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
JOSEPH M. STAUFFER
P.O. BOX 40
BRANDAMORE, PA 19316
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)
4. Statement for Month/Day/Year
OCTOBER 1, 2002
5. If Amendment, Date of Original (Month/Day/Year)
6. Relationship of Reporting Person(s) to Issuer (Check all applicable)
( ) Director ( ) 10% Owner (X) Officer (give title below) ( ) Other
(specify below)
SVP/Operations
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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2A
Deemed 6
2 Execu- 4 5 Owner-
Trans- tion Security Acquired (A) or Amount of ship
action action Disposed of (D) Securities Form: 7
Date Date --------------------------- Beneficially Direct Nature of
(Month/ (Month/ 3 (A) Owned Follow- (D) or Indirect
1 Day/ Day/ Transaction or Price ing Reported Indirect Beneficial
Title of Security Year) Year) Code Amount (D) Transaction(s) (I) Ownership-
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Common Stock- DNBF 10/1/02 M 2,384 A $12.36
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Common Stock- DNBF 10/1/02 M 2,133 A $14.95
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Common Stock- DNBF 10/1/02 S 2,785 D $22.03 8,212 D
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Table II -- Derivative Securities Acquired, Disposed of, or Beneficially Owned
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9 10
2 Number of Owner-
Conver- Deriv- ship
sion ative of
or 3A 5 6 7 Secur- Deriv- 11
Exer- Deemed Number of Date Title and Amount of ities ative Nature
cise 3 Execu- Derivative Exercisable and Underlying Securities 8 Bene- Secur- of
Price Trans- tion Securities Expiration Date --------------------- Price ficially ity: In-
of action action Acquired (A) (Month/Day/Year) Amount of Owned Direct direct
1 Deriv- Date Date 4 or Disposed ---------------- or Deriv- Following (D) or Bene-
Title of ative (Month/ Month/ Trans- of (D) Date Expirat- Number ative Reported In- ficial
Derivative Secur- Day/ Day/ action ------------ Exer- tion of Secur- Trans- direct Owner-
Security ity Year) Year) Code (A) (D) cisable Date Title Shares ity action(s) (I) ship
--------------- ------- --------- ------- ------ ------ ----- -------- ------- ------------- ------- ------ --------- ------ -------
Stock Option $12.36 10/1/02 M 12/31/00 6/30/10 DNB Fin.Corp. 2,384 0
Dated 6/30/00 Common Stock
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Stock Option $14.95 10/1/02 M 12/31/01 6/30/11 DNB Fin.Corp. 2,133 680
Dated 6/30/01 Common Stock
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Explanation of Responses:
Signature of Reporting Person
/s/ Bruce E. Moroney for Joseph M. Stauffer
DATE
October 1, 2002