Exhibit 23.2
CONSENT OF INDEPENDENT ACCOUNTANTS
We consent to incorporation by reference in the Registration Statement of
Oswego County Bancorp, Inc. on Form S-8 of our report dated February 28, 2000,
relating to the consolidated statements of financial condition of Oswego County
Bancorp, Inc. as of December 31, 1999 and 1998, and the related consolidated
statements of income, changes in shareholders' equity and cash flows for the
years then ended, which report is incorporated by reference in the Annual Report
on Form 10-KSB.
KPMG LLP
Syracuse, New York
June 12, 2000
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