SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 19, 2004 Pathfinder Bancorp, Inc. ------------------------------------------------------------- (Exact name of registrant as specified in its charter) Federal 000-23601 16-1540137 ---------------------------- --------------------- -------------------- (State or other jurisdiction (Commission File No.) (I.R.S. Employer of incorporation) Identification No.) REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE: (315) 343-0057 -------------- NOT APPLICABLE -------------------------------------------------------------- (FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT) Items 1-4. Not Applicable. Item 5. Other Events On March 19, 2004, Pathfinder Bancorp, Inc. issued a press release announcing a first quarter cash dividend declaration. The aforementioned is attached as an exhibit to this Current Report on Form 8-K. Item 6. Not Applicable Item 7. Financial Statements, Pro Forma Financial Information and Exhibits (a) Not Applicable (b) Not Applicable (c) The following exhibits are filed with this Report: Exhibit No. Description ------------ ----------- EXHIBIT 99.1 Press Release issued by Pathfinder Bancorp, Inc. on March 19, 2004, furnished in accordance with Item 5 of this Current Report on Form 8-K. Items 8 - 12 Not Applicable. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. PATHFINDER BANCORP, INC. Date: March 23, 2004 By: /s/ Thomas W. Schneider ------------------------------------- Thomas W. Schneider President and Chief Executive Officer EXHIBIT INDEX The following Exhibit is filed as part of this report: Exhibit 99.1 Press Release dated March 19, 2004 EXHIBIT 99.1 CONTACT: THOMAS W. SCHNEIDER PRESIDENT & CEO 214 WEST FIRST STREET OSWEGO, NY 13126 315-343-0057 FOR IMMEDIATE RELEASE March 19, 2004 PATHFINDER BANCORP, INC. DECLARES DIVIDEND OSWEGO, NY - Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc. and Pathfinder Bank announced that the company has declared a cash dividend of $.10 per share on the company's common stock for the fiscal quarter ending March 31, 2004. The dividend will be payable to all shareholders of record March 31, 2004 and will be paid on April 15, 2004. 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 six full service offices located in its market area within Oswego County.