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,
Senior  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,  2006  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,  2007                 /s/  Thomas  W.  Schneider
                                 Thomas  W.  Schneider
                                 President  and  Chief  Executive  Officer


March  30,  2007                 /s/  James  A.  Dowd
                                 James  A.  Dowd
                                 Senior  Vice  President  and
                                 Chief  Financial  Officer