UNITED STATES
                       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): January 5, 2005


                                ACNB CORPORATION
                                ----------------
             (Exact name of registrant as specified in its charter)



Pennsylvania                        0-11783                      23-2233457
----------------                  ------------               -------------------
(State or other                   (Commission                (IRS Employer
jurisdiction of                   File Number)               Identification No.)
incorporation)


 16 Lincoln Square Gettysburg, PA                                      17325
--------------------------------------------------------------------------------
(Address of principal executive offices)                             (Zip Code)

                                 (717) 334-3161
              ----------------------------------------------------
              (Registrant's telephone number, including area code)

         Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (
    17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))


<PAGE>


                                ACNB CORPORATION
                           CURRENT REPORT ON FORM 8-K

ITEM 8.01 Other Events

On January 5, 2005, ACNB Corporation and ACNB Acquisition Subsidiary, LLC
completed the acquisition of Russell Insurance Group, Inc. A more detailed
description of the transaction can be found under Item 1.01 and the Press
Release attached as Exhibit 99.1 of the Current Report on Form 8-K filed on
November 24, 2004.

                                    SIGNATURE

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.


ACNB CORPORATION



Date:  January 7, 2005                         BY: /s/ Thomas A. Ritter
                                               ------------------------------

                                               Name: Thomas A. Ritter
                                               Title: President
[{"type": "8-K", "sequence": "1", "filename": "acnb_8k.txt", "secsgml_size_bytes": 3063}]
{"company-data": {"conformed-name": "ACNB CORP", "cik": "0000715579", "assigned-sic": "6022", "irs-number": "232233457", "state-of-incorporation": "PA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-11783", "film-number": "05521045"}, "business-address": {"street1": "675 OLD HARRISBURG RD", "street2": "P O BOX 3129", "city": "GETTYSBURG", "state": "PA", "zip": "17325", "phone": "7173343161"}, "mail-address": {"street1": "P O BOX 3129", "street2": "675 OLD HARRISBURG RD", "city": "GETTYSBURG", "state": "PA", "zip": "17325"}}
UNITED STATES
                       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): January 5, 2005

                                ACNB CORPORATION
                                ----------------
             (Exact name of registrant as specified in its charter)

Pennsylvania                        0-11783                      23-2233457
----------------                  ------------               -------------------
(State or other                   (Commission                (IRS Employer
jurisdiction of                   File Number)               Identification No.)
incorporation)

 16 Lincoln Square Gettysburg, PA                                      17325
--------------------------------------------------------------------------------
(Address of principal executive offices)                             (Zip Code)

                                 (717) 334-3161
              ----------------------------------------------------
              (Registrant's telephone number, including area code)

         Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (
    17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))
ACNB CORPORATION
                           CURRENT REPORT ON FORM 8-K

ITEM 8.01 Other Events

On January 5, 2005, ACNB Corporation and ACNB Acquisition Subsidiary, LLC
completed the acquisition of Russell Insurance Group, Inc. A more detailed
description of the transaction can be found under Item 1.01 and the Press
Release attached as Exhibit 99.1 of the Current Report on Form 8-K filed on
November 24, 2004.

                                    SIGNATURE

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.

ACNB CORPORATION

Date:  January 7, 2005                         BY: /s/ Thomas A. Ritter
                                               ------------------------------

                                               Name: Thomas A. Ritter
                                               Title: President