Penns Woods Bancorp, Inc. (PWB) Executive Team

Dick Grafmyre

Richard Grafmyre CFP®

President & CEO 

PWB and JSSB

Education & Accreditations
  • BS, Business Administration, Empire State College
  • Master’s Degree, Financial Planning, College of Financial Planning in Denver, CO
  • Certified Financial Planner
  • Series 7 license
Experience

With over 42 years of banking experience, Dick is the former President and CEO of FNB Bank NA in Danville, PA.  He also directed Swineford National Bank and the State College, PA region of Fulton Bank.  

Community & Professional Service

Active in the local community, Dick is a member of the boards of Geisinger Health System Foundation, and the Geisinger Health System Advisory Council.

Brian Knepp

Brian Knepp CPA

Senior Vice President

CFO - PWB, CEO - M-Group

Education & Accreditations
  • BS, Accounting, Susquehanna University
  • CPA certification
Experience

With over 17 years of bank accounting experience Brian is responsible for the company’s financial and accounting functions, SEC filings and tax planning.  He also administers the bank’s asset/liability position and the company’s investment portfolio.  Brian is a member of the Penns Woods Bancorp, Inc. and JSSB Board of Directors and is the CFO of Luzerne Bank and JSSB.  He is also the CEO of the JSSB subsidiary, M-Group, D/B/A The Comprehensive Financial Group (CFG).  CFG offers a full range of investment and insurance products in the JSSB offices as well as the CFG office at 705 Washington Boulevard.

Community & Professional Service

Dedicated to accounting education, he is a member of the Pennsylvania Institute of Certified Public Accountants, the American Institute of Certified Public Accountants, and the Financial Manager’s Society. 

Brian also serves on the Fiscal management Committee of the Susquehanna Council Boy Scouts of America

Aron Carter

Aron Carter

Senior Vice President

Enterprise Risk Management

PWB and JSSB

Education & Accreditations
  • BS, Finance, King’s College
  • MS, Finance, King’s College
  •  Commissioned National Bank Examiner, Office of the Comptroller of the Currency
Experience

Aron joined the PWB family in 2013 and is involved in the company’s Regulatory Compliance, Risk Management, Credit, IT and Balance Sheet Management.  Prior to joining PWB and JSSB, he was a National Bank Examiner and Assistant Deputy Comptroller Analyst, for the Office of the Comptroller of the Currency for 19 years.

Community & Professional Service

Active in the local community, Aron is a Board Member of STEP, Inc. and a Tax Preparer for the Central Susquehanna Opportunities, Inc.  

Michelle Karas

Michelle M. Karas

Senior Vice President

Chief Operating Officer

PWB and JSSB

Education & Accreditations
  • Bachelor Science – Education.  Bloomsburg University of PA
  • ABA – School of Bank Marketing & Management
  • Professional Certified Marketer® - American Marketing Association
  • Certified Financial Marketing Professional – Institute of Certified Banker
Experience

Shelley has over 20 years of experience in bank marketing, strategic planning and operations.  Prior to joining the organization in 2012, Shelley was the Vice President/Marketing Director for First Columbia Bank & Trust Co.  She currently oversees the Deposit Operations, E- Banking, Information Technology, Imaging, Call Center and Facilities functions for the organization. 

Community & Professional Service

Active in her community, Shelley volunteers her time for various non-profit organizations within the Columbia County area.  She has also held board and committee positions within various state and national banking organizations. 

Kimberly R. Yale

Kimberly R. Yale

PWB
Executive Assistant to the President & Shareholder Relations

Education & Accreditations
  • Graduate, Williamsport Area High School
  • Graduate, US Chamber Institutes for Organization Management 
Experience

Kim joined the company in 1994 and plays a pivotal role in the company’s shareholder relations program.  As the company’s Executive Assistant to the President and Shareholder Relations, Kim works closely with the company’s shareholders.  She provides answers to shareholder questions regarding stock price history, registration and transfer questions, as well as address changes.  She is also the liaison with the company’s transfer agent.  Shareholder questions should be directed to Kim at 570.320.2021.

Prior to joining the company Kim worked for the Williamsport/Lycoming Chamber of Commerce and Little League International.

Community & Professional Service

Kim is a volunteer with the annual Little League Golf Classic Baseball golf tournament.  She previously served on the Vestry and various committees with her church.