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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, 2006
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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.

                      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,  2006,  the  Registrant  issued a press  release  announcing  its
earnings for the quarter  ended  September 30, 2006. 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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         (d) Exhibits:

                  99.1     Press Release, dated October 19, 2006



                                   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, 2006                By:  /s/William W. Davis, Jr.
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                                           William W. Davis, Jr.
                                           President and Chief Executive Officer
                                           (Duly Authorized Representative)