Norwood Financial (NWFL) 10-K2008 FY Annual report

Filed: 13 Mar 09, 12:00am

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New words: absence, acceptable, American, anniversary, annum, ARRA, award, backed, billion, brokered, Capture, Chairman, climate, compelled, considerable, coordinated, created, customer, deduction, desired, detrimentally, disapproving, disbursed, discontinue, disruption, downturn, earlier, EESA, eliminate, enacted, encourage, excessive, exclude, extended, faced, facility, fail, familiar, freely, golden, guaranty, Hamlin, highly, homeowner, illiquidity, improve, inaccurate, incentive, inspected, instrument, involuntary, jeopardize, joint, lack, land, level, light, luxury, meaningful, meltdown, method, modification, modify, official, opted, paper, parachute, partially, payable, permanent, phase, piggyback, position, pressure, produced, promote, raw, reached, receipt, receivership, recent, recently, recoverability, recovery, redeemed, relief, Remote, resolution, restore, restructuring, Revenue, sector, shelf, smaller, SOP, sought, speculative, stage, suspended, suspending, TARP, temporary, threaten, treat, turmoil, underwritten, undeveloped, unnecessary, unprecedented, upstream, waive, worsen

Removed: BIF, called, combined, designated, documentation, exceed, federally, implementation, indexed, inflation, latitude, merged, portion, prescribed, retirement, SAIF, serviced, subsequently, testing

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Exhibit 32

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Norwood Financial Corp. (the Company) on Form 10-K for the year ending December 31, 2008 as filed with the Securities and Exchange Commission on the date hereof (the Report), we, William W. Davis, Jr., President and Chief Executive Officer, and Lewis J. Critelli, Executive Vice President and Chief Financial Officer, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

(1) The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ William W. Davis, Jr.		/s/ Lewis J. Critelli
William W. Davis, Jr.		Lewis J. Critelli
President and Chief Executive Officer		Executive Vice President, Secretary and Chief Financial Officer

March 13, 2009

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