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



                                October 19, 2005
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                        (Date of earliest event reported)


                   Harleysville Savings Financial Corporation
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             (Exact name of registrant as specified in its charter)


Pennsylvania                          0-29709                        23-3028464
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(State or other jurisdiction     (Commission File Number)        (IRS Employer
of incorporation)                                            Identification No.)



271 Main Street,  Harleysville, Pennsylvania                          19438
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(Address of principal executive offices)                              (Zip Code)


                                 (215) 256-8828
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              (Registrant's telephone number, including area code)


                                 Not Applicable
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(Former name, former address and former fiscal year, if changed since last
 report)



Item 2.02   Results of Operations and Financial Condition
---------   ---------------------------------------------

      On October 19, 2005,  Harleysville Savings Financial  Corporation issued a
press release  announcing  its results of operations  for the quarter and twelve
months ended  September  30,  2005.  A copy of the press  release is included as
Exhibit 99.1 and is incorporated herein by reference.

      This information, including the press release filed as Exhibit 99.1, shall
not be deemed  to be  "filed"  for  purposes  of  Section  18 of the  Securities
Exchange Act of 1934 nor shall it be deemed to be  incorporated  by reference in
any filing under the Securities Act of 1933.



Item 9.01   Financial Statements, Pro Forma Financial Information and Exhibits
---------   ------------------------------------------------------------------

      (a)   Not applicable.

      (b)   Not applicable.

      (c)   The following exhibit is included with this Report:

      Exhibit No.                Description
      -----------                -----------

      99.1                       Press Release, dated October 19, 2005




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                                   SIGNATURES


      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 thereunto duly authorized.

                                   Harleysville Savings Financial Corporation


                                   By:  /s/ Brendan J. McGill
                                        ----------------------------------------
                                        Name:  Brendan J. McGill
                                        Title: Senior Vice President and Chief
                                               Financial Officer

                                               Date: October 19, 2005



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