Published: March 31, 2006

/ CORRECTION - Pathfinder Bancorp, Inc.

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In the news release "Pathfinder Bancorp, Inc. Declares Dividend," issued Thursday, 03/30/2006, by Pathfinder Bancorp, Inc. (NASDAQ: PBHC), we are advised by the company that the last sentence of the first paragraph should read, "The dividend will be payable to all shareholders of record April 14, 2006 and will be paid on April 28, 2006." rather than "The dividend will be payable to all shareholders of record March 31, 2006 and will be paid on April 15, 2006." as originally issued. Complete corrected text follows.

Pathfinder Bancorp, Inc. Declares Dividend

OSWEGO, NY -- 03/31/2006 -- Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc. and Pathfinder Bank (NASDAQ: PBHC), announced that the company has declared a cash dividend of $.1025 per share on the company's common stock for the fiscal quarter ending March 31, 2006. The dividend will be payable to all shareholders of record April 14, 2006 and will be paid on April 28, 2006.

Pathfinder Bancorp, Inc. is the mid-tier holding company of Pathfinder Bank. Pathfinder Bank is a New York State chartered savings bank headquartered in Oswego, New York, whose deposits are insured by the Federal Deposit Insurance Corporation. The Bank has seven full-service offices located in its market area within Oswego County.