##### 



EXHIBIT 10.25
   Amended and Restated
 Employment Agreement
 between
 Hudson City Bancorp, Inc.
 and
 Denis J. Salamone
 Made and Entered into
as of June 7, 2005
   Page 1 of 20




---



##### 



EXHIBIT 10.25
 Hudson City Bancorp, Inc.  Amended and Restated Employment Agreement
 Amended And Restated Employment Agreement Hudson City Bancorp, Inc. Denis J. Salamone
 Introductory Statement
   Agreement
 Section 1. Employment .
  Section 2. Employment Period; Remaining Unexpired Employment Period .
 rd
 rd rd
 Page 2 of 20




---



##### 



EXHIBIT 10.25
 rd
  Section 3. Duties .
  provided, however
 Section 4. Cash Compensation .
  Page 3 of 20




---



##### 



EXHIBIT 10.25
 Section 5. Employee Benefit Plans and Programs .
  Section 6. Indemnification and Insurance .
   Section 7. Outside Activities .
 provided however provided, however
 Section 8. Working Facilities and Expenses .
  Page 4 of 20




---



##### 



EXHIBIT 10.25
  Section 9. Termination of Employment Due to Death .
     Section 10. Termination Due to Disability .
    Page 5 of 20




---



##### 



EXHIBIT 10.25
   Section 11. Discharge with Cause .
       Page 6 of 20




---



##### 



EXHIBIT 10.25
   Section 12. Discharge without Cause .
      Page 7 of 20




---



##### 



EXHIBIT 10.25
  
      Page 8 of 20




---



##### 



EXHIBIT 10.25
       Page 9 of 20




---



##### 



EXHIBIT 10.25
         Page 10 of 20




---



##### 



EXHIBIT 10.25
   Section 13. Resignation .
     provided
  provided
 Page 11 of 20




---



##### 



EXHIBIT 10.25
 provided
    Section 14. Terms and Conditions of the Additional Termination Entitlements .
  Section 15. Termination Upon or Following a Change of Control .
     Page 12 of 20




---



##### 



EXHIBIT 10.25
         provided however
    Page 13 of 20




---



##### 



EXHIBIT 10.25
  provided
   Section 16. Tax Indemnification .
  (EQUATION)where:E =
    
    the percentage rate at which an excise tax is assessed under section
4999 of the Code;P =
    
    the amount with respect to which such excise tax is assessed,
determined without regard to this section 16;FI =
    
    the highest marginal rate of income tax applicable to the Executive
under the Code for the taxable year in question;
 Page 14 of 20




---



##### 



EXHIBIT 10.25
 SLI =
    
    the sum of the highest marginal rates of income tax applicable to
the Executive under all applicable state and local laws for the
taxable year in question; andM =
    
    the highest marginal
rate of Medicare tax applicable to the Executive under the Code for
the taxable year in question.
    Page 15 of 20




---



##### 



EXHIBIT 10.25
  Section 17. Covenant Not To Compete .
 provided, however
 Section 18. Confidentiality .
 provided, however
 Section 19. Solicitation .
    Page 16 of 20




---



##### 



EXHIBIT 10.25
  Section 20. No Effect on Employee Benefit Plans or Programs .
 provided, however
 Section 21. Successors and Assigns .
  Section 22. Notices .
  If to the Executive:440 Hillcrest Road
Ridgewood, New Jersey 07450If to the Company:Hudson City Bancorp, Inc.
West 80 Century Road
Paramus, New Jersey 07652-1473Attention:      Chairman, Compensation Committee
 Page 17 of 20




---



##### 



EXHIBIT 10.25
 with a copy to:Thacher Proffitt & Wood llp
Two World Financial Center
New York, New York 10281Attention:     W. Edward Bright, Esq.
 Section 23. Indemnification for Attorneys Fees .
  Section 24. Severability .
  Section 25. Waiver .
  Section 26. Counterparts .
  Section 27. Governing Law .
  Page 18 of 20




---



##### 



EXHIBIT 10.25
  Section 28. Headings and Construction .
  Section 29. Entire Agreement; Modifications .
  Section 30. Non-Duplication .
  Section 31. Relative Obligations of the Bank and the Company .
 provided, however
 Section 32. Required Regulatory Provisions .
  Page 19 of 20




---



##### 



EXHIBIT 10.25
  Denis J. SalamoneHudson City Bancorp, Inc.Attest:
    
    
    
    
    
    Attest:By
    
    
    
    
    
    ByVeronica Olszewski
Senior Vice President and
Corporate Secretary
    
    
    
    
    
    Ronald E. Hermance Jr.
Chairman of the Board of Directors,
President and Chief Executive Officer[Seal]
 Page 20 of 20