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: November 12, 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 November 12, 2004, ACNB Corporation, holding company for Adams
County National Bank, issued a press release announcing its financial results
for the third quarter ended September 30, 2004. 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
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Thomas A. Ritter
President/CEO
Dated: November 12, 2004
EXHIBIT INDEX
Exhibit Number Description
99.1 Earnings Press Release for the quarter ended \
September 30, 2004