Exhibit  99.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



Thomas  W.  Schneider, President and Chief Executive Officer, and James A. Dowd,
Vice  President  and  Chief  Financial  Officer of Pathfinder Bancorp, Inc. (the
"Company"),  each  certify in his/her capacity as an officer of the Company that
he/she  has  reviewed  the  Quarterly Report of the Company on Form 10-K for the
quarter  ended  December  31,  2002  and  that to the best of his/her knowledge:

     1.     the report fully complies with the requirements of Sections 13(a) of
the  Securities  Exchange  Act  of  1934;  and

     2.     the  information  contained  in  the  report fairly presents, in all
material  respects,  the  financial  condition  and results of operations of the
Company.

The  purpose  of  this  statement is solely to comply with Title 18, Chapter 63,
Section  1350  of  the  United  States  Code,  as  amended by Section 906 of the
Sarbanes-Oxley  Act  of  2002.





March 28, 2003                       /s/Thomas W. Schneider
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Date                                   Thomas  W.  Schneider
                              President  and  Chief  Executive  Officer


March 28, 2003                        /s/James A. Dowd
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Date                                   James  A.  Dowd
                              Vice  President  and  Chief  Financial  Officer