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)
April 21, 2003
NORWOOD FINANCIAL CORP.
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(Exact name of Registrant as specified in its Charter)
Pennsylvania 0-28364 23-2828306
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(State or other jurisdiction (Commission File Number) (IRS Employer
of incorporation) Identification
Number)
717 Main Street, Honesdale, Pennsylvania 18431
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (570) 253-1455
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Not Applicable
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(Former name or former address, if changed since last Report)
NORWOOD FINANCIAL CORP.
INFORMATION TO BE INCLUDED IN REPORT
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Item 7. Financial Statements, Pro Forma Financial
Information and Exhibits
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(c) Exhibits:
99.1 Press Release dated April 21, 2003
Item 9. Regulation FD Disclosure
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Information under this Item 9 is being provided pursuant to Item 12 -
Results of Operations and Financial Condition in accordance with Release No.
34-47583. On April 21, 2003, the Registrant issued a press release to report
earnings for the quarter ended March 31, 2003 and announcing the payment of a
special 50% stock dividend. A copy of the press release is furnished with this
Form 8-K as an exhibit.
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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.
NORWOOD FINANCIAL CORP.
Date: April 23, 2003 By: /s/William W. Davis, Jr.
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William W. Davis, Jr.
President and Chief Executive Officer