Penns Woods Bancorp, Inc. operates as the holding company for Jersey Shore State Bank that provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations in Pennsylvania. It accepts various time, demand, and savings deposits, including Super NOW accounts, statement savings accounts, money market accounts, fixed rate certificates of deposit, club accounts, checking accounts, and IRAs. The company also offers loan products, such as secured and unsecured business and consumer loans that include financing commercial transactions, as well as construction and residential mortgage loans, and revolving credit loans with overdraft protection. Its loan products comprise agricultural loans; commercial loans; real estate loans, including construction and land development, farmland, one-to-four family residential, multi-family, and commercial or industrial loans; and consumer loan products consisting of second mortgages, automobile financing, small loan requests, overdraft check lines, and PHEAA referral loans. In addition, the company provides insurance, securities brokerage, financial planning, safe deposit, ATM, Internet, and telephone banking services, as well as annuity and mutual fund investment products. It serves individuals, partnerships, non-profit organizations, and corporations through its 13 offices located in Clinton, Lycoming, Centre, and Montour Counties, Pennsylvania. The company was founded in 1934 and is based in Williamsport, Pennsylvania.