Exhibit 24

POWER OF ATTORNEY

       I hereby appoint Jay P. McConie, William Aprigliano or Maria Doyle
to act as my true and lawful attorney in fact with authority to execute on
my behalf any Form ID, 3, 4, 5 or 144 or any amendment thereto required to
be filed by the undersigned under Section 16 of the Securities Exchange Act
of 1934, as amended, and the rules and regulations promulgated thereunder,
with the appropriate regulatory authorities and to do all things incident
and necessary to that end, until such time as I notify Mr. McConie,
Mr. Aprigliano or Ms. Doyle in writing that their authority to act on my
behalf in this manner has been withdrawn.

       I have signed this power of attorney on November 5,2020.

       By: /s/ MICHAEL J. SPOLARICH
           Michael J. Spolarich


       In the presence of: /s/ TIMOTHY MINGO
                           Timothy Mingo

       at: Babylon, New York
           City         State