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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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