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 Credit and Loan Operations team at Jersey Shore State Bank is responsible for managing and overseeing the process of issuing and servicing loans, including mortgage loans, personal loans, and business loans. This team ensures that proper credit assessments are conducted, loan applications are processed efficiently, and compliance with regulatory standards is maintained. Members also work on developing strategies for risk management, analyzing creditworthiness, and supporting customers throughout their lending journey.

Credit and Loan Operations

Leadership Team

Commercial Lending Team

Credit and Loan Operations

About

Team members

Other teams at Jersey Shore State Bank

Leadership Team

Commercial Lending Team