Autumn - AgSouth Farm Credit

Transcription

Important Crop
Insurance Dates!
AgSouth
Leader
is published quarterly for stockholders and friends of AgSouth.
PRESIDENT
William P Spigener, Jr.
EXECUTIVE VICE PRESIDENT
Buron J. Wilson
BOARD OF DIRECTORS
Jacob L. Davis, III, Chairman
Kenneth Bennett
Dolan E. Brown
Jimmy C. Carter, Jr.
Loy D. Cowart
Herbert A. Daniel, Sr.
Lee H. DeLoach
W. Lewis Duvall
George A. Hillsman
Eugene T. Jones
Jeffrey M. Knowles
Noel L. Riggins, Vice Chairman
A. Harvey Lemmon
Jimmy B. Metts
Ricky C. North
H. L. Page
Jerome G. Parker
L. L. Post
Charles C. Rucks
John R. Wells
David H. Womack
EDITOR
Rhonda Uzzolino
ASSISTANT EDITOR
Wanda Mujica
Address changes, questions, comments or requests for copies of our
financial reports should be directed to AgSouth Farm Credit by writing
Carolyn Jones or calling 912-764-9091. Our quarterly financial report can
also be obtained on our website: www.agsouthfc.com. Contact us by email:
[email protected].
AgSouth Farm Credit does not endorse or accept responsibility for the
advertisements contained in this publication and is not responsible for any
misrepresentations contained therein, including misprints. Opinions and
statements contained in advertising and elsewhere in this publication are
those of the advertisers.
Advertise in the AgSouth Leader! Email Rhonda Uzzolino at
[email protected] or call at 912-682-5076. AgSouth reserves the right
to refuse publication of any advertising deemed inappropriate in the opinion of
the editors.
THANKS FOR YOUR COMMENTS!
We hope you’re enjoying your AgSouth Leader. Please thank our advertisers
and let them know you saw their ad in the AgSouth Leader. Advertising
pays for the cost of printing and mailing your cooperative’s magazine. If you
have any comments or suggestions about AgSouth Leader articles, columns
or advertisements, please contact Rhonda Uzzolino at 912-682-5076 or
[email protected].
Support your Leader advertisers!
11/14/03 Production Reporting Date - Barley, Oats, and Wheat
11/15/03 Final Planting Date - Barley
11/20/03 Sales Closing Date - Blueberries, Pecans, and Peaches
11/30/03 Final Planting Date - Oats
11/30/03 or 12/10/03 Final Planting Date - Wheat (Depending on
County)
12/31/03 Acreage Reporting Date - Barley, Oats, and Wheat
If you need crop insurance or have questions about AgSouth’s
crop or timber insurance products, contact Jimmy Dockery at 912384-3200 or 800-334-1224. You may also reach Jimmy by email at
[email protected].
This notice is for informational purposes only. Policy provisions
will prevail.
Attend Your Annual
Meeting!
Tuesday, October 21, 2003, Thomaston/Upson Civic Center, 101
Civic Center Drive, Thomaston GA
Thursday, October 23, 2003, First United Methodist Church
Activity Center, 209 Church Street, Vidalia, GA
Both sessions begin at 6:30 p.m.
The Driggers Family Update
A Cattleman Returns
from War
We welcome home Jessie
Driggers, a long-time AgSouth
Farm Credit member who was
featured in our July issue. Jessie
served in Oman during the war
with Iraq and is now safely back
home with his family.
ON THE COVER
Photo of a Starrsville Plantation hunt courtesy of Pete Hendricks.
PRINTED WITH
SOY INK
Autumn 2003, AgSouth Leader | 3
Implementing Retirement Plans Can Be
Made Easier for Farmers
By: Buck Heard, Rowell Realty and Auction Company
F
armers
approaching
retirement
face circumstances
unique to their life’s
work. I grew up in a
farming community,
where it was a natural
assumption that when neighbors reached
retirement age, their fields would be plowed
and the livestock cared for by a son or
daughter and their families.
But the number of new farmers is
declining, and the agriculture acreage of
today is being turned into the subdivisions of
tomorrow. Tough circumstances have caused
more and more farmers nearing retirement to
view their land and equipment as marketable
“A thoroughly
thought-out sale may
yield better lifetime
dividends than land
and equipment
leases.”
4 | Autumn 2003, AgSouth Leader
“...more and more
farmers nearing
retirement view their
land and equipment
as marketable
assets rather than
inheritable property.”
assets rather than inheritable property. They
look upon their property as a financial
foundation upon which they can build happy,
stress-free futures, and manage these assets
as carefully as any investment portfolio. In
many cases, if not most, a thoroughly thoughtout sale may yield better lifetime dividends
than land and equipment leases, and without
all the stress. Many farmers are better served
to turn hard assets into cash to use in other
investments.
A professional auctioneer knows how to
construct a property sale to best fit the needs
of a seller at the threshold of retirement. Life
estates and deferred payments may be one
successful avenue to assist farm families
in creating valuable retirement benefits.
Of course, planned retirement sales must
encompass a wide variety of seller needs,
including special considerations for spouses
and children. Attorneys, accountants, bankers,
estate planners, investment counselors and
auctioneers can help ensure that a farm
family’s retirement plans are implemented
with ease and with minimal expenditures.
A professional auction begins with
a written proposal containing detailed
information on each step in the orderly sale.
A good auctioneer will keep families fully
informed on the progress of the sale right
down to the distribution of the carefully
documented proceeds from every transaction.
The hardest part of farming is getting to
retirement age. Implementing the retirement
plan should be easy. n
Rowell Realty and Auction Company has
handled farm and estate auctions for more
than 28 years. Mr. Heard has offices in
Moultrie, Ga., and can be reached at 800323-8388.
Starrsville Plantation
By: Rhonda Uzzolino, Marketing Manager
J
ust outside of Covington, Ga., on 753
acres of some of the most beautiful
land in Newton County, you’ll find
Starrsville Plantation, a hunting, fishing and
conferencing facility that has been the scene
of numerous film and advertising shoots over
the years. Several episodes of “In the Heat
of the Night” were filmed there, as were
commercials for Redman Chewing Tobacco
and, more recently, a film short for the Turner
Broadcasting Network. The plantation has
also been used for various dog trials due to
the unique configuration of its ponds, and has
been the home to the NAHRA Nationals in
the past.
AgSouth members Pete Hendricks and
Jonathan Pardee have owned and operated the
plantation since 1982. Hendricks, an attorney,
and Pardee, an investment banker, were
looking for property in the country where they
could hunt and fish. They didn’t have to look
too far. They discovered the 1820’s plantation
only an hour east of Atlanta. With AgSouth’s
financing, the partners purchased the property,
renovated the main house, refurbished a lake
house and eventually opened the plantation as
an exclusive hunting, fishing and conferencing
facility. According
to Hendricks, they
chose to work with
AgSouth for financing
because “the people
there are experts in
rural financing, and
we enjoy the personal
relationship we have
with our loan officer,
Harold Smith.”
Sportsmen
who visit Starrsville
Plantation enjoy
single-party shoots
and hunts. Because
they want to give
sportsmen who visit
the property the best
opportunity for game
and a unique hunting
experience, Hendricks
and Pardee accept
only one booking at a
time. Groups who visit
have full use of the
continued on next page
The original 1820’s plantation house.
Starrsville Plantation’s oak-lined entrance.
Starrsville Plantation
(continued)
plantation’s amenities, including guided hunts
for deer, turkey and quail and the opportunity
to book a dedicated field for a dove shoot.
If hunting is not your style, relax and
enjoy the beautiful woodlands of this unique
property or fish in any one of the five ponds.
The ponds range from three to six acres and
abound with bass, bream and catfish waiting
for the taking. Take out a boat or just fish
from the bank, whichever suits your fancy.
Those who prefer fly-fishing may wish to
test their luck along a two-mile stretch of the
Alcovy River.
After a day of hunting, fishing or
conducting business, visitors can elect to stay
in the main house and enjoy the poolroom, or
rest in the lakeside cabin, which sleeps four.
Guests are welcome to enjoy other sporting
activities, as Starrsville offers canoeing,
hiking and picnicking. Additionally, there is
also a horseshoe pitch, a bocce ball course, a
croquet course and even three 25-shot sporting
clay courses. Yes, Starrsville Plantation has
something to please every outdoorsman.
For more information about Starrsville
Plantation, or to book an event, contact
Manager Torrie Roberts at 770-787-1366. n
Guests may stay in the main house or enjoy the lakeside cabin.
Quail, dove, turkey and deer abound in the varied terrain of the plantation.
Contact your Representatives!
1st District
Jack Kingston (R)
Washington, 202-225-5831
Savannah, 912-352-0101
Brunswick, 912-265-9010
Statesboro, 912-489-8797
2nd District
Sanford Bishop, Jr. (D)
Albany, 912-439-8067
Dawson, 912-995-3991
Valdosta, 912-247-9705
3rd District
Jim Marshall (D)
Macon, 478-742-1100
4th District
Denise Majette (D)
Decatur, 404-633-0927
5th District
John Lewis (D)
Atlanta, 404-659-0116
6th District
Johnny Isakson (R)
Marietta, 770-565-6398
7th District
John Linder (R)
Duluth, 770-931-9550
Athens, 706-355-9909
8th District
Michael “Mac” Collins (R)
Jonesboro, 770-603-3395
Columbus, 706-327-7228
9th District
Charles “Charlie” Norwood (R)
Augusta, 706-733-7066
Milledgeville, 912-453-0373
Dublin, 912-275-2814
10th District
Nathan Deal (R)
Gainesville, 770-535-2592
LaFayette, 706-638-7042
Dalton, 706-226-5320
11th District
Phil Gingrey (R)
Marietta, 770-792-9799
12th District
Max Burns (R)
Sylvania, 912-564-1295
Hephzibah, 706-790-1830
13th District
David Scott (D)
Atlanta, 404-523-9994
FALL CARE FOR
Recreational
Properties
By: James L. Buckner, Forestry and Wildlife Management Services
F
all is an exciting
time to be on
recreational
properties, especially
in the South. Many
hunting seasons
are open, and the
anticipation of
days spent in the fields is high. The care of
recreational properties, however, isn’t over.
Wildlife food plots need to be watched
carefully. With this year’s rains, leaching of
fertilizers can cause serious losses in forage
production. Any yellowing of wheat, rye
or similar grain plants may indicate a need
for additional fertilizer, usually ammonium
nitrate (34-0-0). Almost all recommendations
for growing such grain plants are for seed
production, not forage, and a hunting property
owner’s objective should be to maximize forage
production during the cooler months ahead.
Fishponds need special attention in the
fall. Spawning is complete, and the food
supply is “fixed” until next spring. If natural
prey species populations aren’t adequate in
numbers and size, bass will not do well during
the cooler months. You can tell if your prey
species numbers are inadequate by closely
examining your pond. An indicator that
this has happened is that the pond contains
numerous 10” to 14” “torpedo”-shaped bass
and few, but very large bluegill. This is a
classic case of bass overpopulation and can
only be corrected by removing many of the
bass. In some cases, this can be done by
fishing them out, but it requires a Herculean
effort since the bass are malnourished and
will not bite well. Usually, this can only
be accomplished by electrofishing. An
electrofishing boat or “shocking” boat uses
electricity to stun (not kill) the fish so that
large numbers of bass can then be removed.
This must be done early in the fall, however,
because as the water gets cold in the winter,
the bass are not as concentrated in the
shallower waters.
Hunting and fishing are just a few of the
outdoors sports many enjoy during the fall,
when the steamy heat of the summer has finally
gone. Proper management of your recreational
property can help you get maximum enjoyment
out of your experience. n
James L. Buckner is a certified wildlife
biologist and registered forester. He is the
owner of Forestry and Wildlife Management
Services, a consulting firm offering forestry,
wildlife and fisheries services. He may be
reached at 706-665-8285.
Jim Buckner’s sons, Forrest and Mitch, sampling a fish population
AgSouth’s
Privacy
Procedures
The Leadership Conference included 53 participants from all over Georgia.
AgSouth Co-Sponsors
Leadership Conference
By:Pat Calhoun, Vice President
Late this summer AgSouth co-sponsored
the Georgia Cooperative Council’s 2003
Cooperative Leadership conference at the
FFA/FCCLA Center near Covington, Ga.
Fifty-three attendees participated in
the two-day event. During the conference,
representatives from cooperatives throughout
Georgia took part in various team-building
activities and exercises designed to provide
leadership training and develop team
concepts, while teaching the teams about
cooperatives and the significant roles they
play in today’s society.
Representing AgSouth Farm Credit at the
conference was Speer Brannen from Register,
Ga. Speer is the son of AgSouth member John
Emory Brannen, a cattle and poultry farmer. n
Speer Brannen (l) and LeeAnne Auldridge
(r) of Odom, Ga. enjoyed the team-building
exercises sponsored by the Georgia
Cooperative Council.
Ronnie McLeod Wins Golfing
Package
By: Theron Anderson, Vice President
Congratulations to Ronnie McLeod of
Reidsville, Ga., who won a weekend golfing
package to Cuscowilla on Lake Oconee in our
spring leasing promotion. Ronnie plans to use
his trip to the beautiful resort to fine-tune his
golf game. n
The lucky winner (r) with AgSouth Vice
President Stacy Sikes
Your privacy is important to us.
We want you to know that we hold your
financial and other personal information in
strict confidence. Since 1972, Farm Credit
Administration regulations have prohibited
the directors and employees of Farm Credit
institutions from disclosing personal borrower
information to others without the customer’s
consent. We do not sell or trade our
customer’s personal information to marketing
companies or information brokers.
The FCA allows us to disclose customer
information to others only in the following
situations:
• We may give it to another Farm Credit
institution with which you conduct business.
• We can be a credit reference for you
with other lenders and provide information to
a credit bureau or other consumer-reporting
agency.
• We can provide information in certain
types of law enforcement proceedings.
• FCA examiners may review loan
files during regular examinations of our
Association.
• If one of our employees applies to
become a licensed real estate appraiser,
we may give copies of real estate appraisal
reports to the state agency that licenses
appraisers. We will first remove as much
personal information from the appraisal report
as possible.
• We may disclose customer financial
information in the ordinary course of business
to third parties when seeking government
guarantees, loan syndications, participations,
etc., or when loans are being sold on the
secondary market to Fannie Mae, Farmer
Mac, etc. These activities all involve actions
on your AgSouth loan and the information
may not be used for other purposes.
As a borrower of this institution, your
privacy and the security of your personal
information are vital to our continued ability
to serve your ongoing credit needs. n
David Scott Supports Agriculture
By:Rhonda Uzzolino, Marketing Manager
AgSouth Directors George Hillsman, Lewis Duvall and Jimmy Carter and Congressman David Scott (2nd from right).
D
avid Scott represents the suburban
13th District of Georgia, which runs
from Walton County on the East
to Southwest Fulton on the West, and from
Dekalb County on the North to Spalding
and Butts Counties on the South. With such
an extensive district, Congressman Scott
represents the various interests of both rural
and suburban constituents.
Born in Aynor, South Carolina, David
learned early in life the value of hard work.
He helped his grandparents on a tobacco farm
where, at the age of seven, he learned how to
milk a cow. David became the first college
graduate in his family when he graduated
with honors from Florida A & M University
in 1967. He earned an MBA with honors
from the Wharton School of Finance at the
University of Pennsylvania in 1969. In his 27
years in the State Legislature, he has been a
fighter for the working families of Georgia.
Now in the U.S. House of
Representatives, Scott, together with fellow
Georgia Congressmen Max Burns and Jim
Marshall, serve on the Ag Committee. While
Scott’s district has many suburban dwellers,
there are still a number of farmers within the
district. There is also a lot of agribusiness
activity in the 13th District, which contains
the Georgia State Farmer’s Market. Coming
from an ag background and having an interest
in agriculture, Scott eagerly works with other
Georgia representatives for the benefit of
agriculture in Georgia and the nation
As a businessman, David Scott knows
what it is like to have to meet a payroll. Like
farmers and other small business owners, he
understands the need for capital to operate
until the product is produced and sold.
On July 14th, Congressman Scott met
with AgSouth staff and directors Lewis
Duvall, Jimmy Carter and George Hillsman
at AgSouth’s Covington office. Carter shared
his concerns about the high cost of getting
into agriculture. According to Carter, should
a young person decide to start farming, he
or she would need a lot of start-up capital or
assistance. The land, equipment and inputs
are all very expensive. Carter believes that
the future of agriculture depends on the next
generation staying in the farming business;
therefore, the financial returns to farmers must
be attractive for them.
continued on page 13
Congressman Scott with AgSouth employees, directors and area farmers.
Educating Your Kids
About Financial Planning
By: Ron Washburn, CFP, American Express Financial Advisors, Inc.
A
s parents, we
want many
things for
our children’s future,
including successful
careers and financial
security. By nurturing
your children’s
financial awareness early and making a few
smart investment choices along the way,
you can help make the dream of financially
successful children a reality.
If you want your children to grow up to
be money savvy, you have to let them handle
money often and from an early age. Children
need to practice spending, banking, saving
and even investing.
What Children Can Do:
Open a bank account. Saving is the
obvious beginning to riches. Small children
can save their allowance in a piggy bank.
Older ones can open individual savings
accounts. Show them how to fill out a deposit
slip and explain how the bank will pay interest
on the accounts. Many local banks offer
accounts specifically aimed at children that
allow them to deposit a few dollars at a time.
Get a job. Not only does working
teach children the value of a buck, but it also
provides income for their savings.
Put money in bonds. Allocate a
percentage of a child’s allowance or salary
for long-term financial planning. A bond is
an investment vehicle representing a loan to
a corporation, government or municipality.
Generally, bonds pay a fixed interest rate
and return the principal investment at
maturity.1 Help your child invest in a mixture
of corporate, government and high-yield
bonds. Though returns from these bonds will
be meager in today’s market, they serve an
important lesson and will build your child’s
confidence in investing.
Invest in the stock market. Becoming
financially savvy requires good investment
skills, and good investing takes practice.
Begin teaching the basics of how to invest
in a company by using the daily newspaper
to track stocks. Choose a favorite or familiar
company, such as Disney, and track the
stock’s performance. There are also many fun
a part-time job can contribute up to $3,000
to a Roth IRA. If that $3,000 compounds at
10% per year, approximately $350,000 will
be available in tax-free dollars at age 65.
Using a hypothetical income tax rate of 30%,
that $350,000 is the same as about $500,000
in “regular” taxable dollars. In a different
scenario, the 15-year-old can choose between
If you want your children to grow up to be
money savvy, you have to let them handle
money often and from an early age.
tools on the Internet that help introduce kids
to the stock market, with simulated cash, of
course. Later, when your children have real
money to invest, they will know how to better
manage their portfolios.
What Family Can Do:
Set up a Roth IRA or traditional IRA.
A 15-year-old who has earned money from
investing in a Roth IRA and a traditional
IRA. In either case the account will grow to
$350,000, but distributions from the Roth
IRA will be tax-free, while distributions
from the Traditional IRA will be taxed at
approximately $105,000, assuming a 30%
tax rate.
Help your child get a good education.
With a 529-college savings plan, after-tax
dollars are contributed to a professionally
managed, tax-deferred account for each child.
While programs vary from state to state, each
offers significant benefits, such as state tax
deductions, income exemptions and even gift
and estate tax advantages.
Give appreciated securities. If you own
appreciated securities, such as shares of a
mutual fund or stock for more than one year,
you may be able to save on capital gains
taxes by gifting those assets to a child at
least 14 years of age. This can be particularly
beneficial if you own stocks or mutual funds
that have substantially increased in value.
If you were to sell the appreciated stocks or
funds, you could pay a 20% capital gains tax
on your profits (assuming you’re in the 27%
or higher tax bracket). But by transferring
the investments to a child who is 14 or older
(and in the 10% or 15% tax bracket), the
child can sell them and pay only 10% in
capital gains taxes.
Donate to a custodial account. You
may want to consider giving your gift of
stocks or mutual funds through an account
created by the Uniform Gifts to Minors Act
(UGMA) or the Uniform Transfers to Minors
Act (UTMA). On behalf of the minor, the
donor creates an UGMA or UTMA custodial
account. An adult custodian administers the
account until the child reaches age 18 to 25,
depending on the state, when the child gains
complete control of the assets. Remember
that your gift is irrevocable once you transfer
money into an UGMA or UTMA account.
For estate planning purposes, you should
designate someone other than yourself as
custodian. Otherwise, if you pass away before
the child gains control of the assets, the
account may be taxable to your estate.
Consult with an attorney or tax advisor
regarding specific tax implications. For
more information about the investment
options mentioned, contact your professional
financial advisor. n
David Scott (continued)
Many kids see how hard their parents
work. Often kids do not want to stay in
agriculture because of the hard work, greater
risks and the lower incomes than jobs in
nearby towns. Scott discussed the need to
tighten the regulations and inspections of food
products coming into this country to make
sure they are on an even playing field with
items produced in the United States.
All vegetables and food items coming
into the country should meet the same
standards as food produced in our country.
“We should be very diligent to see that our
food supply is not adversely affected by
terrorist activities, “ said Scott. n
American Express Financial Advisors Inc.
Member NASD. American Express Company
is separate from American Express Financial
Advisors Inc. and is not a broker-dealer. 2002
American Express Financial Corporation all
rights reserved.
1This information is provided by Standard & Poor’s.
Young Farmers Named Goldkist’s
“Farmer of the Year”
Chris and Kati Farmer represent a dwindling number of Americans; not only are they
full-time farmers, they are in the even more exclusive group of young farmers. The
Farmers produce broilers and beef cattle on their 31-acre tract located in West Central,
Ga. Annually they raise more than a million birds in their six poultry houses.
C
hris and Kati understand the
difficulties of running a small
business. They rely on their own
management capabilities to keep them in
business and are already planning ahead
to pass the farm on to their 16-month old
daughter Gracie when they retire. Chris is
concerned about the future of agriculture as
environmental and other regulations make it
difficult for family farms around the country.
“Most people, congressmen included, no
longer realize what it takes to get food on the
Young farmers
like Chris and Kati
Farmer are the future
of agriculture in
America.
table. Americans just go to the neighborhood
store and take for granted that the food will be
there at a very low price. Rarely do we give
much thought as to how the food gets to the
grocery shelf.”
Chris and Kati grew up around family
farms with old-fashioned values, tight-knit
families and hard work. Farming allows
Chris to maintain those values. According to
Chris, “Farming may be hard work with long
hours, but I can take off when I need to, see
my family at lunchtime and spend quality
time with them.” Kati adds, “It is all about the
family as far as we’re concerned.”
After working for two years on his
economics degree at West Georgia State
LEFT TOP:
Chris, Katy and Gracie Farmer.
LEFT BOTTOM:
The Farmers raise more than one
million birds annually.
College, Chris took
over the family
farm because his
grandfather had
become too ill to
handle the operation.
“There was just no
one else to do it,”
Chris says, “and my
grandfather didn’t
want to sell outside
the family.” In 1995
when Chris considered
expanding the poultry
operation, he began
looking for a reliable
lending partner that
understood agriculture.
He found that reliable
and knowledgeable lender in Farm Credit.
AgSouth was able to create a financial
package to meet the Farmers’ expansion
needs. Since expanding the facility, Chris’
operation and management skills have often
been recognized by others. Chris has been
Gold Kist’s West Georgia Division Farmer
of the Year for the past eight years and was
named Gold Kist’s Farmer of theYear in 1992.
According to AgSouth manager, Teddy
Howard, “Young farmers like Chris and
Kati Farmer are the future of agriculture in
America. I am thankful each time a young
farmer goes into and succeeds in an ag
endeavor. Too often the glamour of a job in
the city is more appealing to young people
than the difficult hands-on work on the farm.”
Chris and Kati enjoy the pleasures of
living in the country, owning their own business
and having quality time at home. In addition,
at the end of the day, they have the satisfaction
of knowing that they help to feed America.
Farming in rural America, what a difficult yet
wonderful and rewarding way of life! n
FROM TOP:
Loan officer Teddy Howard (far right)
believes that young farmers like Chris and
Kati Farmer are the future of agriculture. Chris
inspects a healthy four-week old chick.
Mac Collins (far right) discusses agricultural concerns with AgSouth Directors Charles Rucks,
Jimmy Carter and Noel Riggins.
Congressman Mac Collins
Visits Thomaston
By: Eddie Meeks, Vice President
G
eorgia’s 8th District Congressman
Mac Collins visited AgSouth’s
Thomaston branch on June 9,
2003. The representative toured the recently
remodeled office and visited with staff and
local cooperative patrons.
After introductions, former AgSouth
Board Chairman Charles Rucks advised
the congressman that AgSouth uses the
funds invested by its patrons to capitalize
the association. With their investments
in AgSouth, owners/borrowers of the
cooperative clearly expect the business to be
managed for profit and they certainly expect
a reasonable return on their investment.
“One of the benefits of borrowing from
AgSouth is that patronage is paid to its
patrons,” said Rucks.
Collins, a small business owner
himself, was able to relate to the stories
shared by local farmers about how Farm
Credit helped them and others in rural areas.
AgSouth’s Vice Chairman Noel Riggins
explained that purchasing a few acres
and building four poultry houses could
cost almost a million dollars. In order for
any lender to consider financing such a
large investment, an applicant must have
significant capital of his or her own to place
in the farm. For most lenders, a loan of this
size for an ag purpose can only be made
with an FSA or SBA guarantee. Riggins
went on to say that this is just one example
of the difficulties young and beginning
farmers face in obtaining credit all across
the United States. According to Riggins, “A
strong guaranty program needs to remain
in place if we are to be able to continue to
serve young and beginning farmers.”
Congressman Collins listened intently
to the farmers and responded that he is
committed to ensuring that the American
family farmer is competitive and profitable
on the world market. Collins sees a need
for American farmers to have fair trade
agreements to enhance exports along with
sensible environmental policies that do not
overburden operations.
Collins then answered questions from
the group ranging from taxation to social
security. Mac Collins displayed a dedication
to representing the best interests of the people
in the 8th District of Georgia. n
What Is
Trespassing?
By: George H. Rountree, Brown Rountree & Stewart PC
T
he approach
of fall stirs
the hunting
instinct in many of
us and leads to more
people than usual
wandering around
the countryside. This
migration of people from towns to the fields
and woods often leads to conflict. Whether
you are a landowner, a hunter, or both, a basic
understanding of the law of trespass is useful.
Trespass has two forms: criminal and
civil. Criminal trespass is a misdemeanor,
while civil trespass can lead to the recovery of
monetary damages.
A person commits a criminal trespass
if he or she damages property, enters upon
another’s land for an unlawful purpose or
remains on the property after receiving
notice from the owner that entry is forbidden
or after being ordered off. Therefore, the
presence of one on the land of another is not
criminal trespass unless a person has been
notified that he or she is not permitted to go
on that property, has been ordered to leave
and has refused, has damaged property or is
there for an unknown purpose. Permission
or invitation to enter property given by a
minor is insufficient if the minor’s parent has
previously given notice that the person is not
permitted on the land.
Finally, any person who enters upon,
or who hunts, traps or fishes on, any public
hunting or fishing area, fish hatchery, natural
area or any game management area without
complying with all rules of the Department
of Natural Resources also commits criminal
trespass. Criminal trespass can be prosecuted
through the county solicitor general or district
attorney, and charges may be brought by
notifying the sheriff or applying for an arrest
warrant from the magistrate judge.
Civil trespass is a different matter. It
will not result in fines or imprisonment, but
may result in the recovery of money by the
landowner. Any unlawful interference with
an owner’s property right constitutes trespass.
Any act that unlawfully interferes with the
right of enjoyment of private property is the
civil tort of trespass. Trespass includes, but
is not limited to, intrusion onto another’s
property, invading a person’s air space with an
overhanging structure, removing lateral support
from land, shooting across another’s land or
allowing one’s animals to run across another’s
land. Diversion, obstruction or pollution of a
non-navigable stream, unauthorized cutting of
trees, unlawful interference with a right-of-way
and similar actions are also forms of trespass.
Diversion of water is not trespass, however,
unless it is accomplished by artificial means.
For example, water backed up by a beaver dam
is not a trespass.
While all of these actions constitute
trespass, there are no guarantees that the
landowner will receive any compensation for
the trespass. Generally, the measure of damages
is the difference between value of the property
before and after the trespass. An owner may
also recover for loss of use of the property
caused by the trespass. Mental pain and
suffering and punitive damages also may be
recovered in appropriate cases. Although it can
be easy to show that someone has trespassed,
it may be hard to show that the landowner
was damaged by the trespass. Consequently,
relatively few trespass actions are filed.
To avoid these trespass issues, hunters
and wanderers should be aware of their
locations at all times and should have
permission to be there. Landowners should
warn potential trespassers to stay away in
order to avail themselves of criminal trespass
proceedings. Monetary damages for trespass
are possible in certain circumstances, but can
be problematical. n
This article does not constitute legal advice.
See your attorney to discuss issues unique to
your circumstances.
Fru, Kirby, Marie and Craig Hayes.
Kirby Hayes
K
irby Hayes, AgSouth’s chief financial
officer, has been with Farm Credit
for more than 30 years. He has spent
much of that time dedicated to serving the
community in which he was born and raised.
Kirby, his wife Fru and four-year-old
daughter Marie live in Morgan County, where
he and his brother Joe raise a commercial
beef herd of about 100 brood cows. Their
18-year-old son Craig, who graduated from
high school earlier this year, spends much of
his time working on the farm and with his
own hay operation. As for Craig’s nights,
well, Kirby’s not too worried because, as he
says, “In his jazzed up Dodge 2500, you can
hear Craig coming from a mile away.” Craig
inherited his love of agriculture from his
parents and can’t imagine doing anything else
with his life. He is currently beginning college
with plans to major in agricultural business.
Kirby and Fru also have two grown daughters,
Leigh and Shanna, who no longer live on the
family farm, but have moved on to pursue
their own dreams.
Kirby and Fru have devoted their lives to
agriculture and the rural lifestyle that naturally
comes with the territory. Part of the Hayes’
farm initially belonged to Fru’s father, Stanley
Booth, and those who have been in the county
long enough might remember it as a dairy farm.
Kirby also helps his brother Joe raise chickens
on their father’s old farm. According to Kirby,
Joe raises about 600,000 chickens each year on
the former E.W. Hayes farm. Even to Kirby,
who spends his days counting Farm Credit
pennies, that’s a lot of chicken feed!
Kirby and Fru have been married for 30
Kirby and his beloved 1962 Willys.
years, but at least knew of each other long
before they ever went on their first date. When
they were children, their parents’ farms adjoined
at a creek. The way Kirby tells it, you can
easily imagine a young Kirby and Fru throwing
sticks at each other across the property lines,
although neither will admit such an incident
ever happening. The connection between them
goes even deeper, though, as Fru’s father was
young Kirby’s Sunday School teacher. It’s
ironic that given their close ties, the two didn’t
officially meet for many years. After living on
adjoining farms and attending many of the same
functions while growing up, each was aware the
other existed, but it wasn’t until fate stepped in
many years later that their lives joined together
as their family properties once did.
After high school, Kirby proceeded to
pursue his degree in agricultural economics from
the University of Georgia. Shortly before Fru
left town to begin college, the two finally met
officially while cruising around Madison with
friends. They have been together ever since.
Kirby often jokes that he graduated college,
moved back home with a new wife and started
to work for Farm Credit all in the same summer!
While Kirby pursued his career at Farm
Credit, Fru went on to get her degree in
education. She began her career in Morgan
County and Social Circle as a special
education teacher, eventually returning
to UGA to earn her doctorate in school
psychology. She has been in private practice
for the past seven years, specializing in
working with children and adolescents.
Devoted to their family and work, Kirby
and Fru also take time to give plenty back to
the community. They have been certified foster
parents since 1999. Kirby is on the Board of
Directors of the Caring Place in Madison,
which provides food for the needy. The Hayes
are also active long-time members of the
Madison Presbyterian Church. Additionally,
Kirby has volunteered with Habitat for
Humanity and has been on a mission trip to
Mexico to help with home construction.
The family also has another interesting
way of giving back to the community. Kirby,
Fru and Craig are licensed amateur radio
operators, or Hams. While this is mainly
a hobby for the Hayes family, if there is a
disaster that impedes normal means of public
communication, Kirby, Fru and Craig could
assist in providing emergency communication
for emergency responders and the public.
AgSouth is proud to have Kirby Hayes
not only as a member of the cooperative, but as
a vital part of our success as an association. n
Brandi Davis
Deborah Goober
Zack Purvis
Jeff Mitchell
Dawn Black
Ricky Grice
Ben Ellington
Cae Cauley
New Employees
One of the many brood cows on the Hayes’ farm.
Brandi Davis recently joined AgSouth as a part-time loan assistant in the Douglas Branch.
Brandi is a senior at Coffee Co. High School.
Deborah Goober has accepted the position of loan assistant in the Jesup office. Deborah
comes to AgSouth from Prime South Bank in Jesup, where she was a loan processor.
The Greenville office welcomes Zack Purvis to AgSouth as a credit analyst. Zack, originally
from Fort Valley, Ga., is a recent graduate of the University of Georgia.
Jeff Mitchell joined the association late this summer as Information Systems Coordinator.
Prior to coming to AgSouth, Jeff was employed by Georgia Southern University as a PC Support
Specialist.
The secondary mortgage department welcomed Dawn Black to Madison earlier this summer
as an underwriter in the processing unit. Dawn is a graduate of UGA with a master’s degree in
agricultural economics. She was employed by UGA’s Forestry School for three years and by the
Center for Agribusiness & Economic Development for two years before joining AgSouth.
Ricky Grice is a recent addition to the Griffin office. Ricky brings 16 years of sales and
leasing experience to the position, in addition to 5 years’ previous Farm Credit experience as a
commercial loan officer with Farm Credit of Southwest Florida. He is also a licensed life and
crop insurance agent in Florida, and is working to transfer his licenses to Georgia.
Ben Ellington, a recent graduate of the University of Georgia, has accepted a secondary
market loan officer position in Carrollton.
Cae Cauley, a graduate of Georgia Southern University with a degree in finance, is the
newest mortgage originator in the Baxley office.
Craig’s hay field.
Congresswoman Denise Majette,
from Georgia’s 4th District
By: Jed Wilson, Executive Vice President
Representative Denise Majette and AgSouth Vice President Harold Smith at Majette’s campaign headquarters.
S
he has a degree from Yale, a law degree
from Duke, and 10 years’ experience as
Judge of State Court of Dekalb County,
Ga. Having accomplished all of this, Denise
Majette resigned her judgeship and ran for the
4th District congressional seat in 2002. Although
considered a long shot by most political experts,
Majette won the primary and then went on
to win the general election with a very high
percentage of the vote. It’s clearly evident that
Congresswoman Majette knows how to set
goals and works to meet the challenge!
When you meet Majette, it is not hard
to understand why she has been successful
in the political arena. With her education and
experience in the field of law, a big smile and
a warm handshake, Majette is as interesting as
she is capable. When AgSouth Vice President
Harold Smith and I recently visited her office
in Decatur, Majette met us at the door with a
friendly welcome.
Although not from a farming background
herself, and with very few farmers in her
district, still she listened intently to the
discussion about the Farm Credit System and
the importance of Farm Credit to people living
in both rural and urban areas. Smith explained
that without rural Americans and lenders such
as Farm Credit to provide capital, the cost of
Her vote counts for
the benefit of all
Americans!
food would be very expensive, thus directly
hitting the pocketbooks of all Americans.
Since Congresswoman Majette, the mother
of two, is very interested in improving the
quality of life in her district, she listened as
Smith explained the connection between rural
and urban Americans. When the discussion
moved to the cost of items in the grocery
basket, Majette recognized that the high cost
of groceries (as perceived by the consumers)
includes not only low cost food but also
paper, cosmetics, cleaners, bottled water....
and the list goes on. When the non-food items
are removed, a trip to the grocery store is
relatively inexpensive for most Americans.
Congresswomen Majette has an
interest in small business and is a member
of the House Budget, Small Business, and
Education and Workforce Committees. Since
most farmers are small businessmen, the
conversation turned to AgSouth’s active SBA
Guaranty Program. Smith explained that
FSA and SBA loan programs help AgSouth
serve farmers who would not otherwise be
able to obtain dependable ag credit in the
marketplace.
Although the 4th District is no longer
very rural in nature, Majette noted that her
vote counts not just for the benefit of the
4th District, but also for the benefit of all
Americans! n
passing on a
tradition
The outdoor sports are some of our most cherished traditions.
We pass our knowledge and skills on to our children and hope
that they will enjoy the natural world as much as we do. Along
with learning to hunt and fish, one of the most important things
we can teach our kids is to give something back to the resource.
For more than 65 years, hunters and others have been giving back
through their support of Ducks Unlimited. That support has led
to more than 10 million acres of wildlife habitat on the ground.
Help carry on a grand outdoor tradition.
JOIN DUCKS UNLIMITED TODAY.
Call 800-45-DUCKS or visit DU’s Website
at www.ducks.org to see how you can help.
A Dog’s Diary
Author Unknown
5:30 a.m. - Started the day as a hero!
When the sound of the newspaper hitting the
driveway roused me from my deep slumber,
I roused my master by licking him on the
face. He appeared very angry with himself
for having overslept, shouting and waving
his arms. His ill temper even seemed directed
at me a bit, which is silly since it was I who
saved him from being fired. Funny thing,
though: he didn’t go into work, but spent the
morning leafing through the large newspaper
and drinking coffee. He seems to do this once
a week, and I don’t know why.
7:30 a.m. - Invaders! The people who
live next door came out into their yard,
obviously getting ready to lay siege to our
house. Snarling and barking, I let them know
in no uncertain terms that I was prepared to
tear them limb from limb if they came any
closer, and was able to repel the invasion. This
is an almost daily occurrence; you’d think
they’d learn.
10:00 a.m. - I was forced to move, as
the patch of sun in which I was lying had, for
some reason, slid over a few feet.
continued on next page
A Dog’s Diary
(continued)
1:00 p.m. - I have the most thoughtful
master in the world! While it’s true he left me
alone in the house for several hours, he did
set out a treat for me on the kitchen counter.
It was even gift-wrapped, a courtesy I wish
he’d skipped, since it led to me having a lot of
plastic in my teeth. The roast was delicious,
though frozen in the center. I don’t want to
seem ungrateful, but crunching through two
inches of rock-hard beef is hardly my idea of
a delicacy.
2:00 p.m. - Most unpleasant experience
when my master returned home and was
furious that I had not eaten the plastic wrap
that had been covering my present. He kept
pointing at the small pieces of Styrofoam
and other debris and raving in a most
irrational fashion. When he began rolling up
a newspaper I realized he’d lost all reason
and bolted for the front door, which was
fortunately open just a crack.
4:00 p.m. - Spent the afternoon with
the girls. We had a small snack at an outdoor
cafe we like, with meat scraps and bread
served out of circular containers with easily
displaced lids.
5:00 p.m. - What a treat! On the way
home a flock of ravens drew my attention
to a squirrel that had been flattened by an
automobile. After several days in the sun,
the aroma was so delicious it made my nose
quiver. I rolled in the wondrous fragrance
for several minutes, and when I stood up I
positively radiated “eau de road kill.”
6:00 p.m. - Of all the times to get a
bath! My master, still in a foul mood, made
me stand outside in the chill air while he
shampooed and rinsed me several times.
Every time I shook the water from my fur he,
too, became drenched, and in the end he was
shivering. Why in the world does he do stuff
like this?
9:00 p.m. - Time to sleep, though for
some reason I am only allowed on the bed
when no one’s home.
Ah, the life of a dog. n
The Many Benefits of
Cooperatives
By: Dick Schermerhorn, Georgia Cooperative Council
T
he cooperative form of business
organization provides a means for
groups to accomplish something the
individuals in the groups probably could not
have done as a singular entity. The fundamental
characteristic distinguishing a cooperative from
other forms of business organization is that
it is owned by, controlled by and intended to
benefit the people it serves, its members.
Today cooperatives are a common
part of many American communities. Many
examples of cooperatives exist in rural
America, such as EMCs, which supply
electricity, rural telephone cooperatives
and Farm Credit. Additionally, farm supply
cooperatives provide such items as fertilizer,
fuel, chemicals and other farm supplies to
producers at a lower cost to farmers than
if they had purchased the products from a
retail store. In some cases farm marketing
cooperatives are formed to market many types
of agricultural commodities including milk,
fruits and vegetables, livestock, poultry and
row crops such as peanuts, grain and cotton.
Rural America is not the only place coops
exist; many examples of cooperatives at work
can also be found in urban America in such
areas as retail food, day care, credit unions,
condominiums and recreational facilities.
Cooperatives are usually formed for one
of these reasons:
1) to fill an economic need such as
marketing a product where members are
attempting to diversify by producing an alternative
crop. In most instances, these members are
unfamiliar with the new market and its methods
of marketing and could not afford individually to
investigate and develop market potential;
2) to correct an inequity such as to
balance power in the marketplace where only
a few buyers exist; or
3) to narrow producer consumer margins
by extending their production activities to
include various aspects of marketing such as
grading, packaging and distribution of their
products to the ultimate consumer.
Cooperatives have been, are and will
continue to play an essential role in America’s
economy by functioning as member-owned
and member controlled organizations designed
to serve the specific needs of its members.
The Georgia Cooperative Council is a
October is National
Cooperative Month.
Support your
cooperatives!
statewide non-profit association composed of
Georgia cooperatives including marketing,
supply, financial, electric, telephone, cotton
and services cooperatives. Current membership
includes 58 cooperatives operating in the
state. The major purposes of the Council are
to promote, foster and encourage cooperatives
in Georgia; to encourage and promote a
closer mutual relationship between all types
of cooperatives in the state; and to promote a
better understanding of cooperatives and the
problems faced by cooperatives.
To find out more about Georgia’s
cooperatives and how they work, contact the
Georgia Cooperative Council, Executive Director,
P.O. Box 447, Bethlehem, GA 30620 or visit their
website at www.agecon.uga.edu/~gacoops. n
There’s more to life than work...
and shoes and socks are optional.
With rates still the lowest they’ve been in years, there’s never been a better time to buy that rural
property or country home you’ve been dreaming of, so stop dreaming and start doing.
Loans and leases for rural America:
farmland, livestock, rural property, home construction, home purchases, and much more!
Autumn 2003,
AgSouth Leader | 23
800.633.9091
www.agsouthfc.com
A West Georgia County’s Approach to
Perpetuating Agriculture
By: Bill Hodge, Carroll County Extension Agent
H
ome to more than 1,000 small farms,
Carroll County supports more
agricultural operations than any
county in the state. Its strong beef cattle and
poultry industry drives a $111 million a year
agricultural economy made up of a committed
farm populace.
Carroll County’s close proximity to
Atlanta presents challenges to this agrarian
community. Attaining the rank of the 77th
fastest growing county in the nation prompted
the county’s agricultural leadership to
establish the Carroll County Farmland and
Rural Preservation Partnership to address
the situation. The partnership set goals,
including better public education about
the importance of local agriculture, more
economic opportunities for farmers, minimum
lot sizes in rural areas, a voluntary transfer
of development rights program, agricultural
districts and stronger right-to-farm laws, and
then presented these goals to the county’s
board of commissioners.
The board is quite interested in these
issues and is willing to consider farmland
protection measures as part of a county
process to update its comprehensive land use
plan. Robert Barr, commission chairman,
considers perpetuating agriculture a real
priority in the community. “It’s an industry
- not just part of our heritage,” Barr said.
“There’s a quality of life issue, but more
than that, the industry of agriculture itself in
Carroll County is really large.”
Another measure on the table is a county
program to be funded by a voter-approved
one-cent sales tax. A planned November 2003
referendum contains language to fund open
space retention, and a portion of that revenue,
if approved, will go toward the program.
To date, the partnership has helped
establish the Cotton Mill Farmers Market with
the acquisition of the two SARE grants. The
2001 season saw 28 farmers add $150,000 of
extra value to their production as a result of
their participation in the market.
“The Cotton Mill Farmers Market
is a prime educational tool to inform the
non-farming public about the county’s
agricultural resources,” Barr said and
continued, “Agriculture preserves the one
thing that draws people to Carroll County—
its rural nature.”
For more information about Carroll
County agriculture, contact Bill Hodge at 770836-8546. n
AgSouth Director Ricky North (r) shares his concerns with
Representative Gingrey.
11th District
Congressman
Meets with AgSouth
Representatives
By: Teddy Howard, Vice President
G
eorgia’s Eleventh District Congressman, Phil Gingrey, recently
met with AgSouth members and staff in Carrollton, Ga.
Topics discussed included Farm Credit’s governmentsponsored enterprise status (GSE). A GSE is a privately held
organization with a public purpose or mission. AgSouth’s mission is to
improve the quality of life in rural America. This mission is partially
met by taking capital from Wall Street and moving it to rural America
through AgSouth’s loans, leasing and related services.
Ricky North of Heard County and Noel Riggins of Lamar County,
both directors of AgSouth, discussed the competitive edge they receive
through their participation in AgSouth’s patronage program. North said
he intentionally scheduled his truck payment to coincide with the same
date each year that he typically receives his AgSouth patronage. When
the annual truck payment comes in he is able to pay the pickup payment
with the patronage check.
Congressman Gingrey generously answered questions about his
assignments on the Armed Services, Education and the Workforce,
and Science committees in the House of Representatives. According
to North, “The meeting was time well spent, and I believe meeting our
congressmen face-to-face helps bring to light the importance of Farm
Credit to agriculture and the American people.” n
Congressman Gingrey (center) met with AgSouth directors and staff at
AgSouth’s Carrollton office.
AgSouth’s Market
Don’t forget to browse our website for more items. To add or delete something from AgSouth’s Market, please contact
[email protected]. If you find what you’re looking for, contact AgSouth for financing!
Real Estate Wanted
5-10 acres near Statesboro. Contact charlie4000@jeffersone
nergy.com.
2-3 acres in Ware, Pierce or Brantley Co. to build house.
No more than $15,000. Contact Angie @ 912-284-0397 or 912285-0877.
Old farmhouse, mill or other older structure/home on
10-40 acres w/hardwoods, creek or pond, pasture, & barn in Elbert,
Franklin, Hart, Madison or Stephens Co. Fixer-uppers welcome. Contact
[email protected].
10-40 acres w/pond or pond site in Bacon, Ware, Jeff Davis or
Appling Co. Contact [email protected] or 912-632-3164.
Chicken farm w/Tyson contract. Contact [email protected].
1+ acres in Coweta Co. suitable for house, preferably East of Newnan
in attractive area. No more than $20,000. Contact [email protected].
Broiler or hen farm poultry operation in Georgia. Contact 386-4286015.
Pasture in or around Douglasville for 5 ponies. These ponies were
donated for research for lameness of the legs and feet and are doing well.
The lease to the land the ponies were kept on has been lost and the ponies
cannot be sold or given away so new pasture must be found. Please contact
D.J. @ 678-945-9888.
Nonprofit company looking for property within 90 minutes of
Atlanta to build or buy equestrian center for children. Can purchase
existing facility if there is board revenue to supplement mortgage. Contact
[email protected].
5-15 acres in Morgan Co. to build new 2000-2500 sq ft home.
Prefer area w/restrictions or covenants that allow horses. Contact
[email protected] or 770 946-3893.
Broiler farm for sale in the Hope, AR area. one that will cash flow,
and in the price area of $300,000-$400,000. Contact Tom or Debra Brumley
at 405-257-3290 after 6 pm.
10-20 acres for starting a church in east Newton, southeast Walton
or the northwest Morgan Co. area. Contact Frank @ 770-554-1285.
Land in Newton or Walton Co. w/fishing pond. Must be able to have
house or modular home. Under $150,000. Contact [email protected].
5-15 acres in Walton Co. in the Bold Springs area. There will be 2
homes built as well as 2-3 horses. Price to $8000/acre. Contact mkristinasan
[email protected].
Real Estate for Sale
Mini Income-Producing Poultry Farm in Morgan Co. 11+/acres. Farm includes country home w/3br, 2ba, pond & trees. Two 400’
x 36’ broiler houses; clear span tunnel ventilation. $450,000. Contact
Bob Richards @ 706-342-2526 after 9:00 or fax 706-342-2526 for more
information.
70 acres w/10 acres developed w/3br 2ba modular home, pond, pool,
barn, hay field plus 60 acres wooded/cutover hunting area (deer/turkey)
North Long Co. off Hwy 196. 10 minutes to Glennville, 20 minutes to
Hinesville, 60 minutes to Savannah. $142,500. Call 912-654-2277 or email
[email protected].
34.35 acres in Gum Branch, Liberty Co. No subdivision of land.
$3,200/acre. Contact J. Frost @ 912-884-2859 before 9:00 p.m.
Pine Mountain/Callaway Gardens Area: 7 acre mini farm; 2221
sq ft 3 br, 3 ba brick house w/fireplace, wood floors, barn w/workshop,
cattle corral w/headcatch. Fenced pasture w/water for livestock. $299,900.
Adjoining 142 acres available @ 5,000/acre. 7 miles from Callaway
Gardens, 10 miles from LaGrange, 2 miles from I-185, 1 hour from Atlanta
Airport, 30 minutes from Columbus and Auburn. Contact Mark Freeman
@ 256-635-6456 or 256-9961009; or visit forsalebyowner.com Listing
#10100198.
46 Acres in Mt Airy, Habersham Co., just outside Cornelia. Partially
cleared, old home site, adjacent to gov’t. land. $12,000/acre OBO. Contact
Harold Hogan @ 770-529-8571.
Modern brick home in quiet country setting with 5.39 acres & pond
near Rocky Ford (Screven Co.). 4/5 br, 3 ba, 3200 sq ft, double carport,
screened porch, paved driveway. Appraised in May 2003 for $175,000. Will
sacrifice for $150,000. Owner moving. Contact Brandon Parker @ 912-7646249.
For Lease
Pasture w/dwelling in Butts Co. Contact D.J. @ 678-945-9888.
AgSouth Farm Credit
P.O. Box 718
Statesboro, GA 30459
ADDRESS SERVICE REQUESTED
PRSRT STD
U.S POSTAGE
PAID
COLUMBIA, S.C.
PERMIT 785

Autumn - AgSouth Farm Credit

Transcription

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