GARY R. HOLDER JOINS ACNB BANK

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GETTYSBURG, PA, December 23---Gary R. Holder has joined ACNB Bank in the position of Vice President & Senior Commercial Loan Officer. He serves commercial customers by providing commercial loans, deposit accounts and other banking services to assist in the operation and growth of the customer's business. Mr. Holder works out of the Bank's Chambersburg Loan Office, located at 946 Lincoln Way East in Chambersburg, and serves the Franklin County area. The Bank will be opening a new full-service location in Chambersburg on Norland Avenue in 2014.

Mr. Holder has worked in the banking industry for 20 years, with 12 years of experience in the lending arena. He has completed a number of courses related to commercial lending through various banking associations. He is a graduate of the American Bankers Association's Commercial Lending School, as well as the Pennsylvania Bankers Association's Essentials of Commercial Lending Academy and Central Atlantic School of Commercial Lending. Mr. Holder's background also includes real estate-related education---he passed the PA Real Estate Exam after completing 60 hours of real estate license training.

Involved in the local community, Mr. Holder is an executive board member of The Boys and Girls Club of Chambersburg and Shippensburg, and is also past president of this organization. In addition, he is a past board member of the Salem United Brethren Church in Chambersburg, having served a five-year term in this role. He is also a current board member of the American Trauma Society, PA Division.

Mr. Holder resides in Franklin County with his wife, Jodi. They have four children---Tim, Hailey, Adam and Lewis.

ACNB Bank is a wholly-owned subsidiary of ACNB Corporation, an independent financial holding company with assets of $1 billion headquartered in Gettysburg, PA. Originally founded in 1857, ACNB Bank serves its marketplace via a network of 19 retail banking offices located throughout Adams County, PA, as well as in Dillsburg, Hanover and Spring Grove, York County, PA, and in Newville, Cumberland County, 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 35 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.

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