8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES

EXCHANGE ACT OF 1934

DATE OF REPORT (Date of Earliest Event Reported): November 11, 2008 (November 11, 2008)

ORRSTOWN FINANCIAL SERVICES, INC.

(Exact name of registrant as specified in its charter)

PENNSYLVANIA

(State or other jurisdiction of incorporation)

033-18888	23-2530374
(Commission file number)	(IRS employer ID)
77 East King Street, Shippensburg, Pennsylvania	17257
(Address of principal executive office)	(Zip Code)

Registrant’s telephone number, including area code – (717) 532-6114

NONE

(Former name, address and fiscal year, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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ORRSTOWN FINANCIAL SERVICES, INC.

FORM 8-K

Item 7.01. Regulation FD Disclosure

On November 11, 2008, the President of Orrstown Financial Services, Inc. (OTCBB: ORRF) placed an open letter in local newspapers addressed to the general public.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits:

Exhibit No.	Description
99.1	President’s letter placed in local newspapers.

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ORRSTOWN FINANCIAL SERVICES, INC.

FORM 8-K

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

	Orrstown Financial Services, Inc.
Date: November 11, 2008	/s/ Kenneth R. Shoemaker
	Kenneth R. Shoemaker, President and
	Chief Executive Officer

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ORRSTOWN FINANCIAL SERVICES, INC.

FORM 8-K

EXHIBIT INDEX

Exhibit Number	Description
99.1	President’s letter placed in local newspapers.

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EX-99.1

EXHIBIT 99.1

Filed by Orrstown Financial Services, Inc.

Commission File No.: 033-18888

STRONG, SAFE, AND SECURE

Dear Shareholders, Customers and Friends:

Orrstown Bank, like thousands of other community banks, has watched the reputation of our industry be tarnished as the word “bank” was used to cover all sorts of financial institutions that were not, in fact, banks.

Unlike some of the largest institutions, Orrstown Bank has not made one toxic subprime loan or purchased any preferred stock in now defunct government subsidized organizations. Plus, throughout this financial crisis, Orrstown Bank has continued to do business as usual—helping our customers and communities.

Orrstown Bank does not want or need any government sponsored bailout. We are one of the strongest, best performing financial institutions in the country. We continue to stand on solid ground with respect to capitalization, asset quality, earnings, and core banking operations. We are successfully weathering the current downturn in the economy and are well positioned for continued growth throughout our market.

STRONG. SAFE. SECURE.

Our mission statement is to “help customers realize their dreams”. We have been doing that under the same name for 89 years and we are going to continue helping our customers and communities going forward. When it comes right down to it, we believe banking is about relationships and our customer-focused strategy has been a key factor in our success. Happy customers tend to be loyal customers and loyal customers refer their friends, relatives, and neighbors. It’s that simple!

If you have any questions about Orrstown Bank call me at 717-530-2600 or e-mail me at president@orrstown.com. When the name of your bank changes, try Orrstown! You can sleep at night knowing that Orrstown Bank is strong, safe, and secure.

Sincerely,
/s/ Kenneth R. Shoemaker
Kenneth R. Shoemaker President and Chief Executive Officer

Member

FDIC

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