<ARTICLE>                                           9
<CIK> 0000713671
<NAME> DNB FINANCIAL CORPORATION

                                                 
<PERIOD-TYPE>                                       6-MOS
<FISCAL-YEAR-END>                                                    DEC-31-2000
<PERIOD-START>                                                       JAN-01-2000
<PERIOD-END>                                                         JUN-30-2000
<CASH>                                                                11,238,879
<INT-BEARING-DEPOSITS>                                                 1,678,125
<FED-FUNDS-SOLD>                                                       7,516,000
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                           76,484,529
<INVESTMENTS-CARRYING>                                                47,198,880
<INVESTMENTS-MARKET>                                                  46,168,771
<LOANS>                                                              176,752,068
<ALLOWANCE>                                                            4,958,068
<TOTAL-ASSETS>                                                       330,178,279
<DEPOSITS>                                                           273,580,536
<SHORT-TERM>                                                           3,977,000
<LIABILITIES-OTHER>                                                    3,256,125
<LONG-TERM>                                                           27,743,909
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                               1,611,339
<OTHER-SE>                                                            20,009,370
<TOTAL-LIABILITIES-AND-EQUITY>                                       330,178,279
<INTEREST-LOAN>                                                        7,214,907
<INTEREST-INVEST>                                                      3,828,119
<INTEREST-OTHER>                                                         109,832
<INTEREST-TOTAL>                                                      11,152,858
<INTEREST-DEPOSIT>                                                     4,954,753
<INTEREST-EXPENSE>                                                     5,686,613
<INTEREST-INCOME-NET>                                                  5,466,245
<LOAN-LOSSES>                                                                  0
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                        4,382,324
<INCOME-PRETAX>                                                        1,896,099
<INCOME-PRE-EXTRAORDINARY>                                             1,318,099
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                           1,318,099
<EPS-BASIC>                                                                  .82
<EPS-DILUTED>                                                                .84
<YIELD-ACTUAL>                                                              7.67
<LOANS-NON>                                                            1,145,611
<LOANS-PAST>                                                             626,740
<LOANS-TROUBLED>                                                          40,000
<LOANS-PROBLEM>                                                        7,993,000
<ALLOWANCE-OPEN>                                                       5,085,078
<CHARGE-OFFS>                                                            155,248
<RECOVERIES>                                                              28,238
<ALLOWANCE-CLOSE>                                                      4,958,068
<ALLOWANCE-DOMESTIC>                                                   4,958,068
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0