POWER OF ATTORNEY


     I hereby appoint John J. Gorman,  Robert B. Pomerenk and Elizabeth E. Hance
to act as my true and lawful  attorney-in-fact  with  authority to execute on my
behalf any Form ID, 3, 4 or 5 or any amendment  thereto  required to be filed by
the  undersigned  under  Section 16 of the  Securities  Exchange Act of 1934, as
amended,  and  the  rules  and  regulations  promulgated  thereunder,  with  the
appropriate  regulatory  authorities and to do all things incident and necessary
to that end,  until such time as I notify  Messrs.  Gorman or  Pomerenk,  or Ms.
Hance in writing  that his or her  authority  to act on my behalf in this manner
has been withdrawn.

         I have signed this power of attorney on August 25, 2005.


                                             by  /s/ Thomas Lankey
                                                 ------------------------------
                                                 Thomas Lankey


                                 In presence of  /s/ Karen LeBlon
                                                 ------------------------------



                                             at  New Brunswick,         NJ
                                                 ------------------------------
                                                    City               State