UNITED STATES

UNITED STATES

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)

November 4, 2004

COMMERCIAL NATIONAL FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Pennsylvania

0-18676

25-1623213

(State or other jurisdiction
of incorporation)

(Commission
File Number)

(I.R.S. Employer
Identification No.)

900 Ligonier Street, Latrobe, PA

15650

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code    724-539-3501

(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 240.13a-4(c))

Item 2.02     RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On November 4, 2004, Commercial National Financial Corporation issued a press release announcing its earnings for the quarter ended September 30, 2004.  A copy of this press release and the related balance sheet and income statement are furnished herein as exhibit 99.1

Item 9     FINANCIAL STATEMENTS AND EXHIBITS

(c)

Exhibits

 

Exhibit 99.1 Commercial National Financial Corporation Press Release
dated November 4, 2004

Signature

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.

  

Commercial National Financial Corporation

(Registrant)

Date: November 4, 2004

/s/

Gregg E. Hunter

Gregg E. Hunter

President and Chief Executive Officer