CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



In connection with the Quarterly Report of Norwood Financial Corp. (the Company)
on Form 10-Q for the period  ending June 30,  2003 as filed with the  Securities
and Exchange  Commission on the date hereof (the Report),  we, William W. Davis,
Jr.,  President and Chief Executive  Officer,  and Lewis J. Critelli,  Executive
Vice  President  and Chief  Financial  Officer,  certify,  pursuant to 18 U.S.C.
Section 1350, as adopted  pursuant to Section 906 of the  Sarbanes-Oxley  Act of
2002, that:

         (1) The Report fully complies with the requirements of section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

         (2) The  information  contained in the Report fairly  presents,  in all
material  respects,  the  financial  condition  and results of operations of the
Company.




                                     

/s/William W. Davis, Jr.                    /s/Lewis J. Critelli
--------------------------------            --------------------------------
William W. Davis, Jr.                       Lewis J. Critelli
President and Chief Executive Officer       Executive Vice President and Chief Financial Officer





August 13, 2003