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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)  October 19, 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                (IRS Employer
of incorporation)                     Number)                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)

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 (see General Instruction A.2. below)



    
[  ]     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)).


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                           NORWOOD FINANCIAL CORP INC.

                      INFORMATION TO BE INCLUDED IN REPORT
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Item 2.02.  Results of Operations and Financial Condition
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         On October 19, 2004, the Registrant  issued a press release  announcing
its earnings for the quarter and nine months ended September 30, 2004. A copy of
the press release is furnished with this report as exhibit 99.1.

Item 9.01.   Financial Statements and Exhibits                 
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         (c) Exhibits:

                  99.1     Press Release, dated October 19, 2004



                                   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: October 19, 2004               By: /s/William W. Davis, Jr.
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                                         William W. Davis, Jr.
                                         President and Chief Executive Officer
                                         (Duly Authorized Representative)