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. Bank offers: Personal Checking, Personal Savings, CD's, Money Market, E-Banking, Mortgage, Mortgage Pre-Approval, Home Equity, Car Loans, Credit Cards, Business Checking, Business Savings & Money Market, Commercial Loans and Cash Manangement.