<SEC-DOCUMENT>0001104659-25-098651.txt : 20251010
<SEC-HEADER>0001104659-25-098651.hdr.sgml : 20251010
<ACCEPTANCE-DATETIME>20251010131754
ACCESSION NUMBER:		0001104659-25-098651
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250930
FILED AS OF DATE:		20251010
DATE AS OF CHANGE:		20251010
EFFECTIVENESS DATE:		20251010

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ORRSTOWN FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000826154
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				232530374
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-13107
		FILM NUMBER:		251387212

	BUSINESS ADDRESS:	
		STREET 1:		4750 LINDLE RD
		CITY:			HARRISBURG
		STATE:			PA
		ZIP:			17111
		BUSINESS PHONE:		7175326114

	MAIL ADDRESS:	
		STREET 1:		4750 LINDLE RD
		CITY:			HARRISBURG
		STATE:			PA
		ZIP:			17111
</SEC-HEADER>
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      <periodOfReport>09-30-2025</periodOfReport>
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          <ns1:city>HARRISBURG</ns1:city>
          <ns1:stateOrCountry>PA</ns1:stateOrCountry>
          <ns1:zipCode>17111</ns1:zipCode>
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    <signatureBlock>
      <name>Monica Balafoutas</name>
      <title>SVP Wealth &amp; Trust Investment Manager</title>
      <phone>717-530-2288</phone>
      <signature>/s/ Monica Balafoutas</signature>
      <city>Harrisburg</city>
      <stateOrCountry>PA</stateOrCountry>
      <signatureDate>10-10-2025</signatureDate>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3578</Sole>
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      <None>0</None>
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    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>25434V401</cusip>
    <value>426020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5881</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5881</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>25434V708</cusip>
    <value>203958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5288</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5288</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Eaton Corp. PLC</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>G29183103</cusip>
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      <sshPrnamt>3785</sshPrnamt>
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    <votingAuthority>
      <Sole>3785</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Eli Lilly and Co</nameOfIssuer>
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    <cusip>532457108</cusip>
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      <sshPrnamt>1408</sshPrnamt>
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    <votingAuthority>
      <Sole>1408</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Energy Select Sector SPDR Fund</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>396491</value>
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      <sshPrnamt>4438</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4438</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>30231G102</cusip>
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      <sshPrnamt>12454</sshPrnamt>
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    <votingAuthority>
      <Sole>12454</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Fidelity Enhanced International</nameOfIssuer>
    <titleOfClass>International Equity ETF</titleOfClass>
    <cusip>31609A404</cusip>
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      <sshPrnamt>1405026</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1404486</Sole>
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      <None>181</None>
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    <nameOfIssuer>Fidelity Enhanced International</nameOfIssuer>
    <titleOfClass>International Equity ETF</titleOfClass>
    <cusip>31609A404</cusip>
    <value>11184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>317</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>317</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
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      <sshPrnamt>13214</sshPrnamt>
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    <votingAuthority>
      <Sole>13214</Sole>
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      <None>0</None>
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    <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>36828A101</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3032</Sole>
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      <None>0</None>
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    <nameOfIssuer>Goldman Sachs Group Inc</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>38141G104</cusip>
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      <sshPrnamt>918</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>918</Sole>
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      <None>0</None>
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    <nameOfIssuer>Goldman Sachs Small Cap Equity ETF</nameOfIssuer>
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    <cusip>38149W614</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>433896</Sole>
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    <nameOfIssuer>Goldman Sachs Small Cap Equity ETF</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>38149W614</cusip>
    <value>4796</value>
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      <sshPrnamt>90</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>90</Sole>
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      <None>0</None>
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    <nameOfIssuer>Hershey Co</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>427866108</cusip>
    <value>404963</value>
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    <votingAuthority>
      <Sole>2165</Sole>
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      <None>0</None>
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    <nameOfIssuer>Home Depot</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
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    <votingAuthority>
      <Sole>4724</Sole>
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    <nameOfIssuer>Honeywell International Inc</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
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    <value>841158</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3996</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
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    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
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    <nameOfIssuer>Invesco Russell 1000 Dynamic Multifactor</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>Invesco Russell 1000 Dynamic Multifactor</nameOfIssuer>
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    <cusip>46138J619</cusip>
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    <nameOfIssuer>Invesco Russell 2000 Dynamic Multifactor</nameOfIssuer>
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    <cusip>46138J593</cusip>
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    <nameOfIssuer>iShares Core Dividend Growth ETF</nameOfIssuer>
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    <cusip>46434V621</cusip>
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      <None>0</None>
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    <nameOfIssuer>iShares Core MSCI EAFE ETF</nameOfIssuer>
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    <cusip>46432F842</cusip>
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    <nameOfIssuer>iShares Core MSCI Emerging Markets ETF</nameOfIssuer>
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    <cusip>46434G103</cusip>
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    <votingAuthority>
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    <nameOfIssuer>iShares Core S&amp;P 500 Index Fund</nameOfIssuer>
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    <nameOfIssuer>iShares Core S&amp;P 500 Index Fund</nameOfIssuer>
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    <nameOfIssuer>iShares Core S&amp;P Mid-Cap Index Fund</nameOfIssuer>
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    <cusip>464287507</cusip>
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    <nameOfIssuer>iShares Core S&amp;P Small-Cap ETF</nameOfIssuer>
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    <cusip>464287804</cusip>
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    <nameOfIssuer>iShares Core US Aggregate Bond</nameOfIssuer>
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    <cusip>464287226</cusip>
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    <nameOfIssuer>iShares MSCI ACWI ex US ETF</nameOfIssuer>
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    <cusip>464287234</cusip>
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    <nameOfIssuer>iShares National Muni Bond</nameOfIssuer>
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    <cusip>464288414</cusip>
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    <nameOfIssuer>iShares Russell 1000 Growth ETF</nameOfIssuer>
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    <cusip>464287614</cusip>
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      <sshPrnamt>2219</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>iShares Russell 1000 Index Fund</nameOfIssuer>
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    <cusip>464287622</cusip>
    <value>2506827</value>
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    <nameOfIssuer>iShares Russell 1000 Value ETF</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>464287598</cusip>
    <value>435886</value>
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  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>478160104</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>7634</Sole>
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    <nameOfIssuer>JPMorgan Active Growth</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>46654Q609</cusip>
    <value>19315875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206036</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>205865</Sole>
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    <nameOfIssuer>JPMorgan Active Value</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>46641Q167</cusip>
    <value>53785628</value>
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