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<SEC-DOCUMENT>0001047469-05-024113.txt : 20051007
<SEC-HEADER>0001047469-05-024113.hdr.sgml : 20051007
<ACCEPTANCE-DATETIME>20051007170904
ACCESSION NUMBER:		0001047469-05-024113
CONFORMED SUBMISSION TYPE:	S-3/A
PUBLIC DOCUMENT COUNT:		6
FILED AS OF DATE:		20051007
DATE AS OF CHANGE:		20051007

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MID PENN BANCORP INC
		CENTRAL INDEX KEY:			0000879635
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				251666413
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-3/A
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-39341
		FILM NUMBER:		051130197

	BUSINESS ADDRESS:	
		STREET 1:		349 UNION ST
		CITY:			MILLERSBURG
		STATE:			PA
		ZIP:			17061
		BUSINESS PHONE:		7176922133

	MAIL ADDRESS:	
		STREET 1:		349 UNION STREET
		STREET 2:		349 UNION STREET
		CITY:			MILLERSBURG
		STATE:			PA
		ZIP:			17061
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-3/A
<SEQUENCE>1
<FILENAME>a2163739zs-3a.htm
<DESCRIPTION>FORM S-3/A
<TEXT>
<HTML>
<HEAD>
</HEAD>
<BODY BGCOLOR="#FFFFFF" LINK=BLUE  VLINK=PURPLE>
<BR>
<FONT SIZE=3 ><A HREF="#05PHI1284_1">QuickLinks</A></FONT>
<font size=3> -- Click here to rapidly navigate through this document</font>
<P ALIGN="CENTER"><FONT SIZE=2><B>As filed with the Securities and Exchange Commission on October&nbsp;7, 2005  </B></FONT></P>

<P ALIGN="RIGHT"><FONT SIZE=2><B> Registration No.&nbsp;333-39341  </B></FONT></P>


<P><FONT SIZE=2><B> <hr noshade width=100% align=left size=4>
<hr noshade width=100% align=left size=1>  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=5><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>  </B></FONT><FONT SIZE=2><B>Washington, DC 20549  </B></FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="120">
<P ALIGN="CENTER"><FONT SIZE=5><B>Amendment No.&nbsp;1<BR>
to<BR>
FORM S-3<BR>  </B></FONT><FONT SIZE=2><B>REGISTRATION STATEMENT<BR>
UNDER THE SECURITIES ACT OF 1933  </B></FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="120">
<P ALIGN="CENTER"><FONT SIZE=5><B>MID PENN BANCORP,&nbsp;INC.<BR>  </B></FONT><FONT SIZE=2>(Exact name of Registrant as specified in its charter) </FONT></P>

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<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><B>Pennsylvania</B></FONT><FONT SIZE=2><BR>
(State or other jurisdiction of<BR>
incorporation or organization)</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><B>25-1666413</B></FONT><FONT SIZE=2><BR>
(I.R.S. Employer<BR>
Identification No.)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><BR><FONT SIZE=2><B>Mid Penn Bancorp,&nbsp;Inc.<BR>
349 Union Street<BR>
Millersburg, Pennsylvania 17061<BR>
(717)&nbsp;692-2133</B></FONT><FONT SIZE=2><BR>
(Address, including zip code, and telephone number,<BR>
including area code, of Registrant's principal executive offices)</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><BR><FONT SIZE=2><B>Alan W. Dakey, President<BR>
Mid Penn Bancorp,&nbsp;Inc.<BR>
349 Union Street<BR>
Millersburg, Pennsylvania 17061<BR>
(717)&nbsp;692-2133</B></FONT><FONT SIZE=2><BR>
(Name, address, including zip code, and telephone number,<BR>
including area code, of agent for service)</FONT></TD>
</TR>
</TABLE>
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<TR VALIGN="BOTTOM">
<TD COLSPAN=3 ALIGN="CENTER" VALIGN="TOP"><FONT SIZE=2><BR>
<BR></FONT> <FONT SIZE=2><B>With Copies to:</B></FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=3 ALIGN="CENTER" VALIGN="TOP"><FONT SIZE=2><B>Nicholas Bybel, Jr., Esquire<BR>
Amy B. Kaunas, Esquire<BR>
SHUMAKER WILLIAMS, P.C.<BR>
Post Office Box 88<BR>
Harrisburg, Pennsylvania 17108<BR>
(717)&nbsp;763-1121</B></FONT></TD>
</TR>
</TABLE></DIV>
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<P ALIGN="CENTER"><FONT SIZE=2><B>Approximate date of commencement of the proposed sale of the securities to the public:<BR>
From time to time after this Registration Statement becomes effective.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the only securities being registered on this Form are being offered in connection with the formation of a holding company and there is compliance with General
Instruction G, check the following box. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule&nbsp;415 under the Securities Act of 1933, other than
securities offered only in connection with dividend or interest reinvestment plans, check the following box. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the only securities being registered on this Form are being offered pursuant to dividend or interest reinvestment plans, please check the following
box.&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="WINGDINGS">&#253;</FONT> </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If this Form is filed to register additional securities for an offering pursuant to Rule&nbsp;462(b) under the Securities Act, please check the following box
and list the Securities Act Registration Statement number of the earlier effective Registration Statement for the same offering. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
this Form is a post-effective amendment filed pursuant to Rule&nbsp;462(c) under the Securities Act, please check the following box and list the Securities Act
Registration Statement number of the earlier effective Registration Statement for the same offering. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
delivery of the Prospectus is expected to be made pursuant to Rule&nbsp;434, please check the following box. </FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="120">
<P ALIGN="CENTER"><FONT SIZE=2><B>CALCULATION OF REGISTRATION FEE  </B></FONT></P>

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</TR>
<TR VALIGN="BOTTOM">
<TH WIDTH="32%" ALIGN="CENTER"><FONT SIZE=1><B>Title of Each Class<BR>
of Securities to<BR>
be Registered</B></FONT><BR></TH>
<TH WIDTH="1%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="14%" ALIGN="CENTER"><FONT SIZE=1><B>Amount<BR>
to be<BR>
Registered</B></FONT><BR></TH>
<TH WIDTH="1%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="19%" ALIGN="CENTER"><FONT SIZE=1><B>Proposed Maximum<BR>
Offering Price<BR>
Per Share</B></FONT><BR></TH>
<TH WIDTH="1%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="19%" ALIGN="CENTER"><FONT SIZE=1><B>Proposed Maximum<BR>
Aggregate<BR>
Offering Price (1)</B></FONT><BR></TH>
<TH WIDTH="1%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="14%" ALIGN="CENTER"><FONT SIZE=1><B>Amount of<BR>
Registration<BR>
Fee</B></FONT><BR></TH>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9><HR NOSHADE></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="32%"><FONT SIZE=2>Common Stock par value $1.00 per share</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="14%" ALIGN="CENTER"><FONT SIZE=2>300,000</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="19%" ALIGN="CENTER"><FONT SIZE=2>$25.85</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="19%" ALIGN="CENTER"><FONT SIZE=2>$7,755,000</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="14%" ALIGN="CENTER"><FONT SIZE=2>$304.00(2)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9><HR NOSHADE></TD>
</TR>
</TABLE>
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<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(1)</FONT></DT><DD><FONT SIZE=2>Estimated
solely for the purpose of determining the registration fee. Calculated in accordance with Rule&nbsp;457(c) and based upon the average of the bid and asked prices of the
Common Stock on October&nbsp;3, 2005
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(2)</FONT></DT><DD><FONT SIZE=2>Fee
paid is paid on 100,000 shares. Fees were paid for the original 200,000 shares on November&nbsp;3, 1997 in connection with the original Form&nbsp;S-3. </FONT></DD></DL>


<P><FONT SIZE=2><hr
noshade width=100% align=left size=1>
<hr noshade width=100% align=left size=4> </FONT></P>

<HR NOSHADE>
<P style='page-break-before:always'></p>
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<P><FONT SIZE=2><B>PROSPECTUS  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=4><B>MID PENN BANCORP,&nbsp;INC.  </B></FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="120">
<P ALIGN="CENTER"><FONT SIZE=2>AMENDED AND RESTATED DIVIDEND REINVESTMENT PLAN </FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="120">
<P ALIGN="CENTER"><FONT SIZE=2>SHARES OF COMMON STOCK<BR>
PAR VALUE $1.00 </FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="120">

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Amended and Restated Dividend Reinvestment Plan (the "Plan") of Mid Penn Bancorp,&nbsp;Inc. (the "Corporation") provides holders of the Corporation's common shares with a
convenient way to purchase additional shares of the Corporation's common stock, par value $1.00 per share (the "Common Stock"), by permitting participants in the Plan to have cash dividends on all of
their shares automatically reinvested and by providing that each participating shareholder may voluntarily purchase additional shares of Common Stock of the Corporation with cash contributions to the
Plan. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participation
in the Plan is entirely voluntarily so that shareholders may join the Plan and terminate their participation in the Plan at any time. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Plan was originally adopted by the Corporation's shareholders on April&nbsp;24, 1990, and was amended by resolution of the Board of Directors on June&nbsp;26, 1996, on
September&nbsp;24, 1997 and again on September&nbsp;28, 2005. Under the terms of the Plan, as amended on September&nbsp;28, 2005, the Corporation
is authorized to issue up to 300,000 shares of Common Stock (subject to adjustment for, among other things, stock dividends and stock splits) pursuant to the Plan. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends,
if and when declared, will be reinvested under the terms of the Plan. Shareholders may participate in the Plan with respect to any or all of their shares of Common Stock,
provided that each shareholder participates with respect to at least one share of Common Stock. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Complete
details of the Plan are provided in this Prospectus in an easy to understand question and answer format. You are encouraged to read it carefully. If you have any additional
questions, please call Kevin W. Laudenslager at (717)&nbsp;692-2133. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
recommend that you retain this Prospectus for future reference. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
investment in Common Stock held in a Plan Account has the same market risks as an investment in Common Stock held in certificate form. Participants bear the risk of loss (and receive
benefit of gain) occurring by reason of fluctuations in the market price of the Common Stock held in the Plan Account. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;See
"Risk Factors" beginning on page 1 for a discussion of various factors that shareholders should consider about an investment in our Common Stock. </FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="120">
<P ALIGN="CENTER"><FONT SIZE=3><B>Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this
prospectus is accurate or inadequate. Any representation to the contrary is a criminal offense.</B></FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="120">
<P ALIGN="CENTER"><FONT SIZE=2>The date of this Prospectus is October&nbsp;7, 2005 </FONT></P>

<HR NOSHADE>
<P style='page-break-before:always'></p>
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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="bg1284_table_of_contents"> </A>
<A NAME="toc_bg1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>TABLE OF CONTENTS    <BR>    </B></FONT></P>

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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="5%" ALIGN="CENTER"><FONT SIZE=1><B>Page</B></FONT><HR NOSHADE></TH>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=2><FONT SIZE=2>RISK FACTORS</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>1</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=2><FONT SIZE=2><BR>
THE CORPORATION</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2><BR>
4</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=2><FONT SIZE=2><BR>
AMENDMENT TO THE PLAN</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2><BR>
4</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=2><FONT SIZE=2><BR>
EXPLANATION OF THE AMENDED AND RESTATED DIVIDEND REINVESTMENT PLAN</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2><BR>
4</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>The Purpose and Features of the Plan</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>4</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Administration</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>4</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Participation</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>5</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Purchases</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>5</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Voluntary Cash Payments</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>8</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Costs</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>8</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Reports to Participants</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>9</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Certificates for Shares</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>9</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Withdrawal of Shares in Plan Accounts</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>9</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Discontinuation of Dividend Reinvestment</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>10</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Federal Income Tax Information</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>10</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Other Information</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>11</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Voting of Shares</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>11</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=2><FONT SIZE=2><BR>
DESCRIPTION OF CAPITAL SECURITIES</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2><BR>
12</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Issuance of Additional Securities</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>13</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Anti-Takeover Provisions in Articles and Bylaws</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>13</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="2%"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD WIDTH="90%"><FONT SIZE=2>Anti-Takeover Provisions Applicable to Registered Corporations</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>14</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=2><FONT SIZE=2><BR>
USE OF PROCEEDS</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2><BR>
17</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=2><FONT SIZE=2><BR>
INDEMNIFICATION OF DIRECTORS AND OFFICERS</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2><BR>
18</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=2><FONT SIZE=2><BR>
AVAILABLE INFORMATION</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2><BR>
18</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=2><FONT SIZE=2><BR>
DOCUMENTS INCORPORATED BY REFERENCE</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2><BR>
19</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=2><FONT SIZE=2><BR>
EXPERTS</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2><BR>
20</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=2><FONT SIZE=2><BR>
LEGAL OPINION</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2><BR>
20</FONT></TD>
</TR>
</TABLE>
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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="de1284_risk_factors"> </A>
<A NAME="toc_de1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>RISK FACTORS  <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The purpose of the Plan is to provide a convenient and useful service for the Corporation's shareholders. Nothing in this Prospectus represents a recommendation
by the Corporation or anyone else that a person buy or sell the Corporation's Common Stock. We urge you to read this Prospectus thoroughly before you make your investment decision regarding
participation in the Plan. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Before
you invest in the Corporation's Common Stock, you should be aware that an investment in our Common Stock involves a variety of risks, including those described below. You should
carefully read and consider these risk factors, together with all the other information contained in this Prospectus, before you decide whether to purchase the Corporation's Common Stock. </FONT></P>

<P><FONT SIZE=2><I>You will have a limited influence on shareholder decisions.  </I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Together, our directors and executive officers hold 455,509 shares, representing 14.28% of the total number of shares outstanding as of February&nbsp;15, 2005.
Further, this percentage of ownership could increase if our directors and officers participate in the Plan. Our directors and officers are able to significantly influence our management policies and
decisions as well as issues that require a shareholder vote. If our directors and executive officers vote together, they could influence the outcome of certain corporate actions requiring shareholder
approval, including the election of directors and the approval or non-approval of significant corporate transactions, such as the merger or sale of all or substantially all of our assets.
Their interests may differ from the interests of other shareholders with respect to management issues. </FONT></P>

<P><FONT SIZE=2><I>Our issuance of additional shares of Common Stock could dilute or depress the value of your shares of our Common Stock.  </I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation's Articles of Incorporation authorize the issuance of up to 10&nbsp;million shares of Common Stock. The issuance of additional stock within
these limits may not require prior shareholder approval. Sales of additional shares of stock, or the perception that shares may be sold, could negatively affect the market price of the Corporation's
stock. The issuance of additional shares could also dilute the percentage ownership interest and corresponding voting power of the prior shareholders. </FONT></P>

<P><FONT SIZE=2><I>Regulatory restrictions may affect our ability to pay dividends.  </I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our ability to pay dividends to our shareholders is also subject to and limited by certain legal and regulatory restrictions. </FONT></P>

<P><FONT SIZE=2><I>The trading market for our Common Stock is not active.  </I></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There is a limited public market for the Common Stock of the Corporation. We cannot assure you that a more liquid or active trading market will develop. In a less
active market, you may not be able to sell your shares when you would like to sell them. </FONT></P>

<P><FONT SIZE=2><I>Anti-takeover provisions in our articles of incorporation and bylaws and certain provisions of Pennsylvania law may discourage or prevent a takeover of our company
and result in a lower market price for our Common Stock.  </I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our articles of incorporation and bylaws contain certain provisions that enhance the ability of our Board of Directors to deal with attempts to acquire control of
our company. In addition, Pennsylvania law contains certain anti-takeover provisions that apply to us. While these provisions may provide us with flexibility in managing our business, they
could discourage or make a merger, tender offer or proxy contest more difficult, even though certain shareholders may wish to participate in the transaction. These provisions could also potentially
adversely affect the market price of the Common Stock. </FONT></P>

<P><FONT SIZE=2><I>Our future success is dependent on our ability to compete effectively in the highly competitive banking industry.  </I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We face substantial competition in all phases of our operations from a variety of different competitors. Our future growth and success will depend on our ability
to compete effectively in this highly competitive environment. We compete for loans, deposits and other financial services in our geographic market with other commercial banks, savings and loan
associations, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking firms and various other non-bank competitors. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>1</FONT></P>

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<P><FONT SIZE=2><I>Changes in the law and regulations may affect our ability to do business, our costs, and our profits.  </I></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We are subject to extensive state and federal supervision and regulation. These laws and regulations are intended to protect depositors, not shareholders. Any
change in applicable laws or regulations may have a material effect on our business and prospects. We cannot predict the nature or the extent of the effect on our business or earnings that monetary
policies, economic control, or new federal or state regulations may have in the future. </FONT></P>

<P><FONT SIZE=2><I>Changes in interest rates could make us less profitable.  </I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our profitability is dependent to a large extent on our net interest income. Net interest income is the difference between interest income on interest-earning
assets and interest expense on interest-bearing liabilities. Like most financial institutions, we are affected by changes in general interest rate levels, which are currently at low levels, and by
other economic factors beyond our control. In addition, interest rate risks can result from mismatches between the dollar amount of repricing or maturing assets and liabilities and is measured in
terms of the ratio of the interest rate sensitivity gap to total assets. Although our management believes it has implemented strategies to reduce the potential effects of changes in interest rates on
our results of operations, any substantial and prolonged change in market interest rates could adversely affect our operating results. </FONT></P>

<P><FONT SIZE=2><I>Our allowance for loan losses may prove to be insufficient to absorb potential losses in our loan portfolio.  </I></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lending money is a substantial part of our business. However, every loan we make carries a certain risk of non-payment. We cannot assure you that our
allowance for loan losses will be sufficient to absorb actual loan losses. We also cannot assure you that we will not experience significant losses in our loan portfolios that may require significant
increases to the allowance for loan losses in the future. Although we evaluate every loan that we make against our underwriting criteria, we may experience losses by reasons of factors beyond our
control. Some of these factors include changes in market conditions affecting the value of real estate and unexpected problems affecting the creditworthiness of our borrowers. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
determine the adequacy of our allowance of loan losses on an ongoing basis by considering various factors, including: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>An
analysis of the risk characteristics of various classifications of loans;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>Previous
loan loss experience;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>Specific
loans that would have loan loss potential;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>Delinquency
trends;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>Estimated
fair value of the underlying collateral;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>Current
economic conditions;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>The
view of our regulators; and
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>Geographic
and industry loan concentration. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2><I>Changes in real estate values may adversely impact our loans that are secured by real estate.  </I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A significant portion of our loan portfolio consists of residential and commercial mortgages secured by real estate. These properties are concentrated in eastern
Pennsylvania. Real estate values and real estate markets generally are affected by, among other things, changes in national, regional or local economic conditions, fluctuations in interest rates and
the availability of loans to potential purchasers, changes in the tax laws and other governmental statutes, regulations and policies, and acts of nature. If real estate prices decline, particularly in
eastern Pennsylvania, the value of the real estate collateral securing the Corporation's loans could be reduced. This reduction in the value of the collateral would increase the number of
non-performing loans and could have a material negative impact on our financial performance. </FONT></P>


<P><FONT SIZE=2><I>Common Stock  </I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You do not have control or authority to direct the price or time at which Common Stock is purchased or sold for Plan Accounts. Therefore, you bear the market risk
associated with fluctuations in the price of Common Stock. The Plan Administrator will allocate shares purchased to 4 decimal places; thus, there will likely always be a partial share in your Plan
Account. This practice allows maximum investment of your dividends. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>2</FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Plan does not represent a change in the Corporation's dividend policy, which will continue to depend upon earnings, financial and regulatory requirements and other factors, and which
will be determined by the Corporation's Board of Directors from time to time. Shareholders who do not wish to participate in this Plan will continue to receive cash dividends when and as declared. The
Corporation cannot provide any assurance whether, or at what rate, the Corporation will continue to pay dividends. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>[INTENTIONALLY
LEFT BLANK] </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>3</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="de1284_the_corporation"> </A>
<A NAME="toc_de1284_2"> </A>
<BR></FONT><FONT SIZE=2><B>THE CORPORATION  <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation, a Pennsylvania business corporation, is a bank holding company registered with and supervised by the Board of Governors of the Federal Reserve
System. The Corporation was formed in 1991, as the holding company for Mid Penn Bank (the "Bank"), the Registrant's subsidiary Pennsylvania chartered commercial bank. As used herein, the "Corporation"
refers to Mid Penn Bancorp,&nbsp;Inc. and its subsidiaries. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Bank is a full-service commercial bank with trust powers and provides a wide range of banking and financial services to individuals and small to medium-sized businesses.
The principal executive offices of the Corporation are located at 349 Union Street, Millersburg, Pennsylvania 17061. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="de1284_amendment_to_the_plan"> </A>
<A NAME="toc_de1284_3"> </A>
<BR></FONT><FONT SIZE=2><B>AMENDMENT TO THE PLAN  <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation's Board of Directors amended the Plan on September&nbsp;28, 2005, to provide for registration of 300,000 shares of Common Stock issuable under
the Plan. The amendment is effective after the filing of this Registration Statement. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="de1284_explanation_of_the_amended_and__exp02658"> </A>
<A NAME="toc_de1284_4"> </A>
<BR></FONT><FONT SIZE=2><B>EXPLANATION OF THE<BR>  AMENDED AND RESTATED DIVIDEND REINVESTMENT PLAN  <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following, in a question and answer format, constitutes a summary description of the Mid Penn Bancorp,&nbsp;Inc. Amended and Restated Dividend Reinvestment
Plan (the "Plan") a complete copy of which Plan document is filed as Exhibit&nbsp;99.1 to the Registration Statement of which this Prospectus forms a part. Those holders of the Corporation's Common
Stock who do not participate in the Plan will continue to receive cash dividends by check or advance of credit to their account, if and when declared. </FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2><B>1.</B></FONT></DT><DD><FONT SIZE=2><B>What is the purpose of the Plan?</B></FONT></DD></DL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Plan provides participating record holders ("Participants") of the Corporation's Common Stock with a convenient method of investing cash dividends payable upon their Common Stock and
of making voluntary cash payments to purchase additional shares of Common Stock. To the extent that the additional shares are purchased directly from the Corporation under the Plan, the Corporation
will receive additional funds for its general corporate purposes. (See "USE OF PROCEEDS".) </FONT><FONT SIZE=2><B>Each Participant should recognize that neither the Corporation nor the Plan
Administrator (See No.&nbsp;3 below) can provide any assurance that shares purchased under the Plan will, at any particular time, be worth more or less than their purchase
price.</B></FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2><B>2.</B></FONT></DT><DD><FONT SIZE=2><B>What are the advantages of the Plan?</B></FONT><FONT SIZE=2>
<BR><BR></FONT>
<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>Participants
have cash dividends on all of the shares of Common Stock credited to their Plan Account and automatically reinvested in additional shares of Common Stock,
purchased without payment of any service charges or brokerage commissions. The Plan also provides shareholders with the opportunity to make additional voluntary cash payments, within specified limits,
to purchase additional shares of Common Stock.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>Participants
will obtain full investment use of funds, because the Plan provides for fractional shares as well as whole shares to be credited to the Participants' accounts.
Fractional shares earn dividends just like whole shares when held in the Plan Account. (See No.&nbsp;11 below.)
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>Participants
may avoid cumbersome safekeeping and record keeping costs through the free custodial and reporting services furnished by the Plan. Shares are held in "Book
Entry" form and regular statements of account are provided by the Plan Administrator. (See No.&nbsp;17 below.)
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>Participants
benefit because the Corporation pays all of the administrative costs of the Plan. (See No.&nbsp;15 below.)
<BR><BR> </B></FONT></DD></DL>
</UL>
</DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2><B>3.</B></FONT></DT><DD><FONT SIZE=2><B>Who administers the Plan for Participants?</B></FONT></DD></DL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Registrar
and Transfer Company ("R&amp;T") administers the Plan, as "Plan Administrator". In such capacity, the Plan Administrator sends periodic statements of account to Participants and
performs other administrative duties relating to the Plan. Shares purchased for a Participant under the Plan are held by the Plan Administrator and registered in its name. (See No.&nbsp;17 below.) </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>4</FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
notices, questions or other communications relating to the Plan should include the Participant's account number and tax identification number and should be addressed to: </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Registrar and Transfer Company<BR>
Attn: Dividend Reinvestment Plan Department<BR>
P.O.&nbsp;Box 664<BR>
Cranford, NJ 07016  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participants who have questions regarding the Plan also may contact the Plan Administrator at 1-800-368-5948. </FONT></P>

<P><FONT SIZE=2><B>Participation  </B></FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2><B>4.</B></FONT></DT><DD><FONT SIZE=2><B>Who is eligible to participate in the Plan?</B></FONT></DD></DL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Generally,
record holders of Common Stock of the Corporation are eligible to participate in the Plan. However, the Corporation may refuse to offer the Plan to various shareholders of the
Corporation as follows: </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1)&nbsp;&nbsp;&nbsp;&nbsp;those
who are residents of a state that may require registration, qualification or exemption of the Common Stock to be issued under the Plan, or registration or
qualification of the Corporation or any of its officers or employees as a broker, dealer, salesman or agent where the Plan Administrator determines, in its discretion, that the number of shareholders
or number of shares held does not justify the expense of registration, fees, etc. in said state(s); </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2)&nbsp;&nbsp;&nbsp;&nbsp;those
whose shares are registered in the name of a nominee, such as a brokerage firm or securities depository, unless such shares are first transferred into the record
name of the beneficial owner; and </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3)&nbsp;&nbsp;&nbsp;&nbsp;those
shareholders who beneficially own five percent (5%) or more of the Corporation's outstanding Common Stock, as determined by the Plan Administrator, in its sole
discretion. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the limitations in the paragraph immediately above and without limiting the generality of this statement, Participants in the Plan may make voluntary cash payments of not less
than One Hundred Dollars ($100.00) or more than Ten Thousand Dollars ($10,000) per quarter. (See No.&nbsp;13 below.) </FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2><B>5.</B></FONT></DT><DD><FONT SIZE=2><B>How does an eligible shareholder become a Participant in the Plan?</B></FONT></DD></DL>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
eligible shareholder may join the Plan at any time by completing and signing the authorization form included with the Prospectus (the "Authorization Form") and returning it to the
Plan Administrator. Additional Authorization Forms may be obtained, at any time, from the Plan Administrator. A properly completed Authorization Form must be received before a dividend record date in
order for the dividends payable to shareholders of record on that date to be reinvested in the Corporation's Common Stock under the Plan. If an Authorization Form is received from a shareholder after
the record date established for a particular dividend, the reinvestment of dividends may begin with the next dividend, provided the shareholder is still a shareholder of record on the record date with
respect to the next dividend. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Historically,
dividends declared on the Common Stock have been declared and paid on a quarterly basis. The Corporation's Board of Directors reserves the right to change dividend record
and payment dates, if and when dividends are declared. </FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2><B>6.</B></FONT></DT><DD><FONT SIZE=2><B>Does a shareholder have to authorize dividend reinvestment on all shares of Common Stock to participate in the Plan?</B></FONT></DD></DL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No.
All holders of record of the Corporation's Common Stock are eligible to participate in the Plan, except as discussed in No.&nbsp;4 above. To participate in the Plan record holders
of Common Stock may participate with respect to any or all shares of Common Stock that they hold, as long as they participate with respect to at least one share of Common Stock and arrange to have the
dividends on all such share(s) reinvested under the Plan by completing the Authorization Form and sending the form to the Plan Administrator. </FONT></P>

<P><FONT SIZE=2><B>Purchases  </B></FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2><B>7.</B></FONT></DT><DD><FONT SIZE=2><B>How are shares of Common Stock acquired under the Plan?</B></FONT></DD></DL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash
dividends payable on the Corporation's Common Stock held by persons participating in the Plan will be paid to the Plan Administrator. The dividends paid to the Plan Administrator
will not include any applicable taxes withheld by the Corporation. The Plan Administrator will pool these cash dividends together with all voluntary cash payments received and, with respect to shares
to be </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>5</FONT></P>

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<P><FONT SIZE=2>purchased
on the open market, will transfer them to an independent purchasing agent (the "Purchasing Agent"), who will be a broker-dealer registered under the Securities Exchange Act of 1934, as
amended. Aside from transferring funds to the Purchasing Agent, neither the Corporation nor the Plan Administrator shall have any influence on the manner, methods or timing of shares acquired in open
market transactions. The Purchasing Agent will use the funds to purchase shares of the Corporation's Common Stock on the open market for the Plan Accounts of the Participants. Alternatively, the Plan
Administrator will, if so directed by the Corporation, acquire shares directly from the Corporation. A combination of the foregoing methods may be used, as the Plan Administrator directs. Shares
purchased from the Corporation will be authorized but unissued shares of Common Stock. In any event, each Participant's account will be credited with a pro rata share of such purchased shares. </FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2><B>8.</B></FONT></DT><DD><FONT SIZE=2><B>When will shares of Common Stock be purchased under the Plan?</B></FONT></DD></DL>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash
dividends will be used to purchase Common Stock as soon as reasonably possible after the applicable dividend payment date, but not more than thirty (30)&nbsp;days after such date. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Voluntary
cash payments will be accepted for investment, and will be invested, only in connection with a dividend payment date. Voluntary cash contributions may vary from one dividend
date to another. Because Participants will not be credited with interest on their voluntary cash payments prior to
investment and because the Plan Administrator is prohibited from holding such voluntary cash payments for extended periods of time prior to investing them, participants are strongly encouraged to
submit their voluntary cash payments as near as possible to the applicable dividend payment date. For investment of a voluntary cash payment to occur on a particular investment date, the voluntary
cash payment must be received by the Plan Administrator within thirty (30)&nbsp;days prior to the corresponding dividend payment date, allowing adequate time for the checks or other drafts to clear
prior to the corresponding dividend payment date. Voluntary cash contributions will not be deemed to have been made by a participant or received by the Plan Administrator until the funds so
contributed are actually collected. Interest will not be paid on cash contributions. Payments received more than thirty (30)&nbsp;days prior to a dividend payment will be returned. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchases
of Common Stock in the open market may occur over one or more trading days. </FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2><B>9.</B></FONT></DT><DD><FONT SIZE=2><B>At what price will shares of Common Stock be purchased under the Plan?</B></FONT></DD></DL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
purchases of shares of Common Stock in the open market the purchase price will be the fair market value of the Common Stock as of the Investment Date. The Investment Date is the day
during a month on which a dividend is payable, and in any other month, the 15th day of such month, or in any case, if such day is not a business day on which securities are traded, then the next
following business day on which securities are traded. The purchase price of the Common Stock purchased under the Plan in the open market will be the Participant's pro rata share of the actual costs
(excluding brokerage commissions, if any) incurred by the Plan Administrator for such purchases. For shares of Common Stock purchased from the Corporation, the purchase price will be the fair market
value of the Common Stock, as of the applicable Investment Date. In the event of purchases of Common Stock from the Corporation and in the open market, the purchase price per share of Common Stock to
be charged to each Participant will be based on the weighted averages of the prices of all shares purchased. Each Participant's account will be credited with the number of whole and fractional shares
calculated to four (4)&nbsp;decimal places, equal to the amount to be invested for the Participant divided by the applicable purchase price. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Common Stock is listed on an established organized stock exchange, the fair market value will be the closing price per share for the Common Stock on such stock exchange on the
applicable date or, if no sale of the Common Stock occurred on such stock exchange on that date, the closing price per share for the Common Stock on such exchange on the next day on which a sale of
Common Stock occurred. If the Common Stock is not listed on an established exchange but is listed in the National Market System of the National Association of Securities Dealers Automated Quotation
System ("NASDAQ/NMS"), the fair market value will be the average of the highest and lowest trading prices per share for the Common Stock on the applicable date or, if no trade of the Common Stock
occurred in said National Market System on that date, the average of the highest and lowest trading prices per share for the Common Stock on the next day on which the Common Stock was traded in said
National Market System. If the Common Stock is not listed on an established stock exchange or in the NASDAQ/NMS but is quoted on a system maintained by the National Association of Securities
Dealers,&nbsp;Inc. ("NASD"), the fair market value will be the average of the closing dealer bid and asked prices per share for the Common Stock quoted on such system on the applicable date or, if
no such bid and asked prices are quoted on such system on that date, the average of the closing dealer bid and asked prices for the Common Stock quoted on such system on the most recent previous day
on which such prices were so quoted. If the Common Stock is not listed on an established stock exchange or in the NASDAQ/NMS, or quoted in a system maintained by the NASD, the fair market value will
be the </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>6</FONT></P>

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<P><FONT SIZE=2>average
of the lowest bid and highest asked prices per share for the Common Stock quoted on the applicable date by one or more brokerage firms selected by the Plan Administrator which then make a
market in the Common Stock or, in the absence of any such bid and asked prices quoted on such date, the quoted per share price (or average of the quoted per share prices, if several), whether bid or
asked, for the Common Stock reported on that date or, failing this, on the most recent previous date on which such quotes are available. </FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2><B>10.</B></FONT></DT><DD><FONT SIZE=2><B>How many shares of Common Stock will be purchased for Participants?</B></FONT></DD></DL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
number of shares purchased for each Participant will depend on the amount of dividends to be reinvested in a Participant's account, the amount of any voluntary cash payments and the
applicable purchase price of the Common Stock (See No.&nbsp;9 above). Each Participant's account will be credited with that number of shares, including any fractional interest computed to four
(4)&nbsp;decimal places, equal to the total amount to be invested divided by the applicable purchase price as described in No.&nbsp;9 above. </FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2><B>11.</B></FONT></DT><DD><FONT SIZE=2><B>Will cash dividends on shares held in a Participant's account be used to purchase additional shares under the Plan?</B></FONT></DD></DL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yes.
If and when the Corporation declares cash dividends to the record holders of shares of its Common Stock, the Plan Administrator will credit each Participant's account with such
dividends, and all such dividends will be automatically reinvested in additional shares of Common Stock, thereby compounding each Participant's investment. Fractional shares held under the Plan for a
Participant's account will receive dividends in the same way as a whole share, but in proportion to the size of the fractional share. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>7</FONT></P>

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<P><FONT SIZE=2><B>Voluntary Cash Payments  </B></FONT></P>

<P><FONT SIZE=2><B>12.&nbsp;&nbsp;&nbsp;Who is eligible to make voluntary cash payments?  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All record holders of Common Stock who elect to have dividends reinvested and who are eligible to participate, in accordance with the provisions of the Plan, may
also elect to make voluntary cash payments. </FONT></P>

<P><FONT SIZE=2><B>13.&nbsp;&nbsp;&nbsp;What are the limitations on voluntary cash payments?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participants are strongly encouraged to submit any voluntary cash payments as near as possible to the applicable dividend payment date (See No.&nbsp;8 above).
Voluntary cash payments received too early or too late will be returned to participants. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Voluntary
cash payments may not be less than One Hundred Dollars ($100.00) or more than Ten Thousand Dollars ($10,000) per quarter. The Corporation reserves the right, in its sole
discretion, to determine whether voluntary cash payments are made on behalf of an eligible participant. </FONT></P>

<P><FONT SIZE=2><B>14.&nbsp;&nbsp;&nbsp;How does the voluntary cash payment option work?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A voluntary cash payment may be made by enclosing a personal check with the executed Authorization Form (for new participants) or by forwarding a personal check
to the Plan Administrator with a payment form that will accompany each statement of account. Personal checks should be made payable to "Registrar and Transfer Company" and should include the
Participant's account number and taxpayer identification number. Additional payment forms may be obtained from the Plan
Administrator. In addition, Participants may arrange for automatic withdrawals from their checking or savings account at the Bank as a method to provide optional cash payments under the Plan. This
will allow shareholders of the Corporation to authorize the Bank to withdraw funds automatically at the appropriate time, eliminating the necessity of mailing quarterly cash contributions within the
specified time frames. The automatic withdrawal feature may be used on an ongoing basis or for periodic contributions. Participants who wish to use this feature must complete an authorization form
available upon request from the Plan Administrator. The Participant's account will be debited on the 20<SUP>th</SUP> day of the month in which the dividend is payable. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
voluntary cash payment received by the Plan Administrator within the period, described in No.&nbsp;8 and No.&nbsp;13 above, will be applied to the purchase of shares of Common
Stock on the following investment date at a price determined in accordance with the provisions of the Plan. No interest will be paid on voluntary cash payments held by the Plan Administrator prior to
the respective investment date. </FONT></P>

<P><FONT SIZE=2><B>Costs  </B></FONT></P>

<P><FONT SIZE=2><B>15.&nbsp;&nbsp;&nbsp;Are there any expenses to Participants in connection with </B></FONT><FONT SIZE=2><B><I>purchases</I></B></FONT><FONT SIZE=2><B> under the Plan?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No. Participants are not obligated to pay any brokerage commissions or other charges with respect to </FONT><FONT SIZE=2><I>purchases</I></FONT><FONT SIZE=2> of
Common Stock under the Plan. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
Participant who requests that the Plan Administrator </FONT><FONT SIZE=2><I>sell</I></FONT><FONT SIZE=2> shares of Common Stock held in the Participant's account in the Plan incurs a
$15.00 service fee and is required to pay brokerage fees, if any, incurred in connection with the sale. If a Participant pays the fee in advance when notice of sale is made, then the fee will not be
deducted from the proceeds of the sale (See No.&nbsp;19 and No.&nbsp;21 below). All other costs of administration of the Plan are paid by the Corporation. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>8</FONT></P>

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<P><FONT SIZE=2><B>Reports to Participants  </B></FONT></P>

<P><FONT SIZE=2><B>16.&nbsp;&nbsp;&nbsp;What kind of reports are sent to Participants in the Plan?  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Plan Administrator maintains a separate account for each Participant. Each Participant in the Plan receives a statement of account subsequent to each dividend
payment date describing cash dividends, the number of shares purchased, the amount of voluntary cash payments made by the Participant, the price per share and total shares accumulated under the Plan.
These statements provide a continuing record of the dates and costs of purchases on a quarterly basis and should be retained for income tax purposes. In addition, Participants receive the
Corporation's annual and quarterly reports to shareholders, notices of shareholder meetings, proxy statements, and Internal Revenue Service information for reporting dividends paid and commission
expenses paid on their behalf. </FONT></P>

<P><FONT SIZE=2><B>Certificates for Shares  </B></FONT></P>

<P><FONT SIZE=2><B>17.&nbsp;&nbsp;&nbsp;Are certificates to be issued for shares of Common Stock purchased under the Plan?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Generally not. The custodial, or "Book Entry" method of holding shares is a safekeeping feature that protects against loss, theft, or destruction of stock
certificates. It is also a more economical way for the Plan Administrator to administer the Plan. Certificates for shares purchased for a Participant's account under the Plan will not be issued unless
the Participant: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(i)</FONT></DT><DD><FONT SIZE=2>specifically
requests in writing that such certificates be issued;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(ii)</FONT></DT><DD><FONT SIZE=2>withdraws
shares from his or her Plan Account and requests that such shares be sold on his or her behalf; or
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(iii)</FONT></DT><DD><FONT SIZE=2>terminates
participation in the Plan and does not request such shares to be sold on his or her behalf. A $10.00 service fee is payable by Participants upon withdrawal or termination
from the Plan. If the fee is not paid in advance when the withdrawal or termination is requested, the fee will be deducted from the Participant's account. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2><B>Withdrawal of Shares in Plan Accounts  </B></FONT></P>

<P><FONT SIZE=2><B>18.&nbsp;&nbsp;&nbsp;How may a Participant withdraw shares purchased under the Plan?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A Participant may withdraw from participation in the Plan any or all of the whole shares of Common Stock credited to his or her account by submitting written
notification to the Plan Administrator at the address shown in No.&nbsp;3 above. Whole shares of Common Stock withdrawn from the Plan will be issued through a certificate in the name of the
Participant and dividends will no longer be reinvested. Any notice of withdrawal received from a Participant less than one business day before a dividend record date will not be effective until the
Participant's dividends paid on that date have been reinvested and the shares credited to the Participant's account. Any fractional interest withdrawn will be liquidated by the Plan Administrator on
the basis of the then current fair market value of the Common Stock and a check issued for the proceeds thereof. In no case will certificates representing a fractional interest be issued. </FONT></P>

<P><FONT SIZE=2><B>19.&nbsp;&nbsp;&nbsp;May a Participant elect to have the withdrawn shares sold?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yes. Participants may request the Plan Administrator to sell the shares withdrawn from the Plan. The request to sell received from a Participant less than one
business day before a dividend record date will not be effective until the Participant's dividends paid on that date have been reinvested and the shares credited to the Participant's account.
Participants should specify in their written notification of withdrawal if the Plan Administrator is to cause the sale of the withdrawn shares. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>9</FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Plan Administrator will direct the Purchasing Agent to execute a sale order providing for the sale of such shares, within thirty&nbsp;(30) days of receipt of the notice, and to
deliver to the Participant a check for the proceeds of the sale, less: any brokerage commissions; a $15.00 service fee; applicable withholding taxes; and transfer taxes (if any) incurred in connection
with the sale. A request for shares to be sold must be signed by all persons in whose names the account appears. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
fractional interest withdrawn will be liquidated by the Plan Administrator on the basis of the then current market value of the Common Stock and a check issued for the proceeds
thereof. In no case will certificates representing a fractional interest be issued. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participants
who withdraw all of the whole and fractional shares from their accounts will be treated as having terminated participation in the Plan and will incur a $15.00 service fee to
execute a sale order. (See No.&nbsp;21 below.) </FONT></P>

<P><FONT SIZE=2><B>Discontinuation of Dividend Reinvestment  </B></FONT></P>

<P><FONT SIZE=2><B>20.&nbsp;&nbsp;&nbsp;How does a Participant discontinue participation under the Plan?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participants may terminate their participation in the Plan at any time by sending written notice to the Plan Administrator. When a Participant terminates his or
her participation in the Plan, the Plan Administrator will deliver to the Participant a certificate for whole shares credited to the Participant's account under the Plan, and a check representing:
a)&nbsp;uninvested dividends, if any, held by the Plan Administrator for the Participant under the Plan, and; b)&nbsp;the value of any fractional share based on the then current fair market value
per share of the Corporation's Common Stock. Any notice of termination received less than one business day prior to a dividend record date will not be effective until dividends paid for such record
date have been reinvested and the shares credited to the Participant's account. There is a $10.00 service fee to terminate participation in the Plan. </FONT></P>

<P><FONT SIZE=2><B>21.&nbsp;&nbsp;&nbsp;May a Participant request shares to be sold when terminating participation?  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yes. The request should be in writing for all of the whole shares to be sold. Such a request must be signed by each person in whose name the Plan Account appears.
On receipt of the request, the Plan Administrator will direct the Purchasing Agent to proceed in the same manner as set forth in No.&nbsp;19 above. A check will be issued in lieu of the issuance of
any fractional share based on the then current
fair market value per share of the Corporation's Common Stock. Any Participant who elects to terminate his or her participation in the Plan and directs the Plan Administrator to sell the shares held
in his or her account will incur a $15.00 service fee. </FONT></P>

<P><FONT SIZE=2><B>Federal Income Tax Information  </B></FONT></P>

<P><FONT SIZE=2><B>22.&nbsp;&nbsp;&nbsp;What are the federal income tax consequences of participation in the Plan?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For federal income tax purposes, a Participant in the Plan will be treated as having received, on the dividend payment date, the full amount of dividends
allocable to such Participant, regardless of whether such dividends are actually paid in cash, withheld for the payment of taxes, or invested in additional shares of Common Stock pursuant to the Plan.
Additionally, the Participant will be deemed to have received taxable income in the amount of commissions and other brokerage expenses paid in purchasing shares on the Participant's behalf. The per
share tax basis of shares acquired for a Participant under the Plan will be the price per share reported on the periodic statement of account supplied to each Participant after each applicable
Investment Date, adjusted to include the amount of commissions and other brokerage expenses paid on behalf of the Participant, as reported in the Internal Revenue Service information referred to in
No.&nbsp;16 above. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
holding period for shares acquired pursuant to the Plan will begin on the day after the date the shares are acquired for a Participant's account. When a Participant is subject to
federal income tax </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>10</FONT></P>

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<P><FONT SIZE=2>withholding
on dividends, and when foreign Participants' taxable income under the Plan is subject to federal income tax withholding, dividends will be reinvested net of the amount of tax withheld
under applicable law. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Corporation believes that Participants will not realize any taxable income upon receipt of certificates for whole shares credited to their account, either upon the withdrawal of
shares from the Plan or upon termination of participation in the Plan. A Participant who sells or exchanges shares previously received from the Plan, or who directs the Plan Administrator to sell his
or her Plan shares, may, however, recognize gain or loss. A Participant will also likely be required to recognize gain or loss upon the receipt of a cash payment for a fractional share credited to the
Participant's account upon withdrawal of shares from the Plan. The amount of gain or loss in either case will be the difference between the amount the Participant receives for the Plan shares or
fractional share and the Participant's tax basis in such shares or fractional share. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participants
who purchase Common Stock under the Plan with voluntary cash payments should not be required to recognize income in connection with such purchases. The tax basis of shares
purchased under these circumstances will be equal to the purchase price as adjusted for the amount of commission expenses paid on behalf of the Participants. The holding period for such shares will
commence on the day after the shares are acquired. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
reinvested under the Plan by corporate shareholders may be eligible for the dividends-received deduction. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
foregoing summary is based upon an interpretation of current federal income tax laws, and assumes that dividends paid by the Corporation will be from its earnings and profits.
Participants should consult their own tax advisors to determine particular tax consequences, including state tax consequences, which may result from participation in the Plan, and any subsequent
disposal of shares acquired pursuant to the Plan. </FONT></P>

<P><FONT SIZE=2><B>Other Information  </B></FONT></P>

<P><FONT SIZE=2><B>23.&nbsp;&nbsp;&nbsp;What happens if the Corporation declares a stock dividend or a stock split?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Common Stock in a Participant's account will be adjusted to give effect to the stock dividend or stock split. In such event, the number of shares available
for issuance under the Plan shall likewise be adjusted. </FONT></P>

<P><FONT SIZE=2><B>24.&nbsp;&nbsp;&nbsp;How will the shares credited to a Participant's account be voted at a meeting of shareholders?  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participants will receive a proxy which will enable them to vote whole shares and fractional interests registered in their name and will enable them to direct the
Plan Administrator how to vote whole shares and fractional interests credited to their Plan Account. Shares held by the Plan Administrator for the account of a Participant who does not properly return
a proxy will not be voted. Participants will vote shares registered in their own names directly, or by proxy, as they have in the past. </FONT></P>

<P><FONT SIZE=2><B>25.&nbsp;&nbsp;&nbsp;What are the responsibilities and liabilities of the Corporation and the Plan Administrator?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation and the Plan Administrator shall not be liable for any act taken in good faith or for any good faith omission to act, including without
limitation, any claims of liability: (a)&nbsp;arising out of failure to terminate a Participant's account upon his or her death; (b)&nbsp;with respect to the prices at which shares of the
Corporation's Common Stock are purchased or sold, the times when or the manner in which such purchases or sales are made, the decision whether to purchase such shares of Common Stock on the open
market or from the Corporation, fluctuations in the market value of the Common Stock; and (c)&nbsp;any matters relating to the operation or management of the Plan. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>11</FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
transactions in connection with the Plan will be governed by the laws of the Commonwealth of Pennsylvania. </FONT></P>

<P><FONT SIZE=2><B>26.&nbsp;&nbsp;&nbsp;May the Plan be modified or discontinued?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yes. The Corporation, in its discretion, may modify, suspend, or terminate the Plan and will endeavor to notify Participants of any such suspension, termination,
or modification. The Corporation may terminate, for whatever reason, at any time, as it may determine, in its sole discretion, a Participant's participation in the Plan, after mailing a notice of
intention to terminate to the Participant at the address as it appears on the Plan Administrator's records. </FONT></P>

<P><FONT SIZE=2><B>27.&nbsp;&nbsp;&nbsp;May Participants pledge shares held in their account under the Plan?  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No. Shares credited to a Participant's account under the Plan may not be pledged or assigned, nor may any rights or interests under the Plan be transferred,
pledged or assigned, and any purported pledge, assignment or transfer shall be void. Participants who wish to pledge or assign their shares held under the Plan must withdraw those shares from the
Plan. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="dg1284_description_of_capital_securities"> </A>
<A NAME="toc_dg1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>DESCRIPTION OF CAPITAL SECURITIES    <BR>    </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The authorized capital stock of the Corporation consists of 10&nbsp;million shares of Common Stock, $1.00 par value, of which 3,188,856 were issued and
outstanding and 19,056 held in treasury as of September&nbsp;15, 2005. Also on September&nbsp;28, 2005 the Corporation approved the repurchase of 250,000 shares of the Corporation's issued and
outstanding stock, which, if repurchased, would then be held in treasury. </FONT></P>

<P><FONT SIZE=2><B>Common Stock  </B></FONT></P>

<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Voting Rights.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Each share of Common Stock entitles its holder to one vote on all matters upon which
shareholders have the right to vote. The holders of Common Stock are not entitled to cumulate votes in the election of directors. </FONT></P>


<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preemptive Rights.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The Corporation's Common Stock does not carry preemptive subscription rights. </FONT></P>

<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liquidation.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;In the event of liquidation, dissolution or winding up of the Corporation, the holders
of Common Stock are entitled to share ratably in all assets remaining after payment of liabilities and after payment of preferred stock shareholders with liquidation priority, if any. </FONT></P>


<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liability for Further Assessments.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The Corporation will not subject shareholders to further
assessments on their shares of Common Stock. </FONT></P>

<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sinking Fund Provision.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The Common Stock does not require that a separate capital reserve be
maintained to pay shareholders with preferential rights for their investment in the event of liquidation or redemption. </FONT></P>

<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Redemption or Conversion Rights.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The holders of Common Stock do not have a right of redemption, which
is the right to sell their shares back to the Corporation, nor do they have a right to convert their shares to other classes or series of stock, such as preferred stock. </FONT></P>

<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Each shareholder is entitled to receive dividends that may be declared by the Board of
Directors out of legally available funds. Dividends are dependent upon future earnings, financial condition, appropriate legal restrictions and other relevant factors. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>12</FONT></P>

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<P><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under the Pennsylvania Business Corporation Law, the Corporation may not pay a dividend if afterwards: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>the
Corporation would be unable to pay its debts as they become due, or
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>the
Corporation's total assets would be less than its total liabilities plus an amount needed to satisfy any preferential rights of shareholders. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
order for the Corporation to pay a cash dividend to shareholders, the Bank must first pay a dividend to the Corporation. As a result, certain legal restrictions on the the Bank's
dividend payments also affect the Corporation's ability to pay dividends. </FONT></P>


<P><FONT SIZE=2><B>Issuance of Additional Securities  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation has the flexibility to raise additional capital and to make acquisitions through the issuance of Common Stock without prior approval by the
Corporation's shareholders unless the law otherwise requires approval of a transaction. Issuance of these shares could dilute the book value per share and the voting power of the prior shareholders
because the Corporation has the right to issue new shares without first offering the shares to shareholders in proportion to their current ownership percentages. We currently have no plans for issuing
additional shares of Common Stock. </FONT></P>


<P><FONT SIZE=2><B>Anti-Takeover Provisions in Articles and Bylaws  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation's articles of incorporation and bylaws contain a number of provisions that could be considered anti-takeover in purpose and effect. </FONT></P>

<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Authorized Capital.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The anti-takeover provisions include: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>the
authorization of 10&nbsp;million shares of Common Stock, and
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>the
lack of preemptive rights for shareholders to subscribe to purchase additional shares of stock on a </FONT><FONT SIZE=2><I>pro rata</I></FONT><FONT SIZE=2> basis. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;These
provisions generally permit the Board of Directors to have as much flexibility as possible to issue additional shares, without prior shareholder approval, for proper corporate
purposes, including financing, acquisitions, stock dividends, stock splits, and employee incentive plans. However, these additional shares may also be used by the Board of Directors to deter future
attempts to gain control over the Corporation. </FONT></P>

<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Classified Board.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The bylaws of the Corporation provide for a classified or staggered board. A
classified board has the effect of moderating the pace of any change in control of the Board of Directors by extending the time required to elect a majority of the directors to at least two successive
annual meetings. However, this extension of time also tends to discourage a tender offer or takeover bid. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholders
shall elect each class in a separate election. At each following annual meeting, shareholders will elect successors to the class of directors whose term is then expiring to
hold office for a term of three years. The Board of Directors will fill vacancies which occur during the year for the remainder of the full term. </FONT></P>

<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No Cumulative Voting.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The Corporation's articles eliminate cumulative voting. Cumulative voting
entitles each shareholder to as many votes as equal the number of shares owned by him or her multiplied by the number of directors to be elected. A shareholder may cast all of these votes for one
candidate or distribute them among any two or more candidates. We believe that each director should represent and act in the interest of all shareholders and not any special group of shareholders. The
absence of cumulative voting means that a majority of the outstanding shares can elect all the members </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>13</FONT></P>

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<P><FONT SIZE=2>of
the Board of Directors. The absence of cumulative voting may make it more difficult for minority shareholders' nominees to be elected to the Board of Directors. </FONT></P>


<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Supermajority Vote for Approval of Extraordinary Transactions.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Another anti-takeover
provision is the requirement in the articles of incorporation that the affirmative vote of the holders of at least 80% of the outstanding shares must approve any merger, consolidation, dissolution or
liquidation of the Corporation or the sale of all or substantially all of its assets. However, if at least 80% of the Board of Directors has approved this type of transaction, then the holders of at
least 66<SUP>2</SUP>/<SMALL>3</SMALL>% of the outstanding shares may approve the transaction. We included these provisions to ensure that any extraordinary corporate transaction would occur only if it receives a
clear mandate from the shareholders. However, these provisions give the Corporation's directors and/or the holders of a minority of the Corporation's outstanding shares a veto power over such mergers
and consolidations unless 80% of the shareholders believe that the transaction is desirable or beneficial. </FONT></P>

<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Authorization to Consider Various Factors in Tender Offers.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Another anti-takeover
provision in the articles of incorporation enables the Board of Directors to oppose a tender offer on the basis of factors other than economic benefit to shareholders, such as: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>the
impact the acquisition of the Corporation would have on the community,
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>the
effect of the acquisition upon shareholders, employees, depositors, suppliers and customers, and
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>the
reputation and business practices of the tender offeror. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
included this provision in the articles of incorporation to permit us, as directors of the Corporation, to recognize our responsibilities to these constituent groups of the
Corporation and its subsidiaries and to the communities that they serve. Pennsylvania corporate law specifically authorizes this type of provision. </FONT></P>


<P><FONT SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Supermajority Vote for Amendment of Specified Articles.</I></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;A final anti-takeover provision
in the Corporation's articles of incorporation requires the affirmative vote of the holders of at least 80% of the outstanding shares of Common Stock for an amendment of the following provisions: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>the
voting requirements for approval of mergers,
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>the
ability of shareholders to cumulate votes in the election of directors,
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>the
ability of the Board of Directors to consider non-economic factors in opposing a tender offer, and
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>the
elimination of preemptive rights. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2><B>Anti-takeover Provisions Applicable to Registered Corporations  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pennsylvania law gives strong anti-takeover provisions to corporations that have their securities registered with the SEC under Section&nbsp;12 of
the Securities Exchange Act of 1934, known as "registered corporations." As part of the reorganization, the Corporation will be required to register its stock under Section&nbsp;12 of the 1934 Act.
These provisions are in addition to provisions contained in the Corporation's articles of incorporation and bylaws. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pennsylvania
law requires that all shareholders receive the fair value for their shares as the result of a control transaction. "Fair Value" means not less than the highest price paid
per share by a controlling person or group at any time during the 90-day period ending on and including the date of the control transaction. Alternatively, if a shareholder believes the
value of his or her shares is higher, he or she may demand an appraisal procedure to receive the fair value of the shares as the date of the control transaction, taking into account all relevant
factors which may not be reflected in the price paid </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>14</FONT></P>

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<P><FONT SIZE=2>for
the shares. "Control Transaction" means the acquisition by a person who has, or a group of persons acting in concert that has, voting power over voting shares of the Corporation that would entitle
the holders of the shares to cast at least 20% of the votes that all shareholders would be entitled to cast in an election of directors of the Corporation. After the occurrence of a control
transaction, any shareholder may, within a specified time period, make written demand on the person or group controlling at least 20% of the voting power of the shares of the Corporation for payment
in an amount equal to the fair value of each voting share as of the date on which the control transaction occurs. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;It
is a relatively common practice in corporate takeovers to pay cash to acquire controlling equity in a company and then to acquire the remaining equity interest in the Corporation by
paying the balance of the shareholders a price for their shares which is lower than the price paid to acquire control or is in a less desirable form of payment, such as securities of the purchaser
that do not have an established trading market. The Board of Directors considers these two-tier pricing tactics to be unfair to the Corporation's shareholders. By their very nature, these
tactics tend to cause concern on the part of shareholders that if they do not act promptly, they risk either being relegated to the status of minority shareholders in a controlled company or being
forced to accept a lower price for all of their shares. Thus, two-tier pricing unduly pressures shareholders into selling as many of their shares as quickly as possible, either to the
purchaser or in the open market, without having genuine opportunity to make a considered investment choice between remaining a shareholder of the Corporation or disposing of their shares. These sales
in turn facilitate the purchaser's acquisition of a sufficient interest in the Corporation to enable the purchaser to force the exchange of remaining shares for a lower price in a business
combination. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;While
the fair price provision in Pennsylvania law is designed to help assure fair treatment of all shareholders vis-&agrave;-vis other shareholders in
the event of a takeover, it is not the purpose of the fair price provision to assure that shareholders will receive a premium price for their shares in a takeover. Accordingly, the fair price
provision would not preclude the Board of Directors' opposition to any future takeover proposal which it believes not to be in the best interests of the Corporation and its shareholders, whether or
not the proposal satisfies the minimum price, form of payment and procedural requirements of the fair price provision. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Another
provision of Pennsylvania law relates to a business combination involving a registered corporation. These business combinations include the following transactions involving an
interested shareholder: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>A
merger or consolidation of the Corporation with an interested shareholder;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>A
sale, lease, exchange, mortgage, pledge, transfer or other disposition with the interested shareholder of the assets of the Corporation or its subsidiaries;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>The
issuance or transfer by the Corporation or its subsidiary of any shares of the Corporation or its subsidiary which has a total market value at least equal to 5% of the
total market value of all the Corporation's outstanding shares to an interested shareholder;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>The
adoption of any plan for the liquidation or dissolution of the Corporation proposed by, or under any agreement with, the interested shareholder;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>A
reclassification of securities or recapitalization of the Corporation or any merger or consolidation of the Corporation with any subsidiary of the Corporation or any other
transaction proposed by, or under any agreement with the interested shareholder which has the effect of increasing the interested shareholder's proportionate share of the outstanding shares of the
Corporation; or </FONT></DD></DL>
</UL>
<P ALIGN="CENTER"><FONT SIZE=2>15</FONT></P>

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<UL>
</UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>The
interested shareholder's receipt of the benefit, directly or indirectly, of any loans or other financial assistance or any tax credits or other tax advantages provided
by the Corporation. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
interested shareholder is any person that is the beneficial owner, directly or indirectly, of shares entitling that person to cast at least 20% of the votes that all shareholders
would be entitled to cast in an election of directors of the Corporation. The above definitions also apply to an interested shareholder's affiliate or associate. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under
Pennsylvania law, the Corporation shall not engage in a business combination with an interested shareholder other than: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>A
business combination approved by the Board of Directors prior to the date the interested shareholder acquires at least 20% of the shares or where the Board of Directors of
the Corporation has approved the purchase of shares by the interested shareholder;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>A
business combination approved by a majority of the votes that all shareholders would be entitled to cast not including those shares held by the interested shareholder, at
a meeting called for that purpose within three months after the interested shareholder became the beneficial owner of shares entitling it to cast at least 80% of the votes in an election of directors,
and if the business combination satisfies certain minimum conditions, which are discussed below;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>A
business combination approved by the affirmative vote of all of the shareholders of the outstanding shares;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>A
business combination approved by a majority of the votes that all shareholders would be entitled to cast not including those shares beneficially owned by the interested
shareholder at a meeting called for that purpose no earlier than five years after the interested shareholder's share acquisition date; and
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>A
business combination approved at a shareholders' meeting called for that purpose no earlier than five years after the interested shareholder's share acquisition date and
that meets certain minimum conditions, which are discussed below. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
minimum conditions discussed above generally require that the total amount of the cash and the market value of any payments other than cash, such as stock, bonds or debentures, to
the shareholders of the Corporation be at least equal to the higher of the following: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>The
highest price paid by the interested shareholder when the interested shareholder was the beneficial owner of shares entitling him to cast at least 5% of the votes in an
election of directors within the 5-year period immediately prior to the announcement date of the business combination or within the 5-year period prior to time the interested
shareholder became an interested shareholder, whichever is higher, plus interest; or
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>The
market value per common share on the announcement date of the business combination or on the share acquisition date, whichever is higher, plus interest. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pennsylvania provision relating to business combinations is designed to help assure that if, despite the Corporation's best efforts to remain independent, the Corporation is
nevertheless taken over, each shareholder will be treated fairly </FONT><FONT SIZE=2><I>vis-&agrave;-vis</I></FONT><FONT SIZE=2> every other shareholder and that
professional investors will not profit at the expense of the Corporation's long-term public shareholders. While the business combination provision is designed to help assure fair treatment
of all shareholders </FONT><FONT SIZE=2><I>vis-&agrave;-vis</I></FONT><FONT SIZE=2> other shareholders in the event of a takeover, it is not the purpose of the
business combination provision to assure that shareholders will receive premium price for their shares in a takeover. Accordingly, we believe that the business combination provision would not preclude
our opposition to any future takeover proposal which we believe not to be in the best interests of the Corporation and its shareholders, whether or not the proposal satisfied the requirements of the
business combination provision, fair price provision or both. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>16</FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subchapter&nbsp;G
of Chapter&nbsp;25 of the Pennsylvania Business Corporation Law also applies to registered corporations. Under Subchapter&nbsp;G, the acquisition of shares that
increase the shareholder's control of the Corporation above 20%, 33% or 50% of the voting power able to elect the Board of Directors cannot be voted until a majority of disinterested shareholders
approves the restoration of the voting rights of those shares in two separate votes: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>All
disinterested shares of the Corporation, and
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>All
voting shares of the Corporation. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Voting
rights which are restored by shareholder approval will lapse if any proposed control-share-acquisition which is approved is not consummated within 90&nbsp;days after shareholder
approval is obtained. Furthermore, control-shares that are not accorded voting rights or whose rights lapse will regain their voting rights on transfer to another person who is not an affiliate. If
the shares constitute control-shares for the transferee, this subchapter must be applied to that person as well. If the acquiring shareholder does not request a shareholder meeting to approve
restoration of voting rights within 30&nbsp;days of the acquisition or if voting rights are denied by the shareholders or if they lapse, the Corporation may redeem the control shares at the average
of the high and low price on the date of the notice of redemption. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subchapter&nbsp;H
of Chapter&nbsp;25 of the BCL applies to registered corporations. Under Subchapter&nbsp;H, a control person&#151;a person who owns shares with 20% or more
voting power&#151;must disgorge to the Corporation any profits from the disposition of any equity securities if the disposition occurs within 18&nbsp;months of becoming a control person, and
the securities were acquired 24&nbsp;months before to 18&nbsp;months after becoming a control person. This provision seeks to prevent speculative takeover attempts. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Finally,
Pennsylvania law grants a registered corporation the express authority to treat individual shareholders differently and therefore may take advantage of poison pills. Poison
pills generally consist of a shareholder rights plan in which a Corporation gives its shareholders the right to buy Common Stock when specified events occur, such as a merger, which decreases the
value of the acquirer's holdings and the acquirer's percentage of ownership. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
overall effect of these provisions may be to deter a future offer or other merger or acquisition proposal that a majority of the shareholders might view to be in their best interests
as the offer might include a substantial premium over the market price of the Corporation's Common Stock at that time. In addition, these provisions may have the effect of assisting the Corporation's
management in
retaining its position and placing it in a better position to resist changes that the shareholders may want to make if dissatisfied with the conduct of the Corporation's business. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="di1284_use_of_proceeds"> </A>
<A NAME="toc_di1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>USE OF PROCEEDS    <BR>    </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation does not know the number of common shares that will ultimately be purchased under the Plan or the prices at which such shares will be purchased.
To the extent that shares are purchased from the Corporation, and not in the open market, the Corporation intends to add the proceeds it receives from such sales to its general funds to be used for
general corporate purposes, including, without limitation, investments in and advances to the Corporation's subsidiaries. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="di1284_indemnification_of_directors_and_officers"> </A>
<A NAME="toc_di1284_2"> </A>
<BR></FONT><FONT SIZE=2><B>INDEMNIFICATION OF DIRECTORS AND OFFICERS    <BR>    </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pennsylvania law provides that a Pennsylvania corporation may indemnify directors, officers, employees, and agents of the Corporation against liabilities they may
incur in such capacities for any action taken or any failure to act, whether or not the Corporation would have the power to indemnify the person under any provision of law, unless such action or
failure to act is determined by a court to have constituted recklessness or willful misconduct. Pennsylvania law also permits the adoption of a </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>17</FONT></P>

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<P><FONT SIZE=2>bylaw
amendment, approved by shareholders, providing for the elimination of a director's liability for monetary damages for any action taken or any failure to take any action unless (1)&nbsp;the
director has breached or failed to perform the duties of his or her office and (2)&nbsp;the breach or failure to perform constitutes self-dealing, willful misconduct or recklessness. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
bylaws of the Corporation provide for (1)&nbsp;indemnification of directors, officers, employees, and agents of the Corporation and of its subsidiaries, and (2)&nbsp;the
elimination of a director's liability for monetary damages, to the full extent permitted by Pennsylvania law. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Directors
and officers are also insured against certain liabilities for their actions, as such, by an insurance policy obtained by the Corporation. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Insofar
as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers or persons controlling the Corporation pursuant to the
foregoing provisions, the
Corporation has been informed that, in the opinion of the Securities and Exchange Commission, such indemnification is against public policy as expressed in such Act and is therefore unenforceable. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="di1284_available_information"> </A>
<A NAME="toc_di1284_3"> </A>
<BR></FONT><FONT SIZE=2><B>AVAILABLE INFORMATION    <BR>    </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation is subject to the informational requirements of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), and in accordance therewith
files reports, proxy statements and other information with the Securities and Exchange Commission (the "Commission"). Such reports, proxy statements and other information can be inspected and copied
at the Public Reference Section of the Commission at Judicial Plaza, 450&nbsp;Fifth Street, N.W., Room&nbsp;1024, Washington, D.C., as well as the following Regional Office of the Commission: New
York Regional Office, 26&nbsp;Federal Plaza, New York, NY 10278. Copies of such materials may also be obtained from the Public Reference Section of the Commission at its Washington address, by mail
at prescribed rates. The SEC maintains a Web site that contains reports, proxy and information statements and other information regarding registrants that file electronically with the SEC. The address
of the SEC site is http://www.sec.gov. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>18</FONT></P>

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<P><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Prospectus omits certain of the information contained in the Registration Statement, and reference is hereby made to the Registration Statement and to the exhibits relating thereto
for further information with respect to the Corporation and the Common Stock offered hereby. Any statements contained herein concerning the provisions of any document are not necessarily complete, and
in each instance reference is made to the copy of such document filed as an exhibit to the Registration Statement or otherwise filed with the Commission. Each such statement is qualified in its
entirety by such reference. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
person has been authorized to give any information or to make any representation not contained in this Prospectus, and if given or made, such information or representation should not
be relied upon as having been authorized. This Prospectus does not constitute an offer to sell, or a solicitation of an offer to purchase, any of the securities to which this Prospectus relates in any
jurisdiction to or from any person to whom it is unlawful to make such an offer or solicitation in such jurisdiction. Neither delivery of this Prospectus nor any sale of securities to which this
Prospectus relates shall, under any circumstance, create any implication that there has been no change in the affairs or condition of the Corporation since the date hereof or that the information
contained herein is correct as of any time subsequent to the date hereof. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="dk1284_documents_incorporated_by_reference"> </A>
<A NAME="toc_dk1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>DOCUMENTS INCORPORATED BY REFERENCE    <BR>    </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There are hereby incorporated by reference in this Prospectus the following documents filed by the Corporation with the Commission (File
No.&nbsp;0-20141): </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(a)</FONT></DT><DD><FONT SIZE=2>Annual
Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2004;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(b)</FONT></DT><DD><FONT SIZE=2>The
Corporation's Quarterly Reports on Form&nbsp;10-Q for the quarters ended March&nbsp;31, 2005 and June&nbsp;30, 2005;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(c)</FONT></DT><DD><FONT SIZE=2>The
Corporation's Current Reports on Form&nbsp;8-K's filed on January&nbsp;27, 2005, March&nbsp;9, 2005, April&nbsp;29, 2005, July&nbsp;29, 2005,
August&nbsp;30, 2005, and October&nbsp;3, 2005.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(c)</FONT></DT><DD><FONT SIZE=2>The
description of the Company's Common Stock contained in the Corporation's Articles of Incorporation and By-laws and included in the Annual Report on
Form&nbsp;10-K for the year ended December&nbsp;31, 2001. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
reports filed by the Corporation pursuant to Section&nbsp;13(a), 13(c), 14 or 15(d) of the Exchange Act after the date of this Prospectus and prior to the termination of the
offering made hereby shall be deemed to be incorporated by reference in this Prospectus and to be a part hereof from the date of filing of such documents. Any statement contained in a document
incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this Prospectus to the extent that a statement contained herein or in any
other subsequently filed document which also is or is deemed to be incorporated by reference herein modifies or supersedes such statement. Any such statement so modified or superseded shall not be
deemed, except as so modified or superseded, to constitute a part of this Prospectus. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Corporation will provide without charge to each person to whom a copy of this Prospectus has been delivered, on the request of any such person, a copy of any or all of the documents
referred to under "DOCUMENTS INCORPORATED BY REFERENCE" that have been incorporated in the Prospectus by reference, other than exhibits to such documents. Requests for such copies should be directed
to Kevin W. Laudenslager, Mid Penn Bancorp,&nbsp;Inc., 349 Union Street, Millersburg, Pennsylvania 17061. Telephone requests may be directed to Mr.&nbsp;Laudenslager at
(717)&nbsp;692-2133. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>19</FONT></P>

<HR NOSHADE>
<P style='page-break-before:always'></p>
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<A NAME="page_dk1284_1_20"> </A>
<BR>
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="dk1284_experts"> </A>
<A NAME="toc_dk1284_2"> </A>
<BR></FONT><FONT SIZE=2><B>EXPERTS    <BR>    </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The audited consolidated financial statements and management's report on the effectiveness of internal controls over financial reporting of the Corporation
incorporated in this Prospectus and Registration Statement by reference to the Corporation's Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2004, were audited by
Parente Randolph, LLC independent certified public accountants, whose reports thereon contained in such Annual Report on Form&nbsp;10-K is incorporated herein by reference. Such
financial statements have been incorporated herein by reference in reliance upon such reports of Parente Randolph, LLC given upon the authority of such firm as experts in auditing and accounting. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
common shares of the Corporation offered hereby are not the obligation of, or guaranteed or endorsed by, any bank. They do not constitute a bank deposit and are not federally insured
or protected by the U.S. Government, the Federal Deposit Insurance Corporation, the Federal Reserve Board, the Office of the Comptroller of the Currency or any other governmental agency. Investment in
common shares of the Corporation, as with any investment in common stock, involves investment risks, including the possible loss of principal. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="dk1284_legal_opinion"> </A>
<A NAME="toc_dk1284_3"> </A>
<BR></FONT><FONT SIZE=2><B>LEGAL OPINION    <BR>    </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The legality of Common Stock covered hereby has been passed upon for the Corporation by Shumaker Williams, P.C., Special Corporate Counsel. </FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="120">
<P ALIGN="CENTER"><FONT SIZE=2>20</FONT></P>

<HR NOSHADE>
<P style='page-break-before:always'></p>
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<BR>
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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="page_dl1284_1_1"> </A> </FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="dl1284_part_ii._information_not_required_in_prospectus"> </A>
<A NAME="toc_dl1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>PART II.&nbsp;&nbsp;&nbsp;&nbsp;INFORMATION NOT REQUIRED IN PROSPECTUS    <BR>    </B></FONT></P>

<P><FONT SIZE=2><B>Item 14.&nbsp;&nbsp;&nbsp;&nbsp;Other Expenses of Issuance and Distribution*  </B></FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE WIDTH="90%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="82%"><FONT SIZE=2>Registration Fee</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>$</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>304.00</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="82%"><FONT SIZE=2>Blue Sky Fees</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>$</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>0.00</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="82%"><FONT SIZE=2>Legal Fees and Expenses</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>$</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>6,000</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="82%"><FONT SIZE=2>Printing Fees and Postage</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>$</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>3,000</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="82%"><FONT SIZE=2>Miscellaneous</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>$</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>0.00</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="82%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=2 ALIGN="RIGHT"><HR NOSHADE></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="82%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>$</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>9304.00</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2>*</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="82%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=2 ALIGN="RIGHT"><HR NOSHADE SIZE=4></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->

<HR NOSHADE ALIGN="LEFT" WIDTH="120">
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>*</FONT></DT><DD><FONT SIZE=2>Estimated.
</FONT></DD></DL>

<P><FONT SIZE=2><B>Item 15.&nbsp;&nbsp;&nbsp;&nbsp;Indemnification of Directors and Officers.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pennsylvania law provides that a Pennsylvania corporation may indemnify directors, officers, employees, and agents of the Corporation against liabilities they may
incur in such capacities for any action taken or any failure to act, whether or not the Corporation would have the power to indemnify the person under any provision of law, unless such action or
failure to act is determined by a court to have constituted recklessness or willful misconduct. Pennsylvania law also permits the adoption of a bylaw amendment, approved by shareholders, providing for
the elimination of a director's liability for monetary damages for any action taken or any failure to take any action unless (1)&nbsp;the director has breached or failed to perform the duties of his
or her office and (2)&nbsp;the breach or failure to perform constitutes self-dealing, willful misconduct or recklessness. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
bylaws of the Corporation provide for (1)&nbsp;indemnification of directors, officers, employees, and agents of the Corporation and of its subsidiaries, and (2)&nbsp;the
elimination of a director's liability for monetary damages, to the full extent permitted by Pennsylvania law. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Directors
and officers are also insured against certain liabilities for their actions, as such, by an insurance policy obtained by the Corporation. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Insofar
as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers or persons controlling the Corporation pursuant to the
foregoing provisions, the Corporation has been informed that, in the opinion of the Securities and Exchange Commission, such indemnification is against public policy as expressed in such Act and is
therefore unenforceable. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>II-1</FONT></P>

<HR NOSHADE>
<P style='page-break-before:always'></p>
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<P><FONT SIZE=2><A
NAME="page_dm1284_1_2"> </A> </FONT> <FONT SIZE=2><B>Item 16. Exhibits  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following exhibits are included in this Registration Statement. </FONT></P>

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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TH WIDTH="12%" ALIGN="LEFT"><FONT SIZE=1><B>Exhibit Number<BR> </B></FONT><HR NOSHADE></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="85%" ALIGN="LEFT"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="12%" ALIGN="RIGHT"><FONT SIZE=2>4.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="85%"><FONT SIZE=2>Articles of Incorporation of Mid Penn Bancorp,&nbsp;Inc. (Incorporated by reference to Exhibit&nbsp;3(i)&nbsp;to Registrant's Annual Report on Form&nbsp;10-K, for the year ended December&nbsp;31, 2001, and filed with the
Commission on March&nbsp;29, 2002).</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="12%" ALIGN="RIGHT"><FONT SIZE=2><BR>
4.2</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="85%"><FONT SIZE=2><BR>
Bylaws of Mid Penn Bancorp,&nbsp;Inc. (Incorporated by reference to Exhibit&nbsp;3(ii)&nbsp;to Registrant's Annual Report on Form&nbsp;10-K, for the year ended December&nbsp;31, 2001 and filed with the Commission on March&nbsp;29, 2002).</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="12%" ALIGN="RIGHT"><FONT SIZE=2><BR>
5</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="85%"><FONT SIZE=2><BR>
Opinion of Shumaker Williams, P.C., of Camp Hill, Pennsylvania, Special Counsel to Registrant re:&nbsp;Legality of securities.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="12%" ALIGN="RIGHT"><FONT SIZE=2><BR>
23.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="85%"><FONT SIZE=2><BR>
Consent of Parente Randolph, LLC, Independent Auditors.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="12%" ALIGN="RIGHT"><FONT SIZE=2><BR>
23.2</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="85%"><FONT SIZE=2><BR>
Consent of Shumaker Williams, P.C., Special Counsel to Registrant, included in Exhibit&nbsp;5.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="12%" ALIGN="RIGHT"><FONT SIZE=2><BR>
24</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="85%"><FONT SIZE=2><BR>
Power of Attorney given by the Officers and Directors of the Registrant (Included on Signature Page).</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="12%" ALIGN="RIGHT"><FONT SIZE=2><BR>
99.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="85%"><FONT SIZE=2><BR>
Mid Penn Bancorp,&nbsp;Inc. Amended and Restated Dividend Reinvestment Plan.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="12%" ALIGN="RIGHT"><FONT SIZE=2><BR>
99.2</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="85%"><FONT SIZE=2><BR>
Mid Penn Bancorp,&nbsp;Inc. Authorization Form for Amended And Restated Dividend Reinvestment Plan.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="12%" ALIGN="RIGHT"><FONT SIZE=2><BR>
99.3</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="85%"><FONT SIZE=2><BR>
Letter to Participant's in the Amended and Restated Dividend Reinvestment Plan.</FONT></TD>
</TR>
</TABLE>
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<P><FONT SIZE=2><B>Item 17. Undertakings.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The undersigned registrant hereby undertakes: </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;To
file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement: </FONT></P>

<UL>
<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(a)</FONT></DT><DD><FONT SIZE=2>To
include any prospectus required by Section&nbsp;10(a)(3) of the Securities Act of 1933, as amended;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(b)</FONT></DT><DD><FONT SIZE=2>To
reflect in the prospectus any facts or events arising after the effective date of the registration statement (or most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of
securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may
be reflected in the form of prospectus filed with the Commission pursuant to Rule&nbsp;424(b) if, in the aggregate, the changes in volume and price represent no more than 20&nbsp;percent change in
the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration statement;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(c)</FONT></DT><DD><FONT SIZE=2>To
include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to the information in the
registration statement. </FONT></DD></DL>
</UL>
</UL>
<P ALIGN="CENTER"><FONT SIZE=2>II-2</FONT></P>

<HR NOSHADE>
<P style='page-break-before:always'></p>
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<A NAME="page_dm1284_1_3"> </A>
<UL>
<UL>
</UL>
</UL>
<UL>
<UL>

<P><FONT SIZE=2>Provided,
however, that paragraphs (a)&nbsp;and (b)&nbsp;do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in
periodic reports filed by the registrant with the SEC pursuant to Section&nbsp;13 or Section&nbsp;15(d) of the Securities Exchange Act of 1934, as amended, that are incorporated by reference in
the registration statement. </FONT></P>

</UL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;&nbsp;&nbsp;That,
for the purpose of determining any liability under the Securities Act of 1933, each post-effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering of those securities at that time shall be deemed to be the initial </FONT><FONT SIZE=2><I>bona fide</I></FONT><FONT SIZE=2>
offering thereof. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;&nbsp;&nbsp;To
remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the
offering. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4)&nbsp;&nbsp;&nbsp;That,
for the purposes of determining any liability under the Securities Act of 1933, each filing of the registrant's annual report pursuant to Section&nbsp;13(a) or
Section&nbsp;15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan's annual report pursuant to section&nbsp;15(d) of the Securities Exchange
Act of 1934) that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of those
securities at that time shall be deemed to be the initial bona fide offering thereof. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>II-3</FONT></P>

<HR NOSHADE>
<P style='page-break-before:always'></p>
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<!-- TOC_END -->
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ja1284_signatures"> </A>
<A NAME="toc_ja1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>SIGNATURES  <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to believe that it meets all of the
requirements for filing on Form&nbsp;S-3 and has duly caused this the registration statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of
Millersburg, Commonwealth of Pennsylvania on October&nbsp;7, 2005. </FONT></P>

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<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2>MID PENN BANCORP,&nbsp;INC.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><BR><FONT SIZE=2>/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>ALAN W. DAKEY</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Alan W. Dakey<BR></FONT> <FONT SIZE=2><I>President</I></FONT></TD>
</TR>
</TABLE>
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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities and on the dates indicated. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ja1284_power_of_attorney"> </A>
<A NAME="toc_ja1284_2"> </A>
<BR></FONT><FONT SIZE=2><B>POWER OF ATTORNEY  <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOWN ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Alan W. Dakey and Kevin W. Laudenslager, and each of
them, his true and lawful attorney-in-fact, as agent with full power of substitution and resubstitution for him and in his name, place and stead, in any and all capacity, to
sign any or all amendments to this registration statement and to file the same, with all exhibits thereto, and other documents in connection therewith, with the Securities and Exchange Commission,
granting unto said attorney-in-fact and agents full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the
premises, as fully and to all intents and purposes as they might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or their
substitute or substitutes, may lawfully do or cause to be done by virtue hereof. </FONT></P>

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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TH WIDTH="49%" ALIGN="CENTER"><FONT SIZE=1><B>Name</B></FONT><HR NOSHADE></TH>
<TH WIDTH="2%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="22%" ALIGN="CENTER"><FONT SIZE=1><B>Capacity</B></FONT><HR NOSHADE></TH>
<TH WIDTH="2%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="24%" ALIGN="CENTER"><FONT SIZE=1><B>Date</B></FONT><HR NOSHADE></TH>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" VALIGN="CENTER"><FONT SIZE=2>/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>ALAN W. DAKEY</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Alan W. Dakey</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="22%" VALIGN="CENTER"><FONT SIZE=2>President, Chief Executive Officer and Director (principal executive officer)</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="24%" ALIGN="CENTER" VALIGN="CENTER"><FONT SIZE=2>September 28, 2005</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" VALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>KEVIN W. LAUDENSLAGER</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Kevin W. Laudenslager</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="22%" VALIGN="CENTER"><FONT SIZE=2><BR>
Treasurer (principal financial and accounting officer)</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="24%" ALIGN="CENTER" VALIGN="CENTER"><FONT SIZE=2><BR>
September 28, 2005</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" VALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>EUGENE F. SHAFFER</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Eugene F. Shaffer</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="22%" VALIGN="CENTER"><FONT SIZE=2><BR>
Chairman of the Board of Directors</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="24%" ALIGN="CENTER" VALIGN="CENTER"><FONT SIZE=2><BR>
September 28, 2005</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="49%" VALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>JERE M. COXON</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Jere M. Coxon</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="22%" VALIGN="CENTER"><FONT SIZE=2><BR>
Director</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="24%" ALIGN="CENTER" VALIGN="CENTER"><FONT SIZE=2><BR>
September 28, 2005</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="49%" VALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>DONALD E. SAUVE</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Donald E. Sauve</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="22%" VALIGN="CENTER"><FONT SIZE=2><BR>
Director</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="24%" ALIGN="CENTER" VALIGN="CENTER"><FONT SIZE=2><BR>
September 28, 2005</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="49%" VALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>A. JAMES DURICA</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> A. James Durica</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="22%" VALIGN="CENTER"><FONT SIZE=2><BR>
Director</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="24%" ALIGN="CENTER" VALIGN="CENTER"><FONT SIZE=2><BR>
September 28, 2005</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="49%" VALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>GREGORY M. KERWIN</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Gregory M. Kerwin</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="22%" VALIGN="CENTER"><FONT SIZE=2><BR>
Director</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="24%" ALIGN="CENTER" VALIGN="CENTER"><FONT SIZE=2><BR>
September 28, 2005</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="49%" VALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>THEODORE W. MOWERY</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Theodore W. Mowery</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="22%" VALIGN="CENTER"><FONT SIZE=2><BR>
Director</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="24%" ALIGN="CENTER" VALIGN="CENTER"><FONT SIZE=2><BR>
September 28, 2005</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="49%" VALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>WILLIAM G. NELSON</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> William G. Nelson</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="22%" VALIGN="CENTER"><FONT SIZE=2><BR>
Director</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="24%" ALIGN="CENTER" VALIGN="CENTER"><FONT SIZE=2><BR>
September 28, 2005</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="49%" VALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>EDWIN D. SCHLEGEL</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Edwin D. Schlegel</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="22%" VALIGN="CENTER"><FONT SIZE=2><BR>
Director</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="24%" ALIGN="CENTER" VALIGN="CENTER"><FONT SIZE=2><BR>
September 28, 2005</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="49%" VALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>GUY J. SNYDER, JR.</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Guy J. Snyder, Jr.</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="22%" VALIGN="CENTER"><FONT SIZE=2><BR>
Director</FONT></TD>
<TD WIDTH="2%" VALIGN="CENTER"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="24%" ALIGN="CENTER" VALIGN="CENTER"><FONT SIZE=2><BR>
September 28, 2005</FONT></TD>
</TR>
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<P style='page-break-before:always'></p>
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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ka1284_index_to_exhibits"> </A>
<A NAME="toc_ka1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>INDEX TO EXHIBITS    <BR>    </B></FONT></P>

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<TH WIDTH="10%" ALIGN="LEFT"><FONT SIZE=1><B>Exhibit<BR>
Index<BR>
Number<BR> </B></FONT><HR NOSHADE></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="73%" ALIGN="LEFT"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=1><B>Sequential Page<BR>
Number&nbsp;in&nbsp;Manually<BR>
Signed Original<BR> </B></FONT><HR NOSHADE></TH>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="10%" ALIGN="RIGHT"><FONT SIZE=2><BR>
4.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="73%"><FONT SIZE=2><BR>
Articles of Incorporation of Mid Penn Bancorp, Inc. (Incorporated by reference to Exhibit 3(i) to Registrant's Annual Report on Form 10-K, for the year ended December 31, 2001, and filed with the Commission on March&nbsp;29, 2002).</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="11%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
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<TD WIDTH="10%" ALIGN="RIGHT"><FONT SIZE=2><BR>
4.2</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="73%"><FONT SIZE=2><BR>
Bylaws of Mid Penn Bancorp, Inc. (Incorporated by reference to Exhibit 3(ii) to Registrant's Annual Report on Form 10-K, for the year ended December 31, 2001 and filed with the Commission on March&nbsp;29, 2002).</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="11%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="10%" ALIGN="RIGHT"><FONT SIZE=2><BR>
5</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="73%"><FONT SIZE=2><BR>
Opinion of Shumaker Williams, P.C., of Camp Hill, Pennsylvania, re: legality of securities.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2><BR>
27</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="10%" ALIGN="RIGHT"><FONT SIZE=2><BR>
23.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="73%"><FONT SIZE=2><BR>
Consent of Parente Randolph, LLC, Independent Auditors.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2><BR>
29</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="10%" ALIGN="RIGHT"><FONT SIZE=2><BR>
23.2</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="73%"><FONT SIZE=2><BR>
Consent of Shumaker Williams, P.C., included in Exhibit 5.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="11%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="10%" ALIGN="RIGHT"><FONT SIZE=2><BR>
24</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="73%"><FONT SIZE=2><BR>
Power of Attorney given by the Officers and Directors of the Registrant (Included on Signature Page).</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="11%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="10%" ALIGN="RIGHT"><FONT SIZE=2><BR>
99.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="73%"><FONT SIZE=2><BR>
Mid Penn Bancorp, Inc. Amended and Restated Dividend Reinvestment Plan.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2><BR>
31</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="10%" ALIGN="RIGHT"><FONT SIZE=2><BR>
99.2</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="73%"><FONT SIZE=2><BR>
Mid Penn Bancorp, Inc. Authorization Form for Amended and Restated Dividend Reinvestment Plan.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2><BR>
40</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="10%" ALIGN="RIGHT"><FONT SIZE=2><BR>
99.3</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="73%"><FONT SIZE=2><BR>
Letter to Participants in Amended and Restated Dividend Reinvestment Plan.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2><BR>
43</FONT></TD>
</TR>
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<BR>
<P><br><A NAME="05PHI1284_1">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_bg1284_1">TABLE OF CONTENTS</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_de1284_1">RISK FACTORS</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de1284_2">THE CORPORATION</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de1284_3">AMENDMENT TO THE PLAN</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de1284_4">EXPLANATION OF THE AMENDED AND RESTATED DIVIDEND REINVESTMENT PLAN</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_dg1284_1">DESCRIPTION OF CAPITAL SECURITIES</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_di1284_1">USE OF PROCEEDS</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_di1284_2">INDEMNIFICATION OF DIRECTORS AND OFFICERS</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_di1284_3">AVAILABLE INFORMATION</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_dk1284_1">DOCUMENTS INCORPORATED BY REFERENCE</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_dk1284_2">EXPERTS</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_dk1284_3">LEGAL OPINION</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_dl1284_1">PART II. INFORMATION NOT REQUIRED IN PROSPECTUS</A></FONT><BR>
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<FONT SIZE=2><A HREF="#toc_ja1284_1">SIGNATURES</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_ja1284_2">POWER OF ATTORNEY</A></FONT><BR>
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<FONT SIZE=2><A HREF="#toc_ka1284_1">INDEX TO EXHIBITS</A></FONT><BR>
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<DOCUMENT>
<TYPE>EX-5
<SEQUENCE>2
<FILENAME>a2163739zex-5.htm
<DESCRIPTION>EXHIBIT 5
<TEXT>
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NAME="kc1284_exhibit_5_opinion_of_shumaker___exh03689"> </A>
<A NAME="toc_kc1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>EXHIBIT 5<BR>&nbsp;&nbsp;<BR>  Opinion of Shumaker Williams, P.C.<BR>  of Camp Hill, Pennsylvania<BR>  Re: Legality of Securities    <BR>    </B></FONT></P>

<HR NOSHADE>
<P style='page-break-before:always'></p>
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<P ALIGN="CENTER"><FONT SIZE=2>October&nbsp;7,
2005 </FONT></P>

<P><FONT SIZE=2>Board
of Directors<BR>
Mid Penn Bancorp,&nbsp;Inc.<BR>
349 Union Street<BR>
Millersburg, Pennsylvania 17061 </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>RE:</FONT></DT><DD><FONT SIZE=2>Mid
Penn Bancorp,&nbsp;Inc.<BR>
Registration Statement on Form&nbsp;S-3<BR>
Our File No.&nbsp;775-97 </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>Ladies
and Gentlemen: </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
have acted as Special Corporate Counsel to Mid Penn Bancorp, Inc. a Pennsylvania business corporation (the "Corporation") in connection with its registration statement on
Form&nbsp;S-3 (the "Registration Statement") pertaining to the Corporation's Dividend Reinvestment and Stock Purchase (the "Plan") to be filed with the Securities and Exchange
Commission relating to the registration of 300,000 shares of its common stock available for issuance pursuant to the Corporation's Plan. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
connection with the foregoing, we have examined the following documents: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>The
Corporation's Articles of Incorporation, as amended;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>The
Corporation's Bylaws;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>Resolutions
adopted by the Corporation's Board of Directors on September&nbsp;28, 2005, relating to the Registration Statement, certified by the Corporate Secretary;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>The
Plan; and
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>The
Registration Statement. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
our examination, we have assumed the genuineness of all signatures, the authenticity of all documents submitted to us as originals and the conformity with the original documents of
documents submitted to us as copies. As to any facts material to our opinion, we have, to the extent that relevant facts were not independently established by us, relied on certificates of public
officials and certificates, oaths and declarations of officers or other representatives of the Corporation. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
the basis of the foregoing and in reliance thereon, it is our opinion that the Corporation's common stock, par value $1.00 per share, issuable under the Plan, when issued in
accordance with the provisions of the Plan and the Registration Statement, will be legally and validly issued, fully paid, and non-assessable. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
giving the foregoing opinion, we have assumed that the Corporation will have, at the time of the issuance of common stock under the Plan, a sufficient number of authorized shares
available for issue. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
consent to the use of this opinion as an exhibit to the Corporation's Registration Statement and to the reference to our firm appearing in the prospectus filed as part of the
Registration Statement, filed by the Corporation with the Securities and Exchange Commission, relating to the Plan, as well as to any amendments or supplements thereto. In giving this consent, we do
not admit that we come within the category of persons whose consent is required under Sections 7 or 11 of the Securities Act of 1933, as amended, or the rules and regulations thereunder. </FONT></P>

<UL>
<UL>
<UL>
<UL>
<UL>
<UL>
<UL>
<UL>
<UL>
<UL>
<UL>

<P><FONT SIZE=2>Very
truly yours,<BR>
&nbsp;&nbsp;&nbsp;<BR>
/s/ Shumaker Williams, P.C.<BR></FONT></P>

<HR NOSHADE>


<P><FONT SIZE=2><BR>
SHUMAKER WILLIAMS, P.C </FONT></P>

</UL>
</UL>
</UL>
</UL>
</UL>
</UL>
</UL>
</UL>
</UL>
</UL>
</UL>
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<FONT SIZE=2><A HREF="#toc_kc1284_1">EXHIBIT 5 Opinion of Shumaker Williams, P.C. of Camp Hill, Pennsylvania Re: Legality of Securities</A></FONT><BR>
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<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>a2163739zex-23_1.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
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<P ALIGN="RIGHT"><FONT SIZE=2><B>Exhibit 23.1  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ma1284_consent_of_independent___ma102330"> </A>
<A NAME="toc_ma1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>Consent Of Independent Registered Public Accounting Firm    <BR>    </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We hereby consent to the reference to our firm under the caption "Experts" in this Amendment No.&nbsp;1 to Registration Statement
No.&nbsp;333-39341 of Mid Penn Bancorp,&nbsp;Inc., filed with the Securities and Exchange Commission on Form&nbsp;S-3, relating to the registration of securities issuable
under the terms of the Mid Penn Bancorp,&nbsp;Inc. Amended and Restated Dividend Reinvestment Plan. We also consent to the incorporation by reference therein of our reports dated February&nbsp;9,
2005, with respect to the consolidated financial statements of Mid Penn Bancorp,&nbsp;Inc. and subsidiaries and management's assessment of the effectiveness of internal controls over financial
reporting as of December&nbsp;31, 2004, which reports are included in Mid Penn Bancorp,&nbsp;Inc.'s Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2004, filed
with the Securities and Exchange Commission. Our report on management's assessment of the effectiveness of internal control over financial reporting as of December&nbsp;31, 2004, expressed an
unqualified opinion on management's assessment of internal control over financial reporting and an adverse opinion on the effectiveness of internal control over financial reporting. </FONT></P>


<P><FONT SIZE=2>/s/
Parente Randolph, LLC </FONT></P>

<P><FONT SIZE=2>Williamsport,
Pennsylvania<BR>
October&nbsp;5, 2005 </FONT></P>

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<FONT SIZE=2><A HREF="#toc_ma1284_1">Consent Of Independent Registered Public Accounting Firm</A></FONT><BR>
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<TYPE>EX-99.1
<SEQUENCE>4
<FILENAME>a2163739zex-99_1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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<P ALIGN="RIGHT"><FONT SIZE=2><B>EXHIBIT 99.1  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="kd1284_mid_penn_bancorp,_inc._amended__mid02664"> </A>
<A NAME="toc_kd1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>Mid Penn Bancorp,&nbsp;Inc.<BR>  Amended and Restated<BR>  Dividend Reinvestment Plan    <BR>    </B></FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ke1284_mid_penn_bancorp,_inc._amended__mid02664"> </A>
<A NAME="toc_ke1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>MID PENN BANCORP,&nbsp;INC.<BR>  AMENDED AND RESTATED<BR>  DIVIDEND REINVESTMENT PLAN    <BR>    </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This constitutes the Dividend Reinvestment Plan (the "Plan") of Mid Penn Bancorp,&nbsp;Inc. (the "Corporation"). The Plan provides the Corporation's
shareholders with a simple and convenient means of acquiring additional shares of the Corporation's common stock, par value $1.00 per share (the "Common Stock"), through a simple and convenient method
of investing cash dividends and making voluntary cash contributions to the Plan. The Plan was originally approved by Mid Penn Bank's Board of Directors on March&nbsp;14, 1990, and adopted by
shareholders at the Annual Shareholders Meeting held on April&nbsp;24, 1990. The Board of Directors of the Corporation revised the Plan at Board Meetings held on June&nbsp;26, 1996,
September&nbsp;24, 1997, and September&nbsp;28, 2005 which revisions are incorporated herein. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>The Corporation and the Bank  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation is a holding company incorporated under the laws of the Commonwealth of Pennsylvania. The Corporation owns 100&nbsp;percent of the outstanding
shares of common stock of its wholly owned subsidiary, Mid Penn Bank (the "Bank"). The Bank, a Pennsylvania chartered banking institution with its principal place of business at 349 Union Street,
Millersburg, Pennsylvania, engages in full service banking, including demand, savings and time deposits, commercial, consumer and mortgage loans, and the provision of trust services. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Common Stock Under the Plan  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The stock to be issued under the Plan consists solely of 300,000 shares of the Corporation's Common Stock, which shares shall all be proportionately adjusted for
any increase or decrease in the number of shares of Common Stock issued that result from (i)&nbsp;a subdivision or consolidation of shares or any other capital adjustment, (ii)&nbsp;the payment of
a stock dividend, or (iii)&nbsp;other increase or decrease in such shares effected without receipt of consideration or payment by the Corporation. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Purpose of Plan  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The purpose of the Plan is to provide the Corporation's shareholders with a simple and convenient method of acquiring additional shares of Common Stock by
investing their cash dividends and making
voluntary cash contributions. The Corporation's shareholders who participate in the Plan are hereinafter referred to as "Participants." </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Advantage  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Plan provides the Corporation's shareholders with a simple and convenient method of acquiring additional shares of Common Stock in a manner that avoids
payment of brokerage commissions. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Administration  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Plan will be administered by Registrar and Transfer Company ("R&amp;T"), or such other administrator as the Corporation may, in its sole discretion and from time
to time, select (the "Plan Administrator"). Cash dividends payable on the Common Stock held by Plan participants are paid to the Plan Administrator. The dividends paid to the Plan Administrator do not
include applicable taxes withheld by the Corporation. The Plan Administrator pools the cash dividends with the voluntary cash payments received and, with respect to shares to be purchased on the open
market, transfers them to an independent broker (the "Purchasing Agent"). The Purchasing Agent is a broker-dealer who is unaffiliated with the Corporation and is registered under the Securities
Exchange Act of 1934, as amended. Aside from transferring funds to the Purchasing Agent, neither the Corporation nor the Plan Administrator shall have any influence on the manner, methods or timing of
shares acquired in open market transactions. The Purchasing Agent will use the funds to purchase shares of Common Stock on the open market for the Plan accounts of the Participants. Alternatively, the
Plan Administrator will, if </FONT></P>

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<P><FONT SIZE=2>so
directed by the Corporation, arrange for the acquisition of shares directly from the Corporation. Shares purchased from the Corporation will be authorized but unissued shares of Common Stock. In
any event, each Participant's account will be credited with a pro-rata share of such purchased securities. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Participation and Enrollment  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All holders of record of at least one (1)&nbsp;share of the Corporation's Common Stock are eligible to participate in the Plan except as otherwise determined,
from time to time, by the Corporation. Without
limiting the foregoing, the Corporation may refuse to offer the Plan to shareholders residing in any state that requires (i)&nbsp;the registration or qualification of the Common Stock to be issued
pursuant to the Plan, or exempt therefrom, or (ii)&nbsp;the registration or qualification of the Corporation or the Plan Administrator, or any of their respective officers or employees, as a broker,
dealer, salesman or agent. Beneficial owners of Common Stock held in nominee or "street name" must have their shares registered in their name before enrolling in the Plan. Participants may participate
with respect to any or all of the Common Stock registered in their name, as long as they participate with respect to at least one (1)&nbsp;share. Shareholders may enroll in the Plan by completing
and signing an authorization card and returning it to the Plan Administrator. Additional authorization cards may be obtained at any time by written request to the Plan Administrator. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
eligible shareholder may enroll in the Plan at any time by completing and signing an authorization form and returning it to the Plan Administrator. If the shareholder's authorization
card requesting reinvestment of dividends is received by the Plan Administrator on or before the record date established for a particular dividend, reinvestment will commence with that dividend. If an
authorization card is received from a shareholder after the record date established for a particular dividend, the reinvestment of dividends may begin with the next dividend, provided that the
shareholder is still a holder of record on the record date with respect to such next dividend. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Voluntary Cash Contributions  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any eligible shareholder of record who is enrolled in the Plan and who is eligible to participate in accordance with the provisions of the Plan may also elect to
make voluntary cash payments by enclosing a personal check drawn on a U.S. bank in U.S. currency with the executed authorization form (for new Participants) or by forwarding a personal check drawn on
a U.S. bank in U.S. currency to the Plan Administrator with a payment form that will accompany each statement of account. Checks shall be made payable to "Registrar and Transfer Company," and should
include the Participant's account number and taxpayer identification number. Participants have the option of forwarding, to the Plan Administrator, additional cash contributions of not less than $100
nor more than $10,000, per quarter, for the purchase of additional shares. While the Corporation is under no obligation to pay dividends, it presently expects to pay any dividends declared, on a
quarterly basis, in February, May, August, and November to shareholders of record on the record date established by the Corporation's Board of Directors. A Participant's cash contributions may vary
from one dividend date to another. Cash contributions are strictly voluntary and Participants are under no obligation to make any cash contributions. Participants desiring to make a cash contribution
may do so by forwarding a personal check, payable to the Plan Administrator, with a completed authorization card when enrolling in the Plan, or thereafter, with the payment form attached to each
statement of account. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Plan Administrator will apply each voluntary cash payment received from a Participant within thirty (30)&nbsp;days before a dividend payment date, together with the amount of
dividends associated with shares on which the Participant has enrolled for purposes of dividend reinvestment, to the purchase of Common Stock for the account of that Participant. Voluntary cash
contributions will not be deemed to have been made by a Participant or received by the Plan Administrator until the funds so contributed are actually collected. Interest will not be paid on cash
contributions. For this reason, Participants are strongly encouraged to mail their payments so that the payments are received by the Plan </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>2</FONT></P>

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<P><FONT SIZE=2>Administrator
immediately prior to the next dividend payment date. Payments received more than thirty (30)&nbsp;days prior to a dividend payment date will be returned. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participants
may arrange for automatic withdrawals from their checking or savings account at the Bank as a method to provide optional cash payments under the Plan. This will allow
shareholders of the Corporation to authorize the Bank to withdraw funds automatically at the appropriate time, eliminating the necessity of mailing quarterly cash contributions within the specified
time frames. The automatic withdrawal feature may be used on an ongoing basis or for periodic contributions. Participants who wish to use this feature must complete an authorization form available
upon request from the Plan Administrator. The Participant's account will be debited on the 20<SUP>th</SUP> day of the month in which the dividend is payable. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Purchases and Sales  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On each date that dividends are payable, the Corporation will pay to the Plan Administrator the dividends payable with respect to the Common Stock of the
participants, including their Plan shares. As of each Investment Date, the Plan Administrator will use the amount of the available dividends so received from the Corporation, together with voluntary
cash payments received from Participants, to purchase Common Stock for the accounts of the Participants. The Plan Administrator shall either: (i)&nbsp;purchase Common Stock from the Corporation;
(ii)&nbsp;direct the Plan Purchasing Agent to purchase the Common Stock in the open market; or (iii)&nbsp;employ a combination of the foregoing, as directed from time to time by the Corporation.
Common Stock purchased from the Corporation will be its authorized but unissued shares of Common Stock or issued, but not outstanding, shares of Common Stock. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Number of Shares Purchased  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The number of shares to be purchased for a Participant by the Purchasing Agent is dependent upon the amount of the Participant's applicable dividend and voluntary
cash contribution, the total number of shares acquired for all Participants, and the price of all shares acquired. Each Participant's account will be credited with their pro-rata share of
the number of shares of Common Stock acquired. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shares
of Common Stock to be acquired may be acquired at any time up to thirty (30)&nbsp;days following the respective dividend payment date. The Plan Administrator and/or the
Purchasing Agent may commingle each Participant's dividends and optional cash payments with those of all other Participants for purposes of acquiring shares of Common Stock. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Price  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The purchase price of Common Stock purchased from the Corporation under the Plan shall be the fair market value of the Common Stock as of the investment date. The
investment date is the day during a month on which a dividend is payable, and in any other month, the 15th day of such month, or in any case, if such day is not a business day on which securities are
traded, then the next following business day on which securities are traded. The fair market value is the closing price per share for the Common Stock on such stock exchange on the applicable date or,
if no sale of the Common Stock occurred on such stock exchange on that date, the closing price per share for the Common Stock on such exchange on the next day on which a sale of Common Stock occurred.
The purchase price of Common Stock purchased under the Plan in the open market will be the Participant's pro-rata share of the actual costs, excluding any brokerage commissions, incurred
by the Plan Administrator for such purchases. In the event of purchases of Common Stock from the Corporation and in the open market, the purchase price per share of Common Stock to be charged to each
Participant will be based upon the weighted averages of the prices of all shares purchased. Each Participant's account will be credited </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>3</FONT></P>

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<P><FONT SIZE=2>with
the number of whole and fractional shares of Common Stock, calculated to four (4)&nbsp;decimal places, equal to the amount to be invested for the Participant divided by the applicable purchase
price. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Record Date  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;"Record Date" means the date on which a person must be registered as a shareholder on the stock books of the Corporation in order to receive a dividend, as
determined by the Board of Directors of the Corporation, from time to time. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Certificates for Shares  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All shares of Common Stock purchased under the Plan will be registered in the name of the Plan Administrator or its nominee as agent for the respective
Participants. Certificates for such shares will not be issued to Participants unless so requested in writing. Certificates for any number of whole shares will be issued to a Participant within a
reasonable time after receiving a written request specifying the
number of shares of Common Stock for which a certificate is requested and signed by the Participant. Certificates for fractional shares will not be issued under any circumstances. In the event a
Participant terminates participation in the Plan, he or she will receive payment, in the manner described elsewhere herein, for the amount of fractional interests held on his or her behalf and
certificates will be issued to Participants upon withdrawal of Plan shares or upon termination of Participation in the Plan and will be registered in the name or names in which the Participant's
account is maintained. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Dividends  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As record holder of the shares held in Participants' accounts under the Plan, the Plan Administrator will receive dividends on all such shares held on each
dividend record date, will credit such dividends to Participants' accounts on the basis of whole shares and fractional interests held in each account and will automatically reinvest those dividends in
Common Stock of the Corporation as described elsewhere herein. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Costs  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All costs of administration of the Plan and service charges will be paid by the Corporation. No brokerage fees will be charged to Participants in connection with
the purchase of Common Stock. A Participant who requests that the Plan Administrator sell shares of Common Stock held in the Participant's account in the Plan will be charged the full actual cost,
including any brokerage commissions, of all shares of Common Stock sold on their behalf pursuant to the Plan, in addition to a $15.00 service fee. If the fee is paid in advance when notice of sale is
made, then the fee will not be deducted from the proceeds of the sale. Because the Administrator will sell the shares on behalf of the Plan, neither the Corporation nor any participant in the Plan has
the authority or power to control the timing or pricing of shares sold or the selection of the broker making the sales. Therefore, you will not be able to precisely time your sales through the Plan,
and will bear the market risk associated with fluctuation in the price of the Corporation's Common Stock. That is, if you send in a request to sell shares, it is possible that the market price of the
Corporation's Common Stock could go down or up before the broker sells your shares. In addition, you will not earn interest on a sales transaction. Plan Participants should also note that a Medallion
Signature Guarantee is required for sale requests of $10,000 or higher. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>4</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="page_kg1284_1_5"> </A> </FONT> <FONT SIZE=2><B>Tax Aspect  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The reinvestment of dividends does not relieve the Participant of any income tax which may be payable on such dividends. The payment by the Corporation of service
fees and brokerage commissions in connection with dividend reinvestment is considered income to the Participant and reported as such to the Internal Revenue Service. If a Participant is subject to
United States backup withholding tax on dividends, the amount of the tax to be withheld will be deducted from the amount of the dividends and only the reduced amount will be reinvested in Common
Stock. Statements of account for these Participants indicate the amount withheld. At year end, the Plan Administrator provides each Participant with summary information for tax purposes at no charge
to the Participant. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Reports to Participants  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As soon as practicable after completion of each investment on behalf of a Participant, the Plan Administrator will mail to such Participant a statement showing
(i)&nbsp;the amount of dividends, and the amount of optional cash payments applied toward such investment, (ii)&nbsp;the taxes withheld, if any, (iii)&nbsp;the net amount invested,
(iv)&nbsp;the number of shares purchased, (v)&nbsp;the average cost per share, and (vi)&nbsp;the total shares accumulated under the Plan. Each Participant will receive annually an Internal
Revenue Service Form&nbsp;1099 reporting dividend income received. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Voting Rights  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For each meeting of shareholders, the Plan Administrator will forward a proxy to each Participant and will vote the Participant's full shares and fractional
interests in accordance with the instruction received from the Participant, if any. The shares of a Participant who does not return a proxy will not be voted. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Stock Dividends, Splits and Rights  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any stock dividends or split shares distributed by the Corporation on the shares of a Participant held by the Plan Administrator will be added to his or her
account with the Plan Administrator. In the event the Corporation issues rights in connection with a rights offering, the rights will be forwarded to Participants for their disposition. Dividends,
split shares or stock rights distributed on shares of
Common Stock held by Participants outside of the Plan will be distributed in the same manner as distributions made to shareholders who do not participate in the Plan. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Withdrawal from Plan  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participation in the Plan may be terminated by a Participant at any time by giving written notice to the Plan Administrator. Participants may withdraw all or a
portion of the whole Plan shares in their Accounts by notifying the Plan Administrator in writing to that effect and specifying in the notice the number of shares to be withdrawn. Certificates for
whole shares of Common Stock so withdrawn will be registered in the name of the Participant and issued to the Participant within thirty (30)&nbsp;days of the Plan Administrator's receipt of notice
of withdrawal. Certificates for fractional shares of Common Stock will not be issued under any circumstance. In lieu of issuing certificates for fractional shares of Common Stock, any fractional
interest withdrawn will be liquidated by the Plan Administrator on the basis of the then current market value of the Common Stock and a check issued for the proceeds thereof. Any notice of withdrawal
from an Account received less than one business day prior to a dividend record date will not be effective until dividends paid on such record date with respect to the Plan shares in the account have
been reinvested in Common Stock under the Plan and such Common Stock has been credited to the Participant's account. There is a $10.00 service fee payable by the Participant in connection with
withdrawal from the Plan. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>5</FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participants
may request the Plan Administrator to sell the shares that are withdrawn from their accounts by specifying in the notice of withdrawal, the number of shares to be sold. If a
Participant requests the sale of shares held by the Plan for the Participant, the Plan Administrator will sell such shares as the Participant's agent as soon as practicable after receipt of the
Participant's written request and will deliver to the Participant a check for the proceeds of the sale, less any brokerage commissions, the $15.00 service fee, and applicable withholding taxes and
transfer taxes incurred in connection with the sale as soon as practicable after the sale. A request for shares to be sold must be signed by each person in whose name the account appears. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Plan Administrator will use its best efforts to sell the Participant's shares on the open market within 10 business days after receipt of written instructions from the Participant to
such effect or as soon as otherwise practicable. There can be no assurances with respect to the ability of the Plan Administrator to sell the Participant's shares or the price, timing, or terms on
which a sale may be made. The Corporation and the Plan Administrator have no obligation under the Plan, and assume no responsibility, to purchase full shares credited to the Participant's Plan account
if such shares cannot be sold by the Plan Administrator. Participants should also note that a Medallion Signature Guarantee is required for sale requests of $10,000 or higher. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
Plan shares remaining in a Participant's account after withdrawal will continue to be held for the Participant by the Plan Administrator, and dividends on such shares will continue
to be reinvested under the Plan. A Participant who withdraws all of the Plan shares in his or her account will be treated as having terminated participation in the Plan. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Amendments and Termination of Plan  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation may amend, supplement, suspend, modify or terminate the Plan at any time without the approval of the Participants or the shareholders. Thirty
(30)&nbsp;days advance notice of any suspension or material amendment shall be sent to all Participants, who shall in all events have the right to withdraw from the Plan, as provided for elsewhere
herein. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Inquiries Concerning the Plan  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All inquiries concerning the Plan should be directed to: </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>Registrar
and Transfer Company<BR>
Attn: Dividend Reinvestment Plan Department<BR>
P.O.&nbsp;Box 664<BR>
Cranford, NJ 07016<BR>
1-800-368-5948<BR></FONT> <FONT SIZE=2><I>www.rtco.com</I></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Interpretation of the Plan  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Plan, the authorization form, and the Participants' accounts shall be governed by and construed in accordance with the laws of the Commonwealth of
Pennsylvania, and applicable state and federal securities laws. Any question of interpretation arising under the Plan shall be determined by the Corporation pursuant to applicable state and federal
law and the rules and regulations of all regulatory authorities, and such determination shall be final and binding upon all Participants and the Plan Administrator. The Corporation or, with its
consent, the Plan Administrator, may adopt rules and regulations from time to time to facilitate the administration of the Plan. Where used in this Plan, the plural shall include the singular and,
unless the context otherwise clearly requires, the singular shall include the plural. The captions of the various paragraphs contained in this Plan are for convenience only and shall not affect the
interpretation or meaning of the provisions of the Plan. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>6</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><B>Responsibilities of the Corporation and Plan Administrator  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither the Corporation nor the Plan Administrator will be liable for any act done in good faith or for any good faith omission to act, including, without
limitation, any claim or liability arising out of failure to terminate a Participant's account upon such Participant's death, the prices at which shares are purchased, the times when purchases or
sales are made or fluctuations in the market value of the Common Stock. The Participants must realize that neither the Corporation nor the Plan Administrator can provide any assurance of a profit or
protection against loss on any shares purchased under the Plan. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Adoption  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Plan was adopted by the Board of Directors of the Corporation on the 14th day of March, 1990, adopted by the Corporation's shareholders on April&nbsp;24,
1990, amended by a resolution of the Board of Directors on June&nbsp;26, 1996, September&nbsp;24, 1997, and September&nbsp;28, 2005. </FONT></P>

<P><FONT SIZE=2>Date:
September&nbsp;28, 2005 </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>7</FONT></P>

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<FONT SIZE=2><A HREF="#toc_kd1284_1">Mid Penn Bancorp, Inc. Amended and Restated Dividend Reinvestment Plan</A></FONT><BR>
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<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>5
<FILENAME>a2163739zex-99_2.htm
<DESCRIPTION>EXHIBIT 99.2
<TEXT>
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<P ALIGN="RIGHT"><FONT SIZE=2><B>EXHIBIT 99.2  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ki1284_mid_penn_bancorp,_inc._dividen__mid02847"> </A>
<A NAME="toc_ki1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>MID PENN BANCORP,&nbsp;INC.<BR>  DIVIDEND REINVESTMENT AND STOCK AUTHORIZATION CARD    <BR>    </B></FONT></P>

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<P style='page-break-before:always'></p>
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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ki1284_mid_penn_bancorp,_inc.___ki102395"> </A>
<A NAME="toc_ki1284_2"> </A>
<BR></FONT><FONT SIZE=2><B>MID PENN BANCORP,&nbsp;INC.<BR>  DIVIDEND REINVESTMENT ENROLLMENT FORM    <BR>    </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Please print or type all information except signatures. Questions? Call toll-free at 1-800-368-5948 from
8:00&nbsp;a.m. to 7:00&nbsp;p.m. Eastern Time, Monday through Friday. Mail your completed enrollment form to the address set forth below. </FONT></P>

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<TR VALIGN="TOP">
<TD WIDTH="31%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="66%"><FONT SIZE=2>REGISTRAR AND TRANSFER COMPANY<BR>
Dividend Reinvestment Plan Department<BR>
P.O.&nbsp;Box 664, Cranford, New Jersey 07016</FONT></TD>
</TR>
</TABLE>
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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Please sign the authorization located on this form and complete the information below only if it has changed. </FONT></P>

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<TD WIDTH="11%"><FONT SIZE=2>Name(s):</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="88%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="11%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="88%" ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="11%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="88%" ALIGN="RIGHT"><BR><HR NOSHADE></TD>
</TR>
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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TD WIDTH="23%" VALIGN="TOP"><FONT SIZE=2>Social Security Number:</FONT></TD>
<TD WIDTH="1%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="76%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="23%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="76%" ALIGN="RIGHT" VALIGN="TOP"><HR NOSHADE></TD>
</TR>
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<TR VALIGN="BOTTOM">
<TD WIDTH="24%" VALIGN="TOP"><FONT SIZE=2>Daytime Phone Number:</FONT></TD>
<TD WIDTH="1%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="75%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="24%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="75%" ALIGN="RIGHT" VALIGN="TOP"><HR NOSHADE></TD>
</TR>
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<TD WIDTH="11%"><FONT SIZE=2>Address:</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="87%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="11%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="87%"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=3><BR><HR NOSHADE></TD>
</TR>
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<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="82%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="16%"><FONT SIZE=2>City/State/Zip:</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="82%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="82%"><HR NOSHADE></TD>
</TR>
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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Completion and return of this enrollment form authorizes your enrollment in the Mid Penn Bancorp,&nbsp;Inc. Dividend Reinvestment Plan. </FONT></P>

<P><FONT SIZE=2><B>Dividend Reinvestment Options  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You may choose to reinvest all or some of the dividends paid on Mid Penn Bancorp,&nbsp;Inc. stock registered in your name and held for you under the Plan.
Please check the appropriate box below and provide the requested information. </FONT></P>


<P><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT>&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>Full Dividend Reinvestment</B></FONT><FONT SIZE=2>&#151;Please reinvest all dividends for this account,
including dividends paid with respect to shares I purchase with optional cash payments. </FONT></P>

<P><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT>&nbsp;&nbsp;</FONT><FONT SIZE=2><B>Partial Dividend Reinvestment</B></FONT><FONT SIZE=2>&#151;Please Reinvest the
dividends on <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> (number) shares of common stock that I hold. </FONT></P>

<P><FONT SIZE=2><B>Optional Cash Payment Options  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You may elect to purchase additional shares of Mid Penn Bancorp,&nbsp;Inc. common stock pursuant to the Plan. If you wish to do so, please check the appropriate
boxes below and provide the requested information. </FONT></P>

<P><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT>&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>Optional Cash Payment(s)</B></FONT><FONT SIZE=2>&#151;In addition to the dividend reinvestment option
selected above, I wish to purchase additional shares of common stock pursuant to the Plan through the following methods (minimum $100 per quarter and maximum $10,000 per quarter) check all that apply: </FONT></P>


<P><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT>&nbsp;&nbsp;</FONT><FONT SIZE=2><B>Check Enclosed</B></FONT><FONT SIZE=2>&#151;I have enclosed
$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
personal check drawn on a U.S. bank or a U.S. bank issued official check or cashiers check payable to "Registrar&nbsp;&amp; Transfer Company," and I have included "Mid Penn Bancorp,&nbsp;Inc." in the
memo field of my check. </FONT></P>

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<P><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT>&nbsp;&nbsp;</FONT><FONT SIZE=2><B>Automatic Cash Withdraw</B></FONT><FONT SIZE=2>&#151;If this option is checked,
please complete the Automatic Cash Withdrawal and Investment Form at the bottom of this authorization card. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT SIZE=2><B>Signatures.</B></FONT><FONT SIZE=2> By signing this form, I request enrollment in the Plan, certify that I have received and read the
offering circular describing the Mid Penn Bancorp,&nbsp;Inc. Dividend Reinvestment Plan and agree to abide by the terms and conditions of the Plan. I hereby appoint Registrar&nbsp;&amp; Transfer
Company as my agent with respect to the Plan and authorize them (and any successor Plan agent) to apply dividends and any cash payments I make towards the purchase of shares of common stock of Mid
Penn Bancorp,&nbsp;Inc. under the Plan. I understand that I may revoke or change this authorization at any time by written notice to Registrar&nbsp;&amp; Transfer Company in accordance with the terms
and conditions set forth in the prospectus. ALL JOINT OWNERS MUST SIGN. </FONT></P>

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<TD WIDTH="30%" VALIGN="TOP"><FONT SIZE=2>Shareholder's Signature</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%" VALIGN="TOP"><FONT SIZE=2>Date</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="30%" VALIGN="TOP"><FONT SIZE=2>Shareholder's Signature</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%" VALIGN="TOP"><FONT SIZE=2>Date</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="30%" VALIGN="TOP"><BR></TD>
<TD WIDTH="3%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="30%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=7 ALIGN="CENTER" VALIGN="TOP"><FONT SIZE=2><B>NOT FDIC INSURED&#151;MAY LOSE VALUE&#151;NOT BANK GUARANTEED</B></FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=7 VALIGN="TOP"><HR NOSHADE></TD>
</TR>
</TABLE>
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<P ALIGN="CENTER"><FONT SIZE=3><B>AUTOMATIC CASH WITHDRAWAL AND INVESTMENT FORM  </B></FONT></P>

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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TD WIDTH="42%" VALIGN="TOP"><FONT SIZE=3><B>BANK ACCOUNT NUMBER</B></FONT></TD>
<TD WIDTH="3%" VALIGN="TOP"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="55%"><FONT SIZE=3>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="42%"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="55%"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="42%"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="55%" ALIGN="CENTER"><FONT SIZE=3><BR>
checking [&nbsp;&nbsp;&nbsp;&nbsp;]&nbsp;&nbsp;&nbsp;&nbsp;savings [&nbsp;&nbsp;&nbsp;&nbsp;]</FONT></TD>
</TR>
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<TR VALIGN="BOTTOM">
<TD WIDTH="37%" VALIGN="TOP"><FONT SIZE=3><B>Transit/Routing Number*</B></FONT></TD>
<TD WIDTH="4%" VALIGN="TOP"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="59%"><FONT SIZE=3>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="37%" VALIGN="TOP"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="TOP"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="59%"><HR NOSHADE></TD>
</TR>
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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TD WIDTH="27%" VALIGN="TOP"><FONT SIZE=3><B>Name of Bank</B></FONT></TD>
<TD WIDTH="4%" VALIGN="TOP"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="69%"><FONT SIZE=3>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="27%" VALIGN="TOP"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="TOP"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="69%"><HR NOSHADE></TD>
</TR>
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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TD WIDTH="30%" VALIGN="TOP"><FONT SIZE=3><B>Address of Bank</B></FONT></TD>
<TD WIDTH="4%" VALIGN="TOP"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="66%"><FONT SIZE=3>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="30%" VALIGN="TOP"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="TOP"><FONT SIZE=3>&nbsp;</FONT></TD>
<TD WIDTH="66%"><HR NOSHADE></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="30%" VALIGN="TOP"><FONT SIZE=3><BR>
&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="TOP"><FONT SIZE=3><BR>&nbsp;</FONT></TD>
<TD WIDTH="66%"><BR><HR NOSHADE></TD>
</TR>
</TABLE>
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<P><FONT SIZE=2>I authorize Registrar and Transfer Company to withdraw my investment payment electronically from my bank account. This authority remains in effect until I
cancel in writing. I have attached a voided check or deposit ticket. </FONT></P>

<P><FONT SIZE=2>Please
withdraw $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per investment<BR>
Please refer to Plan Prospectus/Brochure for timing and limits of investments </FONT></P>

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<TD WIDTH="21%"><FONT SIZE=2>Signature:</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="74%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="21%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="74%"><HR NOSHADE></TD>
</TR>
</TABLE>
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<TR VALIGN="TOP">
<TD WIDTH="13%"><FONT SIZE=2>Date:</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="82%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE>
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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD WIDTH="21%"><FONT SIZE=2>Signature:</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="74%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="21%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="74%"><HR NOSHADE></TD>
</TR>
</TABLE>
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<TR VALIGN="TOP">
<TD WIDTH="13%"><FONT SIZE=2>Date:</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="82%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE>
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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TD WIDTH="34%" VALIGN="TOP"><FONT SIZE=2>Daytime phone number:</FONT></TD>
<TD WIDTH="4%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="62%"><FONT SIZE=2>(&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;)</FONT><HR NOSHADE></TD>
</TR>
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<BR>
<P><br><A NAME="05PHI1284_5">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_ki1284_1">MID PENN BANCORP, INC. DIVIDEND REINVESTMENT AND STOCK AUTHORIZATION CARD</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_ki1284_2">MID PENN BANCORP, INC. DIVIDEND REINVESTMENT ENROLLMENT FORM</A></FONT><BR>

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<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>6
<FILENAME>a2163739zex-99_3.htm
<DESCRIPTION>EXHIBIT 99.3
<TEXT>
<HTML>
<HEAD>
</HEAD>
<BODY BGCOLOR="#FFFFFF" LINK=BLUE  VLINK=PURPLE>
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<P ALIGN="RIGHT"><FONT SIZE=2><B>EXHIBIT 99.3  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="kk1284_letter_to_participants_in_the_plan."> </A>
<A NAME="toc_kk1284_1"> </A>
<BR></FONT><FONT SIZE=2><B>Letter to Participants in the Plan.    <BR>    </B></FONT></P>

<HR NOSHADE>
<P style='page-break-before:always'></p>
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<P ALIGN="CENTER"><FONT SIZE=2><B>[MID PENN BANCORP,&nbsp;INC. LETTERHEAD]</B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>October&nbsp;10,
2005 </FONT></P>

<P><FONT SIZE=2>Dear
Shareholder: </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mid
Penn Bancorp,&nbsp;Inc. has revised and updated our Dividend Reinvestment Plan. We enclose the prospectus describing the revised Plan which is now in effect. While most of the
changes are administrative, we would like to point out two important changes which are: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>The
maximum amount of voluntary cash contributions has increased from $5,000 to $10,000 per quarter.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>For
those shareholders who have an automatic draft from their checking or savings account to invest in additional shares, please note that your account will be charged on
the 20<SUP>th</SUP> of the month in which the dividend is payable (February, May, August, and November). </FONT></DD></DL>
</UL>
<BR>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>The shares of Mid Penn Bancorp, Inc. common stock are not savings accounts, deposits or other obligations of any bank or savings association and are not insured
by the Federal Deposit Insurance Corporation or any other governmental agency. Further, no interest will be earned on these funds held by the agent prior to their investment. Investment in our common
stock, as with any investment in common stock, involves investment risks, including the possible loss of value.</B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
plan is administered by Registrar and Transfer Company. You may enroll in the plan by having all shareholders noted in the registration sign the enrollment card and return it to the
plan administrator. If you have any questions about the plan, please call the plan administrator at 800-368-5948. You may also call our investor relations contact, Cindy
Wetzel, at (717)&nbsp;692-2133. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Thank
you for your continued interest in and support of Mid Penn Bancorp, Inc. </FONT></P>

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<TD WIDTH="47%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="50%"><FONT SIZE=2>Sincerely,</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="50%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="50%"><FONT SIZE=2>/s/ Alan Dakey</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="50%"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="50%"><FONT SIZE=2>Alan Dakey</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="50%"><FONT SIZE=2>President and Chief Executive Officer</FONT></TD>
</TR>
</TABLE>
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<P><br><A NAME="05PHI1284_6">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_kk1284_1">Letter to Participants in the Plan.</A></FONT><BR>

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