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Jersey Shore State Bank Honored By Pennsylvania Housing Finance Agency

WILLIAMSPORT, Pa., April 14, 2014 (GLOBE NEWSWIRE) -- Jersey Shore State Bank, subsidiary of Penns Woods Bancorp, Inc. (Nasdaq:PWOD)  was recently recognized by the Pennsylvania Housing Finance Agency (PHFA) for its 2013 performance. The bank's Mortgage Services Division received a high producer ranking of PHFA loans in Pennsylvania, top lender in PHFA HOMEstead Loans and the top producer of new PHFA Construction Loans.

The Pennsylvania Housing Finance Agency works to provide affordable homeownership and rental housing options for older adults, low and moderate-income families, and people with special housing needs.

Additional honors went to Brenda Bryerton, Kimberly Walker, Gina Wright, and Elizabeth Gretzler for being named as PHFA's top Loan Originators in 2013. Gretzler and Bryerton are Mortgage Consultants in the JSSB Centre County market area while Walker and Wright serve the Lycoming County market.

Jersey Shore State Bank has been involved in the PHFA loan program since the PHFA's Homeownership Programs Division started in 1982. According to Jerry Seman, President - Mortgage Services Division, "Our success with the PHFA programs is because of our years of experience. I can honestly say we have some of the most experienced PHFA lenders in the state." The mortgage services department of Jersey Shore State Bank has Mortgage Consultants located in Lycoming, Clinton, Montour and Centre County bank branches.

About Penns Woods Bancorp, Inc.

Penns Woods Bancorp, Inc. (Nasdaq:PWOD) is the $1.2 billion parent company of Luzerne Bank and Jersey Shore State Bank. Luzerne Bank operates eight branch offices providing financial services in Luzerne County. Jersey Shore State Bank operates thirteen branch offices providing financial services in Lycoming, Clinton, Centre, and Montour Counties. Investment and insurance products are offered through Jersey Shore State Bank's subsidiary, The M Group, Inc. D/B/A The Comprehensive Financial Group.

CONTACT: Lori Strimple
         (570) 320-2056
         lori.strimple@jssb.com

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