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March 10, 2016

Penns Woods Bancorp, Inc. Promotes Michelle Karas to Chief Operating Officer

Williamsport, PA - Richard A. Grafmyre, President and CEO of Penns Woods Bancorp, Inc. recently announced the promotion of Michelle (Shelley) Karas to the position of Senior Vice President/Chief Operating Officer for Penns Woods Bancorp, Inc., which includes Jersey Shore State Bank and Luzerne Bank.  

        A graduate of Bloomsburg University of Pennsylvania, Karas is also a graduate of the School of Bank Marketing and Management, the Central Atlantic Advanced School of Banking and the Central Atlantic Commercial Lending School.  Over her 22+ years in banking, she has published several articles in various financial services magazines, presented at various banking conferences and has taught courses for the American Bankers Association and the American Institute of Banking.  Karas is also a Certified Professional Marketer and a Certified Financial Marketing Professional. 

              Karas currently oversees the Deposit Operations, E-Banking, Information Technology, Imaging, Marketing, Sales and Training functions for the organization. 

           "Shelley’s strong background, experience in strategic initiatives, operations, administration, project management, and product development make her ideally suited for her new position as Chief Operating Officer of the organization," said Richard A. Grafmyre, President and CEO of Penns Woods Bancorp, Inc. “This depth and breadth of knowledge, combined with her no-nonsense direct approach to efficiently getting business done, is a great asset to the Penns Woods Bancorp family.”

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