-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 SXhVyBCWoZ25AFVTr+TZH0r3wlTzauS5l1ZzbCVmiKdBkBsrEkqijkWscsR1zhmv
 h/L3bcnHCi6jlxDkB36koQ==

<SEC-DOCUMENT>0001140361-03-004383.txt : 20031118
<SEC-HEADER>0001140361-03-004383.hdr.sgml : 20031118
<ACCEPTANCE-DATETIME>20031118154330
ACCESSION NUMBER:		0001140361-03-004383
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031114
FILED AS OF DATE:		20031118

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			GAGAS CHRIS C
		CENTRAL INDEX KEY:			0001201300

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23601
		FILM NUMBER:		031010562

	MAIL ADDRESS:	
		STREET 1:		79 WEST FIFTH ST
		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>X0201</schemaVersion>

    <documentType>4</documentType>
<periodOfReport>2003-11-14</periodOfReport>
<notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001046188</issuerCik>
        <issuerName>PATHFINDER BANCORP INC</issuerName>
        <issuerTradingSymbol>pbhc</issuerTradingSymbol>
</issuer>
<reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001201300</rptOwnerCik>
            <rptOwnerName>GAGAS CHRIS C</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>214 WEST FIRST STREET</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>OSWEGO</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>13126</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector>
<isOfficer>0</isOfficer>
<isTenPercentOwner>0</isTenPercentOwner>
<isOther>0</isOther>
<officerTitle></officerTitle>
<otherText></otherText>
</reportingOwnerRelationship>
</reportingOwner>
<nonDerivativeTable>
<nonDerivativeTransaction>
<securityTitle>
<value>Pathfinder Bancorp, Inc Common Stock</value>
</securityTitle>
<transactionDate>
<value>2003-11-14</value>
</transactionDate>
<deemedExecutionDate>
<value>2003-11-14</value>
</deemedExecutionDate>
<transactionCoding>
<transactionFormType>4</transactionFormType>
<transactionCode>J</transactionCode>
<equitySwapInvolved>0</equitySwapInvolved>
<footnoteId id="F1"/>
</transactionCoding>
<transactionTimeliness>
<value></value>
</transactionTimeliness>
<transactionAmounts>
<transactionShares>
<value>2001</value>
</transactionShares>
<transactionPricePerShare>
<value>17.60</value>
</transactionPricePerShare>
<transactionAcquiredDisposedCode>
<value>D</value>
</transactionAcquiredDisposedCode>
</transactionAmounts>
<postTransactionAmounts>
<sharesOwnedFollowingTransaction>
<value>81708</value>
</sharesOwnedFollowingTransaction>
</postTransactionAmounts>
<ownershipNature>
<directOrIndirectOwnership>
<value>D</value>
</directOrIndirectOwnership>
<natureOfOwnership>
<value></value>
</natureOfOwnership>
</ownershipNature>
</nonDerivativeTransaction>
</nonDerivativeTable>
<footnotes>
<footnote id="F1">J - disposition, donation of stock to nonprofit organization</footnote>
</footnotes>
<remarks></remarks>
<ownerSignature>
<signatureName>Annette Burns as Power of Attorney for Chris C. Gagas</signatureName>
<signatureDate>2003-11-18</signatureDate>
</ownerSignature>
</ownershipDocument>

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