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 1998 annual
report to stockholders incorporated by reference in this Form 10-K, into the
Corproation'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 25, 1999