Penns Woods Bancorp, Inc. is the holding company for Jersey Shore State Bank (JSSB), Luzerne Bank (Luzerne) and United Insurance Solutions (UIS). The Company's business has consisted primarily of managing and supervising JSSB, Luzerne and UIS, and its principal source of income has been dividends paid by JSSB and Luzerne.

Services offered by JSSB and Luzerne include accepting time, demand and savings deposits, including Super NOW accounts, regular savings accounts, money market certificates, investment certificates, fixed-rate certificates of deposit and club accounts. Its services also include making secured and unsecured commercial and consumer loans, financing commercial transactions, as well as making construction and mortgage loans. Additional services include making residential mortgage loans, revolving credit loans with overdraft protection and small business loans. Business loans include seasonal credit collateral loans and term loans, as well as accounts receivable and inventory financing.

UIS provides Home, Auto, Property & Casualty, Commercial, Medicare, and Life Insurance to meet the needs of customers.

Investment products are available from JSSB’s subsidiary The M Group D/B/A The Comprehensive Financial Group.