The 1 acre disturbance is PA state law as I understand. I need an E&S (Erosion and Sediment) Control Plan permit in addition to the pond permit. If I go over 1 acre, the permit process is even longer and more expensive. I'm too old for that, I want a pond before I'm 100!
Moses,
That may be a local statute that only affects small areas, such as the watershed where you are located. I would call the DEP and NRCS offices for clarification because pond construction is usually encouraged in PA.
Take a look at this publication. It also has contact information.
http://extension.psu.edu/courses/pond-management/lesson-1/management-of-fish-ponds-in-pennsylvaniaIn particular, look at page page 5 of that document.