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

 

April 18, 2005

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
of incorporation)

 

(Commission
File Number)

 

(IRS Employer
Ident. No.)

 

 

 

 

 

300 Market Street, P.O. Box 967, Williamsport, Pennsylvania

 

17703-0967

(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.)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))

 

 



 

Item 2.02                                             Results of Operation and Financial Condition.

 

On April 18, 2005, Penns Woods Bancorp, Inc. distributed a press release announcing its earnings for the period ended March 31, 2005.  The press release is attached hereto as Exhibit 99.1 and incorporated herein by reference.

 

Item 9.01                                             Financial Statements and Exhibits.

 

(c)                                  Exhibits:

 

The following exhibit is furnished herewith:

 

99.1  Press release of Penns Woods Bancorp, Inc. announcing earnings for the period ended March 31, 2005.

 

2



 

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: April 21, 2005

 

 

 

 

 

 

 

By:

/s/  Ronald A. Walko

 

 

 

 

Ronald A. Walko

 

 

 

President and Chief Executive Officer

 

3



 

EXHIBIT INDEX

 

Exhibit Number

 

 

 

 

 

99.1

 

Press release of Penns Woods Bancorp, Inc. announcing earnings for the period ended March 31, 2005.

 

4