form8k.htm

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)

September 16, 2008


Willow Financial Bancorp, Inc.
(Exact name of registrant as specified in its charter)



Pennsylvania	000-49706		80-0034942
(State or other jurisdiction	(Commission File Number)		(IRS Employer
of incorporation)			Identification No.)


170 South Warner Road, Suite 300, Wayne, Pennsylvania				19087
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code

(610) 995-1700



Not Applicable
(Former name, former address and former fiscal year, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):

[X]	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[ ]	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[ ]	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[ ]	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02 Results of Operations and Financial Condition

On September 16, 2008, Willow Financial Bancorp, Inc. (the “Company”) reported its results of operations for the year ended June 30, 2008.

For additional information, reference is made to the Company's press release dated September 16, 2008, which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto. The press release attached hereto is being furnished to the Securities and Exchange Commission (the "SEC") and shall not be deemed to be “filed” for any purpose except as otherwise provided herein.

Item 8.01 Other Events

Reference is made to the Company's press release dated September 16, 2008, which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto.

Item 9.01 Financial Statements and Exhibits

(a) Not applicable.

(b) Not applicable.

(d) Exhibits

The following exhibits are included herewith.

	Exhibit Number		Description
	99.1		Press release dated September 16, 2008

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

	WILLOW FINANCIAL BANCORP, INC.



Date: September 17, 2008	By:	/s/Neelesh Kalani
		Neelesh Kalani
		Principal Financial Officer

INDEX TO EXHIBITS

	Exhibit Number		Description
	99.1		Press release dated September 16, 2008