<SUBMISSION>
<ACCESSION-NUMBER>0001135428-04-000572
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20041112
<ITEMS>2.02
<ITEMS>7.01
<FILING-DATE>20041119
<DATE-OF-FILING-DATE-CHANGE>20041119
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<COMPANY-DATA>
<CONFORMED-NAME>ACNB CORP
<CIK>0000715579
<ASSIGNED-SIC>6022
<IRS-NUMBER>232233457
<STATE-OF-INCORPORATION>PA
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-11783
<FILM-NUMBER>041156586
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>675 OLD HARRISBURG RD
<STREET2>P O BOX 3129
<CITY>GETTYSBURG
<STATE>PA
<ZIP>17325
<PHONE>7173343161
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>P O BOX 3129
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<STATE>PA
<ZIP>17325
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<FILENAME>acnb_8k.txt
<TEXT>
                UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549
                                    FORM 8-K

                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


                        Date of Report: November 12, 2004

                                ACNB CORPORATION
--------------------------------------------------------------------------------
            (Exact name of registrant's as specified in its charter)

         PENNSYLVANIA                   0-11783                  23-2233457
-------------------------------------------------------------------------------
(State or other jurisdiction       (Commission File #)       (I.R.S. Employer
 of incorporation)                                           Identification No.)

16 LINCOLN SQUARE, GETTYSBURG, PA                                17325
--------------------------------------------------------------------------------
(Address of principal executive offices)                      (Zip Code)

                                 (717) 334-3161
--------------------------------------------------------------------------------
              (Registrant's telephone number, including area code)


Item 9.  Regulation FD Disclosure

         On November 12, 2004, ACNB Corporation, holding company for Adams
County National Bank, issued a press release announcing its financial results
for the third quarter ended September 30, 2004. A copy of the press release is
attached hereto as Exhibit 99.1.


Item 12.  Results of Operations and Financial Condition

         Pursuant to interim guidance issued by the Securities and Exchange
Commission relating to Item 12 filing requirements, the Corporation has
furnished the information required by Item 12 under Item 9 herein.




<PAGE>



                                   SIGNATURES

         Pursuant to the requirements of the Securities and Exchange Act of
1934, the Registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.

                                                     ACNB Corporation



                                                     By: /s/ Thomas A. Ritter
                                                         -----------------------
                                                         Thomas A. Ritter
                                                         President/CEO


Dated:  November 12, 2004


<PAGE>



                                  EXHIBIT INDEX

Exhibit Number    Description


99.1              Earnings Press Release for the quarter ended \
                  September 30, 2004





</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ex-99.txt
<TEXT>
                                  Exhibit 99.1



FOR IMMEDIATE RELEASE                                  Contact:  Lynda L. Glass
                                                                 (717)338-2257


                                ACNB CORPORATION
                         REPORTS THIRD QUARTER EARNINGS

GETTYSBURG, Pa., November 12---ACNB Corporation reported net income of
$6,378,000 for the first three quarters of 2004, compared to $7,503,000 over the
same period of 2003. Net income on a per share basis amounted to $1.17 for the
first nine months of 2004 and was $1.38 a year ago. Dividends paid to
shareholders for the first three quarters of 2004 totaled $3,424,000, or $.63
per share.

     Total assets of ACNB Corporation on September 30, 2004, were $945
million-up 9% in comparison to September 30, 2003. Deposits increased by 4%
over a year ago to $655 million. Total loans rose by 7% to $430 million, as
compared to September 30, 2003. Equity capital at September 30, 2004, was $73.6
million, an increase of 5% from September 30, 2003.

     ACNB Corporation, headquartered in Gettysburg, PA, is the financial holding
company for Adams County National Bank. Originally founded in 1857, Adams County
National Bank serves its marketplace via a network of fifteen retail banking
offices located throughout Adams County, PA, and in Dillsburg and Hanover, York
County, PA. Farmers National Bank of Newville, a division of Adams County
National Bank, operates three retail banking offices in the Newville, Cumberland
County, PA, area.
                                      # # #

ACNB #2004-19
November 12, 2004

</TEXT>
</DOCUMENT>
</SUBMISSION>
