<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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                             897
<INT-BEARING-DEPOSITS>                           3,175
<FED-FUNDS-SOLD>                                     0
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<INVESTMENTS-MARKET>                            65,703
<LOANS>                                        264,634
<ALLOWANCE>                                    (1,855)
<TOTAL-ASSETS>                                 489,558
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<SHORT-TERM>                                   183,500
<LIABILITIES-OTHER>                              4,805
<LONG-TERM>                                     30,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
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<OTHER-SE>                                      51,362
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<INTEREST-INVEST>                                7,249
<INTEREST-OTHER>                                    91
<INTEREST-TOTAL>                                20,492
<INTEREST-DEPOSIT>                               7,167
<INTEREST-EXPENSE>                               4,481
<INTEREST-INCOME-NET>                            8,844
<LOAN-LOSSES>                                      205
<SECURITIES-GAINS>                                   0
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<INCOME-PRETAX>                                  1,966
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,167
<EPS-PRIMARY>                                     .275
<EPS-DILUTED>                                     .275
<YIELD-ACTUAL>                                    3.18
<LOANS-NON>                                        671
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                                 1,702
<CHARGE-OFFS>                                       52
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<ALLOWANCE-CLOSE>                                1,855
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,855