UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 10-KSB
(Mark One)
(X) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT
OF 1934 (FEE REQUIRED)

For the fiscal year ended December 31, 2000

                                       or

( ) TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934 (NO FEE REQUIRED)

For the transition period from                       to
                               ---------------------    ------------------------
Commission   File  No. 0-13599

                           Grange National Banc Corp.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)

     Pennsylvania                                                23-2314065
-------------------------------                          ----------------------
(State or other jurisdiction of                               (IRS Employer
incorporation or organization)                           Identification Number)

198 E Tioga St., Tunkhannock, Pennsylvania                         18657
-----------------------------------------------------        -----------------
(Address of principal executive offices)                        (Zip Code)

Issuer's telephone number, including area code: (570) 836-2100 Securities
registered pursuant to Section 12(b) of the Act: None Securities registered
pursuant to Section 12(g) of the Act:

                          Common Stock, par value $5.00
                          -----------------------------
                                (Title of class)

     Check whether the issuer (1) has filed all reports required to be filed by
Section 13 or 15(d) if the Securities Exchange Act of 1934 during the preceding
12 months, and (2) has been subject to such filing requirements for the past 90
days. [X] Yes [ ] No

     Check if disclosure of delinquent filers pursuant to Item 405 of Regulation
S-B is not contained herein, and will not be contained, to the best of
registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-KSB or any amendment to
this Form 10-KSB, [ ]

     Issuer's revenues for the year ending December 31, 2000 were $13,795,000.

     The aggregate market value of the voting and non-voting common equity held
by non-affiliates of the Registrant as of March 22, 2001, computed by reference
to the average bid and ask price was $20,203,291. As of March 22, 2001, the
Registrant had 819,869 shares of Common Stock outstanding.

                       DOCUMENTS INCORPORATED BY REFERENCE


<PAGE>

     Portions of the 2000 Annual Report to Shareholders are incorporated herein
by reference in response to Part II hereof, and the definitive Proxy Statement
relating to the 2001 Annual Meeting of Shareholders is incorporated by reference
in response to Part III hereof.

     Transitional Small Business Disclosure Format: [ ] Yes [X] No

                                     PART I

Item 1:  Description of Business

General

     The Company is a Pennsylvania business corporation which is registered as a
bank holding company under the Bank Holding Company Act of 1956, as amended (the
"Holding Company Act"). The Company was incorporated on October 2, 1984 for the
purpose of acquiring the Grange National Bank (the "Bank") and thereby enabling
the Bank to operate within a bank holding company structure. The Company became
an active bank holding company on April 30, 1985 when it acquired the Bank. The
Bank is a wholly-owned subsidiary of the Company. In February of 2000, the
Company elected to become a financial holding company under the
Gramm-Leach-Bliley Act of 1999 (the "GLB Act"). The Company's election became
effective on April 2000. As a financial holding company, the Company will have
additional authority to engage in insurance and securities sales, as well as a
variety of other services.

     The Company's principal activities consist of owning and supervising the
Bank, which engages in a full service commercial and consumer banking and trust
and insurance sales. The Bank has its principal banking office in Laceyville,
Pennsylvania. It also presently has five branch offices in Wyoming County,
Pennsylvania, two branch offices in Susquehanna County, Pennsylvania, three
branch offices office in Luzerne County, Pennsylvania and one branch office in
Bradford County, Pennsylvania. The Bank has six automated teller machines
("ATM"). The Company, through the Bank, derives substantially all of its income
from the furnishing of banking and banking-related services.

     The Company is a legal entity separate and distinct from the Bank. The
rights of the Company, and thus the rights of the Company's creditors and
shareholders, to participate in the distribution of the assets or earnings of
the Bank, are necessarily subject to the prior claims of creditors of the Bank,
except to the extent that claims of the Company itself as a creditor may be
recognized. Such claims on the Bank by creditors other than the Company include
obligations in respect of federal funds purchased and certain other borrowings,
as well as deposit liabilities.

     The Company directs the policies and coordinates the financial resources of
the Bank. The Company provides and performs various technical, advisory and
auditing services for the Bank, coordinates the Bank's general policies and
activities, and participates in the Bank's major business decisions.

<PAGE>

     As of December 31, 2000, the Company, on a consolidated basis, had total
assets of $190,004,000, total deposits of $153,357,000, and total shareholder's
equity of $19,642,000.

Grange National Bank

     The Bank was incorporated under the laws of the United States of America as
a national bank in 1907 under its present name. Since that time, the Bank has
operated as a banking institution doing business at several locations in
Wyoming, Susquehanna, Bradford, and Luzerne Counties, Pennsylvania. The Bank is
a member of the Federal Reserve System.

     As of December 31, 2000, the Bank had total assets of $189,471,000, total
deposits of $153,413,000 and total shareholders' equity of $19,089,000. Its
deposits are insured by the Bank Insurance Fund ("BIF") maintained by the
Federal Deposit Insurance Corporation (the "FDIC") to the maximum extent
permitted by law.

     The Bank engages in a full service commercial and consumer banking and
trust business. The Bank, with its main office at Main and Bee Streets,
Laceyville, Pennsylvania, also provides services to its customers through its
branch network of ten full service banks, which include drive-in facilities and
bank-by-mail services. The bank's offices are located in Wyoming, Susquehanna,
Bradford and Luzerne Counties, Pennsylvania.

     The Bank's services include accepting time, demand and savings deposits,
including NOW accounts, regular savings accounts, money market accounts, fixed
rate certificates of deposit and club accounts. Its services also include making
secured and unsecured commercial and consumer loans, financing commercial
transactions either directly or through regional industrial development
corporations or the Small Business Administration, making construction and
mortgage loans and the renting of safe deposit facilities. Additional services
include making residential mortgage loans, small business loans, new car and
truck loans and student loans and providing discount brokerage services. The
Bank's business loans include seasonal credit, collateral loans, term loans and
factoring of accounts receivable. The Bank sells life, health, disability,
homeowner's and auto insurance.

     The Bank has had a Trust Department since 1992, has two trust officers and
retained the services of an attorney with estate planning experience to
administer the services provided by the department. Although the Trust
Department has begun to grow, the Bank has recognized only minimal income from
the Trust Department during 1999 and 2000. Management expects the department to
begin generating net income by 2002.

     The Bank has a relatively stable deposit base and no material amount of
deposits is obtained from a single depositor or group of depositors (including
Federal, state and local governments). The Bank has not experienced any seasonal
fluctuations in the amount of its deposits.

     No significant portion of the Bank's loans are concentrated within any one
business industry. Real estate loans however accounted for 68% of the Bank's
loan portfolio at December 31, 2000 and

                                       3

<PAGE>

69% at December 31, 1999. Management believes this concentration is not serious
in its rural agricultural location where commercial loan demand is minimal.
Recognizing the potential adverse affect these loans could place on interest
margins, the Bank has an adjustable rate mortgage which adjusts annually, as
well as continuing to offer a three year adjustable mortgage. The Bank also
continues to offer fixed rate mortgages for ten and twenty years. For the past
three years, average mortgage loan balances have approximated 36% to 42% of the
Bank's total average interest earning assets. At December 31, 2000 mortgage
loans were approximately 36% of total interest earning assets.

     The Bank has no deposits or loans directly with foreign entities, and has a
minimal amount of deposits made by persons working in foreign countries. The
Bank's assets are not invested in foreign securities, Eurodollars or foreign
loans.

Competition

     All phases of the Bank's business are highly competitive. The Bank's market
area is the primary trade area of portions of Wyoming, Bradford, Susquehanna and
Luzerne Counties, Pennsylvania with concentration in the Wyoming County area.
The Bank competes with local commercial banks as well as other commercial banks
with branches in the Bank's market area.

     The Bank, along with other commercial banks, competes with respect to its
lending activities as well as in attracting demand deposits, with savings banks,
savings and loan associations, insurance companies, regulated small loan
companies, credit unions and the issuers of commercial paper and other
securities, such as shares of money market funds. The Bank also competes with
insurance companies, investment counseling firms, mutual funds and other
business firms and individuals in the corporate trust and investment management
services. Many of the Bank's competitors have financial resources larger than
the Bank's.

     The Bank is generally competitive with all competing financial institutions
in its service areas with respect to interest rates paid on time and savings
deposits, service charges on deposit accounts and interest rates charged on
loans.

Supervision and Regulation

     Bank holding companies and banks are extensively regulated under both
federal and state law. To the extent that the following information describes
statutory provisions, it is qualified in its entirety by reference to the
particular statutory and regulatory provisions. Any change in applicable laws or
regulations may have a material effect on the business and prospects of the
Company and the Bank.

     The Company

     The Company is registered as a "bank holding company" under the Holding
Company Act, and it, therefore, is subject to regulation by the Board of
Governors of the Federal Reserve Board (the "Federal Reserve Board").

                                       4

<PAGE>

     Under the Holding Company Act, the Company is required to secure the prior
approval of the Federal Reserve Board before it can merge or consolidate with
any other bank holding company or acquire all or substantially all of the assets
of any bank that is not already majority owned by it, if after such acquisition,
it would directly or indirectly own or control more than 5% of the voting shares
of such bank.

     The Company is prohibited under the Holding Company Act from engaging in,
or acquiring direct or indirect control of more than 5% of the voting shares of
any company engaged in, non-banking activities unless the Federal Reserve Board,
by order or regulation, has found such activities to be closely related to
banking or managing or controlling banks as to be a proper incident thereto. In
making such determination, the Federal Reserve Board considers whether the
performance of these activities by a bank holding company can reasonably be
expected to produce benefits to the public which outweigh possible adverse
effects. The Federal Board has by regulation determined that certain activities
are closely related to banking within the meaning of the Holding Company Act.
These activities include, among other, operating a mortgage, finance, credit
card or factoring company; performing certain data processing operations;
providing investment and financial advice; acting as insurance agent or
underwriter for certain types of credit-related insurance; leasing personal
property on a full-payout, non-operating basis; and certain stock brokerage and
investment advisory services.

     Under the Holding Company Act, the Company is required to file periodic
reports and other information concerning its operations with, and is subject to
examination by, the Federal Reserve Board. In addition, under the Pennsylvania
Banking Code of 1965, as amended (the "Banking Code"), the Pennsylvania
Department of Banking has the authority to examine the books, records and
affairs of any Pennsylvania bank holding company or to require any documentation
deemed necessary to insure compliance with the Banking Code.

     The Company is under the jurisdiction of the Securities and Exchange
Commission and various state securities commissions for matters relating to the
offering and sale of its securities, and is subject to the Securities and
Exchange Commission's rules and regulations relating to periodic reporting,
reporting to shareholders, proxy solicitation and insider trading.

     The Company, as an affiliate of the Bank within the meaning of the Federal
Reserve Act, is subject to certain restrictions under the Federal Reserve Act
regarding extensions to it by the Bank, investments in the stock or other
securities of the Company by the Bank and the use of the stock or other
securities of the Company as collateral for loans by the Bank to any borrower.
Further, under the Federal Reserve Act and the Federal Reserve Board
regulations, a bank holding company and its subsidiaries are prohibited from
engaging in certain tie-in arrangements in connection with any extension of
credit or provision of credit or provisions of property or services. These
so-called "anti-tie-in provisions" generally provide that a bank may not extend
credit, lease or sell property, or furnish any service, or fix or vary the
consideration for any of the foregoing to a customer on the condition or
requirement that the customer provide some additional credit, property or
service to the bank, to the bank's holding company or to any other subsidiary of
the bank's holding company or on the condition or requirement that the customer
not obtain other credit, property or service from a competitor of the bank, the
bank's holding company or any subsidiary of the bank's holding company.

                                       5

<PAGE>

     The Bank

     The Bank, as a national bank, is subject to the National Bank Act. The Bank
is also subject to the supervision of, and is regularly examined by the Office
of the Comptroller of the Currency of the United States (the "OCC") and is
required to furnish quarterly reports to the OCC. The approval of the OCC is
required for the establishment of additional branch offices by any national
bank, subject to applicable state law restrictions. Under current Pennsylvania
law, banking institutions located in Pennsylvania, such as the Bank, may
establish branches within any county in the Commonwealth, subject to the prior
approval of the OCC.

     As a national bank, the Bank is a member of the FDIC and a member of the
Federal Reserve System and, therefore, is subject to additional regulation by
these agencies. Some of the aspects of the lending and deposit business of the
Bank which are regulated by these agencies include personal lending, mortgage
lending and reserve requirements. The operations of the Bank are also subject to
numerous Federal, state and local laws and regulations which set forth specific
restrictions and procedural requirements with respect to interest rates on
loans, the extension of credit, credit, credit practices, the disclosure of
credit terms and discrimination in credit transactions.

     The deposits of the Bank are insured up to regulatory limits by the FDIC
and accordingly, are subject to deposit insurance assessments to maintain the
Bank Insurance Fund (the "BIF").

     The Deposit Insurance Funds Act of 1996 (DIFA) requires banks to help pay
the cost of the bonds issued by the "Financing Corporation" (FICO), which were
used to finance the savings and loan bailout. The current annual cost to all
Bank Insurance Fund Members is 1.296 cents per $100 of deposits. Members of the
Savings Association Insurance Fund (SAIF) are required to pay 6.48 cents per
$100 of deposits. This assessment is expected to cost the Bank approximately
$35,000 in 2001.

     Dividend payments by the Bank to the Company are limited to the lesser of
(i) the amount of undivided profits; and (ii) absent regulatory approval, an
amount not in excess of net income for the current year combined with retained
net income for the preceding two years.

     Federal Deposit Insurance Corporation Improvement Act of 1991

     The Federal Deposit Insurance Corporation Improvement Act of 1991
("FDICIA") and its implementing regulations established five capital categories
for insured depository institutions - well capitalized, adequately capitalized,
undercapitalized, significantly undercapitalized and critically
undercapitalized. Pursuant to the authority granted under FDICIA, U.S. bank
regulatory agencies were empowered to impose progressively more restrictive
constraints on the operations, management and capital distributions of an
insured depository institution, depending on the category in which an
institution is classified. Unless a banking institution is well capitalized, it
is subject to restrictions on its ability to offer brokered deposits and on
certain other aspects of its operations. An undercapitalized banking institution
must develop a capital restoration plan and its parent bank holding company must
guarantee the bank's or thrift's compliance with the plan up to the lesser of 5%
of the bank's or thrift's assets at the time it became undercapitalized and the
amount needed to comply with the plan.

                                       6
<PAGE>

     As of December 31, 2000, the Bank was well capitalized, based on the prompt
corrective action guidelines. A bank's capital category is determined solely for
the purpose of applying the OCC's, or the FDIC's, prompt corrective action
regulations, and the capital category may not constitute an accurate
representation of the bank's overall financial condition or prospects.

     Interstate Banking

     The "Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994"
(the "Interstate Act"), among other things, permitted bank holding companies to
acquire banks in any state one year after enactment. Effective June 1, 1997, a
bank may merge with a bank in another state so long as both states have not
opted out of interstate branching between the date of enactment and May 31,
1997. States were permitted to enact laws opting out of interstate branching
before June 1, 1997, subject to certain conditions. States were also permitted
to enact laws permitting interstate merger transactions before June 1, 1997 and
host states were permitted to impose conditions on a branch resulting from an
interstate merger transaction that occurs before June 1, 1997, if the conditions
did not discriminate against out-of-state banks, were not preempted by Federal
law and did not apply or require performance after May 31, 1997. Pennsylvania
enacted laws opting in immediately to interstate merger and interstate branching
transactions. Interstate acquisitions and mergers would both be subject, in
general, to certain concentration limits and state entry rules relating to the
age of the bank.

     Under the Interstate Act, the responsible federal regulatory agency is
permitted to approve the acquisition of a branch of an insured bank by an
out-of-state bank of bank holding company without the acquisition of the entire
bank or the establishment of a "de novo" branch only if the law of the state in
which the branch is located permits out-of-state banks to acquire a branch of a
bank without acquiring the bank or permits out-of-state banks to establish "de
novo" branches. Pennsylvania passed such a law.

     On July 3, 1997, the President signed into law an amendment to the
Interstate Act which provides in general that branches of state-chartered banks
that operate in other states will be covered by the laws of the chartering
state, rather than the host state.

     Gramm-Leach-Bliley Act

     On November 12, 1999, legislation was enacted that allows bank holding
companies to engage in a wider range of non-banking activities, including
greater authority to engage in securities and insurance activities. Under the
Gramm-Leach-Bliley Act (the "GLB Act"), a bank holding company that elects to
become a financial holding company may engage in any activity that the Federal
Reserve Board, in consultation with the Secretary of the Treasury, determines by
regulation or order is (1) financial in nature, (2) incidental to any such
financial activity, or (3) complementary to any such financial system generally.
The GLB Act makes significant changes in the U.S. banking law, principally by
repealing the restrictive provisions of the 1933 Glass-Steagall Act. The GLB Act
specifies certain activities that are deemed to be financial in nature,
including lending, exchanging,

                                       7
<PAGE>

transferring, investing for others, or safeguarding money or securities;
underwriting, dealing in or making a market in, securities; and any activity
currently permitted for bank holding companies by the Federal Reserve Board
under section 4(c)(8) of the Bank Holding Company Act. The GLB Act does not
authorize banks or their affiliates to engage in commercial activities that are
not financial in nature. A bank holding company may elect to be treated as a
financial holding company only if all depository institution subsidiaries of the
holding company are well capitalized, well managed and have at least a
satisfactory rating under the Community Reinvestment Act. In 2000, the Company
was approved as a financial holding company under the GLB Act.

     National banks are also authorized by the GLB Act to engage through
"financial subsidiaries," in any activity that is permissible for a financial
holding company (as described above) and any activity that the Secretary of the
Treasury, in consultation with the Federal Reserve Board, determines is
financial in nature or incidental to any such financial activity, except (1)
insurance underwriting, (2) real estate development or real estate investment
activities (unless otherwise permitted by law), (3) insurance company portfolio
investments and (4) merchant banking. The authority of a national bank to invest
in a financial subsidiary is subject to a number of conditions, including, among
other things requirements that the bank must be well managed and well
capitalized (after deducting from the bank's capital outstanding investments in
financial subsidiaries). The GLB Act provides that state banks may invest in
financial subsidiaries (assuming they have the requisite investment authority
under applicable state law) subject to the same conditions that apply to
national bank investments in financial subsidiaries.

     The GLB Act also contains a number of other provisions that will affect the
Company's and Bank's operations and the operations of all financial
institutions. One of the new provisions relates to the financial privacy of
consumers, authorizing federal banking regulators to adopt rules that will limit
the ability of banks and other financial entities to disclose non-public
information about consumers to non-affiliated entities. These limitations are
expected to require more disclosure to consumers, and in some circumstances, to
require consent by the consumer before information is allowed to be provided to
a third party.

National Monetary Policy

     In addition to being affected by general economic conditions, the earnings
and growth of the Bank and, therefore, the earnings and growth of the Company,
are affected by the policies of regulatory authorities, including the OCC, the
Federal Reserve Board and the FDIC. An important function of the Federal Reserve
Board is to regulate the money supply, credit conditions and interest rates.
Among the instruments used to implement these objectives are open market in
United States Government securities, setting the discount rate and changes in
reserve requirements against bank deposits. These instruments are used in
varying combinations to influence overall growth and distribution of credit,
bank loans, investments and deposits, and their use may also affect interest
rates charged on loans or paid on deposits.

     The monetary policies and regulations of the Federal Reserve Board have had
a significant effect on operating results of commercial banks in the past and
are expected to continue to do so in the future. The effects of such policies
upon the future business, earnings and growth of the Company and the Bank cannot
be predicted.

                                       8
<PAGE>

Employees

     As of December 31, 2000, the Company had a total of 89 full and part-time
employees. The Company provides a variety of employment benefits and considers
its relationship with its employees to be good.

Item 2:  Description of Property

     The Company's main executive offices and financial operations center, which
also serve as a branch bank, are located at 198 E. Tioga Street, Tunkhannock,
Pennsylvania, which the Company owns. The Bank's main banking office is located
at Main and Bee Streets in the borough of Laceyville, Wyoming County,
Pennsylvania, which building is owned by the Company. In addition, the Company
owns five additional properties in Pennsylvania where its other branches are
located.

     X    Route 267, Lawton
     X    The corner of U.S. Route 6 and Bridge Street, in Meshoppen Borough
     X    The intersection of U.S. Routes 309 and 29 in Monroe Township
     X    198 E. Tioga St., Tunkhannock
     X    Main Street in Little Meadows
     X    400 Main Street, Towanda

     The  Bank has an operating leases for offices at:
     X    78 South Wyoming Avenue, Edwardsville
     X    The Back Mountain at Trucksville
     X    The Pine Mall in Wilkes-Barre
     X    Mr. Z's supermarket in Eaton Township, Tunkhannock

     The Company owns a property along U.S. Route 309 in Dallas Township which
it originally purchased for a branch office. The Company has this parcel on the
market for sale, as the Trucksville site is near this parcel and is a superior
location for a branch office. The Company also purchased property in Laceyville,
near the Bank's main office, to be used for additional operations of the Bank,
and to rent to tenants.

Item 3:  Legal Proceedings

     The nature of the Company's business generates a certain amount of
litigation involving matters arising in the ordinary course of business.
However, in the opinion of the management of the Company, there are no
proceedings pending to which the Company is a party or to which its property is
subject, which, if determined adversely to the Company, would be material in
relation to the Company's shareholders' equity or financial condition.

Item 4:  Submission of Matters to a Vote of Security Holders

     None

                                       9
<PAGE>

                                     PART II

Item 5:  Market for the Registrant's Common Stock and Related Stockholder
         Matters

     Incorporated by reference from the section entitled "Common Stock Market
Price, Book Value and Dividends" in the Company's Annual Report to Shareholders
for the year ended December 31, 2000.

Item 6:  Management's Discussion and Analysis of Financial Condition and Results
         of Operations

     Incorporated by reference from the sections entitled "Management's
Discussion and Analysis of Financial Condition and Results of Operations" in the
Company's Annual Report to Shareholders for the year ended December 31, 2000.

Item 7:  Financial Statements

     Incorporated by reference from the Company's Consolidated Financial
Statements and Notes to Consolidated Financial Statements thereto included in
the Company's Annual Report to Shareholders for the year ended December 31,
2000.

Item 8:  Changes in and Disagreements with Accountants on Accounting and
         Financial Disclosure

     None

                                       10
<PAGE>

                                    PART III

Item 9:  Directors and Executive Officers of the Registrant; Compliance With
         Section 16(a) of the Exchange Act

     Incorporated by reference from the Company's Proxy Statement relating to
the 2001 Annual Meeting of Shareholders filed pursuant to General Instruction
E(3) to Form 10-KSB.

Item 10:  Executive Compensation

     Incorporated by reference from the Company's Proxy Statement relating to
the 2001 Annual Meeting of Shareholders filed pursuant to General Instruction
E(3) to Form 10-KSB.

Item 12:  Security Ownership of Certain Beneficial Owners and Management

     Incorporated by reference from the Company's Proxy Statement relating to
the 2001 Annual Meeting of Shareholders filed pursuant to General Instruction
E(3) to Form 10-KSB.

Item 13:  Certain Relationships and Related Transactions

     Incorporated by reference from the Company's Proxy Statement relating to
the 2001 Annual Meeting of Shareholders filed pursuant to General Instruction
E(3) to Form 10-KSB.

                                       11
<PAGE>

                                     PART IV

Item  13:  Exhibits, Financial Statement Schedules and Reports on Form 8-K

     (a)  Documents filed as part of this report:

               (1) Financial Statements. The following consolidated financial
          statements and the notes thereto of the Company, which are included in
          the Company's Annual Report to Shareholders for the year ended
          December 31, 2000, and the report of independent public accountants
          which is also included in such Annual Report, are incorporated herein
          by reference in to Item 8 of this Report:

               Consolidated Balance Sheets - December 31, 2000 and 1999

               Consolidated Statements of Income - Years ended December 31,
                    2000, 1999 and 1998

               Consolidated Statements of Cash Flows - Years ended December 31,
                    2000, 1999 and 1998

               Consolidated Statements of Shareholders' Equity - Years ended
                    December 31, 2000, 1999 and 1998

               Notes to Consolidated Financial Statements

               Report of Independent Certified Public Accountants

               (2) Financial Statement Schedules. Financial statement schedules
          are omitted because they are not applicable or the required
          information is shown in the financial statements or notes thereto.

                                    Exhibits
                                    --------

            Number                           Title
            ------                           -----

               3.1  Amended and Restated Articles of Incorporation of Grange
                    National Banc Corp. (Incorporated by reference from Exhibit
                    3.1 to Grange National Banc Corp.'s Registration Statement
                    on Form SB-2 (Registration No. 33-76838) filed with the
                    Commission on March 24, 1994).

               3.2  Bylaws of the Company, as amended (Incorporated by reference
                    from Exhibit 3.2 to Grange National Banc Corp.'s
                    Registration Statement on Form SB-2 (Registration No.
                    33-76838) filed with the Commission on March 24, 1994).

                                       12
<PAGE>

               4.1  Grange National Banc Corp. Specimen Stock Certificate
                    (Incorporated by reference from Exhibit 4.1 to Grange
                    National Banc Corp.'s Registration Statement on Form SB-2
                    (Registration No. 33-76838) filed with the Commission on
                    March 24, 1994).

              *10.1 Employee Stock Option Plan (Filed as Exhibit 10.1 to Grange
                    National Banc Corp.'s Registration Statement on Form SB-2
                    (Registration No. 33-76838) filed with the Commission on
                    March 24, 1994).

              *10.2 Non-employee Director Stock Option Plan (Filed as Exhibit
                    10.2 to Grange National Banc Corp.'s Registration Statement
                    on Form SB-2 (Registration No. 33-76838) filed with the
                    Commission on March 24, 1994).

              *10.3 Employment Contract with Thomas A. McCullough dated March
                    25, 1998, filed with the Commission on March 31, 1999

              *10.4 Incentive Stock Option Plan (Filed with the 1996 Proxy
                    Statement on April 1, 1996).

               13.1 Annual Report to Shareholders for the year ended December
                    31, 2000 (such report, except for those portions expressly
                    incorporated by reference in this Annual Report on Form
                    10-K, is furnished for the information of the Commission and
                    is not to be deemed filed as part of this Report).

               21.1 Subsidiaries of the Company (incorporated by reference from
                    exhibit 21.1 to Grange National Banc Corp.'s Registration
                    Statement on Form SB-2 (Registration Statement No. 33-76838)
                    filed with the Commission on March 24, 1994).

               *    Management contract or compensatory plan or arrangement

     (b) Reports on Form 8-K.

     No reports on Form 8-K were filed during the fourth quarter of the year
ended December 31, 2000.

                                       13
<PAGE>

                       DOCUMENTS INCORPORATED BY REFERENCE

                 (Specific sections incorporated are identified
                         under applicable items herein)

     Certain portions of the Company's Annual Report to Shareholders for the
year ended December 31, 2000 are incorporated by reference in Parts II and IV of
this Report.

     With the exception of the information incorporated by reference in Parts II
and IV of this Report, the Company's Annual Report to Shareholders for the year
ended December 31, 2000 in not deemed "filed" with the Securities and Exchange
Commission for any purpose.

     Certain portions of the Company's 2001 Proxy Statement filed in connection
with its Annual Meeting of Shareholders are incorporated by reference in Part II
of this Report.

     Other documents incorporated by reference are listed in the Exhibit Index.

                                       14
<PAGE>

     Pursuant to the requirements of Section 13 or 15(d) 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.

                                      GRANGE NATIONAL BANC CORP.
                                             (Registrant)


Date   March 30, 2001                       /s/ Jack W. Purtell
     -----------------                      -----------------------
                                            Jack W. Purtell
                                            (Chairman of the Board)


     Pursuant to the requirements of the Securities Exchange Act of 1934, this
report has been signed below by the following persons on behalf of the
registrant and in the capacities and on the dates indicated.

/s/ Jack W. Purtell      3/30/2001           /s/ Brian R. Ace       3/30/2001
--------------------------------------       --------------------------------
Jack W. Purtell (Date)                       Brian R. Ace              (Date)
Chairman of the Board                        Vice-Chairman and Director
Director

/s/ Sally A. Steele           3/30/2001      /s/ Edward A. Coach    3/30/2001
---------------------------------------      --------------------------------
Sally A. Steele                 (Date)       Edward A. Coach           (Date)
Secretary and Director                       Director

/s/ W. Kenneth Price    3/30/2001            /s/ Russell G. Newell  3/30/2000
----------------------------------           --------------------------------
W. Kenneth Price            (Date)           Russell G. Newell         (Date)
Director                                     Director

/s/Robert C. Wheeler  3/30/2001
----------------------------------
Robert C. Wheeler
Director

/s/ Thomas A. McCullough  3/30/2001          /s/ Philip O. Farr      3/30/2001
-----------------------------------          ---------------------------------
Thomas A. McCullough         (Date)          Philip O. Farr             (Date)
President and Director                       Vice President and Comptroller
Chief Executive Officer                      Chief Financial Officer
                                             Chief Accounting Officer


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