HUDSON RIVER BANCORP INC
S-4, EX-23.4, 2000-06-26
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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                      [LETTERHEAD OF ARTHUR ANDERSEN LLP]


                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

As independent  public  accountants,  we hereby consent to the  incorporation by
reference in this Joint Proxy Statement/Prospectus of our report dated August 5,
1999 included in Cohoes Bancorp,  Inc.'s Annual Report on Form 10-K for the year
ended June 30,  1999 and to all  references  to our Firm  included in this Joint
Proxy Statement/Prospectus.



/s/ Arthur Andersen LLP


New York, New York
June 23, 2000



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