Exhibit 23.3


                          CONSENT OF RP FINANCIAL, L.C.



                              June 19, 1998



Board of Trustees
Cortland Savings Bank
1 North Main Street
Cortland, New York 13045-2129

Ladies & Gentlemen:

     We hereby consent to the use of our firm's name in the Application for
Conversion on Form 86-AC of Cortland Savings Bank, Cortland, New York, and any
amendments thereto, and in the Form S-1 Registration Statement and any
amendments thereto for CNY Financial Corporation. 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 CNY Financial Corporation.

                                 Sincerely,

                                 RP FINANCIAL, LC.



                                 By: /s/ James J. Oren
                                     Senior Vice President