PWOD Penns Woods Bancorp Inc

Penns Woods Bancorp, Inc. (NASDAQ:PWOD) the bank holding company for Jersey Shore State Bank was recognized in Michael D. White's report, Bank Holding Company Insurance & Investment Fee Income Report for Year End 2004. The report ranked Pennsylvania bank holding companies based on insurance brokerage fee income. Penns Woods Bancorp, Inc. ranked #2 among bank holding companies with less than $1 billion in assets. The report appeared in the July/August 2005 issue of PA Banker Magazine. Insurance and investments are offered through the bank's subsidiary The Comprehensive Financial Group and Jersey Shore State Bank Financial Services. Offering insurance products at Jersey Shore State Bank began with the purchase of the The Comprehensive Financial Group in October 2000. Asked why Jersey Shore State Bank entered the insurance business, President Ronald A. Walko stated, "Our customers need insurance; it was just a natural step to expand our services to offer insurance products. By making banking, insurance and investment products available in one location simplifies things for our customers. Based on the success of the program people appreciate the convenience of one stop financial services." Jersey Shore State Bank is a wholly owned subsidiary of Penns Woods Bancorp, Inc., a bank holding company with $575,739 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.