Franklin Financial Services Corporation Insider Trading Activity

Insider Trade Summary

2,100 shares exercised/converted

Exercise 5 txns

Insider Heckman Lorie M.

Role EVP, Chief Risk Officer

Type	Security	Shares	Price	Value
Exercise	Incentive Stock Option (Right to Buy)	2,100	$0.00	$0.00
Exercise	Common Stock	2,100	$21.27	$45K
Exercise Price or Tax Liability	Common Stock	1,043	$42.83	$45K
holding	Incentive Stock Option (Right to Buy)	--	--	--
holding	Incentive Stock Option (Right to Buy)	--	--	--

Holdings After Transaction: Incentive Stock Option (Right to Buy) — 5,400 contracts (Direct); Common Stock — 5,790 shares (Direct)

Footnotes (3)

1. F1. Reflects shares withheld by issuer at the market price of $42.83 per share less an exercise price of $21.27 per share to fund the cashless exercise of 2,100 options owned by the reporting person pursuant to the issuer's 2013 Incentive Stock Option Plan.
2. F2. Total shares includes 30 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.
3. F3. Includes previously reported unvested restricted stock units.

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Accepted by SEC EDGAR 07/28/2025 - 09:26 AM EDT Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

Heckman Lorie M.

(Last) (First) (Middle)

1500 NITTERHOUSE DRIVE

(Street)

CHAMBERSBURG PA 17201

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
FRANKLIN FINANCIAL SERVICES CORP /PA/ [ FRAF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Chief Risk Officer

3. Date of Earliest Transaction (Month/Day/Year)
07/25/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	07/25/2025		M		2,100(1)	A	$21.27	6,833(2)(3)	D
Common Stock	07/25/2025		F		1,043(1)	D	$42.83	5,790(3)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Incentive Stock Option (Right to Buy)	$21.27	07/25/2025		M			2,100	08/25/2016	02/25/2026	Common Stock	2,100	$0	0	D
Incentive Stock Option (Right to Buy)	$30							08/23/2017	02/23/2027	Common Stock	2,700		2,700	D
Incentive Stock Option (Right to Buy)	$34.1							08/22/2018	02/22/2028	Common Stock	2,700		2,700	D

Explanation of Responses:

1. Reflects shares withheld by issuer at the market price of $42.83 per share less an exercise price of $21.27 per share to fund the cashless exercise of 2,100 options owned by the reporting person pursuant to the issuer's 2013 Incentive Stock Option Plan.

2. Total shares includes 30 shares acquired pursuant to the issuer's 2010 Dividend Reinvestment and Stock Purchase Plan.

3. Includes previously reported unvested restricted stock units.

	/s/Amanda M. Ducey by Power of Attorney for Lorie M. Heckman	07/28/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.