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 (Date of Earliest Event Reported) - July 26, 2006

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))

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Item 7.01Regulation FD Disclosure

On July 27, 2006, a presentation is to be made at the Ferris, Baker, Watts Mid-Atlantic Banking Conference in Hershey, Pennsylvania. 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 Ferris Baker Watts Mid-Atlantic Banking Conference on July 27, 2006.

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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: July 26, 2006/s/ George S. Rapp     

George S. Rapp, EVP and Chief Financial Officer

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EXHIBIT INDEX

	Page
Exhibit 99.1Slides used at Ferris, Baker, Watts Mid-Atlantic Banking Conference on July 27, 2006.	5

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EX-99.1 SLIDE

Ferris, Baker Watts, Inc. Mid-Atlantic Community Bank Conference

Hotel Hershey, Hershey, PA lJuly 27, 2006

Gregg J. Wagner

President and Chief Executive Officer

Forward-Looking Information

During the course of this presentation, management may makeprojections

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.

Corporate Overview

Ø

Founded 1909

Ø

Second Largest Independent Community

Bank Within our Footprint

Ø

45 Branches Throughout Eastern

Pennsylvania

Ø

Total Assets of $3.2 Billion

Ø

Millennium Wealth Management Division

Assets Under Management Exceed $2.4
Billion

Unique Strengths

Ø

Seasoned New Management Team

Ø

Demonstrated Track Record of

Consistent Earnings

Ø

Attractive Market Demographics

Ø

Future Growth Focused in High-Growth

Markets

HNBC Management Team

Ø

Michael B. High

Executive Vice President and Chief Operating Officer

Ø

George S. Rapp

Executive Vice President and Chief Financial Officer

Ø

Deb M. Takes

President and Chief Executive Officer, Harleysville

National Bank

Ø

John W. Eisele

President, Millennium Wealth Management

Ø

Lewis C. Cyr

Executive Vice President, Commercial Banking,

Chief Lending Officer

America’s Finest Companies

Ø

History of Strong Performance, Steady Returns

Ø

30 years of record earnings

Ø

31 years of increased dividends

Ø

Recognized in America’s Finest Companies

Ø

Earnings All Star

Ø

Dividend All Star

Ø

“Super 50” Team

NASDAQ Dividend Achievers

Ø

New Dividend Achievers List

Ø

Broad Dividend Achievers Index

Ø

Dividend Achievers 50 Index

Ø

Global Select Market

Ø

Hig

listed companies

hest ranking tier forNASDAQ-

HNBC Headquarters

Current Footprint

Total Deposits (HNBC)	$1,730,591
HNBC Branches	28
Market Rank (HNBC) – Montgomery	3
Market Rank (HNBC) – Bucks	14
Projected Population Growth (2005-2010)	3.37%
Average Income	$97,342
Projected Income Increase (2005-2010)	28.36%

Source: SNL Securities, data current as of 6/30/05

Montgomery and Bucks Counties, PA

Core Market Demographics

Ongoing Challenges

Ø

Net Interest Margin

Ø

Fee-based Income

New Strategic Initiatives

Ø

Add Depth to Complete Suite of

Commercial Offerings

Ø

Use Millennium Wealth Management to

Best Advantage

Ø

Build and Manage Infrastructure to Drive

New Strategic Direction

Ø

Execute Market Rationalization to Focus

Growth and Profitability

Commercial Banking

Ø

Leverage Market Capacity

Ø

Focus on Commercial & Industrial Loans

Ø

Focus on Real Estate Construction

Lending

Ø

Build Cash Management Capabilities

Commercial Accomplishments

Ø

Key Hires

Ø

Products and Services

Ø

Make Millennium Wealth Management a

"core solution” customersfor retail and commercial

customers

Ø

Develop our wealth management products

and services

Ø

Position Millennium as premier wealth

management provider in markets we serve

Millennium Wealth Management

Wealth Management Accomplishments

Ø

Acquired and Integrated Cornerstone

Companies

Ø

Marketing Campaigns

Ø

Leading registered investment advisor for high

net worth, privately held business owners,
wealthy families and institutional clients

Ø

Asset management, business succession and

estate planning services

Ø

Combined assets under management for

Millennium and Cornerstone exceed $2.4 billion

Build and Manage Infrastructure

Ø

Streamline Processes

Ø

Invest in Key Personnel

Ø

Disciplined Strategy to Support

Planned Growth

Infrastructure Accomplishments

Ø

Key Operational Hires

Ø

Initiating Process Improvement

Ø

Corporate Campus Expansion

Ø

New

Operations
Building

Ø

Consolidate

Operations
Staff

Ø

Construction

in progress,
set for early
2007
completion

HNC Operations Building

Market Rationalization

Ø

Optimize Footprint

Ø

Build Infrastructure to Accommodate

Growth

Ø

Open 10 Offices in Next 36-48 Months

Market Rationalization Accomplishments

Ø

Relocations

Ø

Branch Prototype

Ø

New Locations

Ø

Branch Divestiture

HNBC Headquarters

HNB Branch Relocation

Market Rationalization - Relocations

New Branch Prototype

HNBC Headquarters

Future HNB Location

New HNB Location

Market Rationalization – New Branches

Ferris, Baker Watts, Inc. Mid-Atlantic Community Bank Conference

Hotel Hershey, Hershey, PA lJuly 27, 2006

George S. Rapp

Executive Vice President and Chief Financial Officer

	6/30/06	6/30/05
Total Assets	$3,217	$3,032
Total Loans	2,032	1,091
Total Investments	925	894
Total Deposits	2,480	2,223
Total Borrowings	418	487

Balance Sheet (dollars in millions)

Key Financial Highlights

	6/30/06			6/30/05
Nonperforming Assets		$11.5		$4.7
Nonperforming Assets / Total Assets		.36%		.15%
Allowance for Loan and Lease Losses / Loans		1.02%		1.00%
Charge-offs / Avg. Loans		.14%	.10%

Asset Quality (dollars in millions)

Key Financial Highlights

* 2006 numbers are YTD 6/30/06

Net Charge Offs to Loans Outstanding*

	6/30/06		6/30/05
Diluted EPS		$.65	$.67
Return on Assets		1.15%	1.27%
Return on Equity		13.25%	14.00%
Net Interest Margin		3.09%	3.36%
Noninterest Income / Total Revenue		29.03%	22.10%
Efficiency Ratio		54.02%	53.59%

Operating Ratios

Key Financial Highlights

* excluding gains and non-recurring revenue

Other Income (dollars in millions)*

* 2006 numbers are YTD 6/30/06

Efficiency Ratio*

*Adjusted for stock dividend

Cash Dividends Paid*

Source: Center for Research in Security Prices

Five Year Cumulative Total Returns

* As of 3 p.m. on 7/25/06

Compelling Investment Considerations

Ø

Seasoned new management team

Ø

Demonstrated track record of consistent

earnings

Ø

Attractive market demographics

Ø

Future expansion focused in high-growth

markets

Ø

Average dividend yield of 3.77%*

Ø

Investor Relations Strategy