Franklin Financial Services Corporation is the bank holding company for Farmers and Merchants Trust Company of Chambersburg, providing banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers deposit products such as demand deposits, savings, money management accounts, time deposits, and certificates of deposit. The company provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans, consumer loans, and secured and unsecured commercial and industrial loans. It also offers trust services including estate planning and administration, corporate and personal trust fund management, pension and profit sharing fund management, custodial services, and non-trust investment services, along with mutual funds, annuities, insurance products, safe deposit, and pension and fiduciary services. Additionally, it engages in non-bank investment activities such as venture capital investments. Founded in 1906, the company is headquartered in Chambersburg, Pennsylvania.