Exhibit 99.3


            Consent of Independent Registered Public Accounting Firm


The Board of Directors
North Fork Bancorporation, Inc.:

We consent to incorporation by reference in Amendment No. 1 to the Registration
Statement (No. 333-114173) on Form S-4 of North Fork Bancorporation, Inc. of our
report dated February 25, 2004, relating to the consolidated statements of
condition of The Trust Company of New Jersey as of December 31, 2003 and 2002,
and the related consolidated statements of income, changes in stockholders'
equity and cash flows for each of the years in the three-year period ended
December 31, 2003, which report appears in the Current Report on Form 8-K dated
March 4, 2004 of North Fork Bancorporation, Inc., incorporated by reference
herein, and to the reference to our firm under the heading "Experts" in the
Registration Statement.


/s/ KPMG LLP


KPMG LLP


New York, New York
June 29, 2004