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 27, 2000

                 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.

           (b)    On April 27, 2000, the Registrant engaged Beard
                  & Company Inc. as its independent public
                  accountant for the examination of the
                  Registrant's financial statements for the
                  fiscal year ending December 31, 2000, replacing
                  the Registrant's prior independent accountant,
                  Trout, Ebersole & Groff, LLP.

                  During the Registrant's two fiscal years ended
                  December 31, 1999 and 1998 and the subsequent
                  interim period preceding Beard's appointment,
                  neither the Registrant nor any person acting on
                  its behalf consulted Beard regarding: (1)
                  application of accounting principles to a
                  specified transaction, either completed or
                  proposed,(2) the type of audit opinion that
                  might be rendered on the Registrant's financial
                  statements, or (3) any matter that was the
                  subject of a disagreement (as defined in Item
                  304(a)(1)(iv) of Regulation S-K and its related
                  instructions) with its predecessor accountant or
                  constituted a reportable event (as described in
                  Item 304(a)(1)(v) of Regulation S-K).

                 The change in accountants was recommended by the
                 Audit Committee of the Registrant's Board of
                 Directors and approved by the Board of Directors
                 on April 27, 2000.  Trout, Ebersole & Groff,
                 LLP's declination to be reappointed as the
                 Registrant's independent public accountant was
                 previously reported on Form 8-K filed with the
                 SEC on April 10, 2000.

Item 5.    Other Events.

           Not Applicable.

Item 6.    Resignations of Registrant's Directors.

           Not Applicable.

<PAGE>

Item 7.    Financial Statements and Exhibits.

           (a)    Not Applicable.

           (b)    Not Applicable.

           (c)    Not Applicable.

Item 8.    Change in Fiscal Year.

           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 27, 2000        /s/Mark D. Gainer
                             ----------------------------------

                             Mark D. Gainer,
                             President & Chief Executive Officer


:108227
<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": "614799"}, "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 27, 2000

                 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.

           (b)    On April 27, 2000, the Registrant engaged Beard
                  & Company Inc. as its independent public
                  accountant for the examination of the
                  Registrant's financial statements for the
                  fiscal year ending December 31, 2000, replacing
                  the Registrant's prior independent accountant,
                  Trout, Ebersole & Groff, LLP.

                  During the Registrant's two fiscal years ended
                  December 31, 1999 and 1998 and the subsequent
                  interim period preceding Beard's appointment,
                  neither the Registrant nor any person acting on
                  its behalf consulted Beard regarding: (1)
                  application of accounting principles to a
                  specified transaction, either completed or
                  proposed,(2) the type of audit opinion that
                  might be rendered on the Registrant's financial
                  statements, or (3) any matter that was the
                  subject of a disagreement (as defined in Item
                  304(a)(1)(iv) of Regulation S-K and its related
                  instructions) with its predecessor accountant or
                  constituted a reportable event (as described in
                  Item 304(a)(1)(v) of Regulation S-K).

                 The change in accountants was recommended by the
                 Audit Committee of the Registrant's Board of
                 Directors and approved by the Board of Directors
                 on April 27, 2000.  Trout, Ebersole & Groff,
                 LLP's declination to be reappointed as the
                 Registrant's independent public accountant was
                 previously reported on Form 8-K filed with the
                 SEC on April 10, 2000.

Item 5.    Other Events.

           Not Applicable.

Item 6.    Resignations of Registrant's Directors.

           Not Applicable.
Item 7.    Financial Statements and Exhibits.

           (a)    Not Applicable.

           (b)    Not Applicable.

           (c)    Not Applicable.

Item 8.    Change in Fiscal Year.

           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 27, 2000        /s/Mark D. Gainer
                             ----------------------------------

                             Mark D. Gainer,
                             President & Chief Executive Officer

:108227