About Us

Jersey Shore State Bank 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.

Penns Woods Bancorp, Inc., the bank's holding company was incorporated in 1983 and is located at 300 Market Street, Williamsport, PA 17701. Investment and insurance products are offered through the bank's subsidiary, The Comprehensive Financial Group.

The bank has always enjoyed consistent leadership, with only five Presidents. The bank's current President, Richard A. Grafmyre, was named to the position in October 2010. The bank currently employs approximately 200 people throughout the company.

Bank Officers

Hubert Valencik
Chairman of the Board

Richard A. Grafmyre, CFP®
President & CEO

Michelle M. Karas
Senior Vice President / Head of Institutional Advancement 

Brian L. Knepp
Senior Vice President / Chief Financial Officer

Aron M. Carter
Senior Vice President / Enterprise Risk Management