UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
SCHEDULE 13G
UNDER THE SECURITIES EXCHANGE ACT OF 1934
(AMENDMENT NO. 10)*
_______________
Franklin Financial Services Corporation
(Name of Issuer)
Common Stock, $1.00 par value
(Title of Class of Securities)
353525108
(CUSIP Number)
December 31, 1999 - Amendment pursuant to Rule 13d-2(b)
(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this
Schedule is filed:
[ ] Rule 13d-1(b)
[x] Rule 13d-1(c)
[ ] Rule 13d-1(d)
*The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class of
securities, and for any subsequent amendment containing information which
would alter the disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities
Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of
that section of the Act but shall be subject to all other provisions of
the Act (however, see the Notes).
SCHEDULE 13G
CUSIP NO. 353252108 Page 2 of 6 Pages
1. NAMES OF REPORTING PERSONS
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
Farmers and Merchants Trust Company of Chambersburg Trust
Department
IRS Identification Number: 23-0570230
2. CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [ ]
(b) [ ]
3. SEC USE ONLY
____________________________________________________________
4. CITIZENSHIP OR PLACE OF ORGANIZATION
Pennsylvania
5. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON
WITH SOLE VOTING POWER
162,402 shares
6. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON
WITH SHARED VOTING POWER
18,903 shares
7. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON
WITH SOLE DISPOSITIVE POWER
162,402 shares
8. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON
WITH SHARED DISPOSITIVE POWER
18,903 shares
Page 3 of 6 Pages
9. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
181,305 shares
10. CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
CERTAIN SHARES*
[ ]
11. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
6.5%
12. TYPE OF REPORTING PERSON*
BK
Item 1(a). Name of Issuer: Franklin Financial Services
Corporation
Item 1(b). Address of Issuer's Principal Executive Offices:
20 South Main Street, P.O. Box 6010, Chambersburg,
Pennsylvania 17201
Item 2(a). Name of Person Filing: Farmers and Merchants Trust
Company of Chambersburg Trust Department
Item 2(b). Address of Principal Business Office or, if None,
Residence: 20 South Main Street, P.O. Box T,
Chambersburg, Pennsylvania 17201
Item 2(c). Citizenship: Pennsylvania
Item 2(d). Title of Class of Securities: Common Stock, $1.00
par value per share
Item 2(e). CUSIP Number: 353252108
Item 3. If this statement is filed pursuant to Rule 13d-1(b)
or 13d-2(b) or (c), check whether the person filing
is a:
(a) [ ] Broker or dealer registered under
section 15 of the Act (15 U.S.C. 78c).
Page 4 of 6 Pages
(b) [ ] Bank as defined in section 3(a)(6) of the
Act (15 U.S.C. 78c).
(c) [ ] Insurance company as defined in
section 3(a)(19) of the Act (15 U.S.C.
78c).
(d) [ ] Investment company registered under
section 8 of the Investment Company Act of
1940 (15 U.S.C. 80a-8).
(e) [ ] An investment adviser in accordance with
Rule 13d-1(b)(1)(ii)(E).
(f) [ ] An employee benefit plan or endowment fund
in accordance with Rule 13d-
1(b)(1)(ii)(F).
(g) [ ] A parent holding company or control
person in accordance with Rule 13d-
1(b)(1)(ii)(G).
(h) [ ] A savings association as defined in
section 3(b) of the Federal Deposit
Insurance Act (12 U.S.C. 1813).
(i) [ ] A church plan that is excluded from the
definition of an investment company under
section 3(c)(14) of the Investment Company
Act of 1940 (15 U.S.C. 80a-3).
(j) [ ] Group, in accordance with Rule 13d-
1(b)(1)(ii)(J).
Item 4. Ownership.
(a) Amount Beneficially Owned: 181,305 shares.
(b) Percent of Class: 6.5%.
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct the vote:
162,402 shares
Page 5 of 6 Pages
(ii) shared power to vote or to direct the
vote: 18,903 shares
(iii) sole power to dispose or to direct the
deposition of: 162,402 shares
(iv) shared power to dispose or to direct the
deposition of: 18,903 shares
Item 5. Ownership of Five Percent or Less of a Class.
If this statement is being filed to report the fact that as of the date
hereof the Reporting Persons have ceased to be the beneficial owners of
more than five percent of the Common Stock of the Issuer, check the
following: ?
Item 6. Ownership of More than Five Percent on Behalf of
Another Person.
Not applicable.
Item 7. Identification and Classification of the Subsidiary
Which Acquired the Security Being Reported on by the
Parent Holding Company.
Not applicable.
Item 8. Identification and Classification of Members of the
Group.
Not applicable.
Item 9. Notice of Dissolution of Group.
Not applicable.
Item 10. Certifications.
By signing below I certify that, to the best of my knowledge and belief,
the securities referred to above were not acquired and are not held for
the purpose of or with the effect of changing or influencing the control
of the issuer of the securities and were not acquired and are not held in
connection with or as a participant in any transaction having that purpose
or effect.
Page 6 of 6 Pages
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete
and correct.
Date: February 14, 2000 FARMERS AND MERCHANTS TRUST
COMPANY OF CHAMBERSBURG TRUST
DEPARTMENT
By: /s/ Allen C. Rebok
Allen C. Rebok,
Vice President
"WORD"
Long Document Name:
SCHEDULE 13G - AMENDMENT NO. 10 PURSUANT TO
RULE 13D-1(C) - FRANKLIN FINANCIAL SERVICES
CORPORATION - EDGARIZED VERSION
System Document Number:
41754
Additional Information:
DUPED FROM: 43632
You will have line numbers down the side of each draft document unless
you indicate otherwise. 1.5 line spacing will be used on all drafts
unless you indicate otherwise.
Return To:
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Line Spacing: _____ same _____ 1.0 _____ 1.5 _____ 2.0
Duplicate: _____ yes _____ no (New Client/Matter No: _)
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Caret Method _____ Standard Method _____
Notes:
EDGARIZED VERSION FOR FILING
Origination Date:
February 14, 2000
Author's Initials:
cwk
Last Revised By:
laz
Last Revision Date:
Quick Fill Numbering:
02/14/00/SL1 43632v1/00000.000
02/14/00/SL1 43632v1/00000.000
