Exhibit 23.3

                         [RP Financial, LC. Letterhead]



                                December 31, 1997


Board of Directors
Gloversville Federal Savings and Loan Association
52 North Main Street
Gloversville, New York 12078-3084

         Re:      Plan of Conversion: Subscription Rights

Gentlemen:

         We hereby consent to the use of our firm's name in the  Application for
Conversion of Gloversville  Federal Savings and Loan Association,  Gloversville,
New York, and any amendments thereto, and in the Form S-1 Registration Statement
and any amendments thereto for Adirondack  Financial  Services Bancorp.  We also
hereby  consent to the inclusion of,  summary of and references to our Appraisal
Report  and  our  statement  concerning  subscription  rights  in  such  filings
including the Prospectus of Adirondack Financial Sercvices Bancorp.

                                           Sincerely,

                                           RP FINANCIAL, LC.

                                           /S/ James P. Hennessey
                                           James P. Hennessey
                                           Senior Vice President