SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
(Rule 13d-102)
INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES
13d-1(b) AND (c) AND AMENDMENTS THERETO FILED PURSUANT TO
13d-2(b)
(Amendment No. __________)
NORWOOD FINANCIAL CORP.
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(Name of Issuer)
Common Stock $0.10 Par Value Per Share
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(Title of Class of Securities)
669549 10 7
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(CUSIP Number)
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CUSIP No. 669549 10 7 13G Page 1 of 5 Pages
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1 NAME OF REPORTING PERSONS
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
Wayne Bank Trust Department
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [ ]
N/A
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
Pennsylvania
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5 SOLE VOTING POWER
NUMBER OF
SHARES 141,362 Shares
BENEFICIALLY -------------------------------------------------------------------------------------------------------
OWNED BY 6 SHARED VOTING POWER
EACH 0 Shares
REPORTING -------------------------------------------------------------------------------------------------------
PERSON WITH
7 SOLE DISPOSITIVE POWER
141,362 Shares
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8 SHARED DISPOSITIVE POWER
0 Shares
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
141,362 Shares
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10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
CERTAIN SHARES |X|
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11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
8.11 %
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12 TYPE OF REPORTING PERSON
BK
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Item 1(a). Name of Issuer:
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Norwood Financial Corp.
Item 1(b). Address of Issuer's Principal Executive Offices:
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717 Main Street, Honesdale, Pennsylvania 18431
Item 2(a). Name of Person Filing:
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Wayne Bank Trust Department
Item 2(b). Address of Principal Business Office or, if None,
Residence:
717 Main Street, Honesdale, Pennsylvania 18431
Item 2(c). Citizenship:
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Pennsylvania
Item 2(d). Title of Class of Securities:
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Common Stock, $0.10 par value per share.
Item 2(e). CUSIP Number:
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669549 10 7
Item 3.
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Not Applicable.
Item 4. Ownership:
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The following information relates to the Wayne Bank Trust Department
ownership as of March 6, 2000.
(a) Amount beneficially owned:
141,362 shares
(b) Percent of Class:
8.11%
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(c) Number of shares as to which such person has:
(i) Sole power to vote or to direct the vote
141,362 shares
(ii) Shared power to vote or to direct the vote
0 shares
(iii) Sole power to dispose or to direct the disposition of
141,362 shares
(iv) Shared power to dispose or to direct the disposition of
0 shares
Wayne Bank Trust Department ("Department") is trustee to nine trust
accounts that include, in the aggregate, among their investments the
141,362 common stock of Norwood Financial Corp. The Department has sole
voting power with respect to those shares. Furthermore, the Department
holds an aggregate of 153,968 shares of Common Stock of Norwood
Financial Corp. in nine trust accounts as to which it has no voting
power. These shares are excluded from this schedule.
Item 5. Ownership of Five Percent or Less of a Class:
- -----------------------------------------------------
Virtually all of our accounts involve outside persons who have the
right to receive or direct the receipt of dividends from, or the proceeds from
the sale of, securities in such accounts with respect to the class of securities
which are subject to this report. However, no such person's rights relate to
more than five percent of the class unless such person is identified below.
Item 6. Ownership of More Than Five Percent on Behalf of Another Person:
- ------------------------------------------------------------------------
Not Applicable.
Item 7. Identification and Classification of the Subsidiary Which Acquired the
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Security Being Reported on by the Parent Holding Company:
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Not Applicable.
Item 8. Identification and Classification of Members of the Group:
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Not Applicable.
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Item 9. Notice of Dissolution of Group:
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Not Applicable.
Item 10. Certification:
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By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were acquired in the ordinary course of
business and were not acquired for the purpose of and do not have the effect of
changing or influencing the control of the issuer of such securities and were
not acquired in connection with or as a participant in any transaction having
such purpose or effect.
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SIGNATURE
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After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete, and
correct.
Wayne Bank Trust Department
Date: March 7, 2000 /s/ Wayne D. Wilcha
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By: Wayne D. Wilcha
Vice President and Trust Officer
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