UNITED STATES
                       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


Date of Report (Date of earliest event reported)         January 8, 2007
                                                 -------------------------------


                   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)


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


                                 Not Applicable
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          (Former name or former address, if changed since last report)


Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2 below):

[_]   Written communications pursuant to Rule 425 under the Securities Act (17
      CFR 240.14d-2(b))
[_]   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14d-2(b))
[_]   Pre-commencement  communications  pursuant  to  Rule  14d-2(b)  under  the
      Exchange Act (17 CFR 240.14d-2(b))
[_]   Pre-commencement  communications  pursuant  to  Rule  13e-4(c)  under  the
      Exchange Act (17 CFR 240.13e-4(c))



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Item 4.01    Changes  in Registrant's Certifying Accountant.
             ----------------------------------------------

         On January 8, 2007 (the  "Notice  Date"),  the Audit  Committee  of the
Board of Directors of Harleysville Savings Financial Corporation (the "Company")
notified Deloitte & Touche LLP ("Deloitte") that they have been dismissed as the
Company's independent registered public accounting firm, effective immediately.

         On the Notice Date, the Audit  Committee  notified Beard Miller Company
LLP  ("Beard  Miller")  that they have been  engaged  to serve as the  Company's
independent  registered  public accounting firm. The appointment of Beard Miller
and the dismissal of Deloitte were effected by the Audit Committee.

         Deloitte  performed  audits  of the  Company's  consolidated  financial
statements for the years ended September 30, 2006 and 2005.  Deloitte's  reports
did not  contain an  adverse  opinion or a  disclaimer  of opinion  and were not
qualified or modified as to uncertainty, audit scope, or accounting principles.

         During the two years ended  September 30, 2006,  and from September 30,
2006 through the effective  date of Deloitte's  termination,  there have been no
disagreements  between  the Company  and  Deloitte  on any matter of  accounting
principles or practice,  financial  statement  disclosure,  or auditing scope or
procedure,  which  disagreements would have caused Deloitte to make reference to
the subject matter of such disagreements in connection with its report.  None of
the  "reportable  events"  described  in Item  304(a)(1)(v)  of  Regulation  S-K
promulgated by the Securities and Exchange  Commission  (the "SEC")  pursuant to
the  Securities  Exchange Act of 1934 have  occurred  during the two years ended
September 30, 2006, or through the effective date of Deloitte's termination.

         The Company provided Deloitte with a copy of the foregoing  disclosures
and requested that they furnish a letter  addressed to the SEC,  stating whether
it agrees with the statements  made by the Company set forth above,  and if not,
stating the respects in which it does not agree.  Attached as Exhibit 16 to this
Report is Deloitte's response letter.

         During the two years ended  September  30, 2006 and from  September 30,
2006  through  the  engagement  of Beard  Miller  as the  Company's  independent
registered public accounting firm,  neither the Company nor anyone on its behalf
has consulted  Beard Miller with respect to any  accounting  or auditing  issues
involving the Company.  In particular,  there was no discussion with the Company
regarding the application of accounting  principles to a specified  transaction,
the type of audit opinion that might be rendered on the financial statements, or
any matter  that was  either the  subject of a  disagreement  with  Deloitte  on
accounting  principles or practices,  financial statement disclosure or auditing
scope or procedures,  which,  if not resolved to the  satisfaction  of Deloitte,
would have caused Deloitte to make reference to the matter in their report, or a
"reportable   event"  as  described  in  Item  304(a)(1)(v)  of  Regulation  S-K
promulgated by the SEC.

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Item 9.01    Financial Statements and Exhibits
             ---------------------------------

       (a)   Not applicable.

       (b)   Not applicable.

       (c)   The following exhibits are included with this Report:

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

       16               Letter of Deloitte & Touche LLP


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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:  January 12, 2007




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