LUZERNE BANK - Key Persons

Angelo C. Terrana

Job Titles:

Principal, Terrana Law, P.C

Aron M. Carter - Chief Risk Officer, SVP

Job Titles:

Chief Risk Officer
Senior Vice President
Senior Vice President and Chief Risk Officer for Penns Woods Bancorp, Inc

Aron Carter is the Senior Vice President and Chief Risk Officer for Penns Woods Bancorp, Inc. Having spent 19 years as a National Bank Examiner for the OCC, Aron has brought the knowledge from the bank examination area to Penns Woods Bancorp, Inc. to oversee the Regulatory Compliance, Risk Management, Security and Credit areas for the past nine plus years. Aron leads the efforts to build and sustain a strong culture in which all employees understand the importance of managing risk, to deliver responsible growth, and serve our customers and communities. Aron graduated from King's College with Bachelor and Master of Science degrees in Finance.

Beth Langston

Job Titles:

Manager

Brenda Gugiotti

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

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.

Christine M. Barto

Job Titles:

President & CEO - UIS
President and Chief Executive Officer for United Insurance Solutions

Christine Barto is President and Chief Executive Officer for United Insurance Solutions (UIS), as well as Senior Vice President and Chief Human Resources Officer for Penns Woods Bancorp, Inc. In her position as Chief Human Resources Officer, and with over 25 years of progressive Human Resources experience and 20 years of Banking experience with demonstrated results in leading change and strategic focus, Christine leads a team professionals who drive the organization's efforts to be a great place to work, creating opportunities for employees to develop and grow, as well as being an inclusive workplace. As President & CEO of UIS, Christine leads a team of agents who provide Home, Auto, Property & Casualty, Commercial, Medicare and Life Insurance needs. Christine is a Certified Human Resources Generalist, a graduate of Central Atlantic Advanced School of Banking, a graduate of the Penn State Executive Program, as well as a Certified Trainer through the American Society for Training & Development.

Danielle McCormick

Job Titles:

Manager

Denise Griffith

Job Titles:

Manager

Gerald J. Seman - President

Job Titles:

President
President of Mortgage Services

Gerald Seman is President of Mortgage Services. With over 35 years of experience in the financial services industry, Jerry is responsible for the direction and oversight of all aspects of mortgage, including mortgage sales and originations, and mortgage fulfillment operations, as well as the strategic growth of the Mortgage division of the organization. Under Jerry's leadership, the Mortgage division continues to thrive and provide customers with superior service, while also being a top lender in Pennsylvania.