Customer & Employee FAQ:
On behalf of Penns Woods Bancorp, Inc., we would like to take this opportunity to thank you for your support for the acquisition of Luzerne Bank, as well as to thank you for your business. We value our customers, and our goal is to provide you with quality service.
We assure you that every effort will be made to make this transition as smooth as possible. The following information is designed to answer some of the questions you may have at this time. Should you require further assistance, feel free to call Luzerne Bank at-1-800-447-9464 or Penns Woods Bancorp, Inc. (JSSB) at
We are dedicated to continuing a lasting relationship with customers that is based on trust, respect and the promise to provide the highest level of customer service.
Q: Who is Penns Woods Bancorp (PWOD)?
A: Penns Woods Bancorp, Inc. (PWOD) is a bank holding company that operates through its wholly owned subsidiary, Jersey Shore State Bank (JSSB). JSSB is engaged in commercial and retail banking through its 13 offices located in Lycoming, Clinton, Centre and Montour counties.
Q: Who is Jersey Shore State Bank (JSSB)?
A: JSSB is a locally owned independent bank located in North Central Pennsylvania. Since its beginning on
May 15, 1934 in Jersey Shore, Pennsylvania, the bank has enjoyed huge community support. The bank currently has branches in the Pennsylvania counties of Lycoming, Clinton, Centre and Montour.
The bank offers a wide range of financial services including, but not limited to, installment loans, mortgage and home equity loans, lines of credit, construction financing, farm loans, community development loans, loans to non-profit entities and local governments. The bank also offers various types of time and demand deposit accounts including, but not limited to, checking accounts, savings accounts, clubs, money market deposit accounts, certificates of deposit and IRAs.
Web - http://www.jssb.com
Q: Who is Luzerne Bank?
A: Luzerne Bank is a community-oriented commercial bank engaged in attracting retail deposits from the general public and investing these deposits, together with funds generated from operations and borrowings, primarily in commercial business loans, commercial and residential real estate loans, consumer loans and various mortgage-backed, debt and equity securities.
The primary market area of Luzerne Bank, with eight full service offices, consists primarily of Luzerne County and portions of Lackawanna County. Luzerne Bank also operates a loan production office located in Scranton.
Web - http://www.luzernebank.com
Q: Will Luzerne Bank's name change following the acquisition?
A: No. It will remain Luzerne Bank.
Q: When will the acquisition take effect?
A: June 1, 2013
Q: Is there anything I need to do right now?
A: No. Just keep banking as usual. We are working to make the transition as easy as possible.
Q: Is there anything I need to start planning for?
A: Again, please continue to work with Luzerne Bank for all your banking needs. All Luzerne Bank systems will be converting to new systems in April 2014. You will receive prior notification before any changes are required.
Q: Who can I contact for additional information or customer service assistance?
A: Feel free to call Luzerne Bank at-1-800-447-9464 or Penns Wood Bancorp, Inc. (JSSB) at 1-888-412-5772.
Q: Will Luzerne customers be able to utilize any of the JSSB Branch offices to access account(s) and vice versa?
A: Not at this time. Until the Luzerne Bank systems are converted to the new operating system in April 2014, please continue to only use your current Bank to conduct your business.
Q: Where are the JSSB locations?
115 South Main Street, Jersey Shore PA - Tammy Gunsallus, Manager
112 Bridge Street, Jersey Shore PA - Tammy Gunsallus, Manager
2842 Earlystown Road, Centre Hall PA - Bonnie Ripka, Manager
606 Continental Blvd., Danville PA - Marilyn Olin, Manager
2675 Euclid Avenue, Williamsport PA - Rebecca Frank, Manager
4 West Main Street, Lock Haven PA - Craig Russell, Manager
173 Hogan Blvd, Mill Hall PA - Craig Russell, Manager
9094 Route 405 Highway, Montgomery PA - Beverly Rupert, Manager
820 Broad Street, Montoursville PA - Michelle Lawson, Manager
3635 Penns Valley Road, Spring Mills PA - Bonnie Ripka, Manager
2050 North Atherton Street, State College PA - Patricia Stauffer, Manager
300 Market Street, Williamsport PA - David Palski, Manager
100 Cobblestone Road, Zion PA - Patricia Stauffer, Manager
Q: Where are the Luzerne Bank locations?
118 Main Street, Luzerne PA - Jack Jones, Manager
509 Main Road, Dallas PA - Pamela Bonomo, Manager
Routes 118 & 415, Dallas PA - Lorraine Nash, Manager
10 Dessen Drive, Hazle Township, PA - Helms Buchman, Manager
801 Main Street, Swoyersville, PA - Maureen Sambo, Manager
67-69 Public Square, Wilkes-Barre, PA - Susan McHugh, Manager
1077 Highway 315, Wilkes-Barre, PA - Kenneth Osiecki, Manager
324 Wyoming Avenue, Wyoming, PA - Margaret Walsh, Manager
Loan Business Center - 345 Wyoming Avenue, Suite 220, Scranton
Q: Will Luzerne customers be able to utilize any of the JSSB ATMs to access account(s) and vice versa? Will a fee be charged?
A: All JSSB and Luzerne Bank ATM/Debit Card customers are now able to utilize each of the Bank's ATMs with no fees.
Q: Where are the JSSB ATMs?
A: 115 South Main Street, Jersey Shore PA
112 Bridge Street, Jersey Shore PA
2842 Earlystown Road, Centre Hall PA
606 Continental Blvd., Danville PA
2675 Euclid Avenue, Williamsport PA
4 West Main Street, Lock Haven PA
173 Hogan Blvd, Mill Hall PA
9094 Route 405 Highway, Montgomery PA
820 Broad Street, Montoursville PA
3635 Penns Valley Road, Spring Mills PA
2050 North Atherton Street, State College PA
300 Market Street, Williamsport PA
100 Cobblestone Road, Zion PA
Wolfe's General Store, Slate Run PA
Weis Market, Jersey Shore PA
Oval Country Store, Oval PA
Speedy's, Jersey Shore PA
The Scoop, Lock Haven PA
Q: Where are the Luzerne Bank ATMs?
A: 118 Main Street, Luzerne PA
509 Main Road, Dallas PA
Routes 118 & 415, Dallas PA
10 Dessen Drive, Hazle Township, PA
801 Main Street, Swoyersville, PA
67-69 Public Square, Wilkes-Barre, PA
1077 Highway 315, Wilkes-Barre, PA
324 Wyoming Avenue, Wyoming, PA
Q: Will branch office or drive-thru hours change?
A: There is no plan at the present time to change Luzerne Bank hours.
Q: Will my account(s) function differently?
A: Not at this time. Just keep banking as usual.
Q: Will my account number(s) change?
A: At this time, your Luzerne Bank account numbers will remain the same.
Q: Will I still use my current account checks and deposit slips?
A: Yes, for the time being. Your will receive information specific to your account(s) at least 30 days prior to any changes required due to the consolidation of systems.
Q: Will my Routing Number change?
A: No. Luzerne Bank will remain autonomous.
Q: Will this acquisition affect the FDIC insurance on my deposit account(s)?
A: There will be no effect with the FDIC insurance on your account(s). Luzerne Bank will remain autonomous.