Exhibit 24.1


                                POWER OF ATTORNEY


            KNOW ALL MEN BY THESE PRESENTS,  that each of the  undersigned  does
hereby  constitute and appoint each of Michael J. Hegarty and Monica C. Passick,
with full power of substitution,  his true and lawful attorney to execute in his
name, place and stead a Registration  Statement on Form S-8 to be filed with the
Securities and Exchange Commission in connection with the registration under the
Securities  Act of 1933  of  shares  which  may be  issued  under  the  Flushing
Financial Corporation 1996 Stock Option Incentive Plan or the Flushing Financial
Corporation 1996 Restricted Stock Incentive Plan,  including without  limitation
any  and  all   amendments   (including   post-effective   amendments)  to  such
Registration Statement,  and to file the same, with all exhibits thereto and any
other  documents  in  connection  therewith,  with the  Securities  and Exchange
Commission.  Such attorney and his  substitutes  shall have and may exercise all
powers to act hereunder.  Each of the undersigned does hereby ratify and confirm
all that said attorney and agent shall do or cause to be done by virtue hereof.

            IN  WITNESS  WHEREOF,  each of the  undersigned  has signed his name
hereto as of this 17th day of August, 1999.



      /S/ MICHAEL J. HEGARTY                      /S/ GERARD P. TULLY, SR.
- ------------------------------------        ------------------------------------
Michael J. Hegarty                          Gerard P. Tully, Sr.



      /S/ MONICA C. PASSICK                       /S/ JAMES D. BENNETT
- ------------------------------------        ------------------------------------
Monica C. Passick                           James D. Bennett



                                                  /S/ LOUIS C. GRASSI
- ------------------------------------        ------------------------------------
John M. Gleason                             Louis C. Grassi



      /S/ ROBERT A. MARANI                        /S/ JOHN O. MEAD
- ------------------------------------        ------------------------------------
Robert A. Marani                            John O. Mead



      /S/ JAMES F. MCDONNELL                      /S/ VINCENT F. NICOLOSI
- ------------------------------------        ------------------------------------
James F. McConnell                          Vincent F. Nicolosi




























                                       16




      /S/ FRANKLIN F. REGAN, JR.                  /S/ JOHN E. ROE, SR.
- ------------------------------------        ------------------------------------
Franklin F. Regan, Jr.                      John E. Roe, Sr.



      /S/ MICHEL J. RUSSO
- ------------------------------------
Michel J. Russo









































































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