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  <FONT SIZE=2><P ALIGN="CENTER"><B>UNITED STATES<BR>
  SECURITIES AND EXCHANGE COMMISSION<BR>
  Washington, D.C. 20549</P>
  </B><P ALIGN="CENTER"></FONT><B><FONT FACE="Arial" SIZE=4>FORM 144</P>
  </FONT><P ALIGN="CENTER">NOTICE OF PROPOSED SALE OF SECURITIES<BR>
  PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933</P><DIR>
  <DIR>
  <DIR>
  <DIR>
  <DIR>
  
  <P>ATTENTION:<FONT SIZE=2>&#9;</B><I>Transmit for filing 3 copies of this form concurrently with either placing an order with a broker to execute sale <BR>
  or executing a sale directly with a market maker</P></DIR>
  </DIR>
  </DIR>
  </DIR>
  </DIR>
  </I></FONT>
  <TABLE BORDER CELLSPACING=1 CELLPADDING=7 WIDTH=949>
  <TR><TD WIDTH="53%" VALIGN="TOP" COLSPAN=3>
  <FONT SIZE=1><P>1 <I>(a) </I>NAME OF ISSUER <I>(Please type or print)</I>                                                                                                <B>HARLEYSVILLE NATIONAL CORPORATION</B></FONT></TD>
  <TD WIDTH="14%" VALIGN="TOP" COLSPAN=2>
  <I><FONT SIZE=1><P>(b)</I> IRS IDENT. NO.              <B>23-2210237</B></FONT></TD>
  <TD WIDTH="33%" VALIGN="TOP" COLSPAN=3>
  <I><FONT SIZE=1><P>(c) </I>S.E.C. FILE NO.                           <B>0-51237</B></FONT></TD>
  </TR>
  <TR><TD WIDTH="80%" VALIGN="TOP" COLSPAN=6 HEIGHT=8>
  <FONT SIZE=1><P>1 (<I>d</I>) ADDRESS OF ISSUER &#9;STREET &#9;CITY&#9; STATE &#9;ZIP CODE</FONT></TD>
  <TD WIDTH="20%" VALIGN="TOP" COLSPAN=2 HEIGHT=8>
  <I><FONT SIZE=1><P>(e) </I>TELEPHONE NO.</FONT></TD>
  </TR>
  <TR><TD WIDTH="80%" VALIGN="TOP" COLSPAN=6>
  <B><FONT SIZE=1><P>     483 MAIN ST                                                  HARLEYSVILLE                          PA                             19438</B></FONT></TD>
  <TD WIDTH="8%" VALIGN="TOP">
  <FONT SIZE=1><P>AREA CODE                     </FONT><B><FONT SIZE=1>215</B></FONT></TD>
  <TD WIDTH="12%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">NUMBER                           </FONT><B><FONT SIZE=1>256-8851</B></FONT></TD>
  </TR>
  <TR><TD WIDTH="29%" VALIGN="TOP"><DIR>
  
  <FONT SIZE=1><P>2 <I>(a) </I>NAME OF PERSON FOR WHOSE ACCOUNT THE SECURITIES ARE TO BE SOLD                                                              <B>TRACIE A. YOUNG</DIR>
  </B></FONT></TD>
  <TD WIDTH="15%" VALIGN="TOP"><DIR>
  
  <I><FONT SIZE=1><P>(b) </I>SOCIAL SECURITY NO. OR IRS IDENT. NO.                          </DIR>
  </FONT></TD>
  <TD WIDTH="13%" VALIGN="TOP" COLSPAN=2><DIR>
  
  <I><FONT SIZE=1><P>(c) </I>RELATIONSHIP TO ISSUER                             <B>SR. VICE PRESIDENT</DIR>
  </B></FONT></TD>
  <TD WIDTH="44%" VALIGN="TOP" COLSPAN=4>
  <I><FONT SIZE=1><P>(d) </I>ADDRESS STREET&#9;CITY&#9;STATE&#9;ZIP CODE</P>
  <B><P>483 MAIN ST                               HARLEYSVILLE                    PA                 19438</B></FONT></TD>
  </TR>
  </TABLE>
  
  <FONT SIZE=2>
  <I><P ALIGN="CENTER">INSTRUCTION:  The person filing this notice should contact the issuer to obtain the I.R.S. Identification Number and the S.E.C. File Number.</P></I></FONT>
  <TABLE BORDER CELLSPACING=1 CELLPADDING=7 WIDTH=955>
  <TR><TD WIDTH="9%" VALIGN="TOP">
  <FONT SIZE=1><P>3 <I>(a)</I></FONT></TD>
  <TD WIDTH="23%" VALIGN="TOP">
  <I><FONT SIZE=1><P>(b)</I></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">SEC USE ONLY</B></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <I><FONT SIZE=1><P>(c)</I></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <I><FONT SIZE=1><P>(d)</I></FONT></TD>
  <TD WIDTH="12%" VALIGN="TOP">
  <I><FONT SIZE=1><P>(e)</I></FONT></TD>
  <TD WIDTH="12%" VALIGN="TOP">
  <I><FONT SIZE=1><P>(f)</I></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <I><FONT SIZE=1><P>(g)</I></FONT></TD>
  </TR>
  <TR><TD WIDTH="9%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">Title of the</P>
  <P ALIGN="CENTER">Class of</P>
  <P ALIGN="CENTER">Securities </P>
  <P ALIGN="CENTER">To Be Sold</B></FONT></TD>
  <TD WIDTH="23%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER"></P>
  </FONT><FONT SIZE=1><P ALIGN="CENTER">Name and Address of Each Broker Through Whom the</P>
  <P ALIGN="CENTER">Securities are to be Offered or Each Market Maker</P>
  <P ALIGN="CENTER">who is Acquiring the Securities</B></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP" BGCOLOR="#ffffff">
  <FONT SIZE=1>
  </FONT><B><FONT SIZE=1><P ALIGN="CENTER">Broker-Dealer</P>
  <P ALIGN="CENTER">File Number</B></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">Number of Shares</P>
  <P ALIGN="CENTER">or Other Units</P>
  <P ALIGN="CENTER">To Be Sold</P>
  <I><P ALIGN="CENTER">(See instr. 3(c))</B></I></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">Aggregate </P>
  <P ALIGN="CENTER">Market</P>
  <P ALIGN="CENTER">Value</P>
  <I><P ALIGN="CENTER">(See instr. 3(d))</B></I></FONT></TD>
  <TD WIDTH="12%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">Number of Shares</P>
  <P ALIGN="CENTER">or Other Units</P>
  <P ALIGN="CENTER">Outstanding</P>
  <I><P ALIGN="CENTER">(See instr. 3(e))</B></I></FONT></TD>
  <TD WIDTH="12%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">Approximate</P>
  <P ALIGN="CENTER">Date of Sale</P>
  <P ALIGN="CENTER">(See instr. 3(f))</P>
  <P ALIGN="CENTER">(MO.  DAY  YR.)</B></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">Name of Each</P>
  <P ALIGN="CENTER">Securities</P>
  <P ALIGN="CENTER">Exchange</P>
  <I><P ALIGN="CENTER">(See instr. 3(g))</B></I></FONT></TD>
  </TR>
  <TR><TD WIDTH="9%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">COMMON STOCK</B></FONT></TD>
  <TD WIDTH="23%" VALIGN="TOP">
  <B><FONT SIZE=1><P>F. J. Morrissey &amp; Co.                                                                   4 Tower Bridge,  200 Barr Harbor Dr,  Suite 300                     West Conshohocken, PA 19428-2979 </B></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP" BGCOLOR="#ffffff">&nbsp;</TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">2,000</B></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">$52,000*</B></FONT></TD>
  <TD WIDTH="12%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">18,999,804</B></FONT></TD>
  <TD WIDTH="12%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">04/15/2003</B></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <B><FONT SIZE=1><P ALIGN="CENTER">NASDAQ</B></FONT></TD>
  </TR>
  <TR><TD WIDTH="9%" VALIGN="TOP">&nbsp;</TD>
  <TD WIDTH="23%" VALIGN="TOP">
  <B><FONT SIZE=1><P>*Based on closing price of HNBC on 04/14/2003. </B></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP" BGCOLOR="#ffffff">&nbsp;</TD>
  <TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
  <TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
  <TD WIDTH="12%" VALIGN="TOP">&nbsp;</TD>
  <TD WIDTH="12%" VALIGN="TOP">&nbsp;</TD>
  <TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
  </TR>
  </TABLE>
  
  <B><FONT SIZE=1><P>INSTRUCTIONS:</P>
  </B></FONT>
  <TABLE CELLSPACING=0 BORDER=0 CELLPADDING=7 WIDTH=955>
  <TR><TD WIDTH="40%" VALIGN="TOP"><DIR>
  
  <FONT SIZE=1><P>1. (a)  Name of issuer</DIR>
  </FONT></TD>
  <TD WIDTH="60%" VALIGN="TOP">
  <FONT SIZE=1><P>3. (a) Title of the class of securities to be sold</FONT></TD>
  </TR>
  <TR><TD WIDTH="40%" VALIGN="TOP"><DIR>
  
  <FONT SIZE=1><P>&#9;(b)  Issuer's I.R.S. Identification Number</DIR>
  </FONT></TD>
  <TD WIDTH="60%" VALIGN="TOP">
  <FONT SIZE=1><P>&#9;(b)  Name and Address of each broker through whom the securities are intended to be sold</FONT></TD>
  </TR>
  <TR><TD WIDTH="40%" VALIGN="TOP"><DIR>
  
  <FONT SIZE=1><P>&#9;(c)  Issuer's S.E.C. file number, if any</DIR>
  </FONT></TD>
  <TD WIDTH="60%" VALIGN="TOP">
  <FONT SIZE=1><P>&#9;(c)  Number of shares or other units to be sold (if debt securities, give the aggregate face amount)</FONT></TD>
  </TR>
  <TR><TD WIDTH="40%" VALIGN="TOP"><DIR>
  
  <FONT SIZE=1><P>&#9;(d)  Issuer's address, including zip code</DIR>
  </FONT></TD>
  <TD WIDTH="60%" VALIGN="TOP">
  <FONT SIZE=1><P>&#9;(d)  Aggregate market value of the securities to be sold as of a specified date within 10 days prior to the filing of this notice</FONT></TD>
  </TR>
  <TR><TD WIDTH="40%" VALIGN="TOP"><DIR>
  
  <FONT SIZE=1><P>&#9;(e)  Issuer's telephone number, including area code</DIR>
  </FONT></TD>
  <TD WIDTH="60%" VALIGN="TOP">
  <FONT SIZE=1><P>&#9;(e)  Number of shares or other units of the class outstanding, or if debt securities the face amount thereof outstanding, as &#9;shown by the most recent report or statement published by the issuer</FONT></TD>
  </TR>
  <TR><TD WIDTH="40%" VALIGN="TOP">&nbsp;</TD>
  <TD WIDTH="60%" VALIGN="TOP">
  <FONT SIZE=1><P>&#9;(f)  Approximate date on which the securities are to be sold</FONT></TD>
  </TR>
  <TR><TD WIDTH="40%" VALIGN="TOP"><DIR>
  
  <FONT SIZE=1><P>2. (a)  Name of person for whose account the securities are to be sold</DIR>
  </FONT></TD>
  <TD WIDTH="60%" VALIGN="TOP">
  <FONT SIZE=1><P>&#9;(g)  Name of each securities exchange, if any, on which the securities are intended to be sold</FONT></TD>
  </TR>
  <TR><TD WIDTH="40%" VALIGN="TOP"><DIR>
  
  <FONT SIZE=1><P>&#9;(b)  Such person's I.R.S. identification number, if such person is an entity</DIR>
  </FONT></TD>
  <TD WIDTH="60%" VALIGN="TOP">&nbsp;</TD>
  </TR>
  <TR><TD WIDTH="40%" VALIGN="TOP"><DIR>
  
  <FONT SIZE=1><P>&#9;(c)  Such person's relationship to the issuer (e.g., officer, director, 10% &#9;stockholder, or member of immediate family of any of the foregoing)</DIR>
  </FONT></TD>
  <TD WIDTH="60%" VALIGN="TOP">&nbsp;</TD>
  </TR>
  <TR><TD WIDTH="40%" VALIGN="TOP"><DIR>
  
  <FONT SIZE=1><P>&#9;(d)  Such person's address, including zip code</DIR>
  </FONT></TD>
  <TD WIDTH="60%" VALIGN="TOP">&nbsp;</TD>
  </TR>
  </TABLE>
  
  <FONT SIZE=1>
  </FONT><B><FONT SIZE=2><P ALIGN="CENTER">TABLE I - SECURITIES TO BE SOLD</P>
  </B><I><P ALIGN="CENTER">Furnish the following information with respect to the acquisition of the securities to be sold</P>
  <P ALIGN="CENTER">and with respect to the payment of all or any part of the purchase price or other consideration therefor:</P></I></FONT>
  <TABLE BORDER CELLSPACING=1 CELLPADDING=7 WIDTH=955>
  <TR><TD WIDTH="9%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">Title of <BR>
  the Class</FONT></TD>
  <TD WIDTH="7%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">Date you Acquired</FONT></TD>
  <TD WIDTH="24%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">Nature of Acquisition Transaction</FONT></TD>
  <TD WIDTH="25%" VALIGN="TOP" COLSPAN=2>
  <FONT SIZE=1><P ALIGN="CENTER">Name of Person from Whom Acquired <I>(If gift, also give date donor acquired)</I></FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">Amount of Securities Acquired</FONT></TD>
  <TD WIDTH="9%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">Date of Payment</FONT></TD>
  <TD WIDTH="16%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">Nature of Payment</FONT></TD>
  </TR>
  <TR><TD WIDTH="9%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">COMMON STOCK</FONT></TD>
  <TD WIDTH="7%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">04/15/2003</FONT></TD>
  <TD WIDTH="24%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">ISO STOCK OPTION EXERCISE UNDER 1998 STOCK INCENTIVE PLAN </FONT></TD>
  <TD WIDTH="25%" VALIGN="TOP" COLSPAN=2>
  <FONT SIZE=1><P ALIGN="CENTER">ISSUER</FONT></TD>
  <TD WIDTH="11%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">2,000</FONT></TD>
  <TD WIDTH="9%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">04/15/2003</FONT></TD>
  <TD WIDTH="16%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">SAME-DAY SALE THROUGH                                        F. J. Morrissey &amp; Co.</FONT></TD>
  </TR>
  <TR><TD WIDTH="50%" VALIGN="TOP" COLSPAN=4><DIR>
  <DIR>
  <DIR>
  <DIR>
  
  <B><FONT SIZE=1><P ALIGN="JUSTIFY">INSTRUCTIONS:    </B>1.   If the securities were purchased and full payment therefor was not made in cash at the time of purchase, explain in the table or in a note thereto the nature of the consideration given. If the consideration consisted of any note or other obligation, or if payment was made in installments describe the arrangement and state when the note or other obligation was discharged in full or the last installment paid.</DIR>
  </DIR>
  </DIR>
  </DIR>
  </FONT></TD>
  <TD WIDTH="50%" VALIGN="TOP" COLSPAN=4><DIR>
  
  <FONT SIZE=1><P ALIGN="JUSTIFY">2.  If within two years after the acquisition of the securities the person for whose account they are to be sold had any short positions, put or other option to dispose of securities referred to in paragraph (d)(3) of Rule 144, furnish full information with respect thereto.</DIR>
  </FONT></TD>
  </TR>
  </TABLE>
  
  <FONT SIZE=1>
  </FONT><B><FONT SIZE=2><P ALIGN="CENTER">TABLE II - SECURITIES SOLD DURING THE PAST 3 MONTHS</P>
  </B><I><P ALIGN="CENTER">Furnish the following information as to all securities of the issuer sold during the past 3 months by the person for whose account the securities are to be sold.</P></I></FONT>
  <TABLE BORDER CELLSPACING=1 CELLPADDING=7 WIDTH=955>
  <TR><TD WIDTH="42%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER"></P>
  <P ALIGN="CENTER">Name and Address of Seller</FONT></TD>
  <TD WIDTH="20%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER"></P>
  <P ALIGN="CENTER">Title of Securities Sold</FONT></TD>
  <TD WIDTH="8%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER"></P>
  <P ALIGN="CENTER">Date of Sale</FONT></TD>
  <TD WIDTH="15%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER">Amount of<BR>
  Securities Sold</FONT></TD>
  <TD WIDTH="15%" VALIGN="TOP">
  <FONT SIZE=1><P ALIGN="CENTER"><BR>
  Gross Proceeds</FONT></TD>
  </TR>
  <TR><TD WIDTH="42%" VALIGN="TOP">&nbsp;</TD>
  <TD WIDTH="20%" VALIGN="TOP">&nbsp;</TD>
  <TD WIDTH="8%" VALIGN="TOP">&nbsp;</TD>
  <TD WIDTH="15%" VALIGN="TOP">&nbsp;</TD>
  <TD WIDTH="15%" VALIGN="TOP">&nbsp;</TD>
  </TR>
  </TABLE>
  
  <B><FONT SIZE=1><P>REMARKS:</P>
  </B></FONT><FONT SIZE=1></FONT>
  <TABLE BORDER CELLSPACING=1 CELLPADDING=7 WIDTH=955>
  <TR><TD WIDTH="47%" VALIGN="TOP">
  <B><FONT SIZE=2><P ALIGN="JUSTIFY">INSTRUCTIONS:  </P>
  </B></FONT><FONT SIZE=1><P ALIGN="JUSTIFY">See the definition of "person" in paragraph (a) of Rule 144. Information is to be given not only as to the person for whose account the securities are to be sold but also as to all other persons included in that definition. In addition, information shall be given as to sales by all persons whose sales are required by paragraph (e) of Rule 144 to be aggregated with sales for the account of the person filing this notice.</FONT></TD>
  <TD WIDTH="53%" VALIGN="TOP">
  <B><FONT SIZE=2><P ALIGN="JUSTIFY">ATTENTION:  </P>
  </B></FONT><I><FONT SIZE=1><P ALIGN="JUSTIFY">The person for whose account the securities to which this notice relates are to be sold hereby represents by signing this notice that he does not know any material adverse information in regard to the current and prospective operations of the Issuer of the securities to be sold which has not been publicly disclosed.  </I></FONT></TD>
  </TR>
  </TABLE>
  
  <FONT SIZE=2>
  <P>&#9;<U>April 15, 2003&#9;</U>&#9;<U>/s/ Tracie A. Young     &#9;&#9;</P>
  </U></FONT><FONT SIZE=1><P>&#9;&#9;DATE OF NOTICE&#9;&#9;(SIGNATURE)</P>
  </FONT><I><FONT SIZE=1><P ALIGN="CENTER">The notice shall be </FONT><FONT SIZE=2>signed by the person for whose account the securities are to be sold.  At least one copy of the notice shall be manually signed. </P>
  <P ALIGN="CENTER">Any copies not manually signed shall bear typed or printed signatures.</P></I></FONT>
  <TABLE BORDER CELLSPACING=1 CELLPADDING=7 WIDTH=926>
  <TR><TD VALIGN="TOP">
  <B><FONT SIZE=2><P>ATTENTION:  Intentional misstatements or omission of facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)</B></FONT></TD>
  </TR>
  </TABLE>
  
  <FONT SIZE=2></FONT></BODY>
  </HTML>
metadata_documents: [{"type": "144", "sequence": "1", "filename": "young144.htm", "secsgml_size_bytes": 15573}]
text: UNITED STATES
  UNITED STATES
  SECURITIES AND EXCHANGE COMMISSION
  Washington, D.C. 20549
  FORM 144
  NOTICE OF PROPOSED SALE OF SECURITIES
  PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933
  ATTENTION:
  Transmit for filing 3 copies of this form concurrently with either placing an order with a broker to execute sale
  or executing a sale directly with a market maker
  1
  (a)
  NAME OF ISSUER
  (Please type or print)
  HARLEYSVILLE NATIONAL CORPORATION
  (b)
  IRS IDENT. NO.
  23-2210237
  (c)
  S.E.C. FILE NO.
  0-51237
  1 (
  d
  ) ADDRESS OF ISSUER 	STREET 	CITY	 STATE 	ZIP CODE
  (e)
  TELEPHONE NO.
  483 MAIN ST                                                  HARLEYSVILLE                          PA                             19438
  AREA CODE
  215
  NUMBER
  256-8851
  2
  (a)
  NAME OF PERSON FOR WHOSE ACCOUNT THE SECURITIES ARE TO BE SOLD
  TRACIE A. YOUNG
  (b)
  SOCIAL SECURITY NO. OR IRS IDENT. NO.
  (c)
  RELATIONSHIP TO ISSUER
  SR. VICE PRESIDENT
  (d)
  ADDRESS STREET	CITY	STATE	ZIP CODE
  483 MAIN ST                               HARLEYSVILLE                    PA                 19438
  INSTRUCTION:  The person filing this notice should contact the issuer to obtain the I.R.S. Identification Number and the S.E.C. File Number.
  3
  (a)
  (b)
  SEC USE ONLY
  (c)
  (d)
  (e)
  (f)
  (g)
  Title of the
  Class of
  Securities
  To Be Sold
  Name and Address of Each Broker Through Whom the
  Securities are to be Offered or Each Market Maker
  who is Acquiring the Securities
  Broker-Dealer
  File Number
  Number of Shares
  or Other Units
  To Be Sold
  (See instr. 3(c))
  Aggregate
  Market
  Value
  (See instr. 3(d))
  Number of Shares
  or Other Units
  Outstanding
  (See instr. 3(e))
  Approximate
  Date of Sale
  (See instr. 3(f))
  (MO.  DAY  YR.)
  Name of Each
  Securities
  Exchange
  (See instr. 3(g))
  COMMON STOCK
  F. J. Morrissey & Co.                                                                   4 Tower Bridge,  200 Barr Harbor Dr,  Suite 300                     West Conshohocken, PA 19428-2979
  2,000
  $52,000*
  18,999,804
  04/15/2003
  NASDAQ
  *Based on closing price of HNBC on 04/14/2003.
  INSTRUCTIONS:
  1. (a)  Name of issuer
  3. (a) Title of the class of securities to be sold
  (b)  Issuer's I.R.S. Identification Number
  (b)  Name and Address of each broker through whom the securities are intended to be sold
  (c)  Issuer's S.E.C. file number, if any
  (c)  Number of shares or other units to be sold (if debt securities, give the aggregate face amount)
  (d)  Issuer's address, including zip code
  (d)  Aggregate market value of the securities to be sold as of a specified date within 10 days prior to the filing of this notice
  (e)  Issuer's telephone number, including area code
  (e)  Number of shares or other units of the class outstanding, or if debt securities the face amount thereof outstanding, as 	shown by the most recent report or statement published by the issuer
  (f)  Approximate date on which the securities are to be sold
  2. (a)  Name of person for whose account the securities are to be sold
  (g)  Name of each securities exchange, if any, on which the securities are intended to be sold
  (b)  Such person's I.R.S. identification number, if such person is an entity
  (c)  Such person's relationship to the issuer (e.g., officer, director, 10% 	stockholder, or member of immediate family of any of the foregoing)
  (d)  Such person's address, including zip code
  TABLE I - SECURITIES TO BE SOLD
  Furnish the following information with respect to the acquisition of the securities to be sold
  and with respect to the payment of all or any part of the purchase price or other consideration therefor:
  Title of
  the Class
  Date you Acquired
  Nature of Acquisition Transaction
  Name of Person from Whom Acquired
  (If gift, also give date donor acquired)
  Amount of Securities Acquired
  Date of Payment
  Nature of Payment
  COMMON STOCK
  04/15/2003
  ISO STOCK OPTION EXERCISE UNDER 1998 STOCK INCENTIVE PLAN
  ISSUER
  2,000
  04/15/2003
  SAME-DAY SALE THROUGH                                        F. J. Morrissey & Co.
  INSTRUCTIONS:
  1.   If the securities were purchased and full payment therefor was not made in cash at the time of purchase, explain in the table or in a note thereto the nature of the consideration given. If the consideration consisted of any note or other obligation, or if payment was made in installments describe the arrangement and state when the note or other obligation was discharged in full or the last installment paid.
  2.  If within two years after the acquisition of the securities the person for whose account they are to be sold had any short positions, put or other option to dispose of securities referred to in paragraph (d)(3) of Rule 144, furnish full information with respect thereto.
  TABLE II - SECURITIES SOLD DURING THE PAST 3 MONTHS
  Furnish the following information as to all securities of the issuer sold during the past 3 months by the person for whose account the securities are to be sold.
  Name and Address of Seller
  Title of Securities Sold
  Date of Sale
  Amount of
  Securities Sold
  Gross Proceeds
  REMARKS:
  INSTRUCTIONS:
  See the definition of "person" in paragraph (a) of Rule 144. Information is to be given not only as to the person for whose account the securities are to be sold but also as to all other persons included in that definition. In addition, information shall be given as to sales by all persons whose sales are required by paragraph (e) of Rule 144 to be aggregated with sales for the account of the person filing this notice.
  ATTENTION:
  The person for whose account the securities to which this notice relates are to be sold hereby represents by signing this notice that he does not know any material adverse information in regard to the current and prospective operations of the Issuer of the securities to be sold which has not been publicly disclosed.
  April 15, 2003
  /s/ Tracie A. Young
  DATE OF NOTICE		(SIGNATURE)
  The notice shall be
  signed by the person for whose account the securities are to be sold.  At least one copy of the notice shall be manually signed.
  Any copies not manually signed shall bear typed or printed signatures.
  ATTENTION:  Intentional misstatements or omission of facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)