EXHIBIT  32.1  SECTION  1350  CERTIFICATION  OF  THE  CHIEF  EXECUTIVE AND CHIEF
FINANCIAL  OFFICER

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 capacity as an officer of the Company that he
has  reviewed  the  Annual Report of the Company on Form 10-K for the year ended
December  31,  2005  and  that  to  the  best  of  his  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 30, 2006          /s/  Thomas  W.  Schneider
                        Thomas  W.  Schneider
                        President  and  Chief  Executive  Officer

March  30,  2006        /s/  James  A.  Dowd
                        James  A.  Dowd
                        Vice  President  and  Chief  Financial  Officer