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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
July 8, 2003
Date of Report (Date of earliest event reported)
PENNS WOODS BANCORP, INC.
(Exact name of registrant as specified in its charter)
Pennsylvania 000-17077 23-2226454
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Ident. No.)
300 Market Street, P.O. Box 697, Williamsport, PA 17701
(Address of principal executive offices) (Zip Code)
(570) 322-1111
Registrant's telephone number, including area code
N/A
(Former name or former address, if changed since last report.)
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Item 7. Financial Statements and Exhibits.
(a) Exhibits.
The following exhibit is filed herewith:
99.1 Press Release, dated July 8, 2003, of Penns Woods
Bancorp, Inc.
Item 9. Regulation FD Disclosure.
On July 8, 2003, the Registrant issued an earnings press
release for the period ended June 30, 2003. The press release,
attached as Exhibit 99.1 hereto and incorporated herein by
reference, is being furnished pursuant to Item 12.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act
of 1934, the registrant has duly caused this report to be signed
on its behalf by the undersigned hereunto duly authorized.
PENNS WOODS BANCORP, INC.
Dated: July 8, 2003
By: /s/ Ronald A. Walko
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Ronald A. Walko
President
and Chief Executive Officer
EXHIBIT INDEX
Exhibit Number
99.1 Press Release, dated July 8, 2003, of Penns
Woods Bancorp, Inc.