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  <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 id="orrf_MaturityOfInterestBearingDeposits" name="MaturityOfInterestBearingDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="orrf_MinimumAmountOnWhichAnnualUpdatedAppraisalsForCriticizedLoansIsRequired" name="MinimumAmountOnWhichAnnualUpdatedAppraisalsForCriticizedLoansIsRequired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <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="instant" />
  <xsd:element id="orrf_TreasuryStockPolicyPolicyTextBlock" name="TreasuryStockPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" 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>
