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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 0KgZsZ7nX7LCssHzuXwu4A==

<SEC-DOCUMENT>0001244535-05-000001.txt : 20050303
<SEC-HEADER>0001244535-05-000001.hdr.sgml : 20050303
<ACCEPTANCE-DATETIME>20050303144116
ACCESSION NUMBER:		0001244535-05-000001
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041231
FILED AS OF DATE:		20050303
DATE AS OF CHANGE:		20050303

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NORTHWAY FINANCIAL INC
		CENTRAL INDEX KEY:			0001041753
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				043368379
		STATE OF INCORPORATION:			NH
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		9 MAIN ST
		CITY:			BERLIN
		STATE:			NH
		ZIP:			03750
		BUSINESS PHONE:		6037521171

	MAIL ADDRESS:	
		STREET 1:		9 MAIN ST
		CITY:			BERLIN
		STATE:			NH
		ZIP:			03750

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			NOYES JOHN H
		CENTRAL INDEX KEY:			0001244535

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23129-33
		FILM NUMBER:		05657461

	BUSINESS ADDRESS:	
		STREET 1:		NORTHWAY FINANCIAL INC
		STREET 2:		9 MAIN STREET
		CITY:			BERLIN
		STATE:			NH
		ZIP:			03570
</SEC-HEADER>
<DOCUMENT>
<TYPE>5
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>5</documentType>

    <periodOfReport>2004-12-31</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <form3HoldingsReported>0</form3HoldingsReported>

    <form4TransactionsReported>0</form4TransactionsReported>

    <issuer>
        <issuerCik>0001041753</issuerCik>
        <issuerName>NORTHWAY FINANCIAL INC</issuerName>
        <issuerTradingSymbol>NWFI</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001244535</rptOwnerCik>
            <rptOwnerName>NOYES JOHN H</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>PO BOX 420</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>PLYMOUTH</rptOwnerCity>
            <rptOwnerState>NH</rptOwnerState>
            <rptOwnerZipCode>03264</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2004-06-09</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>G</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value>L</value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>10523</value>
                    <footnoteId id="F1"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>10523</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F1"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>Trustee Anyce B. Noyes Trust</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionCoding>
                <transactionFormType></transactionFormType>
            </transactionCoding>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>12185</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">John H. Noyes became indirect beneficial owner of 10,523 shares of Northway Financial, Inc. Common Stock when he was appointed Trustee of Anyce B. Noyes Trust upon his fathers death on June 9, 2004.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Deborah A. Hodgdon by Power of Attorney</signatureName>
        <signatureDate>2005-03-03</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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