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.

Banking

Luzerne Bank

Robert G. Edgerton

Peggy Walsh

Melissa Youngblood

Brian L. Knepp

Rob Neher

Jack W. Jones

Robert O. Neher

Gary F. Lamont

Leadership Team

Banking Operations

��

Teams at Luzerne Bank

Leadership Team

Banking Operations

��������

Teams at Luzerne Bank

Leadership Team

Banking Operations

��