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Penns Woods Bancorp, Inc., is the bank holding company for Jersey Shore State Bank (JSSB) and Luzerne Bank (LUZ). At Penn's Woods Bancorp, Inc they offer: Personal Loan Services, Financial Solutions, Mortgage, Home Equity, Car Loans, Credit Cards, Personal Savings, CD's, Money Market, Personal E-Banking, Mobile Banking Apps, Mortgage Pre-Approval, Business Checking, Business Savings & Money Market, Commercial Loan Services, Business E-Banking, Cash Manangement and Business Credit Cards

In 1989, a small group of entrepreneurs decided to establish a new community bank in Lycoming County.Woodlands Bank is your local community bank that offers all the sophistication and services you would expect from a much bigger bank. They believe that convenience and great service is the cornerstone of community banking and hold banks standards high.