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)           August 2, 2006
                                                  ------------------------------





                   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 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 19, 2006, Harleysville Savings Financial Corporation (the
"Company") issued a press release announcing its results of operations for the
three and nine months ended June 30, 2006. 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 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 19, 2006


                                       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 2, 2006               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 19, 2006


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