<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0000713671
<NAME> DNB FINANCIAL CORPORATION
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 8,561,058
<INT-BEARING-DEPOSITS> 2,509,159
<FED-FUNDS-SOLD> 12,863,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 82,186,381
<INVESTMENTS-CARRYING> 45,509,628
<INVESTMENTS-MARKET> 44,267,504
<LOANS> 182,094,007
<ALLOWANCE> 4,927,725
<TOTAL-ASSETS> 343,396,870
<DEPOSITS> 286,095,527
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,462,885
<LONG-TERM> 32,742,557
0
0
<COMMON> 1,611,339
<OTHER-SE> 20,484,562
<TOTAL-LIABILITIES-AND-EQUITY> 343,396,870
<INTEREST-LOAN> 11,046,424
<INTEREST-INVEST> 6,010,044
<INTEREST-OTHER> 262,235
<INTEREST-TOTAL> 17,318,703
<INTEREST-DEPOSIT> 7,900,471
<INTEREST-EXPENSE> 9,114,978
<INTEREST-INCOME-NET> 8,203,725
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 25,424
<EXPENSE-OTHER> 6,667,024
<INCOME-PRETAX> 2,787,463
<INCOME-PRE-EXTRAORDINARY> 1,943,463
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,943,463
<EPS-BASIC> 1.21
<EPS-DILUTED> 1.19
<YIELD-ACTUAL> 7.70
<LOANS-NON> 1,018,364
<LOANS-PAST> 615,969
<LOANS-TROUBLED> 40,000
<LOANS-PROBLEM> 7,672,000
<ALLOWANCE-OPEN> 5,085,078
<CHARGE-OFFS> 201,493
<RECOVERIES> 44,139
<ALLOWANCE-CLOSE> 4,927,724
<ALLOWANCE-DOMESTIC> 4,927,724
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>