Exhibit 99.3


                            DNB Financial Corporation
                               [GRAPHIC OMMITTED]

For further information, please contact:
Bruce Moroney
CFO/ Executive Vice President
484-359-3153                                              FOR IMMEDIATE RELEASE
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                            DNB Financial Corporation
                         Declares a $0.13 Cash Dividend


(February 23, 2005 -- Downingtown, PA) DNB Financial Corporation,  parent of DNB
First,  National  Association,  today  announced  that its  Board  of  Directors
declared  a cash  dividend  of $0.13 per share for the first  quarter of 2005 to
shareholders  of record on March 10,  2005.  The cash  dividend  will be paid on
March 20, 2005.

DNB Financial  Corporation is a bank holding company whose bank subsidiary,  DNB
First, is a commercial bank and a member of the FDIC. The Bank, headquartered in
Downingtown,  Chester County,  Pennsylvania,  has nine (9) full service offices.
Through DNB Advisors, DNB First provides wealth management and trust services to
individuals  and  businesses   throughout  Chester  County.  The  Bank  and  its
subsidiary,  DNB Financial Services,  Inc., make available certain nondepository
products  and  services,  such  as  securities  brokerage,  mutual  funds,  life
insurance  and  annuities.  Customers  may  also  visit  us on  our  website  at
http://www.dnbfirst.com.

Inquiries regarding the purchase of DNB Financial  Corporation stock may be made
through the market makers listed on our website at http://www.dnbfirst.com.

       4 Brandywine Avenue o Downingtown, PA 19335-0904 o (610) 269-1040



                                  End of Filing