| Certification      pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of      the Sarbanes-Oxley Act of 2002                                                                                                                                                                                                                                                                                             |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Thomas      W. Schneider, President and Chief Executive Officer, and James A. Dowd,      Senior Vice President and Chief Financial Officer of Pathfinder Bancorp,      Inc. (the "Company"), each certify in his capacity as an officer of the      Company that he has reviewed the Quarterly Report of the Company on Form      10-Q for the quarter ended September 30, 2008 and that to the best of his      knowledge:  |
| 1. the      report fully complies with the requirements of Sections 13(a) of the      Securities Exchange Act of 1934; and                                                                                                                                                                                                                                                                                              |
| 2. the      information contained in the report fairly presents, in all material      respects, the financial condition and results of operations of the      Company.                                                                                                                                                                                                                                                  |
| The      purpose of this statement is solely to comply with Title 18, Chapter 63,      Section 1350 of the United States Code, as amended by Section 906 of the      Sarbanes-Oxley Act of 2002.                                                                                                                                                                                                                             |
| November 13, 2008                                                                                                                                                                                                                                                                                                                                                                                                                 | /s/ Thomas W. SchneiderThomas      W. SchneiderPresident      and Chief Executive Officer  |
| November 13, 2008                                                                                                                                                                                                                                                                                                                                                                                                                 | /s/ James A. DowdJames      A. DowdSenior      Vice President and Chief FinancialOfficer |