715579--3/15/2006--ACNB

related topics

{condition, economic, financial}

{competitive, industry, competition}

{product, liability, claim}

{loss, insurance, financial}

{debt, indebtedness, cash}

{personnel, key, retain}

{regulation, government, change}

{control, financial, internal}

ACNB IS SUBJECT TO INTEREST RATE RISK ACNB IS SUBJECT TO CREDIT RISK ACNB S ALLOWANCE FOR LOAN LOSSES MAY BE INSUFFICIENT COMPETITION FROM OTHER FINANCIAL INSTITUTIONS MAY ADVERSELY AFFECT ACNB S PROFITABILITY. ACNB S CONTROLS AND PROCEDURES MAY FAIL OR BE CIRCUMVENTED ACNB S ABILITY TO PAY DIVIDENDS DEPENDS PRIMARILY ON DIVIDENDS FROM ITS BANKING SUBSIDIARY, WHICH IS SUBJECT TO REGULATORY LIMITS. ACNB S PROFITABILITY DEPENDS SIGNIFICANTLY ON ECONOMIC CONDITIONS IN THE COMMONWEALTH OF PENNSYLVANIA AND THE STATE OF MARYLAND. NEW LINES OF BUSINESS OR NEW PRODUCTS AND SERVICES MAY SUBJECT ACNB TO ADDITIONAL RISKS. ACNB MAY NOT BE ABLE TO ATTRACT AND RETAIN SKILLED PEOPLE ACNB IS SUBJECT TO CLAIMS AND LITIGATION PERTAINING TO FIDUCIARY RESPONSIBILITY THE TRADING VOLUME IN ACNB S COMMON STOCK IS LESS THAN THAT OF OTHER LARGER FINANCIAL SERVICES COMPANIES ACNB OPERATES IN A HIGHLY REGULATED ENVIRONMENT AND MAY BE ADVERSELY AFFECTED BY CHANGES IN FEDERAL, STATE AND LOCAL LAWS AND REGULATIONS.

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715579--3/15/2006--ACNB_CORP