<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>                          MAR-31-1998        MAR-31-1997
<CASH>                                      3,174              1,086
<INT-BEARING-DEPOSITS>                      6,215              1,713
<FED-FUNDS-SOLD>                                0                  0
<TRADING-ASSETS>                                0                  0
<INVESTMENTS-HELD-FOR-SALE>               351,374            211,675
<INVESTMENTS-CARRYING>                     56,890             71,009
<INVESTMENTS-MARKET>                       59,926             70,406
<LOANS>                                   439,324            294,799
<ALLOWANCE>                                (2,813)            (1,927)
<TOTAL-ASSETS>                            880,298            594,055
<DEPOSITS>                                344,550            266,280
<SHORT-TERM>                              319,722            191,244
<LIABILITIES-OTHER>                         7,016              4,489
<LONG-TERM>                               154,200             84,000
<PREFERRED-MANDATORY>                           0                  0
<PREFERRED>                                     0                  0
<COMMON>                                       56                 47
<OTHER-SE>                                 50,891             47,995
<TOTAL-LIABILITIES-AND-EQUITY>            880,298            504,055
<INTEREST-LOAN>                             8,220              5,540
<INTEREST-INVEST>                           6,849              4,750
<INTEREST-OTHER>                               50                 30
<INTEREST-TOTAL>                           15,119             10,320
<INTEREST-DEPOSIT>                          3,961              3,094
<INTEREST-EXPENSE>                         10,923              6,796
<INTEREST-INCOME-NET>                       4,196              3,524
<LOAN-LOSSES>                                 250                105
<SECURITIES-GAINS>                            304                 86
<EXPENSE-OTHER>                             3,353              2,373
<INCOME-PRETAX>                             1,257              1,271
<INCOME-PRE-EXTRAORDINARY>                  1,257              1,271
<EXTRAORDINARY>                                 0                  0
<CHANGES>                                       0                  0
<NET-INCOME>                                  959                810
<EPS-PRIMARY>                                 .19                .14
<EPS-DILUTED>                                 .18                .13
<YIELD-ACTUAL>                               2.02               2.43
<LOANS-NON>                                   950                723
<LOANS-PAST>                                    0                  0
<LOANS-TROUBLED>                                0                  0
<LOANS-PROBLEM>                                 0                  0
<ALLOWANCE-OPEN>                            2,512              1,830
<CHARGE-OFFS>                                  25                 16
<RECOVERIES>                                   78                  1
<ALLOWANCE-CLOSE>                           2,813              1,927
<ALLOWANCE-DOMESTIC>                            0                  0
<ALLOWANCE-FOREIGN>                             0                  0
<ALLOWANCE-UNALLOCATED>                     2,813              1,927
        



</TABLE>