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  <xs:element id="acnb_RealEstateAcquiredThroughForeclosureMember" abstract="true" name="RealEstateAcquiredThroughForeclosureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="acnb_AssetsFairValueMeasurementInput" abstract="false" name="AssetsFairValueMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="acnb_DemandDepositsandSavingsFairValueDisclosure" abstract="false" name="DemandDepositsandSavingsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="acnb_TimeDepositsFairValueDisclosure" abstract="false" name="TimeDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="acnb_ShortAndLongTermDebtFairValue" abstract="false" name="ShortAndLongTermDebtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="acnb_LoansandLeasesReceivableLoantoValueRatioRequirement" abstract="false" name="LoansandLeasesReceivableLoantoValueRatioRequirement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="acnb_BankingReportingSegmentMember" abstract="true" name="BankingReportingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="acnb_InsuranceReportingSegmentMember" abstract="true" name="InsuranceReportingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="acnb_ReversalOfProvisionForCreditLossesAndUnfundedCommitments" abstract="false" name="ReversalOfProvisionForCreditLossesAndUnfundedCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="acnb_OtherNoninterestExpenseAdjusted" abstract="false" name="OtherNoninterestExpenseAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="acnb_SegmentNetCapitalExpenditures" abstract="false" name="SegmentNetCapitalExpenditures" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
