PWOD Penns Woods Bancorp Inc

In a report ranking the top performing Independent Community Bankers of America (ICBA) members, Jersey Shore State Bank ranked 12th in the top Return on Assets (ROA) for Subchapter C banks with more than $500 million in assets. Jersey Shore State Bank had a ROA of 1.88 in 2004 Independent Banker Magazine annually ranks the top 20 performing ICBA members. The members are grouped by Subchapter S and Subchapter C filing status and further separated according to asset-size. The ranking published in the June 2005 Independent Banker Magazine uses year end call report data from the FDIC to compile the rankings. The ICBA is an advocate for 5,000 community banks, representing the industry before Congress, regulators and the media. Jersey Shore State Bank is a wholly owned subsidiary of Penns Woods Bancorp, Inc., (Nasdaq:PWOD) a bank holding company with $543,993 million in assets, with 12 offices in Centre, Lycoming and Clinton Counties. Investment and insurance products are also offered through the bank's subsidiary, The Comprehensive Financial Group. Penns Woods Bancorp, Inc. stock trades on the NASDAQ National Market under the symbol PWOD.