8-K

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 - November 16, 2005

HARLEYSVILLE NATIONAL CORPORATION

(Exact name of registrant as specified in its charter)

___________________

Pennsylvania	0-15237	23-2210237
(State or other jurisdiction of incorporation or organization)	Commission File Number	(IRS Employer Identification No.)

483 Main Street

Harleysville, Pennsylvania 19438

(Address of principal executive office and zip code)

(215) 256-8851

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions

[ ]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 240.133-4(c))

Item 7.01Regulation FD Disclosure

On November 17, 2005, a presentation is to be made at the Sandler O’Neill Financial Services Conference. A copy of the presentation is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The information furnished under this Item 7.01 of this Current Report of Form 8-K, including Exhibit 99.1 shall not be deemed to be “filed” for purposes of the Securities and Exchange Act of 1934.

Item 9.01Financial Statements and Exhibits

(a)   Not applicable.

(b)   Not applicable.

(c)   Not applicable.

(d)   Exhibits.

Exhibit 99.1Presentation used at Sandler O’Neill Financial Services Conference on November 17, 2005.

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 hereunto duly authorized.

HARLEYSVILLE NATIONAL CORPORATION

Dated: November 16, 2005                   /s/ George S. Rapp    

George S. Rapp, SVP and Chief Financial Officer

EXHIBIT INDEX

	Page
Exhibit 99.1Slides used at Sandler O’Neill Financial Services Conference on November 17, 2005	5

EX-99.1 SLIDES

Harleysville National Corporation  Harleysville, PA (Nasdaq: HNBC)

Gregg J. Wagner

President and Chief Executive Officer

Sandler O’Neill & Partners, L.P.

Financial Services Conference

Naples, FL

November 17, 2005

FORWARD-LOOKING INFORMATION

During the course of this presentation, management may make projections and forward-looking statements regarding events or the future financial performance of Harleysville National Corporation. We wish to caution you that these forward-looking statements involve certain risks and uncertainties, including a variety of factors that may cause Harleysville National Corporation’s actual results to differ materially from the anticipated results expressed in these forward-looking statements. Investors are cautioned not to place undue reliance on these forward-looking statements and are advised to review the risk factors that may affect Harleysville National Corporation’s operating results in documents filed by Harleysville National Corporation with the Securities and Exchange Commission, including the Quarterly Report on Form 10-Q, the Annual report on form 10-K and other required filings. Harleysville National Corporation assumes no duty to update the forward-looking statements made in this presentation.

Presented by Gregg Wagner, President & CEO

HNBC - A Vision for 2006…

CORPORATE OVERVIEW

Ø   Founded 1909

Ø   Second largest independent community bank

within our footprint

Ø   44 branches throughout eastern Pennsylvania

Ø   28 core market branches located in two of the wealthiest

suburban Philadelphia counties

Ø   Total assets of $3.12 billion as of September 30, 2005

Ø   Millennium Wealth Management and Private Banking

Presented by Gregg Wagner, President & CEO

HNBC - A Vision for 2006…

UNIQUE STRENGTHS

Ø   Seasoned “new” management team

Ø   Customers recognize our culture is different

Ø   Large, well developed wealth management platform

Ø   Majority of branches located in high-growth markets

Ø   Lending authority is highly decentralized

Ø   Efficiency ratio has historically been low

Presented by Gregg Wagner, President & CEO

HNBC - A Vision for 2006…

ONGOING CHALLENGES

Ø   Improve NIM through balance sheet management

Ø   Build out infrastructure and personnel investments

Ø   Use Millennium Wealth Management and

Private Banking to leverage other income stream

Ø   Compete profitably against irrational competitors

Ø   Align market perception with our real capabilities

Presented by Gregg Wagner, President & CEO

HNBC - A Vision for 2006…

MAJOR NEW STRATEGIC INITIATIVES

Ø   Add depth to our complete suite

of commercial offerings

Ø   Use Millennium to best advantage

Ø   Build and manage infrastructure to drive

new strategic direction

Ø   Market rationalization

Presented by Gregg Wagner, President & CEO

HNBC - A Vision for 2006…

COMPELLING INVESTMENT CONSIDERATIONS

Ø   Energized new management team

Ø   Demonstrated track record of consistent earnings

Ø   Attractive market demographics

Ø   Future growth focused in high-growth markets

Ø   Average dividend yield of 3.29%

Ø   Valuation is currently attractive

Presented by Gregg Wagner, President & CEO