<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>
<PERIOD-TYPE>                         9-MOS
<FISCAL-YEAR-END>                                                DEC-31-1997
<PERIOD-END>                                                     SEP-30-1997
<CASH>                                                                 2,056
<INT-BEARING-DEPOSITS>                                                11,377
<FED-FUNDS-SOLD>                                                           0
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                          336,252
<INVESTMENTS-CARRYING>                                                65,324
<INVESTMENTS-MARKET>                                                  65,410
<LOANS>                                                              398,789
<ALLOWANCE>                                                           (2,246)
<TOTAL-ASSETS>                                                       827,486
<DEPOSITS>                                                           293,411
<SHORT-TERM>                                                         340,654
<LIABILITIES-OTHER>                                                    3,210
<LONG-TERM>                                                          126,200
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<COMMON>                                                                  56
<OTHER-SE>                                                            43,432
<TOTAL-LIABILITIES-AND-EQUITY>                                       827,486
<INTEREST-LOAN>                                                       19,152
<INTEREST-INVEST>                                                     16,102
<INTEREST-OTHER>                                                         136
<INTEREST-TOTAL>                                                      35,390
<INTEREST-DEPOSIT>                                                     9,822
<INTEREST-EXPENSE>                                                    14,847
<INTEREST-INCOME-NET>                                                 24,669
<LOAN-LOSSES>                                                            460
<SECURITIES-GAINS>                                                       432
<EXPENSE-OTHER>                                                        7,752
<INCOME-PRETAX>                                                        3,565
<INCOME-PRE-EXTRAORDINARY>                                             3,565
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                           2,481
<EPS-PRIMARY>                                                            .53
<EPS-DILUTED>                                                            .53
<YIELD-ACTUAL>                                                          2.42
<LOANS-NON>                                                              780
<LOANS-PAST>                                                               0
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                            0
<ALLOWANCE-OPEN>                                                       1,830
<CHARGE-OFFS>                                                             83
<RECOVERIES>                                                              42
<ALLOWANCE-CLOSE>                                                      2,246
<ALLOWANCE-DOMESTIC>                                                       0
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                2,246
        


</TABLE>