CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS:
Noninterest-bearing balances	$ 25,990	$ 24,325
Interest-bearing balances in other financial institutions	31,351	42,417
Total cash and cash equivalents	57,341	66,742
Investment debt securities, available for sale, at fair value	149,075	134,285
Investment equity securities, at fair value	1,820	1,776
Investment securities, trading	47	36
Restricted investment in bank stock, at fair value	13,502	18,862
Loans held for sale	1,868	2,929
Loans	1,364,984	1,384,757
Allowance for loan losses	(14,249)	(13,837)
Loans, net	1,350,735	1,370,920
Premises and equipment, net	33,366	27,580
Accrued interest receivable	5,267	5,334
Bank-owned life insurance	29,107	28,627
Goodwill	17,104	17,104
Intangibles	960	1,162
Operating lease right-of-use asset	4,217	0
Deferred tax asset	3,744	5,154
Other assets	4,942	4,260
TOTAL ASSETS	1,673,095	1,684,771
LIABILITIES:
Interest-bearing deposits	1,005,078	899,089
Noninterest-bearing deposits	327,329	320,814
Total deposits	1,332,407	1,219,903
Short-term borrowings	5,987	167,865
Long-term borrowings	162,290	138,942
Accrued interest payable	1,666	1,150
Operating lease liability	4,228	0
Other liabilities	11,456	13,367
TOTAL LIABILITIES	1,518,034	1,541,227
SHAREHOLDERS’ EQUITY:
Preferred stock, no par value, 3,000,000 shares authorized; no shares issued	0	0
Common stock, par value $5.55, 22,500,000 shares authorized; 7,517,796 and 7,517,546 shares issued; 7,037,571 and 7,037,321 outstanding	41,758	41,763
Additional paid-in capital	51,290	50,737
Retained earnings	76,009	69,787
Accumulated other comprehensive gain (loss):
Net unrealized gain (loss) on available for sale securities	3,266	(1,360)
Defined benefit plan	5,165	5,276
Treasury stock at cost, 480,225	(12,115)	(12,115)
TOTAL PENNS WOODS BANCORP, INC. SHAREHOLDERS' EQUITY	155,043	143,536
Non-controlling interest	18	8
TOTAL SHAREHOLDERS' EQUITY	155,061	143,544
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,673,095	$ 1,684,771