<?xml version="1.0" encoding="US-ASCII"?>
<!--XBRL Document Created with Wdesk from Workiva-->
<!-- -->
<xsd:schema attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.orrstown.com/20160331" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:orrf="http://www.orrstown.com/20160331" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
  <xsd:import namespace="http://fasb.org/us-gaap/2016-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd" />
  <xsd:import namespace="http://fasb.org/us-roles/2016-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2016/elts/us-roles-2016-01-31.xsd" />
  <xsd:import namespace="http://fasb.org/us-types/2016-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2016/elts/us-types-2016-01-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/country/2016-01-31" schemaLocation="http://xbrl.sec.gov/country/2016/country-2016-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/currency/2016-01-31" schemaLocation="http://xbrl.sec.gov/currency/2016/currency-2016-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/dei/2014-01-31" schemaLocation="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/exch/2016-01-31" schemaLocation="http://xbrl.sec.gov/exch/2016/exch-2016-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/naics/2011-01-31" schemaLocation="http://xbrl.sec.gov/naics/2011/naics-2011-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/sic/2011-01-31" schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/stpr/2011-01-31" schemaLocation="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="orrf-20160331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="orrf-20160331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="orrf-20160331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="orrf-20160331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple" />
      <link:roleType id="ConsolidatedBalanceSheetsUnaudited" roleURI="http://www.orrstown.com/role/ConsolidatedBalanceSheetsUnaudited">
        <link:definition>1001000 - Statement - Consolidated Balance Sheets (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedBalanceSheetsUnauditedParenthetical" roleURI="http://www.orrstown.com/role/ConsolidatedBalanceSheetsUnauditedParenthetical">
        <link:definition>1001501 - Statement - Consolidated Balance Sheets (Unaudited) (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfCashFlowsUnaudited" roleURI="http://www.orrstown.com/role/ConsolidatedStatementsOfCashFlowsUnaudited">
        <link:definition>1005000 - Statement - Consolidated Statements of Cash Flows (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfChangesInShareholdersEquityUnaudited" roleURI="http://www.orrstown.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityUnaudited">
        <link:definition>1004000 - Statement - Consolidated Statements of Changes in Shareholders&#8217; Equity (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfChangesInShareholdersEquityUnauditedParenthetical" roleURI="http://www.orrstown.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityUnauditedParenthetical">
        <link:definition>1004501 - Statement - Consolidated Statements of Changes in Shareholders&#8217; Equity (Unaudited) (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfComprehensiveIncomeUnaudited" roleURI="http://www.orrstown.com/role/ConsolidatedStatementsOfComprehensiveIncomeUnaudited">
        <link:definition>1003000 - Statement - Consolidated Statements of Comprehensive Income (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfIncomeUnaudited" roleURI="http://www.orrstown.com/role/ConsolidatedStatementsOfIncomeUnaudited">
        <link:definition>1002000 - Statement - Consolidated Statements of Income (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Contingencies" roleURI="http://www.orrstown.com/role/Contingencies">
        <link:definition>2110100 - Disclosure - CONTINGENCIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ContingenciesDetail" roleURI="http://www.orrstown.com/role/ContingenciesDetail">
        <link:definition>2410401 - Disclosure - CONTINGENCIES (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DocumentAndEntityInformation" roleURI="http://www.orrstown.com/role/DocumentAndEntityInformation">
        <link:definition>0001000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerShare" roleURI="http://www.orrstown.com/role/EarningsPerShare">
        <link:definition>2107100 - Disclosure - EARNINGS PER SHARE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerShareAdditionalInformationDetail" roleURI="http://www.orrstown.com/role/EarningsPerShareAdditionalInformationDetail">
        <link:definition>2407403 - Disclosure - EARNINGS PER SHARE - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerShareCalculationOfBasicAndDilutedEarningsPerSharedetail" roleURI="http://www.orrstown.com/role/EarningsPerShareCalculationOfBasicAndDilutedEarningsPerSharedetail">
        <link:definition>2407402 - Disclosure - EARNINGS PER SHARE - Calculation of Basic and Diluted Earnings per Share(Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerShareTables" roleURI="http://www.orrstown.com/role/EarningsPerShareTables">
        <link:definition>2307301 - Disclosure - EARNINGS PER SHARE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDisclosures" roleURI="http://www.orrstown.com/role/FairValueDisclosures">
        <link:definition>2109100 - Disclosure - FAIR VALUE DISCLOSURES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDisclosuresAdditionalInformationDetail" roleURI="http://www.orrstown.com/role/FairValueDisclosuresAdditionalInformationDetail">
        <link:definition>2409402 - Disclosure - FAIR VALUE DISCLOSURES - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDisclosuresFinancialInstrumentsAtEstimatedFairValuesDetail" roleURI="http://www.orrstown.com/role/FairValueDisclosuresFinancialInstrumentsAtEstimatedFairValuesDetail">
        <link:definition>2409406 - Disclosure - FAIR VALUE DISCLOSURES - Financial Instruments at Estimated Fair Values (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDisclosuresSummaryOfAdditionalQualitativeInformationDetail" roleURI="http://www.orrstown.com/role/FairValueDisclosuresSummaryOfAdditionalQualitativeInformationDetail">
        <link:definition>2409404 - Disclosure - FAIR VALUE DISCLOSURES - Summary of Additional Qualitative Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDisclosuresSummaryOfAssetsMeasuredAtEstimatedFairValueOnRecurringBasisDetail" roleURI="http://www.orrstown.com/role/FairValueDisclosuresSummaryOfAssetsMeasuredAtEstimatedFairValueOnRecurringBasisDetail">
        <link:definition>2409403 - Disclosure - FAIR VALUE DISCLOSURES - Summary of Assets Measured at Estimated Fair Value on Recurring Basis (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDisclosuresSummaryOfAssetsMeasuredAtFairValueOnNonrecurringBasisDetail" roleURI="http://www.orrstown.com/role/FairValueDisclosuresSummaryOfAssetsMeasuredAtFairValueOnNonrecurringBasisDetail">
        <link:definition>2409405 - Disclosure - FAIR VALUE DISCLOSURES - Summary of Assets Measured at Fair Value on Nonrecurring Basis (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDisclosuresTables" roleURI="http://www.orrstown.com/role/FairValueDisclosuresTables">
        <link:definition>2309301 - Disclosure - FAIR VALUE DISCLOSURES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialInstrumentsWithOffBalanceSheetRisk" roleURI="http://www.orrstown.com/role/FinancialInstrumentsWithOffBalanceSheetRisk">
        <link:definition>2108100 - Disclosure - FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialInstrumentsWithOffBalanceSheetRiskAdditionalInformationDetail" roleURI="http://www.orrstown.com/role/FinancialInstrumentsWithOffBalanceSheetRiskAdditionalInformationDetail">
        <link:definition>2408403 - Disclosure - FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialInstrumentsWithOffBalanceSheetRiskCommitmentsAndConditionalObligationsDetail" roleURI="http://www.orrstown.com/role/FinancialInstrumentsWithOffBalanceSheetRiskCommitmentsAndConditionalObligationsDetail">
        <link:definition>2408402 - Disclosure - FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK - Commitments and Conditional Obligations (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialInstrumentsWithOffBalanceSheetRiskTables" roleURI="http://www.orrstown.com/role/FinancialInstrumentsWithOffBalanceSheetRiskTables">
        <link:definition>2308301 - Disclosure - FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxes" roleURI="http://www.orrstown.com/role/IncomeTaxes">
        <link:definition>2104100 - Disclosure - INCOME TAXES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesAdditionalInformationDetail" roleURI="http://www.orrstown.com/role/IncomeTaxesAdditionalInformationDetail">
        <link:definition>2404403 - Disclosure - INCOME TAXES - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesComponentsOfIncomeTaxExpensesDetail" roleURI="http://www.orrstown.com/role/IncomeTaxesComponentsOfIncomeTaxExpensesDetail">
        <link:definition>2404402 - Disclosure - INCOME TAXES - Components of Income Tax Expenses (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesComponentsOfNetDeferredTaxAssetDetail" roleURI="http://www.orrstown.com/role/IncomeTaxesComponentsOfNetDeferredTaxAssetDetail">
        <link:definition>2404404 - Disclosure - INCOME TAXES - Components of Net Deferred Tax Asset (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesTables" roleURI="http://www.orrstown.com/role/IncomeTaxesTables">
        <link:definition>2304301 - Disclosure - INCOME TAXES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLosses" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLosses">
        <link:definition>2103100 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesActivityInAllowanceForLoanLossesDetail" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesActivityInAllowanceForLoanLossesDetail">
        <link:definition>2403411 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Activity in Allowance for Loan Losses (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesAdditionalInformationDetail" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesAdditionalInformationDetail">
        <link:definition>2403402 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeDetail" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeDetail">
        <link:definition>2403406 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Average Recorded Investment in Impaired Loans and Related Interest Income (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesBanksRatingsBasedOnItsInternalRiskRatingSystemDetail" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesBanksRatingsBasedOnItsInternalRiskRatingSystemDetail">
        <link:definition>2403404 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Bank's Ratings Based on its Internal Risk Rating System (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesImpairedLoansByClassDetail" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesImpairedLoansByClassDetail">
        <link:definition>2403405 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Impaired Loans by Class (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesLoanPortfolioSummarizedByAgingCategoriesOfPerformingLoansAndNonaccrualLoansDetail" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesLoanPortfolioSummarizedByAgingCategoriesOfPerformingLoansAndNonaccrualLoansDetail">
        <link:definition>2403410 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Loan Portfolio Summarized by Aging Categories of Performing Loans and Nonaccrual Loans (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesNumberOfLoansModifiedAndTheirPreModificationAndPostModificationInvestmentBalancesDetail" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesNumberOfLoansModifiedAndTheirPreModificationAndPostModificationInvestmentBalancesDetail">
        <link:definition>2403408 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Number of Loans Modified and Their Pre-Modification and Post-Modification Investment Balances (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesRestructuredLoansIncludedInNonaccrualStatusWereModifiedAsTroubledDebtRestructuringsWithinPrevious12MonthsAndForWhichThereWasPaymentDefaultDetail" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesRestructuredLoansIncludedInNonaccrualStatusWereModifiedAsTroubledDebtRestructuringsWithinPrevious12MonthsAndForWhichThereWasPaymentDefaultDetail">
        <link:definition>2403409 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Restructured Loans Included in Nonaccrual Status were Modified as Troubled Debt Restructurings within Previous 12 Months and for which There was Payment Default (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesSummaryOfEndingLoanBalancesEvaluatedForImpairmentAndRelatedAllowanceForLoanLossesAllocationDetail" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesSummaryOfEndingLoanBalancesEvaluatedForImpairmentAndRelatedAllowanceForLoanLossesAllocationDetail">
        <link:definition>2403412 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Summary of Ending Loan Balances Evaluated for Impairment and Related Allowance for Loan Losses Allocation (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesSummaryOfLoanPortfolioExcludingResidentialLoansHeldForSaleBrokenOutByClassesDetail" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesSummaryOfLoanPortfolioExcludingResidentialLoansHeldForSaleBrokenOutByClassesDetail">
        <link:definition>2403403 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Summary of Loan Portfolio, Excluding Residential Loans Held for Sale, Broken Out by Classes (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesTables" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesTables">
        <link:definition>2303301 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableAndAllowanceForLoanLossesTroubledDebtRestructuringsDetail" roleURI="http://www.orrstown.com/role/LoansReceivableAndAllowanceForLoanLossesTroubledDebtRestructuringsDetail">
        <link:definition>2403407 - Disclosure - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Troubled Debt Restructurings (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SecuritiesAvailableForSale" roleURI="http://www.orrstown.com/role/SecuritiesAvailableForSale">
        <link:definition>2102100 - Disclosure - SECURITIES AVAILABLE FOR SALE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SecuritiesAvailableForSaleAdditionalInformationDetail" roleURI="http://www.orrstown.com/role/SecuritiesAvailableForSaleAdditionalInformationDetail">
        <link:definition>2402404 - Disclosure - SECURITIES AVAILABLE FOR SALE - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SecuritiesAvailableForSaleAmortizedCostAndFairValuesOfInvestmentSecuritiesAvailableForSaleDetail" roleURI="http://www.orrstown.com/role/SecuritiesAvailableForSaleAmortizedCostAndFairValuesOfInvestmentSecuritiesAvailableForSaleDetail">
        <link:definition>2402402 - Disclosure - SECURITIES AVAILABLE FOR SALE - Amortized Cost and Fair Values of Investment Securities Available for Sale (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SecuritiesAvailableForSaleGrossUnrealizedLossesAndFairValueOfCompanysAvailableForSaleSecuritiesDetail" roleURI="http://www.orrstown.com/role/SecuritiesAvailableForSaleGrossUnrealizedLossesAndFairValueOfCompanysAvailableForSaleSecuritiesDetail">
        <link:definition>2402403 - Disclosure - SECURITIES AVAILABLE FOR SALE - Gross Unrealized Losses and Fair Value of Company's Available for Sale Securities (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SecuritiesAvailableForSaleScheduleOfAmortizedCostAndFairValuesOfSecuritiesAvailableForSaleByContractualMaturityDetail" roleURI="http://www.orrstown.com/role/SecuritiesAvailableForSaleScheduleOfAmortizedCostAndFairValuesOfSecuritiesAvailableForSaleByContractualMaturityDetail">
        <link:definition>2402405 - Disclosure - SECURITIES AVAILABLE FOR SALE - Schedule of Amortized Cost and Fair Values of Securities Available for Sale by Contractual Maturity (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SecuritiesAvailableForSaleTables" roleURI="http://www.orrstown.com/role/SecuritiesAvailableForSaleTables">
        <link:definition>2302301 - Disclosure - SECURITIES AVAILABLE FOR SALE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareBasedCompensationPlans" roleURI="http://www.orrstown.com/role/ShareBasedCompensationPlans">
        <link:definition>2105100 - Disclosure - SHARE-BASED COMPENSATION PLANS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareBasedCompensationPlansAdditionalInformationDetail" roleURI="http://www.orrstown.com/role/ShareBasedCompensationPlansAdditionalInformationDetail">
        <link:definition>2405402 - Disclosure - SHARE-BASED COMPENSATION PLANS - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareBasedCompensationPlansInformationPertainingToOutstandingAndExercisableOptionsDetail" roleURI="http://www.orrstown.com/role/ShareBasedCompensationPlansInformationPertainingToOutstandingAndExercisableOptionsDetail">
        <link:definition>2405405 - Disclosure - SHARE-BASED COMPENSATION PLANS - Information Pertaining to Outstanding and Exercisable Options (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareBasedCompensationPlansSummaryOfOutstandingNonvestedRestrictedSharesDetails" roleURI="http://www.orrstown.com/role/ShareBasedCompensationPlansSummaryOfOutstandingNonvestedRestrictedSharesDetails">
        <link:definition>2405403 - Disclosure - SHARE-BASED COMPENSATION PLANS - Summary of Outstanding Nonvested Restricted Shares (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareBasedCompensationPlansSummaryOfOutstandingStockOptionsDetail" roleURI="http://www.orrstown.com/role/ShareBasedCompensationPlansSummaryOfOutstandingStockOptionsDetail">
        <link:definition>2405404 - Disclosure - SHARE-BASED COMPENSATION PLANS - Summary of Outstanding Stock Options (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareBasedCompensationPlansTables" roleURI="http://www.orrstown.com/role/ShareBasedCompensationPlansTables">
        <link:definition>2305301 - Disclosure - SHARE-BASED COMPENSATION PLANS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareholdersEquityAndRegulatoryCapital" roleURI="http://www.orrstown.com/role/ShareholdersEquityAndRegulatoryCapital">
        <link:definition>2106100 - Disclosure - SHAREHOLDERS&#8217; EQUITY AND REGULATORY CAPITAL</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareholdersEquityAndRegulatoryCapitalAdditionalInformationDetail" roleURI="http://www.orrstown.com/role/ShareholdersEquityAndRegulatoryCapitalAdditionalInformationDetail">
        <link:definition>2406402 - Disclosure - SHAREHOLDERS&#8217; EQUITY AND REGULATORY CAPITAL - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareholdersEquityAndRegulatoryCapitalBanksActualCapitalRatiosDetail" roleURI="http://www.orrstown.com/role/ShareholdersEquityAndRegulatoryCapitalBanksActualCapitalRatiosDetail">
        <link:definition>2406403 - Disclosure - SHAREHOLDERS&#8217; EQUITY AND REGULATORY CAPITAL - Bank's Actual Capital Ratios (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareholdersEquityAndRegulatoryCapitalTables" roleURI="http://www.orrstown.com/role/ShareholdersEquityAndRegulatoryCapitalTables">
        <link:definition>2306301 - Disclosure - SHAREHOLDERS&#8217; EQUITY AND REGULATORY CAPITAL (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareholdersEquityAndRegulatoryCapitalTreasuryStockDetails" roleURI="http://www.orrstown.com/role/ShareholdersEquityAndRegulatoryCapitalTreasuryStockDetails">
        <link:definition>2406404 - Disclosure - SHAREHOLDERS&#8217; EQUITY AND REGULATORY CAPITAL - Treasury Stock (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryOfSignificantAccountingPolicies" roleURI="http://www.orrstown.com/role/SummaryOfSignificantAccountingPolicies">
        <link:definition>2101100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryOfSignificantAccountingPoliciesDetail" roleURI="http://www.orrstown.com/role/SummaryOfSignificantAccountingPoliciesDetail">
        <link:definition>2401402 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryOfSignificantAccountingPoliciesPolicies" roleURI="http://www.orrstown.com/role/SummaryOfSignificantAccountingPoliciesPolicies">
        <link:definition>2201201 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element abstract="true" id="orrf_AccountingPoliciesLineItems" name="AccountingPoliciesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_AccountingPoliciesTable" name="AccountingPoliciesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_AccruingMember" name="AccruingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_AcquisitionAndDevelopmentPortfolioSegmentMember" name="AcquisitionAndDevelopmentPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_AmountOfLoanOnWhichReviewHaveBeenMadeAnnually" name="AmountOfLoanOnWhichReviewHaveBeenMadeAnnually" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="orrf_AppraisalOfCollateralMember" name="AppraisalOfCollateralMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_AuthorizedShareCapital" name="AuthorizedShareCapital" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="orrf_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_AvailableForSaleSecuritiesMortgageBackedSecuritiesAndCollateralizedMortgageObligationsAmortizedCost" name="AvailableForSaleSecuritiesMortgageBackedSecuritiesAndCollateralizedMortgageObligationsAmortizedCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_AvailableForSaleSecuritiesMortgageBackedSecuritiesAndCollateralizedMortgageObligationsFairValue" name="AvailableForSaleSecuritiesMortgageBackedSecuritiesAndCollateralizedMortgageObligationsFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_BalanceOfLoansServicedForOthers" name="BalanceOfLoansServicedForOthers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_CashAndCashEquivalentsIncludingCashBalancesDueFromBanksAndFundsSoldMaturityPeriod" name="CashAndCashEquivalentsIncludingCashBalancesDueFromBanksAndFundsSoldMaturityPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_CashSurrenderValueOfLifeInsurancePolicyTextBlock" name="CashSurrenderValueOfLifeInsurancePolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_CollectionAndProblemLoan" name="CollectionAndProblemLoan" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_CommercialAndIndustrialPortfolioSegmentMember" name="CommercialAndIndustrialPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_CommercialAndLandDevelopmentMember" name="CommercialAndLandDevelopmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_CommercialCollateralizedMortgageObligationsMember" name="CommercialCollateralizedMortgageObligationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_CommercialIndustrialAndOtherLoansMember" name="CommercialIndustrialAndOtherLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_CommercialRealEstateConstructionAndLandDevelopmentLoansMember" name="CommercialRealEstateConstructionAndLandDevelopmentLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_CommonEquityTier1RiskBasedCapital" name="CommonEquityTier1RiskBasedCapital" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="orrf_CommonEquityTier1RiskBasedCapitalRequiredForCapitalAdequacy" name="CommonEquityTier1RiskBasedCapitalRequiredForCapitalAdequacy" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="orrf_CommonEquityTier1RiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" name="CommonEquityTier1RiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="orrf_CommonEquityTier1RiskBasedCapitalRequiredToBeWellCapitalized" name="CommonEquityTier1RiskBasedCapitalRequiredToBeWellCapitalized" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="orrf_CommonEquityTier1RiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" name="CommonEquityTier1RiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="orrf_CommonEquityTier1RiskBasedCapitalToRiskWeightedAssets" name="CommonEquityTier1RiskBasedCapitalToRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="orrf_ConcentrationRiskCreditRiskFinancialInstrumentMaximumExposureChargedToRecoveredFromNoninterestExpense" name="ConcentrationRiskCreditRiskFinancialInstrumentMaximumExposureChargedToRecoveredFromNoninterestExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="orrf_ConcentrationRiskCreditRiskFinancialInstrumentMaximumExposureLiability" name="ConcentrationRiskCreditRiskFinancialInstrumentMaximumExposureLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="orrf_DebtSecuritiesOtherThanTemporarilyImpaired" name="DebtSecuritiesOtherThanTemporarilyImpaired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_DeferredTaxAssetsCharitableContributionCarryforwardsExpirationPeriod" name="DeferredTaxAssetsCharitableContributionCarryforwardsExpirationPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:gYearItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_DeferredTaxAssetsLowIncomeHousingCreditCarryForward" name="DeferredTaxAssetsLowIncomeHousingCreditCarryForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_DeferredTaxAssetsLowIncomeHousingCreditCarryforwardExpirationPeriod" name="DeferredTaxAssetsLowIncomeHousingCreditCarryforwardExpirationPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:gYearItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_DeferredTaxAssetsNonaccrualLoanInterest" name="DeferredTaxAssetsNonaccrualLoanInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_DeferredTaxAssetsOffBalanceSheetReserves" name="DeferredTaxAssetsOffBalanceSheetReserves" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_DeferredTaxAssetsOperatingLossCarryforwardsExpirationPeriod" name="DeferredTaxAssetsOperatingLossCarryforwardsExpirationPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:gYearItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_DeferredTaxAssetsRetirementPlansAndSalaryContinuation" name="DeferredTaxAssetsRetirementPlansAndSalaryContinuation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_DeferredTaxLiabilitiesPurchaseAccountingAdjustments" name="DeferredTaxLiabilitiesPurchaseAccountingAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="orrf_DeferredTaxLiabilitiesUnrealizedGainsOnAvailableForSaleSecuritiesGross" name="DeferredTaxLiabilitiesUnrealizedGainsOnAvailableForSaleSecuritiesGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="orrf_DepositPremiumMember" name="DepositPremiumMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_EmployeeStockPurchasePlanMember" name="EmployeeStockPurchasePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_EvaluationPeriodToReturnPastDueLoansToAccrualStatus" name="EvaluationPeriodToReturnPastDueLoansToAccrualStatus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_FairValueEstimate" name="FairValueEstimate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_FairValueMeasurementsUnobservableInput" name="FairValueMeasurementsUnobservableInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_FinancialServicesMember" name="FinancialServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_FinancingReceivableModifiedBalanceEndOfPeriodNumberOfContract" name="FinancingReceivableModifiedBalanceEndOfPeriodNumberOfContract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="orrf_FirstLienMember" name="FirstLienMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_ForeclosedRealEstateMember" name="ForeclosedRealEstateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_HeldToMaturityOrTradingSecurities" name="HeldToMaturityOrTradingSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="orrf_HomeEquityTermMember" name="HomeEquityTermMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_ImpairedFinancingReceivableAverageRecordedInvestmentAndRecognizedInterestIncomeTableTableTextBlock" name="ImpairedFinancingReceivableAverageRecordedInvestmentAndRecognizedInterestIncomeTableTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_ImpairedFinancingReceivablesAllocatedAllowance" name="ImpairedFinancingReceivablesAllocatedAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="orrf_ImpairedLoansFairValueDisclosure" name="ImpairedLoansFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="orrf_ImpairedLoansNetMember" name="ImpairedLoansNetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_ImpairedSubstandardMember" name="ImpairedSubstandardMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_IncomeLossFromAffordableHousingProjectsProportionalAmortizationMethod" name="IncomeLossFromAffordableHousingProjectsProportionalAmortizationMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="orrf_IncreaseDecreaseInAccruedInterestPayableAndOtherLiabilities" name="IncreaseDecreaseInAccruedInterestPayableAndOtherLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_InstallmentandOtherLoansMember" name="InstallmentandOtherLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_InterestPayableFairValue" name="InterestPayableFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="orrf_InterestReceivableFairValue" name="InterestReceivableFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_InvestmentInRealEstatePartnership" name="InvestmentInRealEstatePartnership" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_InvestmentsInAffordableHousingProjectsProportionalAmortizationMethod" name="InvestmentsInAffordableHousingProjectsProportionalAmortizationMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_InvestmentsInRealEstatePartnershipsPolicyPolicyTextBlock" name="InvestmentsInRealEstatePartnershipsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_LimitedRecourseDebt" name="LimitedRecourseDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="orrf_LoansAndLeasesReceivableLookbackPeriod" name="LoansAndLeasesReceivableLookbackPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_LoansAndLeasesReceivableLookbackPeriodLossHistoryWeightPreviousTwelveMonths" name="LoansAndLeasesReceivableLookbackPeriodLossHistoryWeightPreviousTwelveMonths" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_LoansAndLeasesReceivableLookbackPeriodLossHistoryWeightPreviousYearThree" name="LoansAndLeasesReceivableLookbackPeriodLossHistoryWeightPreviousYearThree" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_LoansAndLeasesReceivableLookbackPeriodLossHistoryWeightPreviousYearTwo" name="LoansAndLeasesReceivableLookbackPeriodLossHistoryWeightPreviousYearTwo" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_LossContingencyClaimsDismissedPeriodToFileAnAmendment" name="LossContingencyClaimsDismissedPeriodToFileAnAmendment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_ManagementAdjustmentsForLiquidationExpensesMember" name="ManagementAdjustmentsForLiquidationExpensesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_ManagementAdjustmentsOnAppraisalsForPropertyTypeAndRecentActivityMember" name="ManagementAdjustmentsOnAppraisalsForPropertyTypeAndRecentActivityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_MaturityOfInterestBearingDeposits" name="MaturityOfInterestBearingDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_MortgageBackedSecuritiesIssuedByUsTreasuryAndUsGovernmentSponsoredEnterprisesMember" name="MortgageBackedSecuritiesIssuedByUsTreasuryAndUsGovernmentSponsoredEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_MortgagePartnershipFinanceProgramMember" name="MortgagePartnershipFinanceProgramMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_MortgageServicingRightsFairValueDisclosure" name="MortgageServicingRightsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="orrf_MunicipalMember" name="MunicipalMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_NatureOfOperationsPolicyPolicyTextBlock" name="NatureOfOperationsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_NonImpairedSubstandardMember" name="NonImpairedSubstandardMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_NonOwnerOccupiedMember" name="NonOwnerOccupiedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_NonOwnerOccupiedResidentialMember" name="NonOwnerOccupiedResidentialMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_NonaccruingMember" name="NonaccruingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_NumberOfComponentsImpairmentOfDebtSecurities" name="NumberOfComponentsImpairmentOfDebtSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_NumberOfDaysOfPastDueAssignedAsSubstandardRating" name="NumberOfDaysOfPastDueAssignedAsSubstandardRating" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_NumberOfLegalProceedingsThatHaveMaterialEffect" name="NumberOfLegalProceedingsThatHaveMaterialEffect" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="orrf_NumberOfNotesSplit" name="NumberOfNotesSplit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_NumberOfOffices" name="NumberOfOffices" nillable="true" substitutionGroup="xbrli:item" type="xbrli:positiveIntegerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_OneToFourFamilyResidentialConstructionLoansMember" name="OneToFourFamilyResidentialConstructionLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_OneToFourFamilyResidentialConstructionMember" name="OneToFourFamilyResidentialConstructionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_OrrstownBankMember" name="OrrstownBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_OrrstownFinancialServicesInc.2011IncentiveStockPlanMember" name="OrrstownFinancialServicesInc.2011IncentiveStockPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_OrrstownFinancialServicesIncMember" name="OrrstownFinancialServicesIncMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_OtherExpensesEstimatingLossesRecovery" name="OtherExpensesEstimatingLossesRecovery" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="orrf_OtherRealEstateForeclosedAssetsValuationAdjustment" name="OtherRealEstateForeclosedAssetsValuationAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_OwnerOccupiedMember" name="OwnerOccupiedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_PercentageOfCreditWorthinessOfBorrower" name="PercentageOfCreditWorthinessOfBorrower" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_PercentageOfLimitedPartnerInterest" name="PercentageOfLimitedPartnerInterest" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_PercentageOfLoanToValueRatioOfValueOfRealEstateTakenAsCollateral" name="PercentageOfLoanToValueRatioOfValueOfRealEstateTakenAsCollateral" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_PercentageOfLoanToValueRatioUponLoanOrigination" name="PercentageOfLoanToValueRatioUponLoanOrigination" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_PercentageOfStrongLoanToValue" name="PercentageOfStrongLoanToValue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_PrivateCollateralizedMortgageObligationsMember" name="PrivateCollateralizedMortgageObligationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_ProvisionForIncomeTaxesRelatedToNetSecurityGains" name="ProvisionForIncomeTaxesRelatedToNetSecurityGains" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_RangeFourMember" name="RangeFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_RangeOneMember" name="RangeOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_RangeThreeMember" name="RangeThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_RangeTwoMember" name="RangeTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_RealEstateOwnedExpenses" name="RealEstateOwnedExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_ResidentialCollateralizedMortgageObligationsMember" name="ResidentialCollateralizedMortgageObligationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_RestructuredLoansTroubledDebtRestructuringsOnFinancingReceivablesTableTableTextBlock" name="RestructuredLoansTroubledDebtRestructuringsOnFinancingReceivablesTableTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_RevolvingOpenEndedHomeEquityLoansMember" name="RevolvingOpenEndedHomeEquityLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_ScheduleOfAllowanceForLoanAndLeaseLossesTableTextBlock" name="ScheduleOfAllowanceForLoanAndLeaseLossesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_ScheduleOfFinancingReceivableModificationsTableTextBlock" name="ScheduleOfFinancingReceivableModificationsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_ShortTermBorrowingMaturityPeriod" name="ShortTermBorrowingMaturityPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_SpecificChargesToValueRealEstateOwned" name="SpecificChargesToValueRealEstateOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_StockRepurchaseProgramAuthorizedPercentageOfOutstandingSharesOfCommonStock" name="StockRepurchaseProgramAuthorizedPercentageOfOutstandingSharesOfCommonStock" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="orrf_SumOfLoansSoldUnderMortgagePartnershipFinanceProgram" name="SumOfLoansSoldUnderMortgagePartnershipFinanceProgram" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="orrf_ThresholdAmountOfLoanReviewedQuarterly" name="ThresholdAmountOfLoanReviewedQuarterly" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="orrf_TreasuryStockPolicyPolicyTextBlock" name="TreasuryStockPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_UnobservableInputAdjustmentAxis" name="UnobservableInputAdjustmentAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="orrf_UnobservableInputAdjustmentDomain" name="UnobservableInputAdjustmentDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_ValuationAllowancesandReservesAssumptionsLossPercentageHistorical" name="ValuationAllowancesandReservesAssumptionsLossPercentageHistorical" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="orrf_WriteDownOfOtherRealEstateOwned" name="WriteDownOfOtherRealEstateOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
</xsd:schema>
