Harleysville National Corporation Holds Annual Meeting

Harleysville National Corporation Holds Annual Meeting 


HARLEYSVILLE, Pa., April 21  /PRNewswire-FirstCall/ -- Two directors were
re-elected and shareholders approved the 2004 Omnibus Stock Incentive Plan at
Harleysville National Corporation's (HNC) annual meeting, held at Presidential
Caterers, Norristown, on April 13.  Re-elected to the HNC Board of Directors
were Walter R. Bateman, II, former Chairman, President and CEO, Harleysville
Group, Inc., and LeeAnn B. Bergey, President of Bergey's Leasing Associates.
Both Bateman and Bergey are Class B Directors and will serve 4-year terms.

Walter E. Daller, Jr., Chairman, President and CEO of HNC, spoke to
shareholders about the solid year HNC enjoyed in 2003, including consistent
earnings and dividends, a strong balance sheet, quality assets in the loan and
investment portfolios and a growing Investment Management and Trust Division.
"HNC has come out of this past recession and recent slow recovery in extremely
good condition," he said.

Daller also discussed HNC's acquisition of Millennium Bank and its subsidiary,
Cumberland Advisors, Inc., which will be final April 30, adding four more
banking offices and doubling the size of trust assets under management to $1.3
billion.  Harleysville's Trust Division will be renamed Millennium Wealth
Management and Private Banking Group and will be headed by David E. Sparks, as
President and CEO.  Sparks is currently President and CEO of Millennium Bank.

David R. Kotok, CEO and CIO of Cumberland Advisors, a $700 million fixed income
investment advisory firm, was a special guest speaker and provided shareholders
an overview of the economy.  Kotok, and his Cumberland Advisory subsidiary,
will join HNC at the end of this month as part of the Millennium Wealth
Management and Private Banking Group.

Gregg J. Wagner, Executive Vice President and Chief Operating Officer gave an
overview of HNC's financial performance last year.  "During 2003, our record
earnings, strong balance sheet and improved asset quality continued to build on
the strong financial foundation of HNC," he said.  HNC has 28 consecutive years
of record earnings and 29 straight years of increased dividends.

Deb Takes, President and CEO of Harleysville National Bank and Trust Company
(HNB), HNC's subsidiary bank, informed shareholders of the anticipated June
opening of the new main branch location in Harleysville.  HNC recently
completed a consolidation of their subsidiary banks, Security National Bank and
Citizens National Bank into HNB.  All banks now operate under the HNB name and
customers can enjoy the convenience of banking at 41 locations, in ten
counties, throughout eastern Pennsylvania.

Harleysville National Corporation, with assets of $2.5 billion, is the holding
company for its major subsidiary, Harleysville National Bank and Trust Company
(HNB).  Providing Real Life Financial Solutions, HNB operates 41 offices in 10
counties throughout eastern Pennsylvania.  Individuals, families and businesses
can apply for banking, trust and investment services at any HNB office, by
calling 1-888-HNB-2100 or online at http://www.harleysvillebank.com/. 
Harleysville National Corporation stock is traded under the symbol "HNBC" and
is commonly quoted under Nasdaq National Market Issues.  For more information,
visit the HNC Web site at http://www.hncbank.com/.

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. 

DATASOURCE: Harleysville National Corporation



CONTACT:  Walter E. Daller, Jr., Chairman, President and CEO,

Harleysville National Corporation, [phone]



Web site:  http://www.harleysvillebank.com/

http://www.hncbank.com/ 

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