ACNB : Frank E. Koser II Joins ACNB Bank

FOR IMMEDIATE RELEASE

Press Release

FOR IMMEDIATE RELEASE

Contact: Lauren J. Muzzy

Vice President/Corporate Relations Officer 717-339-5103

[e-mail]

FRANK E. KOSER II JOINS ACNB BANK

GETTYSBURG, PA, April 19, 2016 --- Frank E. Koser II has joined ACNB Bank in the position of Vice President/Commercial Loan Officer. In this role, he is responsible for building commercial customer relationships by providing commercial loans, deposit accounts, and other banking services to assist in the operation and growth of a customer's business. Mr. Koser is based at the Bank's York Loan Office, located at 1601 South Queen Street in York, and serves commercial customers in the greater York area.

Mr. Koser has worked in the banking industry in southcentral Pennsylvania for more than 27 years, with 22 years of experience in the lending arena. Following graduation from Big Spring High School in Newville, he attended Shippensburg University where he earned a Bachelor of Science in Business Administration with a concentration in Marketing. Mr. Koser has also completed various banking courses and programs during his career, including the Central Atlantic School of Banking, Central Atlantic Advanced School of Banking, and School of Commercial Lending through the PA Bankers Association.

Mr. Koser is a member of the Rotary Club of York. He and his wife, Laura, reside in Glen Rock.

# # # Editor's Note: About ACNB Bank

ACNB Bank is a wholly-owned subsidiary of ACNB Corporation, an independent financial holding company with assets of $1.1 billion headquartered in Gettysburg, PA. Originally founded in 1857, ACNB Bank serves its marketplace with banking and trust services via a network of 21 retail banking offices located in the four southcentral Pennsylvania counties of Adams, Cumberland, Franklin and York. In addition, the Bank operates a

ACNB BANK Press Release/Koser April 19, 2016 Page 2

loan office in York, PA. The other wholly-owned subsidiary of ACNB Corporation is Russell Insurance Group, Inc., its insurance subsidiary. Russell Insurance Group, Inc. offers a broad range of commercial and personal insurance lines with licenses in 42 states, including Pennsylvania and Maryland, through offices in Westminster, Carroll County, and Germantown, Montgomery County, MD. For more information regarding ACNB Corporation and its subsidiaries, please visit acnb.com.

PHOTO ENCLOSED ACNB #2016-16

April 19, 2016