EXHIBIT 99

                                  PRESS RELEASE

FOR IMMEDIATE RELEASE                                Contact: Ronald L. Hankey
                                                                (717) 334-3161


                          ACNB CORPORATION CONSUMMATES
                  AFFILIATION OF FARMERS NATIONAL BANCORP, INC.


GETTYSBURG,  Pa., March 1 -- ACNB Corporation  announced the consummation of the
affiliation  of  Farmers  National  Bancorp,  Inc.,  parent  company  of Farmers
National  Bank of Newville,  effective  March 1, 1999.  Shareholders  of Farmers
National  Bancorp,  Inc.  will  receive  2.266  shares of  common  stock of ACNB
Corporation for each share of Farmers National  Bancorp,  Inc. common stock held
on this date. A total of  approximately  561,968  shares of common stock will be
issued by ACNB Corporation in connection with this transaction.

     The  affiliation  was  completed  pursuant  to an  Agreement  and  Plan  of
Reorganization  dated July 28, 1998.  Shareholders of Farmers National  Bancorp,
Inc.  approved the  Agreement  at the Special  Meeting of  Shareholders  held on
December 15,1998. The Agreement provides for Farmers National Bancorp,  Inc. and
Farmers  National Bank of Newville to become  wholly-owned  subsidiaries of ACNB
Corporation.

     Ronald L. Hankey,  Chairman and Chief Executive Officer of ACNB Corporation
said, "We are extremely  pleased to have Farmers  National Bank of Newville join
our banking family, and are confident that the affiliation will be beneficial to
the consumers and  businesses in the Newville area.  Additionally,  we view this
partnership as an opportunity for ACNB Corporation to further support the ideals
of community banking in another local  marketplace.  We will continue to support
the deposit and lending  initiatives  of Farmers  National Bank of Newville,  as
well as look forward to introducing  new financial  products and services.  ACNB
Corporation is truly gratified to become a part of the Newville community."

                                                                      MORE. . .



PRESS RELEASE
ACNB CORPORATION
MARCH 1, 1999
PAGE 2


     "The affiliation will have a positive effect on the community  because both
organizations  have the same personal service philosophy toward customers," said
Edgar S.  Heberlig,  Chairman  of the Board of  Directors  of  Farmers  National
Bancorp,  Inc.  "Since  Farmers  National  Bank of Newville  will  operate as an
independent  community  bank,  our  customers  will  continue  to have  the same
familiar faces wait on them when conducting their banking  transactions."

     As of March 1, 1999, ACNB Corporation is a multi-bank  holding company with
two wholly-owned subsidiaries -- Adams County National Bank and Farmers National
Bank of  Newville.  Total  assets of ACNB  Corporation  are  approximately  $545
million.  Adams County  National  Bank serves its  marketplace  via a network of
fourteen  community  banking  offices  located  throughout  Adams  County and in
Hanover. Farmers National Bank of Newville operates three banking offices in the
Newville, Cumberland County, area.



ACNB#99-03
March 1, 1999