RICHARD A. ELKO is President of ZipFinancial.com and Executive Vice
President Patriot Bank Corp. Mr. Elko was elected Executive Vice
President and Chief Financial Officer of the company in January 1996.
Prior to his appointment at the company, Mr. Elko was Corporate
Controller at Sovereign Bancorp, Inc.
Richard Elko - Patriot Bank Corporation (pbix)
February 26, 2001
