9









                                  Exhibit 23.1

                          INDEPENDENT AUDITORS' CONSENT




 10


                          INDEPENDENT AUDITORS' CONSENT


Board of Directors
Long Island Financial Corp.

We consent to incorporation by reference in the Registration Statement (No. 333-
86111) on Form S-8/A of Long Island  Financial Corp. of our report dated January
25, 2002,  relating to the consolidated  balance sheets of Long Island Financial
Corp.  and  subsidiaries  as of  December  31,  2001 and 2000,  and the  related
consolidated  statements of earnings,  changes in stockholders'  equity and cash
flows for each of the years in the  three-year  period ended  December 31, 2001,
which report is incorporated by reference in the December 31, 2001 Annual Report
on Form 10-K of Long Island Financial Corp.


                                                  /s/KPMG LLP

KPMG LLP
Melville, New York
June 4, 2002