POWERS OF ATTORNEY

            Each person whose signature appears below hereby constitutes and
appoints John C. Roman as the true and lawful attorney-in-fact and agent, with
full power of substitution and resubstitution, for them and in their name, place
and stead, in any and all capacities to sign any or all amendments to the Form
MHC-1, Notice of Mutual Holding Company Reorganization, and Form MHC-2,
Application for Approval of a Minority Stock Issuance by a Savings Association
Subsidiary of a Mutual Holding Company, (collectively, the "Applications") by
Naugatuck Valley Savings and Loan, S.B., and the Registration Statement on Form
S-1 by Naugatuck Valley Financial Corporation and to file the same, with all
exhibits thereto, and other documents in connection therewith, with the Office
of Thrift Supervision (the "OTS") or the U.S. Securities and Exchange
Commission, respectively, granting unto said attorney-in-fact and agent full
power and authority to do and perform each and every act and thing requisite and
necessary to be done as fully to all intents and purposes as they might or could
do in person, hereby ratifying and confirming all that said attorney-in-fact and
agent or his substitute or substitute may lawfully do or cause to be done by
virtue hereof.

            Pursuant to the requirements of Part 563b of the OTS Rules and
Regulations and the Securities Act of 1933, as amended, and any rules and
regulations promulgated thereunder, the foregoing Powers of Attorney prepared in
conjunction with the Applications and the Registration Statement on Form S-1
have been duly signed by the following persons in the capacities and on the
dates indicated.

         NAME                                                   DATE


/s/ John C. Roman                                           June 15, 2004
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John C. Roman
President, Chief Executive Officer and Director
(principal executive officer)
Naugatuck Valley Financial Corporation

President, Chief Executive Officer and Director
Naugatuck Valley Savings and Loan, S.B.


/s/ Lee R. Schlesinger                                      June 15, 2004
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Lee R. Schlesinger
Vice President and Controller
(principal financial and accounting officer)
Naugatuck Valley Financial Corporation

Vice President and Controller
Naugatuck Valley Savings and Loan, S.B.


/s/ Ronald D. Lengyel                                       June 15, 2004
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Ronald D. Lengyel
Chairman of the Board
Naugatuck Valley Financial Corporation

Chairman of the Board, Treasurer and Director
Naugatuck Valley Savings and Loan, S.B.




/s/ Carlos S. Batista                                       June 15, 2004
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Carlos S. Batista
Director
Naugatuck Valley Financial Corporation

Director
Naugatuck Valley Savings and Loan, S.B.


/s/ Richard M. Famiglietti                                  June 15, 2004
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Richard M. Famiglietti
Director
Naugatuck Valley Financial Corporation

Director
Naugatuck Valley Savings and Loan, S.B.

/s/ James A. Mengacci                                       June 15, 2004
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James A. Mengacci
Director
Naugatuck Valley Financial Corporation

Director
Naugatuck Valley Savings and Loan, S.B.


/s/ Michael S. Plude                                        June 15, 2004
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Michael S. Plude
Director
Naugatuck Valley Financial Corporation

Director
Naugatuck Valley Savings and Loan, S.B.


/s/ Camilo P. Vieira                                        June 15, 2004
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Camilo P. Vieira
Director
Naugatuck Valley Financial Corporation

Director
Naugatuck Valley Savings and Loan, S.B.






/s/ Jane H. Walsh                                           June 15, 2004
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Jane H. Walsh
Director
Naugatuck Valley Financial Corporation

Director
Naugatuck Valley Savings and Loan, S.B.