Exhibit 24

POWER OF ATTORNEY

I hereby appoint Christopher Becker, Maria Doyle and Pauline Wimmer 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. Becker, Ms. Doyle or Ms.
Wimmer
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withdrawn.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 15,2023.

       By: /s/ JANET T. VERNEUILLE
           Janet T. Verneuille


       In the presence of: /s/ JAY MCCONIE
                           Jay McConie

       at: Melville, New York
           City         State