Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank that provides commercial and retail banking services in Pennsylvania. The bank offers time, demand, and savings deposits, as well as super NOW accounts, regular savings accounts, money market accounts, investment certificates, fixed rate certificates of deposit, and club accounts. It also provides secured and unsecured commercial and consumer loans, commercial transactions, construction and mortgage loans, residential mortgage loans, revolving credit loans with overdraft protection, and small business loans. In addition, the bank offers safe deposit facilities, insurance and securities brokerage services, investment and cash management services, and real estate related services. It invests in the U.S. treasury and government agency securities, state and political securities, other debt and equity securities. As of December 31, 2004, the bank operated 11 branch offices and a mortgage/loan center in northcentral Pennsylvania. The company was incorporated in 1934 and is based in Williamsport, Pennsylvania.
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