EXHIBIT 23
CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
The Board of Directors
Troy Financial Corporation:
We consent to incorporation by reference in the Registration Statement filed on
February 12, 1999, on Form S-1/A of Troy Financial Corporation (No. 333-68813)
of our report dated June 21, 2000, relating to the statements of net assets
available for benefits of the The Troy Savings Bank 401(k) Savings Plan in RSI
Retirement Trust as of December 31, 1999 and 1998, and the related statements of
changes in net assets available for benefits for the years then ended, which
report appears in the December 31, 1999 annual report on Form 11-K/A No. 1 of
Troy Financial Corporation.
/s/ KPMG LLP
Albany, New York
June 28, 2000
