[LOGO]  Wayne Bank

        A Subsidiary of Norwood Financial Corp.  Member FDIC

        717 Main Street, P.O. Box 269, Honesdale, Pennsylvania 18431
        570-253-1455 o FAX: 570-253-03278 o www.waynebank.com


For Immediate Release - May 26, 2006
Contact:  Linda M. Moran, Director of Marketing
Phone:    (570) 253-8502

  SUSAN GUMBLE-COTTELL APPOINTED TO WAYNE BANK BOARD

Honesdale,  PA - William W. Davis, Jr., President and Chief Executive Officer of
Norwood Financial Corp and its subsidiary Wayne Bank, is pleased to announce the
election of Susan  Gumble-Cottell  to the Board of  Directors  of Wayne Bank and
Norwood Financial Corp, effective June 1, 2006.

Susan  Gumble-Cottell's  experience  includes ten years as President  and CEO of
Gumble Brothers,  Inc. which is a building materials company located in Paupack,
Pennsylvania.  Prior to her current position,  she was the Owner and Operator of
The Eel Emporium and a practicing  licensed Real Estate Agent in St.  Petersburg
Beach, Florida.

Ms.  Gumble-Cottell  is a native of Northeastern  Pennsylvania and a graduate of
Wallenpaupack  Area High School and  Keystone  Jr.  College.  She  received  her
Florida real estate license in 1982.

According to Mr. Davis,  "Ms.  Gumble-Cottell  will be a welcome addition to our
Board  bringing a variety of business  knowledge  from both Florida and the Lake
Region of the Pocono's, in addition to her real estate background and experience
as a local business owner."

Norwood  Financial  Corp.,  through  its  subsidiary  Wayne  Bank,  operates  11
community branch offices in Wayne, Pike and Monroe Counties.  Total assets as of
March 31, 2006 were $434.1  million,  with loans  receivable of $291.8  million,
deposits of $385.6 million and stockholders'  equity of $48.5 million.  The Bank
offers a complete  line of commercial  and retail  products as well as Trust and
other Asset  Management  services.  The Company's  stock is traded on the NASDAQ
market under the symbol, NWFL.  Additional  information is available through the
Company's website: www.waynebank.com

Wayne Bank is a subsidiary of Norwood Financial Corp., Member FDIC.