PRICEWATERHOUSECOOPERS  [LOGO]
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                                                      PricewaterhouseCoopers LLP
                                                      One Lincoln Center
                                                      Syracuse NY 13202-9972
                                                      Telephone (315) 474-8541
                                                      Facsimile (315) 473-1385
 
                              CONSENT OF INDEPENDENT ACCOUNTANTS

 
 
We consent to the incorporation by reference from the Company's Annual Report
on Form 10-K in the registration statement of Pathfinder Bancorp, Inc. on 
Form S-2 of our report dated February 6, 1998, on our audits of the consolidated
financial statements of Pathfinder Bancorp, Inc. as of December 31, 1997 and
1996, and for the years ended December 31, 1997, 1996, and 1995, which report is
included in the Annual Report on Form 10-K. We also consent to the reference to
our Firm under the caption "Experts".


/s/ PicewaterhouseCoopers LLP
Syracuse New York
September 18, 1998