Danville Office

Pictured left to right: Elizabeth Hittle, Regional Vice President; Marilyn Olin, Branch Manager; Richard Grafmyre, President & CEO; James Hane, Mortgage Consultant; Deborah Monus, Mortgage Consultant; Stephen Lowe, Investment Representative.

Richard Grafmyre, CFP® is the President and CEO of Jersey Shore State Bank and the bank’s holding company Penns Woods Bancorp, Inc.

With more than 36 years of banking experience, Dick was the former President and CEO of FNB Bank NA in Danville, PA. He holds a Certified Financial Planner Certification, a masters degree in Financial Planning and holds his Series 7 license.

Active in the local community, Dick is a member of the boards of Geisinger Health System Foundation, Geisinger Health Plan, Geisinger Health System Advisory Council, Penn College Foundation, and the Lycoming County United Way Finance Committee.

Elizabeth Hittle is a Regional Vice President for Jersey Shore State Bank. She oversees business development activities in the Montour, Columbia and Union County markets.

With over 26 years of banking experience, she was most recently a Retail Lending Administrator, Business Development Officer for First Columbia Bank and Trust Co.

She is a Board Member of the Mortgage Bankers Association of Northeast Pennsylvania and a member of the Board of Governors of the Mortgage Bankers Association of Pennsylvania. She is a member of the Columbia/Montour Chamber of Commerce.

Marilyn Olin is the Branch Manager in the Danville Office of Jersey Shore State Bank. She is responsible for the daily operation of the office as well as business development in Danville and the surrounding areas.

Marilyn has ten years of community lending experience. She currently holds her Pennsylvania Life, Accident and Health Insurance License.

She is an active member of the Rescue Hose and Hummels Wharf Fire Companies.

Jim Hane is a Mortgage Consultants at Jersey Shore State Bank and brings over 15 years of residential mortgage lending experience to the bank. Jim can help customers in Montour, Columbia, Union, Northumberland and Snyder Counties with secondary market loans including government backed loans and custom financing options.

Deb Monus is a Mortgage Consultant at Jersey Shore State Bank.  She has been working in the mortgage industry for over 29 years and has the ability to offer custom financing and government backed loan options. Deb is available to help customers in Montour, Columbia, Union, Northumberland and Snyder Counties.

Stephen Lowe is an Investment Advisor Representative for Jersey Shore State Bank Financial Services. Steve has been a Financial Advisor since 2003. He obtained a Bachelor of Arts degree from Lycoming College with a dual major in Business Administration Finance and Economics in 2002.

He is a member of the Million Dollar Round Table as well as a former member of ING’s Circle of Excellence and ING’s Premier Partners. Steve prides himself on putting his client’s needs first when helping them plan for the future. His goal is to build long term relationships with customers to provide solutions for now and in the years to come.