ACNB : Bank Celebrates 165th Anniversary

PRESS RELEASE

FOR IMMEDIATE RELEASE

Contact: Lauren J. Muzzy

Vice President

Corporate Relations Officer [e-mail]

ACNB BANK CELEBRATES 165TH ANNIVERSARY

GETTYSBURG, PA, April 7, 2022 --- On April 11, 2022, ACNB Bank will commemorate 165 years since its

founding as The Farmers' and Mechanics' Savings Institution of Adams County. What began as a savings

institution with one location on Lincoln Square in Gettysburg in 1857 has become a vibrant and successful

community bank in 2022 with 31 community banking offices and three loan offices spanning four counties in

southcentral Pennsylvania and two counties in central Maryland.

Over the decades since its origin, ACNB Bank has prospered and continues to do business founded

upon the commitment to customers, employees, shareholders and the community. According to James P. Helt,

ACNB Bank President & Chief Executive Officer, "The banking industry has certainly evolved and witnessed

many changes in the delivery of banking services since 1857. However, the concepts of serving customers'

financial needs and building customer relationships remain fundamental and are paramount to our longevity

now and in the future."

ACNB Bank's long history reinforces the tradition and importance of the community banking model

of reinvesting depositors' dollars in loans to others for the economic benefit of the shared community. This

responsibility, as an integral member of the local community, entails serving the financial needs of consumers,

businesses, and other entities each business day, as well as providing meaningful job opportunities to local

residents.

ACNB BANK

Press Release/ACNB Bank Celebrates 165th Anniversary

April 7, 2022

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"ACNB Bank has worked hard to remain an independent community bank since 1857. With a rich history spanning 165 years, ACNB Bank has proven its resiliency time and time again to overcome the adversity arising from wars, pandemics and economic recessions alike. Today, we proudly stand at $2.8 billion in assets, growing over the years through both organic and inorganic strategic initiatives approved by the Board of Directors," Mr. Helt added.

ACNB Bank's 165th Anniversary celebration is focused on sharing the Bank's genuine appreciation for the many years of valued business earned, while reinforcing its continued commitment to provide a broad array of financial products, services and technology to the customers in the communities served.

ACNB Bank is a wholly-owned subsidiary of ACNB Corporation, an independent $2.8 billion financial holding company headquartered in Gettysburg, PA. Originally founded in 1857, ACNB Bank serves its marketplace with banking and wealth management services, including trust and retail brokerage, via a network of 20 community banking offices, located in the four southcentral Pennsylvania counties of Adams,

Cumberland, Franklin and York, as well as loan offices in Lancaster and York, PA, and Hunt Valley, MD. As divisions of ACNB Bank operating in Maryland, FCB Bank and NWSB Bank serve the local marketplace with a network of five and six community banking offices located in Frederick County and Carroll County, MD, respectively. Affiliated with ACNB Bank is ACNB Insurance Services, Inc., a full-service insurance agency with licenses in 44 states and the other wholly-owned subsidiary of ACNB Corporation. The agency offers a broad range of property, casualty, health, life and disability insurance serving personal and commercial clients through office locations in Westminster, Germantown and Jarrettsville, MD, and Gettysburg, PA. For more information regarding ACNB Bank, please visit acnb.com.

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ACNB BANK

Press Release/ACNB Bank Celebrates 165th Anniversary

April 7, 2022

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Photo Caption:

ACNB Bank is celebrating its 165th Anniversary on April 11, 2022. The community banking office situated at 16 Lincoln Square in Gettysburg is the Bank's original historic site of founding in 1857.

ACNB #2022-13

April 7, 2022