<Page>

                                  EXHIBIT 23.1

            Consent of Beard Miller Company LLP, Independent Auditors

Regarding:

Registration Statements, File No. 2-92212, No. 2-98880, No. 33-36509, No.
33-82420, and No. 333-82675.

We consent to the incorporation by reference in the above listed Registration
Statements of our report dated January 30, 2002, with respect to the
consolidated financial statements of Franklin Financial Services Corporation
included in this Annual Report (Form 10-K) for the year ended December 31, 2001.


/s/ BEARD MILLER COMPANY LLP

Harrisburg, Pennsylvania
March 27, 2002