<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0000713671
<NAME> DNB FINANCIAL CORPORATION
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 11,238,879
<INT-BEARING-DEPOSITS> 1,678,125
<FED-FUNDS-SOLD> 7,516,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 76,484,529
<INVESTMENTS-CARRYING> 47,198,880
<INVESTMENTS-MARKET> 46,168,771
<LOANS> 176,752,068
<ALLOWANCE> 4,958,068
<TOTAL-ASSETS> 330,178,279
<DEPOSITS> 273,580,536
<SHORT-TERM> 3,977,000
<LIABILITIES-OTHER> 3,256,125
<LONG-TERM> 27,743,909
0
0
<COMMON> 1,611,339
<OTHER-SE> 20,009,370
<TOTAL-LIABILITIES-AND-EQUITY> 330,178,279
<INTEREST-LOAN> 7,214,907
<INTEREST-INVEST> 3,828,119
<INTEREST-OTHER> 109,832
<INTEREST-TOTAL> 11,152,858
<INTEREST-DEPOSIT> 4,954,753
<INTEREST-EXPENSE> 5,686,613
<INTEREST-INCOME-NET> 5,466,245
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,382,324
<INCOME-PRETAX> 1,896,099
<INCOME-PRE-EXTRAORDINARY> 1,318,099
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,318,099
<EPS-BASIC> .82
<EPS-DILUTED> .84
<YIELD-ACTUAL> 7.67
<LOANS-NON> 1,145,611
<LOANS-PAST> 626,740
<LOANS-TROUBLED> 40,000
<LOANS-PROBLEM> 7,993,000
<ALLOWANCE-OPEN> 5,085,078
<CHARGE-OFFS> 155,248
<RECOVERIES> 28,238
<ALLOWANCE-CLOSE> 4,958,068
<ALLOWANCE-DOMESTIC> 4,958,068
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>