SECURITIES AND EXCHANGE COMMISSION

                      Washington, D.C.  20549

                              Form 8-K

                           CURRENT REPORT

                  Pursuant to Section 13 or 15(d) of
                  the Securities Exchange Act of 1934

                   Date of Report - April 18, 2001

                 UNION NATIONAL FINANCIAL CORPORATION
        (Exact name of registrant as specified in its charter)



    Pennsylvania                0-19214            23-2415179
---------------------------    -------------      -----------

State or other jurisdiction (Commission File     (IRS Employer
    of Incorporation)             Number)       Identification
                                                   Number)

   101 East Main Street, P.O. Box 567
         Mount Joy, Pennsylvania                        17552
---------------------------------------            --------------
(Address of principal executive offices)              (Zip Code)



 Registrant's telephone number including area code: (717) 653-1441
                                                    --------------


                                N/A
-----------------------------------------------------------------
   (Former name or former address, if changed since last report)

<PAGE>

Item 1.    Changes in Control of Registrant

           Not Applicable.

Item 2.    Acquisition or Disposition of Assets.

           Not Applicable.

Item 3.    Bankruptcy or Receivership.

           Not Applicable.

Item 4.    Changes in Registrant's Certifying Accountant.

           Not Applicable.

Item 5.    Other Events.

           On April 18, 2001, Union National Financial
           Corporation issued a press release reporting first
       quarter earnings and announcing the second quarter
   cash dividend for 2001.  The aforementioned is
attached as an exhibit to this Current Report on Form
8-K.

Item 6.    Resignations of Registrant's Directors.

           Not Applicable.

Item 7.    Financial Statements and Exhibits.

           (a)    Not Applicable.

           (b)    Not Applicable.

           (c)    Exhibits:
                  99.1       Press Release

Item 8.    Change in Fiscal Year.

           Not Applicable.

Item 9.    Regulation FD Disclosure.

           Not Applicable.

<PAGE>

Pursuant to the requirements of the Securities Exchange Act   of
1934, the Registrant has duly caused this report to be signed
on its behalf by the undersigned hereunto duly authorized.

                             UNION NATIONAL FINANCIAL CORPORATION
                             (Registrant)


Dated: April 18, 2001        /s/Mark D. Gainer
                             ----------------------------------

                             Mark D. Gainer,
                             President & Chief Executive Officer

<PAGE>
                            EXHIBIT INDEX

                                        Page Number in
Exhibit                                 Manually Signed Original

99.1            Press Release             5

<PAGE>
                          EXHIBIT 99.1

                          Press Release
<PAGE>
                          PRESS RELEASE

          Union National Financial Corporation Reports
          ____________________________________________

First Quarter Earnings and Announces Second Quarter Cash Dividend
_________________________________________________________________

Mount Joy, Pennsylvania, April 18, 2001.  Union National
Financial Corporation, the parent bank holding company of Union
National Community Bank, has reported earnings for the first
quarter of 2001 of $433,000, as compared to $675,000 for the
first quarter of 2000.  Basic and diluted earnings per share for
the first quarter of 2001, amounted to 17 cents, as compared to
basic and diluted earnings per share of 26 cents in 2000.

Union National attributes the decline in earnings to a narrowing
net interest margin percentage and non-recurring costs related to
both the Business Process Improvement project and technology
initiatives that commenced in 2000.  The Business Process
Improvement project helped us to identify fee income
opportunities, to develop operational efficiencies and to build
an effective organizational structure.  Other initiatives in
2000, including the establishment of our Wealth Management Group
and the opening of a new office in Columbia, also contributed to
the reduction in quarterly earnings.

During the first quarter, Union National also realized benefits
related to the Business Process Improvement project which
significantly offset the recurring system and related expenses of
the technology initiatives.  Additional benefits from this
project are expected to be realized as other identified
initiatives are implemented in the remaining quarters of 2001.

The Board of Directors of Union National Financial Corporation
recently approved the payment of its second regular quarterly
cash dividend for 2001.  The cash dividend of 10.5 cents per
share is payable on May 5, 2001, to stockholders of record on
April 26, 2001.  The dividend paid for the second quarter of 2000
was 14.3 cents per share.

<TABLE>
<CAPTION>
Financial Highlights March 31, 2001 March 31, 2000 Percent Change
____________________ ______________ ______________ ______________
<S>                  <C>            <C>            <C>
Net Interest Income      2,546,000      2,576,000       -1.2%
Provision for Loan
    Losses                 113,000         51,000      121.6%
Other Operating Income     521,000        383,000       36.0%
Other Operating Expenses 2,531,000      2,094,000       20.9%
Net Income                 433,000        675,000      -35.9%
Total Assets           292,236,000    271,666,000        7.6%
Total Loans            185,045,000    178,553,000        3.6%
Total Deposits         212,896,000    214,322,000       -0.7%
</TABLE>
<PAGE>

Union National Community Bank, the sole and wholly-owned
subsidiary of Union National Financial Corporation, has been
serving its communities for more than 147 years.  The bank
operates seven retail offices and an office for its Wealth
Management Group, all located in Lancaster County.

For Further Information, Please Contact:
Mark D. Gainer, President/CEO
Union National Financial Corporation
101 East Main Street
P.O. Box 567
Mount Joy, PA 17552-0567
(717) 653-1441

This press release may contain forward-looking statements as
defined in the Private Securities Litigation Reform Act of 1995.
Actual results and trends could differ materially from those set
forth in such statements due to various factors.  Such factors
include the possibility that increased demand or prices for the
company's financial services and products may not occur, changing
economic and competitive conditions, technological developments
and other risks and uncertainties, including those detailed in
the Company's filings with the Securities and Exchange
Commission.
<PAGE>
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{"company-data": {"conformed-name": "UNION NATIONAL FINANCIAL CORP / PA", "cik": "0000874482", "assigned-sic": "6021", "irs-number": "232415179", "state-of-incorporation": "PA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-19214", "film-number": "1606043"}, "business-address": {"street1": "101 E MAIN ST", "street2": "P O BOX 567", "city": "MOUNT JOY", "state": "PA", "zip": "17552", "phone": "7176531441"}, "mail-address": {"street1": "101 EAST MAIN ST", "street2": "P O BOX 567", "city": "MOUNT JOY", "state": "PA", "zip": "17552-0567"}}
SECURITIES AND EXCHANGE COMMISSION

                      Washington, D.C.  20549

                              Form 8-K

                           CURRENT REPORT

                  Pursuant to Section 13 or 15(d) of
                  the Securities Exchange Act of 1934

                   Date of Report - April 18, 2001

                 UNION NATIONAL FINANCIAL CORPORATION
        (Exact name of registrant as specified in its charter)

    Pennsylvania                0-19214            23-2415179
---------------------------    -------------      -----------

State or other jurisdiction (Commission File     (IRS Employer
    of Incorporation)             Number)       Identification
                                                   Number)

   101 East Main Street, P.O. Box 567
         Mount Joy, Pennsylvania                        17552
---------------------------------------            --------------
(Address of principal executive offices)              (Zip Code)

 Registrant's telephone number including area code: (717) 653-1441
                                                    --------------

                                N/A
-----------------------------------------------------------------
   (Former name or former address, if changed since last report)
Item 1.    Changes in Control of Registrant

           Not Applicable.

Item 2.    Acquisition or Disposition of Assets.

           Not Applicable.

Item 3.    Bankruptcy or Receivership.

           Not Applicable.

Item 4.    Changes in Registrant's Certifying Accountant.

           Not Applicable.

Item 5.    Other Events.

           On April 18, 2001, Union National Financial
           Corporation issued a press release reporting first
       quarter earnings and announcing the second quarter
   cash dividend for 2001.  The aforementioned is
attached as an exhibit to this Current Report on Form
8-K.

Item 6.    Resignations of Registrant's Directors.

           Not Applicable.

Item 7.    Financial Statements and Exhibits.

           (a)    Not Applicable.

           (b)    Not Applicable.

           (c)    Exhibits:
                  99.1       Press Release

Item 8.    Change in Fiscal Year.

           Not Applicable.

Item 9.    Regulation FD Disclosure.

           Not Applicable.
Pursuant to the requirements of the Securities Exchange Act   of
1934, the Registrant has duly caused this report to be signed
on its behalf by the undersigned hereunto duly authorized.

                             UNION NATIONAL FINANCIAL CORPORATION
                             (Registrant)

Dated: April 18, 2001        /s/Mark D. Gainer
                             ----------------------------------

                             Mark D. Gainer,
                             President & Chief Executive Officer
EXHIBIT INDEX

                                        Page Number in
Exhibit                                 Manually Signed Original

99.1            Press Release             5
EXHIBIT 99.1

                          Press Release
PRESS RELEASE

          Union National Financial Corporation Reports
          ____________________________________________

First Quarter Earnings and Announces Second Quarter Cash Dividend
_________________________________________________________________

Mount Joy, Pennsylvania, April 18, 2001.  Union National
Financial Corporation, the parent bank holding company of Union
National Community Bank, has reported earnings for the first
quarter of 2001 of $433,000, as compared to $675,000 for the
first quarter of 2000.  Basic and diluted earnings per share for
the first quarter of 2001, amounted to 17 cents, as compared to
basic and diluted earnings per share of 26 cents in 2000.

Union National attributes the decline in earnings to a narrowing
net interest margin percentage and non-recurring costs related to
both the Business Process Improvement project and technology
initiatives that commenced in 2000.  The Business Process
Improvement project helped us to identify fee income
opportunities, to develop operational efficiencies and to build
an effective organizational structure.  Other initiatives in
2000, including the establishment of our Wealth Management Group
and the opening of a new office in Columbia, also contributed to
the reduction in quarterly earnings.

During the first quarter, Union National also realized benefits
related to the Business Process Improvement project which
significantly offset the recurring system and related expenses of
the technology initiatives.  Additional benefits from this
project are expected to be realized as other identified
initiatives are implemented in the remaining quarters of 2001.

The Board of Directors of Union National Financial Corporation
recently approved the payment of its second regular quarterly
cash dividend for 2001.  The cash dividend of 10.5 cents per
share is payable on May 5, 2001, to stockholders of record on
April 26, 2001.  The dividend paid for the second quarter of 2000
was 14.3 cents per share.
Financial Highlights March 31, 2001 March 31, 2000 Percent Change
____________________ ______________ ______________ ______________
Net Interest Income      2,546,000      2,576,000       -1.2%
Provision for Loan
    Losses                 113,000         51,000      121.6%
Other Operating Income     521,000        383,000       36.0%
Other Operating Expenses 2,531,000      2,094,000       20.9%
Net Income                 433,000        675,000      -35.9%
Total Assets           292,236,000    271,666,000        7.6%
Total Loans            185,045,000    178,553,000        3.6%
Total Deposits         212,896,000    214,322,000       -0.7%
Union National Community Bank, the sole and wholly-owned
subsidiary of Union National Financial Corporation, has been
serving its communities for more than 147 years.  The bank
operates seven retail offices and an office for its Wealth
Management Group, all located in Lancaster County.

For Further Information, Please Contact:
Mark D. Gainer, President/CEO
Union National Financial Corporation
101 East Main Street
P.O. Box 567
Mount Joy, PA 17552-0567
(717) 653-1441

This press release may contain forward-looking statements as
defined in the Private Securities Litigation Reform Act of 1995.
Actual results and trends could differ materially from those set
forth in such statements due to various factors.  Such factors
include the possibility that increased demand or prices for the
company's financial services and products may not occur, changing
economic and competitive conditions, technological developments
and other risks and uncertainties, including those detailed in
the Company's filings with the Securities and Exchange
Commission.