723646--3/13/2006--FRANKLIN_FINANCIAL_SERVICES_CORP

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{stock, price, share}

{condition, economic, financial}

{loan, real, estate}

{provision, law, control}

{competitive, industry, competition}

{loss, insurance, financial}

{personnel, key, retain}

{property, intellectual, protect}

{cost, regulation, environmental}

Risk Factors Relating to the Corporation Our focus on commercial loans may increase the risk of substantial credit losses. Our allowance for loan losses may prove to be insufficient to absorb potential losses in our loan portfolio. Our lending limit is smaller than We depend on the services of our Management team and the unexpected loss of any member of the Management team could disrupt our operations and may adversely affect our operations. We face strong competition in our primary market areas. We are affected by local, regional and national economic conditions over which we have no control. Changes in interest rates could have an adverse impact upon our results of operations. We are subject to extensive governmental regulation. We may need to spend significant money to keep up with technology so we can remain competitive. Risks relating to pending acquisition of Fulton Bancshares Corporation. Risk Factors Relating to the Common Stock Investments in our common stock are not insured by the FDIC. There is a limited trading market for our common stock. The Bank s ability to pay dividends to the Corporation is subject to regulatory limitations which may affect the Corporation s ability to pay dividends to our shareholders.

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723646--3/13/2006--FRANKLIN_FINANCIAL_SERVICES_CORP_/PA/