[GRAPHIC OMITTED][GRAPHIC OMITTED]

FOR IMMEDIATE RELEASE


     DNB FIRST CELEBRATES NAME CHANGE BY GIVING AWAY OVER $15,000 IN PRIZES

     DOWNINGTOWN,  Pennsylvania,  June 21,  2004 -  Spurning  the key chains and
     toasters  typically  associated with bank promotions,  DNB First will award
     one lucky  customer  the  actual  keys to a 2004  Jaguar  X-Type  sedan and
     another  customer  will win a  vacation  to the  destination  of his or her
     choice (toasty or otherwise) as part of the "Think DNB First" sweepstakes.

     The  sweepstakes,  which is part of the  launch  of a new name for  Chester
     County's oldest  independent bank (the former  Downingtown  National Bank),
     runs through July 1. Drawings for the car and vacation  travel  certificate
     will be held at  Downingtown  Borough's  Good Neighbor Day  Celebration  on
     Saturday,  July 3. Drawings for $25 and $50 gift certificates  which can be
     redeemed at select local  vendors will be awarded at each branch  office on
     Friday, July 2.

     "This is an opportunity for the bank to show its  appreciation to our loyal
     customers and  communities  who have supported us for over 140 years," says
     Henry  F.  Thorne,  President  and CEO of DNB  First.  "We also  wanted  to
     underline the new energy at the bank, which our customers can experience in
     new products and services.  We're  celebrating the name change in a big way
     to reflect our big plans for DNB First."

     To enter the sweepstakes, simply visit any DNB First branch. No purchase is
     necessary. Only one entry per person is allowed.

     DNB First, National Association, a member of DNB Financial Corporation,  is
     a  $420  million   community   bank   headquartered   in  Chester   County,
     Pennsylvania,  and is the oldest  independent  bank in the county with nine
     full  service  offices.  In  addition  to a broad  array of  consumer  bank
     products,  DNB  offers  commercial  and  construction  lending,  commercial
     leasing,  cash  management,  brokerage and insurance  through DNB Financial
     Services, and trust services through DNB Advisors. For more information, go
     to www.dnbfirst.com.

For more information:
Mike Freeman
Freeman Communications
859-594-5004 - office
513-910-7240 - cell
mike@freemancommunications.biz

Christine Coleman
Vice President, Marketing Director, DNB First
484-359-3218 - office
ccoleman@dnbfirst.com

        4 Brandywine Avenue - Downingtown, PA 19335-0904 - (610) 269-1040