CONSOLIDATED BALANCE SHEET - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
ASSETS:
Noninterest-bearing balances	$ 25,692	$ 26,766
Interest-bearing deposits in other financial institutions	1,551	16,905
Total cash and cash equivalents	27,243	43,671
Investment securities available for sale, at fair value	124,475	133,492
Investment securities, trading	190	58
Loans held for sale	1,196	1,953
Loans	1,246,614	1,093,681
Allowance for loan losses	(12,858)	(12,896)
Loans, net	1,233,756	1,080,785
Premises and equipment, net	27,386	24,275
Accrued interest receivable	4,321	3,672
Bank-owned life insurance	27,982	27,332
Goodwill	17,104	17,104
Intangibles	1,462	1,799
Deferred tax asset	4,388	8,397
Other assets	4,989	6,052
TOTAL ASSETS	1,474,492	1,348,590
LIABILITIES:
Interest-bearing deposits	843,004	791,937
Noninterest-bearing deposits	303,316	303,277
Total deposits	1,146,320	1,095,214
Short-term borrowings	100,748	13,241
Long-term borrowings	70,970	85,998
Accrued interest payable	502	455
Other liabilities	17,758	15,433
TOTAL LIABILITIES	1,336,298	1,210,341
SHAREHOLDERS’ EQUITY:
Preferred stock, no par value, 3,000,000 shares authorized; no shares issued	0	0
Common stock, par value $8.33, 15,000,000 shares authorized; 5,009,339 and 5,007,109 shares issued; 4,689,189 and 4,734,657 shares outstanding	41,744	41,726
Additional paid-in capital	50,173	50,075
Retained earnings	63,364	61,610
Accumulated other comprehensive loss:
Net unrealized loss on available for sale securities	(54)	(639)
Defined benefit plan	(4,920)	(4,289)
Treasury stock at cost, 320,150 and 272,452 shares	(12,115)	(10,234)
TOTAL PENNS WOODS BANCORP, INC. SHAREHOLDERS’ EQUITY	138,192	138,249
Non controlling interest	2	0
TOTAL SHAREHOLDERS' EQUITY	138,194	138,249
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,474,492	$ 1,348,590