| $350,000–1 million | INTELICE SOLUTIONS LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | J & J 2000, INC. | LITTLESTOWN, PA | ACNB Bank |
| $350,000–1 million | J MAHALCHICK ENTERPRISES, INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | J&J FURNITURE, INC. | MIDDLETOWN, MD | ACNB Bank |
| $350,000–1 million | J&W CAULKING APPLICATORS, INC. | NEW OXFORD, PA | ACNB Bank |
| $350,000–1 million | J.E. SMITH SERVICES, INC. | YORK, PA | ACNB Bank |
| $150,000–350,000 | JDMC, INC | YORK, PA | ACNB Bank |
| $350,000–1 million | JEFF BARNES CHEVROLET, INC. | SYKESVILLE, MD | ACNB Bank |
| $150,000–350,000 | JOHAM, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | JOHN N GALLAGHER POOL SERVICE & SUPPLY, INC. | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | JOSEPH F. DEVILBISS CONSTRUCTION CO. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | JPJ, INC. | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | JT MOTORSPORTS, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | K-HILL MOTORSPORTS, LLC | ABBOTTSTOWN, PA | ACNB Bank |
| $350,000–1 million | KEENER, INC. | MECHANICSBURG, PA | ACNB Bank |
| $150,000–350,000 | KELLY DORSEY, P.C. | COLUMBIA, MD | ACNB Bank |
| $150,000–350,000 | KERSHNER & TREPPER DENTAL ASSOCIATES, P.A. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | LABS, (LABORATORY ANALYTICAL AND BIOLOGICAL SERVICES), INC. | NEW OXFORD, PA | ACNB Bank |
| $150,000–350,000 | LAURA PAGE WARDEN, DVM, PA | IJAMSVILLE, MD | ACNB Bank |
| $150,000–350,000 | LAWYERS SIGNATURE SETTLEMENTS, LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | LEISTER'S FURNITURE, INC. | HANOVER, PA | ACNB Bank |
| $150,000–350,000 | LEVEL LANDSCAPE, LLC | WOODBINE, MD | ACNB Bank |
| $150,000–350,000 | LIGHTHOUSE FINANCIAL ADVISORS, INC. | NEW MARKET, MD | ACNB Bank |
| $150,000–350,000 | LOSBERGER US, LLC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | LOUDON INDUSTRIES, INC. | MERCERSBURG, PA | ACNB Bank |
| $1–2 million | MAGSTONE, LLC | UNION BRIDGE, MD | ACNB Bank |
| $150,000–350,000 | MANN & HENRY PODIATRY SERVICES LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | MARINE AIR SUPPLY CO., INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | MARYLAND MOBILE VETERINARY CLINIC LLC | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | MASTERS ELECTRICAL CONSTRUCTION, LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | MATTHEW M. HOFF | NEW WINDSOR, MD | ACNB Bank |
| $150,000–350,000 | MAX & RUFFY'S LLC | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | MAY EYE CARE PC | HANOVER, PA | ACNB Bank |
| $150,000–350,000 | MAYSTAR SYSTEMS INCORPORATED | ELDERSBURG, MD | ACNB Bank |
| $350,000–1 million | MCCUTCHEON APPLE PRODUCTS, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | MEADIA HEIGHTS GOLF CLUB, LLC | LANCASTER, PA | ACNB Bank |
| $350,000–1 million | MERIT BUILDERS, INC. | ROCKY RIDGE, MD | ACNB Bank |
| $350,000–1 million | METLFAB, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | MIDDLETOWN UNITED METHODIST CHURCH | MIDDLETOWN, MD | ACNB Bank |
| $150,000–350,000 | MONOCACY START CENTER, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | MONTESSORI SCHOOL OF WESTMINSTER | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | MT. AIRY INN, LLC | MOUNT AIRY, MD | ACNB Bank |
| $150,000–350,000 | MT. NEBO UNITED METHODIST CHURCH | BOONSBORO, MD | ACNB Bank |
| $150,000–350,000 | NAPOLI, INC. | MOUNT AIRY, MD | ACNB Bank |
| $350,000–1 million | NEW ERA CUSTOM DESIGN AND CABINET WORKS, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | NEW LINE ELECTRIC LLC | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | NEW YORK, NEW YORK SALON, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | NORTH STAR FOUNDATIONS, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | OCKER & ASSOCIATES | FAYETTEVILLE, PA | ACNB Bank |
| $150,000–350,000 | OPEN PROFESSIONAL GROUP, INC | WESTMINSTER, MD | ACNB Bank |
| $350,000–1 million | ORASES CONSULTING CORPORATON | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | PARLIGHTS CONCERT LIGHTING, INC. | FREDERICK, MD | ACNB Bank |
| $1–2 million | PENN WOOD PRODUCTS, INC. | EAST BERLIN, PA | ACNB Bank |
| $150,000–350,000 | PFG CAPITAL, INC. | YORK, PA | ACNB Bank |
| $350,000–1 million | PFG CONSTRUCTION, LLC | YORK, PA | ACNB Bank |
| $350,000–1 million | POSITIVE TECHNOLOGY.COM INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | PROCESS CONTROL SPECIALISTS, INC. | DILLSBURG, PA | ACNB Bank |
| $350,000–1 million | PROPERTY MANAGEMENT PEOPLE, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | PROTEC GLASS, LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | PULSE TRANSPORT, INC. | GLENVILLE, PA | ACNB Bank |
| $350,000–1 million | R D BOWMAN & SONS INC | WESTMINSTER, MD | ACNB Bank |
| $350,000–1 million | RATH ENTERPRISES, INC. | WASHINGTON, DC | ACNB Bank |
| $150,000–350,000 | RDM GROUP, INC. | MOUNT AIRY, MD | ACNB Bank |
| $150,000–350,000 | REV DRILL SALES & RENTALS, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | RIPTIDE PROPERTY MAINTENANCE, LLC | HARRISBURG, PA | ACNB Bank |
| $350,000–1 million | ROBERT A. AIRD, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | ROBERT W SHECKLES INC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | ROYAL ELECTRIC, INC. | SYKESVILLE, MD | ACNB Bank |
| $150,000–350,000 | RYAN ELECTRIC LLC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | SABA DIRECT LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | SAINT JOHNS CATHOLIC CHURCH | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | SALEM HOSPITALITY, LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | SCHAEFER MECHANICAL SERVICES INC. | WESTMINSTER, MD | ACNB Bank |
| $5–10 million | SERVICE COORDINATION, INC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | SERVICE GLASS INDUSTRIES, INC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | SHAFER, TROXELL & HOWE, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | SHANNON-BAUM SIGNS INC. | SYKESVILLE, MD | ACNB Bank |
| $150,000–350,000 | SHARRAH DESIGN GROUP INC | GETTYSBURG, PA | ACNB Bank |
| $150,000–350,000 | SITE MANAGEMENT, INC | SILVER SPRING, MD | ACNB Bank |
| $1–2 million | SPARTAN ENTERPRISES LLC | IJAMSVILLE, MD | ACNB Bank |
| $150,000–350,000 | SPECTRUM ENVIRONMENTAL SCIENCES, INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | SPECTRUM INDUSTRIAL COATINGS, INC. | SAINT THOMAS, PA | ACNB Bank |
| $5–10 million | SPIRITRUST LUTHERAN | YORK, PA | ACNB Bank |
| $150,000–350,000 | ST JOHN'S, WESTMINSTER, ROMAN CATHOLIC CONGREGATION, INC. | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | ST. JAMES LUTHERAN CHURCH | GETTYSBURG, PA | ACNB Bank |
| $350,000–1 million | STAFF MUSIC & AMUSEMENTS, INC. | HANOVER, PA | ACNB Bank |
| $150,000–350,000 | STAMBAUGH'S WELDING, INC. | UNION BRIDGE, MD | ACNB Bank |
| $350,000–1 million | STAUFFER FUNERAL HOMES, P.A. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | STEVEN R. ALLGAIER O.D. P.A. | WALKERVILLE, MD | ACNB Bank |
| $150,000–350,000 | SUBSURFACE TECHNOLOGIES, INC. | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | SWEETWATER PROPANE INC. | EPHRATA, PA | ACNB Bank |
| $1–2 million | TARGET COMMUNITY & EDUCATION SERVICES, INC. | WESTMINSTER, MD | ACNB Bank |
| $350,000–1 million | TAURASO FOOD GROUP, LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | TAYLORSVILLE VETERINARY CLINIC | MOUNT AIRY, MD | ACNB Bank |
| $150,000–350,000 | TEABOW, INC. | WALKERVILLE, MD | ACNB Bank |
| $1–2 million | THE ARC OF CARROLL COUNTY, INC. | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | THE CHURCH OF THE BRETHREN OF FREDERICK, MARYLAND | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | THE FREDERICK SPORT AND SPINE | FREDERICK, MD | ACNB Bank |
| $1–2 million | THE PEDIATRIC CENTER OF FREDERICK | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | THE RANCH, INC. | FREDERICK, MD | ACNB Bank |