content: SECURITIES AND EXCHANGE COMMISSION
                       Washington, D.C. 20549
  
  
  
                              FORM 8-K
  
                           CURRENT REPORT
  
  
  
                 Pursuant to Section 13 or 15(d) of 
                 The Securities Exchange Act of 1934
  
  Date of Report (Date of earliest event reported) October 11, 1995
  
               FRANKLIN FINANCIAL SERVICES CORPORATION              
       (Exact name of registrant as specified in its charter)
  
  
  
       Pennsylvania                0-12126          23-144083     
  (State or other jurisdiction  (Commission      (IRS Employer
         of incorporation)       File Number)     Ident. No.)
  
  
    20 South Main Street, Chambersburg, PA                17201   
  (Address of principal executive office)                (Zip Code)
  
  
  Registrant's telephone number,
                                including area code (717) 264-6116
  
                                N/A                               
  (Former name or former address, if changes since last report)
  
  
  
  
  
  
  
  
  
  
  
  
  Item 5.   Other Events.
  
         The press release of Franklin Financial Services Corporation
  dated October 11, 1995 relating to the declaration of a stock
  split in the form of a fifty percent (50%) stock dividend is
  attached hereto as Exhibit 99 and is incorporated by reference
  herein.
  
  Item 7.   Financial Statements, Pro Forma Financial Information
              and Exhibits.
  
                   (c)  Exhibits
  
              The following exhibits are filed herewith:
  
                                               Page Number in
            Exhibit                            Manually Signed
            Number         Description            Original    
  
              99      Press Release, dated            3
                      October 11, 1995, of 
                      Franklin Financial
                      Services Corporation
  
  
                             SIGNATURES
  
         Pursuant to the requirements of the Securities Exchange Act
  of 1934, the registrant has duly caused this report to be signed
  on its behalf by the undersigned hereunto duly authorized.
  
                           FRANKLIN FINANCIAL SERVICES CORPORATION
  
                           By: Robert G. Zullinger, Vice-Chairman 
                               and Chief Executive Officer
  
  
  Dated:  October 11, 1995
  
  
  
  
   
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
                             EXHIBIT 99
  
  
  NEWS RELEASE - October 11, 1995
  Franklin Financial Services Corporation
  Kenneth C. Ditzler (717) 264-6116
  
  
  
  
           Franklin Financial Declares 50% Stock Dividend
  
  
         The Board of Directors of Franklin Financial Services
  Corporation has declared a three for two stock split in the form
  of a fifty percent (50%) stock dividend.
  
         The stock dividend will be payable December 29, 1995 to
  shareholders of record on December 8, 1995.  This means that one
  additional share of stock will be issued for every two (2.00)
  shares held by shareholders.
  
         In addition, the Board declared a $.28 per share regular
  cash dividend for the fourth quarter 1995.  The cash dividend
  will bring the total cash dividend paid per share in 1995 to
  $1.08, a 10.2% increase over the cash dividends paid per share
  during 1994.  The cash dividend will be payable November 30,
  1995, to shareholders of record on November 10, 1995.
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metadata_filer: {"company-data": {"conformed-name": "FRANKLIN FINANCIAL SERVICES CORP /PA/", "cik": "0000723646", "assigned-sic": "6022", "irs-number": "251440803", "state-of-incorporation": "PA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-12126", "film-number": "95581159"}, "business-address": {"street1": "P O BOX T", "city": "CHAMBERSBURG", "state": "PA", "zip": "17201-0819", "phone": "7172646116"}, "mail-address": {"street1": "P O BOX T", "city": "CHAMBERSBURG", "state": "PA", "zip": "17201"}}
text: SECURITIES AND EXCHANGE COMMISSION
                       Washington, D.C. 20549
  
                              FORM 8-K
  
                           CURRENT REPORT
  
                 Pursuant to Section 13 or 15(d) of 
                 The Securities Exchange Act of 1934
  
  Date of Report (Date of earliest event reported) October 11, 1995
  
               FRANKLIN FINANCIAL SERVICES CORPORATION              
       (Exact name of registrant as specified in its charter)
  
       Pennsylvania                0-12126          23-144083     
  (State or other jurisdiction  (Commission      (IRS Employer
         of incorporation)       File Number)     Ident. No.)
  
    20 South Main Street, Chambersburg, PA                17201   
  (Address of principal executive office)                (Zip Code)
  
  Registrant's telephone number,
                                including area code (717) 264-6116
  
                                N/A                               
  (Former name or former address, if changes since last report)
  
  Item 5.   Other Events.
  
         The press release of Franklin Financial Services Corporation
  dated October 11, 1995 relating to the declaration of a stock
  split in the form of a fifty percent (50%) stock dividend is
  attached hereto as Exhibit 99 and is incorporated by reference
  herein.
  
  Item 7.   Financial Statements, Pro Forma Financial Information
              and Exhibits.
  
                   (c)  Exhibits
  
              The following exhibits are filed herewith:
  
                                               Page Number in
            Exhibit                            Manually Signed
            Number         Description            Original    
  
              99      Press Release, dated            3
                      October 11, 1995, of 
                      Franklin Financial
                      Services Corporation
  
                             SIGNATURES
  
         Pursuant to the requirements of the Securities Exchange Act
  of 1934, the registrant has duly caused this report to be signed
  on its behalf by the undersigned hereunto duly authorized.
  
                           FRANKLIN FINANCIAL SERVICES CORPORATION
  
                           By: Robert G. Zullinger, Vice-Chairman 
                               and Chief Executive Officer
  
  Dated:  October 11, 1995
  
   
  
                             EXHIBIT 99
  
  NEWS RELEASE - October 11, 1995
  Franklin Financial Services Corporation
  Kenneth C. Ditzler (717) 264-6116
  
           Franklin Financial Declares 50% Stock Dividend
  
         The Board of Directors of Franklin Financial Services
  Corporation has declared a three for two stock split in the form
  of a fifty percent (50%) stock dividend.
  
         The stock dividend will be payable December 29, 1995 to
  shareholders of record on December 8, 1995.  This means that one
  additional share of stock will be issued for every two (2.00)
  shares held by shareholders.
  
         In addition, the Board declared a $.28 per share regular
  cash dividend for the fourth quarter 1995.  The cash dividend
  will bring the total cash dividend paid per share in 1995 to
  $1.08, a 10.2% increase over the cash dividends paid per share
  during 1994.  The cash dividend will be payable November 30,
  1995, to shareholders of record on November 10, 1995.