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<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-benefit-obligation-benefits-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-benefit-obligation-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-benefits-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-contributions-by-employer</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-expected-contributions-in-current-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-expected-future-benefit-payments-five-fiscal-years-thereafter</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-expected-future-benefit-payments-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-expected-future-benefit-payments-remainder-of-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-expected-future-benefit-payments-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-expected-future-benefit-payments-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-expected-future-benefit-payments-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-expected-future-benefit-payments-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-expected-future-employer-contributions-current-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-expected-return-on-plan-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-fair-value-of-plan-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-funded-status-of-plan</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-interest-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-net-periodic-benefit-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-plan-assets-benefits-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-recognized-net-gain-loss-due-to-settlements</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-recognized-net-gain-loss-due-to-settlements-and-curtailments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-service-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-settlements-benefit-obligation</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-settlements-plan-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-benefit-plan-weighted-average-asset-allocations</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-contribution-plan-cost-recognized</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-contribution-plan-employer-discretionary-contribution-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-contribution-plan-employer-matching-contribution-percent-of-match</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/defined-contribution-plan-maximum-annual-contributions-per-employee-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/deposit-liabilities-reclassified-as-loans-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/deposits-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/depreciation</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/depreciation-and-amortization-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-collateral-obligation-to-return-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-collateral-right-to-reclaim-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-cost-of-hedge-net-of-cash-received</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-fair-value-amount-offset-against-collateral-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-fair-value-gross-amount-not-offset-against-collateral-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-fair-value-of-derivative-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-fair-value-of-derivative-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-fixed-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-gain-loss-recognized-in-income-ineffective-portion-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-gain-loss-recognized-in-oci-effective-portion-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-liability-not-subject-to-master-netting-arrangement</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-net-liability-position-aggregate-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-notional-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-notional-amount-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-number-of-instruments-held</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/derivative-variable-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/diluted-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/dilutive-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/dividend</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/dividend-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/dividend-safety</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/dividends-common-stock-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/dividends-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/ebitda</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/ebitda-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/effective-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/employee-benefits-and-share-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/employee-count</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/eps</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/eps-basic</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/equipment-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/equity-securities-fv-ni</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/executive-pay-pvp</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/executive-salary-officers</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/expense-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/fair-value-assets-level-1-to-level-2-transfers-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/fair-value-disclosure-offbalance-sheet-risks-face-amount-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/fair-value-liabilities-level-1-to-level-2-transfers-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-deposit-insurance-corporation-premium-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-activity-for-year-average-balance-of-agreements-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-activity-for-year-average-interest-rate-for-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-activity-for-year-maximum-outstanding-at-any-month-end</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-branch-of-fhlb-bank-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-branch-of-fhlb-bank-weighted-average-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-general-debt-obligations-disclosures-amount-of-available-unused-funds</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-general-debt-obligations-disclosures-interest-rate-range-from</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-general-debt-obligations-disclosures-interest-rate-range-to</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-general-debt-obligations-disclosures-maximum-amount-available</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-general-debt-obligations-disclosures-weighted-average-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-long-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-maturities-summary-due-after-five-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-maturities-summary-due-from-four-to-five-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-maturities-summary-due-from-one-to-two-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-maturities-summary-due-from-three-to-four-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-maturities-summary-due-from-two-to-three-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-advances-maturities-summary-due-within-one-year-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/federal-income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/fees-and-commissions-depositor-accounts</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/fees-and-commissions-fiduciary-and-trust-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/fees-and-commissions-mortgage-banking</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/fees-and-commissions-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/finance-lease-right-of-use-asset</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-allowance-for-credit-loss-excluding-accrued-interest</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-allowance-for-credit-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-allowance-for-credit-losses-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-allowance-for-credit-losses-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-allowance-for-credit-losses-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-allowance-for-credit-losses-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-allowance-for-credit-losses-write-offs</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-excluding-accrued-interest-after-allowance-for-credit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-excluding-accrued-interest-allowance-for-credit-loss-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-excluding-accrued-interest-allowance-for-credit-loss-writeoff</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-excluding-accrued-interest-before-allowance-for-credit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-excluding-accrued-interest-credit-loss-expense-reversal</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-excluding-accrued-interest-modified-subsequent-default</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-modifications-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-modifications-number-of-contracts-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-modifications-post-modification-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-modifications-post-modification-recorded-investment-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-modifications-pre-modification-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-modifications-pre-modification-recorded-investment-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-modifications-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-modifications-subsequent-default-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-modifications-subsequent-default-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-nonaccrual-interest-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-nonaccrual-no-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-recorded-investment-30-to-59-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-recorded-investment-60-to-89-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-recorded-investment-90-days-past-due-and-still-accruing</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-recorded-investment-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-recorded-investment-equal-to-greater-than-90-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-recorded-investment-nonaccrual-status</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/financing-receivable-recorded-investment-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/finite-lived-intangible-assets-amortization-expense-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/finite-lived-intangible-assets-amortization-expense-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/finite-lived-intangible-assets-amortization-expense-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/finite-lived-intangible-assets-amortization-expense-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/finite-lived-intangible-assets-amortization-expense-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/finite-lived-intangible-assets-amortization-expense-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/finite-lived-intangible-assets-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/foreclosed-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/foreclosed-real-estate-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/form-144-stocks</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/form-n-port-stocks</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/gain-loss-on-disposition-of-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/gain-loss-on-sale-of-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/gain-loss-on-sale-of-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/gain-loss-on-sale-of-other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/gain-loss-on-sale-of-property-plant-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/gain-loss-on-sale-of-securities-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/gain-loss-on-sales-of-loans-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/gain-loss-on-termination-of-lease</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/gain-on-sale-of-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/gains-losses-on-sales-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/goodwill</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/goodwill-impairment-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/graph</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/gross-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impaired-financing-receivable-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impaired-financing-receivable-interest-income-accrual-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impaired-financing-receivable-interest-income-cash-basis-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impaired-financing-receivable-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impaired-financing-receivable-related-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impaired-financing-receivable-with-no-related-allowance-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impaired-financing-receivable-with-no-related-allowance-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impaired-financing-receivable-with-related-allowance-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impaired-financing-receivable-with-related-allowance-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impairment-of-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impairment-of-long-lived-assets-held-for-use</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/impairment-of-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/included-in-etf</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/income-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/income-tax-at-federal-statutory-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/income-tax-examination-penalties-and-interest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/income-taxes-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/income-taxes-paid-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-accounts-payable-and-accrued-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-accounts-receivable-and-other-operating-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-federal-funds-purchased-and-securities-sold-under-agreements-to-repurchase-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-finance-receivables</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-loans-from-other-federal-home-loan-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-other-operating-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-other-operating-capital-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-other-operating-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-prepaid-deferred-expense-and-other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-savings-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-in-time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/increase-decrease-of-restricted-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/information-technology-and-data-processing</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/insider-transactions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-and-dividend-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-and-fee-income-loans-and-leases-held-in-portfolio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-and-fee-income-other-loans</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-bearing-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-bearing-deposit-liabilities-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-bearing-deposits-in-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-bearing-domestic-deposit-checking</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-bearing-domestic-deposit-money-market</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-bearing-domestic-deposit-other-time-deposit</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-bearing-domestic-deposit-savings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-bearing-domestic-deposit-time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-expense-domestic-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-expense-federal-home-loan-bank-and-federal-reserve-bank-advances-short-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-expense-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-expense-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-expense-other-short-term-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-expense-securities-sold-under-agreements-to-repurchase</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-expense-short-term-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-income-debt-securities-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-income-domestic-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-income-expense-after-provision-for-loan-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-income-expense-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-income-federal-funds-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-income-securities-tax-exempt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-income-securities-taxable</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-paid-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-payable-current-and-noncurrent</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-rate-derivative-liabilities-at-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-rate-derivatives-at-fair-value-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/interest-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/investing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/investment-banking-revenue</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/investment-in-federal-home-loan-bank-stock-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/iran-activity-notices-irannotice</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/labor-and-related-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/late-filing-notices-nt-10-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/lease-and-rental-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/legal-fees</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/lessee-operating-lease-liability-payments-remainder-of-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/lessee-operating-lease-liability-undiscounted-excess-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/level-3-asset-gain-loss-included-in-oci-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/level-3-asset-purchases-sales-issuances-settlements</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/level-3-asset-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/liabilities-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/liabilities-fair-value-disclosure-nonrecurring</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/line-of-credit-facility-remaining-borrowing-capacity</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-and-leases-receivable-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-and-leases-receivable-gross-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-and-leases-receivable-impaired-commitment-to-lend</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-and-leases-receivable-impaired-interest-lost-on-nonaccrual-loans</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-and-leases-receivable-net-reported-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-and-leases-receivable-related-parties</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-and-leases-receivable-related-parties-additions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-and-leases-receivable-related-parties-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-and-leases-receivable-related-parties-collections</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-and-leases-receivable-related-parties-proceeds</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-held-for-sale-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-pledged-as-collateral</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-receivable-basis-spread-on-variable-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-receivable-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-receivable-held-for-sale-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loans-receivable-held-for-sale-net-not-part-of-disposal-group</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/long-term-debt-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/loss-on-sale-of-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/market-cap</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/marketable-securities-equity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/marketable-securities-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/marketable-securities-gain-loss-excluding-other-than-temporary-impairments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/marketable-securities-realized-gain-loss-other-than-temporary-impairments-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/marketing-and-advertising-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/material-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/maturities-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/mortgage-loans-in-process-of-foreclosure-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/net-cash-from-financing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/net-cash-from-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/net-cash-from-operating-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/net-change-in-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/net-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/net-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/news</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/non-hedging-derivatives-gain-loss-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/noninterest-bearing-deposit-liabilities-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/noninterest-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/noninterest-income-other-operating-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/notes-payable</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/notes-receivable-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/notional-amount-of-interest-rate-derivatives</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/number-of-stores</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/occupancy-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-available-for-sale-adjustment-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-available-for-sale-adjustment-before-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-available-for-sale-adjustment-before-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-available-for-sale-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-available-for-sale-before-reclassification-adjustments-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-available-for-sale-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-available-for-sale-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-available-for-sale-tax-3</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-defined-benefit-plan-net-prior-service-cost-credit-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-defined-benefit-plans-adjustment-before-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-defined-benefit-plans-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-defined-benefit-plans-adjustment-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-defined-benefit-plans-net-unamortized-gain-loss-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-defined-benefit-plans-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-derivatives-qualifying-as-hedges-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-derivatives-qualifying-as-hedges-before-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-derivatives-qualifying-as-hedges-before-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-derivatives-qualifying-as-hedges-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-derivatives-qualifying-as-hedges-net-of-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-derivatives-qualifying-as-hedges-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-derivatives-qualifying-as-hedges-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-derivatives-qualifying-as-hedges-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-derivatives-qualifying-as-hedges-tax-effect-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-financial-liability-fair-value-option-unrealized-gain-loss-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-net-of-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-pension-and-other-postretirement-benefit-plans-adjustment-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-pension-and-other-postretirement-benefit-plans-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-pension-and-other-postretirement-benefit-plans-net-unamortized-gain-loss-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-pension-and-other-postretirement-benefit-plans-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-reclassification-adjustment-from-aoci-on-derivatives-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-reclassification-adjustment-from-aoci-on-derivatives-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-reclassification-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-gain-loss-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-reclassification-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-reclassification-adjustment-on-derivatives-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-reclassification-adjustment-on-derivatives-before-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-reclassification-adjustment-on-derivatives-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-reclassification-of-defined-benefit-plans-net-gain-loss-recognized-in-net-periodic-benefit-cost-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-securities-sale-reclassification-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-securities-sale-reclassification-before-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-securities-sale-reclassification-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-unrealized-gain-loss-on-derivatives-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/oci-unrealized-holding-gain-loss-on-securities-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/off-balance-sheet-credit-loss-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/off-balance-sheet-credit-loss-liability-credit-loss-expense-reversal</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-in-five-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-in-four-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-in-three-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-in-two-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-next-rolling-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-thereafter</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-payments-due-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-lease-weighted-average-discount-rate-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-loss-carryforwards</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/operating-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/options-activity</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-assets-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-depreciation-and-amortization</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-real-estate-additions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-real-estate-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-real-estate-disposals</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-real-estate-valuation-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-than-temporary-impairment-credit-losses-recognized-in-earnings-additions-additional-credit-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-than-temporary-impairment-credit-losses-recognized-in-earnings-additions-no-previous-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-than-temporary-impairment-credit-losses-recognized-in-earnings-credit-losses-on-debt-securities-held</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-than-temporary-impairment-credit-losses-recognized-in-earnings-reductions-cash-flows</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-than-temporary-impairment-credit-losses-recognized-in-earnings-reductions-change-in-status</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-than-temporary-impairment-loss-debt-securities-available-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-than-temporary-impairment-losses-investments-portion-in-oci-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-than-temporary-impairment-losses-investments-portion-in-oci-before-tax-including-portion-attributable-to-noncontrolling-interest</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/other-than-temporary-impairment-losses-investments-portion-recognized-in-earnings-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/outstanding-bonds</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/paid-in-capital-stock-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/patents-active</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/payments-for-origination-of-mortgage-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/payments-for-proceeds-from-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/payments-for-proceeds-from-other-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/payments-for-proceeds-from-productive-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/payments-to-acquire-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/payments-to-acquire-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/payments-to-acquire-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/payments-to-acquire-other-productive-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/pb-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/pe-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/pension-contributions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/pension-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/pledged-assets-separately-reported-loans-pledged-as-collateral-at-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/pledged-assets-separately-reported-loans-pledged-for-federal-home-loan-bank-at-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/pledged-assets-separately-reported-other-assets-pledged-as-collateral-at-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/pre-tax-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/preferred-shares-facts</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/preferred-stock-no-par-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/preferred-stock-shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/preferred-stock-shares-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/preferred-stock-shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/preferred-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/premiums-earned-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/pretax-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/pretax-income-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/pretax-income-minority-interest-and-income-loss-from-equity-method-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/previous-etf-holding-it</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/price-fcf-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-debt-net-of-issuance-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-payments-for-in-interest-bearing-deposits-in-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-repayments-of-other-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-repayments-of-short-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-repayments-of-short-term-debt-maturing-in-more-than-three-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-sale-and-maturity-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-sale-of-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-sale-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-sale-of-equity-securities-fv-ni</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-sale-of-foreclosed-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-sale-of-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-sale-of-other-assets-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-sale-of-property-plant-and-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-sale-of-treasury-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-short-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-stock-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-stock-plans</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/proceeds-from-subordinated-short-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/professional-fees</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/profit-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/property-plant-and-equipment-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/property-plant-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/provision-for-loan-and-lease-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/provision-for-loan-lease-and-other-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/provision-for-loan-losses-expensed</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/provision-for-other-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/ps-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/public-float</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/quick-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/related-party-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/repayments-of-federal-home-loan-bank-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/repayments-of-short-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/repayments-of-subordinated-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/restricted-cash-and-cash-equivalents</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/retained-earnings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/return-on-tangible-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/revenue-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/roa</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/roe</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/roi</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/salaries-wages-and-officers-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/scorecard</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/sec-comment-letters-upload</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/sec-enforcement-actions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/sec-filings-10-q</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/sec-filings-25-nse</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/sec-filings-8-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/sec-filings-px14a6g</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/sec-filings-s-4</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/secondary-offerings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/securities-loaned-or-sold-under-agreements-to-repurchase-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/securities-sold-under-agreements-to-repurchase</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/servicing-asset</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/servicing-asset-at-amortized-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/servicing-asset-at-amortized-value-additions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/servicing-asset-at-amortized-value-amortization</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/servicing-asset-at-amortized-value-other-than-temporary-impairments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/servicing-asset-at-fair-value-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/servicing-fees-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/share-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/shareholders-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/shares-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/shares-issued-for-stock-awards</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/short-sale-volume</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/short-term-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/short-term-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/statutory-accounting-practices-statutory-amount-available-for-dividend-payments-without-regulatory-approval</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-award-fair-value-assumptions-expected-dividend-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-award-fair-value-assumptions-expected-volatility-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-award-fair-value-assumptions-risk-free-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-award-number-of-shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-award-number-of-shares-available-for-grant</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-compensation-unrecognized-cost-stock-options</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-issued-shares-issued-for-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-issued-shares-issued-shares-dividend-reinvestment-plan</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-issued-shares-issued-shares-espps</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-issued-shares-issued-shares-share-based-compensation-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-issued-shares-issued-shares-treasury-stock-reissued</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-issued-shares-issued-value-dividend-reinvestment-plan</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-issued-shares-issued-value-espp</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-issued-shares-issued-value-share-based-compensation-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-issued-shares-issued-value-stock-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-issued-shares-issued-value-treasury-stock-reissued</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-option-plan-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-options-exercisable-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-options-exercisable-number</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-options-grants-in-period-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-options-grants-in-period-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-repurchase-program-number-of-shares-authorized-to-be-repurchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stock-splits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/stockholders-equity-including-portion-attributable-to-noncontrolling-interest</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/subordinated-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/subordinated-debt-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/subordinated-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/subsidiaries</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tangible-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tangible-capital-required-for-capital-adequacy</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tangible-capital-required-for-capital-adequacy-to-tangible-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tangible-capital-to-tangible-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-adjustments-settlements-and-unusual-provisions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-credit-carryforward-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-credit-carryforward-valuation-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-rate-reconciliation-at-federal-statutory-income-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-rate-reconciliation-nondeductible-expense-life-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-rate-reconciliation-nondeductible-expense-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-rate-reconciliation-nondeductible-expense-share-based-compensation-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-rate-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-rate-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-rate-reconciliation-tax-credits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-rate-reconciliation-tax-exempt-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-reconciliation-change-in-deferred-tax-assets-valuation-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-reconciliation-deductions-dividends</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-reconciliation-nondeductible-expense-life-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-reconciliation-nondeductible-expense-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-reconciliation-nondeductible-expense-share-based-compensation-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-reconciliation-tax-credits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tax-reconciliation-tax-exempt-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/taxes-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tier-one-leverage-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tier-one-leverage-capital-required-for-capital-adequacy</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tier-one-leverage-capital-required-for-capital-adequacy-to-average-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tier-one-leverage-capital-required-to-be-well-capitalized-to-average-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tier-one-leverage-capital-to-average-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tier-one-risk-based-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tier-one-risk-based-capital-required-for-capital-adequacy</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tier-one-risk-based-capital-required-for-capital-adequacy-to-risk-weighted-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tier-one-risk-based-capital-required-to-be-well-capitalized-to-risk-weighted-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/tier-one-risk-based-capital-to-risk-weighted-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/time-deposit-maturities-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/time-deposit-maturities-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/time-deposit-maturities-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/time-deposit-maturities-year-one</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/time-deposit-maturities-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/time-deposit-maturities-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/time-deposits-100000-or-more</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/total-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/total-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/total-liabilities-and-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/transfer-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/transfer-to-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/treasury-stock-common-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/treasury-stock-retired-cost-method-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/treasury-stock-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/treasury-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/unrealized-gain-loss-on-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/unrealized-gain-loss-on-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/unrecognized-tax-benefits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/unsecured-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/valuation-allowance-for-impairment-of-recognized-servicing-assets-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/valuation-allowance-for-impairment-of-recognized-servicing-assets-provisions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/valuation-allowance-for-impairment-of-recognized-servicing-assets-recoveries</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/value-of-shares-issued-for-stock-awards</loc></url>
<url><loc>https://stock.noler.com/us/stock/fraf/variable-lease-cost</loc></url>
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