Orrstown Bank and CCED Partner to Award Small Business First Loan

Shippensburg, PA (September 22, 2010) – Orrstown Bank (NASDAQ: ORRF) is pleased to announce the joint effort of the Bank and Cumberland County Economic Development (CCED) to award a $200,000 Small Business First (SBF) loan to John and Diane Stamy. This loan will allow the Stamy's to purchase a new farm and expand their agricultural business.

Orrstown Bank has been a longtime partner of CCED and was a lending partner in the very first lending program developed by CCED - Cumberland Business First. "Orrstown Bank continues to provide lots of small business financing through this challenging time and having CCED to partner with on Small Business First loans will help Orrstown do even more economic development deals in Cumberland County" said Jeff Gayman, Senior Vice President, Chief Commercial Officer of Orrstown Bank.

CCED’s mission is to be a catalyst for job creation; entrepreneurship; business attractions, retention, and expansion on behalf of the citizens of Cumberland County and South Central Pennsylvania. CCED became a certified Area Loan Organization (ALO) in January of 2010. As such, CCED became authorized by the Department of Community and Economic Development to process state backed economic development loans throughout Cumberland County, PA. Loan programs available to ALO's include among others Small Business First and the Community Economic Development program or CED.

"This loan symbolizes a milestone and represents a huge win for CCED and its supporters", said Omar Shute, Executive Director of CCED. "Our goal is to be the number one economic development lender in Cumberland County and we are on pace to accomplish that goal by the end of 2010. We continue to attract investment to Cumberland County, help create as well as retain jobs, and deliver results for citizens and businesses in Cumberland County and the region", concluded Shute.

With over $1.3 billion in assets, Orrstown Financial Services, Inc. and its subsidiary, Orrstown Bank, provide a full range of consumer and business financial services through twenty-one banking offices and two remote service facilities located in Cumberland, Franklin and Perry Counties, Pennsylvania and Washington County, Maryland. Orrstown Financial Services, Inc.’s stock is traded on the NASDAQ Capital Market under the symbol ORRF.

The Small Business First loan program provides low-interest financing for land and building acquisition, construction, machinery and equipment purchases, and working capital. Through Small Business First, CCED can provide loans for up to $200,000 and depending on the transaction rates can be fixed for as many as 15 years. To check for eligibility and for further information regarding Small Business First and other financing programs available through CCED, visit our website at www.cumberlandbusiness.com or contact Don Coffee at 717.240.7181 or at don@cumberlandbusiness.com.