Penns Woods Bancorp, Inc. Board of Directors

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. It accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and individual retirement account (IRAs) accounts. The company also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as construction and residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection. In addition, it provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Further, the company engages in real estate transactions and investment activities. It operates through a network of offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. Penns Woods Bancorp, Inc. was founded in 1934 and is headquartered in Williamsport, Pennsylvania.

Ms. Christine M. Smith

Ms. Christine M. Smith

Senior VP & Chief Human Resources Officer

Mr. Gerald J. Seman

Mr. Gerald J. Seman

President of Mortgage Services

Mr. Brian L. Knepp CGMA, CPA

Mr. Brian L. Knepp CGMA, CPA

President, CFO & Director

Mr. Aron M. Carter

Mr. Aron M. Carter

Senior VP & Chief Risk Officer

Mr. Mark Beatty

Mr. Mark Beatty

Chief Information Officer & Senior VP

Ms. Michelle M. Karas CFMP, PCm

Ms. Michelle M. Karas CFMP, PCm

Senior VP, Corporate Secretary & Chief Data Officer

Ms. Lori A. Strimple

Ms. Lori A. Strimple

Chief Marketing Officer

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