KPMG Peat Marwick LLp 113 South Salina Street Syracuse, NY 13202 INDEPENDENT AUDITORS' CONSENT The Board of Trustees Oswego County Savings Bank We consent to the inclusion on Form S-2 of Pathfinder Bancorp, Inc. of our report dated February 20, 1998 on the statements of financial condition of Oswego County Savings Bank as of December 31, 1997 and 1996, and the related statements of operations, changes in net worth, and cash flows for each of the years in the three-year period ended December 31, 1997. We also consent to the reference to our firm under the heading "Experts" in the prospectus. /s/ KPMG Peat Marwick LLP September 17, 1998 Syracuse, New York