Orrstown Financial Services, Inc.is a holding company for Orrstown Bank (the Bank). The Company’s primary activity consists of owning and supervising its subsidiary, the Bank. The Bank provides banking and bank related services through 22 offices, located in South Central Pennsylvania, principally in Cumberland, Franklin, Lancaster and Perry Counties and in Washington County, Maryland. The Bank is engaged in commercial banking and trust business. This involves accepting demand, time and savings deposits, and granting loans. The Bank grants commercial, residential, consumer and agribusiness loans in its market areas of Franklin, Perry and Cumberland Counties in Pennsylvania and in Washington County, Maryland. Orrstown Financial Advisors (OFA) offers retail brokerage services through a third party broker/dealer arrangement with Financial Network Investment Company (FNIC).