EXHIBIT 99.2



                      FIRST KEYSTONE CORPORATION
            DIVIDEND REINVESTMENT AND STOCK PURCHASE PLAN

                           ENROLLMENT FORM

  I wish to enroll in the First Keystone Corporation Dividend
Reinvestment and Stock Purchase Plan and name the First National Bank
of Berwick Trust Department as plan administrator as described in the
plan prospectus.

ACCOUNT NAME AND ADDRESS             ACCOUNT NUMBER ______________

_______________________________      _____________________________
Social Security/Tax I.D. Number      PRINT - Name of Account Owner

_______________________________      ______________________________
Social Security/Tax I.D. Number      PRINT - Name of Account Owner

_______________________________      ______________________________
Social Security/Tax I.D. Number      PRINT - Name of Account Owner

___________________________________________________________________
Mailing Address                                Apt. No.

___________________________________________________________________
City                  State       Zip       Daytime Phone Number

DIVIDEND REINVESTMENT
You must be a resident of Pennsylvania in order to participate, and
you must enroll at least 25 shares to participate in the plan.  If
your address is not in Pennsylvania, the plan administrator will
contact you to determine if you are a Pennsylvania resident.  The
plan administrator reserves the right to make additional inquiries,
to require additional documentation from you, and to refuse to enroll
you in the plan.

Please complete either option #1 or #2 (do not complete both
options).  If neither option is selected, the administrator will
assume that you desire FULL reinvestment of your dividends.

[  ] Option 1.  FULL REINVESTMENT AND OPTIONAL CASH PURCHASES.  If
you check this option, you authorize the purchase of additional
shares of common stock with the cash dividends on all shares of
common stock currently or subsequently registered in your name, as
well as on the shares of common stock credited to your plan account.
In addition, cash payments of not less than $100 per payment, up to a
total of $2,500 per quarter, will be used to purchase additional
shares of common stock.

[  ] Option 2.  PARTIAL REINVESTMENT AND OPTIONAL CASH PURCHASES.
You may elect to have any number of your shares enrolled in the plan,
so long as you enroll more than 25 shares.  Please provide the number
of shares to be enrolled in the plan:    __________

     By checking this option, you authorize the purchase of
additional shares of common stock with the cash dividends on the
number of shares selected, as well as on the shares of common stock
purchased with dividends and credited to your Plan Account.  In
addition, cash payments of not less than $100 per payment, up to a
total of $2,500 per quarter, will be used to purchase additional
shares of common stock.

[  ] Additional Option:  CERTIFICATE SAFEKEEPING.  Whether you choose
Option 1 or Option 2, you may enclose certificates for any number of
shares you enroll in the plan.  The plan administrator will cancel
your certificates, and the shares will be kept in your account in
"book entry" form.  You may obtain a new certificate for any shares
in your account by contacting the plan administrator to request a new
certificate or by withdrawing shares or terminating your
participation in the plan and paying the applicable fee.





All holders listed on the registration must sign to enroll shares in
the plan.  By signing below, you authorize the plan administrator to
carry out your intent as indicated above.  This authorization is
given with the understanding that it can be terminated at any time by
giving written notice to the plan administrator in accordance with
the plan.


Print Name (1):     _________________________

Signature (1):      _________________________

Print Name (2):     _________________________

Signature (2):      _________________________

Print Name (3):     _________________________

Signature (3):      _________________________

Date:               _________________________



                     PLEASE RETURN THIS FORM TO:
           FIRST NATIONAL BANK OF BERWICK, TRUST DEPARTMENT
                  ATTN:  DIVIDEND REINVESTMENT AND
                  STOCK PURCHASE PLAN ADMINISTRATION
                        111 WEST FRONT STREET
                     BERWICK, PENNSYLVANIA 18603