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): June 30, 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 June 30, 2004, Pathfinder Bancorp, Inc. issued a press release announcing a second 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 exhibit is filed with this Report: Exhibit No. Description ------------ ----------- EXHIBIT 99.1 Press Release issued by Pathfinder Bancorp, Inc. on June 30, 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: July 1, 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 June 29, 2004 EXHIBIT 99.1 FOR IMMEDIATE RELEASE June 30, 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 June 30, 2004. The dividend will be payable to all shareholders of record June 30, 2004 and will be paid on July 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.