UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 4
STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
( ) Check this box if no longer subject to Section 16.
Form 4 or Form 5 obligations may continue. See Instruction 1(b).
1. Name and Address of Reporting
Person
KRISTEN LADOW
P.O. BOX 516
UNIONVILLE, PA 19375
2. Issuer Name and Ticker or Trading Symbol
DNB FINANCIAL CORPORATION
DNBF
3. I.R.S. Identification Number of Reporting Person, if an entity (voluntary)
221-38-6572
4. Statement for Month/Year
JUNE 2002
5. If Amendment, Date of Original (Month/Year)
6. Relationship of Reporting Person(s) to Issuer (Check all applicable)
( ) Director ( ) 10% Owner (X) Officer (give title
below) ( ) Other (specify below) SVP/ Lending
7. Individual or Joint/Group Filing (Check Applicable Line)
(X) Form filed by One Reporting Person
( ) Form filed by More than One Reporting Person
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Table I- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
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6
4 5 Owner-
Security Acquired (A) or Amount of ship
Disposed of (D) Securities Form: 7
2 ------------------------------- Beneficially Direct Nature of
Transaction 3 (A) Owned at End (D) or Indirect
1 Date Transaction or of Issuer's Indirect Beneficial
Title of Security (mm/dd/yy) Code Amount (D) Price Fiscal Year (I) Ownership
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Common Stock- DNBF 100 I Spouse
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Table II -- Derivative Securities Acquired, Disposed of, or Beneficially Owned
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9 10
2 Number Owner-
Conver- of ship
sion Deriv- of
or 5 6 ative Deriv- 11
Exer- Number of Date Secur- ative Nature
cise 3 Derivative Exercisable and 7 8 ities Secur- of
Price Trans- Securities Expiration Date Title and Amount of Price Bene- ity: In-
of action Acquired (A) (Month/Day/Year) Underlying Securities of ficially Direct direct
1 Deriv- Date 4 or Disposed ---------------- ----------------------- Deriv- Owned (D) or Bene-
Title of ative (Month/ Trans- of (D) Date Expira- Amount or ative at End In- ficial
Derivative Secur- Day/ action ------------ Exer- tion Number of Secur- of direct Owner-
Security ity Year) Code (A) (D) cisable Date Title Shares ity Year (I) ship
----------- ------- --------- ------ ------------ ---------------- ------------- ------------------ ---------- --------- -------
Stock 22.55 6/30/2002 A 2,813 12/31/02 6/30/12 DNB Fin.Corp. 2,813 2,813 D
Option Common Stock
to Purchase
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Explanation of Responses:
Signature of Reporting Person
/s/ Bruce E. Moroney for Kristen LaDow
DATE
July 10, 2002