Exhibit 10.2


                         SALARY CONTINUATION AGREEMENT


     THIS  AGREEMENT is  made as of  XXXXXXX between THE  ROCHESTER  COMMUNITY
SAVINGS BANK ("RCSB") and XXXXXXXXXX ("Executive").

     BACKGROUND.   Executive Is  employed by  the Bank  in a senior  executive
capacity and has acquired knowledge and expertise of considerable value to the
Bank.  In recognition of Executive's value to the Bank and of Executive's past
services, and as an inducement to secure his future services and his agreement
to  the covenants set forth herein, the Bank desires to provide Executive with
certain benefits.

     NOW, THEREFORE, to induce  Executive to remain in the employ of the Bank,
and  for  other  good  and valuable consideration, the Bank hereby agrees with
Executive as follows:

     1  DEFINITIONS.

        For  the  purposes  of  this Agreement, unless  the context  otherwise
requires,  the  following terms, when capitalized, shall have the meanings set
forth below:

        .1  "Bank"   means  The   Rochester   Community   Savings Bank and its
successors.

        .2  "Cause"  means   willful   misconduct   or  gross  negligence   by
Executive  in connection with the performance of his duties to the Bank or any
of  the RCSB Entities; misappropriation of, or intentional material damage to,
the property or business of the Bank or any of the RCSB Entities by Executive;
or commission of a felony by Executive.

        .3  "Change  in  Control Plan" means the  Rochester  Community Savings
Bank  Senior  Executive  Severance  Plan,  as  amended  to  the  date  of this
Agreement, a copy of which is attached to this Agreement as Exhibit A.

        .4  "Disability" means total  disability,  as  that  term  is  defined
in  the  long-term disability plan in effect for key executives of the Bank at
the  time the disability arises, or if no such definition is in effect, "total
disability"  shall  be  defined  in  accordance  with the Social Security Act,
provided  that  the  period  of  such  total  disability  shall exceed six (6)
consecutive months.



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        .5  "Final   Monthly  Salary"   means   an   amount   equal  to    the
Executive's highest monthly base salary paid or payable by the Bank during the
twelve months immediately preceding any Termination of Executive's employment.

        .6  "RCSB Entity"  means any  corporation, a  majority of whose shares
entitled  to  vote  for  directors  are  owned  directly or indirectly by RCSB
Financial,  Inc.  ("RCSB Financial"), the Bank or any of their subsidiaries or
any  partnership or other entity, a majority of whose voting interest is owned
directly  or  indirectly  by  RCSB  Financial,  the   Bank  or  any  of  their
subsidiaries.

        .7  "Severance  Expiration   Date"   means    the   earliest   of  the
following  to  occur:  (a) the expiration of [TWELVE (12) OR TWENTY-FOUR (24)]
full  calendar  months  after  the  month  in which Termination of Executive's
employment  occurs;  (b)  the  date  of Executive's death; and (c) Executive's
attainment of age 65.

        .8  "Termination"   means  (a)  termination   of  the  employment   of
Executive with the Bank and the RCSB Entities for any reason other than death,
Disability  or  Cause,  or  (b)  resignation of Executive within twelve months
after the occurrence of (i) a significant reduction in the nature or the scope
of  the  Executive's  authority as an executive of the Bank or any of the RCSB
Entities,  or  (ii)  a  reduction  in Executive's base salary (not taking into
account  any  increases in payroll deductions for medical or other benefits or
the effect or tax increases) payable by the Bank and the RCSB Entities, unless
any  such  reduction  in  base  salary  shall  have been mutually agreed to in
advance by the Bank and Executive.

     2  RIGHTS UNDER CHANGE IN CONTROL PLAN

        .1  Group  A Executive.   It  is  hereby  agreed  that Executive will,
so  long  as  he remains employed by the Bank, remain a participant in, and be
designated a "Group A Executive" under, the Change in Control Plan.

        .2  Effect     of    Amendments.   No    amendment,   abandonment   or
termination  of  the  Change  in  Control  Plan after the date hereof shall be
effective  to  impair or abridge the rights of Executive thereunder, provided,
however,  that any amendment to the Change in Control Plan that is required by
law  and  does not, taken as a whole, decrease the benefits to Executive under
the  Change  in Control Plan, shall be effective with respect to the Executive
and his rights under the Change in Control Plan.



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     3  TERMINATION BENEFITS

     Subject  to Executive's compliance  with the terms of Sections 4, 5 and 6
hereof,  in the event of a Termination of Executive's employment (other than a
Termination  entitling  Executive to severance payments and benefits under the
Change  in Control Plan), Executive shall be entitled to receive the severance
payments and benefits described in the following Sections 3.1 through 3.5:

        .1  Monthly  Payments.    The  Bank  will  make  monthly  payments  to
Executive  of  Executive's Final Monthly Salary, in accordance with the Bank's
normal  payroll  practices, commencing with the month after Termination occurs
and ending with the month in which the Severance Expiration Date occurs.

        .2  Supplemental  Executive   Retirement  Plan.  If, as of the date of
this  Agreement,  Executive  is  a  participant  in  a  supplemental executive
retirement  plan  (a  "SERP") maintained by the Bank or any RCSB Entity, or if
the Executive shall become covered by a SERP sponsored by the Bank or any RCSB
Entity  after  the  date  of this Agreement, Executive shall continue to be an
active  participant  in  the  SERP  until  his  Severance  Expiration Date and
contributions  to,  and  benefit  accruals  under,  any  such  SERP,  shall be
determined in accordance with the terms of the SERP as if the monthly payments
under  Section  3.1  hereof  were  "compensation"  for  services  provided  by
Executive  as  an active employee of the Bank.  Notwithstanding the foregoing,
to the extent that Executive commences receiving benefits under any such SERP,
then  from  the date such benefit payments commence from the SERP, the monthly
payments  under  Section 3.1 shall cease to be taken into account for purposes
of such SERP.

        .3  Split  Dollar  Life Insurance.   Executive  shall   continue as an
active participant in the Bank's split dollar life insurance program until the
Severance  Expiration  Date and the Bank will continue to pay its share of the
premiums  payable  thereunder until such date.  After the Severance Expiration
Date, the Bank shall transfer and assign to Executive the Bank's rights under,
and  entire  interest  in,  the  split  dollar  life insurance policy covering
Executive  upon  Executive's  payment  to  the  Bank  of the lesser of (a) the
aggregate  amount of premiums previously paid by the Bank under such insurance
policy, and (b) the cash surrender value of such insurance policy.

        .4  Continuation  of   Other Benefits.    The Executive shall receive,
at  a  cost  to  the  Executive  not  in  excess of costs imposed on similarly
situated  executives  who are actively employed by the Bank, all other welfare
and fringe benefits he would have been entitled to receive had he continued in



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the employ of the Bank until his Severance Expiration Date, including, without
limitation,  life,  medical  and  dental  insurance, automobile, and club dues
associated  with   club  memberships   provided  to  Executive  prior  to  the
Termination.    Notwithstanding  the foregoing, after Executive's Termination,
Executive  shall  not  be  entitled  to participate in any tax-qualified plans
(including,  but not limited to, the RCSB Retirement Savings Plan and the RCSB
Employee  Investment  and Stock Ownership Plan), any stock-based plans, or any
short-term  disability,  long-term  disability,  or   accidental    death   or
dismemberment plans or policies maintained by any of the RCSB Entities, except
to the extent required by applicable law.

        .5  Benefits   Superseded  by   Change in Control  Plan.  In the event
of  any Termination that entitles Executive to severance payments and benefits
under the Change in Control Plan, the Executive shall receive the payments and
benefits  provided  for under the Change in Control Plan.  In such event, this
Agreement  and  the  obligations  of  the  Bank  and Executive hereunder shall
terminate.

     4  CERTAIN RESTRICTIVE COVENANTS

     Executive   agrees  that  for  a  period  of  one-year  after Executive's
Termination,  Executive  will  not  (and he will not cause, or permit if it is
within  his  power to prevent, any other person to) employ or offer employment
to, or conduct or participate in discussions concerning the employment of, any
officer  or  employee  of any RCSB Entity without the prior written consent of
the Bank.

     5  CONFIDENTIALITY

        .1  Confidential  Information.   Executive  acknowledges  that  he has
no  right  to  use  or disclose to any person, firm or corporation information
concerning  any  customer  list,  trade  or  business secrets or confidential,
commercial  or  financial  information  of  the  RCSB Entities that he knew or
should  have  known  was  intended by the RCSB Entities to be confidential and
that he did not have reason to believe had been made public other than through
his  breach  of  this  Section  5 (collectively, "Confidential Information"). 
Accordingly, Executive covenants and agrees that he shall not use, and he will
not  permit  if  it  is within his reasonable power to prevent the use of, any
Confidential  Information,  and shall not divulge any Confidential Information
to  any  person,  firm or corporation whatsoever, except as may be required by
applicable  law.   The Bank agrees that Executive may obtain future employment
in  the  banking  or financial services industry and, in that capacity, he may
use general information and knowledge regarding business and banking practices



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and  information other than Confidential Information, some or all of which may
have  been acquired or developed while Executive was employed by the Bank, and
such use will not be deemed a violation of this Section 5.

        .2  No  Removal of  Confidential  Information.   Executive agrees that
on  and  after  his  Termination,  he  will not remove from the RCSB Entities,
reproduce  or  make  abstracts of any Confidential Information belonging to or
within the custody or possession of any of the RCSB Entities, and that he will
return  to  RCSB,  or destroy and certify the destruction of, any Confidential
Information in his possession or under his control.

        .3  Required  Notices.   In the event  that  Executive  believes  that
any  Confidential  Information  is  excepted  from  his obligations under this
Section 5, or he is requested or becomes legally compelled (by oral questions,
interrogatories,  requests for information or documents, subpoena, criminal or
civil  investigative  demand  or similar process) to disclose any Confidential
Information,  he  will  use his best efforts to provide the RCSB Entities with
prompt  written notice so that they may seek (with Executive's cooperation, if
so  requested  by  the  Bank)  a  protective order or other appropriate remedy
and/or  waive  compliance  with  the  provisions  of this Agreement.  The RCSB
Entities will advise Executive promptly of the action they intend to take.  In
the event that such protective order or other remedy is not promptly obtained,
or  that  the  Bank  waives  compliance with the provisions of this Agreement,
Executive  will  furnish  or  use  only  that  portion   of  the  Confidential
Information  which is legally required or otherwise permitted.  In the absence
of instruction from any appropriate governmental agency (or the staff thereof)
or  court  of  competent  jurisdiction, any decision as to what portion of the
Confidential  Information  is legally required to be furnished will be made by
Executive in consultation with the Bank.

     6  SPECIFIC PERFORMANCE

        Executive acknowledges  that any breach of the  covenants set forth in
Sections  4 and 5 hereof will cause irreparable damage that would be incapable
of precise measurement and for which no adequate remedy would exist at law and
agrees  that  injunctive  relief,  in addition to all other remedies, shall be
available  therefor.  It is the intent and understanding of the parties hereto
that if, in any action before any court or agency legally empowered to enforce
this  Agreement,  any  term,  restriction, covenant, or promise is found to be
unreasonable  and  for that reason unenforceable, then such term, restriction,
covenant,  or promise shall be deemed modified to the extent necessary to make
it enforceable by such court or agency, and, if it cannot be so modified, that



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it  shall  be  deemed  amended  to  delete therefrom such provision or portion
adjudicated  to be invalid or unenforceable, such modification or amendment in
any event to apply only with respect to the operation of this Agreement in the
particular jurisdiction in which such adjudication is made.

     7  MISCELLANEOUS

        .1  Rights  to   Contractual  Benefits.   The  rights  of Executive to
benefits  under  this Agreement shall be solely those of an unsecured creditor
of the Bank.

        .2  Successors.    This  Agreement  shall be binding upon and inure to
the  benefit  of Executive, his beneficiaries and estate, and the Bank and any
successor  to  the  Bank,  but  neither  this Agreement nor any rights arising
hereunder  may  be  assigned  or pledged by Executive except by will or by the
laws of descent and distribution.

        .3  No Right  to Continued  Employment.   Nothing in  this   Agreement
shall  be  deemed  to give Executive the right to be retained in the employ of
the Bank or any RCSB Entity, or to interfere with the right of the Bank or any
RCSB  Entity  to  discharge him at any time and for any lawful reason, with or
without notice, subject in all cases to the terms of this Agreement.

        .4  Transfer   to   Subsidiary.    In   the   event  that Executive is
transferred  to  an RCSB Entity other than the Bank, the Bank agrees that this
Agreement  shall  be amended in such manner as may be necessary or appropriate
to  ensure  that  this  Agreement  will continue to provide Executive with the
benefits and protections intended to be provided hereby.

        .5  Effect   of   Bank's  Merger or Transfer of Assets.  Except as set
forth  in  Section  3.6, this Agreement shall not be terminated or affected in
any  way  by  any: (a) merger or consolidation involving RCSB Financial or the
Bank;  or  (b)  transfer  of  all  or  substantially all of the assets of RCSB
Financial  or  the  Bank.   In the event of any such merger, consolidation the
Bank  or  transfer of assets of the Bank, the surviving or resulting entity or
the  transferee  the  Bank's  assets  shall be bound by the provisions of this
Agreement.    The  Bank  shall  take all actions necessary to ensure that such
entity or transferee is bound by the provisions of this Agreement.



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        .6  Severability.    Any   provision   in   this    Agreement  that is
prohibited  or  unenforceable  shall be ineffective only to the extent of such
prohibition  or  unenforceability  without  invalidating   or  affecting   the
remaining provisions hereof.

        .7  Entire  Agreement; Amendment.    This  Agreement  constitutes  the
entire agreement between the parties with respect to the subject matter hereof
and  supersedes  all  previous proposals, both oral and written, negotiations,
representations,  commitments,  writings  and all other communications between
the  parties.    It  may not be released, discharged, or modified except by an
instrument in writing signed by both parties.

        .8  Withholding  Taxes.    Any  payments  or   benefits  provided   to
Executive  hereunder  shall  be  subject  to  Executive's  satisfaction of any
applicable  withholding  required  under  federal,  state or local law and any
additional withholding to which Executive has agreed.

        .9  Headings.    The  headings   and  captions herein are provided for
reference and convenience only, shall not be considered part of the Agreement,
and shall not be employed in the construction of the Agreement.

        .10  Governing   Law.    This  Agreement  shall  in all   respects  be
governed  by,  and  construed in accordance with, the laws of the State of New
York applicable to contracts made and to be performed therein.

        IN WITNESS  WHEREOF, the  parties have  executed this Agreement on the
date first above set forth.



                                  __________________________
                                  XXXXXXXXXXXX

                                  THE ROCHESTER COMMUNITY SAVINGS BANK

                                   By      __________________________
                                           Leonard S. Simon

                                   Title   Chairman of the Board of Directors,
                                           President and Chief 
                                           Executive Officer



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