-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 MQbqgCYcNQt3CCnCAiUKmB6vAmd4qBPWCffv2Go31dN8/8VFWPOWcpVEEJxC8goF
 oD2vBceeleP6cUhiycnSjg==

<SEC-DOCUMENT>0000713671-03-000047.txt : 20031121
<SEC-HEADER>0000713671-03-000047.hdr.sgml : 20031121
<ACCEPTANCE-DATETIME>20031121160205
ACCESSION NUMBER:		0000713671-03-000047
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031121
FILED AS OF DATE:		20031121

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			HIEB WILLIAM J
		CENTRAL INDEX KEY:			0001252518

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16667
		FILM NUMBER:		031018288

	MAIL ADDRESS:	
		STREET 1:		4 BRANDYWINE AVE
		CITY:			DOWNINGTOWN
		STATE:			PA
		ZIP:			19335

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			DNB FINANCIAL CORP /PA/
		CENTRAL INDEX KEY:			0000713671
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				232222567
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		4 BRANDYWINE AVE
		CITY:			DOWNINGTOWN
		STATE:			PA
		ZIP:			19335
		BUSINESS PHONE:		6102691040

	MAIL ADDRESS:	
		STREET 1:		4 BRANDYWINE AVENUE
		CITY:			DOWNINGTOWN
		STATE:			PA
		ZIP:			19335
</SEC-HEADER>
<DOCUMENT>
<TYPE>5
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>

<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>5</documentType>

    <periodOfReport>2003-11-21</periodOfReport>


    <notSubjectToSection16>0</notSubjectToSection16>

    <form3HoldingsReported>0</form3HoldingsReported>

    <form4TransactionsReported>0</form4TransactionsReported>

    <issuer>
        <issuerCik>0000713671</issuerCik>
        <issuerName>DNB FINANCIAL CORP /PA/</issuerName>
        <issuerTradingSymbol>DNBF</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001252518</rptOwnerCik>
            <rptOwnerName>HIEB WILLIAM J</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>300 N. LEHIGH CIRCLE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>SWARTHMORE</rptOwnerCity>
            <rptOwnerState>PA</rptOwnerState>
            <rptOwnerZipCode>19081</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>EVP/COO</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>

        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock - DNBF</value>
            </securityTitle>
            <transactionDate>
                <value>2003-11-20</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2003-11-20</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>100</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>30</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>100</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>Joint with spouse</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>

    </nonDerivativeTable>



    <ownerSignature>
        <signatureName>/s/ Bruce E. Moroney for William J. Hieb</signatureName>
        <signatureDate>2003-11-21</signatureDate>
    </ownerSignature>

</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----