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 Quarterly Report of Norwood Financial Corp. (the Company)
on Form  10-Q  for the  period  ending  September  30,  2004 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 and Chief
                                            Financial Officer




November 10, 2004