Generations of Success

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Farm Credit
leader
Lending support to rural America®
MEET OUR 2014
SCHOLARSHIP winners
inside!
volume 19 | issue 2 | $3.95
Generations of Success
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In This Issue
MidAtlantic Farm Credit, ACA
FARM AND LAND
J. Robert Frazee, CEO
MidAtlantic Farm Credit
Board of Directors
Fred N. West
Chairman
M. Wayne Lambertson
Vice Chairman
4 Longenecker’s Hatchery
A longstanding poultry operation in Lancaster
County, Pennsylvania, Longenecker’s has an
eye towards the future with help from the
next generation.
6 Five Generations of Farmers
The Crum family in Frederick County,
Maryland has grown their farm into a
successful operation through years of hard
work and dedication from family members.
Paul D. Baumgardner
Deborah A. Benner
Brian L. Boyd
Gary L. Grossnickle
Dale R. Hershey
Walter C. Hopkins
T. Jeffery Jennings
Christopher Kurtzman
Fred R. Moore, Jr.
Dale J. Ockels
Jennifer L. Rhodes
Ralph L. Robertson, Jr.
Paul J. Rock
Joseph D. Snapp
Lingan T. Spicer
facebook.com/midatlanticfarmcredit
@midatfarmcredit
mafc.com/blog
8 Fawnwood Farms
Each of the four generations of this family
operation has added a special touch to
Fawnwood Farms in Chestertown, Maryland,
with a fifth generation on the way!
10 Cave Ridge Vineyards
Located in the heart of the Shenandoah Valley,
Randy and Karen Phillips, with help from their
daughter, are running a popular winery with
plans to grow the family business.
MidAtlantic Farm Credit
MidAtlanticFarmCredit
OUR ASSOCIATION
12 Scholarship Winners
14 Annual Meetings in Action
16 Patronage Program
COMMUNITY
17 Properties for Sale
questions or ideas If you have any questions or ideas for the editorial staff of the
Leader, contact Jenny Kreisher at 888.339.3334, e-mail her at [email protected] or write her at
MidAtlantic Farm Credit | 700 Corporate Center Court | Suite L | Westminster, MD 21157.
This publication is for you, our reader. We’d love to hear from you!
The Leader is published quarterly for stockholders, friends and business associates. If you wish to no longer
receive this publication, please email: [email protected]. Use “Unsubscribe Leader” in the subject.
The Farm Credit Administration does not require the association to distribute its quarterly financial reports to
shareholders. However, copies of its complete report are available upon request or see quarterly updates online
at mafc.com. The shareholders’ investment in the association is materially affected by the financial condition
and results of operations of AgFirst Farm Credit Bank and copies of its quarterly financial report
are available upon request by writing:
Susanne Caughman | AgFirst Farm Credit Bank | P.O. Box 1499 | Columbia, SC 29202-1499
Address changes, questions or requests for the association’s quarterly financial report should be directed to:
MidAtlantic Farm Credit, ACA by calling 800.333.7950 or writing:
MidAtlantic Farm Credit | 45 Aileron Court | Westminster, MD 21157
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| volume 19 | ISSUE 2 | mafc.com
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president’s message
Back in the Day
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events | deadlines
JUN
event
place
0-21Delmarva Chicken Festival
2
21
First day of summer
JUL
Centreville, MD
eventplace
1Wheat and barley premiums due
9-12
Talbot County Fair Easton, MD
4Independence Day MAFC Offices Closed
15
Acreage report deadline
18-19
Pennsylvania Christmas Tree
Growers Association Conference
Frackville, PA
17-26Delaware State Fair
Harrington, DE
19-26Washington County
Ag Expo and Fair Sharpsburg Pike, MD
31-Aug 2 The Great Pocomoke Fair
Pocomoke, MD
AUG
eventplace
2-9
Howard County FairWest Friendship, MD
6-9
Caroline-Dorchester County FairDenton, MD
8-10Worcester County FairSnow Hill, MD
10-16
Clarke County Fair
Berryville, VA
11-16
Queen Anne’s County Fair
Centreville, MD
14-16Wicomico Farm and Home ShowSalisbury, MD
15Spring crop premiums due
17-23
Jefferson County Fair
Kearneysville, WV
For a full list of events, please visit mafc.com
I’ve often heard people describe how things were “back in the day”,
meaning the way that they remember events from when they were
much younger.
I remember, back in the day, when no one even thought about
multi-generational farms. It was the norm, and it was an efficient way
to get things done—with Grandpop handling field work, for instance,
the son or daughter in charge of the bulk of the work on the farm, and
the kids feeding calves and cleaning out pens. It was what we called
“farming” back then.
Today, we don’t take these family-based farms for granted. We
know how hard it is to farm—and how hard it is to do it generation
after generation. I’m not saying for a minute that it’s harder than getting
started—because buying land and building a business is a big obstacle
for many people today—but it does have its own challenges. Will the
next generation want to farm? Can the family members work together?
What happens if you need a skillset that no one in your family has?
That’s why I’m so impressed with the families highlighted in this
issue of the Leader. Like Longenecker’s Hatchery, a Lancaster County,
PA farm that has been raising chicks since 1919. And the Crum family,
who has been farming in Frederick County, MD, since 1891. Then there’s
Fawnwood Farms, a dairy farm in Chestertown, MD, looking forward
to the fifth generation being born this spring. And finally, there’s the
youngest venture in our issue—Cave Ridge Vineyard, a 31 acre vineyard
in Mount Jackson, VA, which is run by two generations of dedicated
growers, with a third pitching in when she’s not in elementary school.
Any operation in business as long as the businesses above have
seen their share of ups and downs in the industry. Some of them may
have diversified their farms, or even switched businesses entirely, but
what remains through the generations is twofold: a love of the land and
a commitment to family. It’s a great legacy that our loan officers get to
see every day, and I’m glad that Farm Credit has been a part of so many
families’ success.
Speaking of success, we wish all the best to our 2014 scholarship winners. Since 2000, we’ve given out almost $220,000 to young
students in our region. You can see why we know that we’ve made a
great investment in their futures on page 12.
We distributed those scholarship funds at our annual meetings,
which you can see on pages 14 and 15. We no longer deliver patronage
checks at those meetings, but that’s only because we mail the checks so
that our members can get them sooner. This year we distributed over
$36 million in patronage money—and that’s just since January 2014!
We think it’s important to manage your cooperative in a way that
we will be here for generations and generations. Thank you for supporting us in those efforts.
PS—Don’t miss seeing results for our board and nominating
committee elections on the back page. They’re the people who will
be leading your association into the future!
volume 19 | ISSUE 2 | mafc.com | 3
FARM AND LAND
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Daryl Hilsher and his son Andrew work together
to ensure healthy chicks. The entire Longenecker
Farm and Land
team prides itself on building and maintaining solid
relationships with customers.
Andrew Hilsher, who is studying agribusiness management at Penn State
University, has gained hands-on experience in all facets of hatching chicks
while working with his family at Longenecker’s Hatchery. Andrew is especially
interested in learning about the breeder aspect of the hatchery industry.
Longenecker’s Hatchery
meets generational challenges
story and photos by Sally Scholle
| One-hundred years ago, nearly every farm kept an assortment of livestock, including
chickens, that provided both eggs and meat. Although some farmers hatched chicks on the farm, it was more
common to purchase day-old chicks from a hatchery.
When Clayton Longenecker was raising
chickens in his Lancaster County hatchery in 1919, nearly every rural town had
a hatchery. Clayton’s two-story chicken
house was typical for the time: breeder
hens were kept on the top floor and their
fertile eggs were transferred downstairs
to incubators. Chicks were hatched in
spring and summer because there was
no way to efficiently transport and start
young birds in cold weather.
Clayton’s son, John, took over the
family hatchery in the 1940s. At that
time, laying birds were often used for
meat because there wasn’t a distinction
between the two types.
In the 1960s, chickens were still being
raised on open pasture with shelters; the
early version of free-range chickens. That
changed when Longenecker’s began the
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| volume 19 | ISSUE 2 | mafc.com
construction of broiler houses. During this
time, John Martin joined the company and
began to develop the breeder program as
it is today.
“John Longenecker was a hatchery
man,” said John. “He liked working in the
hatchery, and he was very good at it. During
the 1950s and 1960s, we sold broilers and
commercial layers as day-old chicks or started
pullets. That continued through 1979.”
As poultry production expanded,
specialized housing for poultry was
developed. At the same time, diseases
emerged, including a highly virulent
form of avian influenza. “That affected
how the company evolved,” said Mark
Martin, John Martin’s son and technical
advisor for the company.
The disease devastated the industry
and Longenecker’s lost about 50 percent
of their breeders. A vaccine was developed,
but it wasn’t available for broilers. Since the
goal was to eradicate the disease, poultry producers were quarantined and all
infected birds were destroyed.
“It was a huge challenge to follow all
of the quarantine guidelines and supply
our customers,” said John, who explained
that Longenecker’s contracted with
Georgia producers to maintain a supply
of hatching eggs. “The plants still needed
broilers, and we were fortunate to be able
to keep our main customers going.”
Throughout the 1960s and 1970s,
the poultry industry underwent many
changes, including flocks being challenged by disease and the subsequent
development of vaccines to control those
diseases. Most small hatcheries didn’t
survive, but Longenecker’s did. Vertical
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Several families and generations have overcome numerous challenges in the
poultry industry, and today, they continue to manage Longenecker Hatchery as
a successful business. Top row, from left: Andrew Hilsher, Mark Martin, Daryl Hilsher
and Steve Hilsher. Seated, from left: John Brubaker, Don Hilsher and John Martin.
To ensure that customers receive healthy birds, day-old chicks are
carefully transported to farms in climate-controlled trucks.
integration, a system that allows farmers
to raise birds for a profit while taking out
some of the risk of enduring poor years,
was also developed during this time.
“When the broiler industry was
profitable, there was expansion,” said
John, explaining the driving force behind
integration. “Farmers could go through
good times, but there were also down
times. Processing plants needed chickens,
and if farmers couldn’t afford to purchase
the feed necessary to grow the birds and
stay in business, how would a supply for
processing be maintained? With integration, larger companies assumed the
ownership of the birds and paid farmers
to raise them. It saved a lot of farms.”
In the 1960s, Donald Hilsher
and John Brubaker married into the
Longenecker family, and today, along
with John Martin, remain at the helm of
the multi-generational family business.
Donald’s sons Daryl and Steve, along with
John’s son Mark, also joined the company
and play a key role in management.
Although improved technology
made the hatchery more profitable, John
says that the 1980s were challenging.
“Breeder feed costs due to the price of
corn and soybeans were high,” he said. “At
the same time, interest rates were high.”
One of Longenecker’s major customers
went bankrupt, which forced the family to
develop other markets, including sales of
broiler chicks to Canada.
Because of the leadership team
and multigenerational determination to
persist, Longenecker Hatchery survived
these challenges. Today, Longenecker’s is
one of the largest independent hatcheries
in the country. Daryl’s son Andrew, who is
currently studying agribusiness management at Penn State, is the fifth generation to
become involved in the business. Andrew
spends a lot of time at the hatchery and is
learning every facet of the business.
“To a lot of multi-generational
businesses, it may look like one long
tenure of bliss,” said Daryl, reflecting on
the changes the company has undergone. “Coming through some of these
rough periods, we wondered whether we
should continue. Where is the future of
this business if we don’t have control of
our own breeders and disease issues, and
will our customers survive?”
Longenecker’s Hatchery has always
been forward-thinking and planning for
the future. Financing from Farm Credit
has helped with the purchase of new,
state-of-the art incubators. The addition
of a second hatchery in 2002 brought
new customers and 20 additional
breeder houses to supply fertile eggs.
As a long-time customer of Farm Credit,
Longenecker’s Hatchery has enjoyed
the patronage benefit, which distributes
profits to member-shareholders.
“What we’re doing today is
what the family did generations ago,”
said Daryl. “Provide our customers, who
are independent, generationally-raised,
and local with our best product, which is
a quality chick.”
Mark echoes Daryl’s thoughts on
the importance of customer service
along with highly qualified leadership.
“The focus at Longenecker’s Hatchery
has always been on our customers and
the people in the companies that we’re
working with, as well as the chickens,”
said Mark. “We’ve always had people who
are knowledgeable about poultry and
who work well with customers.”
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volume 19 | ISSUE 2 | mafc.com | 5
FARM AND LAND
Five generations of farmers
and one more in the making
| Jason Crum’s family has been farming in Frederick County, Maryland
since 1891, when his great, great grandfather, Solomon, purchased the original farm. The first generations to
farm primarily raised heifers and crops, but Jason’s grandfather, Jack Crum, a former Farm Credit Director,
switched the operation’s focus to dairy farming.
Story by Susan Walker; Photos by Susan Walker and Mary Crum
Today, Jason and his parents, David and
Barbara, continue to follow that path. His
parents milk 110 cows and grow corn,
soybeans, wheat, barley, and alfalfa on the
300-acre farm where Jason, his brother
and sister grew up. And the operation
is growing. Jason and his wife, Mary,
recently purchased a 135-acre farm near
his parents. The plan is for Jason and
Mary’s farm to be a calf and heifer operation once Jason builds the new calf barn.
They will also farm corn, hay and wheat,
since 110 acres of their new farm is tillable.
Though Jason has always worked
on his parents’ farm in some capacity, he
also runs his own construction business.
While he enjoys the work, he says he
prefers farming. “In my construction
business, I’m working for the customer,”
Jason explains. “When I’m farming, I’m
working for myself. I prefer the independence that farming gives me.”
While the farm has always been a
big part of Jason’s life, his wife Mary does
not come from a farming background.
The two met when they were both in
a wedding, but they didn’t hit it off at
that time. “We actually got together a
few years after that and now we’ve been
married for 11 years,” adds Mary. “When
we were first dating, I used to beg Jason
to let me feed the cows. I loved it! Now
I feed them in the afternoons when I
get home from my job as a vocational
coordinator for developmentally
disabled adults.”
Jason and Mary both feel strongly
about raising their two children, 9-yearold Tristen and 4-year-old Liliana, on the
farm. Both children help their parents
with farm work, feeding calves and doing
other tasks. “The farm is the best place to
raise a child,” Jason says. “You learn that
you need to work for what you have and
not to be afraid of hard work.”
Tristen has an especially strong
passion for farming. He even runs the
skidloader, and according to his mother,
she can’t tell if it’s Tristen or Jason at the
wheel. “I was trying to get him to join a
soccer team, but he was adamant that the
Jason and Mary’s (left) family has had a long
relationship with Farm Credit and loan officer
Mary Jane Roop (far right).
Every day after work as a vocational
coordinator, Mary heads to the barn
and feeds the cows and calves.
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farm was where he preferred to be,” says
Mary. “He said, ‘Mom, if no one’s working
on the farm, where will everyone get the
milk for cheese and the grain for cereal?’
Even when he was very young, he would
be watching Jason and his grandfather
working in the field, then go get the exact
toy version of the equipment they were
using and ‘farm’ in the living room. He
even wrapped his little plastic hay bales in
toilet paper when they were baling hay.”
Working with their Farm Credit
loan officer Mary Jane Roop, Jason and
Mary got part of the money needed to
purchase their new farm through the
Frederick County Critical Farms Program.
Started in 1994, the program is part of
a larger agricultural preservation effort.
The program lends full-time farmers
up-front capital to purchase farmland. In
return, the borrower grants the county an
need around the farm without straining
their budget.
“Jason and Mary are both such hardworking young people,” adds Mary Jane
Roop. “They work at their jobs off the farm,
work on the farm and are putting a lot of
sweat equity into their new farm. They’re
also active with the Farm Bureau’s Young
Farmers programs and the Maryland and
Virginia Milk Producers’ Young Co-op
Members program. I’ve worked with them
for 10 years and it’s really exciting to see
the Critical Farms Program help them get
their new operation started.”
“When I came back to farming
from working construction, I went back
knowing you have to do hard work and
not have things handed to you. That’s
been true through every generation and
it’s one of the main reasons I choose to
farm,” says Jason.
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Liliana helps care for the calves, but one
of her favorite activities is playing with the
family’s border collie puppies.
In addition to bottle-feeding calves,
Tristen also helps his grandfather bale
and stack hay.
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Tristen took 4th place in the Holstein
spring and winter calf category at the
2013 Great Frederick Fair.
easement on their property and the land
is put into agricultural preservation. “The
Critical Farms Program made buying our
farm affordable,” notes Jason. “Without it,
that land would have gone to a builder
and been covered with houses.”
Jason and his family have had a long
relationship with Farm Credit. In addition
to his grandfather serving as director
and lobbying in Annapolis on behalf of
farmers in that role, Jason got his first loan
from Farm Credit to buy a truck when
he was just 15. “My grandfather told me
about the program and even though I
had the cash to buy the truck outright,
he said it was smarter to get the loan and
pay it back to build my credit,” says Jason.
“He was right and I’m glad I followed
his advice.” As members of Farm Credit,
the family also says that their patronage
payments help them pay for things they
volume 19 | ISSUE 2 | mafc.com | 7
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FARM AND LAND
Fawnwood Farms:
Where Dairying is a Family Matter
| How many generations can find happiness on one farm? At Tom and Alice Mason’s
Fawnwood Farm in Chestertown, Maryland, the answer is at least five. Purchased by Alice’s grandmother and
farmed by her father, the 150-acre farm is also home to Tom and Alice’s son, Andy, and his wife, Valerie. A spring
baby will bring the fifth generation to the farm.
story and photos by nancy l. smith
Each generation has added ideas and
improvements to create a successful
enterprise. Tom, a former Extension agent,
began milking cows in 1977. The family now
milks 360 cows twice a day. Although Alice’s
father was a dairyman, he quit farming
before Tom and Alice began, so they had to
build their operation from scratch.
“We traded bull semen for our first
heifers,” Tom remembers. He credits Farm
Credit with taking a chance on young
farmers. “When we started, we had jobs
but no money, no equipment. I wanted
to buy a Massey Ferguson 1100 tractor
for $5,000, but no one would loan us the
money. Farm Credit took a chance on us.”
Tom wanted to expand the
enterprise, but Alice’s father had doubts.
“We were building a 20-by-80 foot silo
and my father-in-law said ‘You don’t need
it that big.’ He thought we would never
grow enough corn to fill it,” Tom recalls.
“Now we fill five bunkers many times what
that silo held.”
Those bunkers save money, Tom
explains. “We don’t sell extra corn, just
save it. In the last dry year, we still had
20,000 bushels [saved from the previous
harvest] and didn’t have to buy $8 corn.
When I was an Extension agent, we always
told farmers to buy feed. I think that’s
wrong. You should buy land any way you
can and grow your own feed.”
Andy is bringing more new ideas to
the farm. “We do a lot of genomic testing,”
he says. “Our first bull in AI will be released
in May.” Careful breeding is paying off.
One of the farm’s cows recently ranked 20th
in the national Jersey Performance Index.
Tom acknowledges it can be tough
to share decision making on the farm.
“It’s not easy to let go,” he says, “You know
you will have to. You know the younger
generation has knowledge, but that
doesn’t make it any easier. The question is
—at what point do you give up control?”
The family built a new barn and
milking parlor for 320 cows with Farm Credit
loans in 2011 and 2012. The barn features a
manure flush system that recycles water and
reclaims sand for bedding.
Valerie says the new fans and
sprinkler system increase cow comfort.
Tom notes that “before, when it got hot,
Alice, Tom, Andy, and Valerie with a 10-day-old Jersey heifer calf.
Farm and Land
Tom credits Farm Credit with the farm’s success. “Without them I
would not have been able to do any of it.”
The latest technology shines in the new milking parlor.
Four full-time employees help the Mason family milk
360 cows twice a day.
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evescheese.com
the cows all jammed together for some
reason. Now the cows act like it’s any
other day when it’s 90 degrees.”
Andy says the new facility makes
the herd easier to manage and allows
more cows to be milked. “There has
been a vast improvement in the
somatic cell count and improvement
in milk production,” he says, crediting
better stalls, more room and improved
cow comfort.
Tom says the farm is earning a
consistent quality premium for its milk
because of the low somatic cell count
and low preincubation count. “We have
gotten the premium for the last 18
months. We had gotten it before, but not
consistently,” he says.
The quality premiums generally do
not go to luxuries. “I give them to Sharon
[Redding, the Mason’s loan officer] to
pay off the loan earlier. You don’t miss it
because it’s money you never had.” Tom
does the same with patronage checks he
receives from Farm Credit. “It is certainly
welcome when the check comes and a
lot of times, I put it on the principal of
the loan.”
He adds that patronage payments
are “certainly the deciding factor in
whether to deal with a bank or Farm
Credit. If you are a farmer, I don’t know
why you wouldn’t use Farm Credit; they
give patronage and have been consistent
in giving patronage.”
Loan Officer Sharon praises the
Mason’s business. “They definitely run
a very profitable, efficient operation.
Their information is accurate. They are
very aware of their operation and what
it can do and can yield. It makes my job
a lot easier.”
In 2001, the Masons and another
couple started Eve’s Cheese, “an udderly
delicious Kent County family farm
product” named after an award-winning
4-H project Jersey cow. “When we
started, raw milk cheeses could not be
made in Maryland, so we took milk to an
Amish man in Kirkwood, Pennsylvania
who handcrafted the cheese for us,” Alice
explains. The same cheesemaker still
produces the cheese.
The first cheese shipment was
700 pounds and Alice worried they
could not sell it all, but the cheese sold
out at farmers’ markets. “Last year, we
sold 12,000 pounds of cheese, mostly at
farmers markets, farm stands and some
stores,” Alice explains. “Farm stands on
the way to the beach call and want to
carry the cheese.”
With expansion plans in the works,
Tom reflects on the new building,
consistently high milk quality and cheese
business, thinking back to how it was
all started. “I wonder what my fatherin-law would think of all this. He would
probably be fine with it all.”
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Andy and Valerie in front of the new Farm Credit-financed milking facility and
barn. The pair met at Cornell University while studying animal science. Andy’s
twin sister, Katie, is a loan officer for AgChoice Farm Credit in York, Pennsylvania.
A Jersey cow with ear tag and an RFID button enjoys the
Mason’s new barn, which was designed to be expanded in
the future. “I want to keep growing the business,” says Andy.
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volume 19 | ISSUE 2 | mafc.com | 9
FARM AND LAND
Cave Ridge Vineyard expands
to keep up with demand and provide for generations to come!
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Sustainable farming practices are a must at Cave Ridge Vineyard. The Phillips’
love for the land, love for their customers, and love for what they do shows
through in each and every bottle of wine they seal the top on.
story and photos by Jennifer
The wine making process is not a quick one. Randy is
careful not to rush any of his wine because reaching
that optimum taste is what it is all about for him and
keeps his customers coming back for more.
Showalter | Growing up working in the orange groves of Florida, Randy Phillips never dreamed he
would one day be running a vineyard, let alone be a master winemaker. After attending Emory University where he met
his wife, Karen, Randy served in the army. He then went on to the University of Montana and earned a degree in forestry.
Randy became a forest fire fighter and
later managed a large cattle ranch in
California. He and his family then moved
back east to North Carolina, where he
managed all of the state’s natural forests.
Never afraid to push forward, Randy and
his family packed up again and moved
to the Washington, D.C. area, where he
oversaw legislative policies for the U.S.
Forest Service. Desperately missing the
outdoor lifestyle, Randy took early retirement and searched for three years for
a farm where he could possibly start
a vineyard.
In 2000, Randy, Karen, and their two
daughters, Megan, who is now 30, and
Erin, who is now 26, settled on their new
31-acre farm in Mount Jackson, Virginia.
With the Shenandoah Valley having
some of the best soils and climate east
of the Mississippi for grape production,
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Randy felt the farm was ideal for the next
adventure he wanted to tread into.
Randy and Karen had no idea what
was coming their way. In just 14 years,
Cave Ridge Vineyard has developed step
by step into a successful business that has
the potential to provide for generations to
come. Today, Cave Ridge Vineyard consists
of about 43 acres. Of this area, the vineyard covers 14 acres with around 14,000
red and white grape vines.
Randy, who still runs a consulting
company and serves as chairman of the
Virginia Wine Distribution Company,
relies on family members and employees to help him manage the vineyard,
winery, and tasting room. Karen is a fulltime teacher, but helps out every chance
she gets. Megan handles the finances
and serves as the general manager of
Cave Ridge Vineyard. Megan’s oldest
daughter is nine and is already right in
the mist of things helping out in the
vineyard. Erin and her fiancé have interests in the business, but are pursuing
their own career paths at this point in
their lives. In addition to family, Randy
relies on a tasting room manager, two
vineyard workers, and part-time help.
Randy is putting all that he can into
making a strong business his kids and
grandkids can take off and run with, if
they choose to. Being a customer of Farm
Credit, Randy appreciates the confidence
Farm Credit has shown him through his
growth process. Set to make this adventure all it can be, he even reinvests all of
his patronage funds back into the business. “Everything we make off this business right now is being reinvested back
into the business. It is the kids’ decision to
do what they want with it. All I can do is
caveridge.com
facebook.com/caveridgevineyards
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Randy and his daughter, Megan, enjoy the
time they spend working to better Cave
Ridge. Tackling the adventure as a family
makes the business more meaningful.
Wine Club members get discounts on all bottles
purchased, pre-release offerings of new wines,
free tastings, and access to members-only events
such as barrel tastings and new release parties.
With many customers having an interest in the
story behind what all happens from the vine to
the bottle, the events at Cave Ridge Vineyard
are intended to be educational yet still relaxing.
build the business and it’s their decision
to carry it on. Farming is 24/7, but there is
still a lot of fun in this, too. A lot of people
look at a winery and have a vision of the
lifestyle, but don’t have any idea how
much work is involved,” says Randy.
Cave Ridge Vineyard is intensively
managed. Randy figures his vines are
touched at least eight times a year. He and
his employees promote sustainability, too.
Everything that is harvested or cut in the
vineyard is composted and put back on
the vineyard to restore the nitrogen levels
with minimal use of artificial nitrogen
sources. Fungicides are sprayed 10 to 12
times during the growing season, and
the vines are hedged three times a year.
This process was mechanized last year to
save on time and labor. This year, another
machine was purchased to pull leaves
around grape clusters to allow sufficient
sunlight to reach the grapes.
Harvest typically begins around
September 20 and continues through the
first week in October. A different variety
is harvested each week depending on
maturity. The grapes are processed the
same day they are harvested. Last year,
80,000 pounds of grapes were harvested
at Cave Ridge Vineyard. Once the first
killing frost arrives, the two vineyard
workers spend the rest of the winter
pruning and tying up vines. As soon as
spring rolls back around, the growth
process starts all over again.
In 2004, Randy’s self-taught wine
making skills came to light as he bottled
around 500 cases of Cave Ridge Vineyard’s
wine. “My minor in chemistry has helped.
There is more art to wine making than
science, but there most certainly is a
blending of the two. I have had batches
that didn’t work, but I turned them into
something else that did work,” says Randy.
With demand climbing, Randy
hopes to bottle 6,000 cases of wine
in 2014 and can see himself reaching
10,000 cases in the near future. Of the
white, red, and blended wines sold at
Cave Ridge Vineyard, ninety percent are
estate wines. Randy purchases some
grapes from local vineyards and is working on leasing another vineyard to help
fill orders. Randy also contracts grapes
out to five different custom crush clients.
Randy’s winemaking skills have
earned Cave Ridge Vineyard numerous
medals over the years, but more importantly, a loyal customer base. Summer
concerts every Friday night, two to three
wine dinners catered by Cave Ridge
Vineyard’s own personal chef, and a
number of other events throughout the
year draw crowds to the vineyard. Many of
these guests are Cave Ridge Vineyard Wine
Club members. In the future, guests will
have the opportunity to lodge at the vineyard in a bed and breakfast type setting.
Randy may have never dreamed
he would have done half the stuff he has
done in his lifetime, but he has always
had a vision. “You have to have a vision,
but be willing to change it. I have always
felt it is best to cram as much into life as
possible,” says Randy.
l
volume 19 | ISSUE 2 | mafc.com | 11
OUR ASSOCIATION
s
2014 SCHOLARSHIP WINNERS
s
Morgan Alexander
In high school, Morgan found a
passion and a love for children in her
school’s mentoring program, where
she assisted a kindergarten class. She
knew right then that she wanted to
go into elementary education. Once in
college, she followed the suggestion of
the Dean of Education and is majoring
in human development, which will
give her a broad base of knowledge to
get her master’s degree in elementary
education. At that point, she says, she
will be able to follow her passion and
work with children.
Morgan is a
freshman at
Virginia Tech,
and is the
daughter of
Chuck and
Linda
Alexander
of Berryville,
Virginia.
s
s
Nicholas DeGrange
The son of Richard and Teresa DeGrange
of Hagerstown, Maryland, Nicholas is a
high school senior who plans to study
mechanical engineering. His interest
started when he was a very young boy,
helping his father repair tractors and
combines. As he grew up, he realized that
applied mechanics and more effective
engineering would result in improved
technology and practical application in
the field—which is how he settled on
mechanical engineering. Nicholas’ strong
math and physics skills are supplemented
by a strong creative streak—he is a skilled
musician who
has written and
produced music, as
well as a talented
dancer who
teaches hip hop to
underprivileged
children.
12
Allyson Balmer
Allyson is the daughter of a dairy
farmer, and it was in the barn where
she found her passion—working
with cows. She plans on pursuing this
passion at Delaware Valley College next
year, with a major in dairy science and
a minor in agriculture education. Her
ultimate goal, she says, is either to own
her own dairy farm, or teach ag at her
current high school. “My ag teachers
have taught me so much about
agriculture that I would really like to
help other students in the future, just
like me, find their niche in agriculture.”
Allyson is the
daughter of
R. Bryan and
Tammy Balmer,
of Manheim,
Pennsylvania.
| volume 19 | issue 2 | mafc.com
Amber Donoway
One of Amber’s teachers described her
as determined, compassionate, and
dependable. Her scholarship application
proved to us that she was all of those
things. She is a high school senior with
a perfect 5.0 average—a sure sign of
determination. She plans to further her
studies in nursing, and would eventually
like to work in an emergency room—an
excellent outlet for her great compassion.
To prepare for that role, Amber is currently
volunteering at Atlantic General Hospital
and the Newark Fire Department Ladies
Auxiliary. Amber
is the daughter
of Michael and
Nancy Donoway
of Newark,
Maryland.
s
Joshua Brubaker
The son of Michael and Lisa Brubaker
of Mount Joy, Pennsylvania, Joshua
hopes to come back to his family
farm after graduating from college
with a degree in agricultural business
from Penn State. Joshua said he
loves the values and life experiences
of being a farmer: “I enjoy watching
the growth of calves from the time
they are born until the time they are
first milked…Seeing crops grow from
just a seed to a mature plant ready
for harvest brings me a complete
feeling.” Joshua is a high school
senior.
s
Daniel Gordy
Daniel grew up on a farm where
hunting, fishing, and respect for
nature and wildlife were very
important. Daniel will make those
values central as he prepares for
a career with the Department
of Natural Resources as a Game
Warden. He is currently a sophomore
at Lynchburg College, majoring
in criminology, with a minor in
environmental science. He is the son
of Chuck and Lisa Gordy of Snow Hill,
Maryland.
s
Jared Harshman
The son of Pam and Jeff Harshman of
Frederick, Maryland, Jared is a young
man with a plan. Still a high school
senior, Jared is already working on a
business plan for his post-collegiate
life. His plan, he says, is to merge two
of his loves—welding (he is already a
certified welder) and running a hog
seed stock operation. He is preparing
for that goal by having a small herd
of pigs today that he sells to local 4-H
youth. He plans to attend college with
a major in animal science and a minor
in agricultural business.
s
Megan Miller
Megan is a junior at Eastern University,
studying athletic training and physical
therapy. When she began college, she
knew that she was interested in the
field of medicine, but a meeting with
the school’s biokinetics department
convinced her that physical therapy—
helping to alleviate physical pain for a
wide variety of people—was where her
true calling was. After graduating from
Eastern University, Megan plans on
attending school for physical therapy.
Megan is the daughter of Gregory
and Tamara Miller of Strasburg,
Pennsylvania.
s
Claire Linton
From a young age, Claire has seen the
impact that strong nursing care can have
on an individual. Not only has her mother
been a registered nurse for more than
25 years, Claire herself was diagnosed
with a medical condition at age five
which has shown her what a difference
compassionate nursing can make. Claire
plans to be a nurse anesthetist, managing
a patient’s heart rate, blood pressure, and
airway. Claire is the daughter of Richard
and Kimberly Linton of Martinsburg, West
Virginia, and the twin sister of Lauren
(featured right).
s
Mariah Purtee
Mariah has big goals for her education:
she plans to use it to “bring excellence
to those around me, to provide a
positive and supportive environment,
as well as create an atmosphere of
achievement.” She plans to achieve
those goals as a physical therapist,
working with athletes to overcome
physical injuries. Mariah found her
passion in this field after she injured
her shoulder while on the track and
field team at her school. Mariah is the
daughter of Ken and Shirley Purtee, of
Union Bridge, Maryland.
s
Lauren Linton
Lauren is the daughter of Richard
and Kimberly Linton of Martinsburg,
West Virginia, and the twin sister
of Claire. Lauren plans to join her
love of children with her passion
for nursing, and become a pediatric
nurse practitioner. After college, she
plans to obtain a master’s degree in
nursing, or a doctorate of nursing
practice (DNP). “I cannot wait to get
up and go to work every day and
enjoy the profession I have chosen. It
will make it worthwhile every day to
go to work and help a child in need,”
she says in her
application.
Lauren is a high
school senior.
s
Jonah Vincent
At age 10, when many of his peers were
playing video games, Jonah was making
tomato boxes on his family’s produce
farm. Over the years, he graduated
to packaging watermelons, driving
the forklift, and serving customers.
During this time, he found his passion:
agriculture. Jonah hopes to attend
Clemson University in the fall, majoring
in ag business. After graduation, his
goal is to return to the family farm,
and increase production through
technology such as hydroponics. His
parents are Raymond and Theresa
Vincent of Laurel, Delaware.
volume 19 | issue 2 | mafc.com | 13
OUR ASSOCIATION
2014 Annual meetings
Salisbury,
Maryland
14
| volume 19 | issue 2 | mafc.com
Dover,
Delaware
New Holland,
Pennsylvania
Ga
er
W
tor inn
Congratulations to Jonas S. King
of Quarryville, Pennsylvania for winning
our 2014 John Deere Gator Giveaway!
Walkersville,
Maryland
Winchester,
Virginia
Salisbury
1Wayne Lambertson presents director Lingan Spicer with
his board retiree gift.
2Marketing intern, Meaghan Malinowski, and loan officer,
Zach Evans, greet members outside of the Civic Center.
3Evening speaker Greg Risberg talks to director Paul
Rock before the meeting begins.
4Scholarship winner Amber Donoway was also the lucky
winner of the door prize flowers!
Dover
1Director Walt Hopkins presents Jonah Vincent with his
scholarship check.
2 Loan officer Paul Shipper talks with members prior to
the beginning of the dinner.
3 From left, Delaware Secretary of Agriculture Ed Kee,
Board Chairman Fred West and CEO Bob Frazee are
proud of the $36.5 million in patronage distributed to
stockholders in 2013.
4 Christy Gustafson Brown won the beautiful flower
arrangement, one of four door prizes at our meetings.
New Holland
1 The tables are set up and ready for the 500+ guests to
arrive at the meeting.
2Emcee of the evening and director Dale Hershey poses
with our scholarship winners. From left to right, the
winners are Allyson Balmer, Joshua Brubaker and Megan
Miller.
3 CEO Bob Frazee discusses the changing world
population during his remarks at the meeting.
4 A rack full of straw hats can be found outside of the
banquet hall during the meeting.
Walkersville
1 The buffet lines are set and awaiting guests.
2Emcee of the evening and director Gary Grossnickle
presents a scholarship check to Mariah Purtee.
3Nona Schwartzbeck and her granddaughter, Aubrey,
were the winners of the beautiful handmade Amish quilt.
4Speaker for the evening, Rob Culberson entertains the
crowd with stories full of laughter!
Winchester
1 T. Jeff Jennings, one of our directors, served as the
emcee of the Winchester meeting.
2 From left, scholarship winners Lauren Linton, Claire
Linton and Nicholas DeGrange receive checks from
director T. Jeff Jennings.
3 Paula Myer was the winner of the beautiful quilt.
4Staff members (from left) Betsy Brumback, Cheryl
Keesecker and Karen Swecker hand out oven mitts to
guests leaving the annual meeting.
volume 19 | issue 2 | mafc.com | 15
OUR ASSOCIATION
It pays to be a member of Farm Credit!
One of the most important financial benefits of being a member-borrower of Farm
Credit is having the opportunity to share in the association’s profits. This year alone,
we’ve given our members over $36 million through our patronage program! Not sure
how it works? Here’s how we do it:
At the end of each fiscal year, Farm Credit determines its total income and
expenses. Income remaining after all expenses are deducted (the net income) can
then be distributed in accordance with the association’s bylaws.
The board of directors can elect to retain all of the net income to strengthen
the association’s capital position, or distribute some, or all, of the net income to
members by declaring a dividend on stock or declaring a patronage refund.
s
Still confused?
Visit mafc.com/patronageprogram.php to view a fun
video illustrating just how
patronage works.
So tell us!
How do YOU use your
patronage?
Send your stories to Jenny Kreisher
([email protected]) and you
could be featured in an upcoming
issue of the Leader!
PHOTO CONTEST:
Be a part of the 2015 Farm Credit Calendar!
16
| volume 19 | ISSUE 2 | mafc.com
Are you surrounded by beautiful landscapes? Is there an agricultural event coming up in your area? Snap a picture and submit it to
MAFC for a chance to be featured in our 2015 calendar!
If you don’t make it into the calendar, don’t worry! We may
feature your picture in an upcoming Leader issue, our annual
report, or on Facebook.
Contest rules and the submission form can be found at
mafc.com/photo-contest.php. The deadline to send in your
photos is August 16th. Good luck!
Centreville, Maryland
18.5 acres of privacy! Have your own hunting compound
right down the road from stores & restaurants. All 18.5
acres are wooded including a stream that runs straight
through the property. Perfect for wildlife enthusiasts!
$250,000.
Contact Tom Boeshore, Rosendale Realty, 410.758.0333.
Earleville, Maryland
Located in a rural upscale location, this 10-acre turn-key
equestrian property offers a “barn home”, Amish built
barn, riding ring, run-in sheds, multiple pastures, and
so much more. Ideal for boarding or breeding. Built and
developed by a true horse person, this property offers
an outstanding value. $489,000.
Contact Kristie Midash, L C Parker Real Estate,
410.275.8101.
Galena, Maryland
339 acre farm with six bedrooms. Federal period, brick
manor home. Substantial barns, pastures, guest house,
tenant house, pool, and pool house. Working farm with
250+ tillable acres, 70+ acres in woodland, streams, and
buildings. $3,600.000.
Contact Skipper Marquess, Exit Latham Realty,
410.924.3212.
EQUAL HOUSING
OPPORTUNITY
Church Hill, Maryland
35 acres, minutes from 3 Route 301! Includes 13-stall
barn, three pastures with run-ins, 1/2 mile race track, and
six acres of wooded trails. Property known locally to be
GREAT hunting, equipped with a fully stocked 1/2 acre
pond! House fully renovated in 2003 including HVAC,
roof, kitchen, drywall, and much more! $549,000.
Contact Megan Rosendale, Rosendale Realty,
410.758.0333.
Easton, Maryland
37 acre waterfront farm on the Wye River and Quarter
Cove. 2,000 ft. of shoreline, SDA in place. Awaiting your
dream home. $1,350,000.
Contact Jim Latham, Exit Latham Realty, 410.822.2152
Goldsboro, Maryland
Clarksville, Maryland
Equestrian gem on 20+ acres with indoor arena offering
7 stalls, meeting room with kitchen area and bath, not
and cold wash rack, plus covered equipment storage
area. Outdoor ring, too. Custom 6000+ sq. ft. home with
6 bedrooms and 5.5 baths. Pool, screened in-porch and
4 car garage with built-in dog house. $1,925,000.
Contact Laura-Lee Jones, Long and Foster Real Estate,
Inc., 410.480.3338.
Properties for sale
COMMUNITY
Elkton, Maryland
Gorgeous home with property that is an equestrian’s
dream! Over 10 acres of serenity, six-stall barn with tack
room, hay loft & 1/2 bath, four-stall barn, machine shed
& milk shed. Beautifully remodeled home includes two
masters, kitchen with granite counters, stainless appliances & whole house generator! Stunning! $585,000.
Contact Tabitha Bathgate, Integrity Real Estate,
443.553.9109.
Henderson, Maryland
Great price for a total of 76.31 acres. House is very well
built. 3,000+sqft with Corian counters, built-in China
cabinets, sunroom, huge basement, in-ground pool &
two-car garage. Includes a 4,500 sqft banquet room
with office & bathroom. Mix of woods, fields, lots of deer
and turkey, ponds, privacy. $499,500.
Very spacious rancher with a lot of privacy in a country
setting. Placed on 7.65 acres of open ground set-up for
horses. Includes 24’ x 30’ stall barn, 24’ x 24’ storage barn
with separate well and electric, and three pastures. Also
a huge workshop with two big bay doors, cement floor,
HVAC, well, office, and very nice lift. $249,500.
Contact Chris Rosendale, Rosendale Realty,
410.758.0333.
Contact Gretchen Wichlinski, Rosendale Realty,
410.758.0333.
EQUAL HOUSING
OPPORTUNITY
Need financing for any of these properties?
Call your local Farm Credit office.
All of the properties listed on these pages are offered for sale by local, licensed Realtors and Auctioneers. MidAtlantic Farm Credit is
REALTOR
®
not affiliated with these properties, nor are we responsible for content or typographical errors. Please call the Realtor or Auctioneer
listed for more information.
EQUAL HOUSING
OPPORTUNITY
EQUAL HOUSING
OPPORTUNITY
volume 19 | ISSUE 2 | mafc.com | 17
EQUAL HOUSING
REALTOR
®
OPPORTUNITY
EQUAL HOUSING
OPPORTUNITY
COMMUNITY
Hurlock, Maryland
Keedysville, Maryland
Substantial barn on 26+
rolling acres with streams,
woods and a building
site for future home.
Many possibilities with no
restrictions. $199,900.
Contact Traci Jordan,
Exit Latham Realty,
410.310.8606
Preston, Maryland
Preston, Maryland
Eight chicken houses! Two chicken farms, about 5
minutes driving time apart. One farm has four chicken
houses and a home on 22 acres. The other has four
chicken houses, an old home and a mobile on 38 acres.
Upgrades include 6” recirculation pads, controllers,
generators. Currently growing for Perdue. $2,150,000.
Nearly 12 acres for your enjoyment as a hobby farm,
livestock, grain or hunting farm. Fine practical home
with super-sized living room for your entertainment.
Two lots of record! No HOA, no restrictions and an
easy commute east to the ocean or west to the bay.
$230,000.
Contact Mickey Hayward, Sunset Properties,
410.479.9729.
Contact Deborah J. “Deb” Dawkins, Coldwell Banker
Chesapeake Real Estate Co., LLC., 410.822.9000.
Queenstown, Maryland
Substantial home on 9+ country acres with fenced
pastures, 40’ x 20’ barn, orchards, and gardens.
Stunning Victorian-style home with five bedrooms.
$656,000.
Contact Walt Trice, Exit Latham Realty, 410.463.0500.
Rising Sun, Maryland
It is all about location! And, this is location with
benefits! This traditional two-story sets on 19.79 acres
of beautiful farm land with a small grove of trees and
spring fed stream. Close to I-95, shopping and recreation. Act fast!
Contact Ann Jackson, Harlan C. Williams Co. REALTORS,
443.309.7318.
Upperco, Maryland
First time offered! 20 acres of privacy. Beautiful all brick rancher, 3 bedrooms, 2
full baths, family room, fireplace, formal dining room, hardwood floors, attached
garage, 30’ x 40’ detached building, potential for one additional home site. Long
road frontage near Arcadia. $675,000.
Contact Larry E. Haines, Haines Realty, 410.876.1616.
22.9 acres (meadow/woods/field),
two perc-approved sites. Borders
county road with panoramic
views. MARC train and municipal
localities nearby. Antietam National
Battlefield and Chestnut Grove Park
nearby. Livestock permitted. Make
this your private retreat! $227,900
Contact Frank Getz, Coldwell
Banker Innovations, 301.992.9652.
Queen Anne, Maryland
Quaint 13-acre poultry farm! Raise chickens in your own
backyard in the completely updated & functional poultry house! Original farm house completely updated.
Property beautifully maintained. Minutes away from
213/301. Great for investment $$! $380,000.
Contact Tammy Rosendale, Rosendale Realty,
410.758.0333.
Taneytown, Maryland
Lovely historic four-five bedroom stone colonial
overlooking your own large Koi pond with footbridge
on the most picturesque 19 acres in Carroll County.
This stone home has a sunny spacious solarium, a large
country kitchen, patio, front porch, and upper balcony.
Has workshop, stable and gazebo. Must see! $420,000.
Contact Karen Carroll, Haines Realty, 410.375.8898.
Vienna, Maryland
Ten+ acre
waterfront estate
with broad views
across Fishing Bay.
Stunning three
ensuite home with
great attention to
detail, stone hearth
fireplace, front
porch, and rear
screened porch.
$695,000.
Contact Becky Trice,
Exit Latham Realty,
410.463.0077.
Need financing for any of these properties? Call your local Farm Credit office.
18
| volume 19 | issue 2 | mafc.com
Equestrian farm on 14 acres with four-bedroom, 2,200
sq. ft. ranch style home. 67’ x 41’ concrete center-isle
barn with 11 stalls. Power, water & vented. Machinery
& bedding storage area. Three fenced pastures with
horse-safe high tension wire. Two run-ins, loafing area
& three dry lots. 10’ x 20’ wash area. Lighted 120’ x 200’
arena. $489,000.
Contact Gary Duckworth, RE/MAX Results, 240.285.5787.
Edinburg, Virginia
27.5 acres, mostly tillable farm land with large farm
house. Creek and spring on property. Great location,
easy access and road frontage. $339,000.
Contact Shirley French, Funkhouser Real Estate Group,
540.459.4002 or 540.325.4444.
Hamburg, Pennsylvania
28 Acres Certified Organic farm with remodeled
farmhouse, barn, four-car garage, two-car pavilion, and
two-bay workshop. Excellent for produce farming. Close
to major highways. $585,000.
Contact Wasyl Onulack, Jr., Century 21 Keim Realtors,
610.823.7850.
Middletown, Virginia
Four-levels of living space, 6 bedrooms, 3 1/2 bath, 6,375
sq. ft., situated on 9+ acres in Frederick County. Two
master suites: one on main & one upstairs with fireplace
and walk-out to balcony. Lots of storage in house and
in detached garage. In-laws suite/apartment above
garage (currently leased), basement. $699,000.
Contact Leah Clowser, Re/Max Roots, 540.955.4033.
Onancock, Virginia
Vaux Hall Manor circa 1710. Located 10 minutes
from the town of Onancock. The property consists
of 372+ acres, with 2+/- miles of water frontage
that leads to the Chesapeake Bay. The property
has three waterfront homes. The main home was
built in 1710, being renovated over the years for
comfort. $4,200,000.
Contact John Kluis, Coldwell Banker Harbour
Realty, 757.710.5249.
Orwigsburg, Pennsylvania
Sixty-five acre farm with extensive frontage on two
roads. Beautiful mix of fields and woods, with panoramic
views of Hawk Mountain Sanctuary. Completely
remodeled 1905 foursquare farmhouse. Build the estate
of your dreams and use the farmhouse as a caretaker’s
or in-laws house. Fantastic location and Blue Mountain
Schools. $739,000.
Contact Gary or Jonathan Coles, New Pennsylvania
Realty, Inc., 570.386.5000.
Middletown, Virginia
Properties for sale
Westminster/Taylorsville, Maryland
Rolling 35.96 acres with long frontage on state-maintained road near where I-81 meets I-66 in the gorgeous
Shenandoah Valley. Mostly wooded with small creek
meandering through the property. Quiet country
setting, yet convenient to interstates. Currently in landuse program for tax relief. $339,900.
Contact Robin Gochenour, Skyline Team Real Estate,
540.325.6837.
Winchester, Virginia
Room to stretch out! 99.8 acres of
wooded land just north of Winchester.
Nice custom-built ranch home and a cozy
cabin. Enjoy the wildlife and only minutes
to shopping. Call today for your private
showing! $599,900.
Contact Bonnie Sue Edwards, Re/Max
Team Realty, 540.323.2290
What puts
the life in
your lifestyle?
EQUAL HOUSING
OPPORTUNITY
EQUAL HOUSING
OPPORTUNITY
REALTOR
®
EQUAL HOUSING
OPPORTUNITY
If you have a dream to add more life to your lifestyle—
whether it’s a pond for your kids to enjoy, fencing to keep
your puppy safe and close to home, or even a brand new
farm that would give everyone a little more room—call
your local Farm Credit office. We want to be your lender
for life.
EQUAL HOUSING
OPPORTUNITY
888.339.3334
volume 19 | issue 2 | mafc.com | 19
mafc.com
EQUAL HOUSING
REALTOR
®
OPPORTUNITY
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PRSRT STD
U.S. POSTAGE
PAID
BALTIMORE MD
PERMIT NO. 7175
45 Aileron Court
Westminster MD 21157
MidAtlantic Farm Credit 2014 Election Results
board of directors (4 year terms of office)
2015 nominating committee (1 year terms of office)
Central Maryland Election Region
Ralph L. Robertson, Jr.
Central Maryland Election Region
David M. Crum and Michael R. Harrison, Sr.
Chesapeake Election Region
Douglas D. Scott
Chesapeake Election Region
Henry Covington, Jr. and Jennifer A. Debnam
Delaware Election Region
Fred N. West
Delaware Election Region
Scott R. Webb and Fred N. West III
Keystone Election Region
Brian L. Boyd
Keystone Election Region
Martin Moyer and Allen D. Balmer
Marva Election Region
No director positions open
Marva Election Region
Susan B. Arnold and Brian T. Johnson
Valley Election Region
No director positions open
Valley Election Region
Barry A. Foltz and Ward L. Zigler
Cooperative
lending at
its best.
While most businesses return their profits to outside
investors, MidAtlantic believes in the importance of
cooperative ownership. In other words, our members
are our investors, and they can share in our profits.
Call Farm Credit today to learn more about the benefits
of cooperative lending.
Farm Credit. Made for you. Owned by you. Here for you.
Lending support to rural America®
888.339.3334 | mafc.com |