<SEC-DOCUMENT>0001104659-20-003267.txt : 20200113
<SEC-HEADER>0001104659-20-003267.hdr.sgml : 20200113
<ACCEPTANCE-DATETIME>20200113091158
ACCESSION NUMBER:		0001104659-20-003267
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20190111
ITEM INFORMATION:		Completion of Acquisition or Disposition of Assets
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200113
DATE AS OF CHANGE:		20200113

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ACNB CORP
		CENTRAL INDEX KEY:			0000715579
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				232233457
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-35015
		FILM NUMBER:		20523001

	BUSINESS ADDRESS:	
		STREET 1:		16 LINCOLN SQUARE
		STREET 2:		P O BOX 3129
		CITY:			GETTYSBURG
		STATE:			PA
		ZIP:			17325
		BUSINESS PHONE:		7173343161

	MAIL ADDRESS:	
		STREET 1:		P O BOX 3129
		STREET 2:		16 LINCOLN SQUARE
		CITY:			GETTYSBURG
		STATE:			PA
		ZIP:			17325
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>tm201748d1_8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">______________</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 14.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Pursuant to Section 13 or 15(d)</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>of the Securities Exchange Act of 1934</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">______________</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event
reported): January 11, 2020</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>ACNB Corporation</U></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of Registrant as specified in
its charter)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1.5pt solid; width: 20%; font-size: 12pt; text-align: center"><B>Pennsylvania</B></TD>
    <TD STYLE="width: 20%; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; width: 20%; font-size: 12pt; text-align: center"><B>1-35015</B></TD>
    <TD STYLE="width: 20%; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; width: 20%; font-size: 12pt; text-align: center"><B>23-2233457</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">(State or other</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">jurisdiction of</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">incorporation)</P></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD>
        <P STYLE="text-align: center; font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">(Commission</P>
        <P STYLE="text-align: center; font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">File Number)</P></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(IRS Employer</P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Identification No.)</P></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 98%; margin-left: 0.125in">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 12pt Times New Roman, Times, Serif; width: 40%; text-align: center"><U>16 Lincoln Square, Gettysburg,
    PA</U></TD><TD STYLE="font: bold 12pt Times New Roman, Times, Serif; width: 40%">&nbsp;</TD>
    <TD STYLE="font: bold 12pt Times New Roman, Times, Serif; width: 20%; text-align: center"><U>17325</U></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; text-align: center">(Address of principal executive offices)</TD><TD STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; text-align: center">(Zip Code)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; width: 30%">&nbsp;</TD>
    <TD STYLE="font: bold 12pt Times New Roman, Times, Serif; width: 40%; text-align: center"><U>&nbsp;&nbsp;&nbsp;717.334.3161&nbsp;&nbsp;&nbsp;</U></TD>
    <TD STYLE="text-align: center; width: 30%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center; font: 11pt Times New Roman, Times, Serif">(Registrant&rsquo;s telephone number, including area code)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions (<I>see</I> General Instruction
A.2. below):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"> <FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;<FONT STYLE="font-size: 10pt">Written
communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"> <FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;<FONT STYLE="font-size: 10pt">Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"> <FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;<FONT STYLE="font-size: 10pt">Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"> <FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;<FONT STYLE="font-size: 10pt">Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Indicate by check mark whether the Registrant is an emerging
growth company as defined in Rule 405 of the Securities Act of 1933 (&sect;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&sect;240.12b-2 of this chapter).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Emerging growth company <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">If an emerging growth company,
indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised
financial accounting standards provided pursuant to Section 13(a) of the Exchange Act</FONT><FONT STYLE="font-size: 8pt">. </FONT><FONT STYLE="font-family: Wingdings; font-size: 10pt">&#168;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities
registered pursuant to Section 12(b) of the Act:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 38%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Title
    Of Each Class</U></B></FONT></TD>
    <TD STYLE="font-size: 10pt; width: 19%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Trading
    Symbol(s)</U></B></FONT></TD>
    <TD STYLE="font-size: 10pt; width: 43%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Name
    Of Each Exchange On Which Registered</U></B></FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: top">
    <TD STYLE="font-size: 10pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common
    Stock, $2.50 par value per share</FONT></TD>
    <TD STYLE="font-size: 10pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ACNB</FONT></TD>
    <TD STYLE="font-size: 10pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    NASDAQ Stock Market, LLC</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B></B></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT ON FORM 8-K</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in"><B><U>ITEM 2.01</U></B></TD><TD STYLE="text-align: justify"><B><U>Completion of Acquisition or Disposition of Assets </U></B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">Effective January 11, 2020, ACNB
Corporation (&ldquo;ACNB&rdquo;) completed its previously-announced acquisition of Frederick County Bancorp, Inc. (&ldquo;FCBI&rdquo;)
pursuant to the Agreement and Plan of Reorganization, dated as of July 1, 2019, by and among ACNB, ACNB South Acquisition Subsidiary,
LLC (&ldquo;Acquisition Subsidiary&rdquo;), ACNB Bank, FCBI and Frederick County Bank (the &ldquo;Reorganization Agreement&rdquo;).
At the effective time of the acquisition, FCBI merged with and into Acquisition Subsidiary with Acquisition Subsidiary surviving
the merger. In addition, Frederick County Bank, a Maryland state-chartered bank and FCBI&rsquo;s wholly-owned subsidiary, merged
with and into ACNB Bank, a Pennsylvania state-chartered bank and trust company and ACNB&rsquo;s wholly-owned subsidiary, with ACNB
Bank as the surviving bank.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">Subject to the terms and conditions
of the Reorganization Agreement at the effective time of the merger, each share of FCBI common stock was converted into the right
to receive 0.9900 share of ACNB common stock. As a result of the merger, ACNB issued approximately 1,600,000 shares of its common
stock and cash in exchange for fractional shares based upon $36.43, the determined market share price of ACNB common
stock in accordance with the Reorganization Agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">The foregoing description of the
Reorganization Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the
Reorganization Agreement, which is attached hereto as Exhibit 2.3 and is incorporated herein by reference.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in"><B><U>ITEM 5.02</U></B></TD><TD><B><U>Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements
of Certain Officers</U></B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">Effective January 11, 2020, in
connection with the merger and pursuant to the terms of the Reorganization Agreement, one former FCBI director, Kimberly S. Chaney,
was appointed as a Class 3 Director of ACNB&rsquo;s Board of Directors. Ms. Chaney was also appointed as Director of ACNB Bank&rsquo;s
Board of Directors. In connection with her appointment to the Boards of ACNB and ACNB Bank, Ms. Chaney was appointed to the ACNB
Board&rsquo;s Audit Committee and the ACNB Bank Board&rsquo;s Loan Committee.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">Other than pursuant to the terms
of the Reorganization Agreement and those fees and benefits available to all nonemployee Directors of ACNB and ACNB Bank, Ms. Chaney
was not appointed to these positions pursuant to any arrangement or understanding with any other person, and she has no reportable
transactions under Item 404(a) of Regulation S-K.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in"><B><U>ITEM 8.01</U></B></TD><TD><B><U>Other Events</U></B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">ACNB issued a press release on
January 13, 2020, announcing completion of the acquisition. A copy of the press release is furnished herewith as Exhibit 99.1 and
is incorporated herein by reference.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B></B></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"><B><U>ITEM 9.01</U></B></TD><TD STYLE="text-align: justify"><FONT STYLE="text-transform: uppercase"><B><U>F</U></B></FONT><B><U>inancial Statements and Exhibits</U></B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a) Financial
Statements of Business Acquired</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">The financial statements required
to be filed under this Item 9.01(a) shall be filed by an amendment to this Form 8-K not later than 71 days after the date this
Current Report on Form 8-K is required to be filed.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b) Pro Forma
Financial Information</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">The pro forma financial information
required to be filed under this Item 9.01(b) shall be filed by an amendment to this Form 8-K not later than 71 days after the date
this Current Report on Form 8-K is required to be filed.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(d) Exhibits.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 1in; text-align: left; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 1.25in; text-align: left; padding-bottom: 1pt"><U>Exhibit Number</U></TD>
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-bottom: 1pt"><U>Description</U></TD></TR>

<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD></TD><TD STYLE="text-align: center">2.3</TD>
    <TD>&nbsp;</TD><TD STYLE="text-align: justify">Agreement and Plan of Reorganization by and among ACNB Corporation, ACNB South Acquisition
                   Subsidiary, LLC, ACNB Bank, Frederick County Bancorp, Inc. and Frederick County Bank dated as of July 1, 2019. (Incorporated
                   by reference to Annex A of the Registrant&rsquo;s Registration Statement No.&nbsp;333-233791 on&nbsp;Form&nbsp;S-4, filed
                   with the Commission on September 16, 2019.) Schedules are omitted; the Registrant agrees to furnish copies of Schedules to the
                   Securities and Exchange Commission upon request.</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD></TD><TD STYLE="text-align: center">99.1</TD>
    <TD>&nbsp;</TD><TD STYLE="text-align: justify">Press release dated January 13, 2020.</TD>
</TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>




<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>EXHIBIT INDEX</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>EXHIBIT NO.</U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 1in"><A HREF="http://www.sec.gov/Archives/edgar/data/715579/000104746919005765/a2239833zs-4a.htm#AnxA" STYLE="-sec-extract: exhibit">2.3</A></TD><TD STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/715579/000104746919005765/a2239833zs-4a.htm#AnxA" STYLE="-sec-extract: exhibit">Agreement and Plan of Reorganization by and among ACNB Corporation, ACNB South Acquisition Subsidiary,
LLC, ACNB Bank, Frederick County Bancorp,&nbsp;Inc. and Frederick County Bank dated as of July 1, 2019. (Incorporated by reference
to Annex A of the Registrant&rsquo;s Registration Statement No.&nbsp;333-233791 on&nbsp;Form&nbsp;S-4, filed with the Commission
on September 16, 2019.) Schedules are omitted; the Registrant agrees to furnish copies of Schedules to the Securities and Exchange
Commission upon request.</A></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: -1in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 1in"><A HREF="tm201748d1_ex99-1.htm">99.1</A></TD><TD><A HREF="tm201748d1_ex99-1.htm">Press release dated January 13, 2020.</A></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: -1in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Pursuant to the requirements of the Securities
Exchange Act of 1934, the Registrant has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned,
thereunto duly authorized.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 12pt Times New Roman, Times, Serif; padding-left: 3in">&nbsp;</TD>
    <TD STYLE="font: bold 12pt Times New Roman, Times, Serif; text-align: left">ACNB CORPORATION</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-indent: 3in">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">(Registrant)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.25in">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.25in">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%; font: 12pt Times New Roman, Times, Serif; padding-bottom: 1pt">Dated: January 13, 2020</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 50%; text-align: left; padding-bottom: 1pt"><U>/s/ Lynda L. Glass&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: left">Lynda L. Glass</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: left">Executive Vice President/</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-indent: 3in">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: left">Secretary &amp; Chief Governance Officer</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 3in"></P>

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<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>tm201748d1_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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<P STYLE="margin: 0"></P>

<P STYLE="text-align: right; font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Exhibit
99.1</FONT></P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
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    <TD STYLE="border-bottom: Black 2pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: left; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt"><IMG SRC="tm201748d1_ex99-1img01.jpg" ALT="">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2pt solid; text-align: right; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: bottom">
        <P STYLE="font: 40pt Times New Roman, Times, Serif; text-align: right; margin-top: 0pt; margin-bottom: 0pt"><I>Press Release</I></P>
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P></TD></TR>
</TABLE>


<P STYLE="margin: 0pt 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">FOR IMMEDIATE RELEASE</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 65%">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 8%">Contact:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 27%"> Lynda L. Glass</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">EVP/Secretary &amp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Chief Governance Officer</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: left">717.339.5085</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>lglass@acnb.com</U></TD></TR>
</TABLE>


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 6in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 6in"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ACNB
Corporation announceS Completion</B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>of
the acquisition of FREDERICK COUNTY BANCORP, inc. </B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">GETTYSBURG, PA, January 13,
2020 --- ACNB Corporation (NASDAQ: ACNB), the parent financial holding company of ACNB Bank, a Pennsylvania
state-chartered, FDIC-insured community bank, headquartered in Gettysburg, PA, announced the completion of the acquisition of
Frederick County Bancorp, Inc. (OTCPink: FCBI) (&ldquo;FCBI&rdquo;) and its wholly-owned subsidiary, Frederick County Bank,
headquartered in Frederick, MD, effective January 11, 2020. FCBI was merged with and into a wholly-owned subsidiary of ACNB
Corporation immediately followed by the merger of Frederick County Bank with and into ACNB Bank. ACNB Bank will operate in
the Frederick County, MD, market as &ldquo;FCB Bank, A Division of ACNB Bank&rdquo;.</P>

<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Under the terms
of the Reorganization Agreement, FCBI stockholders received 0.9900 share of ACNB Corporation common stock for each share of FCBI
common stock that they owned as of the closing date. As a result, ACNB Corporation issued approximately 1,600,000 shares of its
common stock and cash in exchange for fractional shares based upon $36.43, the determined market share price of ACNB Corporation
common stock in accordance with the Reorganization Agreement.</P>

<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In
addition, pursuant to the Reorganization Agreement, former FCBI director Kimberly S. Chaney was appointed as a Class 3
Director to ACNB Corporation&rsquo;s Board of Directors and as Director to ACNB Bank&rsquo;s Board of Directors. Ms. Chaney, the former
chairman of the FCBI board of directors, has been a CPA for over 30</P>

<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>ACNB CORPORATION</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Press Release/ACNB Corporation Announces Completion </B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>of the Acquisition of Frederick County Bancorp, Inc. </B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>January 13, 2020</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Page <FONT STYLE="font-size: 12pt">2</FONT> of <FONT STYLE="font-size: 12pt">3</FONT></B></P>



<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">years and owns an accounting practice specializing in financial services and consulting for small businesses
in Frederick, MD.</P>

<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">With the
combination of the two organizations, ACNB Corporation, on a consolidated basis, has approximately $2.2 billion in assets, $1.8 billion
in deposits, and $1.6 billion in loans with 34 community banking offices and three loan offices located in the counties of
Adams, Cumberland, Franklin, Lancaster and York in Pennsylvania and the counties of Baltimore, Carroll and Frederick in
Maryland.</P>

<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;We are excited
to welcome Frederick County Bancorp, Inc. as ACNB Corporation expands its presence in the Maryland market,&rdquo; stated ACNB Corporation
President &amp; Chief Executive Officer James P. Helt. &ldquo;Frederick is a growing, vibrant market for community banking, which
is at the core of ACNB Corporation&rsquo;s success for more than 160 years. It is our belief the addition of Frederick County Bank&rsquo;s
community banking network in Frederick County, Maryland, positions ACNB Corporation for strong and profitable growth in a desirable
market that is adjacent to our current footprint in southcentral Pennsylvania and central Maryland.&rdquo;</P>

<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">He continued, &ldquo;Strategically,
this acquisition is intended to complement our existing operations, while contributing to the Corporation&rsquo;s established tradition
of enhancing long-term shareholder value. As a result of the acquisition, Kimberly S. Chaney joins the Boards of Directors of ACNB
Corporation and ACNB Bank. Her knowledge of the Frederick market will prove valuable in the successful execution of our long-term
strategic plan.&rdquo; </P>

<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Bybel
Rutledge LLP served as legal counsel and Boenning &amp; Scattergood, Inc. served as financial advisor to ACNB Corporation.
Buckley LLP served as legal counsel and Sandler O&rsquo;Neill + Partners, LP served as financial advisor to Frederick County
Bancorp, Inc.</P>

<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">ACNB Corporation,
headquartered in Gettysburg, PA, is the financial holding company for the wholly-owned subsidiaries of ACNB Bank, Gettysburg,
PA, and Russell Insurance Group, Inc., Westminster, MD. Originally founded in 1857, ACNB Bank serves its marketplace with banking
and wealth</P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>ACNB CORPORATION</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Press Release/ACNB Corporation Announces Completion </B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>of the Acquisition of Frederick County Bancorp, Inc. </B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>January 13, 2020</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Page <FONT STYLE="font-size: 12pt">3</FONT> of <FONT STYLE="font-size: 12pt">3</FONT></B></P>



<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 12pt/0.35in Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">management
services, including trust and retail brokerage, via a network of 22 community banking offices, located in the four
southcentral Pennsylvania counties of Adams, Cumberland, Franklin and York, as well as loan offices in Lancaster and York,
PA, and Hunt Valley, MD. As divisions of ACNB Bank operating in Maryland, FCB Bank and NWSB Bank serve the local marketplace via a
network of five and seven community banking offices located in Frederick County and Carroll County, MD, respectively. Russell
Insurance Group, Inc., the Corporation&rsquo;s insurance subsidiary, is a full-service agency with licenses in 44 states. The
agency offers a broad range of property, casualty, health, life and disability insurance serving personal and commercial
clients through office locations in Westminster, Germantown and Jarrettsville, MD. For more information regarding ACNB
Corporation and its subsidiaries, please visit acnb.com.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">#&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;#&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;#</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B></B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><I>FORWARD-LOOKING STATEMENTS - In addition
to historical information, this press release may contain forward-looking statements. Examples of forward-looking statements include,
but are not limited to, (a) projections or statements regarding future earnings, expenses, net interest income, other income, earnings
or loss per share, asset mix and quality, growth prospects, capital structure, and other financial terms, (b) statements of plans
and objectives of management or the Board of Directors, and (c) statements of assumptions, such as economic conditions in the Corporation&rsquo;s
market areas. Such forward-looking statements can be identified by the use of forward-looking terminology such as &ldquo;believes&rdquo;,
 &ldquo;expects&rdquo;, &ldquo;may&rdquo;, &ldquo;intends&rdquo;, &ldquo;will&rdquo;, &ldquo;should&rdquo;, &ldquo;anticipates&rdquo;,
or the negative of any of the foregoing or other variations thereon or comparable terminology, or by discussion of strategy. Forward-looking
statements are subject to certain risks and uncertainties such as local economic conditions, competitive factors, and regulatory
limitations. Actual results may differ materially from those projected in the forward-looking statements. Such risks, uncertainties
and other factors that could cause actual results and experience to differ from those projected include, but are not limited to,
the following: the effects of governmental and fiscal policies, as well as legislative and regulatory changes; the effects of new
laws and regulations, specifically the impact of the Tax Cuts and Jobs Act and the Dodd-Frank Wall Street Reform and Consumer Protection
Act; impacts of the capital and liquidity requirements of the Basel III standards; the effects of changes in accounting policies
and practices, as may be adopted by the regulatory agencies, as well as the Financial Accounting Standards Board and other accounting
standard setters; ineffectiveness of the business strategy due to changes in current or future market conditions; future actions
or inactions of the United States government, including the effects of short- and long-term federal budget and tax negotiations
and a failure to increase the government debt limit or a prolonged shutdown of the federal government; the effects of economic
conditions on current customers, specifically the effect of the economy on loan customers&rsquo; ability to repay loans; the effects
of competition, and of changes in laws and regulations on competition, including industry consolidation and development of competing
financial products and services; the risks of changes in interest rates on the level and composition of deposits, loan demand,
and the values of loan collateral, securities, and interest rate protection agreements, as well as interest rate risks; difficulties
in acquisitions and integrating and operating acquired business operations, including information technology difficulties; challenges
in establishing and maintaining operations in new markets; the effects of technology changes; volatilities in the securities markets;
the effect of general economic conditions and more specifically in the Corporation&rsquo;s market area; the failure of assumptions
underlying the establishment of reserves for loan losses and estimations of values of collateral and various financial assets and
liabilities; acts of war or terrorism; disruption of credit and equity markets; the ability to manage current levels of impaired
assets; the loss of certain key officers; the ability to maintain the value and image of the Corporation&rsquo;s brand and protect
the Corporation&rsquo;s intellectual property rights; continued relationships with major customers; and, potential impacts to the
Corporation from continually evolving cybersecurity and other technological risks and attacks, including additional costs, reputational
damage, regulatory penalties, and financial losses. We caution readers not to place undue reliance on these forward-looking statements.
They only reflect management&rsquo;s analysis as of this date. The Corporation does not revise or update these forward-looking
statements to reflect events or changed circumstances. Please carefully review the risk factors described in other documents the
Corporation files from time to time with the SEC, including the Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q.
Please also carefully review any Current Reports on Form 8-K filed by the Corporation with the SEC.</I></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">ACNB #2020-1</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">January 13, 2020</P>



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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
