Mark Beatty Email Address

Senior Vice President Chief Information Officer and Security Officer

Jersey Shore State Bank has been involved in the PHFA loan program since 1982. The bank was recently designated as a "Quick Close" lender with PHFA. A "Quick Close" lender qualifies the bank to make local decisions on PHFA loans. According to Jerry Seman, Vice President - Mortgage Officer, "Our success with the PHFA programs is because of our years of experience. I can honestly say we have some of the most experienced PHFA lenders in the state. The mortgage services department of Jersey Shore State Bank has Mortgage Consultants located in bank branches in Lycoming, Clinton and Centre Counties. Jersey Shore State Bank is a wholly owned subsidiary of Penns Woods Bancorp, Inc., a bank holding company with $568,668 million in assets. The bank has 12 offices in Centre, Lycoming and Clinton Counties. Penns Woods Bancorp, Inc. stock trades on the NASDAQ National Market under the symbol PWOD.

Extraordinary leader with outstanding ability to build and maintain strong business relationships, while providing guidance and expertise to support all organizational goals, at the same keeping technological costs at minimum. Twenty years of experience and is responsible for building the IT Department and infrastructure of Penns Woods Bancorp, Inc. from the ground up, thus creating a strong technological background and becoming well-versed in all facets of the Information Technology industry. *IT Strategy & Execution – Able to identify opportunities and strengths in both technology and personnel, in order to help build cost-effective solutions for business growth. *Business Relationships – Able to build and maintain strong relationships with executive management, vendors, and subordinates in order to help achieve business goals. Consistently proves to have successful vendor contract negotiations, driving down cost of IT Department overhead. *Efficiency – Proven track record of being able to achieve all desired business goals while working with minimal staffing. Able to do so by identifying professional strengths and weaknesses and putting individuals in situations they are able to thrive in. *Foresight – Able to effectively predict organizational and industry trends, thus creating proactive measures to ensure that Supervised Departments do not run risk of falling out of industry compliance