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 - October 21, 2004

                 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.)

Check the appropriate box below if the Form 8-K filing is
intended to simultaneously satisfy the filing obligation of the
registrant under any of the following provisions:

[ ] Written communications pursuant to Rule 425 under the
Securities Act (17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the
Exchange Act (17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b)
under the Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c)
under the Exchange Act (17 CFR 240.13e-4(c))

<PAGE>

Item 2.02  Results of Operations and Financial Condition
           _____________________________________________

           On October 21, 2004, Union National Financial
           Corporation issued a press release reporting third
           quarter earnings and announcing its fourth quarter
           cash dividend.  The aforementioned is attached as an
           exhibit to this Current Report on Form 8-K.

Item 9.01  Financial Statements and Exhibits
           _________________________________

      (b)  Exhibits.

           Exhibit No.   Description
           ___________   ___________
           99.1          Earnings Release dated October 21, 2004.



<PAGE>

                          SIGNATURE

     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: October 21, 2004      /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 Third Quarter
   __________________________________________________________
       Earnings and Announces Fourth Quarter Cash Dividend
       ___________________________________________________

Mount Joy, Pennsylvania, October 21, 2004.  Union National
Financial Corporation, the parent bank holding company of Union
National Community Bank, reported basic earnings per share for
the third quarter of 2004 of $0.34, as compared to basic earnings
per share of $0.32 for the same period of 2003, an increase of
6.3%.  Diluted earnings per share amounted to $0.33 for the
quarter ended September 30, 2004, as compared to $0.32 for 2003.
Consolidated earnings for the third quarter of 2004 amounted to
$806,000, as compared to $812,000 for the same period of 2003.
For the nine months ended September 30, 2004, basic earnings per
share amounted to $0.98 and diluted earnings per share amounted
to $0.96, as compared to basic earnings per share of $0.99 and
diluted earnings per share of $0.97 for the nine months ended
September 30, 2003.  Consolidated earnings for the nine months
ended September 30, 2004, were $2,371,000, as compared to
$2,471,000 for the same period of 2003.  Earnings for the third
quarter of 2004 reflected an increase as compared to earnings of
$792,000 for the second quarter of 2004.  In addition, third
quarter earnings per share compared favorably to basic earnings
per share of $0.33 for the second quarter of 2004 and diluted
earnings per share of $0.32 per share.

Union National's earnings for the third quarter and the first
nine months of 2004, as compared to the same periods of 2003,
were enhanced by an increase in net interest income.  However,
this increase in income was more than offset by an increase in
the provision for loan losses, a decrease in other operating
income and an increase in other operating expenses.  The increase
in net interest income resulted from growth in earning assets and
specifically strong continued growth in commercial loans.  The
increase in the provision for loan losses can be attributed to
loan growth experienced during 2004.  The decrease in other
operating income for the quarter was primarily a result of a
decrease in gains on investment security sales as well as a
decrease in income from the sales of alternative investment
products.  The decrease in other operating income for the nine
months ended September 30, 2004, was primarily a result of a
decrease in income from mortgage banking activities.  The
decreases for both periods were partially offset by increased
fees on deposit accounts as well as increased earnings from bank-
owned life insurance.  The increase in operating expenses
primarily related to key strategic initiatives which included the
opening of a new retail office location in November 2003 and key
additions to our sales team.

The Board of Directors of Union National Financial Corporation
approved the payment of its fourth regular quarterly cash
dividend for 2004.  The cash dividend of 16 cents per share is
payable on November 20, 2004, to stockholders of record on
November 5, 2004.


<TABLE>

FINANCIAL HIGHLIGHTS            Three Months Ended
____________________            __________________

<CAPTION>
             September 30, 2004 September 30, 2003 Percent Change
             __________________ __________________ ______________
<S>                 <C>                <C>            <C>
Net Interest Income $ 3,329,000        $ 2,842,000          17.1%
Provision for
  Loan Losses            95,000             69,000          37.7%

<PAGE>

Other Operating
  Income              1,048,000          1,069,000          -2.0%
Other Operating
   Expenses           3,310,000          2,866,000          15.5%
Net Income              806,000            812,000          -0.7%
Per Share Information:
_____________________
Earnings Per Share -
   Basic                  $0.34              $0.32           6.3%
Earnings Per Share -
   Assuming Dilution       0.33               0.32           3.1%

</TABLE>

<TABLE>
                               Nine Months Ended
                               _________________


             September 30, 2004 September 30, 2003 Percent Change
             __________________ __________________ ______________
<S>                 <C>                <C>            <C>
Net Interest Income $ 9,615,000        $ 8,408,000          14.4%
Provision for
  Loan Losses           251,000            115,000         118.3%
Other Operating
  Income              3,102,000          3,143,000          -1.3%
Other Operating
   Expenses           9,613,000          8,401,000          14.4%
Net Income            2,371,000          2,471,000          -4.0%

Per Share Information:
_____________________
Earnings Per Share -
   Basic                  $0.98              $0.99          -1.0%
Earnings Per Share -
   Assuming Dilution       0.96               0.97          -1.0%

</TABLE>

<TABLE>

                          Balance Sheet as of
                          ___________________

<CAPTION>
             September 30, 2004 September 30, 2003 Percent Change
             __________________ __________________ ______________
<S>                <C>                <C>             <C>
Total Assets       $384,308,000       $337,547,000          13.9%
Total Loans         257,962,000        204,164,000          26.4%
Total Deposits      255,875,000        233,499,000           9.6%

</TABLE>

Union National Community Bank, a wholly-owned subsidiary of Union
National Financial Corporation, has been serving its communities
for over 150 years.  The bank operates seven retail offices 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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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 - October 21, 2004

                 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.)

Check the appropriate box below if the Form 8-K filing is
intended to simultaneously satisfy the filing obligation of the
registrant under any of the following provisions:

[ ] Written communications pursuant to Rule 425 under the
Securities Act (17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the
Exchange Act (17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b)
under the Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c)
under the Exchange Act (17 CFR 240.13e-4(c))
Item 2.02  Results of Operations and Financial Condition
           _____________________________________________

           On October 21, 2004, Union National Financial
           Corporation issued a press release reporting third
           quarter earnings and announcing its fourth quarter
           cash dividend.  The aforementioned is attached as an
           exhibit to this Current Report on Form 8-K.

Item 9.01  Financial Statements and Exhibits
           _________________________________

      (b)  Exhibits.

           Exhibit No.   Description
           ___________   ___________
           99.1          Earnings Release dated October 21, 2004.
SIGNATURE

     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: October 21, 2004      /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 Third Quarter
   __________________________________________________________
       Earnings and Announces Fourth Quarter Cash Dividend
       ___________________________________________________

Mount Joy, Pennsylvania, October 21, 2004.  Union National
Financial Corporation, the parent bank holding company of Union
National Community Bank, reported basic earnings per share for
the third quarter of 2004 of $0.34, as compared to basic earnings
per share of $0.32 for the same period of 2003, an increase of
6.3%.  Diluted earnings per share amounted to $0.33 for the
quarter ended September 30, 2004, as compared to $0.32 for 2003.
Consolidated earnings for the third quarter of 2004 amounted to
$806,000, as compared to $812,000 for the same period of 2003.
For the nine months ended September 30, 2004, basic earnings per
share amounted to $0.98 and diluted earnings per share amounted
to $0.96, as compared to basic earnings per share of $0.99 and
diluted earnings per share of $0.97 for the nine months ended
September 30, 2003.  Consolidated earnings for the nine months
ended September 30, 2004, were $2,371,000, as compared to
$2,471,000 for the same period of 2003.  Earnings for the third
quarter of 2004 reflected an increase as compared to earnings of
$792,000 for the second quarter of 2004.  In addition, third
quarter earnings per share compared favorably to basic earnings
per share of $0.33 for the second quarter of 2004 and diluted
earnings per share of $0.32 per share.

Union National's earnings for the third quarter and the first
nine months of 2004, as compared to the same periods of 2003,
were enhanced by an increase in net interest income.  However,
this increase in income was more than offset by an increase in
the provision for loan losses, a decrease in other operating
income and an increase in other operating expenses.  The increase
in net interest income resulted from growth in earning assets and
specifically strong continued growth in commercial loans.  The
increase in the provision for loan losses can be attributed to
loan growth experienced during 2004.  The decrease in other
operating income for the quarter was primarily a result of a
decrease in gains on investment security sales as well as a
decrease in income from the sales of alternative investment
products.  The decrease in other operating income for the nine
months ended September 30, 2004, was primarily a result of a
decrease in income from mortgage banking activities.  The
decreases for both periods were partially offset by increased
fees on deposit accounts as well as increased earnings from bank-
owned life insurance.  The increase in operating expenses
primarily related to key strategic initiatives which included the
opening of a new retail office location in November 2003 and key
additions to our sales team.

The Board of Directors of Union National Financial Corporation
approved the payment of its fourth regular quarterly cash
dividend for 2004.  The cash dividend of 16 cents per share is
payable on November 20, 2004, to stockholders of record on
November 5, 2004.

FINANCIAL HIGHLIGHTS            Three Months Ended
____________________            __________________
September 30, 2004 September 30, 2003 Percent Change
             __________________ __________________ ______________
Net Interest Income $ 3,329,000        $ 2,842,000          17.1%
Provision for
  Loan Losses            95,000             69,000          37.7%
Other Operating
  Income              1,048,000          1,069,000          -2.0%
Other Operating
   Expenses           3,310,000          2,866,000          15.5%
Net Income              806,000            812,000          -0.7%
Per Share Information:
_____________________
Earnings Per Share -
   Basic                  $0.34              $0.32           6.3%
Earnings Per Share -
   Assuming Dilution       0.33               0.32           3.1%
Nine Months Ended
                               _________________

             September 30, 2004 September 30, 2003 Percent Change
             __________________ __________________ ______________
Net Interest Income $ 9,615,000        $ 8,408,000          14.4%
Provision for
  Loan Losses           251,000            115,000         118.3%
Other Operating
  Income              3,102,000          3,143,000          -1.3%
Other Operating
   Expenses           9,613,000          8,401,000          14.4%
Net Income            2,371,000          2,471,000          -4.0%

Per Share Information:
_____________________
Earnings Per Share -
   Basic                  $0.98              $0.99          -1.0%
Earnings Per Share -
   Assuming Dilution       0.96               0.97          -1.0%
Balance Sheet as of
                          ___________________
September 30, 2004 September 30, 2003 Percent Change
             __________________ __________________ ______________
Total Assets       $384,308,000       $337,547,000          13.9%
Total Loans         257,962,000        204,164,000          26.4%
Total Deposits      255,875,000        233,499,000           9.6%
Union National Community Bank, a wholly-owned subsidiary of Union
National Financial Corporation, has been serving its communities
for over 150 years.  The bank operates seven retail offices 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.