Richard Grafmyre CFP®
Richard A. Grafmyre CFP®
Chief Executive Officer
Penns Woods Bancorp, Inc.
Karen Young

Karen S. Young
President
Chief Executive Officer

MLO NMLS #1478156

Gerald J. Seman
Gerald J. Seman
President
Mortgage Service
MLO NMLS #493614
Krista J. Gephart
Regional President 
MLO NMLS #705879
Garrett Sanner

Garrett B. Sanner
Regional President
MLO NMLS #522797

Meet Garrett

Tim Kishbach
Timothy K. Kishbach   
Senior Vice President
Director of Commercial Lending
MLO NMLS #1534548






































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