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    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_01492410FAC8772C3F602FBFDD2DCE12" xlink:to="lab_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_01492410FAC8772C3F602FBFDD2DCE12" xlink:type="arc" />
    <link:label id="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets_BE9F5C17EF0A96B1E4122FBFDD2DBC1C_terseLabel_en-US" xlink:label="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets_BE9F5C17EF0A96B1E4122FBFDD2DBC1C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">For Capital Adequacy Purposes, Common Tier 1 risk-based capital ratio (to risk-weighted assets), Ratio (greater than or equal to)</link:label>
    <link:label id="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets_BE9F5C17EF0A96B1E4122FBFDD2DBC1C_label_en-US" xlink:label="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets_BE9F5C17EF0A96B1E4122FBFDD2DBC1C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets</link:label>
    <link:label id="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets_BE9F5C17EF0A96B1E4122FBFDD2DBC1C_documentation_en-US" xlink:label="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets_BE9F5C17EF0A96B1E4122FBFDD2DBC1C" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The minimum Common Equity Tier One Capital Ratio (Common Equity Tier one capital divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</link:label>
    <link:loc xlink:href="acnb-20191231.xsd#acnb_CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets" xlink:label="loc_acnb_CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets_BE9F5C17EF0A96B1E4122FBFDD2DBC1C" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_acnb_CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets_BE9F5C17EF0A96B1E4122FBFDD2DBC1C" xlink:to="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets_BE9F5C17EF0A96B1E4122FBFDD2DBC1C" xlink:type="arc" />
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_251493E3A60B0FC63C932FBFDD2EB5DE_terseLabel_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_251493E3A60B0FC63C932FBFDD2EB5DE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">To be Well Capitalized under Prompt Corrective Action Provisions, Common Tier 1 risk-based capital ratio (to risk-weighted assets), Amount (greater than or equal to)</link:label>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_251493E3A60B0FC63C932FBFDD2EB5DE_label_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_251493E3A60B0FC63C932FBFDD2EB5DE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Tier One Capital Required to be Well-Capitalized</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_251493E3A60B0FC63C932FBFDD2EB5DE" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_251493E3A60B0FC63C932FBFDD2EB5DE" xlink:to="lab_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_251493E3A60B0FC63C932FBFDD2EB5DE" xlink:type="arc" />
    <link:label id="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_B6FE066CFC91475DEB922FBFDD2E2372_terseLabel_en-US" xlink:label="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_B6FE066CFC91475DEB922FBFDD2E2372" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">To be Well Capitalized under Prompt Corrective Action Provisions, Common Tier 1 risk-based capital ratio (to risk-weighted assets), Ratio (greater than or equal to)</link:label>
    <link:label id="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_B6FE066CFC91475DEB922FBFDD2E2372_label_en-US" xlink:label="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_B6FE066CFC91475DEB922FBFDD2E2372" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets</link:label>
    <link:label id="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_B6FE066CFC91475DEB922FBFDD2E2372_documentation_en-US" xlink:label="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_B6FE066CFC91475DEB922FBFDD2E2372" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The Common Equity Tier 1 capital ratio (Common Equity Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.</link:label>
    <link:loc xlink:href="acnb-20191231.xsd#acnb_CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" xlink:label="loc_acnb_CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_B6FE066CFC91475DEB922FBFDD2E2372" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_acnb_CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_B6FE066CFC91475DEB922FBFDD2E2372" xlink:to="lab_acnb_CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_B6FE066CFC91475DEB922FBFDD2E2372" xlink:type="arc" />
    <link:label id="lab_us-gaap_TierOneRiskBasedCapital_C9509A195C92F43602782FBFDD2E324C_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapital_C9509A195C92F43602782FBFDD2E324C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual, Tier 1 risk-based capital ratio (to risk-weighted assets), Amount</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapital_C9509A195C92F43602782FBFDD2E324C_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapital_C9509A195C92F43602782FBFDD2E324C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Risk Based Capital</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:label="loc_us-gaap_TierOneRiskBasedCapital_C9509A195C92F43602782FBFDD2E324C" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapital_C9509A195C92F43602782FBFDD2E324C" xlink:to="lab_us-gaap_TierOneRiskBasedCapital_C9509A195C92F43602782FBFDD2E324C" xlink:type="arc" />
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_70444091C7455074A0AD2FBFDD2EF219_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_70444091C7455074A0AD2FBFDD2EF219" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual, Tier 1 risk-based capital ratio (to risk-weighted assets), Ratio</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_70444091C7455074A0AD2FBFDD2EF219_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_70444091C7455074A0AD2FBFDD2EF219" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Risk Based Capital to Risk Weighted Assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_70444091C7455074A0AD2FBFDD2EF219" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_70444091C7455074A0AD2FBFDD2EF219" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_70444091C7455074A0AD2FBFDD2EF219" xlink:type="arc" />
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_091B5C26DA2A100FAA002FBFDD2FBEB4_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_091B5C26DA2A100FAA002FBFDD2FBEB4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">For Capital Adequacy Purposes, Tier 1 risk-based capital ratio (to risk-weighted assets), Amount (greater than or equal to)</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_091B5C26DA2A100FAA002FBFDD2FBEB4_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_091B5C26DA2A100FAA002FBFDD2FBEB4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Risk Based Capital Required for Capital Adequacy</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_091B5C26DA2A100FAA002FBFDD2FBEB4" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_091B5C26DA2A100FAA002FBFDD2FBEB4" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_091B5C26DA2A100FAA002FBFDD2FBEB4" xlink:type="arc" />
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_69E72C9C64B9567D13DD2FBFDD2FE9BA_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_69E72C9C64B9567D13DD2FBFDD2FE9BA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">For Capital Adequacy Purposes, Tier 1 risk-based capital ratio (to risk-weighted assets), Ratio (greater than or equal to)</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_69E72C9C64B9567D13DD2FBFDD2FE9BA_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_69E72C9C64B9567D13DD2FBFDD2FE9BA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_69E72C9C64B9567D13DD2FBFDD2FE9BA" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_69E72C9C64B9567D13DD2FBFDD2FE9BA" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_69E72C9C64B9567D13DD2FBFDD2FE9BA" xlink:type="arc" />
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_B4C5D9B387BC60ABD42C2FBFDD2F5141_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_B4C5D9B387BC60ABD42C2FBFDD2F5141" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">To be Well Capitalized under Prompt Corrective Action Provisions, Tier 1 risk-based capital ratio (to risk-weighted assets), Amount (greater than or equal to)</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_B4C5D9B387BC60ABD42C2FBFDD2F5141_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_B4C5D9B387BC60ABD42C2FBFDD2F5141" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Risk Based Capital Required to be Well Capitalized</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_B4C5D9B387BC60ABD42C2FBFDD2F5141" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_B4C5D9B387BC60ABD42C2FBFDD2F5141" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_B4C5D9B387BC60ABD42C2FBFDD2F5141" xlink:type="arc" />
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_056544CFF9DFD789B8FA2FBFDD2FC52E_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_056544CFF9DFD789B8FA2FBFDD2FC52E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">To be Well Capitalized under Prompt Corrective Action Provisions, Tier 1 risk-based capital ratio (to risk-weighted assets), Ratio (greater than or equal to)</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_056544CFF9DFD789B8FA2FBFDD2FC52E_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_056544CFF9DFD789B8FA2FBFDD2FC52E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_056544CFF9DFD789B8FA2FBFDD2FC52E" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_056544CFF9DFD789B8FA2FBFDD2FC52E" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_056544CFF9DFD789B8FA2FBFDD2FC52E" xlink:type="arc" />
    <link:label id="lab_us-gaap_Capital_C671F50AEDAB525B88972FBFDD30A842_terseLabel_en-US" xlink:label="lab_us-gaap_Capital_C671F50AEDAB525B88972FBFDD30A842" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual, Total risk-based capital ratio (to risk-weighted assets), Amount</link:label>
    <link:label id="lab_us-gaap_Capital_C671F50AEDAB525B88972FBFDD30A842_label_en-US" xlink:label="lab_us-gaap_Capital_C671F50AEDAB525B88972FBFDD30A842" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Capital" xlink:label="loc_us-gaap_Capital_C671F50AEDAB525B88972FBFDD30A842" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Capital_C671F50AEDAB525B88972FBFDD30A842" xlink:to="lab_us-gaap_Capital_C671F50AEDAB525B88972FBFDD30A842" xlink:type="arc" />
    <link:label id="lab_us-gaap_CapitalToRiskWeightedAssets_88BC801E8FC8BFDE844A2FBFDD30E3DD_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalToRiskWeightedAssets_88BC801E8FC8BFDE844A2FBFDD30E3DD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual, Total risk-based capital ratio (to risk-weighted assets), Ratio</link:label>
    <link:label id="lab_us-gaap_CapitalToRiskWeightedAssets_88BC801E8FC8BFDE844A2FBFDD30E3DD_label_en-US" xlink:label="lab_us-gaap_CapitalToRiskWeightedAssets_88BC801E8FC8BFDE844A2FBFDD30E3DD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital to Risk Weighted Assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets_88BC801E8FC8BFDE844A2FBFDD30E3DD" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalToRiskWeightedAssets_88BC801E8FC8BFDE844A2FBFDD30E3DD" xlink:to="lab_us-gaap_CapitalToRiskWeightedAssets_88BC801E8FC8BFDE844A2FBFDD30E3DD" xlink:type="arc" />
    <link:label id="lab_us-gaap_CapitalRequiredForCapitalAdequacy_20197749FBAD00B719852FBFDD301999_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredForCapitalAdequacy_20197749FBAD00B719852FBFDD301999" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">For Capital Adequacy Purposes, Total risk-based capital ratio (to risk-weighted assets), Amount (greater than or equal to)</link:label>
    <link:label id="lab_us-gaap_CapitalRequiredForCapitalAdequacy_20197749FBAD00B719852FBFDD301999_label_en-US" xlink:label="lab_us-gaap_CapitalRequiredForCapitalAdequacy_20197749FBAD00B719852FBFDD301999" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital Required for Capital Adequacy</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacy_20197749FBAD00B719852FBFDD301999" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalRequiredForCapitalAdequacy_20197749FBAD00B719852FBFDD301999" xlink:to="lab_us-gaap_CapitalRequiredForCapitalAdequacy_20197749FBAD00B719852FBFDD301999" xlink:type="arc" />
    <link:label id="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_A8EF63F77A025C57F7792FBFDD30DC67_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_A8EF63F77A025C57F7792FBFDD30DC67" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">For Capital Adequacy Purposes, Total risk-based capital ratio (to risk-weighted assets), Ratio (greater than or equal to)</link:label>
    <link:label id="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_A8EF63F77A025C57F7792FBFDD30DC67_label_en-US" xlink:label="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_A8EF63F77A025C57F7792FBFDD30DC67" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital Required for Capital Adequacy to Risk Weighted Assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_A8EF63F77A025C57F7792FBFDD30DC67" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_A8EF63F77A025C57F7792FBFDD30DC67" xlink:to="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_A8EF63F77A025C57F7792FBFDD30DC67" xlink:type="arc" />
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalized_5B71893B255EF6A94FF42FBFDD30A5C2_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalized_5B71893B255EF6A94FF42FBFDD30A5C2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">To be Well Capitalized under Prompt Corrective Action Provisions, Total risk-based capital ratio (to risk-weighted assets), Amount (greater than or equal to)</link:label>
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalized_5B71893B255EF6A94FF42FBFDD30A5C2_label_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalized_5B71893B255EF6A94FF42FBFDD30A5C2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital Required to be Well Capitalized</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalized_5B71893B255EF6A94FF42FBFDD30A5C2" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalRequiredToBeWellCapitalized_5B71893B255EF6A94FF42FBFDD30A5C2" xlink:to="lab_us-gaap_CapitalRequiredToBeWellCapitalized_5B71893B255EF6A94FF42FBFDD30A5C2" xlink:type="arc" />
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_69012E63250D412B23632FBFDD31CDFE_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_69012E63250D412B23632FBFDD31CDFE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">To be Well Capitalized under Prompt Corrective Action Provisions, Total risk-based capital ratio (to risk-weighted assets), Ratio (greater than or equal to)</link:label>
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_69012E63250D412B23632FBFDD31CDFE_label_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_69012E63250D412B23632FBFDD31CDFE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital Required to be Well Capitalized to Risk Weighted Assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_69012E63250D412B23632FBFDD31CDFE" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_69012E63250D412B23632FBFDD31CDFE" xlink:to="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_69012E63250D412B23632FBFDD31CDFE" xlink:type="arc" />
    <link:label id="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember_4FF279623EACC86EAB9377E34F2CA18E_terseLabel_en-US" xlink:label="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember_4FF279623EACC86EAB9377E34F2CA18E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying Amount</link:label>
    <link:label id="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember_4FF279623EACC86EAB9377E34F2CA18E_label_en-US" xlink:label="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember_4FF279623EACC86EAB9377E34F2CA18E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reported Value Measurement [Member]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_4FF279623EACC86EAB9377E34F2CA18E" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_4FF279623EACC86EAB9377E34F2CA18E" xlink:to="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember_4FF279623EACC86EAB9377E34F2CA18E" xlink:type="arc" />
    <link:label id="lab_acnb_FinancialAssetsAbstract_2102D7C4BA054A8F359377E34F2C00A0_terseLabel_en-US" xlink:label="lab_acnb_FinancialAssetsAbstract_2102D7C4BA054A8F359377E34F2C00A0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets:</link:label>
    <link:label id="lab_acnb_FinancialAssetsAbstract_2102D7C4BA054A8F359377E34F2C00A0_label_en-US" xlink:label="lab_acnb_FinancialAssetsAbstract_2102D7C4BA054A8F359377E34F2C00A0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets [Abstract]</link:label>
    <link:label id="lab_acnb_FinancialAssetsAbstract_2102D7C4BA054A8F359377E34F2C00A0_documentation_en-US" xlink:label="lab_acnb_FinancialAssetsAbstract_2102D7C4BA054A8F359377E34F2C00A0" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Assets [Abstract]</link:label>
    <link:loc xlink:href="acnb-20191231.xsd#acnb_FinancialAssetsAbstract" xlink:label="loc_acnb_FinancialAssetsAbstract_2102D7C4BA054A8F359377E34F2C00A0" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_acnb_FinancialAssetsAbstract_2102D7C4BA054A8F359377E34F2C00A0" xlink:to="lab_acnb_FinancialAssetsAbstract_2102D7C4BA054A8F359377E34F2C00A0" xlink:type="arc" />
    <link:label id="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure_778B211E35DCA84C482177E34F2C2EA3_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure_778B211E35DCA84C482177E34F2C2EA3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and due from banks</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure_778B211E35DCA84C482177E34F2C2EA3_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure_778B211E35DCA84C482177E34F2C2EA3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents, Fair Value Disclosure</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_778B211E35DCA84C482177E34F2C2EA3" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_778B211E35DCA84C482177E34F2C2EA3" xlink:to="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure_778B211E35DCA84C482177E34F2C2EA3" xlink:type="arc" />
    <link:label id="lab_us-gaap_InterestBearingDepositsInBanks_FEB2E8DE4F47CA0A1DE677E34F2CC67F_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDepositsInBanks_FEB2E8DE4F47CA0A1DE677E34F2CC67F" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing deposits in banks</link:label>
    <link:label id="lab_us-gaap_InterestBearingDepositsInBanks_FEB2E8DE4F47CA0A1DE677E34F2CC67F_label_en-US" xlink:label="lab_us-gaap_InterestBearingDepositsInBanks_FEB2E8DE4F47CA0A1DE677E34F2CC67F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-bearing Deposits in Banks and Other Financial Institutions</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:label="loc_us-gaap_InterestBearingDepositsInBanks_FEB2E8DE4F47CA0A1DE677E34F2CC67F" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDepositsInBanks_FEB2E8DE4F47CA0A1DE677E34F2CC67F" xlink:to="lab_us-gaap_InterestBearingDepositsInBanks_FEB2E8DE4F47CA0A1DE677E34F2CC67F" xlink:type="arc" />
    <link:label id="lab_us-gaap_EquitySecuritiesFvNi_5811C45891BF6C55856877E34F2CA4C6_verboseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNi_5811C45891BF6C55856877E34F2CA4C6" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Equity securities available for sale</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EquitySecuritiesFvNi" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_5811C45891BF6C55856877E34F2CA4C6" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquitySecuritiesFvNi_5811C45891BF6C55856877E34F2CA4C6" xlink:to="lab_us-gaap_EquitySecuritiesFvNi_5811C45891BF6C55856877E34F2CA4C6" xlink:type="arc" />
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities_2E0B9C1A243CC24BF48877E34F2C99BA_netLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities_2E0B9C1A243CC24BF48877E34F2C99BA" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Investment securities available for sale</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_2E0B9C1A243CC24BF48877E34F2C99BA" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_2E0B9C1A243CC24BF48877E34F2C99BA" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities_2E0B9C1A243CC24BF48877E34F2C99BA" xlink:type="arc" />
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesFairValue_4095C2F8A412FB67E5D777E34F2C58A2_verboseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesFairValue_4095C2F8A412FB67E5D777E34F2C58A2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Investment securities held to maturity</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesFairValue_4095C2F8A412FB67E5D777E34F2C58A2_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesFairValue_4095C2F8A412FB67E5D777E34F2C58A2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-maturity, Fair Value</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4095C2F8A412FB67E5D777E34F2C58A2" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4095C2F8A412FB67E5D777E34F2C58A2" xlink:to="lab_us-gaap_HeldToMaturitySecuritiesFairValue_4095C2F8A412FB67E5D777E34F2C58A2" xlink:type="arc" />
    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_0C50BE77B8A37EBDEBC477E34F2C8E45_terseLabel_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_0C50BE77B8A37EBDEBC477E34F2C8E45" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for sale</link:label>
    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_0C50BE77B8A37EBDEBC477E34F2C8E45_label_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_0C50BE77B8A37EBDEBC477E34F2C8E45" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held-for-sale, Fair Value Disclosure</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_0C50BE77B8A37EBDEBC477E34F2C8E45" xlink:type="locator" />
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    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_620C00B8669243DCF56877E34F2C4E2A_terseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure_620C00B8669243DCF56877E34F2C4E2A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, less allowance for loan losses</link:label>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_620C00B8669243DCF56877E34F2C4E2A_label_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure_620C00B8669243DCF56877E34F2C4E2A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable, Fair Value Disclosure</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_620C00B8669243DCF56877E34F2C4E2A" xlink:type="locator" />
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    <link:label id="lab_us-gaap_InterestReceivable_38B9C91CE5F5B0F490A977E34F2C2155_terseLabel_en-US" xlink:label="lab_us-gaap_InterestReceivable_38B9C91CE5F5B0F490A977E34F2C2155" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest receivable</link:label>
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    <link:label id="lab_acnb_RestrictedInvestmentInBankStocks_33650CA54C8497951C5977E34F2C3F01_terseLabel_en-US" xlink:label="lab_acnb_RestrictedInvestmentInBankStocks_33650CA54C8497951C5977E34F2C3F01" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted investment in bank stocks</link:label>
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    <link:label id="lab_acnb_RestrictedInvestmentInBankStocks_33650CA54C8497951C5977E34F2C3F01_documentation_en-US" xlink:label="lab_acnb_RestrictedInvestmentInBankStocks_33650CA54C8497951C5977E34F2C3F01" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equity interest in bank stocks.  It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</link:label>
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    <link:label id="lab_acnb_FinancialLiabilitiesAbstract_72895B95082529FAA51A77E34F3CC906_label_en-US" xlink:label="lab_acnb_FinancialLiabilitiesAbstract_72895B95082529FAA51A77E34F3CC906" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Liabilities [Abstract]</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_EAB9EE92D1D27B0A8FF52FBFE0314BCF" xlink:type="locator" />
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6B3DBE565982875688DF2FBFE031C692" xlink:type="locator" />
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    <link:label id="lab_us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_38D40D17C5FF738CA6FF2FBFE033BF58_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_38D40D17C5FF738CA6FF2FBFE033BF58" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Redemption of restricted investment in bank stocks</link:label>
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    <link:label id="lab_us-gaap_PaymentsForProceedsFromLoansAndLeases_6D306E778989BE79362B2FBFE0338814_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromLoansAndLeases_6D306E778989BE79362B2FBFE0338814" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net decrease (increase) in loans</link:label>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromLoansAndLeases_6D306E778989BE79362B2FBFE0338814_label_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromLoansAndLeases_6D306E778989BE79362B2FBFE0338814" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for (Proceeds from) Loans and Leases</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="loc_us-gaap_PaymentsForProceedsFromLoansAndLeases_6D306E778989BE79362B2FBFE0338814" xlink:type="locator" />
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    <link:label id="lab_us-gaap_PaymentsToAcquireLifeInsurancePolicies_B8D8A19E18E71A8636482FBFE034FD8A_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireLifeInsurancePolicies_B8D8A19E18E71A8636482FBFE034FD8A" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchase of bank-owned life insurance</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireLifeInsurancePolicies_B8D8A19E18E71A8636482FBFE034FD8A_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireLifeInsurancePolicies_B8D8A19E18E71A8636482FBFE034FD8A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment to Acquire Life Insurance Policy, Investing Activities</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquireLifeInsurancePolicies" xlink:label="loc_us-gaap_PaymentsToAcquireLifeInsurancePolicies_B8D8A19E18E71A8636482FBFE034FD8A" xlink:type="locator" />
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    <link:label id="lab_acnb_CashPaidForInsuranceAgencyAcquisitionsNetOfCashAcquired_002E44E320DD42BE62AF2FBFE03451BF_negatedLabel_en-US" xlink:label="lab_acnb_CashPaidForInsuranceAgencyAcquisitionsNetOfCashAcquired_002E44E320DD42BE62AF2FBFE03451BF" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Insurance book- acquisition</link:label>
    <link:label id="lab_acnb_CashPaidForInsuranceAgencyAcquisitionsNetOfCashAcquired_002E44E320DD42BE62AF2FBFE03451BF_label_en-US" xlink:label="lab_acnb_CashPaidForInsuranceAgencyAcquisitionsNetOfCashAcquired_002E44E320DD42BE62AF2FBFE03451BF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Paid For Insurance Agency Acquisitions Net Of Cash Acquired</link:label>
    <link:label id="lab_acnb_CashPaidForInsuranceAgencyAcquisitionsNetOfCashAcquired_002E44E320DD42BE62AF2FBFE03451BF_documentation_en-US" xlink:label="lab_acnb_CashPaidForInsuranceAgencyAcquisitionsNetOfCashAcquired_002E44E320DD42BE62AF2FBFE03451BF" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash paid for insurance agency acquisitions, net of cash acquired</link:label>
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    <link:label id="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_86A5A0EE2806E57466492FBFE0341494_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_86A5A0EE2806E57466492FBFE0341494" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Capital expenditures</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_86A5A0EE2806E57466492FBFE0341494_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_86A5A0EE2806E57466492FBFE0341494" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Property, Plant, and Equipment</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_86A5A0EE2806E57466492FBFE0341494" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_86A5A0EE2806E57466492FBFE0341494" xlink:to="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_86A5A0EE2806E57466492FBFE0341494" xlink:type="arc" />
    <link:label id="lab_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_7CF2D679A6C8C61B5B972FBFE0343010_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_7CF2D679A6C8C61B5B972FBFE0343010" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sale of premises and equipment</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_7CF2D679A6C8C61B5B972FBFE0343010_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_7CF2D679A6C8C61B5B972FBFE0343010" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale of Property, Plant, and Equipment</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="loc_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_7CF2D679A6C8C61B5B972FBFE0343010" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_7CF2D679A6C8C61B5B972FBFE0343010" xlink:to="lab_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_7CF2D679A6C8C61B5B972FBFE0343010" xlink:type="arc" />
    <link:label id="lab_us-gaap_ProceedsFromSaleOfForeclosedAssets_C5BA13C8568E65233FD12FBFE03579BF_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfForeclosedAssets_C5BA13C8568E65233FD12FBFE03579BF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sale of foreclosed real estate</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfForeclosedAssets_C5BA13C8568E65233FD12FBFE03579BF_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfForeclosedAssets_C5BA13C8568E65233FD12FBFE03579BF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale of Foreclosed Assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleOfForeclosedAssets" xlink:label="loc_us-gaap_ProceedsFromSaleOfForeclosedAssets_C5BA13C8568E65233FD12FBFE03579BF" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfForeclosedAssets_C5BA13C8568E65233FD12FBFE03579BF" xlink:to="lab_us-gaap_ProceedsFromSaleOfForeclosedAssets_C5BA13C8568E65233FD12FBFE03579BF" xlink:type="arc" />
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_A40FC7B715453A1E47442FBFE0353CA1_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_A40FC7B715453A1E47442FBFE0353CA1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_A40FC7B715453A1E47442FBFE0353CA1_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_A40FC7B715453A1E47442FBFE0353CA1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_A40FC7B715453A1E47442FBFE0353CA1" xlink:type="locator" />
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_2F4D672CA9FC20AF92392FBFE035458D_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_2F4D672CA9FC20AF92392FBFE035458D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CASH FLOWS FROM FINANCING ACTIVITIES</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_2F4D672CA9FC20AF92392FBFE035458D_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_2F4D672CA9FC20AF92392FBFE035458D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities [Abstract]</link:label>
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    <link:label id="lab_us-gaap_IncreaseDecreaseInDemandDeposits_A669DB86E415F5095DA02FBFE0350644_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDemandDeposits_A669DB86E415F5095DA02FBFE0350644" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net increase in demand deposits</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInDemandDeposits" xlink:label="loc_us-gaap_IncreaseDecreaseInDemandDeposits_A669DB86E415F5095DA02FBFE0350644" xlink:type="locator" />
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInTimeDeposits" xlink:label="loc_us-gaap_IncreaseDecreaseInTimeDeposits_7DAD9FDCAEBE00B56F1D2FBFE036AB73" xlink:type="locator" />
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    <link:label id="lab_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_3902B5745238A9D2ACC72FBFE03622F8_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_3902B5745238A9D2ACC72FBFE03622F8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net decrease in short-term borrowings</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_3902B5745238A9D2ACC72FBFE03622F8" xlink:type="locator" />
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    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfLongTermDebt_C458921DFD9B3B5AEAFE2FBFE036240B_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfLongTermDebt_C458921DFD9B3B5AEAFE2FBFE036240B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from long-term borrowings</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_C458921DFD9B3B5AEAFE2FBFE036240B" xlink:type="locator" />
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    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_3A530D50EB7E6977169E5DB06EBFAD5B" xlink:to="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_3A530D50EB7E6977169E5DB06EBFAD5B" xlink:type="arc" />
    <link:label id="lab_us-gaap_HeldToMaturitySecurities_102F2B95D382DB7BC0A15DB06EC000C0_terseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecurities_102F2B95D382DB7BC0A15DB06EC000C0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities held to maturity, fair value $19,281; $26,911</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="loc_us-gaap_HeldToMaturitySecurities_102F2B95D382DB7BC0A15DB06EC000C0" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HeldToMaturitySecurities_102F2B95D382DB7BC0A15DB06EC000C0" xlink:to="lab_us-gaap_HeldToMaturitySecurities_102F2B95D382DB7BC0A15DB06EC000C0" xlink:type="arc" />
    <link:label id="lab_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_6A61113539019D9CF5E65DB06EC08F6D_terseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_6A61113539019D9CF5E65DB06EC08F6D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for sale</link:label>
    <link:label id="lab_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_6A61113539019D9CF5E65DB06EC08F6D_label_en-US" xlink:label="lab_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_6A61113539019D9CF5E65DB06EC08F6D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable Held-for-sale, Net, Not Part of Disposal Group</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_6A61113539019D9CF5E65DB06EC08F6D" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_6A61113539019D9CF5E65DB06EC08F6D" xlink:to="lab_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_6A61113539019D9CF5E65DB06EC08F6D" xlink:type="arc" />
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableNetReportedAmount_88AA89AB1B8DA0F047935DB06EC002A4_terseLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableNetReportedAmount_88AA89AB1B8DA0F047935DB06EC002A4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, net of allowance for loan losses $13,835; $13,964</link:label>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableNetReportedAmount_88AA89AB1B8DA0F047935DB06EC002A4_label_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableNetReportedAmount_88AA89AB1B8DA0F047935DB06EC002A4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and Leases Receivable, Net Amount</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount_88AA89AB1B8DA0F047935DB06EC002A4" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount_88AA89AB1B8DA0F047935DB06EC002A4" xlink:to="lab_us-gaap_LoansAndLeasesReceivableNetReportedAmount_88AA89AB1B8DA0F047935DB06EC002A4" xlink:type="arc" />
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_ABDEEEE41A7A172EAC615DB06EC0373B_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet_ABDEEEE41A7A172EAC615DB06EC0373B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Premises and equipment</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_ABDEEEE41A7A172EAC615DB06EC0373B" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet_ABDEEEE41A7A172EAC615DB06EC0373B" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentNet_ABDEEEE41A7A172EAC615DB06EC0373B" xlink:type="arc" />
    <link:label id="lab_us-gaap_OperatingLeaseRightOfUseAsset_7F6D4309FC3AAAD812E45DB06EC1D845_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseRightOfUseAsset_7F6D4309FC3AAAD812E45DB06EC1D845" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Right of use assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeaseRightOfUseAsset" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_7F6D4309FC3AAAD812E45DB06EC1D845" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseRightOfUseAsset_7F6D4309FC3AAAD812E45DB06EC1D845" xlink:to="lab_us-gaap_OperatingLeaseRightOfUseAsset_7F6D4309FC3AAAD812E45DB06EC1D845" xlink:type="arc" />
    <link:label id="lab_us-gaap_BankOwnedLifeInsurance_3C1E7EEEA239D6B6A1155DB06EC12ADD_terseLabel_en-US" xlink:label="lab_us-gaap_BankOwnedLifeInsurance_3C1E7EEEA239D6B6A1155DB06EC12ADD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment in bank-owned life insurance</link:label>
    <link:label id="lab_us-gaap_BankOwnedLifeInsurance_3C1E7EEEA239D6B6A1155DB06EC12ADD_label_en-US" xlink:label="lab_us-gaap_BankOwnedLifeInsurance_3C1E7EEEA239D6B6A1155DB06EC12ADD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank Owned Life Insurance</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:label="loc_us-gaap_BankOwnedLifeInsurance_3C1E7EEEA239D6B6A1155DB06EC12ADD" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankOwnedLifeInsurance_3C1E7EEEA239D6B6A1155DB06EC12ADD" xlink:to="lab_us-gaap_BankOwnedLifeInsurance_3C1E7EEEA239D6B6A1155DB06EC12ADD" xlink:type="arc" />
    <link:label id="lab_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_60FF9E140CE458D5E19F5DB06EC1610E_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_60FF9E140CE458D5E19F5DB06EC1610E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments in low-income housing partnerships</link:label>
    <link:label id="lab_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_60FF9E140CE458D5E19F5DB06EC1610E_label_en-US" xlink:label="lab_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_60FF9E140CE458D5E19F5DB06EC1610E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_60FF9E140CE458D5E19F5DB06EC1610E" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_60FF9E140CE458D5E19F5DB06EC1610E" xlink:to="lab_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_60FF9E140CE458D5E19F5DB06EC1610E" xlink:type="arc" />
    <link:label id="lab_us-gaap_Goodwill_46FCD5361674B6AD87FE5DB06EC19BC0_terseLabel_en-US" xlink:label="lab_us-gaap_Goodwill_46FCD5361674B6AD87FE5DB06EC19BC0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:label id="lab_us-gaap_Goodwill_46FCD5361674B6AD87FE5DB06EC19BC0_label_en-US" xlink:label="lab_us-gaap_Goodwill_46FCD5361674B6AD87FE5DB06EC19BC0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill_46FCD5361674B6AD87FE5DB06EC19BC0" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Goodwill_46FCD5361674B6AD87FE5DB06EC19BC0" xlink:to="lab_us-gaap_Goodwill_46FCD5361674B6AD87FE5DB06EC19BC0" xlink:type="arc" />
    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_6F021F6F5C08D5FED78D5DB06EC16CE8_terseLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_6F021F6F5C08D5FED78D5DB06EC16CE8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_6F021F6F5C08D5FED78D5DB06EC16CE8_label_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_6F021F6F5C08D5FED78D5DB06EC16CE8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets, Net (Excluding Goodwill)</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_6F021F6F5C08D5FED78D5DB06EC16CE8" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_6F021F6F5C08D5FED78D5DB06EC16CE8" xlink:to="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_6F021F6F5C08D5FED78D5DB06EC16CE8" xlink:type="arc" />
    <link:label id="lab_us-gaap_RealEstateAcquiredThroughForeclosure_553FA5565D09DE3814DB5DB06EC2D195_terseLabel_en-US" xlink:label="lab_us-gaap_RealEstateAcquiredThroughForeclosure_553FA5565D09DE3814DB5DB06EC2D195" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreclosed assets held for resale</link:label>
    <link:label id="lab_us-gaap_RealEstateAcquiredThroughForeclosure_553FA5565D09DE3814DB5DB06EC2D195_label_en-US" xlink:label="lab_us-gaap_RealEstateAcquiredThroughForeclosure_553FA5565D09DE3814DB5DB06EC2D195" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Acquired Through Foreclosure</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RealEstateAcquiredThroughForeclosure" xlink:label="loc_us-gaap_RealEstateAcquiredThroughForeclosure_553FA5565D09DE3814DB5DB06EC2D195" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateAcquiredThroughForeclosure_553FA5565D09DE3814DB5DB06EC2D195" xlink:to="lab_us-gaap_RealEstateAcquiredThroughForeclosure_553FA5565D09DE3814DB5DB06EC2D195" xlink:type="arc" />
    <link:label id="lab_us-gaap_OtherAssets_F25D699C7CAA5144E9175DB06EC29037_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets_F25D699C7CAA5144E9175DB06EC29037" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_OtherAssets_F25D699C7CAA5144E9175DB06EC29037_label_en-US" xlink:label="lab_us-gaap_OtherAssets_F25D699C7CAA5144E9175DB06EC29037" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets_F25D699C7CAA5144E9175DB06EC29037" xlink:type="locator" />
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    <link:label id="lab_us-gaap_Assets_7C78A64D0FCEE73988355DB06EC2D4B6_totalLabel_en-US" xlink:label="lab_us-gaap_Assets_7C78A64D0FCEE73988355DB06EC2D4B6" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Assets</link:label>
    <link:label id="lab_us-gaap_Assets_7C78A64D0FCEE73988355DB06EC2D4B6_label_en-US" xlink:label="lab_us-gaap_Assets_7C78A64D0FCEE73988355DB06EC2D4B6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets_7C78A64D0FCEE73988355DB06EC2D4B6" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Assets_7C78A64D0FCEE73988355DB06EC2D4B6" xlink:to="lab_us-gaap_Assets_7C78A64D0FCEE73988355DB06EC2D4B6" xlink:type="arc" />
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_A97E80912FF03CE7800B5DB06EC2E105_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_A97E80912FF03CE7800B5DB06EC2E105" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LIABILITIES AND STOCKHOLDERS&#8217; EQUITY</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_A97E80912FF03CE7800B5DB06EC2E105_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_A97E80912FF03CE7800B5DB06EC2E105" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities and Equity [Abstract]</link:label>
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    <link:label id="lab_us-gaap_LiabilitiesAbstract_9E91DD1FA9134CFA36CE5DB06EC29C55_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAbstract_9E91DD1FA9134CFA36CE5DB06EC29C55" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LIABILITIES</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAbstract_9E91DD1FA9134CFA36CE5DB06EC29C55_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAbstract_9E91DD1FA9134CFA36CE5DB06EC29C55" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities [Abstract]</link:label>
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    <link:label id="lab_acnb_FinancingReceivableTerm_C43E6701D29377A451DCA092C726D106_terseLabel_en-US" xlink:label="lab_acnb_FinancingReceivableTerm_C43E6701D29377A451DCA092C726D106" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable term</link:label>
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