PRICEWATERHOUSECOOPERS [LOGO] - ------------------------------------------------------------------------------- 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