<TABLE> <S> <C>


<ARTICLE>                                            9

<CIK>                         0001000235
<NAME>                        Patriot Bank Corp.  
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
<S>                             <C>                               <C>
<PERIOD-TYPE>                   12-MOS                            12-MOS                      
<FISCAL-YEAR-END>                              DEC-31-1998                       DEC-31-1997    
<PERIOD-START>                                 JAN-01-1998                       JAN-01-1997  
<PERIOD-END>                                   DEC-31-1998                       DEC-31-1997  
<EXCHANGE-RATE>                                      1.000                             1.000        
<CASH>                                               1,044                             2,597        
<INT-BEARING-DEPOSITS>                              29,443                             6,417        
<FED-FUNDS-SOLD>                                         0                                 0            
<TRADING-ASSETS>                                         0                                 0            
<INVESTMENTS-HELD-FOR-SALE>                        386,380                           343,125      
<INVESTMENTS-CARRYING>                              29,639                            62,516       
<INVESTMENTS-MARKET>                                29,909                            62,817       
<LOANS>                                            509,080                           422,209      
<ALLOWANCE>                                         (4,087)                           (2,512)      
<TOTAL-ASSETS>                                     980,761                           852,083      
<DEPOSITS>                                         377,796                           289,528      
<SHORT-TERM>                                       235,123                           385,684      
<LIABILITIES-OTHER>                                 11,384                             7,138        
<LONG-TERM>                                        314,198                           123,200      
<PREFERRED-MANDATORY>                                    0                                 0            
<PREFERRED>                                              0                                 0            
<COMMON>                                                56                                56           
<OTHER-SE>                                          42,204                            46,477       
<TOTAL-LIABILITIES-AND-EQUITY>                     980,761                           852,083      
<INTEREST-LOAN>                                     35,242                            27,008       
<INTEREST-INVEST>                                   27,521                            23,048       
<INTEREST-OTHER>                                       344                               193          
<INTEREST-TOTAL>                                    63,107                            50,249       
<INTEREST-DEPOSIT>                                  17,382                            13,405       
<INTEREST-EXPENSE>                                  46,236                            35,807       
<INTEREST-INCOME-NET>                               16,871                            14,442       
<LOAN-LOSSES>                                        1,200                               915          
<SECURITIES-GAINS>                                   1,850                               438          
<EXPENSE-OTHER>                                     14,267                            11,158       
<INCOME-PRETAX>                                      5,277                             4,699        
<INCOME-PRE-EXTRAORDINARY>                           4,055                             3,373        
<EXTRAORDINARY>                                          0                                 0            
<CHANGES>                                                0                                 0            
<NET-INCOME>                                         4,055                             3,373        
<EPS-PRIMARY>                                         0.83                              0.62         
<EPS-DILUTED>                                         0.78                              0.59         
<YIELD-ACTUAL>                                        2.01                              2.14         
<LOANS-NON>                                            940                               777          
<LOANS-PAST>                                             0                                 0            
<LOANS-TROUBLED>                                         0                                 0            
<LOANS-PROBLEM>                                          0                                 0            
<ALLOWANCE-OPEN>                                     2,512                             1,830        
<CHARGE-OFFS>                                          512                               276          
<RECOVERIES>                                             9                                43           
<ALLOWANCE-CLOSE>                                    4,087                             2,512        
<ALLOWANCE-DOMESTIC>                                     0                                 0            
<ALLOWANCE-FOREIGN>                                      0                                 0            
<ALLOWANCE-UNALLOCATED>                              4,087                             2,512        
                                                                             
                                                                             

</TABLE>