UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

FORM 15

CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER
SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934.



Commission File Number 000-25027


Cohoes Bancorp, Inc.
(Exact name of registrant as specified in its charter)


75 Remsen Street, Cohoes, New York 12047
(518) 233-6500
(Address, including zip code, and telephone number, including area code, of
registrant's principal executive offices)


Common Stock ($0.01 par value)
(Title of each class of securities covered by this Form)


None
(Titles of all other classes of securities for which a duty to file reports
under section 13(a) or 15(d) remains)

            Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to terminate or suspend the duty to file reports:

Rule 12g-4(a)(1)(i)   X	Rule 12h-3(b)(1)(i)
Rule 12g-4(a)(1)(ii)	Rule 12h-3(b)(1)(ii)
Rule 12g-4(a)(2)(i)	Rule 12h-3(b)(2)(i)
Rule 12g-4(a)(2)(ii)	Rule 12h-3(b)(2)(ii)
	Rule 15d-6

            Approximate number of holders of record as of the certification or notice date:      None.







SIGNATURES

            Pursuant to the requirements of the Securities Exchange Act of 1934, Cohoes Bancorp, Inc. has caused this certification/notice to be signed on its behalf by the undersigned duly authorized person.

Date: April 20, 2001 By:       /s/ Carl A. FlorioCarl A. Florio
President and Chief Executive Officer