<ARTICLE> 9
<LEGEND>
This schedule contains summary information extracted from the Form 10-Q and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK> 0001000235
<NAME> PATRIOT BANK CORP.
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                           2,992
<INT-BEARING-DEPOSITS>                           4,384
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     98,119
<INVESTMENTS-CARRYING>                          71,706
<INVESTMENTS-MARKET>                            71,124
<LOANS>                                        232,867
<ALLOWANCE>                                    (1,814)
<TOTAL-ASSETS>                                 417,746
<DEPOSITS>                                     218,688
<SHORT-TERM>                                   109,900
<LIABILITIES-OTHER>                              5,155
<LONG-TERM>                                     30,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            39
<OTHER-SE>                                      53,964
<TOTAL-LIABILITIES-AND-EQUITY>                 417,746
<INTEREST-LOAN>                                  8,242
<INTEREST-INVEST>                                3,757
<INTEREST-OTHER>                                    69
<INTEREST-TOTAL>                                12,068
<INTEREST-DEPOSIT>                               4,666
<INTEREST-EXPENSE>                               6,454
<INTEREST-INCOME-NET>                            5,614
<LOAN-LOSSES>                                      115
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,672
<INCOME-PRETAX>                                  2,019
<INCOME-PRE-EXTRAORDINARY>                       1,260
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,260
<EPS-PRIMARY>                                     0.36
<EPS-DILUTED>                                     0.36
<YIELD-ACTUAL>                                    3.45<F1>
<LOANS-NON>                                        400
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,702
<CHARGE-OFFS>                                        3
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,814
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,814
<FN>
<F1> Net interest income as a percentage of average interest-earning assets.
</FN>