Penns Woods Bancorp, Inc. is a prominent bank holding company operating in Williamsport, Pennsylvania. The company's subsidiary, Jersey Shore State Bank, provides a comprehensive range of commercial and retail banking solutions to individuals, corporations, non-profit organizations, and partnerships. The bank offers a variety of deposit accounts, including time, demand, savings, and super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and IRAs accounts. The bank's loan portfolio offers residential, construction, and commercial real estate loans, agricultural loans for the purchase or improvement of real estate, as well as commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes. In addition, it offers revolving credit loans with overdraft protection, consumer loans such as construction and residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines, and letters of credit. Apart from its core banking business, Penns Woods Bancorp, Inc. also provides financial planning services, including the sale of life insurance products, annuities, and estate planning services, as well as property and casualty, and auto insurance products. It offers safe deposit services, ATM services and internet and telephone banking services. The company also engages in real estate transactions and investment activities. Penns Woods Bancorp, Inc. operates a network of offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. The bank was established in 1934 and has since then provided top-notch banking and financial services to its clients with its unwavering commitment to quality service.