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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0001135428-03-000560.txt : 20031024
<SEC-HEADER>0001135428-03-000560.hdr.sgml : 20031024
<ACCEPTANCE-DATETIME>20031024153929
ACCESSION NUMBER:		0001135428-03-000560
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20031024
ITEM INFORMATION:		
ITEM INFORMATION:		Regulation FD Disclosure
FILED AS OF DATE:		20031024

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:	000-11783
		FILM NUMBER:		03956485

	BUSINESS ADDRESS:	
		STREET 1:		675 OLD HARRISBURG RD
		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:		675 OLD HARRISBURG RD
		CITY:			GETTYSBURG
		STATE:			PA
		ZIP:			17325
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>acnb_8k.txt
<TEXT>

                UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549
                                    FORM 8-K

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

                        Date of Report: October 24, 2003

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

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


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

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

Item 9.  Regulation FD Disclosure

         On October 24, 2003, ACNB Corporation, holding company for Adams County
National Bank, issued a press release announcing its financial results for the
first quarter ended September 30, 2003. A copy of the press release is attached
hereto as Exhibit 99.1.


Item 12.  Results of Operations and Financial Condition

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


<PAGE>


                                   SIGNATURES

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

                                                     ACNB Corporation


                                                     By:
                                                     ---------------------------
                                                       /s/ Ronald L. Hankey
                                                       Chairman of the Board/CEO


Dated:  October 24, 2003


<PAGE>


                                  EXHIBIT INDEX

Exhibit Number    Description


99.1              Earnings Press Release for the quarter ended
                  September 30, 2003


</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>ex-991.txt
<TEXT>
4

                                  EXHIBIT 99.1

FOR IMMEDIATE RELEASE

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

                                ACNB CORPORATION


REPORTS THIRD QUARTER EARNINGS


GETTYSBURG, Pa., October 24---ACNB Corporation reported net income of $6,828,000
for the first three quarters of 2003, compared to $6,788,000 over the same
period of 2002. Net income on a per share basis amounted to $1.26 for the first
nine months of 2003 and was $1.25 a year ago. Dividends paid to stockholders for
the first three quarters of 2003 totaled $3,424,000, or $.63 per share.

     Total assets of ACNB Corporation on September 30, 2003, were $869
million---up 21% in comparison to September 30, 2002. Deposits increased by 13%
over a year ago to $631 million. Total loans rose by 9% to $401 million, as
compared to September 30, 2002. Equity capital at September 30, 2003, was $69.3
million, a decrease of 4% from September 30, 2002.

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

                                      # # #
ACNB #2003-18
October 24, 2003

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