Penns Woods Bancorp is a bank holding company that operates through its wholly owned subsidiary, the Jersey Shore State Bank. The bank is engaged in commercial and retail banking activities, which include accepting time and regular savings and demand deposits, making commercial and consumer loans and mortgage loans and safe deposit services. The bank also provides auxiliary services, such as cash management, to commercial customers. Jersey Shore State Bank operates more than 10 offices located in the Clinton, Lycoming and Centre counties, Pa., and a financial center located in State College, Pa. The bank owns The M Group, which does business as The Comprehensive Financial Group. The M Group offers insurance and securities brokerage services. The M Group through ING Financial Partners, a broker-dealer, also offers securities. Jersey Shore State Bank maintains a location in Williamsport, Pa.