<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2023v5.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2024-05-01T15:14:08-04:00</ReturnTs>
    <TaxPeriodEndDt>2023-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>453819215</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>RAFFENSPERGER MARTIN &amp; FINKENBINER LLC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>34 W MIDDLE ST STE 1</AddressLine1Txt>
        <CityNm>GETTYSBURG</CityNm>
        <StateAbbreviationCd>PA</StateAbbreviationCd>
        <ZIPCd>17325</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2023-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>236888951</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>EVA ROTHHAUPT PAPE STUDENT LOAN FUN</BusinessNameLine1Txt>
        <BusinessNameLine2Txt>ACNB BANK TRUSTEE</BusinessNameLine2Txt>
      </BusinessName>
      <BusinessNameControlTxt>EVAR</BusinessNameControlTxt>
      <PhoneNum>7173395364</PhoneNum>
      <USAddress>
        <AddressLine1Txt>PO BOX 4566</AddressLine1Txt>
        <CityNm>GETTYSBURG</CityNm>
        <StateAbbreviationCd>PA</StateAbbreviationCd>
        <ZIPCd>17325</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>ACNB BANK TRUST DEPARTMENT</PersonNm>
      <PersonTitleTxt>TRUSTEE</PersonTitleTxt>
      <PhoneNum>7173395364</PhoneNum>
      <SignatureDt>2024-04-18</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <SigningOfficerGrp>
      <PersonFullName>
        <PersonFirstNm>ROBIN</PersonFirstNm>
        <PersonLastNm>MURRAY</PersonLastNm>
      </PersonFullName>
      <SSN>999009999</SSN>
    </SigningOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>JOHN R MARTIN III CPA</PreparerPersonNm>
      <PTIN>P01310773</PTIN>
      <PhoneNum>7173371414</PhoneNum>
      <PreparationDt>2024-04-24</PreparationDt>
      <SelfEmployedInd>X</SelfEmployedInd>
    </PreparerPersonGrp>
    <TaxYr>2023</TaxYr>
    <BuildTS>2023-04-26 12:10:37Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="10">
    <IRS990PF documentId="RetDoc10">
      <Organization4947a1TrtdPFInd>X</Organization4947a1TrtdPFInd>
      <FMVAssetsEOYAmt>6770378</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <InterestOnSavRevAndExpnssAmt>34575</InterestOnSavRevAndExpnssAmt>
        <InterestOnSavNetInvstIncmAmt>34575</InterestOnSavNetInvstIncmAmt>
        <InterestOnSavingsAdjNetIncmAmt>34575</InterestOnSavingsAdjNetIncmAmt>
        <DividendsRevAndExpnssAmt>186801</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>186801</DividendsNetInvstIncmAmt>
        <DividendsAdjNetIncmAmt>186801</DividendsAdjNetIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt>-60414</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>518915</GrossSalesPriceAmt>
        <TotalRevAndExpnssAmt>160962</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>221376</TotalNetInvstIncmAmt>
        <TotalAdjNetIncmAmt>221376</TotalAdjNetIncmAmt>
        <CompOfcrDirTrstRevAndExpnssAmt>22855</CompOfcrDirTrstRevAndExpnssAmt>
        <CompOfcrDirTrstNetInvstIncmAmt>22855</CompOfcrDirTrstNetInvstIncmAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="RetDoc1">550</AccountingFeesRevAndExpnssAmt>
        <AccountingFeesChrtblPrpsAmt>550</AccountingFeesChrtblPrpsAmt>
        <OtherProfFeesRevAndExpnssAmt referenceDocumentId="RetDoc8">15236</OtherProfFeesRevAndExpnssAmt>
        <OtherProfFeesNetInvstIncmAmt>15236</OtherProfFeesNetInvstIncmAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="RetDoc9">264</TaxesRevAndExpnssAmt>
        <TotOprExpensesRevAndExpnssAmt>38905</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>38091</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>550</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>336408</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>336408</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>375313</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>38091</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>336958</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-214351</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>183285</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>221376</AdjustedNetIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>25001</CashBOYAmt>
        <SavAndTempCashInvstBOYAmt>156928</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>201641</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>201641</SavAndTempCashInvstEOYFMVAmt>
        <OtherNtsAndLoansRcvblAmt>231232</OtherNtsAndLoansRcvblAmt>
        <OtherNtsAndLoansRcvblBOYAmt>235827</OtherNtsAndLoansRcvblBOYAmt>
        <OtherNtsAndLoansRcvblEOYAmt referenceDocumentId="RetDoc7">231232</OtherNtsAndLoansRcvblEOYAmt>
        <OtherNtsAndLoansRcvblEOYFMVAmt>231232</OtherNtsAndLoansRcvblEOYFMVAmt>
        <USGovernmentObligationsBOYAmt>250309</USGovernmentObligationsBOYAmt>
        <CorporateStockBOYAmt>3519750</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="RetDoc4">2860894</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>3887351</CorporateStockEOYFMVAmt>
        <CorporateBondsBOYAmt>1900998</CorporateBondsBOYAmt>
        <CorporateBondsEOYAmt referenceDocumentId="RetDoc3">2630239</CorporateBondsEOYAmt>
        <CorporateBondsEOYFMVAmt>2450154</CorporateBondsEOYFMVAmt>
        <TotalAssetsBOYAmt>6088813</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>5924006</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>6770378</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <RetainedEarningBOYAmt>6088813</RetainedEarningBOYAmt>
        <RetainedEarningEOYAmt>5924006</RetainedEarningEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>6088813</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>5924006</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>6088813</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>5924006</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>6088813</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-214351</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt referenceDocumentId="RetDoc6">54266</OtherIncreasesAmt>
        <SubtotalAmt>5928728</SubtotalAmt>
        <OtherDecreasesAmt referenceDocumentId="RetDoc5">4722</OtherDecreasesAmt>
        <TotNetAstOrFundBalancesEOYAmt>5924006</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ACNB L/T PUBLICLY TRADED SECURITIES</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GrossSalesPriceAmt>476853</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>579329</CostOrOtherBasisAmt>
          <GainOrLossAmt>-102476</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-102476</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapitalGainNetIncomeAmt>-60414</CapitalGainNetIncomeAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>2548</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>2548</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>2548</TaxBasedOnInvestmentIncomeAmt>
        <EstimatedPlusOvpmtIncmTxAmt>1920</EstimatedPlusOvpmtIncmTxAmt>
        <TotalPaymentsAndCreditsAmt>1920</TotalPaymentsAndCreditsAmt>
        <TaxDueAmt>628</TaxDueAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>true</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <Form990PFFiledWithAttyGenInd referenceDocumentId="RetDoc2">false</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <IndividualWithBooksNm>ACNB BANK TRUST DEPARTMENT</IndividualWithBooksNm>
        <PhoneNum>7173395364</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>PO BOX 4565</AddressLine1Txt>
          <CityNm>GETTYSBURG</CityNm>
          <StateAbbreviationCd>PA</StateAbbreviationCd>
          <ZIPCd>17325</ZIPCd>
        </LocationOfBooksUSAddress>
        <NECTFilingInLieuOFForm1041Ind>X</NECTFilingInLieuOFForm1041Ind>
        <ForeignAccountsQuestionInd>false</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>false</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>false</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>false</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>false</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>false</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>false</PaymentToGovernmentOfficialInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <BusinessHoldingsInd>false</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>false</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>false</InfluenceLegislationInd>
        <InfluenceElectionInd>false</InfluenceElectionInd>
        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>ACNB BANK TRUST DEPARTMENT</PersonNm>
          <USAddress>
            <AddressLine1Txt>PO BOX 4565</AddressLine1Txt>
            <CityNm>GETTYSBURG</CityNm>
            <StateAbbreviationCd>PA</StateAbbreviationCd>
            <ZIPCd>17325</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>2.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>22855</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SumOfProgramRelatedInvstGrp>
        <Description1Txt>N/A</Description1Txt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>6411624</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>191785</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>6603409</TotalFMVOfUnusedAssetsAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>6603409</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>99051</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>6504358</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>325218</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>325218</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>2548</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>2548</TotalTaxAmt>
        <DistributableBeforeAdjAmt>322670</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>322670</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>322670</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>336958</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>336958</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>322670</DistributableAsAdjustedAmt>
        <UndistributedIncomePYAmt>336958</UndistributedIncomePYAmt>
        <QualifyingDistributionsAmt>336958</QualifyingDistributionsAmt>
        <AppliedToYear1Amt>336958</AppliedToYear1Amt>
        <UndistributedIncomeCYAmt>322670</UndistributedIncomeCYAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <ApplicationSubmissionInfoGrp>
          <RecipientPersonNm>GETTYSBURG COLLEGE</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>300 N WASHINGTON ST</AddressLine1Txt>
            <CityNm>GETTYSBURG</CityNm>
            <StateAbbreviationCd>PA</StateAbbreviationCd>
            <ZIPCd>17325</ZIPCd>
          </RecipientUSAddress>
          <RecipientPhoneNum>7173376100</RecipientPhoneNum>
          <FormAndInfoAndMaterialsTxt>N/A</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>NONE</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>N/A</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>GETTYSBURG COLLEGE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>300 N WASHINGTON STREET</AddressLine1Txt>
            <CityNm>GETTYSBURG</CityNm>
            <StateAbbreviationCd>PA</StateAbbreviationCd>
            <ZIPCd>17325</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>STUDENT TUITION</GrantOrContributionPurposeTxt>
          <Amt>336408</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>336408</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>34575</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>186801</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>-60414</ExclusionAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>160962</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>160962</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="RetDoc1">
      <AccountingFeesDetail>
        <CategoryTxt>ACCOUNTING FEES</CategoryTxt>
        <Amt>550</Amt>
        <DisbursementsCharitablePrpsAmt>550</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <ExplnOfNonFilingWithAGStmt documentId="RetDoc2">
      <ExplanationTxt>PENNSYLVANIA ONLY REQUIRES PRIVATE FOUNDATIONS TO SUBMIT 990-PF. THE ORGANIZATION IS A NON-EXEMPT CHARITABLE TRUST AS DEFINED IN SECTION 4947 (A)(1)</ExplanationTxt>
    </ExplnOfNonFilingWithAGStmt>
    <InvestmentsCorpBondsSchedule documentId="RetDoc3">
      <InvestmentsCorporateBondsGrp>
        <BondNm>ACNB TRUST</BondNm>
        <EOYBookValueAmt>2630239</EOYBookValueAmt>
        <EOYFMVAmt>2450154</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc4">
      <InvestmentsCorporateStockGrp>
        <StockNm>ACNB TRUST</StockNm>
        <EOYBookValueAmt>2860894</EOYBookValueAmt>
        <EOYFMVAmt>3887351</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherDecreasesSchedule documentId="RetDoc5">
      <OtherDecreasesDetail>
        <Desc>PAYMENT REVERSAL</Desc>
        <Amt>4688</Amt>
      </OtherDecreasesDetail>
      <OtherDecreasesDetail>
        <Desc>ADJUSTMENT TO COST BASIS FOR STUDENT LOAN</Desc>
        <Amt>34</Amt>
      </OtherDecreasesDetail>
    </OtherDecreasesSchedule>
    <OtherIncreasesSchedule documentId="RetDoc6">
      <OtherIncreasesDetail>
        <Desc>STUDENT LOAN DEPOSITS</Desc>
        <Amt>53587</Amt>
      </OtherIncreasesDetail>
      <OtherIncreasesDetail>
        <Desc>NONDIVIDEND DISTRIBUTION</Desc>
        <Amt>679</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <OtherNotesLoansRcvblShortSch2 documentId="RetDoc7">
      <OtherNotesLoansRcvblShortGrp>
        <Organization501c3Name>
          <BusinessNameLine1Txt>OTHER LOANS RECEIVABLE</BusinessNameLine1Txt>
        </Organization501c3Name>
        <BalanceDueAmt>231232</BalanceDueAmt>
      </OtherNotesLoansRcvblShortGrp>
    </OtherNotesLoansRcvblShortSch2>
    <OtherProfessionalFeesSchedule documentId="RetDoc8">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>ACNB INVEST MGMT FEE</CategoryTxt>
        <Amt>15236</Amt>
        <NetInvestmentIncomeAmt>15236</NetInvestmentIncomeAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="RetDoc9">
      <TaxesDetail>
        <CategoryTxt>FEDERAL FORM 990 TAX</CategoryTxt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FEDERAL FORM 990 ESTIMATED TAX E</CategoryTxt>
        <Amt>264</Amt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>
