-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 HztUFIuuKuiQXfHj6eUV7PkIVxmLH+JY12jXDEiICWbMmLQrqY6fGCRZztGa0o3T
 qH3icjMWzOJp32kcQxsuaQ==

<SEC-DOCUMENT>0001140361-03-002546.txt : 20030723
<SEC-HEADER>0001140361-03-002546.hdr.sgml : 20030723
<ACCEPTANCE-DATETIME>20030723125141
ACCESSION NUMBER:		0001140361-03-002546
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030722
FILED AS OF DATE:		20030723

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			SCHNEIDER THOMAS W
		CENTRAL INDEX KEY:			0001214095

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23601
		FILM NUMBER:		03797826

	MAIL ADDRESS:	
		STREET 1:		10 MARGARET STREET
		CITY:			OSWEGO
		STATE:			NY
		ZIP:			13126

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PATHFINDER BANCORP INC
		CENTRAL INDEX KEY:			0001046188
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				161540137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		214 W FIRST ST
		CITY:			OSWEGO
		STATE:			DE
		ZIP:			13126
		BUSINESS PHONE:		3153430057

	MAIL ADDRESS:	
		STREET 1:		214 W FIRST ST
		CITY:			OSWEGO
		STATE:			DE
		ZIP:			13126
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>
    <schemaVersion>X0101</schemaVersion>

    <documentType>4</documentType>
<periodOfReport>2003-07-22</periodOfReport>
<notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001046188</issuerCik>
        <issuerName>PATHFINDER BANCORP INC</issuerName>
        <issuerTradingSymbol>PBHC</issuerTradingSymbol>
</issuer>
<reportingOwner>
<reportingOwnerId>
            <rptOwnerCik>0001214095</rptOwnerCik>
            <rptOwnerName>SCHNEIDER THOMAS W</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>0</isDirector>
<isOfficer>1</isOfficer>
<isTenPercentOwner>0</isTenPercentOwner>
<isOther>0</isOther>
<officerTitle>President, CEO</officerTitle>
<otherText></otherText>
</reportingOwnerRelationship>
</reportingOwner>
<derivativeSecurity>
<securityTitle>
<value>stock option</value>
</securityTitle>
<conversionOrExercisePrice>
<value>8.34</value>
</conversionOrExercisePrice>
<transactionDate>
<value>2003-07-22</value>
</transactionDate>
<transactionCoding>
<transactionFormType>4</transactionFormType>
<transactionCode>X</transactionCode>
<equitySwapInvolved>0</equitySwapInvolved>
</transactionCoding>
<transactionTimeliness>
<value></value>
</transactionTimeliness>
<transactionAmounts>
<transactionShares>
<value>1500</value>
</transactionShares>
<transactionValue>
<value>8.34</value>
</transactionValue>
<transactionAcquiredDisposedCode>
<value>D</value>
</transactionAcquiredDisposedCode>
</transactionAmounts>
<exerciseDate>
<value>2002-07-01</value>
</exerciseDate>
<expirationDate>
<value>2011-06-30</value>
</expirationDate>
<underlyingSecurity>
<underlyingSecurityTitle>
<value>Pathfinder Bancorp Inc. Common Stock</value>
</underlyingSecurityTitle>
<underlyingSecurityShares>
<value>1500</value>
</underlyingSecurityShares>
</underlyingSecurity>
<postTransactionAmounts>
<sharesOwnedFollowingTransaction>
<value>6985</value>
</sharesOwnedFollowingTransaction>
</postTransactionAmounts>
<ownershipNature>
<directOrIndirectOwnership>
<value>D</value>
</directOrIndirectOwnership>
<natureOfOwnership>
<value></value>
</natureOfOwnership>
</ownershipNature>
</derivativeSecurity>
<ownerSignature>
<signatureName>Thomas W. Schneider</signatureName>
<signatureDate>2003-07-23</signatureDate>
</ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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