Company:  PENNS WOODS BANCORP INC (PWOD)
Form Type:  10-Q
Filing Date:  11/7/2008 
CIK:  0000716605 
Address:  115 S MAIN ST 
City, State, Zip:  JERSEY SHORE, Pennsylvania 17740 
Telephone:  570-322-1111 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$30.36   		Change: 
0.32 (1.07%)  
Trade Time: 
04:00 PM EST   		Market Cap: 
$116.40M
Description of Business
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  FORM 10-Q
    Part I. FINANCIAL INFORMATION
      Item 1. Financial Statements
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        Note 1. Basis of Presentation
      Item 2. Management's Discussion and Analysis of Financial ...
      FINANCIAL STATEMENTS
        STOCKHOLDERS EQUITY
      Item 3. Quantitative and Qualitative Disclosures About ...
      Item 4. Controls and Procedures
    Part II. OTHER INFORMATION
      Item 1. Legal Proceedings
      Item 1A. Risk Factors
      Item 2. Unregistered Sales of Equity Securities and Use ...
      Item 3. Defaults Upon Senior Securities
      Item 4. Submission of Matters to a Vote of Security Holders
      Item 5. Other Information
      Item 6. Exhibits
    SIGNATURES
    EXHIBIT INDEX
  EXHIBIT 31.(I)
  EXHIBIT 31.(II)
  EXHIBIT 32.(I)
    CERTIFICATION SECTION 1350
  EXHIBIT 32.(II)
    CERTIFICATION SECTION 1350
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