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)            July 16, 2008
                                                 -------------------------------


                   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, former address and former fiscal year,
                          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 230.425)
[_]   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)
[_]   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))

<PAGE>

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

      On  July  16,  2008,   Harleysville  Savings  Financial  Corporation  (the
"Company")  issued a press release  announcing its results of operations for the
three and nine  months  ended  June 30,  2008.  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 8.01    Other Events
             ------------

      On July 16, 2008,  the Company also  announced that the board of directors
increased the regular  quarterly  cash dividend to $0.18 per share to be paid by
the Company on its  outstanding  shares of common  stock.  The cash  dividend is
payable August 20, 2008 to stockholders of record as of August 6, 2008.

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

       (a)   Not applicable.

       (b)   Not applicable.

       (c)   Not applicable.

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

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

       99.1               Press Release, dated July 16, 2008


                                       2

<PAGE>


                                   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 hereunto duly authorized.

                                      Harleysville Savings Financial Corporation


Date:  August 5, 2008                 By: /s/ Brendan  J. McGill
                                          ---------------------------------
                                          Name:  Brendan J. McGill
                                          Title: Senior Vice President and Chief
                                                  Financial Officer




                                  EXHIBIT INDEX

             Exhibit No.          Description
             -----------          --------------------------------------------
             99.1                 Press Release dated July 16, 2008