<ARTICLE> 9
<CIK> 0001000235
<NAME> PATRIOT BANK CORP.
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                  1.000
<CASH>                                           4,919
<INT-BEARING-DEPOSITS>                           3,242
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     87,334
<INVESTMENTS-CARRYING>                         348,047
<INVESTMENTS-MARKET>                           330,754
<LOANS>                                        630,196
<ALLOWANCE>                                      6,082
<TOTAL-ASSETS>                               1,129,443
<DEPOSITS>                                     502,002
<SHORT-TERM>                                   309,603
<LIABILITIES-OTHER>                              4,117
<LONG-TERM>                                    240,192
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      49,768
<TOTAL-LIABILITIES-AND-EQUITY>               1,129,443
<INTEREST-LOAN>                                 45,590
<INTEREST-INVEST>                               29,656
<INTEREST-OTHER>                                   298
<INTEREST-TOTAL>                                75,544
<INTEREST-DEPOSIT>                              20,565
<INTEREST-EXPENSE>                              51,510
<INTEREST-INCOME-NET>                           24,034
<LOAN-LOSSES>                                    1,200
<SECURITIES-GAINS>                                 507
<EXPENSE-OTHER>                                 26,402
<INCOME-PRETAX>                                  2,377
<INCOME-PRE-EXTRAORDINARY>                       2,377
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,200
<EPS-BASIC>                                        .38
<EPS-DILUTED>                                      .37
<YIELD-ACTUAL>                                    2.44
<LOANS-NON>                                      1,525
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,087
<CHARGE-OFFS>                                    1,065
<RECOVERIES>                                       104
<ALLOWANCE-CLOSE>                                6,082
<ALLOWANCE-DOMESTIC>                             6,082
<ALLOWANCE-FOREIGN>                              6,082
<ALLOWANCE-UNALLOCATED>                          6,082