JSSB - Key Persons


Amy Weaver

Job Titles:
  • Manager

Brian L. Knepp - CFO, President

Job Titles:
  • CFO
  • President
  • President and Chief Financial Officer of Penns Woods Bancorp, Inc
  • President of PWB / CFO of JSSB & PWB / Director since 2015
Brian Knepp is the President and Chief Financial Officer of Penns Woods Bancorp, Inc. With over 25 years of experience in financial management and business leadership, Brian is responsible for the overall financial management of the organization, including accounting, balance sheet management, financial planning and analysis, treasury, investment portfolio management, tax, SEC reporting, and investor relations. Brian also oversees the organization's deposit and loan operations and facilities departments. Brian is a graduate of Susquehanna University. He is a Certified Public Accountant and Chartered Global Management Accountant.

Cameron W. Kephart

Job Titles:
  • EVP of Susquehanna Transit Company Director since 2017

Carly Cook

Job Titles:
  • Manager

Charles E. Kranich, II

Job Titles:
  • President of Kranich 's Jewelers / Director since 2019

D. Michael Hawbaker

Job Titles:
  • EVP of Glenn O. Hawbaker, Inc

Daniel K. Brewer

Job Titles:
  • Brewer Consulting, LLC / Director since 2012

Garrett B. Sanner

Job Titles:
  • Regional President
  • Regional President for the Eastern Region
Garrett Sanner is Regional President for the Eastern Region of Jersey Shore State Bank. A 24-year veteran of the financial services industry, Garrett has held various leadership positions within the industry. Garrett has demonstrated a strong track record in initiating and leading change, as well as driving results within the JSSB branch network. Garrett directs the retail and commercial efforts and market outreach within the region, while always looking for possible geographic expansion opportunities for JSSB in Eastern Pennsylvania. Garrett is a graduate of Frostburg State University. He holds his Series 6, 63 and Life & Health Insurance licenses.

Gerald J. Seman - President

Job Titles:
  • President

Heather Garrison

Job Titles:
  • Manager

Heidi Welsh

Job Titles:
  • Manager

Jack W. Jones

Job Titles:
  • Senior Vice President & Chief Banking / Officer
  • Senior Vice President and Chief Banking Officer for Penns Woods Bancorp, Inc
Jack Jones is Senior Vice President and Chief Banking Officer for Penns Woods Bancorp, Inc. A financial and customer service veteran with more than 20 years' experience in leadership roles in banking, Jack is responsible for the growth of the business in the Northeastern and Northcentral Pennsylvania area, using a full range of financial products and services, offered through digital banking channels and a solid retail banking network. Jack has also directed the creation and development of teams in the existing markets within the Luzerne footprint, he now brings this knowledge to the Penns Woods Bancorp, Inc. organization. Jack is a graduate of Kings College, the Pennsylvania Banker's Association School of Banking, the Pennsylvania Banker's Association's School of Commercial Lending and Leadership Wilkes-Barre. He has also completed several Penn State Executive Programs.

Karen S. Young - CEO, President

Job Titles:
  • Chief Executive Officer
  • President
  • President & CEO of JSSB / Director since 2017
Karen Young is President and Chief Executive Officer of Jersey Shore State Bank. A financial and customer service veteran with more than 40 years' experience in leadership roles in banking, she has held a wide range of positions within the industry. Karen has demonstrated a strong track record in initiating and leading change, driving results, strengthening operational risk and compliance, and innovating amid a rapidly evolving digital landscape. Karen directs the creation and development of teams in the existing markets within the JSSB footprint, as well as building teams in prospective new market areas. Karen is a graduate of University of Wisconsin-Madison School.

Karl Conrad

Job Titles:
  • Manager

Krista J. Gephart

Job Titles:
  • Regional President
  • Regional President for the Western Region
Krista Gephart is Regional President for the Western Region of Jersey Shore State Bank. A 25-year veteran of the financial services industry, Krista has held various leadership positions within the industry. Krista has demonstrated a strong track record in initiating and leading change, as well as driving results within the JSSB branch network. Krista directs the retail and commercial efforts and market outreach within the region, while continuing the successful geographic expansion of JSSB into Western Pennsylvania. Krista is a graduate of Lycoming College. She also holds certificates in Business and Commercial Banking from the American Bankers Association.

Leroy H. Keiler III

Job Titles:
  • Director

Linda White

Job Titles:
  • Manager

Maxine Weaver

Job Titles:
  • Manager

Michael J. Casale

Job Titles:
  • Chairman / Principal of Michael J. Casale, Jr. LLC

Michelle M. Karas

Job Titles:
  • Senior Vice President & Chief Data Officer / Shareholder Relations & Board Secretary
  • Senior Vice President, Chief Data Officer and Secretary for Penns Woods Bancorp, Inc
Michelle Karas is Senior Vice President, Chief Data Officer and Secretary for Penns Woods Bancorp, Inc. In Shelley's over 29 years of experience in the financial services industry, she has held various roles within the Marketing, Strategic Planning and Operations areas in organizations. Shelley applies this knowledge to the areas she oversees within the organization, including Data Collection & Mining, Information Technology, E-Banking, Call Center, and Document Management. Shelley also oversees the Shareholder Relations functions.

Natasha Mantle

Job Titles:
  • Manager

R. Edward Nestlerode

Job Titles:
  • President & CEO of Nestlerode Contracting Co. Inc. Director since 1995

Richard A. Grafmyre CFP

Job Titles:
  • Director
  • Chief Executive Officer / Penns Woods Bancorp, Inc

Robert Q. Miller

Job Titles:
  • President of Miller Brothers Auto Sales / President of Mor Car Rentals / Director since 2019

Stephanie Reese

Job Titles:
  • Manager

Susan Harvey

Job Titles:
  • Manager

Tara Weaver

Job Titles:
  • Manager

Timothy K. Kishbach

Job Titles:
  • Senior Vice President / Director of Commercial Lending

Victoria Harrington

Job Titles:
  • Manager

William J. Edwards - President

Job Titles:
  • Owner
  • President
  • Vice Chairman