CONSENT OF BEARD MILLER COMPANY LLP, INDEPENDENT ACCOUNTANTS






     We consent to the incorporation by reference in the Registration  Statement
(on Form S-8, File No. 333-61487) of Norwood Financial Corp. of our report dated
January 23,  2004,  with respect to the  consolidated  financial  statements  of
Norwood Financial Corp. and subsidiary  incorporated by reference in this Annual
Report (Form 10-K) for the year ended December 31, 2003.



                                            /s/ BEARD MILLER COMPANY LLP



Harrisburg, Pennsylvania
March 19, 2004