Pennsylvania		25-1450605
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification No.)

				Sequential Page Number
ITEM 1.—Financial Statements
		Consolidated Balance Sheets—September 30, 2002 and December 31, 2001		PAGE 3.
		Consolidated Statements of Income—Quarter ending September 30, 2002 and 2001		PAGE 4.
		Consolidated Statements of Income—Nine months ending September 30, 2002 and 2001		PAGE 5.
		Consolidated Statements of Comprehensive Income for the quarter and nine months ending September 30, 2002 and 2001		PAGE 6.
		Consolidated Statements of Cash Flows—Nine months ending September 30, 2002 and 2001		PAGE 7.
		Notes to Consolidated Financial Statements		PAGE 8.
ITEM 2—Management’s Discussion and Analysis
		Management’s Discussion and Analysis of Financial Condition and Results of Operations		PAGE 13.
ITEM 3—Quantitative and Qualitative Disclosures
		Quantitative and Qualitative Disclosures About Market Risk		PAGE 18.
ITEM 4—Controls and Procedures
		Controls and Procedures		PAGE 18.
PART II.		OTHER INFORMATION
ITEM 1		Legal Proceedings		PAGE 19
ITEM 2		Changes in Securities and Use of Proceeds		PAGE 19
ITEM 3		Defaults Upon Senior Securities		PAGE 19
ITEM 4		Submission of Matters for Security Holders Vote		PAGE 19
ITEM 5		Other Information		PAGE 19
ITEM 6		Exhibits and Reports on Form 8-K		PAGE 19
Signatures				PAGE 19

CNB FINANCIAL CORPORATION Consolidated Balance Sheets (unaudited) (Dollars in thousands)
		September 30, 2002				Dec. 31, 2001
ASSETS
Cash and due from banks		$	18,464			$	17,350
Interest bearing deposits with other banks			11,512				2,041
Total cash and cash equivalents			29,976				19,391
Securities available for sale			188,721				152,757
Loans held for sale			4,463				5,334
Loans and leases			408,452				388,455
Less: unearned discount			1,417				2,282
Less: allowance for loan losses			4,682				4,095
NET LOANS			402,353				382,078
FHLB and Federal Reserve Stock			4,111				1,932
Premises and equipment			11,947				12,485
Accrued interest receivable and other assets			6,897				6,420
Intangibles			1,340				1,576
Goodwill			10,821				10,821
TOTAL ASSETS		$	659,289			$	591,218
LIABILITIES
Deposits:
Non-interest bearing deposits		$	61,253			$	60,241
Interest bearing deposits			478,638				446,399
TOTAL DEPOSITS			539,891				506,640
Other borrowings			52,000				23,268
Accrued interest and other liabilities			7,895				7,992
TOTAL LIABILITIES			599,786				537,900
SHAREHOLDERS’ EQUITY
Common stock $1.00 par value Authorized 10,000,000 shares Issued 3,693,500 shares			3,694				3,694
Additional paid in capital			3,683				3,753
Retained earnings			51,247				47,731
Treasury stock, at cost			(1,094	)			(1,236	)
(52,786 shares for September 2002, and 53,568 for December 2001) Accumulated other comprehensive income			3,283				952
TOTAL SHAREHOLDERS’ EQUITY			60,813				54,894
TOTAL LIABILITIES & SHAREHOLDERS’ EQUITY		$	660,599			$	592,794

		Three Months Ended September 30,
		2002				2001
INTEREST INCOME
Loans including fees		$	7,601			$	7,797
Deposits with other banks			19				36
Federal funds sold			82				108
Securities:
Taxable			1,681				1,769
Tax-exempt			562				366
Dividends			106				144
TOTAL INTEREST AND DIVIDEND INCOME			10,051				10,220
INTEREST EXPENSE
Deposits			3,033				4,477
Borrowed funds			666				298
TOTAL INTEREST EXPENSE			3,699				4,775
Net interest and dividend income			6,352				5,445
Provision for loan losses			540				270
NET INTEREST INCOME AFTER PROVISION			5,812				5,175
OTHER INCOME
Trust & asset management fees			225				258
Service charges on deposit accounts			894				753
Other service charges and fees			114				120
Securities gains(losses)			(13	)			258
Gains (losses) on sale of loans			21				19
Other income			283				268
TOTAL OTHER INCOME			1,524				1,676
OTHER EXPENSES
Salaries			1,709				1,529
Employee benefits			527				500
Net occupancy expense			619				590
Amortization of intangible			79				79
Amortization of goodwill			—				360
Other			1,430				1,431
TOTAL OTHER EXPENSES			4,364				4,489
Income before income taxes			2,972				2,362
Applicable income taxes			684				627
NET INCOME		$	2,288			$	1,735
Earnings Per Share, Based on Weighted Average Shares Outstanding
Net income, basic		$	0.63			$	0.47
Net income, diluted		$	0.63			$	0.47
Cash dividends per share		$	0.26			$	0.23

		Nine Months Ended September 30
		2002				2001
INTEREST AND DIVIDEND INCOME
Loans including fees		$	22,526			$	23,643
Deposits with other banks			66				132
Federal funds sold			221				355
Securities:
Taxable			4,976				5,081
Tax-exempt			1,583				1,219
Dividends			341				433
TOTAL INTEREST AND DIVIDEND INCOME			29,713				30,863
INTEREST EXPENSE
Deposits			9,983				14,017
Borrowed funds			1,639				883
TOTAL INTEREST EXPENSE			11,622				14,900
Net interest income			18,091				15,963
Provision for loan losses			1,260				810
NET INTEREST INCOME AFTER PROVISION			16,831				15,153
OTHER INCOME
Trust & asset management fees			685				753
Service charges on deposit accounts			2,526				2,038
Other service charges and fees			380				422
Securities gains(losses)			(1	)			244
Gains on sale of loans			108				23
Other			821				572
TOTAL OTHER INCOME