Alert:  Be on the lookout for bank imposters, JSSB will never ask you to send money to yourself or anyone else via Zelle®.



Penns Woods Bancorp, Inc. (PWB) Executive Team

Dick Grafmyre

Richard Grafmyre CFP®


Education & Accreditations
  • BS, Business Administration, Empire State College
  • Master’s Degree, Financial Planning, College of Financial Planning in Denver, CO
  • Certified Financial Planner
  • Series 7 license

With over 45 years of banking experience, Dick is the former President and CEO of FNB Bank NA in Danville, PA.  He also directed Swineford National Bank and the State College, PA region of Fulton Bank.  

Brian Knepp

Brian Knepp CPA

President & CFO - PWB

Education & Accreditations

  • BS, Accounting, Susquehanna University
  • CPA Certification
  • CGMA Certification

With over 20 years of bank accounting experience Brian is responsible for the company’s financial and accounting functions, SEC filings and tax planning.  He also administers the bank’s asset/liability position and the company’s investment portfolio.  Brian is a member of the Penns Woods Bancorp, Inc. and JSSB Board of Directors and is the CFO of Luzerne Bank and JSSB.  

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Christine M. Barto

President & CEO - UIS

SVP/Chief Human Resources Officer - PWB  and JSSB

Aron Carter

Aron Carter

Senior Vice President

Chief Risk Officer - PWB and JSSB

Education & Accreditations
  • BS, Finance, King’s College
  • MS, Finance, King’s College
  •  Commissioned National Bank Examiner, Office of the Comptroller of the Currency

Aron joined the PWB family in 2013 and is involved in the company’s Regulatory Compliance, Risk Management, Credit, IT and Balance Sheet Management.  Prior to joining PWB and JSSB, he was a National Bank Examiner and Assistant Deputy Comptroller Analyst, for the Office of the Comptroller of the Currency for 19 years.

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Jack W. Jones

Luzerne Bank

SVP/Chief Banking Officer - PWB and JSSB

MLO NMLS #801017

Education & Accreditations
  • Bachelor Degree, Kings College
  • Pennsylvania Bankers Association - School of Banking
  • Pennsylvania Bankers Association - School of Commercial Lending
  • Leadership Wilkes-Barre

With over 20 years of experience, Jack has extensive experience in retail and commercial lending, as well as other related consumer and business services.

Michelle Karas

Michelle M. Karas, CFMP

SVP/Chief Data Officer - PWB and JSSB

Shareholder Relations & Board Secretary - PWB

Education & Accreditations
  • Bachelor Science – Education, Bloomsburg University of PA
  • ABA – School of Bank Marketing & Management
  • Central Atlantic Advanced School of Banking
  • Central Atlantic Commercial Lending School
  • Professional Certified Marketer® - American Marketing Association
  • Certified Financial Marketing Professional – Institute of Certified Bankers

Shelley has over 27 years of experience in bank marketing, strategic planning and operations.  She currently oversees the Data Collection & Mining, Information Technology, E-Banking, Call Center, Document Management, Marketing and Shareholder Relations functions for the organization.