-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 HQzSIqsBtYoO2mqswHJ7/hgeCuhFQNp2M7bYESm6xxh/11AUXBwrqECNeX6NemCf
 s9UmjwG+cO0+Q1MqYCJFFQ==

<SEC-DOCUMENT>0000913355-03-000136.txt : 20031029
<SEC-HEADER>0000913355-03-000136.hdr.sgml : 20031029
<ACCEPTANCE-DATETIME>20031029080858
ACCESSION NUMBER:		0000913355-03-000136
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20031028
ITEM INFORMATION:		
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20031029

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PATRIOT NATIONAL BANCORP INC
		CENTRAL INDEX KEY:			0001098146
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				061559137
		STATE OF INCORPORATION:			CT
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-29599
		FILM NUMBER:		03962225

	BUSINESS ADDRESS:	
		STREET 1:		900 BEDFORD ST
		CITY:			STAMFORD
		STATE:			CT
		ZIP:			06901
		BUSINESS PHONE:		2033247500
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8koctober2003.txt
<DESCRIPTION>FORM 8-K DATED OCTOBER 2003
<TEXT>
                       SECURITIES AND EXCHANGE COMMISSION


                              Washington, DC 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): October 28, 2003



                         PATRIOT NATIONAL BANCORP, INC.
             (Exact name of registrant as specified in its charter)


     Connecticut                       000-29599                06-1559137
  (State or other jurisdiction of   (Commission File          (IRS Employer
        incorporation)                  Number)           Identification Number)


                 900 Bedford Street, Stamford, Connecticut 06901
              (Address of principal executive offices and zip code)


       Registrant's telephone number, including area code: (203) 324-7500


                                       N/A
          (Former name or former address, if changed since last report)



<PAGE>


                                                                               2



Item 7.       Financial Statements and Exhibits

                  (a) Not applicable.

                  (b) Not applicable.

                  (c) Exhibits.

          Exhibit No.                      Description
             20         Press release dated October 28, 2003 of Patriot National
                        Bancorp, Inc.


Item 12.      Results of Operations and Financial Condition

     On October 28, 2003, Patriot National Bancorp, Inc. ("Bancorp"), the
holding company for Patriot National Bank, issued a press release announcing
certain information concerning Bancorp's results of operations for the quarter
ended September 30, 2003 and its financial condition at September 30, 2003. The
information regarding the quarter ended September 30, 2003 that is required to
be reported pursuant to Item 12 of a Current Report on Form 8-K is contained in
the first and second paragraphs of the press release, a copy of which is filed
as an exhibit hereto.





<PAGE>


                                                                               3



                                   Signatures

     Pursuant to the requirements of the Securities Exchange Act of 1934,
Bancorp has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                    PATRIOT NATIONAL BANCORP, INC.


Date:  October 28, 2003             By:           /s/ ROBERT F. O'CONNELL
                                          ------------------------------------
                                          Robert F. O'Connell
                                          Senior Executive Vice President
                                          Chief Financial Officer




</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-20
<SEQUENCE>3
<FILENAME>exhibit20.txt
<DESCRIPTION>PRESS RELEASE DATED OCTOBER 28, 2003
<TEXT>






                                              Contact:
                                              Patriot National Bank
                                              900 Bedford Street
                                              Stamford, CT 06901
                                              Charles F. Howell, President & CEO
                                              Robert F. O'Connell
                                              SEVP & CFO
                                              (203) 324-7500



For immediate release



PATRIOT NATIONAL BANCORP, INC. REPORTS REVENUE INCREASE.

     STAMFORD, CT OCTOBER 28, 2003. Patriot National Bancorp, Inc. (parent
company of Patriot National Bank) reported higher revenues for the quarter ended
September 30, 2003. Net interest income was $2.5 million representing an
increase of 17.8% from the same period last year and an increase of 12.9% from
the quarter ended June 30, 2003. The higher revenue was offset by increased
operating costs of 11.2% in the quarter ended September 30, 2003 compared to the
same quarter last year. The higher costs were primarily related to the Bank's
branch expansion program. Net income for the quarter was $316,000 ($0.13 diluted
income per share) compared to $338,000 ($0.14 diluted income per share) for the
same period last year. For the nine months ended September 30, 2003 net income
was $1.0 million representing an increase of 25.0% over the same period last
year.

     Total loans increased 13.0% during the quarter ended September 30, 2003 to
end the quarter at $207.6 million. Deposits at September 30, 2003 were $265.8
million which represents an increase of 7.0% from the end of the previous
quarter. Total assets at September 30, 2003 were $318.2 million, representing an
increase of $16.1 million, or 5.3%, from the end of the prior quarter. Mr.
Charles F. Howell, President and Chief Executive Officer of Patriot National
Bank, attributed the strong growth in the balance sheet to the continued
expansion of both commercial and consumer banking relationships.

     Mr. Howell stated that the strength of the local real estate market
contributed to the exceptional growth in quality loans during the most recent
quarter. The growth in loans and core deposits, together with a re-positioning
of the investment portfolio, resulted in the favorable revenue trend. Patriot
plans to open a branch in Wilton, CT at the beginning of November which will be
the Bank's third new branch location this year.

     Patriot National Bank is headquartered in Stamford, CT and has full service
branches in Stamford, Greenwich, Old Greenwich and Norwalk.


</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
