 1996 and 1995, and the related consolidated
statements of income, shareholders' equity and cash flows for each of the years
in the three-year period ended December 31, 1996, which report has been
incorporated by reference in the December 31, 1996 annual report on Form 10-K of
Iroquois Bancorp, Inc.

We also consent to incorporation by reference in the Registration Statement no.
33-36828 on Form S-8 of Iroquois Bancorp, Inc. of our report dated March 14,
1997 relating to the statements of net assets available for plan benefits of the
Iroquois Bancorp, Inc. 401(k) Savings Plan as of December 31, 1996 and 1995, and
the related statements of changes in net assets available for plan benefits for
the years ended December 31, 1996 and 1995, and related schedules as of and for
the year ended December 31, 1996, which report appears in the December 31, 1996
annual report on Form 10-K of Iroquois Bancorp, Inc.




   /s/KPMG Peat Marwick LLP
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KPMG Peat Marwick LLP

Syracuse, New York
March 21, 1997