SEC FORM 13F-HR

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 COVER PAGE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	July 31, 2015
Estimated average burden
hours per response:		23.8

Report for the Calendar Year or Quarter Ended:

09-30-2024

Check here if Amendment		Amendment Number:
This Amendment (Check only one.):		is a restatement.
		adds new holdings entries.

Institutional Investment Manager Filing this Report:
Name:	ORRSTOWN FINANCIAL SERVICES INC
Address:	4750 Lindle Rd

	Harrisburg, PA 17111
Form 13F File Number:	028-13107

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name:	Monica Balafoutas
Title:	SVP Wealth & Trust Investment Manager
Phone:	717-530-2288
Signature, Place, and Date of Signing:
/s/ Monica Balafoutas		Harrisburg, PA	10-24-2024
[Signature]		[City, State]	[Date]

Report Type (Check only one.):
X	13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
	13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
	13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

Form 13F Summary Page
	Report Summary:
	Number of Other Included Managers:	0
	Form 13F Information Table Entry Total:	161
	Form 13F Information Table Value Total:	338,525,628
		(thousands)

List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
NONE

SEC FORM 13-F Information Table

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

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	July 31, 2015
Estimated average burden
hours per response:		23.8

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	977,522	8,574	SH		SOLE		8,574	0	0
Abbvie Inc	Common Stock	00287Y109	1,011,493	5,122	SH		SOLE		5,122	0	0
Accenture PLC	Int'l Common Stock	G1151C101	312,476	884	SH		SOLE		884	0	0
Adobe Inc.	Common Stock	00724F101	1,609,262	3,108	SH		SOLE		3,108	0	0
Advanced Micro Devices Inc	Common Stock	007903107	581,336	3,543	SH		SOLE		3,543	0	0
Aflac Inc	Common Stock	001055102	267,985	2,397	SH		SOLE		2,397	0	0
Alphabet Inc	Common Stock	02079K305	3,626,976	21,869	SH		SOLE		21,869	0	0
Alphabet Inc	Common Stock	02079K107	836,955	5,006	SH		SOLE		5,006	0	0
Amazon com	Common Stock	023135106	3,306,423	17,745	SH		SOLE		17,745	0	0
American Century Focused Large Cap Value	Exchange Traded Fund	025072794	1,353,755	19,350	SH		SOLE		19,350	0	0
American Electric Power Inc	Common Stock	025537101	310,570	3,027	SH		SOLE		3,027	0	0
American Express Company	Common Stock	025816109	1,213,078	4,473	SH		SOLE		4,473	0	0
Ameriprise Financial Inc	Common Stock	03076C106	201,079	428	SH		SOLE		428	0	0
Amgen Inc	Common Stock	031162100	972,751	3,019	SH		SOLE		3,019	0	0
Apple Inc.	Common Stock	037833100	6,578,755	28,235	SH		SOLE		28,235	0	0
Applied Materials Inc	Common Stock	038222105	1,291,505	6,392	SH		SOLE		6,392	0	0
AT&T INC	Common Stock	00206R102	336,820	15,310	SH		SOLE		15,310	0	0
AT&T INC	Common Stock	00206R102	22,000	1,000	SH		OTR		1,000	0	0
Avantis U.S. Small Cap Value	Exchange Traded Fund	025072877	24,033,844	250,483	SH		SOLE		250,333	102	48
Avantis U.S. Small Cap Value	Exchange Traded Fund	025072877	102,571	1,069	SH		OTR		1,069	0	0
Bank of America Corporation	Common Stock	060505104	388,586	9,793	SH		SOLE		9,793	0	0
BERKSHIRE HATHAWAY INC DEL	Common Stock	084670702	1,516,098	3,294	SH		SOLE		3,294	0	0
BOEING CO	Common Stock	097023105	250,562	1,648	SH		SOLE		1,648	0	0
BOOKING HOLDINGS INC	Common Stock	09857L108	509,665	121	SH		SOLE		121	0	0
BRISTOL MYERS SQUIBB CO	Common Stock	110122108	442,739	8,557	SH		SOLE		8,557	0	0
BRISTOL MYERS SQUIBB CO	Common Stock	110122108	10,348	200	SH		OTR		200	0	0
Broadcom Inc	Common Stock	11135F101	1,476,255	8,558	SH		SOLE		8,558	0	0
Caterpillar Inc	Common Stock	149123101	1,113,910	2,848	SH		SOLE		2,848	0	0
CDW Corp	Common Stock	12514G108	307,769	1,360	SH		SOLE		1,360	0	0
Chevron Corp.	Common Stock	166764100	1,183,463	8,036	SH		SOLE		8,036	0	0
CHEVRON CORPORATION	Common Stock	166764100	14,727	100	SH		OTR		100	0	0
CHUBB LIMITED	Common Stock	H1467J104	208,794	724	SH		SOLE		724	0	0
Cisco Systems Inc	Common Stock	17275R102	874,033	16,423	SH		SOLE		16,423	0	0
COCA COLA CO	Common Stock	191216100	516,962	7,194	SH		SOLE		7,194	0	0
COCA COLA CO	Common Stock	191216100	7,186	100	SH		OTR		100	0	0
CONOCOPHILLIPS	Common Stock	20825C104	341,740	3,246	SH		SOLE		3,246	0	0
Costco Wholesale Corporation	Common Stock	22160K105	1,781,909	2,010	SH		SOLE		2,010	0	0
D R HORTON INC	Common Stock	23331A109	721,683	3,783	SH		SOLE		3,783	0	0
DANAHER CORP	Common Stock	235851102	424,535	1,527	SH		SOLE		1,527	0	0
DUKE ENERGY CORP	Common Stock	26441C204	216,880	1,881	SH		SOLE		1,881	0	0
Eaton Corp. PLC	Int'l Common Stock	G29183103	1,044,369	3,151	SH		SOLE		3,151	0	0
ELI LILLY & CO	Common Stock	532457108	265,782	300	SH		OTR		300	0	0
Eli Lilly and Co	Common Stock	532457108	1,164,125	1,314	SH		SOLE		1,314	0	0
EMERSON ELECTRIC CO	Common Stock	291011104	202,007	1,847	SH		SOLE		1,847	0	0
ENBRIDGE INC	Foreign Stock	29250N105	194,278	4,784	SH		SOLE		4,784	0	0
ENBRIDGE INC	Foreign Stock	29250N105	11,980	295	SH		OTR		295	0	0
Exxon Mobil Corp	Common Stock	30231G102	1,428,680	12,188	SH		SOLE		12,188	0	0
EXXON MOBIL CORP	Common Stock	30231G102	11,722	100	SH		OTR		100	0	0
Fidelity Enhanced International	International Equity ETF	31609A404	15,317,804	505,872	SH		SOLE		505,597	174	101
Fidelity Enhanced International	International Equity ETF	31609A404	68,312	2,256	SH		OTR		2,256	0	0
FULTON FINANCIAL CORP PA	Common Stock	360271100	465,017	25,649	SH		SOLE		25,649	0	0
GE AEROSPACE	Common Stock	369604301	1,912,767	10,143	SH		SOLE		10,143	0	0
GE HEALTHCARE TECHNOLOGIES INC	Common Stock	36266G107	230,589	2,457	SH		SOLE		2,457	0	0
GE VERNOVA INC	Common Stock	36828A101	515,315	2,021	SH		SOLE		2,021	0	0
GILEAD SCIENCES INC	Common Stock	375558103	310,544	3,704	SH		SOLE		3,704	0	0
Goldman Sachs Small Cap Core	Exchange Traded Fund	38149W614	514,608	9,724	SH		SOLE		9,724	0	0
HERSHEY CO	Common Stock	427866108	493,065	2,571	SH		SOLE		2,571	0	0
Home Depot	Common Stock	437076102	1,891,474	4,668	SH		SOLE		4,668	0	0
Honeywell International Inc	Common Stock	438516106	646,175	3,126	SH		SOLE		3,126	0	0
INTUIT	Common Stock	461202103	266,409	429	SH		SOLE		429	0	0
INTUITIVE SURGICAL INC	Common Stock	46120E602	257,918	525	SH		SOLE		525	0	0
INVESCO	ETF-Equity	46090E103	3,015,785	6,179	SH		SOLE		6,179	0	0
INVESCO	ETF-Fixed Incom	46138E511	123,500	10,000	SH		SOLE		10,000	0	0
Invesco Russell 1000 Dynamic Multifactor	Exchange Traded Fund	46138J619	50,195,307	947,260	SH		SOLE		946,696	373	191
Invesco Russell 1000 Dynamic Multifactor	Exchange Traded Fund	46138J619	225,949	4,264	SH		OTR		4,264	0	0
Invesco Russell 2000 Dynamic Multifactor	Exchange Traded Fund	46138J593	1,124,802	28,440	SH		SOLE		28,440	0	0
ISHARES	ETF-Fixed Incom	464287226	1,926,664	19,025	SH		SOLE		19,025	0	0
ISHARES	ETF-Fixed Incom	464287432	2,699,237	27,515	SH		SOLE		27,515	0	0
ISHARES	ETF-Fixed Incom	464287432	2,845	29	SH		OTR		29	0	0
ISHARES	ETF-Equity	464287598	502,209	2,646	SH		SOLE		2,646	0	0
ISHARES	ETF-Equity	464287614	1,043,555	2,780	SH		SOLE		2,780	0	0
ISHARES	ETF-Equity	464287804	7,863,240	67,230	SH		SOLE		67,230	0	0
ISHARES	ETF-Equity	464287804	8,304	71	SH		OTR		71	0	0
ISHARES	ETF-Equity	464288240	1,258,211	21,989	SH		SOLE		21,989	0	0
ISHARES	ETF-Equity	46434G822	3,754,484	52,481	SH		SOLE		52,481	0	0
ISHARES	ETF-Equity	46434G822	5,294	74	SH		OTR		74	0	0
ISHARES	ETF-Equity	46434V621	377,268	6,018	SH		SOLE		6,018	0	0
iShares Core MSCI EAFE ETF	International Equity ETF	46432F842	4,660,600	59,713	SH		SOLE		59,713	0	0
iShares Core MSCI Emerging Markets ETF	International Equity ETF	46434G103	2,241,975	39,052	SH		SOLE		39,052	0	0
iShares Core S&P 500 Index Fund	Exchange Traded Fund	464287200	54,617,931	94,688	SH		SOLE		94,636	34	18
iShares Core S&P 500 Index Fund	Exchange Traded Fund	464287200	236,496	410	SH		OTR		410	0	0
iShares Core S&P Mid-Cap Index Fund	Exchange Traded Fund	464287507	10,551,088	169,305	SH		SOLE		169,305	0	0
iShares MSCI EAFE ETF	International Equity ETF	464287465	1,552,006	18,558	SH		SOLE		18,558	0	0
iShares MSCI Emerging Markets ETF	International Equity ETF	464287234	604,114	13,173	SH		SOLE		13,173	0	0
iShares Russell 1000 Index Fund	Exchange Traded Fund	464287622	2,182,495	6,942	SH		SOLE		6,942	0	0
Johnson & Johnson	Common Stock	478160104	1,340,724	8,273	SH		SOLE		8,273	0	0
JPMorgan Active Growth	Exchange Traded Fund	46654Q609	15,476,175	201,303	SH		SOLE		201,066	237	0
JPMorgan Chase & Co	Common Stock	46625H100	2,349,614	11,143	SH		SOLE		11,143	0	0
JPMorgan Equity Premium Income ETF	Exchange Traded Fund	46641Q332	8,180,370	137,462	SH		SOLE		137,462	0	0
JPMorgan Hedged Equity Laddered Overlay	Exchange Traded Fund	46654Q724	5,326,700	87,123	SH		SOLE		87,123	0	0
KIMBERLY-CLARK CORP	Common Stock	494368103	290,108	2,039	SH		SOLE		2,039	0	0
LAM RESEARCH CORP	Common Stock	512807108	646,335	792	SH		SOLE		792	0	0
Lockheed Martin Corp	Common Stock	539830109	600,928	1,028	SH		SOLE		1,028	0	0
Mastercard Inc	Common Stock	57636Q104	1,520,904	3,080	SH		SOLE		3,080	0	0
Materials Select Sector SPDR Fund	Exchange Traded Fund	81369Y100	625,699	6,492	SH		SOLE		6,492	0	0
Mcdonald's Corp	Common Stock	580135101	1,235,703	4,058	SH		SOLE		4,058	0	0
MEDTRONIC PLC	Foreign Stock	G5960L103	211,211	2,346	SH		SOLE		2,346	0	0
Merck & Co Inc	Common Stock	58933Y105	1,118,905	9,853	SH		SOLE		9,853	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	136,272	1,200	SH		OTR		1,200	0	0
Meta Platforms Inc	Common Stock	30303M102	1,800,897	3,146	SH		SOLE		3,146	0	0
Microsoft Corp	Common Stock	594918104	7,365,023	17,116	SH		SOLE		17,116	0	0
MIDCAP FINANCIAL INVESTMENT CORP	ETF-Fixed Incom	03761U502	182,640	13,640	SH		SOLE		13,640	0	0
MONDELEZ INTERNATIONAL INC	Common Stock	609207105	382,053	5,186	SH		SOLE		5,186	0	0
MORGAN STANLEY	Common Stock	617446448	366,926	3,520	SH		SOLE		3,520	0	0
NATIONAL GRID PLC	Foreign Stock	636274409	208,036	2,986	SH		SOLE		2,986	0	0
Netflix Inc	Common Stock	64110L106	712,107	1,004	SH		SOLE		1,004	0	0
NEXTERA ENERGY INC	Common Stock	65339F101	230,176	2,723	SH		SOLE		2,723	0	0
NORFOLK SOUTHERN CORP	Common Stock	655844108	276,335	1,112	SH		SOLE		1,112	0	0
NVIDIA Corp	Common Stock	67066G104	3,944,856	32,484	SH		SOLE		32,484	0	0
Oracle Corp	Common Stock	68389X105	992,580	5,825	SH		SOLE		5,825	0	0
Palo Alto Networks Inc	Common Stock	697435105	330,179	966	SH		SOLE		966	0	0
PepsiCo Inc	Common Stock	713448108	1,726,517	10,153	SH		SOLE		10,153	0	0
PFIZER INC	Common Stock	717081103	426,574	14,740	SH		SOLE		14,740	0	0
PHILIP MORRIS INTERNATIONAL INC	Common Stock	718172109	298,401	2,458	SH		SOLE		2,458	0	0
PNC FINANCIAL SERVICES GROUP INC	Common Stock	693475105	1,588,972	8,596	SH		SOLE		8,596	0	0
PNC FINANCIAL SERVICES GROUP INC	Common Stock	693475105	189,471	1,025	SH		OTR		1,025	0	0
Procter & Gamble Co	Common Stock	742718109	1,874,543	10,823	SH		SOLE		10,823	0	0
PROCTER & GAMBLE CO	Common Stock	742718109	34,640	200	SH		OTR		200	0	0
PROGRESSIVE CORP	Common Stock	743315103	554,719	2,186	SH		SOLE		2,186	0	0
PROLOGIS INC	Common Stock	74340W103	261,778	2,073	SH		SOLE		2,073	0	0
Qualcomm Inc	Common Stock	747525103	455,564	2,679	SH		SOLE		2,679	0	0
QUANTA SERVICES INC	Common Stock	74762E102	292,784	982	SH		SOLE		982	0	0
Real Estate Select Sector SPDR Fund	Exchange Traded Fund	81369Y860	616,089	13,792	SH		SOLE		13,792	0	0
REGENERON PHARMACEUTICALS	Common Stock	75886F107	236,528	225	SH		SOLE		225	0	0
ROCKWELL AUTOMATION INC	Common Stock	773903109	322,152	1,200	SH		SOLE		1,200	0	0
RTX Corporation	Common Stock	75513E101	1,328,518	10,965	SH		SOLE		10,965	0	0
S&P Global Inc	Common Stock	78409V104	676,256	1,309	SH		SOLE		1,309	0	0
SALESFORCE, INC.	Common Stock	79466L302	1,147,941	4,194	SH		SOLE		4,194	0	0
ServiceNow Inc	Common Stock	81762P102	649,327	726	SH		SOLE		726	0	0
SPDR Dow Jones Industrial Average ETF Trust	Exchange Traded Fund	78467X109	574,597	1,358	SH		SOLE		1,358	0	0
SPDR S&P 500	ETF-Equity	78462F103	501,466	874	SH		SOLE		874	0	0
STARBUCKS CORP	Common Stock	855244109	229,591	2,355	SH		SOLE		2,355	0	0
STRYKER CORPORATION	Common Stock	863667101	222,175	615	SH		SOLE		615	0	0
TAIWAN SEMICONDUCTOR MFG LTD	Foreign Stock	874039100	212,572	1,224	SH		SOLE		1,224	0	0
Tesla Inc	Common Stock	88160R101	913,088	3,490	SH		SOLE		3,490	0	0
Thermo Fisher Scientific Inc	Common Stock	883556102	1,120,236	1,811	SH		SOLE		1,811	0	0
TJX Companies Inc	Common Stock	872540109	1,378,274	11,726	SH		SOLE		11,726	0	0
T-MOBILE US INC	Common Stock	872590104	985,161	4,774	SH		SOLE		4,774	0	0
TOTAL SE	Foreign Stock	89151E109	209,627	3,244	SH		SOLE		3,244	0	0
TRANE TECHNOLOGIES INC	Foreign Stock	G8994E103	209,137	538	SH		SOLE		538	0	0
Travelers Companies Inc	Common Stock	89417E109	628,612	2,685	SH		SOLE		2,685	0	0
Union Pacific Corp	Common Stock	907818108	1,234,373	5,008	SH		SOLE		5,008	0	0
UnitedHealth Group Inc	Common Stock	91324P102	2,760,273	4,721	SH		SOLE		4,721	0	0
Utilities Select Sector SPDR Fund	Exchange Traded Fund	81369Y886	645,836	7,995	SH		SOLE		7,995	0	0
VANGUARD	ETF-Equity	92206C599	646,098	2,547	SH		SOLE		2,547	0	0
Vanguard 500 Index Fund	Exchange Traded Fund	922908363	2,317,527	4,392	SH		SOLE		4,392	0	0
Vanguard Emerging Markets Stock Index Fund	International Equity ETF	922042858	870,583	18,194	SH		SOLE		18,194	0	0
Vanguard Idx Fund	Exchange Traded Fund	922908769	240,686	850	SH		SOLE		850	0	0
Vanguard Intermediate Term Bond ETF	Fixed Income ETF	921937819	3,637,544	46,415	SH		SOLE		46,415	0	0
Vanguard Mid-Cap Index Fund	Exchange Traded Fund	922908629	590,188	2,237	SH		SOLE		2,237	0	0
Vanguard Short-Term Corporate Bond Idx Fd	Fixed Income ETF	92206C409	457,142	5,756	SH		SOLE		5,756	0	0
Vanguard Small-Cap Index Fund	Exchange Traded Fund	922908751	3,195,930	13,473	SH		SOLE		13,473	0	0
Verizon Communications Inc	Common Stock	92343V104	788,754	17,563	SH		SOLE		17,563	0	0
Verizon Communications Inc	Common Stock	92343V104	22,455	500	SH		OTR		500	0	0
VERTEX PHARMACEUTICALS INC	Common Stock	92532F100	325,091	699	SH		SOLE		699	0	0
Visa Inc	Common Stock	92826C839	2,403,890	8,743	SH		SOLE		8,743	0	0
Walmart Inc	Common Stock	931142103	1,789,423	22,160	SH		SOLE		22,160	0	0
Walt Disney Co	Common Stock	254687106	553,958	5,759	SH		SOLE		5,759	0	0
WASTE MANAGEMENT INC	Common Stock	94106L109	642,938	3,097	SH		SOLE		3,097	0	0
YORK WATER CO	Common Stock	987184108	418,652	11,176	SH		SOLE		11,176	0	0
YORK WATER CO	Common Stock	987184108	26,222	700	SH		OTR		700	0	0