Orrstown Financial Services (ORRF) 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
Abbott Laboratories	Common Stock	002824100	975,348	8,623	SH		SOLE		8,623	0	0
Abbvie Inc	Common Stock	00287Y109	872,864	4,912	SH		SOLE		4,912	0	0
Accenture PLC	Int'l Common Stock	G1151C101	491,802	1,398	SH		SOLE		1,398	0	0
Adobe Inc.	Common Stock	00724F101	1,329,147	2,989	SH		SOLE		2,989	0	0
Advanced Micro Devices Inc	Common Stock	007903107	513,237	4,249	SH		SOLE		4,249	0	0
Aflac Inc	Common Stock	001055102	247,946	2,397	SH		SOLE		2,397	0	0
Alphabet Inc	Common Stock	02079K305	3,998,207	21,121	SH		SOLE		21,121	0	0
Alphabet Inc	Common Stock	02079K107	858,123	4,506	SH		SOLE		4,506	0	0
Amazon com	Common Stock	023135106	4,012,425	18,289	SH		SOLE		18,289	0	0
American Century Focused Large Cap Value	Exchange Traded Fund	025072794	590,738	8,850	SH		SOLE		8,850	0	0
American Electric Power Inc	Common Stock	025537101	263,502	2,857	SH		SOLE		2,857	0	0
American Express Company	Common Stock	025816109	1,530,843	5,158	SH		SOLE		5,158	0	0
Ameriprise Financial Inc	Common Stock	03076C106	228,946	430	SH		SOLE		430	0	0
Amgen Inc	Common Stock	031162100	690,174	2,648	SH		SOLE		2,648	0	0
Apple Inc.	Common Stock	037833100	7,124,701	28,451	SH		SOLE		28,451	0	0
Applied Materials Inc	Common Stock	038222105	1,062,788	6,535	SH		SOLE		6,535	0	0
AT&T Inc	Common Stock	00206R102	321,967	14,140	SH		SOLE		14,140	0	0
Avantis U.S. Small Cap Value	Exchange Traded Fund	025072877	27,535,473	285,253	SH		SOLE		285,108	97	48
Avantis U.S. Small Cap Value	Exchange Traded Fund	025072877	18,630	193	SH		OTR		193	0	0
Bank of America Corporation	Common Stock	060505104	430,403	9,793	SH		SOLE		9,793	0	0
Berkshire Hathaway Inc Del	Common Stock	084670702	1,552,938	3,426	SH		SOLE		3,426	0	0
Boeing Co	Common Stock	097023105	291,696	1,648	SH		SOLE		1,648	0	0
Booking Holdings Inc	Common Stock	09857L108	581,303	117	SH		SOLE		117	0	0
Bristol Myers Squibb Co	Common Stock	110122108	469,109	8,294	SH		SOLE		8,294	0	0
Bristol Myers Squibb Co	Common Stock	110122108	11,312	200	SH		OTR		200	0	0
Broadcom Inc	Common Stock	11135F101	1,985,480	8,564	SH		SOLE		8,564	0	0
Caterpillar Inc	Common Stock	149123101	913,066	2,517	SH		SOLE		2,517	0	0
CDW Corp	Common Stock	12514G108	236,694	1,360	SH		SOLE		1,360	0	0
Chevron Corp.	Common Stock	166764100	1,291,393	8,916	SH		SOLE		8,916	0	0
Chubb Limited	Common Stock	H1467J104	200,041	724	SH		SOLE		724	0	0
Cisco Systems Inc	Common Stock	17275R102	707,677	11,954	SH		SOLE		11,954	0	0
Coca Cola Co	Common Stock	191216100	433,579	6,964	SH		SOLE		6,964	0	0
Coca Cola Co	Common Stock	191216100	6,226	100	SH		OTR		100	0	0
Conoco Phillips	Common Stock	20825C104	331,425	3,342	SH		SOLE		3,342	0	0
Costco Wholesale Corporation	Common Stock	22160K105	1,860,946	2,031	SH		SOLE		2,031	0	0
D R Horton Inc	Common Stock	23331A109	523,346	3,743	SH		SOLE		3,743	0	0
Danaher Corp	Common Stock	235851102	353,281	1,539	SH		SOLE		1,539	0	0
Eaton Corp. PLC	Int'l Common Stock	G29183103	1,144,619	3,449	SH		SOLE		3,449	0	0
Eli Lilly and Co	Common Stock	532457108	1,063,044	1,377	SH		SOLE		1,377	0	0
Emerson Electric Co	Common Stock	291011104	219,605	1,772	SH		SOLE		1,772	0	0
Exxon Mobil Corp	Common Stock	30231G102	1,427,241	13,268	SH		SOLE		13,268	0	0
Fidelity Enhanced International	International Equity ETF	31609A404	17,290,852	628,073	SH		SOLE		627,798	174	101
Fidelity Enhanced International	International Equity ETF	31609A404	4,790	174	SH		OTR		174	0	0
Fulton Financial Corp PA	Common Stock	360271100	494,513	25,649	SH		SOLE		25,649	0	0
GE Aerospace	Common Stock	369604301	1,894,067	11,356	SH		SOLE		11,356	0	0
GE Vernova Inc	Common Stock	36828A101	664,767	2,021	SH		SOLE		2,021	0	0
Gilead Sciences Inc	Common Stock	375558103	321,817	3,484	SH		SOLE		3,484	0	0
Goldman Sachs Small Cap Core	Exchange Traded Fund	38149W614	6,151	120	SH		OTR		120	0	0
Goldman Sachs Small Cap Core	Exchange Traded Fund	38149W614	17,304,352	337,580	SH		SOLE		337,401	121	58
Hershey Co	Common Stock	427866108	427,440	2,524	SH		SOLE		2,524	0	0
Home Depot	Common Stock	437076102	1,827,865	4,699	SH		SOLE		4,699	0	0
Honeywell International Inc	Common Stock	438516106	865,385	3,831	SH		SOLE		3,831	0	0
Intuit	Common Stock	461202103	294,767	469	SH		SOLE		469	0	0
Intuitive Surgical Inc	Common Stock	46120E602	706,213	1,353	SH		SOLE		1,353	0	0
Invesco	ETF-Fixed Income	46138E511	115,300	10,000	SH		SOLE		10,000	0	0
Invesco Russell 1000 Dynamic Multifactor	Exchange Traded Fund	46138J619	17,842	329	SH		OTR		329	0	0
Invesco Russell 1000 Dynamic Multifactor	Exchange Traded Fund	46138J619	53,358,851	983,936	SH		SOLE		983,406	339	191
Invesco Russell 2000 Dynamic Multifactor	Exchange Traded Fund	46138J593	611,731	15,462	SH		SOLE		15,462	0	0
iShares	ETF-Fixed Income	464287226	2,116,975	21,847	SH		SOLE		21,847	0	0
iShares	ETF-Fixed Income	464287432	425,303	4,870	SH		SOLE		4,870	0	0
iShares	ETF-Fixed Income	464287432	2,882	33	SH		DFND		33	0	0
iShares	ETF-Fixed Income	464287432	524	6	SH		OTR		6	0	0
iShares	ETF-Equity	464287598	484,486	2,617	SH		SOLE		2,617	0	0
iShares	ETF-Equity	464287614	1,116,392	2,780	SH		SOLE		2,780	0	0
iShares	ETF-Equity	464287655	359,944	1,629	SH		SOLE		1,629	0	0
iShares	ETF-Equity	464287804	6,499,788	56,412	SH		SOLE		56,412	0	0
iShares	ETF-Equity	464287804	4,839	42	SH		DFND		42	0	0
iShares	ETF-Equity	464287804	8,181	71	SH		OTR		71	0	0
iShares	ETF-Equity	464288240	2,088,538	40,041	SH		SOLE		40,041	0	0
iShares	ETF-Equity	46434G822	2,040,587	30,411	SH		SOLE		30,411	0	0
iShares	ETF-Equity	46434G822	3,489	52	SH		DFND		52	0	0
iShares	ETF-Equity	46434V621	369,144	6,018	SH		SOLE		6,018	0	0
iShares Core MSCI EAFE ETF	International Equity ETF	46432F842	3,827,660	54,463	SH		SOLE		54,463	0	0
iShares Core MSCI Emerging Markets ETF	International Equity ETF	46434G103	2,342,537	44,859	SH		SOLE		44,859	0	0
iShares Core S&P 500 Index Fund	Exchange Traded Fund	464287200	60,558,687	102,872	SH		SOLE		102,823	31	18
iShares Core S&P 500 Index Fund	Exchange Traded Fund	464287200	18,838	32	SH		OTR		32	0	0
iShares Core S&P Mid-Cap Index Fund	Exchange Traded Fund	464287507	10,427,457	167,348	SH		SOLE		167,348	0	0
iShares MSCI EAFE ETF	International Equity ETF	464287465	1,316,295	17,409	SH		SOLE		17,409	0	0
iShares MSCI Emerging Markets ETF	International Equity ETF	464287234	510,831	12,215	SH		SOLE		12,215	0	0
iShares National Muni Bond	Fixed Income ETF	464288414	291,414	2,735	SH		SOLE		2,735	0	0
iShares Russell 1000 Index Fund	Exchange Traded Fund	464287622	2,209,695	6,859	SH		SOLE		6,859	0	0
Johnson & Johnson	Common Stock	478160104	1,156,672	7,998	SH		SOLE		7,998	0	0
JP Morgan	ETF-Equity	46641Q167	14,243	225	SH		OTR		225	0	0
JP Morgan	ETF-Equity	46641Q332	9,147	159	SH		OTR		159	0	0
JP Morgan	ETF-Equity	46654Q609	16,206	200	SH		OTR		200	0	0
JPMorgan Active Growth	Exchange Traded Fund	46654Q609	16,984,860	209,612	SH		SOLE		209,405	207	0
JPMorgan Active Value ETF	Exchange Traded Fund	46641Q167	5,461,404	86,278	SH		SOLE		86,278	0	0
JPMorgan Chase & Co	Common Stock	46625H100	2,643,042	11,026	SH		SOLE		11,026	0	0
JPMorgan Equity Premium Income ETF	Exchange Traded Fund	46641Q332	10,921,202	189,835	SH		SOLE		189,835	0	0
JPMorgan Hedged Equity Laddered Overlay	Exchange Traded Fund	46654Q724	5,429,679	87,519	SH		SOLE		87,519	0	0
Lam Research Corp	Common Stock	512807306	576,469	7,981	SH		SOLE		7,981	0	0
Lockheed Martin Corp	Common Stock	539830109	328,010	675	SH		SOLE		675	0	0
Mastercard Inc	Common Stock	57636Q104	1,642,899	3,120	SH		SOLE		3,120	0	0
Materials Select Sector SPDR Fund	Exchange Traded Fund	81369Y100	630,377	7,492	SH		SOLE		7,492	0	0
Mcdonald's Corp	Common Stock	580135101	898,949	3,101	SH		SOLE		3,101	0	0
Merck & Co Inc	Common Stock	58933Y105	698,746	7,024	SH		SOLE		7,024	0	0
Merck & Co Inc	Common Stock	58933Y105	79,584	800	SH		OTR		800	0	0
Meta Platforms Inc	Common Stock	30303M102	1,796,935	3,069	SH		SOLE		3,069	0	0
Microsoft Corp	Common Stock	594918104	6,802,598	16,139	SH		SOLE		16,139	0	0
Midcap Financial Investment Corp	ETF-Fixed Income	03761U502	184,004	13,640	SH		SOLE		13,640	0	0
Mondelez Internationa Inc	Common Stock	609207105	309,759	5,186	SH		SOLE		5,186	0	0
Morgan Stanley	Common Stock	617446448	436,250	3,470	SH		SOLE		3,470	0	0
Netflix Inc	Common Stock	64110L106	919,842	1,032	SH		SOLE		1,032	0	0
Norfolk Southern Corp	Common Stock	655844108	244,558	1,042	SH		SOLE		1,042	0	0
NVIDIA Corp	Common Stock	67066G104	4,345,893	32,362	SH		SOLE		32,362	0	0
Oracle Corp	Common Stock	68389X105	990,675	5,945	SH		SOLE		5,945	0	0
Palo Alto Networks Inc	Common Stock	697435105	362,464	1,992	SH		SOLE		1,992	0	0
PepsiCo Inc	Common Stock	713448108	1,518,166	9,984	SH		SOLE		9,984	0	0
Pfizer Inc	Common Stock	717081103	353,538	13,326	SH		SOLE		13,326	0	0
Philip Morris International Inc	Common Stock	718172109	343,239	2,852	SH		SOLE		2,852	0	0
PIMCO Interm Muni Bond Active ETF	Fixed Income ETF	72201R866	607,828	11,750	SH		SOLE		11,750	0	0
PNC Financial Services Group Inc	Common Stock	693475105	1,631,319	8,459	SH		SOLE		8,459	0	0
PNC Financial Services Group Inc	Common Stock	693475105	197,671	1,025	SH		OTR		1,025	0	0
Procter & Gamble Co	Common Stock	742718109	1,852,200	11,048	SH		SOLE		11,048	0	0
Progressive Corp	Common Stock	743315103	529,778	2,211	SH		SOLE		2,211	0	0
Qualcomm Inc	Common Stock	747525103	427,985	2,786	SH		SOLE		2,786	0	0
Quanta Services Inc	Common Stock	74762E102	310,361	982	SH		SOLE		982	0	0
Real Estate Select Sector SPDR Fund	Exchange Traded Fund	81369Y860	591,220	14,537	SH		SOLE		14,537	0	0
Rockwell Automation Inc	Common Stock	773903109	342,948	1,200	SH		SOLE		1,200	0	0
RTX Corporation	Common Stock	75513E101	1,284,376	11,099	SH		SOLE		11,099	0	0
S&P Global Inc	Common Stock	78409V104	651,921	1,309	SH		SOLE		1,309	0	0
Salesforce, Inc.	Common Stock	79466L302	1,452,331	4,344	SH		SOLE		4,344	0	0
ServiceNow Inc	Common Stock	81762P102	783,429	739	SH		SOLE		739	0	0
SPDR Dow Jones Industrial Average ETF Trust	Exchange Traded Fund	78467X109	577,829	1,358	SH		SOLE		1,358	0	0
SPDR S&P 500	ETF-Equity	78462F103	438,974	749	SH		SOLE		749	0	0
Stryker Corporation	Common Stock	863667101	227,912	633	SH		SOLE		633	0	0
TAIWAN SEMICONDUCTOR MFG LTD	Foreign Stock	874039100	270,956	1,372	SH		SOLE		1,372	0	0
Tesla Inc	Common Stock	88160R101	1,389,613	3,441	SH		SOLE		3,441	0	0
Thermo Fisher Scientific Inc	Common Stock	883556102	658,618	1,266	SH		SOLE		1,266	0	0
TJX Companies Inc	Common Stock	872540109	1,464,942	12,126	SH		SOLE		12,126	0	0
T-Mobile US Inc	Common Stock	872590104	1,062,153	4,812	SH		SOLE		4,812	0	0
Travelers Companies Inc	Common Stock	89417E109	623,664	2,589	SH		SOLE		2,589	0	0
Union Pacific Corp	Common Stock	907818108	1,124,466	4,931	SH		SOLE		4,931	0	0
UnitedHealth Group Inc	Common Stock	91324P102	2,387,155	4,719	SH		SOLE		4,719	0	0
Utilities Select Sector SPDR Fund	Exchange Traded Fund	81369Y886	661,909	8,745	SH		SOLE		8,745	0	0
Vanguard	ETF-Equity	92206C599	2,208,569	8,503	SH		SOLE		8,503	0	0
Vanguard 500 Index Fund	Exchange Traded Fund	922908363	2,366,454	4,392	SH		SOLE		4,392	0	0
Vanguard Emerging Markets Stock Index Fund	International Equity ETF	922042858	801,264	18,194	SH		SOLE		18,194	0	0
Vanguard Idx Fund	Exchange Traded Fund	922908769	246,338	850	SH		SOLE		850	0	0
Vanguard Intermediate Term Bond ETF	Fixed Income ETF	921937819	5,908,901	79,070	SH		SOLE		79,070	0	0
Vanguard Mid-Cap Index Fund	Exchange Traded Fund	922908629	313,258	1,186	SH		SOLE		1,186	0	0
Vanguard Short-Term Corporate Bond Idx Fd	Fixed Income ETF	92206C409	535,773	6,868	SH		SOLE		6,868	0	0
Vanguard Small-Cap Index Fund	Exchange Traded Fund	922908751	3,257,476	13,557	SH		SOLE		13,557	0	0
Verizon Communications Inc	Common Stock	92343V104	435,853	10,899	SH		SOLE		10,899	0	0
Vertex Pharmaceuticals Inc	Common Stock	92532F100	381,357	947	SH		SOLE		947	0	0
Visa Inc	Common Stock	92826C839	2,782,417	8,804	SH		SOLE		8,804	0	0
Walmart Inc	Common Stock	931142103	2,006,856	22,212	SH		SOLE		22,212	0	0
Walt Disney Co	Common Stock	254687106	644,161	5,785	SH		SOLE		5,785	0	0
Waste Management Inc	Common Stock	94106L109	624,943	3,097	SH		SOLE		3,097	0	0
Williams COS Inc	Common Stock	969457100	201,651	3,726	SH		SOLE		3,726	0	0
York Water Co	Common Stock	987184108	341,139	10,426	SH		SOLE		10,426	0	0
York Water Co	Common Stock	987184108	22,904	700	SH		OTR		700	0	0