8-K

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 17, 2009

Patriot National Bancorp, Inc.

(Exact name of registrant as specified in its charter)

Connecticut	000-29599	06-1559137
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

900 Bedford Street, Stamford, Connecticut  06901

(Address of principal executive offices)

(203) 324-7500

(Registrant's telephone number, including area code)

N/A

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

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS
Item 7.01	Regulation FD Disclosure
Item 9.01	Exhibits and Financial Statements
SIGNATURES
EXHIBIT INDEX
Item 9.01	Exhibits and Financial Statements

Item 7.01	Regulation FD Disclosure
	On June 17, 2009, at the Annual Meeting of Shareholders of Patriot National Bancorp, Inc. (the “Company”), the Company presented the attached presentation (included as Exhibit 99.1 hereto) containing certain information about the Company.  In addition, the Company confirmed that it is seeking additional capital in the estimated range of $30,000,000 or more and is presently in discussions with at least two private investors regarding such capitalization. The Company also reported that at the Annual Meeting of Shareholders today, management and the outside directors were elected with at least 93% of the votes. Disclaimer & Forward-Looking Statements Statements in this document and the attached exhibit concerning future results, performance, expectations or intentions are forward-looking statements. Actual results, performance or developments may differ materially from forward-looking statements as a result of known or unknown risks, uncertainties and other factors, including those identified from time to time in the Company’s filings with the Securities and Exchange Commission, press releases and other communications. The Company intends any forward-looking statements to be covered by the Litigation Reform Act of 1995 and is including this statement for purposes of said safe harbor provisions. Readers are cautioned not to place undue reliance on forward-looking statements, which speak only as of the date of this release. Except as required by applicable law or regulation, the Company undertakes no obligation to update any forward-looking statements to reflect events or circumstances that occur after the date as of which such statements are made.
Item 9.01	Financial Statements and Exhibits
(a)	Not applicable.
(b)	Not applicable.
(c)	Not applicable.
(d)	Exhibit
Exhibit No.	Description
99.1	Text of slide presentation that Patriot National Bancorp, Inc. presented at its Annual Meeting of Shareholders on June 17, 2009.

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.
	PATRIOT NATIONAL BANCORP, INC.
	Registrant
June 17, 2009	By:  /s/ Roberrt F. O'Connell           _____________________
	Robert F. O'Connell
	Senior Executive Vice President
	and Chief Financial Officer

EX-99.1

Patriot National Bancorp, Inc.

Annual Shareholders Meeting

June 17, 2009

Greenwich Hyatt

1

Patriot National Bancorp, Inc.

Total Assets

CHART

2

Patriot National Bancorp, Inc.

Total Deposits

CHART

3

Patriot National Bancorp, Inc.

19 Full Service Branches in Operation June 2008

MAP

4

Patriot National Bancorp, Inc.

Total Net Loans

CHART

5

Patriot National Bancorp, Inc.

Real Estate Loans Geographic Distribution

MAP

6

Patriot National Bancorp, Inc.

Loan Portfolio Composition

CHART

7

Patriot National Bancorp, Inc.

Working Out Construction Loans in a Weak Real Estate Market

•           Significant  Increase in Non-Accrual Loans in 2008 to $80.5 Million

•            Maximum Loan to Value Ratio 65% “as Complete” at Origination

•            Average Loan to Value Ratio “as Complete” at Origination 55%

•            No Construction Loan Charge Offs in 2008

•           All Construction Spec Loans Originated in Connecticut & New York

•            Construction Advances Are Monitored by Inspectors Prior to Draws

•            Members of Management Know Area Where The Loans Are Made

•            No Large Tract Development Financed

•            Most Condo Projects Financed are Small and All Are Within the

Markets in Connecticut and Southern New York

8

Patriot National Bancorp, Inc.

Loan Portfolio

•            Significant Concentration in Commercial Real Estate & Construction Loans

•           No Sub-Prime Loan Exposure

•           No Option ARM’s

•           No Negative Amortization Loans

•            No High Loan To Value Ratio Real Estate Loans “At Origination”

•            No High Loan To Value Home Equity Loans Originated for Portfolio

•            Minimal Credit Card Loan And Auto Loan Exposure

•            Minimal Unsecured Loans

•            Conservative Loan to Value Standards Were Used to Underwrite and Originate Construction Loans

9

Patriot National Bancorp, Inc.

Housing Market from 1988 to 1st Quarter 2009 for Fairfield County

# of Single Family Homes Sold (annualized), Fairfield County, 1988-Q1 2009

CHART

10

Patriot National Bancorp, Inc.

Housing Market from 1988 to 1st Quarter 2009 for Fairfield County

Median Single Family Home Sales Price, Fairfield County, 1988-Q1 2009

CHART

11

Patriot National Bancorp, Inc.

Housing Market from 1988 to 1st Quarter 2009 for Fairfield County

Single Family Homes Median Sale Pricec and # Sold, Fairfield County, 1988-Q1 2009

CHART

12

Patriot National Bancorp, Inc.

Housing Market from 1988 to 1st Quarter 2009 for Greenwich

# of Single Family Homes Sold, Greenwich, CT  1988-Q1 2009

CHART

13

Patriot National Bancorp, Inc.

Housing Market from 1988 to 1st Quarter 2009 for Greenwich

Median Single Family Home Sales Price, Greenwich, CT  1988-Q1 2009

CHART

14

Patriot National Bancorp, Inc.

Housing Market from 1988 to 1st Quarter 2009 for Greenwich

Single Family Homes Median Sale Price and # Sold, Greenwich, CT  1988-Q1 2009

CHART

15

Patriot National Bancorp, Inc.

Construction Loans Paid Off in 2008

•            $110.5 Million in Patriot Construction Loans Were Paid Off or Refinancd at Other Institutions

•           No Charge Offs Taken on Any Construction Loans Paid Off During 2008

•           The Average Outstanding Loan Balance on Paid Off Construction Loans Was 67% of the Sales Price on Those Loans Paid Off by Sale

16

Patriot National Bancorp, Inc.

Interest Rate Risk Exposure

No Long Term Fixed Rate Mortgages Held in Portfolio

17

Patriot National Bancorp, Inc.

Allowance For Loan Losses

CHART

18

Patriot National Bancorp, Inc.

Analysis Of Allowance For Loan Losses
	2008	2007	2006	2005	2004	2003	2002
	(Thousands of Dollars)
Balance At Beginning Of Period	$5,673	$5,630	$4,588	$3,481	$2,934	$2,372	$1,894
* Net Recoveries (Charge-Offs)	(715)	(32)	2	(3)	(9)	(1)	10
Additions Charged To Operations	11,289	75	1,040	1,110	556	563	468
Balance At End Of Period	$16,247	$5,673	$5,630	$4,588	$3,481	$2,934	$2,372
Ratio of Net Recoveries (Charge-Offs)
During The Period To Average Loans

Net Charge-offs 7 Years $748,000 through December 31, 2008

Provision To Allowance For Loan Losses $15.1 Million For Same Period

19

Patriot National Bancorp, Inc.

Asset Quality

Investment Securities Portfolio (Available For Sale)

•            No Sub-Prime Loan Exposure In Investment Portfolio

•            All Mortgage Backed Securities Held In Portfolio Are U.S. Government Agency or Government Sponsored Agency Securities

20

Patriot National Bancorp, Inc.

Net Interest Income

CHART

21

Patriot National Bancorp, Inc.

Significant Unusual 2008 Events

•            $11.3 Million Provisions to Allowance for Loan Losses

•            $2.1 Million Impairment Charges on Investment Grade Auction Rate Securities*

•            $1.4 Million Goodwill Impairment Charges

•            $1.05 FHLMC – 100% Write Off

* Note: All Auction Rate Securities Remain Investment Grade and

    Continue to Pay Dividends in Accordance With the Terms of the Securities

22

Patriot National Bancorp, Inc.

Net Income

CHART

23

Patriot National Bancorp, Inc.

Earnings Per Share

CHART

24

Patriot National Bancorp, Inc.

Navigating Through The Economic Storm

Steps Taken

•            The Bank Currently has a Moratorium on Construction Loans and Commercial Real Estate Loans to Reduce Exposure

•            The Bank’s Asset and Loan Growth Will be Modest

•            Re-Appraisal Program

•           Formed Experience Loan Workout Team

25

Patriot National Bancorp, Inc.

Steps Taken

•            Eliminated Executive Bonuses in 2008 And 2009

•            Implemented a Salary Freeze on All Officers Assistant Vice President and Above

•            Closed Long Island Lending Office

•            Reduced the Number of Salary Based Commercial  Real Estate Loan Officers by Nine

•            Reduced Annual Market Budget by 50%

•            Eliminated Common Stock Dividend

26

Patriot National Bancorp, Inc.

2009 Prospects

•            Non-Performing Loans Expected to Increase

•            NPL’s Expected to Peak in the 4th Quarter 2009 and Then Trend  Down in 2010

•            Continued Significant Provisions to Allowance For Loan Losses

•           Net Operating Losses

•            Writedowns of Construction Loans Until Disposed Of

•            Limited Balance Sheet and Loan Growth Until Capital is Raised

27

Patriot National Bancorp, Inc.

Return To Profitability

Dependent on End of Recession and

Stabilization And Improvement in

 Local Real Estate Markets

28

Patriot National Bancorp, Inc.

The Future

•           Fewer Competitors

•           The Bank Will Be Well Positioned Provided Capital is Raised and Problems Loans Are Resolved

•            Patriot Has 19 Full Service Branches in One of The Most Desirable Real Estate Markets in The U.S.

•            Loan and Deposit Pricing More Favorable for Banks

29

Patriot National Bancorp, Inc.

Annual Shareholders Meeting

June 17, 2009

Greenwich Hyatt

30