| $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 DELIGHTS, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | FREDERICK FOOT AND ANKLE SPECIALISTS PA | 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 |
| $150,000–350,000 | G FORCE SECURITY SOLUTIONS LLC | Gettysburg, PA | ACNB Bank |
| $150,000–350,000 | G-FORCE SECURITY SOLUTIONS, LLC | Gettysburg, PA | 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 | GETTYSBURG HERITAGE ENTERPRISES INC | Gettysburg, 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 |
| $150,000–350,000 | GORDON & SIMMONS, LLC | FREDERICK, MD | ACNB Bank |
| $1–2 million | GRAPHCOM INC | Gettysburg, PA | ACNB Bank |
| $1–2 million | GRAPHCOM, INC. | GETTYSBURG, PA | ACNB Bank |
| $350,000–1 million | GRIMSTER-MAGOO 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 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 | HAWK INDUSTRIES, INC | LITTLESTOWN, PA | ACNB Bank |
| $150,000–350,000 | HF LLC | Dover, PA | ACNB Bank |
| $150,000–350,000 | HF,LLC | DOVER, PA | ACNB Bank |
| $150,000–350,000 | HICKORY BRIDGE FARM INC | Orrtanna, PA | ACNB Bank |
| $350,000–1 million | HOCKSTAD ENTERPRISES INC | Manchester, MD | 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 |
| $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 |
| $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 | 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 |
| $150,000–350,000 | IMPACT DISASTER SERVICES, LLC | York, PA | ACNB Bank |
| $350,000–1 million | INTEGRAL COMPONENTS, INC. | WESTMINSTER, MD | ACNB Bank |
| $350,000–1 million | INTELICE SOLUTIONS LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | J & J 2000, INC. | LITTLESTOWN, PA | ACNB Bank |
| $150,000–350,000 | J & J FURNITURE INC | Middletown, MD | ACNB Bank |
| $150,000–350,000 | J AND 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 | 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 |
| $350,000–1 million | K G JOHNSON 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 | KEENEY & BASFORD P A FUNERAL HOME | Frederick, MD | 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 | LANDSCAPE SERVICES, INC. | Frederick, MD | 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 | LEISTERS FURNITURE INC | Hanover, PA | ACNB Bank |
| $150,000–350,000 | LEVEL LANDSCAPE LLC | Woodbine, MD | 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 | LITTLE PEOPLES PLACE CHILD DEVELOPMENT CENTER INC. | Manchester, 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 |
| $350,000–1 million | MAGSTONE LLC | Union Bridge, MD | 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 P C | Hanover, PA | 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 |
| $150,000–350,000 | MAYSTAR SYSTEMS INCORPORATED | Sykesville, 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 |