-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 vfNfWhH+tZL4xNss4H5k1g==

<SEC-DOCUMENT>0000713671-04-000013.txt : 20040213
<SEC-HEADER>0000713671-04-000013.hdr.sgml : 20040213
<ACCEPTANCE-DATETIME>20040213112903
ACCESSION NUMBER:		0000713671-04-000013
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031231
FILED AS OF DATE:		20040213

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

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			STAUFFER JOSEPH M
		CENTRAL INDEX KEY:			0001208595

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16667
		FILM NUMBER:		04595864

	BUSINESS ADDRESS:	
		STREET 1:		C/O DNB FINANCIAL CORP
		STREET 2:		4 BRANDYWINE AVENUE
		CITY:			DOWNINGTOWN
		STATE:			PA
		ZIP:			19335
		BUSINESS PHONE:		6102691040
</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>2003-12-31</periodOfReport>

    <notSubjectToSection16>1</notSubjectToSection16>

    <form3HoldingsReported>0</form3HoldingsReported>

    <form4TransactionsReported>0</form4TransactionsReported>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001208595</rptOwnerCik>
            <rptOwnerName>STAUFFER JOSEPH M</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>P.O. BOX 40</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>BRANDAMORE</rptOwnerCity>
            <rptOwnerState>PA</rptOwnerState>
            <rptOwnerZipCode>19316</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>1</isOther>
            <otherText>Former Officer</otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock-DNBF</value>
            </securityTitle>
            <transactionDate>
                <value>2003-05-30</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2003-05-30</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>7804</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>23.9</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>806</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
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        <nonDerivativeTransaction>
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            <transactionDate>
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            <transactionTimeliness>
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            <transactionAmounts>
                <transactionShares>
                    <value>3128</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>15.11</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
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                <sharesOwnedFollowingTransaction>
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                </sharesOwnedFollowingTransaction>
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        <nonDerivativeTransaction>
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            <transactionTimeliness>
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            <transactionAmounts>
                <transactionShares>
                    <value>714</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>14.24</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
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                <sharesOwnedFollowingTransaction>
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            <ownershipNature>
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        <nonDerivativeTransaction>
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            <transactionTimeliness>
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            <transactionAmounts>
                <transactionShares>
                    <value>2954</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>21.48</value>
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                <transactionAcquiredDisposedCode>
                    <value>A</value>
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                    <value>D</value>
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        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stcok-DNBF</value>
            </securityTitle>
            <transactionDate>
                <value>2003-05-30</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2003-05-30</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
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            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>2955</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>22.21</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>10557</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Option to purchase DNBF</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>15.11</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2003-05-30</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2003-05-30</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
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            </transactionCoding>
            <transactionTimeliness>
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            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>3128</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>15.11</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>1997-12-30</value>
            </exerciseDate>
            <expirationDate>
                <value>2007-06-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock-DNBF</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>3128</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
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                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
        <derivativeTransaction>
            <securityTitle>
                <value>Option to purchase DNBF</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>14.24</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2003-05-30</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2003-05-30</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>D</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
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            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>714</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>14.24</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2001-12-30</value>
            </exerciseDate>
            <expirationDate>
                <value>2011-06-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
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                </underlyingSecurityTitle>
                <underlyingSecurityShares>
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                </underlyingSecurityShares>
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            <postTransactionAmounts>
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        <derivativeTransaction>
            <securityTitle>
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            <conversionOrExercisePrice>
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            <transactionDate>
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            <transactionTimeliness>
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            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
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                <transactionPricePerShare>
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                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
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            <exerciseDate>
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                    <value>2955</value>
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                <transactionPricePerShare>
                    <value>22.21</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
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            <exerciseDate>
                <value>1999-12-30</value>
            </exerciseDate>
            <expirationDate>
                <value>2009-06-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock-DNBF</value>
                </underlyingSecurityTitle>
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                <directOrIndirectOwnership>
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    </derivativeTable>

    <ownerSignature>
        <signatureName>/s/ Bruce E. Moroney</signatureName>
        <signatureDate>2004-02-13</signatureDate>
    </ownerSignature>
</ownershipDocument>

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