<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>                                   SEP-30-1998     SEP-30-1997
<CASH>                                              17,441           2,056
<INT-BEARING-DEPOSITS>                              12,733          11,377
<FED-FUNDS-SOLD>                                         0               0
<TRADING-ASSETS>                                         0               0
<INVESTMENTS-HELD-FOR-SALE>                        393,865         336,252
<INVESTMENTS-CARRYING>                              38,569          65,324
<INVESTMENTS-MARKET>                                39,264          65,410
<LOANS>                                            450,027         398,789
<ALLOWANCE>                                         (3,108)         (2,246)
<TOTAL-ASSETS>                                     920,729         827,486
<DEPOSITS>                                         360,025         293,411
<SHORT-TERM>                                       260,200         340,645
<LIABILITIES-OTHER>                                  5,311           3,210
<LONG-TERM>                                        228,095         144,606
<PREFERRED-MANDATORY>                                    0               0
<PREFERRED>                                              0               0
<COMMON>                                                56              56
<OTHER-SE>                                          46,564          43,432
<TOTAL-LIABILITIES-AND-EQUITY>                     920,729         827,486
<INTEREST-LOAN>                                      8,676           7,304
<INTEREST-INVEST>                                    6,990           6,395
<INTEREST-OTHER>                                        54              47
<INTEREST-TOTAL>                                    15,720          13,746
<INTEREST-DEPOSIT>                                   4,543           3,457
<INTEREST-EXPENSE>                                  11,802          10,143
<INTEREST-INCOME-NET>                                3,918           3,603
<LOAN-LOSSES>                                          325             235
<SECURITIES-GAINS>                                     186             242
<EXPENSE-OTHER>                                      3,111           2,860
<INCOME-PRETAX>                                      1,323           1,084
<INCOME-PRE-EXTRAORDINARY>                           1,323           1,084
<EXTRAORDINARY>                                          0               0
<CHANGES>                                                0               0
<NET-INCOME>                                         1,040             832
<EPS-PRIMARY>                                          .21             .16
<EPS-DILUTED>                                          .20             .15
<YIELD-ACTUAL>                                        1.90            2.19
<LOANS-NON>                                            845             780
<LOANS-PAST>                                             0               0
<LOANS-TROUBLED>                                         0               0
<LOANS-PROBLEM>                                          0               0
<ALLOWANCE-OPEN>                                     2,817           1,830
<CHARGE-OFFS>                                           34              83
<RECOVERIES>                                             0              42
<ALLOWANCE-CLOSE>                                    3,108           2,246
<ALLOWANCE-DOMESTIC>                                     0               0
<ALLOWANCE-FOREIGN>                                      0               0
<ALLOWANCE-UNALLOCATED>                              3,108           2,246
        


</TABLE>