**Exhibit      99.1**

| FOR                IMMEDIATE RELEASE | FOR                FURTHER INFORMATION       |
|--------------------------------------|----------------------------------------------|
| January                25, 2006      | Brendan                J. McGill             |
|                                 | Senior                Vice President and CFO |
|                                 | 215.256.8828                                 |

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| **Harleysville                    Savings Financial Corporation**                                      |   |                                      |          |                                |   |
|--------------------------------------------------------------------------------------------------------|--------|-------------------------------------------|---------------|-------------------------------------|--------|
| **Selected                    Consolidated Financial Data as of December 31,                    2005** |   |                                      |          |                                |   |
| (Dollars                    in thousands except per share data)                                        |   |                                      |          |                                |   |
| (                    (1) Unaudited)                                                                    |   | **Three                    Months Ended** |          |
|                                                                                                   |   |                                      |          |                                |   |
| **Selected                    Consolidated Earnings Data**                                             |   | **Dec                    31, 2005(1)**    |          | Dec                    31, 2004 (1) |   |
| Total                    interest income                                                               |   | **$**                                     | **9,463**     |                                | $      | 8,579 |   |
| Total                    interest expense                                                              |   |                                      | **6,422**     |                                |   | 5,351 |   |
|                                                                                                   |   |                                      |          |                                |   |   |   |
| Net                    Interest Income                                                                 |   |                                      | **3,041**     |                                |   | 3,228 |   |
| Provision                    for loan losses                                                           |   |                                      | **-**         |                                |   | - |   |
|                                                                                                   |   |                                      |          |                                |   |   |   |
| Net                    Interest Income after Provision for Loan Losses                                 |   |                                      | **3,041**     |                                |   | 3,228 |   |
|                                                                                                   |   |                                      |          |                                |   |   |   |
| Gain                    on sale of investments                                                         |   |                                      | **-**         |                                |   | 64 |   |
| Other                    income                                                                        |   |                                      | **329**       |                                |   | 350 |   |
| Total                    other expenses                                                                |   |                                      | **1,973**     |                                |   | 1,959 |   |
|                                                                                                   |   |                                      |          |                                |   |   |   |
| Income                    before Income Taxes                                                          |   |                                      | **1,397**     |                                |   | 1,683 |   |
| Income                    tax expense                                                                  |   |                                      | **316**       |                                |   | 427 |   |
|                                                                                                   |   |                                      |          |                                |   |   |   |
| Net                    Income                                                                          |   | **$**                                     | **1,081**     |                                | $      | 1,256 |   |
|                                                                                                   |   |                                      |          |                                |   |   |   |
|                                                                                                   |   |                                      |          |                                |   |   |   |
| **Per                    Common Share Data**                                                           |   |                                      |          |                                |   |   |   |
| Basic                    earnings                                                                      |   | **$**                                     | **0.28**      |                                | $      | 0.33 |   |
| Diluted                    earnings                                                                    |   | **$**                                     | **0.27**      |                                | $      | 0.32 |   |
| Dividends                                                                                              |   | **$**                                     | **0.16**      |                                | $      | 0.13 |   |
| Book                    value                                                                          |   | **$**                                     | **12.33**     |                                | $      | 11.77 |   |
| Shares                    outstanding                                                                  |   |                                      | **3,909,539** |                                |   | 3,839,655 |   |
| Average                    shares outstanding - basic                                                  |   |                                      | **3,904,363** |                                |   | 3,832,345 |   |
| Average                    shares outstanding - diluted                                                |   |                                      | **3,946,276** |                                |   | 3,906,358 |   |
|                                                                                                   |   |                                      |          |                                |   |   |   |

| **Other                    Selected Consolidated Data**   |   | **Dec                    31, 2005(1)** |      | **Dec                    31, 2004(1)** |   |
|-----------------------------------------------------------|--------|----------------------------------------|-----------|----------------------------------------|--------|
| Return                    on average assets               |   |                                   | **0.56**  | **%**                                  |   | 0.69 | % |
| Return                    on average equity               |   |                                   | **9.06**  | **%**                                  |   | 11.25 | % |
| Interest                    rate spread                   |   |                                   | **1.45**  | **%**                                  |   | 1.68 | % |
| Net                    yield on interest earning assets   |   |                                   | **1.64**  | **%**                                  |   | 1.84 | % |
| Operating                    expenses to average assets   |   |                                   | **1.03**  | **%**                                  |   | 1.08 | % |
| Efficiency                    ratio                       |   |                                   | **58.55** | **%**                                  |   | 54.75 | % |
| Ratio                    of non-performing loans to total |   |                                   |      |                                   |   |   |   |
| assets                    at end of period                |   |                                   | **0.02**  | **%**                                  |   | 0.04 | % |
| Loan                    loss reserve to total loans, net  |   |                                   | **0.54**  | **%**                                  |   | 0.57 | % |

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|                                                      |   |                                 |    |                           |   |                              |   |                              |    |                             |   |
|-----------------------------------------------------------|--------|--------------------------------------|---------|--------------------------------|--------|-----------------------------------|--------|-----------------------------------|---------|----------------------------------|--------|
| **Selected                  Consolidated Financial Data** |   | **Dec                  31, 2005(1)** |    | Sept                  30, 2005 |   | June                  30, 2005(1) |   | Mar                  31, 2005 (1) |    | Dec                  31, 2004(1) |   |
| Total                  assets                             |   | $                                    | 766,644 |                           | $      | 766,990                           |   | $                                 | 757,509 |                             | $      | 748,425 |   | $ | 726,957 |   |
| Loans                  receivable - net                   |   |                                 | 365,811 |                           |   | 366,007                           |   |                              | 357,212 |                             |   | 347,555 |   |   | 341,110 |   |
| Loan                  loss reserve                        |   |                                 | 1,967   |                           |   | 1,968                             |   |                              | 1,971   |                             |   | 1,971 |   |   | 1,974 |   |
| Cash                  & investment securities         |   |                                 | 111,107 |                           |   | 98,135                            |   |                              | 92,351  |                             |   | 88,346 |   |   | 79,690 |   |
| Mortgage-backed                  securities               |   |                                 | 252,545 |                           |   | 265,009                           |   |                              | 268,106 |                             |   | 274,512 |   |   | 269,004 |   |
| FHLB                  stock                               |   |                                 | 14,673  |                           |   | 16,036                            |   |                              | 16,004  |                             |   | 15,732 |   |   | 15,340 |   |
| Deposits                                                  |   |                                 | 429,513 |                           |   | 418,980                           |   |                              | 412,667 |                             |   | 411,852 |   |   | 408,766 |   |
| FHLB                  advances                            |   |                                 | 283,791 |                           |   | 297,268                           |   |                              | 289,308 |                             |   | 285,214 |   |   | 268,222 |   |
| Total                  stockholders' equity               |   |                                 | 48,185  |                           |   | 47,576                            |   |                              | 46,857  |                             |   | 45,990 |   |   | 45,203 |   |