| $150,000–350,000 | 201 NORTH QUEEN STREET ASSOCIATES LLC | LANCASTER, PA | ACNB Bank |
| $150,000–350,000 | 270NET TECHNOLOGIES, INC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | A.C. RIMMER INC. | MECHANICSBURG, PA | ACNB Bank |
| $150,000–350,000 | A/C SERVICE & REPAIR, INC | YORK, PA | ACNB Bank |
| $150,000–350,000 | AD&C ENTERPRISES, LLC | YORK, PA | ACNB Bank |
| $150,000–350,000 | ADAMS COUNTY AUTO SUPPLY, INC. | GETTYSBURG, PA | ACNB Bank |
| $150,000–350,000 | ADAMS COUNTY LIBRARY SYSTEMS, INC. | GETTYSBURG, PA | ACNB Bank |
| $350,000–1 million | AIRPARK ANIMAL HOSPITAL, LTD | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | ALL ABOUT KIDS LEARNING CENTER, LLC | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | AMBER HILL PHYSICAL THERAPY INC. | FREDERICK, MD | ACNB Bank |
| $1–2 million | AMZ MANUFACTURING CORPORATION | YORK, PA | ACNB Bank |
| $150,000–350,000 | ANDOCHICK SURGICAL CENTER, LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | APM, INC. | ARENDTSVILLE, PA | ACNB Bank |
| $2–5 million | AQUAPHOENIX SCIENTIFIC, INC. | HANOVER, PA | ACNB Bank |
| $150,000–350,000 | AVIATION INSURANCE RESOURCES, LLC | FREDERICK, MD | ACNB Bank |
| $2–5 million | AXIOM SYSTEMS, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | BABYLON VAULT COMPANY, INC. | NEW WINDSOR, MD | ACNB Bank |
| $350,000–1 million | BATTLEFIELD MOTORCYCLES, INC. | GETTYSBURG, PA | ACNB Bank |
| $1–2 million | BAY CAPITAL MORTGAGE CORPORATION | ANNAPOLIS, MD | ACNB Bank |
| $150,000–350,000 | BAY CITY SEAFOOD COMPANY INC | HANOVER, PA | ACNB Bank |
| $350,000–1 million | BDR EXPRESS, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | BEAR MOUNTAIN ORCHARDS, INC | ASPERS, PA | ACNB Bank |
| $350,000–1 million | BEHAVIORAL HEALTH INDUSTRY NEWS INC | GETTYSBURG, PA | ACNB Bank |
| $150,000–350,000 | BELLEZA HAIR & NAIL STUDIO INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | BENNETT CREEK ANIMAL HOSPITAL LLC | CLARKSBURG, MD | ACNB Bank |
| $150,000–350,000 | BLACK HOPS FARM LLC | LEESBURG, VA | ACNB Bank |
| $150,000–350,000 | BLAKEY, YOST, BUPP & RAUSCH, LLP | YORK, PA | ACNB Bank |
| $150,000–350,000 | BOGGS ENVIRONMENTAL CONSULTANTS, INC. | MIDDLETOWN, MD | ACNB Bank |
| $350,000–1 million | BOLLINGER CONSTRUCTION, INC | EMMITSBURG, MD | ACNB Bank |
| $350,000–1 million | BRANDENBURG ELECTRIC, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | BREAM ORCHARDS, INC | ORRTANNA, PA | ACNB Bank |
| $350,000–1 million | BUESO & FORMAN INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | BUFFALO CONSTRUCTION COMPANY, INC | MANCHESTER, MD | ACNB Bank |
| $350,000–1 million | BURKENTINE & SONS BUILDERS INC. | HANOVER, PA | ACNB Bank |
| $150,000–350,000 | BUSINESS MANAGEMENT COMPANY, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | BYBEL RUTLEDGE LLP | LEMOYNE, PA | ACNB Bank |
| $150,000–350,000 | C3 ROOFING & REMODELING INC | HANOVER, PA | ACNB Bank |
| $150,000–350,000 | CANADOCHLY CONSTRUCTION, INC. | YORK, PA | ACNB Bank |
| $150,000–350,000 | CARMA INDUSTRIAL COATINGS, INC | NEW OXFORD, PA | ACNB Bank |
| $350,000–1 million | CARROLL LAND SERVICES INC | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | CERESVILLE ASSOCIATES, INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | CHARLES L BOPST TRUCKING INC | SYKESVILLE, MD | ACNB Bank |
| $150,000–350,000 | CHRISTINE W. GERNHART, DVM, PA | LUTHERVILLE TIMONIUM, MD | ACNB Bank |
| $150,000–350,000 | CHS LANDSCAPING, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | CHS TRAFFIC CONTROL SERVICES INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | CHURCH OF THE OPEN DOOR | WESTMINSTER, MD | ACNB Bank |
| $1–2 million | CINDELL CONSTRUCTION COMPANY, INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | COGAN INSURANCE ADVISORS, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | COLONIAL SASH & DOOR, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | COMMUNITY HEALTH PARTNERS, LLC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | CONDON'S AUTO PARTS, INC. | WESTMINSTER, MD | ACNB Bank |
| $350,000–1 million | CUSTOM GLASS SERVICES, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | D & D DRILLING, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | D.E. WILDASIN & SON, LLC | SPRING GROVE, PA | ACNB Bank |
| $150,000–350,000 | DILLSBURG SEPTIC EXCAVATING & PAVING INC | DILLSBURG, PA | ACNB Bank |
| $150,000–350,000 | DNA LAB, LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | DUTCH'S AT SILVERTREE, LLC | OAKLAND, MD | ACNB Bank |
| $350,000–1 million | DUTCH'S DAUGHTER, INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | EAGLE OIL COMPANY, INC | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | EASTERN TECHNICAL, INC. | BALTIMORE, MD | ACNB Bank |
| $350,000–1 million | EJO III INC | HANOVER, PA | ACNB Bank |
| $150,000–350,000 | ENFORME INTERACTIVE INC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | ESSENTIAL SYSTEMS SOLUTIONS LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | EVANGELICAL LUTHERAN CHURCH OF FREDERICK COUNTY, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | EXTREME MANUFACTURING, INC. | SAINT THOMAS, PA | ACNB Bank |
| $150,000–350,000 | FANELLI, EVANS & PATEL, P.C. | POTTSVILLE, PA | ACNB Bank |
| $150,000–350,000 | FARM AND HOME SERVICE INC | SYKESVILLE, MD | ACNB Bank |
| $150,000–350,000 | FIRE MAK, INC. | ELDERSBURG, MD | ACNB Bank |
| $350,000–1 million | FLYING COLORS OF SUCCESS INC | WESTMINSTER, MD | ACNB Bank |
| $350,000–1 million | FOGLE'S SEPTIC CLEAN, INC | SYKESVILLE, MD | ACNB Bank |
| $150,000–350,000 | FOUT CRANE AND RIGGING LLC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | FREDERICK DELIGHTS, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | FREDERICK FOOT AND ANKLE SPECIALISTS, P.C. | FREDERICK, MD | ACNB Bank |
| $2–5 million | FREDERICK PRIMARY CARE ASSOCIATES, PA | BRUNSWICK, MD | ACNB Bank |
| $150,000–350,000 | FRIENDS MEETING SCHOOL, INC. | IJAMSVILLE, MD | ACNB Bank |
| $350,000–1 million | GABE'S SERVICES, INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | GARDEN SPOT GIFTS INC | GETTYSBURG, PA | ACNB Bank |
| $350,000–1 million | GATHAGAN INVESTMENT CO, LP | HYDE, PA | ACNB Bank |
| $350,000–1 million | GENE LATTA FORD, INC. | HANOVER, PA | ACNB Bank |
| $150,000–350,000 | GEORGE M. WILDASIN C.E., INC. | NEW OXFORD, PA | ACNB Bank |
| $150,000–350,000 | GLAMOUR MOVING CO INC | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | GORDON & SIMMONS, LLC | FREDERICK, MD | ACNB Bank |
| $1–2 million | GRAPHCOM, INC. | GETTYSBURG, PA | ACNB Bank |
| $150,000–350,000 | GRIMSTER-MAGOO INC | GETTYSBURG, PA | ACNB Bank |
| $1–2 million | H & H CASTINGS, INC. | YORK, PA | ACNB Bank |
| $1–2 million | H&H GENERAL EXCAVATING CO. | SPRING GROVE, PA | ACNB Bank |
| $150,000–350,000 | HABITAT FOR HUMANITY OF FREDERICK COUNTY, MD | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | HANOVER SHOE FARMS, INC. | HANOVER, PA | ACNB Bank |
| $150,000–350,000 | HARRY A POOLE SR CONTRACTOR, INC. | WALKERSVILLE, MD | ACNB Bank |
| $150,000–350,000 | HAWK INDUSTRIES, INC | LITTLESTOWN, PA | ACNB Bank |
| $150,000–350,000 | HF,LLC | DOVER, PA | ACNB Bank |
| $350,000–1 million | HOCKSTAD ENTERPRISES, INC. | MANCHESTER, MD | ACNB Bank |
| $150,000–350,000 | HOKE MILLS, INC. | ABBOTTSTOWN, PA | ACNB Bank |
| $150,000–350,000 | HOLISTIC HEALTH ASSOCIATES, INC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | HOLTZOPLE'S, INC | EMMITSBURG, MD | ACNB Bank |
| $150,000–350,000 | HOPWOOD ENTERPRISES, INC. | BRUNSWICK, MD | ACNB Bank |
| $350,000–1 million | HOSPITALITY MANAGEMENT CORP | ABBOTTSTOWN, PA | ACNB Bank |
| $350,000–1 million | HULL'S ELECTRIC SERVICE, INC. | GETTYSBURG, PA | ACNB Bank |
| $150,000–350,000 | IMPACT DISASTER SERVICES LLC | YORK, PA | ACNB Bank |
| $350,000–1 million | INTEGRAL COMPONENTS, INC. | WESTMINSTER, MD | ACNB Bank |