EXHIBIT 99.3

                          ___________ Shares (Maximum)
                          ___________ Shares (Minimum)

                         PATRIOT NATIONAL BANCORP, INC.


                         Common Stock ($2.00 par value)


        Initially Offered Pursuant to Rights Distributed to Shareholders


TO SECURITIES DEALERS, COMMERCIAL BANKS,
BROKERS, TRUST COMPANIES AND OTHER NOMINEES:

      Enclosed are a Prospectus, dated ____________, 2005 (the "Prospectus"),
and Instructions as to Use of Subscription Rights Certificates (the
"Instructions"), relating to the offering (the "Offering") of a minimum of
_________ and a maximum of ____________ shares of Common Stock, $2.00 par value
per share (the "Common Stock"), of Patriot National Bancorp, Inc. (the
"Company"), at a subscription price of $______ per share. Nontransferable
subscription rights ("Rights") are being distributed to holders of record of
shares of Common Stock ("Rights Holders") as of the close of business on
____________, 2005 (the "Record Date"). The Rights are described in the
Prospectus and evidenced by a Subscription Rights Certificate (a "Subscription
Rights Certificate") registered in your name or the name of your nominee.

      Each beneficial owner of Common Stock registered in your name or the name
of your nominee is entitled to one Right for each ________ (_____) shares of
Common Stock owned by such beneficial owner on the Record Date. In lieu of
fractional shares, the aggregate number of rights issued in respect of each
beneficial owner will be rounded up or down to the nearest whole number.

      We are asking you to contact your clients for whom you hold shares of
Common Stock registered in your name, or in the name of your nominee to obtain
instructions with respect to Rights. You will be reimbursed for customary
mailing and handling expenses incurred by you in forwarding any of the enclosed
materials to your clients. The Company will pay all transfer taxes, if any,
applicable to the sale of shares of Common Stock to a Rights Holder upon
exercise of Rights, subject to certain exceptions described in the Prospectus
and the Subscription Rights Certificate.

      Enclosed are copies of the following documents:

      1. The Prospectus;

      2. The Instructions;

      3. A form of letter which may be sent to your clients for whose accounts
you hold shares of Common Stock registered in your name or the name of your
nominee, with space provided for obtaining such clients' instructions with
regard to the Rights;

      4. A Form of Letter which may be sent to your clients explaining the
Offering in a Question and Answer format;

      5. A Nominee Holder Oversubscription Certification; and

      6. A Notice of Guaranteed Delivery.

      Your prompt action is requested. The Rights will expire at 5:00 p.m..
Eastern Time, on __________, 2005 unless extended by the Company to a time not
later than 5:00 p.m.. Eastern Time, on _________, 2005 (in either



case, the "Expiration Time").

      TO EXERCISE RIGHTS, PROPERLY COMPLETED AND EXECUTED SUBSCRIPTION RIGHTS
CERTIFICATE(S) (UNLESS THE GUARANTEED DELIVERY PROCEDURES ARE COMPLIED WITH) AND
PAYMENT IN FULL FOR ALL RIGHTS EXERCISED MUST BE DELIVERED TO THE SUBSCRIPTION
AGENT AS INDICATED IN THE PROSPECTUS PRIOR TO THE EXPIRATION TIME. EXERCISE OF
OVERSUBSCRIPTION PRIVILEGES (AS DEFINED IN THE PROSPECTUS) MUST BE ACCOMPANIED
BY A COMPLETE NOMINEE HOLDER OVERSUBSCRIPTION CERTIFICATION.

      Additional copies of the enclosed materials may be obtained from Registrar
and Transfer Company, the Information Agent and the Subscription Agent, at (800)
866-1340.


                                      Very truly yours,


                                      By:
                                         ------------------------------
                                              Angelo De Caro
                                              CHAIRMAN OF THE BOARD
                                              AND CHIEF EXECUTIVE OFFICER


      NOTHING HEREIN OR IN THE ENCLOSED DOCUMENTS SHALL CONSTITUTE YOU OR ANY
PERSON AS AN AGENT OF THE COMPANY, THE SUBSCRIPTION AGENT, THE INFORMATION AGENT
OR ANY OTHER PERSON MAKING OR DEEMED TO BE MAKING OFFERS OF THE COMMON STOCK, OR
AUTHORIZED YOU OR ANY OTHER PERSON TO MAKE ANY STATEMENTS ON BEHALF OF ANY OF
THEM WITH RESPECT TO THE OFFERING, EXCEPT FOR STATEMENTS EXPRESSLY MADE IN THE
PROSPECTUS OR THE SUBSCRIPTION DOCUMENTS.