EX-23

[KPMG LLP Letterhead]


The Board of Directors and Stockholders
DNB Financial Corporation:

We consent to incorporation by reference in the registration statement (No.
333-78913) on Form S-8 of DNB Financial Corporation of our report dated January
25, 2002, relating to the consolidated statements of financial condition of DNB
Financial Corporation and subsidiary as of December 31, 2001 and 2000, and the
related consolidated statements of operations, stockholders' equity and
comprehensive income, and cash flows for each of the years in the three-year
period ended December 31, 2001, which report appears in the December 31, 2001
annual report incorporated by reference in the Form 10-K of DNB Financial
Corporation.

/s/ KPMG LLP

KPMG LLP

March 19, 2002