.
                                                                               .
                                                                               .

EXHIBIT 21  SUBSIDIARIES



                                                                JURISDICTION
SUBSIDIARY                                                      OF ORGANIZATION
- ----------                                                      ---------------
                                                             
Patriot Bank                                                     Pennsylvania
Patriot Investment Company                                       Delaware
Patriot Commercial Leasing Co., Inc.                             Pennsylvania
Marathon Management Company, Inc.                                Pennsylvania
Patriot Investment and Insurance Co., Inc.                       Pennsylvania
Patriot Advisors, Inc.                                           Pennsylvania


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