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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) January 26, 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
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 January 26, 2004
Item 12. Results of Operations and Financial Condition
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On January 26, 2004, the Registrant issued a press release to report
earnings for the year ended December 31, 2003. 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: January 26, 2004 By: /s/William W. Davis, Jr.
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William W. Davis, Jr.
President and Chief Executive Officer
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