EXHIBIT 4.2


                          BRIDGE STREET FINANCIAL, INC.
                              RESTRICTED STOCK PLAN
                          CONVERSION STOCK AWARD NOTICE
                          -----------------------------


________________________________________________________________________________
NAME OF AWARD RECIPIENT                                   SOCIAL SECURITY NUMBER

________________________________________________________________________________
                                 STREET ADDRESS

________________________________________________________________________________
CITY                                 STATE                              ZIP CODE

This Conversion Stock Award Notice is intended to set forth the terms and
conditions on which an Award under the Oswego County Bancorp, Inc. Restricted
Stock Plan and has been converted to be an Award under the Bridge Street
Financial, Inc. Restricted Stock Plan. Set forth below are the specific terms
and conditions applicable to this Award. Attached as Exhibit A are its general
terms and conditions.

<TABLE>
<CAPTION>
     Oswego Restricted                (A)              (B)             (C)             (D)               (E)
       Stock Award
<S>                                 <C>              <C>              <C>             <C>              <C>
                Effective Date
              Class of Shares*      Common           Common           Common          Common           Common
        No. of Awarded Shares*
                 Vesting Date*
</TABLE>

<TABLE>
<CAPTION>
   Bridge Street Restricted           (A)              (B)             (C)             (D)               (E)
         Stock Award
<S>                                 <C>              <C>              <C>             <C>              <C>
              Class of Shares*      Common           Common           Common          Common           Common
        No. of Awarded Shares*
                 Vesting Date*
</TABLE>

*SUBJECT TO ADJUSTMENT AS PROVIDED IN THE PLAN AND THE GENERAL TERMS AND
CONDITIONS.

By signing where indicated below, Bridge Street Financial, Inc. (the "Company")
grants this Award upon the specified terms and conditions, and the Award
Recipient acknowledges receipt of this Conversion Stock Award Notice, including
Exhibit A, and agrees to observe and be bound by the terms and conditions set
forth herein and acknowledges receipt of a Prospectus dated January 3, 2003 for
the Bridge Street Financial, Inc. Restricted Stock Plan.

BRIDGE STREET FINANCIAL, INC.                      AWARD RECIPIENT

By_________________________________                _____________________________
  NAME:
  TITLE:

________________________________________________________________________________
INSTRUCTIONS: This page should be completed by or on behalf of the Personnel and
Compensation Committee. Any blank space intentionally left blank should be
crossed out. An Award consists of shares granted with uniform terms and
conditions. Where shares granted under an Award are awarded on the same date
with varying terms and conditions (for example, varying vesting dates), the
awards should be recorded as a series of grants each with its own uniform terms
and conditions.

<PAGE>

                                                                       EXHIBIT A
                                                                       ---------

                          BRIDGE STREET FINANCIAL, INC.
                       2002 RECOGNITION AND RETENTION PLAN
                             CONVERSION STOCK AWARD
                             ----------------------

                          GENERAL TERMS AND CONDITIONS


         SECTION 1. SIZE AND TYPE OF AWARD. The shares of Common Stock, par
value $.01 per share, of Bridge Street Financial, Inc. ("Shares") covered by
this Award ("Awarded Shares") are listed on this Conversion Stock Award Notice.
A stock certificate evidencing the Awarded Shares will be issued in your name.
The stock certificate will bear a legend indicating that it is subject to all of
the terms and conditions of this Award Notice and the Plan.

         SECTION 2.  VESTING.

                  (a) VESTING DATES. The Vesting Dates for your Awarded Shares
         are specified on this Award Notice. On each Vesting Date, you will
         obtain unrestricted ownership of the Awarded Shares that vest on that
         Vesting Date.

                  (b) FORFEITURES. If you terminate service with the Company
         prior to a Vesting Date, you will forfeit any Awarded Shares that are
         scheduled to vest on that date. When you forfeit Awarded Shares, all of
         your interest in the Awarded Shares will be canceled and any stock
         certificate or other evidence of ownership that was placed in a
         brokerage account for you will be returned. You agree to take any
         action and execute and deliver any document that the Company requests
         to effect the return of your unvested Awarded Shares. In the event you
         do not cooperate with the Company in this regard, you hereby appoint
         and designate the Company as your attorney-in-fact for the purpose of
         taking any action and signing any document, in your name, which the
         Company determines is necessary to enforce the forfeiture.

                  (c) ACCELERATED VESTING. All of your Awarded Shares that have
         not previously vested will become fully vested immediately, and without
         any further action on your part, in the event of your death or
         Disability (as defined in the Plan) or Change of Control (as defined in
         the Plan) before your termination of service with the Company or if
         your service terminates due to Retirement (as defined in the Plan). You
         may designate a Beneficiary to receive any Awarded Shares that vest
         upon your death using the Beneficiary Designation attached as Appendix
         A.

                  (d) DEFINITION OF SERVICE. For purposes of determining the
         vesting of your Awarded Shares, you will be deemed to be in THE service
         of the Company for so long as you serve in any capacity as an employee,
         officer, non-employee director or consultant of the Company or Oswego
         County National Bank.

         SECTION 3. DIVIDENDS. You will receive the dividends on an unrestricted
basis, but they will be paid to you by, and will be taxable in the same manner
as other compensation paid to you by, the Company.

         SECTION 4. VOTING RIGHTS. You shall have the right to control all
voting rights relating to all unvested Awarded Shares.

         SECTION 5. AMENDMENT. This Award Notice may be amended, in whole or in
part and in any manner not inconsistent with the provisions of the Plan, at any
time and from time to time, by written agreement between you and the Company.

         SECTION 6. PLAN PROVISIONS CONTROL. This Award Notice, and the rights
and obligations created hereunder, shall be subject to all of the terms and
conditions of the Plan. In the event of any conflict between the provisions of
the Plan and the provisions of this Award Notice, the terms of the Plan, which
are incorporated herein by reference, shall control. By signing this Award
Notice, you acknowledge receipt of a copy of the Plan and a copy of the
Prospectus for the Plan dated January 3, 2003.

<PAGE>

                   APPENDIX A TO CONVERSION STOCK AWARD NOTICE
                          BRIDGE STREET FINANCIAL, INC.
                              RESTRICTED STOCK PLAN

                          BENEFICIARY DESIGNATION FORM


GENERAL
INFORMATION     USE THIS FORM TO DESIGNATE THE BENEFICIARY(IES) WHO WILL RECEIVE
                VESTED STOCK OPTIONS OUTSTANDING TO YOU AT THE TIME OF YOUR
                DEATH.


<TABLE>
<CAPTION>
<S>                                                                                   <C>
Name of
Award Recipient ___________________________________________________________________   Social Security Number _______--_____--_______
</TABLE>

BENEFICIARY     COMPLETE SECTIONS A AND B. IF NO PERCENTAGE SHARES ARE
DESIGNATION     SPECIFIED, EACH BENEFICIARY IN THE SAME CLASS (PRIMARY OR
                CONTINGENT) SHALL HAVE AN EQUAL SHARE. IF ANY DESIGNATED
                BENEFICIARY PREDECEASES YOU, THE SHARES OF EACH REMAINING
                BENEFICIARY IN THE SAME CLASS (PRIMARY OR CONTINGENT) SHALL BE
                INCREASED PROPORTIONATELY.

A. PRIMARY BENEFICIARY(IES). I hereby designate the following person as my
primary Beneficiary under the Plan, reserving the right to change or revoke this
designation at any time prior to my death:

<TABLE>
<CAPTION>
                  NAME                                      ADDRESS                      RELATIONSHIP        BIRTHDATE       SHARE
<S>                                             <C>                                   <C>                <C>                <C>
                                                ________________________________
___________________________________________                                           _________________  ________________   _______%
                                                ________________________________

                                                ________________________________
___________________________________________                                           _________________  ________________   _______%
                                                ________________________________

                                                ________________________________
___________________________________________                                           _________________  ________________   _______%
                                                ________________________________
                                                                                                                          Total=100%
</TABLE>

B. CONTINGENT BENEFICIARY(IES). I hereby designate the following person(s) as my
contingent Beneficiary(ies) under the Plan to receive benefits only if all of my
primary Beneficiaries should predecease me, reserving the right to change or
revoke this designation at any time prior to my death:

<TABLE>
<CAPTION>
                  NAME                                      ADDRESS                      RELATIONSHIP        BIRTHDATE       SHARE
<S>                                             <C>                                   <C>                <C>                <C>
                                                ________________________________
___________________________________________                                           _________________  ________________   _______%
                                                ________________________________

                                                ________________________________
___________________________________________                                           _________________  ________________   _______%
                                                ________________________________

                                                ________________________________
___________________________________________                                           _________________  ________________   _______%
                                                ________________________________
                                                                                                                          Total=100%
</TABLE>

<PAGE>



S    H          I understand that this Beneficiary Designation shall be
                effective only if properly completed and received by the
I    E          Corporate Secretary of Bridge Street Financial, Inc. prior to my
                death, and that it is subject to all of the terms and conditions
G    R          of the Plan. I also understand that an effective Beneficiary
                designation revokes my prior designation(s) with respect to all
N    E          outstanding Stock Options.


_____________________________________________   ________________________________
             YOUR SIGNATURE                                 DATE

________________________________INTERNAL USE ONLY_______________________________

<TABLE>
<CAPTION>
This Beneficiary  Designation was received by the Corporate Secretary                               Comments
of Bridge Street Financial, Inc. on the date indicated.
<S>                                                                             <C>





By___________________________________           ________________________________
         AUTHORIZED SIGNATURE                                 DATE
</TABLE>