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                                                                   EXHIBIT 24.15


                                POWER OF ATTORNEY

                         Know all men by these presents:

               That I Michael D. Scott, of Department of the Treasury,
Washington, D.C. 20220 as a member of the Board of Directors of THE NATIONAL
CONSUMER COOPERATIVE BANK, do hereby make, constitute and appoint as my true
lawful attorney in fact Richard L. Reed or Louise M. Grant for me and in my
name, place and stead to sign any and all of the following and amendments
thereto executed on behalf of THE NATIONAL CONSUMER COOPERATIVE BANK and
filed with the Securities and Exchange Commission, as follows:

Annual Reports on Form 10-K for the NATIONAL CONSUMER COOPERATIVE BANK.

       IN WITNESS WHEREOF, I have hereunto set my hand this 26th day of
       March, 2003.


/s/  MICHAEL D. SCOTT
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Signature


State of   Washington, D.C. )
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                            )       SS:
County of  ---              )
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     On this 26th day of March, 2003, before me personally appeared the
above, to me known and known to me to be the person mentioned and described in
and who executed the foregoing instrument and he duly acknowledged to me that he
executed the same.