<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
     This schedule contains summary information extracted from the
     Form 10-Q and is qualified in its entirety by reference to
     such financial statements
</LEGEND>
<CIK>                         0001000235
<NAME>                        PATRIOT BANK CORP.
<MULTIPLIER>                  1,000
       
<S>                                        <C>                <C>
<PERIOD-TYPE>                              3-MOS              3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998        DEC-31-1997
<PERIOD-END>                               JUN-30-1998        JUN-30-1997
<CASH>                                          10,174                921
<INT-BEARING-DEPOSITS>                             117              2,960
<FED-FUNDS-SOLD>                                     0                  0
<TRADING-ASSETS>                                     0                  0
<INVESTMENTS-HELD-FOR-SALE>                    337,989            259,056
<INVESTMENTS-CARRYING>                          48,454             69,134
<INVESTMENTS-MARKET>                            48,881             68,943
<LOANS>                                        463,434            345,286
<ALLOWANCE>                                     (2,817)            (2,041)
<TOTAL-ASSETS>                                 876,303            699,015
<DEPOSITS>                                     365,604            283,331
<SHORT-TERM>                                   263,528            231,416
<LIABILITIES-OTHER>                              4,649              5,242
<LONG-TERM>                                    190,648            129,525
<PREFERRED-MANDATORY>                                0                  0
<PREFERRED>                                          0                  0
<COMMON>                                            56                 47
<OTHER-SE>                                      47,214             47,454
<TOTAL-LIABILITIES-AND-EQUITY>                 876,303            699,015
<INTEREST-LOAN>                                  8,757              6,307
<INTEREST-INVEST>                                6,687              4,986
<INTEREST-OTHER>                                   127                 30
<INTEREST-TOTAL>                                15,571             11,323
<INTEREST-DEPOSIT>                               4,368              3,272
<INTEREST-EXPENSE>                              11,364              7,730
<INTEREST-INCOME-NET>                            4,207              3,593
<LOAN-LOSSES>                                      300                120
<SECURITIES-GAINS>                               1,115                104
<EXPENSE-OTHER>                                  4,131              2,521
<INCOME-PRETAX>                                  1,308              1,208
<INCOME-PRE-EXTRAORDINARY>                       1,308              1,208
<EXTRAORDINARY>                                      0                  0
<CHANGES>                                            0                  0
<NET-INCOME>                                     1,008                838
<EPS-PRIMARY>                                      .20                .14
<EPS-DILUTED>                                      .19                .14
<YIELD-ACTUAL>                                    2.01               2.39
<LOANS-NON>                                        634                741
<LOANS-PAST>                                         0                  0
<LOANS-TROUBLED>                                     0                  0
<LOANS-PROBLEM>                                      0                  0
<ALLOWANCE-OPEN>                                 2,813              1,830
<CHARGE-OFFS>                                      296                 50
<RECOVERIES>                                         0                 36
<ALLOWANCE-CLOSE>                                2,817              2,041
<ALLOWANCE-DOMESTIC>                                 0                  0
<ALLOWANCE-FOREIGN>                                  0                  0
<ALLOWANCE-UNALLOCATED>                          2,817              2,041
        


</TABLE>