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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 20, 2004
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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 No.)
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)
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NORWOOD FINANCIAL CORP.
INFORMATION TO BE INCLUDED IN REPORT
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Item 7. Financial Statements and Exhibits
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(c) Exhibits: The following exhibits are being furnished with this
report.
99.1 Press Release dated April 20, 2004
Item 12. Results of Operations and Financial Condition
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On April 20, 2004, the Registrant issued a press release to report
earnings for the three months ended March 31, 2004. 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 21, 2004 By: /s/William W. Davis, Jr.
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William W. Davis, Jr.
President and Chief Executive Officer
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