Penns Woods Bancorp, Inc. is a bank holding company. The Company operates through its wholly-owned subsidiaries: Jersey Shore State Bank (JSSB) and Luzerne Bank (Luzerne) (collectively known as the Banks); Woods Real Estate Development Company, Inc.; Woods Investment Company, Inc., and The M Group, a subsidiary of JSSB. The Banks are engaged in commercial banking business that offers a range of financial services to individuals, partnerships, non-profit organizations and corporations through a network of around 22 offices located in Clinton, Lycoming, Centre, Montour, and Luzerne Counties, Pennsylvania. The Banks offer insurance, securities brokerage services, annuity and mutual fund investment products, and financial planning through the M Group. Woods Real Estate Development Company, Inc. is engaged in real estate transactions on behalf of the Company and the Banks. Woods Investment Company, Inc. is engaged in investing activities.