<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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           1,086
<INT-BEARING-DEPOSITS>                           1,713
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    211,675
<INVESTMENTS-CARRYING>                          71,009
<INVESTMENTS-MARKET>                            70,406
<LOANS>                                        294,799
<ALLOWANCE>                                    (1,927)
<TOTAL-ASSETS>                                 594,055
<DEPOSITS>                                     266,280
<SHORT-TERM>                                   191,244
<LIABILITIES-OTHER>                              4,437
<LONG-TERM>                                     84,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            47
<OTHER-SE>                                      48,037
<TOTAL-LIABILITIES-AND-EQUITY>                 594,055
<INTEREST-LOAN>                                  5,540
<INTEREST-INVEST>                                4,750
<INTEREST-OTHER>                                    30
<INTEREST-TOTAL>                                10,320
<INTEREST-DEPOSIT>                               3,094
<INTEREST-EXPENSE>                               6,796
<INTEREST-INCOME-NET>                            3,524
<LOAN-LOSSES>                                      105
<SECURITIES-GAINS>                                  86
<EXPENSE-OTHER>                                  2,373
<INCOME-PRETAX>                                  1,271
<INCOME-PRE-EXTRAORDINARY>                       1,271
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       810
<EPS-PRIMARY>                                      .20
<EPS-DILUTED>                                      .20
<YIELD-ACTUAL>                                    2.43
<LOANS-NON>                                        723
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,830
<CHARGE-OFFS>                                       16
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                1,927
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            693