Jersey Shore State Bank - Centre Hall, PA

Jersey Shore State Bank
2842 Earlystown Road
Centre Hall, PA 16828
Phone: (814) 364-1600
Fax: (814) 364-2797

Welcome to Jersey Shore State Bank

We are a full service commercial bank operating community banking offices in the communities of Jersey Shore, Duboistown, Williamsport, Montoursville, Montgomery, Lock Haven, Mill Hall, Spring Mills, Zion, Centre Hall and State College, Pennsylvania.

Jersey Shore State Bank is the principal subsidiary of Penns Woods Bancorp, Inc. which is a bank holding company incorporated in Pennsylvania on January 7, 1983.

Our Mission Statement perhaps best captures our corporate philosophy:

"Jersey Shore State Bank is a locally owned, independent community bank with emphasis on servicing the needs of consumers and small to medium size businesses at a profit, thereby enhancing shareholder value through a professionally trained and dedicated staff with sound financial resources. We are committed to community leadership and growth."

Mortgage Loans
Whether you want to purchase your first home, refinance your current home or build your dream home, Jersey Shore State Bank has the program that is right for you.

Fixed Rate Mortgages
Adjustable Rate Mortgage (ARM)
Jersey Shore State Bank Portfolio Mortgage
Government Backed Loans (PHFA, USDA, or Rural Housing)
New Home Construction Loans
Lot and Land Loans
Home Equity Loans
Home Equity Line of Credit
Bridge Loans
Choose the the Mortgage that Meets Your Needs
There are several things to consider when choosing your mortgage:

Do you want the security of a fixed rate, month after month?
Do you want to start with a lower rate and monthly payment?
Do you want to pay off your mortgage as soon as possible?
Do you want to extend the term to lower your monthly payments?
Jersey Shore State Bank Pre-Approval Process
A home may be your ultimate dream, but when deciding on how much you will finance, it's important to keep your feet on the ground. You're making a financial commitment that could last for 30 years.

Do you need a pre-approval to shop for your dream home? Or would you like the security of knowing what you can afford before you negotiate a price for your new home? Call today for a no-obligation pre-approval appointment.

Required Information to Bring When You Complete a Loan Application or Pre-Approval*
Most recent W2s and tax returns.
Recent pay stubs for all applicants/wage earners (30-day period).
Most recent bank statement for all deposit accounts.
Social Security or award letter for pension income or SS income.
Current statement of investments.
Copy of sales agreement (obtain from your realtor).
Copy of deed and homeowner's insurance if refinancing.
If a construction loan - contract, plans, specs, builder allowances and copy of agreement of sale for land (if applicable).
Application fee. (Not required for Pre-Approvals).

Copyright Â© 1997-2009 Jersey Shore State Bank & ATAC Corporation