EXHIBIT 32.2      Section 906 - CFO Certification

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Patriot Bank Corp. (the "Company") on
Form 10-Q for the period ending June 30, 2003, as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), I, James G. Blume, Chief
Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350,
as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

         (1) The Report fully complies with the requirements of section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

         (2) The information contained in the Report fairly presents, in all in
material respects, the financial condition and result of operations of the
Company.

/s/ JAMES G. BLUME
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James G. Blume
Chief Financial Officer
August 11, 2003

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