EXHIBIT 10(a)(11)

2007 CHANGE OF CONTROL AGREEMENT

This CHANGE OF CONTROL AGREEMENT (the "AGREEMENT") is made and entered into as
of January 1, 2007, by, between and among CHARLES F. HOWELL of Danbury,
Connecticut ("EXECUTIVE"), PATRIOT NATIONAL BANK, a national banking association
with headquarters located in Stamford, Connecticut ("BANK") and PATRIOT NATIONAL
BANCORP, INC., the parent bank holding company of the Bank ("BANCORP").

W I T N E S S E T H

WHEREAS, it is contemplated that from time to time one or more entities may
consider the possibility of acquiring Bancorp or Bank or that a Change of
Control (as hereinafter defined) may otherwise occur, with or without the
approval of the Board of Directors of Bancorp or the Board of Directors of Bank;
and

WHEREAS, the Board of Directors of Bancorp has determined that it is in the best
interests of Bancorp and its securityholders to provide incentive to Executive
to remain employed as an executive officer of Bancorp and Bank during any period
prior to or during a possible Change of Control of Bancorp or the Bank and for a
period of up to six months following a Change of Control of Bancorp or Bank,
with the continued dedication and objectivity of Executive, notwithstanding the
possibility, threat or occurrence of a Change of Control; and

WHEREAS, the Executive, Bancorp and the Bank entered into an Employment
Agreement dated October 23, 2003 that contains Change of Control provisions and
the Executive, Bancorp and the Bank desire to amend such provisions in their
entirety as set forth herein; and

WHEREAS, the Parties (as hereinafter defined) desire to enter into this
Agreement to reflect the terms and conditions contained herein; and

WHEREAS, this Agreement supersedes in its entirety the Change of Control
provisions in Executive's Employment Agreement dated October 23, 2003;

NOW, THEREFORE, in consideration of the mutual promises and covenants
hereinafter described and for other good and valuable consideration the receipt
and sufficiency of which is hereby acknowledged, the Parties hereto hereby agree
as follows:

1. DEFINED TERMS. The terms defined below shall have the following meanings for
purposes of this Agreement:

(a) "AGREEMENT" means this Change of Control Agreement, as amended, restated,
supplemented or modified from time to time and together with any exhibits or
attachments hereto.

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(b) "CAUSE" shall mean (i) the continued failure by Executive substantially to
perform his duties as an executive officer of Bank (other than any such failure
resulting from his incapacity due to physical or mental illness) or (ii) the
engaging by Executive in conduct which is materially injurious to Bank,
monetarily or otherwise, in either case as determined by the Board of Directors
of Bank.

(c) "CHANGE OF CONTROL" means:

(i) a change in control of the direction and administration of Bancorp's
business of a nature that would be required to be reported in response to Item
6(e) of Schedule 14A of Regulation 14A (or any successor rule or regulation)
promulgated under the Exchange Act, whether or not Bancorp is then subject to
such reporting requirements;

(ii) any person (as such term is used in Sections 14(d) and 14(d)(2) of the
Exchange Act but excluding any employee benefit plan of Bancorp or the Bank),
other than (x) Angelo De Caro and his family members or family trusts, or (y)
any trustee or other fiduciary holding securities under an employee benefit plan
of Bancorp or the Bank, by merger or otherwise, is or becomes the "beneficial
owner" (as defined in Rule 13d-3 under the Exchange Act), directly or
indirectly, of securities of Bancorp representing 25% or more of the combined
voting power of Bancorp's outstanding securities then entitled ordinarily (and
apart from rights accruing under special circumstances) to vote for the election
of directors;

(iii) the Bancorp shall complete a sale of all or substantially all of the
assets of Bancorp;

(iv) the Bank shall complete a sale of all or substantially all of the assets of
Bank;

(v) the Board of Directors of Bancorp shall approve any merger, consolidation or
like business combination or reorganization of Bancorp, the consummation of
which results in the occurrence of any event described in clause (ii) above;

(vi) the Board of Directors of Bank shall approve any merger, consolidation or
like business combination or reorganization of Bank, the consummation of which
results in someone other than Bancorp owning the Bank or its successor;

(vii) the Board of Directors of Bancorp determines that any person (as such term
is used in Sections 14(d) and 14(d)(2) of the Exchange Act but excluding any
employee benefit plan of Bancorp), other than Angelo De Caro and his family
members or family trusts, directly or indirectly exercises a controlling
influence over the management or policies of Bancorp; or

(viii) the Board of Directors of Bank determines that any person (as such term
is used in Sections 14(d) and 14(d)(2) of the Exchange Act but excluding any
employee benefit plan of Bank), other than Bancorp or Angelo De Caro and his
family members or family
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trusts, directly or indirectly exercises a controlling influence over the
management or policies of Bank;

PROVIDED, HOWEVER, that (i) the filing of a Form 13D or G by any person or (ii)
any event mandated or directed by a regulatory body having jurisdiction over
Bancorp's or Bank's operations, shall not of itself be deemed a Change of
Control.

(d) "CHANGE OF CONTROL PAYMENTS" has the meaning set forth in Section 2 of this
Agreement.

(e) "DISABILITY" means any physical or mental condition that (i) would qualify
Executive for a disability benefit under any long-term disability plan
maintained by Bank and applicable to such Executive, or (ii) renders Executive
unable to perform substantially his obligations as an executive officer of Bank
for the reasonably foreseeable future (not less than ninety (90) days), as
determined by the Board of Directors of Bank after considering competent medical
evidence.

(f) "EXCHANGE ACT" means the Securities Exchange Act of 1934, as amended.

(g) "INTERNAL REVENUE CODE" means the Internal Revenue Code of 1986, as amended.

(h) "PARTY" or "PARTIES" means, individually or collectively, Executive, Bancorp
and/or Bank.

(i) "PATRIOT" means, collectively, Bancorp and Bank.

2. CHANGE OF CONTROL PAYMENT.

(a) If there is a Change of Control, (i) during any time Executive is a
full-time executive officer of Bancorp or the Bank, or (ii) within six (6)
months following the date of Executive's termination of employment by Bank,
other than for Cause or by reason of Executive's death or Disability, then
Executive shall be entitled to receive a payment (the "CHANGE OF CONTROL
PAYMENT") in consideration of services previously rendered to Patriot. The
Change of Control Payment shall be made as a lump sum cash payment equal to the
greater of (A) 2.5 times Executive's annual base salary (calculated as of the
date of the Change of Control or, in the case of Section 2(a)(ii), calculated as
of the date of prior termination), or (B) 2.5 times Executive's total
compensation, including salary and any cash incentive compensation, from Patriot
for services rendered for the last full calendar year immediately preceding the
Change of Control. The Change of Control Payment shall be paid in full within 15
days following the date of the Change of Control; PROVIDED, HOWEVER, that such
payment may be deferred for such period (not to exceed six months) following the
date of the Change of Control if Bancorp or the Bank requests that Executive
continue to provide services to it. If Executive voluntarily terminates
employment with Bancorp or the Bank prior to the date (not more than six months
following the date of the Change of Control) specified by Bancorp or the
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Bank, Executive shall forfeit his right to receive the Change of Control
Payment. The Change of Control Payment shall not be reduced by any compensation
which Executive may receive from Bancorp or the Bank or from other employment
with another employer should Executive's employment with Bancorp or the Bank
terminate. In addition, and notwithstanding the foregoing, in the event
Executive gives Bancorp or the Bank notice that Executive will voluntarily
terminate his employment pursuant to his employment agreement with Bancorp or
the Bank and thereafter a Change of Control occurs, Executive shall have no
right to receive the Change of Control Payment.

(b) All payments made pursuant to this Agreement will be subject to withholding
of applicable income and employment taxes.

(c) If, after a Change of Control, Executive prevails in any action to enforce
this Agreement, then Bancorp or the Bank shall be obligated to reimburse
Executive for all reasonable fees and expenses, including reasonable attorneys'
fees of counsel chosen by Executive in his sole discretion.

(d) Notwithstanding any other provision of this Agreement or of any other
agreement, understanding or compensation plan, Bank shall not be obligated to
pay any amounts which violate restrictions imposed, or which may in the future
be imposed, on such payments by Bank pursuant to Section 18(k)(1) of the Federal
Deposit Insurance Act, or any regulations or orders which are or may be
promulgated thereunder; nor shall any payments be made which would constitute an
"unsafe or unsound banking practice" pursuant to 12 U.C.C. Section 18(b).

(e) Notwithstanding any other provision hereof, in the event that any payment or
benefit received or to be received by Executive in connection with a Change of
Control would not be deductible (in whole or part) as a result of Section 280G
of the Internal Revenue Code, by Patriot, an affiliate or other person making
such payment or providing such benefit, the Change of Control Payment shall be
reduced until no portion is not deductible, or the Change of Control Payment is
reduced to zero. For purposes of this limitation, (i) no portion of the Change
of Control Payment the receipt or enjoyment of which Executive shall have
effectively waived in writing prior to the date of payment of the Change of
Control Payment shall be taken into account; (ii) no portion of the Change of
Control Payment shall be taken into account which in the opinion of tax counsel
selected by Patriot's independent auditors and acceptable to Executive does not
constitute a "parachute payment" within the meaning of Section 280G(b)(2) of the
Internal Revenue Code; (iii) the Change of Control Payment shall be reduced only
to the extent necessary so that such payment shall constitute reasonable
compensation for services actually rendered within the meaning of Section
280G(b)(4) of the Internal Revenue Code or are otherwise not subject to
disallowance as deductions, in the opinion of the tax counsel referred to in
clause (ii); and (iv) the value of any non cash benefit or any deferred payment
or benefit included in the Change of Control Payment shall be determined by
Patriot's independent auditors, in accordance with the principles of Sections
280G(d)(3) and (4) of the Internal Revenue Code. In the event that Patriot's
independent auditors cannot or decline to act as aforesaid, their duties may be
discharged by such other independent professional firm as the Board of Directors
of Bancorp may determine.

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3. TERM. This Agreement shall terminate on the earliest of: (i) immediately,
upon Executive's voluntary resignation or termination of employment with Bancorp
or the Bank for Cause, death or Disability, (ii) six months following
Executive's termination of employment with Bancorp or the Bank, other than for
Cause, death or Disability, or (iii) six months following receipt by Executive
of the Change of Control Payment.

4. ASSIGNMENT. This Agreement will be binding on and will inure to the benefit
of the Parties hereto and their respective successors, permitted assigns and
legal representatives. Without otherwise limiting the foregoing, "Bancorp" or
"Bank" as used herein shall refer to any successor institution whether by
merger, consolidation, acquisition or otherwise.

5. NON-COMPETITION AGREEMENT. If Executive receives the Change of Control
Payment, Executive absolutely and unconditionally agrees with Bancorp and Bank
that, for a period of six (6) months from the date of receipt of the Change of
Control Payment, Executive will not, anywhere in the Restricted Area (as defined
below), either directly or indirectly, solely or jointly with any person or
persons (a "COMPETITOR"), as an employee, consultant or advisor (whether or not
engaged in business for profit), or as an individual proprietor, partner,
shareholder (provided that ownership of less than 5% of the voting power shall
be permitted), director, officer, joint venturer, investor (provided that such
investment will not be a violation if it is limited to less than 5% of the
ownership of such entity), lender or in any other capacity, compete with the
business of Bancorp or the Bank as conducted or proposed to be conducted as of
the date of the Change of Control. As used herein, "RESTRICTED AREA" shall be
Fairfield and New Haven Counties, Connecticut; Westchester, Nassau and Suffolk
Counties, New York and Manhattan, New York, and any town or branch in which the
Bank has an office as of the time of the Change of Control.

6. ENTIRE AGREEMENT; NO WAIVER. This Agreement contains the entire agreement
between the Parties with respect to the subject matter herein and may not be
modified or amended except by a written instrument signed by the Parties.
Neither the failure to insist upon strict performance of any of the terms,
covenants or conditions of this Agreement, nor the acceptance of monies due
hereunder with knowledge of a breach of this Agreement, shall be deemed a waiver
of any rights or remedies that either Party may have or a waiver of any
subsequent breach or default in any of such agreements, terms, covenants and
conditions.

7. FURTHER INSTRUMENTS. Each of the Parties agrees to execute all further
instruments and documents and to take all further action as the other Party may
reasonably request in order to effectuate the terms and purposes of this
Agreement.

8. MODIFICATION AND SEVERABILITY. Wherever possible, each provision of this
Agreement shall be interpreted in such manner as to be effective and valid under
applicable law, but if any provision of this Agreement shall be prohibited by or
invalid under applicable law, such provision shall be deemed modified to the
extent necessary to make it enforceable under applicable law. If any such
provision is not enforceable as set forth in the preceding sentence, the
unenforceability of such provision shall not affect the other provisions of this
Agreement, but this Agreement shall be construed as if such unenforceable
provision had never been contained herein.

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9. GOVERNING LAW. It is the intention of the Parties that the internal
substantive laws, and not the laws of conflicts, of the State of Connecticut
should govern the enforceability and validity of this Agreement, the
construction of its terms and the interpretation of the rights and duties of the
Parties.

10. JURY WAIVER. The Parties, and any principals for whom they are agents, waive
the right to a trial by jury in any action arising between the Parties or their
principals under this Agreement, whether such actions are claims in contract,
tort, statute, or otherwise, or made by claim, counterclaim, third-party claim
or otherwise.

11. NOTICES. All notices, requests, consents, instructions, approvals and other
communications required or permitted hereunder shall be validly given, if in
writing and delivered personally, or sent by registered or certified mail or
nationally recognized air courier service, postage prepaid at the address listed
above or at such other address as such Party may specify by written notice to
each other Party. Each such notice, request, consent, instruction, approval and
other communication shall for all purposes of this Agreement be treated as being
effective or having been given when delivered, if delivered personally, or, if
sent by mail, at the earlier of its actual receipt or three (3) days after the
same has been deposited in a regularly maintained receptacle for the deposit of
United States mail, addressed and postage prepaid as aforesaid, and if by air
courier, one (1) day after the same has been deposited with such air courier.

12. HEADINGS. The titles and headings of the various sections and paragraphs in
this Agreement are intended solely for convenience of reference and are not
intended for any other purpose whatsoever, or to explain, modify or place any
construction upon or on any of the provisions of this Agreement.

13. INTERPRETATION. This Agreement shall be construed as a whole according to
its fair meaning. It shall not be construed strictly for or against either
Party. Unless the context indicates otherwise, the term "or" shall be deemed to
include the term "and" and the singular or plural number shall be deemed to
include the other.

14. COUNTERPARTS. This Agreement may be executed in one or more counterparts,
each of which will be deemed an original, but which collectively will constitute
one and the same instrument.

[Signature page follows]

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IN WITNESS WHEREOF, the Parties have executed this Agreement on the date first
above written.

PATRIOT NATIONAL BANCORP, INC.

By:
/s/ Angelo De Caro-
Angelo De Caro
Chairman of the Board of Directors

PATRIOT NATIONAL BANK

By:
/s/ Angelo De Caro
Angelo De Caro
Chairman of the Board of Directors

EXECUTIVE

/s/ Charles F. Howell
Charles F. Howell

 
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