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

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<EXCHANGE-RATE>                                  1.000
<CASH>                                           5,194
<INT-BEARING-DEPOSITS>                          12,307
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    185,034
<INVESTMENTS-CARRYING>                         274,169
<INVESTMENTS-MARKET>                           282,438
<LOANS>                                        571,286
<ALLOWANCE>                                    (5,860)
<TOTAL-ASSETS>                               1,102,105
<DEPOSITS>                                     482,006
<SHORT-TERM>                                   238,704
<LIABILITIES-OTHER>                              4,233
<LONG-TERM>                                    316,145
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      54,694
<TOTAL-LIABILITIES-AND-EQUITY>               1,102,105
<INTEREST-LOAN>                                 21,677
<INTEREST-INVEST>                               14,684
<INTEREST-OTHER>                                   156
<INTEREST-TOTAL>                                36,517
<INTEREST-DEPOSIT>                              10,014
<INTEREST-EXPENSE>                              24,826
<INTEREST-INCOME-NET>                           11,691
<LOAN-LOSSES>                                      600
<SECURITIES-GAINS>                                 357
<EXPENSE-OTHER>                                  9,821
<INCOME-PRETAX>                                  3,606
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,371
<EPS-BASIC>                                        .47
<EPS-DILUTED>                                      .45
<YIELD-ACTUAL>                                    2.32
<LOANS-NON>                                        671
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,087
<CHARGE-OFFS>                                       47
<RECOVERIES>                                       630
<ALLOWANCE-CLOSE>                                5,860
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,860