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May 27, 2016

JSSB Promotes Five to Regional Manager Positions

Gephart, Landis, McCloskey, Betz, and Sanner get nods.

Regional Managers

Williamsport, PA – Jersey Shore State Bank, a subsidiary of Penns Woods Bancorp, Inc., recently announced five promotions to the position of Regional Manager. These promotions came as a result of the new management structure within the bank and will help to simplify the logistical communication between front-line employees and bank leadership.


 Krista Gephart has been promoted to the position of Vice President/Regional Manager, responsible for the Duboistown, Jersey Shore Bridge Street, and Jersey Shore Main Street offices of Jersey Shore State Bank. Krista is a native of the North Central Pennsylvania area, graduating from Loyalsock Township High School. She would then go on to attend Lycoming College where she attained a Bachelor’s degree in Business Administration with a minor in Mass Communications.

Krista has 16 years of banking experience and over the course of her career has held the positions of Lead Teller at Mellon Bank, Operations Supervisor/Lender at Northwest Savings Bank, AVP Branch Manager II at Sovereign Bank, and AVP Branch Manager II at JSSB. Krista also worked as the Credit and Accounts Receivable Coordinator at Brodart. She is ABA Certified in Lending and Business and Commercial Lending and also holds a Principles of Banking Certificate from the PBA.

Krista stays busy outside of her professional life as the Assistant Treasurer of the Jersey Shore Water Authority Board; Board Member on the Jersey Shore Area Chamber of Commerce; and Volunteer with the American Red Cross. When she isn’t working or volunteering her time, Krista can most often be found spending time with her husband, Michael, and their three children; Ethan, Alexa, and Isaiah.

EMILY LANDIS – West Region

Emily Landis has accepted a promotion to the position of Vice President/Regional Manager, in charge of the Centre Hall, Spring Mills, and State College branches of JSSB. Emily has 8 years of experience in the banking industry, formerly holding a position as a Business Development Professional and Lender for JSSB. Before joining the JSSB team, Emily graduated from Pennsylvania State University with a bachelor’s degree in Agricultural Systems Management, later receiving her master’s in Dairy & Animal Science as well.

Emily is an active member of her community, serving on the Centre County Farmland Trust Board for 9 years including a position as President of the Board; the Pennsylvania Soybean Board and Eastern Region Soybean Board of Directors; as the Chair of the Pennsylvania Beef Quality Assurance Commission; and as a volunteer for the Nittany Christian School.


Carey McCloskey was promoted to the position of Vice President/Regional Manager, overseeing the Lock Haven, Mill Hall, and Zion offices of Jersey Shore State Bank. Carey started with JSSB in 2000 as a co-op teller at the Lock Haven office, making a great impact over the course of a 15 year career. After graduating from Bloomsburg University with a Bachelor’s degree Carey began working in the IT Department as the Help Desk and Call Center Assistant in 2006 and took over Help Desk Management duties in 2008. Carey then went back to her roots in 2012 as a branch lender at Lock Haven before being promoted in 2013 to the Assistant Branch Manager.  After making incredible strides in her new leadership role, Carey was named Assistant Vice President/Branch Manager of Lock Haven in 2014. Carey will continue to excel in her new position from the comfort of her office in the Lock Haven branch.

On top of being a stellar member of the Jersey Shore State Bank family, Carey also volunteers time as Treasurer for the Lock Haven Area AYSO; Manager for the Clinton County Special Olympics; and a member of the Business Advisory Board at Lock Haven University of Pennsylvania. When Carey isn’t doing exceptional work for JSSB or volunteering in her community, she enjoys spending time with her husband, Brad, and their two beautiful children, Alexa and Kaylie.

JOLENE BETZ – East Region

Jolene Betz has accepted the position as Vice President/Regional Manager, overseeing the Danville, Lewisburg, and Montgomery offices of Jersey Shore State Bank. Jolene has accreditations from the PBA School of Banking for Commercial Lending and AIB Banking Courses for Banking and Investments. Jolene has over 30 years in management and leadership experience, 16 of which have been in the banking industry. Jolene is an expert when it comes to building and retaining customers, business and retail lending, and team coaching. Jolene has proven her worth as a leader over the years, holding management positions at Sovereign/Santander Bank and Susquehanna Bank as well as being a Branch Manager II with JSSB.

Jolene is well-connected within her community and the surrounding areas as an active member of the Sunset Rotary Club of Lewisburg; Public Relations Committee and Board for the Central Pennsylvania Chamber of Commerce; Board for the Lewisburg Downtown Partnership; and Alumni of Leadership Susquehanna Valley.

Jolene is married to David Betz and has three children, Ashley, Cassie, and Cody; and two step children, Alicia and Nathan. While Jolene is very dedicated to her career, she still finds time for herself; managing rental properties; keeping up on the latest fashion; drawing and painting; interior decorating; playing with her Bassett Hounds, Valentino and Axle; and spending time with her family.


Garrett Sanner is a new member of Jersey Shore State Bank, but is already making a positive impact as a Vice President/Regional Manager. Garrett is responsible for the Loyalsock, Montoursville, and Williamsport offices of JSSB and brings with him 13 years of experience in the financial industry, 10 of which were with M&T Bank where he served as Assistant Vice President/Branch Manager. Garrett takes pride in being a well-rounded professional as he is Series 6 & 63, Life, Accident, and Health insurance licensed and also has his NMLS Mortgage license.

Garrett’s most obvious asset is his ability to interact and network with people, which he uses well as an Advisory Board Member of the Williamsport Salvation Army Finance Committee; Advisory Board Member of Diakon Family Life Services; Small Business Fundraising Cabinet Head at the Lycoming County United Way; Keystone Society Fundraiser for the Susquehanna Health Foundation; Deacon at the Greenview Alliance Church; and Alumni Member of Leadership Lycoming.

Despite having a full plate, Garrett still finds time to be an avid Maryland Terrapins basketball fan and spend time with his wonderful wife, Lori, and their three kids; Jack, Olivia, and Lainey.

Penns Woods Bancorp, Inc. is the $1.3 billion parent company of Jersey Shore State Bank and Luzerne Bank. Jersey Shore State Bank operates fifteen branch offices providing financial services in Lycoming, Clinton, Centre, Montour and Union Counties. Luzerne Bank operates eight branch offices providing financial services in Luzerne and Lackawanna counties. Investment and insurances products are offered through Jersey Shore State Bank’s subsidiary, The M Group, Inc. D/B/A The Comprehensive Financial Group.