Arthur Andersen LLP








           CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS



As independent public accountants, we hereby consent to the
incorporation of our report included in Franklin Financial Services
Corporation 1995 annual report to stockholders incorporated by reference
in this Form 10-K, into the Corporation's previously filed Registration
Statements; File No. 2-92212, No. 2-98880, No. 33-36509, No. 33-64294
and No. 33-82420.


 
                                      /s/ Arthur Andersen LLP

Lancaster, PA
March 27, 1996