<SEC-DOCUMENT>0000723646-19-000061.txt : 20190815
<SEC-HEADER>0000723646-19-000061.hdr.sgml : 20190815
<ACCEPTANCE-DATETIME>20190815163020
ACCESSION NUMBER:		0000723646-19-000061
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20190815
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190815
DATE AS OF CHANGE:		20190815

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FRANKLIN FINANCIAL SERVICES CORP /PA/
		CENTRAL INDEX KEY:			0000723646
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				251440803
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-38884
		FILM NUMBER:		191030624

	BUSINESS ADDRESS:	
		STREET 1:		20 S MAIN ST
		STREET 2:		P O BOX 6010
		CITY:			CHAMBERSBURG
		STATE:			PA
		ZIP:			17201-0819
		BUSINESS PHONE:		7172646116

	MAIL ADDRESS:	
		STREET 1:		20 SOUTH MAIN ST
		STREET 2:		PO BOX 6010
		CITY:			CHAMBERSBURG
		STATE:			PA
		ZIP:			17201-0819
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>fraf-20190815x8k.htm
<DESCRIPTION>8-K
<TEXT>
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			2019 Other Events
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			<font style="display: inline;font-size:10pt;text-decoration:none;">United States</font>
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			<font style="display: inline;font-size:10pt;text-decoration:none;">SECURITIES AND EXCHANGE COMMISSION</font>
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			<font style="display: inline;">Washington, D.C.&nbsp;&nbsp;20549</font>
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			<font style="display: inline;">FORM 8-K</font>
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			<font style="display: inline;">CURRENT REPORT</font>
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			<font style="display: inline;">Pursuant to Section 13 or 15(d) of</font>
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		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;">The Securities Exchange Act of 1934</font>
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			<font style="display: inline;">Date of Report: </font><font style="display: inline;font-weight:bold;text-decoration:underline;">August </font><font style="display: inline;font-weight:bold;text-decoration:underline;">1</font><font style="display: inline;font-weight:bold;text-decoration:underline;">5</font><font style="display: inline;font-weight:bold;text-decoration:underline;">, 201</font><font style="display: inline;font-weight:bold;text-decoration:underline;">9</font>
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			<font style="display: inline;">FRANKLIN FINANCIAL SERVICES CORPORATION</font>
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		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;">(Exact name of registrant as specified in its new charter)</font>
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			<font style="display: inline;">&#xFEFF;</font>
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			<font style="display: inline;font-weight:bold;text-decoration:underline;">Pennsylvania&nbsp;&nbsp;&nbsp; </font><font style="display: inline;font-weight:bold;"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font><font style="display: inline;font-weight:bold;text-decoration:underline;"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0-12126&nbsp;&nbsp;&nbsp; </font><font style="display: inline;font-weight:bold;"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font><font style="display: inline;font-weight:bold;text-decoration:underline;"> 25-1440803</font>
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		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;">(State or other jurisdiction&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Commission&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IRS Employer</font>
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			<font style="display: inline;">of incorporation)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;File Number)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indent. No.)</font>
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			<font style="display: inline;">&#xFEFF;</font>
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			<font style="display: inline;font-weight:bold;text-decoration:underline;">20 South Main Street, Chambersburg, PA</font><font style="display: inline;font-weight:bold;"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font><font style="display: inline;font-weight:bold;text-decoration:underline;">17201</font>
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			<font style="display: inline;"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Address of principal executive office)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Zip Code)</font>
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			<font style="display: inline;">Registrant's telephone number, including area code&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font><font style="display: inline;font-weight:bold;text-decoration:underline;">(717) 264-6116</font>
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		<p style="margin:0pt;text-align:center;text-decoration:underline;font-weight:bold;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;">N/A</font>
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		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;">(Former name or former address, if changes since last report)</font>
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			<font style="display: inline;">Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</font>
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			<font style="display: inline;">&#xFEFF;</font>
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				<font style="margin:0pt;font-family:Wingdings;font-size:10pt;;"> o</font>
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			<p style="font-family:Times New Roman;font-size: 10pt;margin:0pt;">
			<font style="display: inline;color:#000000;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></p></td></tr></table></div>
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				<font style="margin:0pt;font-family:Wingdings;font-size:10pt;;"> o</font>
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		</td><td style="width:18pt;"><p style="width:18pt;width:18pt;font-size:0pt;"></p></td><td align="left" valign="top">
			<p style="font-family:Times New Roman;font-size: 10pt;margin:0pt;">
			<font style="display: inline;color:#000000;">Soliciting material pursuant to Rule 14a &#x2013;12 under the Exchange Act (17 CFR 240.14a &#x2013;12)</font></p></td></tr></table></div>
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				<font style="margin:0pt;font-family:Wingdings;font-size:10pt;;"> o</font>
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		</td><td style="width:18pt;"><p style="width:18pt;width:18pt;font-size:0pt;"></p></td><td align="left" valign="top">
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			<font style="display: inline;color:#000000;">Pre-commencement communications pursuant to Rule 14d &#x2013; 2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></p></td></tr></table></div>
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				<font style="margin:0pt;font-family:Wingdings;font-size:10pt;;"> o</font>
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			<font style="display: inline;color:#000000;">Pre-commencement communications pursuant to Rule 13e &#x2013; 4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></p></td></tr></table></div>
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			<font style="display: inline;font-size:9pt;color:#000000;">Securities registered pursuant to Section 12(b) of the Act: </font>
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						<font style="display: inline;">&nbsp;</font></p>
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						<font style="display: inline;font-size:9pt;text-decoration:underline;color:#000000;">Title of class</font></p>
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						<font style="display: inline;font-size:9pt;text-decoration:underline;color:#000000;">Symbol</font></p>
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						<font style="display: inline;font-size:9pt;text-decoration:underline;color:#000000;">Name of exchange on which registered</font></p>
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						<font style="display: inline;font-size:9pt;color:#000000;">Common stock</font></p>
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					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 9pt">
						<font style="display: inline;font-size:9pt;color:#000000;">FRAF</font></p>
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					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 9pt">
						<font style="display: inline;font-size:9pt;color:#000000;">Nasdaq Capital Market</font></p>
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			<font style="display: inline;color:#000000;font-size:10pt;">&#xFEFF;</font>
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			<font style="display: inline;color:#000000;font-size:10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#xA7;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#xA7;240.12b-2 of this chapter). </font>
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		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;color:#000000;font-size:10pt;">&#xFEFF;</font><font style="display: inline;color:#000000;font-size:10pt;">&nbsp;</font>
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			<font style="display: inline;color:#000000;font-size:10pt;">Emerging growth company&nbsp; </font><font style="display: inline;font-family:MS Gothic;color:#000000;font-size:9pt;">&#x2610;</font><font style="display: inline;color:#000000;font-size:10pt;">&nbsp;</font>
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			<font style="display: inline;font-family:Tahoma;color:#000000;font-size:10pt;">&#xFEFF;</font><font style="display: inline;font-size:10pt;color:#000000;">&nbsp;</font>
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		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;color:#000000;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.&nbsp; </font><font style="display: inline;font-family:MS Gothic;color:#000000;font-size:9pt;">&#x2610;</font><font style="display: inline;font-size:10pt;color:#000000;">&nbsp;</font>
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		<p><font size="1"> </font></p><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt;font-family:Times New Roman;;font-size: 10pt"><font style="display: inline;text-decoration:underline;"></font><font style="display: inline;font-weight:bold;text-decoration:underline;">Item </font><font style="display: inline;font-weight:bold;text-decoration:underline;">8</font><font style="display: inline;font-weight:bold;text-decoration:underline;">.0</font><font style="display: inline;font-weight:bold;text-decoration:underline;">1</font><font style="display: inline;font-weight:bold;text-decoration:underline;">&nbsp;</font><font style="display: inline;font-weight:bold;text-decoration:underline;">Other Events</font>
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			<font style="display: inline;">&#xFEFF;</font>
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		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;"></font><font style="display: inline;">On August 15, 2019, F&amp;M Trust (the &#x201C;Bank&#x201D;), a wholly-owned subsidiary of Franklin Financial Services Corporation, issued a press release announcing its intention to sell the Bank&#x2019;s headquarters located at 20 South Main Street, Chambersburg and relocate to a 67,000 square foot building located at 1500 Nitterhouse Drive, Chambersburg. The relocation into a new facility allows the Bank to consolidate approximately 145 employees into one location, which is next to Interstate 81, a major transportation artery within the Bank&#x2019;s footprint in Southcentral Pennsylvania, and provides capacity and infrastructure to support the Bank&#x2019;s growth for many years. Currently, it is expected that the anticipated 1031 exchange transaction will be at a net cost of approximately $3.5 million to the Bank with renovations expected to cost an additional $5.5 million. A copy of the press release announcing the proposed transaction is attached to this Form 8-K as Exhibit 99.1 and is incorporated herein by reference.</font>
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		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;color:#000000;">&#xFEFF;</font>
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			<font style="display: inline;color:#000000;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;color:#000000;">The information in this Form 8-K provided under Item 8.01, including all exhibits attached hereto, is being furnished and shall not be deemed to be &#x201C;filed&#x201D; for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the &#x201C;Exchange Act&#x201D;), or otherwise subject to the liability of such section, no shall it be deemed incorporated by reference in any filing of the Corporation under the Securities Act of 1933, as amended, or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.</font>
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			<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">Item 9.01&nbsp; Financial Statements and Exhibits.</font><font style="display: inline;font-size:10pt;text-decoration:underline;">&nbsp;</font>
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			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&#xFEFF;</font><font style="display: inline;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;Exhibits.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following exhibits are filed herewith: </font>
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			<font style="display: inline;font-size:10pt;text-decoration:underline;">Number</font><font style="display: inline;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font><font style="display: inline;font-size:10pt;text-decoration:underline;">Description</font><font style="display: inline;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>
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			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&#xFEFF;</font><font style="display: inline;font-size:10pt;">&nbsp;</font>
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			<font style="display: inline;font-size:10pt;">&nbsp;&nbsp;&nbsp;99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font style="display: inline;font-size:10pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;News Release,&nbsp;dated August</font><font style="display: inline;">&nbsp;</font><font style="display: inline;font-size:10pt;">15</font><font style="display: inline;font-size:10pt;">, 2019 of Franklin Financial Services Corporation </font>
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			<font style="display: inline;color:#000000;"></font>
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			<font style="display: inline;"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font><font style="display: inline;text-decoration:underline;">SIGNATURES</font>
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			<font style="display: inline;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font>
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			<font style="display: inline;">FRANKLIN FINANCIAL SERVICES CORPORATION&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>
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			<font style="display: inline;">By: </font><font style="display: inline;text-decoration:underline;">/s/ </font><font style="display: inline;text-decoration:underline;">Timothy G. Henry</font>
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		<p style="margin:0pt 0pt 0pt 180pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;">Timothy G. Henry</font>
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		<p style="margin:0pt 0pt 0pt 180pt;border-top:1pt none #D9D9D9 ;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;">President</font><font style="display: inline;">&nbsp;</font><font style="display: inline;">and Chief Executive Officer</font>
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			<font style="display: inline;">Dated: </font><font style="display: inline;">August</font><font style="display: inline;">&nbsp;</font><font style="display: inline;">1</font><font style="display: inline;">5</font><font style="display: inline;">, 201</font><font style="display: inline;">9</font>
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			<font style="display: inline;">EXHIBIT INDEX </font>
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			<font style="display: inline;font-family:Tahoma;font-weight:bold;">&#xFEFF;</font><font style="display: inline;font-weight:bold;">&nbsp;</font>
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			<font style="display: inline;text-decoration:underline;">Exhibit Number</font><font style="display: inline;">&nbsp;</font><font style="display: inline;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;"></font><font style="display: inline;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;"></font><font style="display: inline;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;"></font><font style="display: inline;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;"></font><font style="display: inline;text-decoration:underline;">Description</font><font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;font-family:Tahoma;">&#xFEFF;</font><font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;">99.1</font><font style="display: inline;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 24pt 0pt 0pt;"></font><font style="display: inline;"></font><font style="display: inline;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 24pt 0pt 0pt;"></font><font style="display: inline;"></font><font style="display: inline;color:#0000FF;text-decoration:underline;">News release, dated </font><font style="display: inline;color:#0000FF;text-decoration:underline;">August</font><font style="display: inline;">&nbsp;</font><font style="display: inline;color:#0000FF;text-decoration:underline;">15</font><font style="display: inline;color:#0000FF;text-decoration:underline;">, 2019 of Franklin Financial Services Corporation</font><font style="display: inline;">&nbsp;</font>
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<DESCRIPTION>EX-99.1
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			8-K 2019 Other Events-Exh 991 SCRUBBED
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			<a name="_GoBack"></a><font style="display: inline;font-weight:normal;font-size:10pt;text-decoration:none;">Exhibit 99.1</font>
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			<font style="display: inline;"><img src="fraf-20190815xex99_1g001.jpg" style="width: 1.899306in; height: 1.1875in" alt="C:\Users\swhite\AppData\Local\Microsoft\Windows\INetCache\Content.Word\FMTrust-295 2 (Medium).jpg"></font><font style="display: inline;font-weight:bold;">Contact: </font>
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			<font style="display: inline;">Shelby White</font>
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			<font style="display: inline;">Corporate Communications Officer </font><br /><font style="display: inline;"></font>
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			<font style="display: inline;">(717) 262-7565</font>
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			<font style="display: inline;">shelby.white@f-mtrust.com</font>
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			<font style="display: inline;">&#xFEFF;</font>
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			<font style="display: inline;font-weight:bold;">For Immediate Release</font>
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			<font style="display: inline;">August 15, 2019</font>
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			<font style="display: inline;font-weight:bold;">&#xFEFF;</font>
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			<font style="display: inline;font-weight:bold;">F&amp;M Trust to Relocate Corporate Headquarters, Operations Center</font>
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			<font style="display: inline;">CHAMBERSBURG, Pa &#x2013; Franklin Financial Services Corporation (NASDAQ: FRAF), and its subsidiary F&amp;M Trust today announced plans to relocate their corporate headquarters and operations center to a larger, state-of-the-art building situated in both the Borough of Chambersburg and Guilford Township, three miles from the bank&#x2019;s current location.</font>
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			<font style="display: inline;">The bank is purchasing the former Danfoss manufacturing facility for $7 million from CFDC, LLC, an entity jointly owned by the Franklin County Area Development Corp. (FCADC) and Chambersburg Area Development Corp. (CADC). The 67,000 square-foot Gold LEED building, constructed in 2009 is located at 1500 Nitterhouse Drive, Chambersburg, on an 11-acre parcel.</font>
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			<font style="display: inline;">The move is expected to take place in late 2020 after the bank has completed renovations. The one-story building will house roughly 145 employees with room to add employees as the bank grows. </font>
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			<font style="display: inline;">&#x201C;F&amp;M Trust&#x2019;s story began in 1906 in downtown Chambersburg, and in many ways it is bittersweet to move part of our team out of the downtown when there are so many new and exciting things happening. Yet, as the bank continues to grow, we need more space in order to continue to bring high-quality service to our customers. We are very happy that we are able to maintain our presence in Chambersburg, Guilford Township and Franklin County as we are the only bank headquartered in this area,&#x201D; said Timothy G. Henry, president and CEO of F&amp;M Trust. &#x201C;With this move and renovation, F&amp;M Trust reaffirms its commitment to supporting the vitality of Chambersburg and Franklin County and positions itself for future growth as an independent community bank.&#x201D;</font>
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			<font style="display: inline;">To prepare for its future move, F&amp;M Trust is selling its 41,000 square-foot corporate headquarters located at 20 South Main Street, for $3.3 million to CFDC. </font>
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			<font style="display: inline;">&#x201C;This represents another $3.3 million investment in the revitalization of downtown Chambersburg. It&#x2019;s a win, win, win for everyone. It&#x2019;s a great win for the community. It&#x2019;s a win for F&amp;M Trust, and it&#x2019;s a win for us,&#x201D; said L. Michael Ross, president of FCADC.</font>
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			<font style="display: inline;">Stephen Christian, president and executive director of CADC and the Greater Chambersburg Chamber of Commerce added: &#x201C;We were in a unique position to be part of the solution by purchasing the bank&#x2019;s existing real estate in downtown Chambersburg. We&#x2019;re excited to support F&amp;M Trust&#x2019;s continuing success and expansion. No other financial institution is more thoroughly woven into the fabric of Chambersburg and Franklin County&#x2019;s community than F&amp;M Trust.&#x201D;</font>
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		<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Times New Roman;;font-size: 12pt"><font style="display: inline;">Neither FCADC nor CADC plan to relocate their operations to the building. Rather, they intend to lease office space to other tenants.</font>
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			<font style="display: inline;">F&amp;M Trust will maintain its current retail community office in downtown Chambersburg by leasing back the first floor of the Memorial Square office from CFDC. Terms of the lease have not yet been finalized. </font>
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			<font style="display: inline;">Both sales agreements are anticipated to close in the fourth quarter of this year. </font>
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		<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;font-weight:bold;">About Franklin County Area Development Corporation</font>
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		<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">Established in 1986, FCADC formulates, implements and promotes a comprehensive countywide economic development strategy. The corporation strives to create an atmosphere that nourishes planned growth and family sustainable employment opportunities. Since its establishment, FCADC has successfully facilitated more than 760 projects throughout Franklin County, resulting in more than $2.2 billion in capital expenditures and creating/retaining more than 50,000 jobs.</font>
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			<font style="display: inline;font-weight:bold;">About Chambersburg Area Development Corporation</font>
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			<font style="display: inline;">Founded in 1960, CADC aims to improve the economic health and quality of life of the Chambersburg Area by bringing major employers to the area. CADC owns and operates an extensive commercial and industrial real-estate portfolio providing quality building solutions for dozens of businesses in Chambersburg and Franklin County. CADC is an affiliate of the Greater Chambersburg Chamber of Commerce, and is linked to the creation of more than 2,800 jobs and over $3 million in local payroll and property tax revenues annually.</font>
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		<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;font-weight:bold;">About F&amp;M Trust</font>
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		<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">A subsidiary of Franklin Financial Services Corporation, F&amp;M Trust is an independent community bank headquartered in Chambersburg. With approximately $1.3 billion in assets, F&amp;M Trust has 22 community offices in Franklin, Cumberland, Fulton and Huntingdon counties.</font>
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		<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">Please visit </font><font style="display: inline;color:#0000FF;text-decoration:underline;">fmtrust.bank</font><font style="display: inline;"> for more information.</font>
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			<font style="display: inline;font-style:italic;font-size:10pt;">&#xFEFF;</font>
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			<font style="display: inline;font-style:italic;font-size:10pt;">Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.&nbsp;&nbsp;Such forward-looking statements refer to a future period or periods, reflecting management&#x2019;s current views as to likely future developments, and use words &#x201C;may,&#x201D; &#x201C;will,&#x201D; &#x201C;expect,&#x201D; &#x201C;believe,&#x201D; &#x201C;estimate,&#x201D; &#x201C;anticipate,&#x201D; or similar terms.&nbsp;&nbsp;Because forward-looking statements involve certain risks, uncertainties and other factors over which Franklin Financial Services Corporation has no direct control, actual results could differ materially from those contemplated in such statements.&nbsp;&nbsp;These factors include (but are not limited to) the following: general economic conditions, changes in interest rates, changes in the Corporation&#x2019;s cost of funds, changes in government monetary policy, changes in government regulation and taxation of financial institutions, changes in the rate of inflation, changes in technology, the intensification of competition within the Corporation&#x2019;s market area, and other similar factors.</font>
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		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-style:italic;font-size:10pt;">We caution readers not to place undue reliance on these forward-looking statements. They only reflect management&#x2019;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, Quarterly Reports on Form 10-Q, and any Current Reports on Form 8-K.</font>
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</DOCUMENT>
</SEC-DOCUMENT>
