Check the appropriate box to designate the rule pursuant to which this schedule is filed:

* The remainder of the cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

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Item 1(a). Name of Issuer:

Norwood Financial Corp.

Item 1(b). Address of Issuer's Principal Executive Offices:

717 Main Street, Honesdale, Pennsylvania 18431

Item 2(a). Name of Person Filing:

Wayne Bank Trust Department

Item 2(b). Address of Principal Business Office or, if None, Residence:

717 Main Street, Honesdale, Pennsylvania 18431

Item 2(c). Citizenship:

Pennsylvania

Item 2(d). Title of Class of Securities:

Common Stock, $0.10 par value per share.

Item 2(e). CUSIP Number:

669549 10 7

Item 3. Check whether the person filing is a:

Item 3(a)(c)(d)(e)(f)(g)(h)(i)(j)(k) - not applicable.

Item 4. Ownership.

The following information relates to the Wayne Bank Trust Department ownership as of December 31, 2016:

(a)

Amount beneficially owned:

197,524 shares

(b)

Percent of Class:

4.7%

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Wayne Bank Trust Department ("Department") is trustee to 31 trust and investment accounts that include, in the aggregate, among their investments the 197,524 shares of Common Stock of Norwood Financial Corp.  The Department has sole voting power with respect to those shares, however, it is our policy to have proxies forwarded to the clients for voting of the Norwood shares directly with the proxy provider by the client holders. Furthermore, the Department holds an aggregate of 245,418 shares of Common Stock of Norwood Financial Corp. in two trust accounts as to which it has no voting or dispositive power.  These shares are excluded from this schedule.

Item 5. Ownership of Five Percent or Less of a Class.

If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than 5 percent of the class of securities, check the following ☒.

Item 6. Ownership of More Than Five Percent on Behalf of Another Person.

Virtually all of our accounts involve outside persons who have the right to receive or direct the receipt of dividends from, or the proceeds from the sale of, securities in such accounts with respect to the class of securities which are subject to this report. However, no such person's rights relate to more than five percent of the class unless such person is identified below.

Item 7. Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.

Not Applicable.

Item 8. Identification and Classification of Members of the Group.

Not Applicable.

Item 9. Notice of Dissolution of Group.

Not Applicable.

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Item 10. Certification.

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

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After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete, and correct.