Franklin Financial Services, headquartered in Chambersburg, Pa, is the bank holding company for F&M Trust. In 1983, shareholders of the bank approved the formation of Franklin Financial Services to serve as the holding company for the bank, which was formed in 1906, and is one of the largest independent community banks in Franklin County. Its core business includes retail banking, commercial services, investment and trust services, mortgage services and personal investment services. The bank s investment and trust services department manages assets for individuals, businesses, and organizations. Its customers enjoy the flexibility of more than 20 ATM locations, as well as telephone and online banking. F&M Trust operates more than 15 community offices in Cumberland and Franklin counties.
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