Penns Woods Bancorp, Inc., is the bank holding company for Jersey Shore State Bank (JSSB) and Luzerne Bank (LUZ). It was incorporated in Pennsylvania on January 7, 1983, with JSSB as a wholly owned subsidiary and later acquired Luzerne Bank on June 1, 2013. In October 2000, JSSB acquired the M Group, Inc. D/B/A The Comprehensive Financial Group. The M. Group operates as a subsidiary of JSSB, offering insurance and securities brokerage services.

At Penn's Woods Bancorp, Inc., we value leadership, the kind of insightful, strategic leadership necessary to ensure the ongoing success and integrity of the regional financial institutions we oversee. We take pride in the expertise, dedication to excellence, and commitment to community of our leadership team as well as the leadership serving at each of our member banks. 

As the bank holding company for Jersey Shore State Bank (JSSB) and Luzerne Bank (LUZ), Penns Woods Bancorp, Inc., manages and supervises these regional banking institutions that serve customers throughout north-central and northeastern Pennsylvania. Our principal source of income results from dividends paid by JSSB and LUZ through their account services as well as through the insurance and investment products available from JSSB’s subsidiary, M-Group D/B/A The Comprehensive Financial Group.

Banking

Jersey Shore State Bank

Dick Grafmyre

Kevin Rimmey

Cynthia Flanagan

Krista Gephart

Garrett Sanner

David R Palski

Craig Russell

Dawn Hall

David Gundy

Roxnna Chapman

Tracy Wilkinson

Brian Knepp

D. Michael Hawbaker

The Branch Management Team at Jersey Shore State Bank (JSSB) oversees the daily operations of individual bank branches, ensuring optimal service delivery, customer satisfaction, and community engagement. This team, consisting of branch managers and vice presidents, is responsible for staff management, financial performance, compliance with banking regulations, and the implementation of strategic initiatives to drive the bank's growth and profitability in their respective locations.

Branch Management Team

Leadership Team

Commercial Lending Team

Credit and Loan Operations

Branch Management Team

About

Team members

Other teams at Jersey Shore State Bank

Leadership Team

Commercial Lending Team

Credit and Loan Operations