STERLING FINANCIAL CORP /PA/
S-3DPOS, EX-99.3, 2001-01-16
NATIONAL COMMERCIAL BANKS
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                                  EXHIBIT 99.3

                         STERLING FINANCIAL CORPORATION

                           DIVIDEND REINVESTMENT PLAN
                                AUTHORIZATION FOR
                                DEPOSIT OF SHARES


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                                                                    EXHIBIT 99.3


                         STERLING FINANCIAL CORPORATION

                           DIVIDEND REINVESTMENT PLAN
                                AUTHORIZATION FOR
                                DEPOSIT OF SHARES


1.   YOU MUST BE A PARTICIPANT IN THE DIVIDEND REINVESTMENT PLAN TO QUALIFY FOR
     THIS SERVICE.
2.   PLEASE DO NOT ENDORSE YOUR CERTIFICATES; IT IS NOT NECESSARY FOR THIS
     PURPOSE.
3.   FILL OUT THE FORM BELOW, ATTACH CERTIFICATES AND RETURN TO:


                              SHAREHOLDER RELATIONS
                         STERLING FINANCIAL CORPORATION
                       C/O BANK OF LANCASTER COUNTY, N.A.
                             101 NORTH POINTE BLVD.
                            LANCASTER, PA 17601-4133


(You may also drop-off your certificates, along with this form, to a branch
office near you.)

Enclosed are ________ certificates for ________ shares of Sterling Financial
             (Number)                  (Total)
Corporation common stock for in my dividend reinvestment plan account. I
understand that in the event I request these certificates be re-issued in paper
form, I will pay a $15.00 service charge for each transaction/request. (Pursuant
to Question 21 in the Prospectus.) The service charge is subject to change with
prior written notice to each plan participant.


NAME:
      ------------------------------------------
ADDRESS:
         ---------------------------------------

         ---------------------------------------

       Please check if this is a new address.     Date:
- - ------                                                 -------------------------


- - --------------------------------------------------------------------------------
Signature


- - --------------------------------------------------------------------------------
Signature           (If stock held jointly, all parties must sign.)



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