|   UNITED STATES                                                                                                                                                                                                                                                                                                                                                                                 |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| SECURITIES AND EXCHANGE COMMISSION                                                                                                                                                                                                                                                                                                                                                                        |
| Washington, D.C. 20549                                                                                                                                                                                                                                                                                                                                                                                    |
|                                                                                                                                                                                                                                                                                                                                                                                                      |
|                                                                 FORM 10-K |

| [ X ]   ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGEACT OF 1934 |
|------------------------------------------------------------------------------------------------------------|

| [    ]   TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGEACT OF 1934 |
|-------------------------------------------------------------------------------------------------------------------------------------|

| COMMERCIAL NATIONAL FINANCIAL CORPORATION              |
|--------------------------------------------------------|
| (Exact name of registrant as specified in its charter) |

|                                                           | PENNSYLVANIA                         | 25-1623213 |   |
|----------------------------------------------------------------|--------------------------------------|------------|--------|
| (State or other jurisdiction of incorporation or organization) | (I.R.S. Employer Identification No.) |

| 900 LIGONIER STREET, LATROBE, PA         | 15650      |
|------------------------------------------|------------|
| (Address of principal executive offices) | (Zip Code) |

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| Commercial National Financial Corporation |
|-------------------------------------------|
|                                      |
| Form 10-K                                 |
|                                      |
| INDEX                                     |
|                                      |

| PART I   |                                                                                                               | PAGE           |
|----------|--------------------------------------------------------------------------------------------------------------------|----------------|
| ITEM 1.  | Business                                                                                                           | 4              |
| ITEM 1A. | Risk Factors                                                                                                       | 6              |
| ITEM 1B. | Unresolved Staff Comments                                                                                          | 6              |
| ITEM 2.  | Properties                                                                                                         | 6              |
| ITEM 3.  | Legal Proceedings                                                                                                  | 6              |
| ITEM 4.  | Submission of Matters to a Vote of Security Holders                                                                | 6              |
|     |                                                                                                               |           |
| PART II  |                                                                                                               |           |
| ITEM 5.  | Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities  |    7 |
| ITEM 6.  | Selected Financial Data                                                                                            | 8              |
| ITEM 7.  | Management's Discussion and Analysis of Financial Condition and Results of Operations                         | 8              |
| ITEM 7A. | Quantitative and Qualitative Disclosures About Market Risk                                                         | 8              |
| ITEM 8.  | Financial Statements and Supplementary Data                                                                        | 8              |
| ITEM 9.  | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure                          | 8              |
| ITEM 9A. | Controls and Procedures                                                                                            | 8              |
| ITEM 9B. | Other Information                                                                                                  | 9              |
|     |                                                                                                               |           |
| PART III |                                                                                                               |           |
| ITEM 10. | Directors, Executive Officers of the Registrant and Corporate Governance                                           | 9              |
| ITEM 11. | Executive Compensation                                                                                             | 9              |
| ITEM 12. | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters                | 9              |
| ITEM 13. | Certain Relationships and Related Transactions and Director Independence                                           | 9              |
| ITEM 14. | Principal Accountant Fees and Services                                                                             | 9              |
|     |                                                                                                               |           |
| PART IV  |                                                                                                               |           |
| ITEM 15. | Exhibits and Financial Statement Schedules                                                                         | 10             |
|     |                                                                                                               |           |

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| Name                   | Age    | Present and Previous Positions                                               |
|------------------------|--------|------------------------------------------------------------------------------|
|                   |   |                                                                         |
|                   |   |                                                                         |
| Gregg E. Hunter        | 51     | Vice chairman, president and chief executive officer (February 2004 -        |
|                   |   | present), Vice chairman and chief financial officer                          |
|                   |   | (December 1995 to January 2004)                                              |
|                   |   |                                                                         |
| Thomas D. Watters, CPA | 48     | Executive vice president and chief financial officer (July 2005-             |
|                   |   | present),  Chief Auditor  (January 1998-July 2005)       |
|                   |   |                                                                         |
|                   |   |                                                                         |
|                   |   |                                                                         |
| Wendy S. Schmucker     | 41     | Secretary/treasurer and senior vice president, division manager              |
|                   |   | corporate administration (February 2004 – present) Secretary/treasurer |
|                   |   | and vice president, manager corporate administration (November               |
|                   |   | 1997 to January 2004)                                                        |
|                   |   |                                                                         |
| Susan R. Skoloda       | 35     | Vice president, corporate controls and community relations officer           |
|                   |   | (March 2004 to present); assistant vice president (April 2001 to             |
|                   |   | February 2004); assistant secretary/treasurer (April 1998 to present)        |
|                   |   |                                                                         |
|                   |   |                                                                         |

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|   | Item 5.  MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER  MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------|

|           |   |                                           |   |                                                      |   |      Cash Dividend               |
|----------------|--------|------------------------------------------------|--------|-----------------------------------------------------------|--------|-----------------------------------------------------------|
|           |   |        High |   |          Low |   |         Per Share |
| 2009           |   |                                           |   |                                                      |   |                                                      |
| First Quarter  | $      | 16.65                                          | $      | 13.25                                                     | $      | .22                                                       |
| Second Quarter |   | 19.70                                          |   | 12.75                                                     |   | .22                                                       |
| Third Quarter  |   | 18.70                                          |   | 14.44                                                     |   | .22                                                       |
| Fourth Quarter |   | 19.71                                          |   | 16.60                                                     |   | .22                                                       |
|           |   |                                           |   |                                                      |   |                                                      |

| 2008           |   |                                |   |   |   |   |
|----------------|--------|-------------------------------------|--------|--------|--------|--------|
| First Quarter  | $      |      19.38      | $      | 15.07  | $      | .20    |
| Second Quarter |   |      16.60      |   | 14.90  |   | .20    |
| Third Quarter  |   |      15.33 |   | 11.25  |   | .22    |
| Fourth Quarter |   |      17.95 |   | 13.75  |   | .22    |

| ISSUER PURCHASES OF EQUITY SECURITIES |
|---------------------------------------|
| Period                                | (a) Total Number of Shares Purchased | (b) Average Price Paid per Share | (c) Total Number of Shares  Purchased as Part of Publicly Announced Plans | (d) Maximum Number of Shares that May Yet Be Purchased Under the Plans  |
| October 1-October 31                  |  0 | 0 | 0 |  114,826 |
| November 1 –November 30         |  0 | 0 | 0 |  114,826 |
| December 1-December 31                | 0 | 0 | 0 |  114,826 |
| Total                                 | 0 | 0 | 0 |  114,826 |

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|   | Item 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS |
|--------|----------------------------------------------------------------------------------------------------------|

|   | Item 9.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE |
|--------|---------------------------------------------------------------------------------------------------------|

|   | Management’s  Report on internal Control over Financial Reporting. |
|--------|------------------------------------------------------------------------------------|

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|   | (a) | The consolidated financial statements and exhibits listed below are filed as part of this report.  Financial statement schedules are omitted as they are not applicable. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | The Corporation’s consolidated financial statements, the notes thereto and the report of the independent registered public accounting firm of the Annual Report and are incorporated herein by reference. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|                Exhibit                 |                                                                                                        | Page Number or Incorporated by                                     |
|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------|
| Number                                                                                                            | Description                                                                                                 | Reference to                                                       |
|                                                                                                              |                                                                                                        |                                                               |
| 3.1                                                                                                               | Articles of Incorporation                                                                                   | Exhibit C to Form S-4 RegistrationStatement Filed April 9, 1990    |
|                                                                                                              |                                                                                                        |                                                               |
| 3.2                                                                                                               | By-laws of Registrant                                                                                       | Exhibit D to Form S-4 RegistrationStatement Filed April 9, 1990    |
|                                                                                                              |                                                                                                        |                                                               |
| 3.3                                                                                                               | Amended Articles of Incorporation                                                                           | Exhibit 3.6 to Form 10-Q                                           |
|                                                                                                              |                                                                                                        | Filed for the quarter ended                                        |
|                                                                                                              |                                                                                                        | September 30, 2004                                                 |
|                                                                                                              |                                                                                                        |                                                               |
| 3.4                                                                                                               | Amended Bylaws of Registrant                                                                                | Exhibit 3.8 to Form 10-Q                                           |
|                                                                                                              |                                                                                                        | Filed for the quarter ended                                        |
|                                                                                                              |                                                                                                        | September 30, 2004                                                 |
|                                                                                                              |                                                                                                        |                                                               |
| 10.1                                                                                                              | Amended and Restated Employment Agreement between Gregg E. Hunter and Commercial Bank & Trust of PA     | Exhibit 10.1 to Form 10-KFiled for the year endedDecember 31, 2008 |
|                                                                                                              |                                                                                                        |                                                               |
| 10.3                                                                                                              | Mutual Release and Non-Disparagement Agreement between Commercial Bank of Pennsylvania and Louis T. Steiner | Exhibit 10-3 to Form 10-KFiled for the year endedDecember 31, 2003 |
|                                                                                                              |                                                                                                        |                                                               |
|                   10.4  | Stock Purchase Agreement between the Corporation and all of the Shareholders of Ridge Properties, Inc.      | Exhibit 10.4 to Form 10-QFiled for the quarter endedJune 30, 2008  |
|                                                                                                              |                                                                                                        |                                                               |
|                   10.5       | Change in Certifying Accountant                                                                             | Filed herewith                                                     |
|                                                                                                              |                                                                                                        |                                                               |
| 13                                                                                                                | Portions of the Annual Report to Shareholders for the Fiscal year Ended December 31, 2009                   | Filed herewith                                                     |
|                                                                                                              |                                                                                                        |                                                               |
| 14                                                                                                                | Code of Ethics for Senior Financial Officers                                                                | Filed herewith                                                     |
|                                                                                                              |                                                                                                        |                                                               |
| 21                                                                                                                | Subsidiaries of the Registrant                                                                              | Filed herewith                                                     |
|                                                                                                              |                                                                                                        |                                                               |
| 31.1                                                                                                              | Rule 13a-15(e) and 15d-15(e) Certification of Chief Executive Officer                                       | Filed herewith                                                     |
|                                                                                                              |                                                                                                        |                                                               |
| 31.2                                                                                                              | Rule 13a-15(e) and 15d-15(e) Certification of Chief Financial Officer                                       | Filed herewith                                                     |
|                                                                                                              |                                                                                                        |                                                               |
| 32.1                                                                                                              | Section 1350 Certification of Chief Executive Officer                                                       | Filed herewith                                                     |
|                                                                                                              |                                                                                                        |                                                               |
| 32.2                                                                                                              | Section 1350 Certification of Chief Financial Officer                                                       | Filed herewith                                                     |

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| SIGNATURES                                                                     |
|--------------------------------------------------------------------------------|
|                                                                           |
| 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.                          |
|                                                                           |
|                                                                           |
|                                                                           |
|                                                                           | COMMERCIAL NATIONAL FINANCIAL CORPORATION |
|                                                                           | (Registrant) |
|                                                                           |   |
|                                                                           |   |
|                                                                           |   |
|                                                                           | By:/s/ Gregg E. Hunter |   |
|                                                                           | Gregg E. Hunter, Vice Chairman, President |
|  March 26, 2010                                                           | and Chief Executive Officer |
|                                                                           |   |
|                                                                           |
|                                                                           |   |
|                                                                           |   |
|                                                                           | By:/s/ Thomas D. Watters |   |
|                                                                           | Thomas D. Watters, Executive Vice President |
|                                                                           | and Chief Financial Officer |
|                                                                           |   |
| March 26, 2010                                                                 |

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| SIGNATURE AND CAPACITY                                                                                                    | DATE   |
|---------------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                      |   |
| /s/ George V. Welty                                                                                                       |   | March 26, 2010 |
| George V. Welty, Chairman of the Board and Director                                                                       |   |
| /s/ Gregg E. Hunter                                                                                                       |   | March 26, 2010 |
| Gregg E. Hunter, Vice Chairman of the Board, Director, President and Chief Executive Officer(principal executive officer) |   |
|  /s/ Thomas D. Watters                                                                                               |   | March 26, 2010 |
| Thomas D. Watters , Executive Vice President and Chief Financial Officer(principal financial officer)                     |   |
|  /s/ Wendy S. Schmucker                                                                                              |   | March 26, 2010 |
| Wendy S. Schmucker, Secretary/Treasurer                                                                                   |   |
| /s/ John T. Babilya                                                                                                       |   | March 26, 2010 |
| John T. Babilya, Director                                                                                                 |   |
| /s/ George A. Conti, Jr.                                                                                                  |   | March 26, 2010 |
| George A. Conti Jr., Director                                                                                             |   |
| /s/ Richmond H. Ferguson                                                                                                  |   | March 26, 2010 |
| Richmond H. Ferguson, Director                                                                                            |   |
| /s/ Frank E. Jobe                                                                                                         |   | March 26, 2010 |
| Frank E. Jobe, Director                                                                                                   |   |
| /s/ Steven H. Landers                                                                                                     |   | March 26, 2010 |
| Steven H. Landers, Director                                                                                               |   |
| /s/ Joseph A. Mosso                                                                                                       |   | March 26, 2010 |
| Joseph A. Mosso, Director                                                                                                 |   |
| /s/  Bruce A. Robinson                                                                                          |   | March 26, 2010 |
| Bruce A. Robinson, Director                                                                                               |   |
|                                                                                                                      |   |
| /s/ Debra L. Spatola                                                                                                      |   | March 26, 2010 |
| Debra L. Spatola, Director                                                                                                |   |
| /s/ C. Edward Wible                                                                                                       |   | March 26, 2010 |
| C. Edward Wible, Director                                                                                                 |   |   |

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| EXHIBIT TABLE OF CONTENTS |
|---------------------------|
|                      |
|                      |
| Exhibit                   |   |
| Number                    | Description |
|                      |   |
|                      |   |
|                      |   |
| 13                        | Portions of the Annual Report to Shareholders for the Fiscal Year Ended December 31, 2009  |
| 14                        | Code of Ethics for Senior Financial Officers  |
| 21                        | Subsidiaries of the Registrant  |
| 31.1                      | Rule 13a-15(e)and 15d-15(e) Certification of Chief Executive Officer  |
| 31.2                      | Rule 13a-15(e) and 15d-15(e) Certification of Chief Financial Officer  |
| 32.1                      | Section 1350 Certification of Chief Executive Officer |
|                      |   |
| 32.2                      | Section 1350 Certification of Chief Financial Officer |

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|                                            | State or Jurisdiction |
|-------------------------------------------------|-----------------------|
| Subsidiary                                      | of Incorporation      |
|                                            |                  |
| Commercial Bank & Trust of PA               | Pennsylvania          |
|                                            |                  |
| Ridge Properties, Inc.                          | Pennsylvania          |
|                                            |                  |
| Commercial National Investment Corp. (Inactive) | Pennsylvania          |
|                                            |                  |
|                                            |                  |

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