8-K

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                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: February 10, 2004

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

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


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

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



Item 9.  Regulation FD Disclosure

         On February 10, 2004, ACNB Corporation, holding company for Adams
County National Bank, issued a press release announcing its financial results
for the fourth quarter ended December 31, 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.






                                   SIGNATURES

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

                                                     ACNB Corporation



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


Dated:  February 10, 2004






                                  EXHIBIT INDEX

Exhibit Number             Description


99.1                       Earnings Press Release for the quarter ended
                           December 31, 2003

EX-99.1

                                  EXHIBIT 99.1
FOR IMMEDIATE RELEASE
                                                        Contact: Lynda L. Glass
                                                                 (717)338-2257

                                ACNB CORPORATION
                              REPORTS 2003 EARNINGS

GETTYSBURG, Pa., February 10---ACNB Corporation reported net income of
$10,768,000 for year-end 2003, an increase of 21% in comparison to $8,904,000 at
year-end 2002. During 2003, there was nonrecurring income of $2,141,000 from
life insurance proceeds. Net income on a per share basis amounted to $1.98 and
$1.64 for 2003 and 2002, respectively.

     Dividends paid to shareholders for 2003 totaled $4,838,000, or $.89 per
share. In 2002, $1.08 per share was paid to shareholders in the form of
dividends for the year---including a Special Dividend of $.20 per share paid on
January 15, 2002.

     Total assets of ACNB Corporation on December 31, 2003, were $873
million---an increase of 19% from $735 million at December 31, 2002. Deposits
increased by 10% over a year ago to $639 million. Total loans rose by 11% to
$415 million, as compared to December 31, 2002. A 3% increase in equity capital
resulted in an aggregate of $72.5 million on December 31, 2003.

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

ACNB #2004-02
February 10, 2004