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 30, 2007

                 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)

             570 Lausch Lane
         Lancaster, Pennsylvania                      17601
---------------------------------------          --------------
(Address of principal executive offices)           (Zip Code)



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


----------------------------------------------------------------
  (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 30, 2007, Union National Financial
           Corporation issued a press release reporting third
           quarter earnings and announcing a 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 30,
                         2007.



<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 30, 2007      /s/Mark D. Gainer
                             ----------------------------------

                             Mark D. Gainer,
                             Chairman, President and Chief
                             Executive Officer

<PAGE>

                      EXHIBIT INDEX

                                        Page Number in
Exhibit                                 Manually Signed Original
_______                                 ________________________

99.1       Press Release                5

<PAGE>
                      EXHIBIT 99.1

                      PRESS RELEASE

    Union National Financial Corporation Reports Third Quarter
________________________________________________________________
  2007 Earnings and Announces Fourth Quarter 2007 Cash Dividend
 _______________________________________________________________

Lancaster, Pennsylvania - October 30, 2007 - Union National
Financial Corporation ("Union National"), the parent bank
holding company of Union National Community Bank, today reported
financial results for the third quarter and the first nine
months of 2007.  Third quarter 2007 net income was $393,000,
compared to net income for the third quarter of 2006 of
$640,000, a decrease of 39%.  Third quarter 2007 basic and
diluted earnings per share was $0.15 compared to basic and
diluted earnings per share of $0.25 for the third quarter of
2006.  For the nine months ended September 30, 2007, Union
National reported net income of $374,000, compared to net income
of $1,882,000 reported for the nine months ended September 30,
2006.  Basic and diluted earnings per share for the nine months
ended September 30, 2007 was $0.15, compared to basic and
diluted earnings per share of $0.75 and $0.74, respectively, for
the nine months ended September 30, 2006.  For the nine months
ended September 30, 2007, Union National's taxable-equivalent
net interest margin was 3.62%, an increase compared to
taxable-equivalent net interest margin of 3.51% for the nine
months ended September 30, 2006.

Despite a positive increase in net interest margin, net income
for 2007 year-to-date and the third quarter declined from net
income recognized for the same periods in 2006.  Results for
2007 reflect certain increased operating expenses related to
several actions undertaken by Union National to improve
efficiency and profitability, and to emphasize its core banking
operation.  In addition, 2007 earnings reflect certain
non-interest income reductions and increased operating expenses
resulting from the considerable slowdown in the residential
mortgage industry, which negatively impacted Union National's
subsidiary, Home Team Financial, LLC ("Home Team").  Home Team
generates a majority of its income through brokerage of
residential mortgage loans.  Other income from mortgage banking
and brokerage activities decreased by $371,000 for the nine
months ended September 30, 2007 as compared to the nine months
ended September 30, 2006, with $262,000 of this reduction being
realized in the third quarter of 2007.  Even with significant
operating expense reductions implemented at Home Team during the
third quarter of 2007, the reduction in brokered residential
mortgage loan volume has continued, resulting in Union
National's decision to cease operations at Home Team after
October 2007.  As a result of this decision, Union National
recorded other expenses in the third quarter of 2007 of $326,000
related to the impairment of previously recorded goodwill and
minority interest assets associated with Union National's
ownership of Home Team.

Previously disclosed actions undertaken by Union National that
continue to negatively affect profitability through the third
quarter of 2007 include the following (amounts reflect pre-tax):

*   Restructuring charges of $716,000 consisting of severance
    and related benefits resulting from staff reductions that
    were completed during March and April to adjust the size and
    makeup of staff to be more efficient and competitive;

*   An increase in professional fees expense of $617,000 for the
    nine months ended September 30, 2007, and $97,000 for the
    three months ended September 30, 2007, as compared to the
    same periods of 2006, primarily incurred in connection with
    regulatory matters, legal services regarding employee
    severance, and the previously announced engagement of the
    consulting firm of S.R. Snodgrass, A.C. to undertake a
    profit enhancement project;

*   A loss of $450,000 recognized during the second quarter for
    an other-than-temporary impairment in the value of an
    available-for-sale investment debt security;

*   Net losses on the sale of approximately $67 million of
    investment securities, and prepayment penalties on debt,
    amounting to $519,000 and $31,000, respectively, during the
    first quarter, in conjunction with the previously announced
    deleveraging strategy;

<PAGE>

*   A charge of $259,000 for a commitment on a parcel of real
    estate which was to be used for a future retail branch site.
    Management has decided not to pursue the expansion at this
    time.

On behalf of the Board of Directors, Chairman, Chief Executive
Officer, and President Mark Gainer said, "Our efforts to
emphasize our strong core banking operation continue, and I am
confident that the various expenses incurred in 2007 related to
our restructuring and profitability enhancement have positioned
Union National well for improved performance. As many of you are
aware, these are very challenging times for the mortgage
industry.  Housing has slowed down considerably and margins have
narrowed dramatically on mortgages.  Our decision to cease
operations at Home Team was made as we determined that, even
with significant expense reductions, there was not enough
residential mortgage loan volume to meet our expectations.  We
have enjoyed a great working relationship with Home Team, but
market conditions beyond our control have forced us to make this
difficult decision.  We have implemented a new plan to handle
residential mortgages at Union National Community Bank after
October 2007 to ensure that our customers continue to have full
access to quality mortgage products."

The Board of Directors of Union National Financial Corporation
approved the payment of its fourth regular quarterly cash
dividend for 2007.  The cash dividend of six cents per share is
payable on November 25, 2007, to stockholders of record on
November 5, 2007.

<TABLE>

Financial Highlights

______________________
(Dollars in thousands, except per share data)
<CAPTION>
                                 Three Months Ended
                            September 30,  September 30, Percent
                                2007          2006       Change
                            _____________ _____________ ________
<S>                              <C>           <C>         <C>
Net Interest Income             $3,887        $3,662       6.1%
Provision for Loan and
  Lease Losses                     230           104     121.2%
Other Operating Income           1,748         1,938      -9.8%
Net Investment Securities Gains      0            24        -
Other Operating Expenses         4,895         4,834       1.3%
Net Income                         393           640     -38.6%
Per Share Information:
Earnings Per Share - Basic       $0.15         $0.25     -40.0%
Earnings Per Share -
  Assuming Dilution               0.15          0.25     -40.0%
Dividends Per Share               0.06          0.16     -62.5%
Performance Ratios:
Net Interest Margin %
  (Taxable-Equivalent)            3.34%         3.35%     -0.3%
Return on Average Stockholders'
  Equity                          1.83%         9.22%    -80.2%
Return on Average Realized
  Stockholders' Equity(1)         1.81%         8.69%    -79.2%

<CAPTION>
                                 Nine Months Ended
                            September 30,  September 30, Percent
                                2007          2006       Change
                            _____________ _____________ ________
<S>                               <C>          <C>         <C>
Net Interest Income            $11,697       $10,952      6.8%
Provision for Loan and
  Lease Losses                     707           441     60.3%
Other Operating Income           5,448         5,887     -7.5%
Net Investment Securities Gains     78            65     20.0%
Other Operating Expenses        16,409        14,497     13.2%
Net Income                         374         1,882    -80.1%

<PAGE>
<CAPTION>
                                 Nine Months Ended
                            September 30,  September 30, Percent
                                2007          2006       Change
                            _____________ _____________ ________
<S>                            <C>           <C>           <C>
Per Share Information:
Earnings Per Share - Basic       $0.15        $ 0.75    -80.0%
Earnings Per Share -
  Assuming Dilution               0.15          0.74    -79.7%
Dividends Per Share               0.22          0.48    -54.2%
Performance Ratios:
Net Interest Margin %
  (Taxable-Equivalent)            3.62%         3.51%     3.1%
Return on Average
  Stockholders' Equity            1.75%         9.19%   -81.0%
Return on Average Realized
  Stockholders' Equity (1)        1.73%         8.85%   -80.4%

<CAPTION>
                              Balance Sheet as of
                            September 30,  September 30, Percent
                                2007          2006       Change
                           _____________ _____________ ________
<S>                         <C>           <C>         <C>
Total Loans and Leases        $362,967      $329,138      10.3%
Allowance for Loan and
  Lease Losses                  (3,651)       (2,914)     25.3%
Total Assets                   492,684       511,375      -3.7%
Total Deposits                 367,235       331,839      10.7%
Total Stockholders' Equity      28,690        29,064      -1.3%
Per Share Information:
Book Value Per Share            $11.28        $11.54      -2.3%
Balance Sheet Ratios:
Total Stockholders' Equity as
  a % of Assets                   5.82%         5.68%      2.5%
Nonperforming Loans as a % of
  Total Loans                     0.89%         0.71%     25.4%

(1) Excludes the impact of accumulated other comprehensive
income (loss) on total stockholders' equity.

</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 ten retail
offices in Lancaster County.

For Further Information, Please Contact:
Mark D. Gainer, Chairman/President/CEO
Union National Financial Corporation
570 Lausch Lane
Lancaster, PA 17601
(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.
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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": "071199560"}, "business-address": {"street1": "101 E MAIN ST", "street2": "P O BOX 567", "city": "MOUNT JOY", "state": "PA", "zip": "17552", "phone": "7174922222"}, "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 - October 30, 2007

                 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)

             570 Lausch Lane
         Lancaster, Pennsylvania                      17601
---------------------------------------          --------------
(Address of principal executive offices)           (Zip Code)

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

----------------------------------------------------------------
  (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 30, 2007, Union National Financial
           Corporation issued a press release reporting third
           quarter earnings and announcing a 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 30,
                         2007.
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 30, 2007      /s/Mark D. Gainer
                             ----------------------------------

                             Mark D. Gainer,
                             Chairman, President and Chief
                             Executive Officer
EXHIBIT INDEX

                                        Page Number in
Exhibit                                 Manually Signed Original
_______                                 ________________________

99.1       Press Release                5
EXHIBIT 99.1

                      PRESS RELEASE

    Union National Financial Corporation Reports Third Quarter
________________________________________________________________
  2007 Earnings and Announces Fourth Quarter 2007 Cash Dividend
 _______________________________________________________________

Lancaster, Pennsylvania - October 30, 2007 - Union National
Financial Corporation ("Union National"), the parent bank
holding company of Union National Community Bank, today reported
financial results for the third quarter and the first nine
months of 2007.  Third quarter 2007 net income was $393,000,
compared to net income for the third quarter of 2006 of
$640,000, a decrease of 39%.  Third quarter 2007 basic and
diluted earnings per share was $0.15 compared to basic and
diluted earnings per share of $0.25 for the third quarter of
2006.  For the nine months ended September 30, 2007, Union
National reported net income of $374,000, compared to net income
of $1,882,000 reported for the nine months ended September 30,
2006.  Basic and diluted earnings per share for the nine months
ended September 30, 2007 was $0.15, compared to basic and
diluted earnings per share of $0.75 and $0.74, respectively, for
the nine months ended September 30, 2006.  For the nine months
ended September 30, 2007, Union National's taxable-equivalent
net interest margin was 3.62%, an increase compared to
taxable-equivalent net interest margin of 3.51% for the nine
months ended September 30, 2006.

Despite a positive increase in net interest margin, net income
for 2007 year-to-date and the third quarter declined from net
income recognized for the same periods in 2006.  Results for
2007 reflect certain increased operating expenses related to
several actions undertaken by Union National to improve
efficiency and profitability, and to emphasize its core banking
operation.  In addition, 2007 earnings reflect certain
non-interest income reductions and increased operating expenses
resulting from the considerable slowdown in the residential
mortgage industry, which negatively impacted Union National's
subsidiary, Home Team Financial, LLC ("Home Team").  Home Team
generates a majority of its income through brokerage of
residential mortgage loans.  Other income from mortgage banking
and brokerage activities decreased by $371,000 for the nine
months ended September 30, 2007 as compared to the nine months
ended September 30, 2006, with $262,000 of this reduction being
realized in the third quarter of 2007.  Even with significant
operating expense reductions implemented at Home Team during the
third quarter of 2007, the reduction in brokered residential
mortgage loan volume has continued, resulting in Union
National's decision to cease operations at Home Team after
October 2007.  As a result of this decision, Union National
recorded other expenses in the third quarter of 2007 of $326,000
related to the impairment of previously recorded goodwill and
minority interest assets associated with Union National's
ownership of Home Team.

Previously disclosed actions undertaken by Union National that
continue to negatively affect profitability through the third
quarter of 2007 include the following (amounts reflect pre-tax):

*   Restructuring charges of $716,000 consisting of severance
    and related benefits resulting from staff reductions that
    were completed during March and April to adjust the size and
    makeup of staff to be more efficient and competitive;

*   An increase in professional fees expense of $617,000 for the
    nine months ended September 30, 2007, and $97,000 for the
    three months ended September 30, 2007, as compared to the
    same periods of 2006, primarily incurred in connection with
    regulatory matters, legal services regarding employee
    severance, and the previously announced engagement of the
    consulting firm of S.R. Snodgrass, A.C. to undertake a
    profit enhancement project;

*   A loss of $450,000 recognized during the second quarter for
    an other-than-temporary impairment in the value of an
    available-for-sale investment debt security;

*   Net losses on the sale of approximately $67 million of
    investment securities, and prepayment penalties on debt,
    amounting to $519,000 and $31,000, respectively, during the
    first quarter, in conjunction with the previously announced
    deleveraging strategy;
*   A charge of $259,000 for a commitment on a parcel of real
    estate which was to be used for a future retail branch site.
    Management has decided not to pursue the expansion at this
    time.

On behalf of the Board of Directors, Chairman, Chief Executive
Officer, and President Mark Gainer said, "Our efforts to
emphasize our strong core banking operation continue, and I am
confident that the various expenses incurred in 2007 related to
our restructuring and profitability enhancement have positioned
Union National well for improved performance. As many of you are
aware, these are very challenging times for the mortgage
industry.  Housing has slowed down considerably and margins have
narrowed dramatically on mortgages.  Our decision to cease
operations at Home Team was made as we determined that, even
with significant expense reductions, there was not enough
residential mortgage loan volume to meet our expectations.  We
have enjoyed a great working relationship with Home Team, but
market conditions beyond our control have forced us to make this
difficult decision.  We have implemented a new plan to handle
residential mortgages at Union National Community Bank after
October 2007 to ensure that our customers continue to have full
access to quality mortgage products."

The Board of Directors of Union National Financial Corporation
approved the payment of its fourth regular quarterly cash
dividend for 2007.  The cash dividend of six cents per share is
payable on November 25, 2007, to stockholders of record on
November 5, 2007.

Financial Highlights

______________________
(Dollars in thousands, except per share data)
Three Months Ended
                            September 30,  September 30, Percent
                                2007          2006       Change
                            _____________ _____________ ________
Net Interest Income             $3,887        $3,662       6.1%
Provision for Loan and
  Lease Losses                     230           104     121.2%
Other Operating Income           1,748         1,938      -9.8%
Net Investment Securities Gains      0            24        -
Other Operating Expenses         4,895         4,834       1.3%
Net Income                         393           640     -38.6%
Per Share Information:
Earnings Per Share - Basic       $0.15         $0.25     -40.0%
Earnings Per Share -
  Assuming Dilution               0.15          0.25     -40.0%
Dividends Per Share               0.06          0.16     -62.5%
Performance Ratios:
Net Interest Margin %
  (Taxable-Equivalent)            3.34%         3.35%     -0.3%
Return on Average Stockholders'
  Equity                          1.83%         9.22%    -80.2%
Return on Average Realized
  Stockholders' Equity(1)         1.81%         8.69%    -79.2%
Nine Months Ended
                            September 30,  September 30, Percent
                                2007          2006       Change
                            _____________ _____________ ________
Net Interest Income            $11,697       $10,952      6.8%
Provision for Loan and
  Lease Losses                     707           441     60.3%
Other Operating Income           5,448         5,887     -7.5%
Net Investment Securities Gains     78            65     20.0%
Other Operating Expenses        16,409        14,497     13.2%
Net Income                         374         1,882    -80.1%
Nine Months Ended
                            September 30,  September 30, Percent
                                2007          2006       Change
                            _____________ _____________ ________
Per Share Information:
Earnings Per Share - Basic       $0.15        $ 0.75    -80.0%
Earnings Per Share -
  Assuming Dilution               0.15          0.74    -79.7%
Dividends Per Share               0.22          0.48    -54.2%
Performance Ratios:
Net Interest Margin %
  (Taxable-Equivalent)            3.62%         3.51%     3.1%
Return on Average
  Stockholders' Equity            1.75%         9.19%   -81.0%
Return on Average Realized
  Stockholders' Equity (1)        1.73%         8.85%   -80.4%
Balance Sheet as of
                            September 30,  September 30, Percent
                                2007          2006       Change
                           _____________ _____________ ________
Total Loans and Leases        $362,967      $329,138      10.3%
Allowance for Loan and
  Lease Losses                  (3,651)       (2,914)     25.3%
Total Assets                   492,684       511,375      -3.7%
Total Deposits                 367,235       331,839      10.7%
Total Stockholders' Equity      28,690        29,064      -1.3%
Per Share Information:
Book Value Per Share            $11.28        $11.54      -2.3%
Balance Sheet Ratios:
Total Stockholders' Equity as
  a % of Assets                   5.82%         5.68%      2.5%
Nonperforming Loans as a % of
  Total Loans                     0.89%         0.71%     25.4%

(1) Excludes the impact of accumulated other comprehensive
income (loss) on total stockholders' equity.
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 ten retail
offices in Lancaster County.

For Further Information, Please Contact:
Mark D. Gainer, Chairman/President/CEO
Union National Financial Corporation
570 Lausch Lane
Lancaster, PA 17601
(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.