SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                            ________________________



                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


                         Date of Report: August 2, 1999



                      DELAWARE FIRST FINANCIAL CORPORATION
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               (Exact Name of Registrant as Specified in Charter)


                     Delaware               52-2063973
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     (State or other jurisdiction) (IRS Employer Identification No.)

            000-25499
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     (Commission File Number)



      400 Delaware Avenue, Wilmington, Delaware             19801
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      (Address of Principal Executive Offices)            (Zip Code)

                                 (302) 421-9090
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              (Registrant's Telephone Number, Including Area Code)


                                       N/A
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          (Former Name or Former Address, if Changed Since Last Report)










Item 5.   Other Events

     August 2, 1999.  Delaware  First  Financial  Corporation  was  merged  into
Delaware First Bank,  FSB, and Delaware  First Bank,  FSB, was merged into Crown
Bank, F.S.B. as of the close of business July 30, 1999. The merger was conducted
in  accordance  with the terms  and  conditions  contained  in the  Amended  and
Restated  Merger  Agreement  dated February 17, 1999.  Shareholders  of Delaware
First  Financial   Corporation  should  receive   instructions  and  letters  of
transmittal from Crown Bank, F.S.B., within the next several days explaining the
procedure for  submitting  their shares to Crown Bank to exchange for the merger
consideration.  Crown Bank intends to operate in Delaware as Crown Bank, F.S.B.,
d/b/a/ Delaware First Bank.

                                   SIGNATURES

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.



Date:  August 2, 1999                      /s/ Herbert D. Haughton
                                               -----------------------
                                               Herbert D. Haughton
                                      Counsel to Crown Bank, F.S.B.
                                      Successor to Delaware First Bank,
                                      Successor to Delaware First Financial
                                      Corporation