-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 AaY7ZdK69hWA06cN/yk7JD0W6j9SZTTRElv+jnBTVwC2bjzgVkl+bJfln/+wvXBK
 ZZX0ID31qBHE0GOvOuX27w==

<SEC-DOCUMENT>0000713671-04-000021.txt : 20040309
<SEC-HEADER>0000713671-04-000021.hdr.sgml : 20040309
<ACCEPTANCE-DATETIME>20040309131927
ACCESSION NUMBER:		0000713671-04-000021
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040308
FILED AS OF DATE:		20040309

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			THORNE HENRY F
		CENTRAL INDEX KEY:			0001208589

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16667
		FILM NUMBER:		04656716

	BUSINESS ADDRESS:	
		STREET 1:		C/O DNB FINANCIAL CORP
		STREET 2:		4 BRANDYWINE AVENUE
		CITY:			DOWNINGTOWN
		STATE:			PA
		ZIP:			19335
		BUSINESS PHONE:		6102691040

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>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-03-08</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001208589</rptOwnerCik>
            <rptOwnerName>THORNE HENRY F</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>102 CARLETON ROAD</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>WALLINGFORD</rptOwnerCity>
            <rptOwnerState>PA</rptOwnerState>
            <rptOwnerZipCode>19086</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>CEO</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Commom Stock - DNBF</value>
            </securityTitle>
            <transactionDate>
                <value>2004-03-08</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2004-03-08</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>3500</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>28.25</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>20078</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>/s/ Bruce E. Moroney, CFO</signatureName>
        <signatureDate>2004-03-09</signatureDate>
    </ownerSignature>
</ownershipDocument>

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