EXHIBIT 23
CONSENT OF INDEPENDENT AUDITORS
The Board of Directors
Troy Financial Corporation
We consent to incorporation by reference in the following registration
statements:
File No. 333-94061 on Form S-8, and
File No. 333-43260 on Form S-8
of Troy Financial Corporation of our report dated November 17, 2000, relating to
the consolidated statements of condition of Troy Financial Corporation and
subsidiaries as of September 30, 2000 and 1999, and the related consolidated
statements of income, changes in shareholders' equity and cash flows for each of
the years in the three-year period ended September 30, 2000, which report
appears in the September 30, 2000 Annual Report on Form 10-K of Troy Financial
Corporation.
/s/ KPMG LLP
Albany, New York
December 27, 2000
