ACNB Corporation (ACNB) is a financial holding company. Through ACNB’s banking and non-banking subsidiaries, the Company provides a range of banking and financial services to individuals and businesses, including commercial and retail banking, trust and investment management, and insurance. As of December 31, 2011, the Company’s banking operations are conducted through its primary operating subsidiary, ACNB Bank (the Bank), with 19 retail banking offices in Adams, Cumberland, and York Counties, as well as two loan production offices in York and Franklin Counties, Pennsylvania. The Company’s Non-Banking Subsidiaries include Russell Insurance Group, Inc. (RIG) and BankersRe Insurance Group, SPC.ACNB Bank is a full-service commercial bank operating under a charter from the Pennsylvania Department of Banking. RIG is a full-service insurance agency that offers a range of property and casualty, life, and health insurance to both commercial and individual clients.