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<PAGE>
Exhibit 23.1
CONSENT OF INDEPENDENT ACCOUNTANTS
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We hereby consent to the incorporation by reference in the Registration
Statement on Form S-8 (No. 33-92138) of BSB Bancorp, Inc. of our report dated
April 28, 2000 relating to the financial statements of the BSB Bank & Trust
Company 401(k) Savings Plan in RSI Trust, which appears in this Form 11-K.
PricewaterhouseCoopers LLP
Syracuse, New York
June 28, 2000
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