EXHIBIT 23






            CONSENT OF BEARD MILLER COMPANY LLP, INDEPENDENT AUDITORS






     We consent to the incorporation by reference in the Registration  Statement
(on Form S-8) of Norwood Financial Corp. of our report dated  January 26,  2001,
with respect to the consolidated financial statements of Norwood Financial Corp.
and subsidiary  incorporated by reference in this Annual Report  (Form 10-K) for
the year ended December 31, 2000.




                                           /s/ BEARD MILLER COMPANY LLP





Harrisburg, Pennsylvania
March 19, 2001