Orrstown Bank Encourages Customers to Prevent a Holiday Spending Hangover

Shippensburg, PA (11/29/2010) – Orrstown Bank is kicking off the 2010 holiday shopping season with tips to manage holiday spending and avoid a post-holiday credit hangover.

“Consumers spreading holiday cheer should keep in mind that January bills are only a couple of months away,” says Gary Holder, SVP/Chief Retail Officer. “If consumers are not budgeting for their holiday purchases, people will find themselves bringing in the New Year with last year’s debt.”

Orrstown Bank recommends that customers manage their finances this holiday season with the following spending tips:

• Create a budget and stick to it. Set a dollar amount based on what you can afford this holiday season considering your current savings, income and other expenses. Be sure to include a $20 to $100 cushion for unexpected expenses.

• Make a list. Write down the names of the people you plan to buy gifts for and how much you can afford to spend on each person. Don’t forget to save some of your budget for expenses other than gifts including wrapping paper, cards and postage.

• Bake some cookies. That’s right, if you can’t afford to buy gifts for everyone on your list, bake some holiday goodies and wrap them in cellophane with a holiday bow. Handmade gifts are a special way to say ‘Happy Holidays’ without overspending. Be sure to include these costs in your budget.

• Use credit wisely. Your credit card balance shouldn’t be a complete surprise when you open your statement in January. Take only the credit cards you need when holiday shopping and try to use the card with the lowest interest rate.

• Save your receipts. Keep track of your expenses and add them up weekly to be sure you’re sticking to your budget. If you’re getting close to your spending limit, reevaluate your list and bake more cookies!

• Shop around. Start your holiday shopping early to give yourself time to comparison shop. Take time to do some research before you hit the stores by going online or looking at your local newspaper circulars.

“Holding true to one’s budget during the busy holiday season is an excellent jumpstart to healthy year-long budgeting habits,” said Holder.

Anyone who falls deep in debt and is late on their payments should inform creditors so they can work on a resolution plan with you. Banks and other lenders are often willing to help extend payment periods, consolidate debts or assist in refinancing.

A pattern of late payments in a credit report could make attaining future loans or credit difficult. Consumers in need of help with debt problems should contact the National Foundation for Credit Counseling at 1-800-388-2227.

With over $1.4 billion in assets, Orrstown Financial Services, Inc. and its subsidiary, Orrstown Bank, provide a full range of consumer and business financial services through twenty 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.

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Orrstown Bank Participates in Vision Group Ventures Groundbreaking Ceremony

Shippensburg, PA (11/17/2010) — Zach Flynn, Senior Vice President, Regional Senior Loan Officer for Orrstown Bank’s West Shore region participated in the November 12, 2010 Vision Group Ventures’ groundbreaking ceremony at 4125 North Front Street in Susquehanna Township.

The groundbreaking marks the beginning of a construction project that will result in new office space for Crump Life Insurance Services, allowing them to retain their current 240 employees with room to add an estimated 60 additional employees over the next two years. Zach Flynn commented, “Orrstown Bank is pleased to have the opportunity to provide construction and permanent loan financing for this project. Our mission is to help our customers realize their dreams, and the completion of this building will benefit businesses as well as the community as new jobs are added.”

With over $1.4 billion in assets, Orrstown Financial Services, Inc. and its subsidiary, Orrstown Bank, provide a full range of consumer and business financial services through twenty 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.

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Orrstown Financial Services, Inc. to Present at Sandler O'Neill & Partners, L.P. East Coast Financial Services Conference

Shippensburg, PA (11/09/2010) --- Orrstown Financial Services, Inc. (NASDAQ: ORRF) will address analysts and investors attending the Sandler O'Neill & Partners, L.P. East Coast Financial Services Conference on November 11, 2010. ORRF is scheduled to present at 7:45 a.m. EST. Thomas R. Quinn, Jr., President and CEO, will discuss ORRF strategy, recent business developments and market opportunities. A brief question and answer session will follow the presentation.

The webcast can be accessed via: http://www.sandleroneill.com. Go to the “Conferences” button at the bottom of the page, then select “Register to View Webcast” under the East Coast Financial Services Conference heading. The presentation will also be archived and available for 30 days following the conference.

With over $1.4 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.

Safe Harbor Statement: This news release may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Actual results and trends could differ materially from those set forth in such statements due to various risks, uncertainties and other factors. Such risks, uncertainties and other factors that could cause actual results and experience to differ from those projected include, but are not limited to, the following: ineffectiveness of the Corporation's business strategy due to changes in current or future market conditions; the effects of competition, including industry consolidation and development of competing financial products and services; changes in laws and regulations, including the recent Dodd-Frank Wall Street Reform and Consumer Protection Act; interest rate movements; changes in credit quality; volatilities in the securities markets; and deteriorating economic conditions, and other risks and uncertainties, including those detailed in Orrstown Financial Services, Inc.'s filings with the Securities and Exchange Commission. The statements are valid only as of the date hereof and Orrstown Financial Services, Inc. disclaims any obligation to update this information.

The review period for subsequent events extends up to and including the filing date of a public company’s financial statements, when filed with the Securities and Exchange Commission. Accordingly, the consolidated financial information presented in this announcement is subject to change.

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Low Interest Rates at Orrstown Bank Make Home Ownership Possible

Philip Fague, EVP,
Mortgage & Consumer Business

Shippensburg, PA (11/5/2010) — With mortgage interest rates at their lowest levels since World War II, a plentiful housing stock and prices still low, buying a home may now be easier for many Americans than it has been in years.

“Buying a home is the single largest investment that most people will make in their lifetime,” said Philip Fague, Executive Vice President, Mortgage & Consumer Business. “So it’s important to take an honest look at your budget first to see what you can afford.”

Orrstown Bank recommends that potential buyers consider several important factors before deciding to buy a home:

• Review your finances. An honest analysis of your financial situation is central to the decision to buy. Calculate all your monthly expenses in addition to your potential mortgage payment, including homeowner’s insurance, taxes, condo fees and other obligations like car payments, credit card debt, and living expenses, including utilities and groceries. Consumers should anticipate and save for home maintenance costs as well.

• Check your credit score. Your credit history is another important factor when applying for a loan. Most lenders rely on the Fair Isaac Corporation (FICO) credit score or the VantageScore when determining your qualifications for a loan. The score reflects how well you manage your debt and is calculated using data from your credit report. A low credit score will result in a higher interest rate on your loan. If your score is too low, you may not be approved for a loan at all. There are a number of things you can do to improve your credit score, including paying your bills on time, only opening lines of credit you need and keeping your credit card balances below half of your available credit.

• Factor in closing costs. Once you’ve found a home and agreed on a purchase price, there will be costs associated with closing the sale. These costs can vary widely and will depend on the purchase price of the home and whether a real estate attorney or title/escrow company will be involved in the transaction. By law, lenders are required to give you a written estimate of closing costs within three days of accepting your loan application.

Visit our website at www.orrstown.com or call toll free 1.888.ORRSTOWN to find an Orrstown Bank mortgage professional near you! Orrstown Bank, equal housing lender, Member FDIC.

With over $1.4 billion in assets, Orrstown Financial Services, Inc. and its subsidiary, Orrstown Bank, provide a full range of consumer and business financial services through twenty 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.

Jessica Middour, Business Banking Officer, Joins Orrstown Bank

Shippensburg, PA (11/1/2010) Orrstown Bank (NASDAQ: ORRF) is pleased to announce that Jessica Middour has joined the Company as a Business Banking Officer for the Hagerstown Market. With 14 years of banking experience in the Waynesboro/Hagerstown Markets, Jessica's experience and familiarity with the area will be an asset to the organization as we take our Western Maryland market to the next level.

Most recently employed by Sovereign Bank as a Senior Level Teller and Insurance Agent, Jessica is a graduate of Waynesboro High School. Middour is licensed to sell Life Insurance in both Pennsylvania and Maryland and she currently lives in Waynesboro.

With over $1.4 billion in assets, Orrstown Financial Services, Inc. and its subsidiary, Orrstown Bank, provide a full range of consumer and business financial services through twenty 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.