EXHIBIT 23.1 INDEPENDENT AUDITORS' CONSENT

The Board of Directors
Patriot Bank Corp.

         We consent to the incorporation by reference in the registration
statements (No. 333-97307, No. 333-13981 and No. 333-62123) on Forms S-8 of
Patriot Bank Corp. of our report dated February 20, 2004, with respect to the
consolidated balance sheets of Patriot Bank Corp. as of December 31, 2003 and
2002, and the related consolidated statements of income, shareholders' equity,
and cash flows for each of the years in the three-year period ended December 31,
2003, which report appears in the December 31, 2003 annual report on Form 10-K
of Patriot Bank Corp. Our report refers to the adoption of Statement of
Financial Accounting Standards (SFAS) No. 142, Goodwill and Other Intangible
Assets in 2002, and SFAS No. 133, Accounting for Derivative Instruments and
Hedging Activities in 2001.

KPMG  LLP

KPMG LLP
Philadelphia, Pennsylvania
March 10, 2004

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