HARLEYSVILLE NATIONAL CORPORATION


                              FOR IMMEDIATE RELEASE
CONTACT:     Walter  E.  Daller  Jr.,  Chairman  and  CEO
PHONE:       215-256-8851  ext.  1201

                                 EARNINGS UP AT
                        HARLEYSVILLE NATIONAL CORPORATION

HARLEYSVILLE,  PA  (JULY  13,  2000)-Harleysville  National  Corporation  (HNC)
(NASDAQ:HNBC),  announced  record  second quarter 2000 earnings of $6,307,000, a
3.4%  increase  over second quarter 1999 earnings of $6,098,000.  Second quarter
2000  earnings  included  costs associated with the successful completion of the
acquisition  of  Citizens Bank & Trust Co., a $130 million asset community bank,
formerly  headquartered  in  Palmerton.  Net  income for the first six months of
2000  was  $12,352,000,  a 6.0% increase over the $11,648,000 for the comparable
period  in 1999.  The company's consolidated total assets were $1,853,030,000 at
June  30,  2000,  13.0%  above  the  June  30,  1999,  level  of $1,640,430,000.
            For the quarter ending June 30, 2000, basic and diluted earnings per
share  at  $.71  were  up 2.9% from $.69 in the second quarter of 1999.  For the
first  six months of 2000, basic and diluted earnings per share of $1.40 were up
6.1%  from  the  $1.32  in  the  comparable  period  last  year.
     Return  on  equity,  a  key  profitability ratio, was 16.9% compared to the
second  quarter  of 1999 ratio of 16.4%.  The year-to-date June 30, 2000, return
on  equity  ratio  was  16.6%  compared  to  15.6%  in  1999.
     Walter  E.  Daller  Jr.,  Chairman  and  CEO  of  HNC  noted  that, "We are
especially  pleased to report record earnings during a quarter that included the
completion  of  an  acquisition.  For  24-consecutive  years,  HNC  has reported
increases in both earnings and dividends. We continue to focus on great customer
service  and  innovations  in  our  product  line,  such as the mutual funds and
annuity  products  scheduled  for  introduction  later  this  year."
     Total  loans  at June 30, 2000, of $1,175,347,000 was 13.8% higher than the
June  30,  1999,  balance  of  $1,032,961,000.  Nonperforming  assets, including
nonaccrual  loans,  restructured  loans  and other real estate owned was 0.3% of
total  assets  at  both June 30, 2000, and June 30, 1999. Loans 90 days past due
was  .1%  of  total  loans  at  June  30,  2000,  and  June  30,  1999.
     Providing  real life financial solutions, Harleysville National Corporation
(HNC) operates 39 banking offices in 10 counties throughout Eastern Pennsylvania
through its three subsidiary banks-Harleysville National Bank and Trust Company,
Citizens  National  Bank  and  Security National Bank. Investment Management and
Trust Services are provided throughout the company by Harleysville National Bank
and  Trust  Company.  HNC has assets in excess of $1.8 billion and is one of the
top  100 banks in the US (of more than 7,000) based on its 1999 Return on Equity
of  17.10%




               HARLEYSVILLE  NATIONAL  CORPORATION

                                            SIX  MONTHS  ENDED
                                      ----------------------------
(Dollars  in  thousands,
 except per share data)                          JUNE 30
                                      ----------------------------
                                            2000         1999
                                         -----------  -----------
                                                
INCOME:
- ---------------------------------------
Net interest income . . . . . . . . . .  $   33,059   $   31,059
Net interest income after
  provision for loan losses . . . . . .      32,004       30,079
Other operating income. . . . . . . . .       5,511        5,105
Other operating expenses. . . . . . . .      22,576       19,815
Net income. . . . . . . . . . . . . . .      12,352       11,648


WEIGHTED AVERAGE NUMBER
  OF COMMON SHARES:
- ---------------------------------------
  Basic . . . . . . . . . . . . . . . .   8,835,873    8,831,877
  Diluted . . . . . . . . . . . . . . .   8,846,046    8,843,721

PER SHARE:
- ---------------------------------------
Net income:
  Basic . . . . . . . . . . . . . . . .        1.40         1.32
  Diluted . . . . . . . . . . . . . . .        1.40         1.32

Cash dividends paid . . . . . . . . . .        0.56         0.49

Book value. . . . . . . . . . . . . . .       17.20        17.38


PERIOD-END BALANCES:
- ---------------------------------------
Total assets. . . . . . . . . . . . . .  $1,853,030   $1,640,430
Loans . . . . . . . . . . . . . . . . .   1,175,347    1,032,961
Allowance for loan losses . . . . . . .      15,248       14,882
Deposits. . . . . . . . . . . . . . . .   1,443,134    1,283,818
Shareholders' equity. . . . . . . . . .     152,045      147,032


SELECTED RATIOS:
- ---------------------------------------
Return on average assets. . . . . . . .        1.37%        1.49%
Return on average shareholders' equity.       16.65%       15.60%
Primary capital ratio . . . . . . . . .        8.87%        9.66%


               HARLEYSVILLE NATIONAL CORPORATION

                                              THREE MONTHS ENDED
                                         -------------------------
(Dollars in thousands,. . . . . . . . .             JUNE 30
                                                  -----------
except per share data). . . . . . . . .        2000         1999
                                         -----------  -----------
INCOME:
- ---------------------------------------
Net interest income . . . . . . . . . .  $   16,716   $   15,961
Net interest income after
  provision for loan losses . . . . . .      16,167       15,471
Other operating income. . . . . . . . .       2,857        2,653
Other operating expenses. . . . . . . .      11,647       10,002
Net income. . . . . . . . . . . . . . .       6,307        6,098


WEIGHTED AVERAGE NUMBER
  OF COMMON SHARES:
- ---------------------------------------
  Basic . . . . . . . . . . . . . . . .   8,836,268    8,832,237
  Diluted . . . . . . . . . . . . . . .   8,846,441    8,844,081

PER SHARE:
- ---------------------------------------
Net income:
  Basic . . . . . . . . . . . . . . . .        0.71         0.69
  Diluted . . . . . . . . . . . . . . .        0.71         0.69

Cash dividends paid . . . . . . . . . .        0.28         0.25


SELECTED RATIOS:
- ---------------------------------------
Return on average assets. . . . . . . .        1.39%        1.53%
Return on average shareholders' equity.       16.93%       16.35%