Penns Woods Bancorp, Inc. serves as the holding company for Jersey Shore State Bank and Luzerne Bank, which together offer a full spectrum of commercial and retail banking solutions. Their services cater to a diverse clientele, including individuals, partnerships, non-profit organizations, and corporations. The institution provides various deposit options, such as checking, savings (including super NOW and money market accounts), certificates of deposit, and individual retirement accounts. On the lending side, they extend a wide array of credit products: residential, commercial, and construction real estate loans; agricultural financing for property acquisition and improvements; and commercial loans designed for real estate development, equipment purchases, and working capital. Consumer loan offerings encompass construction and residential mortgages, home equity loans and lines of credit, vehicle financing, personal loans and lines, and overdraft protection. Beyond traditional banking, the company also delivers securities brokerage and financial planning services, featuring life insurance, annuities, and estate planning. Additional services include property, casualty, and auto insurance, safe deposit boxes, ATM access, and convenient internet and telephone banking. Penns Woods Bancorp further engages in real estate transactions and investment activities. Its operations are conducted through a network of twenty-seven branch offices spread across Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties in Pennsylvania. The company was founded in 1907 and is headquartered in Williamsport, Pennsylvania.