Family Traditions

Transcription

Family Traditions

Leader
Farm Credit
Financing Rural America for More Than 90 Years
GENERATIONS
of success
FARMING
with your FOLKS
Family Traditions
volume 14 | issue 4 | $3.95
building for
the FUTURE
in this issue
Leader
farm | land
volume 14 | issue 4
4 All in the Family with
MidAtlantic Farm Credit, ACA
the Garbers of Virginia
6 Stadler Nurseries:
J. Robert Frazee, CEO
4
A Growing Business
For Three Generations
Fred R. Moore, Jr.
Chairman
8 Hetrickdale Farms:
Gary L. Grossnickle
Vice Chairman
Building A Family Farm
10 Delmarva Family Grows
Farm Traditions
home | garden
12 Smile and Say ‘TREES!’
6
your association
13 Annual Meeting
Announcement
13 Calling All Scholars
14 2010 Calendar Winners
14 Out and About: County Fairs
MidAtlantic Farm Credit
Board of Directors
Paul D. Baumgardner
Kenneth R. Biederman
Deborah A. Benner
Gary W. Bushong
Dale R. Hershey
Walter C. Hopkins
T. Jeffery Jennings
Harry M. Kable
M. Wayne Lambertson
Jim A. Long
Kenneth S. Meck
Dale J. Ockels
Jennifer L. Rhodes
Dudley H. Rinker
Ralph L. Robertson, Jr.
Paul J. Rock
Lingan T. Spicer
Robert N. Stabler
Christopher R. Stiles
Rodger L. Wagner
Fred N. West
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Questions or Ideas
If you have any questions or ideas for the
editorial staff of the Leader, contact Donna
Dawson at 800.333.7950, e-mail her at
[email protected] or write her at MidAtlantic
Farm Credit, 680 Robert Fulton Highway,
Quarryville, PA 17566. This publication is for
you, our reader. We’d love to hear from you!
and Ag Events
community
16 Cute Kids
17 Properties for Sale
The Leader is published quarterly
for stockholders, friends and
business associates.
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2
12
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:
Jay Wise, 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:
P.O. Box 770, Westminster, MD 21158-0770
events | deadlines
DEC event
place
6-9 Maryland Farm Bureau
Annual Convention
Ocean City MD
4-25 Christmas
2
MAFC offices closed
JAN event
place
1 New Year’s Day
MAFC offices closed
5-7 Keystone Farm Show
York PA
6-7 Eastern Shore of Virginia
Ag Conference
6-8 MANTS
(Maryland Nursery
and Trade Show)
Melfa VA
Baltimore MD
18 Martin Luther King Jr. Day
MAFC office closed
9-16 Pennsylvania
Farm Show
message from the president
Harrisburg PA
18-23 Delaware Ag Week
19-21 Virginia Farm Show
Fisherville VA
1-22 Pennsylvania Christmas
2
Tree Grower Association
Winter Meeting
Grantville PA
1-24 Maryland Horse
2
World Expo
As the calendar continues to march
towards the end of the year, there are
a lot of things that come to mind: the
holidays, of course, and the food and
music and family gatherings that come
with them.
As much as I love the food and music,
the most enjoyable thing for me at this
time of year is always family. I appreciate
the wonderful family that I have—and that
family includes my genetic family, as well
as my extended Farm Credit family—but
it always seems like I feel extra grateful at
this time of year.
That’s why in this issue of the Leader,
we’ve focused on farm families, and the
generations of people who have made
them work. As you read the articles, you’ll
see that each operation is as different as
every family is different. You’ll read about
the Garbers in New Market, Virginia, who
wanted to work with each other, not for
each other. You’ll also learn more about
Stadler Nurseries in Laytonsville, Maryland,
who have grown their business (and their
family) since their ancestor Paul Stadler
immigrated from Switzerland in 1932.
It’s wasn’t easy to be an immigrant
in the 1930’s, and it isn’t easy to be a
dairyman today. Yet Hetrickdale Farms in
Bernville, Pennsylvania, doesn’t focus on
the difficulties—they focus on the fact that
they’re doing what they love. Finally, you’ll
31 Deadline:
Sales closing for AGR policies
read about the Drew family in Bishopville,
Maryland. They love their granddaughter
so much that they’ve named their farm
after her—I think you’ll enjoy learning
about their plans for the future and for the
future of Autumn’s Farm.
Speaking of the future, there are two
future events that I don’t want you to
miss. The first is our yearly scholarship
contest: the deadline this year is January
22. You can see more details about the
program in any of our offices, or on our
website at mafc.com.
Don’t miss our annual stockholder
meetings this year, either. We’ve
published the dates on page 13…mark
your calendar now so you don’t have
any excuses for missing them! It’s one of
the few times in the year I get to see my
extended Farm Credit family…it might not
be a holiday, but it’s almost just as good.
I hope that you and your family have a
safe and happy holiday season. I hope that
you will take the time to reflect on what is
really important in your life, even during
this busy time.
Best wishes for a prosperous 2010!
FEB event
3-4 Pennsylvania
Dairy Summit place
Lancaster PA
5-7 Pennsylvania Junior
Holstein Convention Washington PA
15 President’s Day
MAFC office closed
15 Deadline:
Sales closing for green peas
16-17 Women in Ag Conference
Dover DE
23 Turfgrass Conference
and Tradeshow
Virginia Beach VA
5-27 Pennsylvania Holstein
2
Convention
Washington PA
5-28 Pennsylvania Horse
2
World Expo
Harrisburg PA
26-28 Virginia Wine Expo
Richmond VA
26-28 Better Living Expo
and Craft Show
Salisbury MD
MAR event
place
11 Young Farmer Institute Staunton VA
12 Forum for Rural
Innovation
Winchester VA
15 Deadline: Sales closing for corn, soybeans, AGR lite, etc
Bob Frazee
President, MidAtlantic Farm Credit
For a complete list of fairs and events,
visit our website at mafc.com
volume 14 | issue 4 | mafc.com
Family First
Timonium MD
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Three
generations
of the Garber family
(from left, back row)
Ed, Charlie, Marti,
and Linda; (front
row) Cliff and Clay.
Ed and Linda live
in one house on
the farm, while
their son Charlie
and his family live
in another.
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ALL IN THE FAMILY
story and photos by MICHELE WOJCIECHOWSKI
In 1775, a man named John Garber, who would
eventually found the Flat Rock Church of the Brethren,
became owner of a tract of land in what is now known
as New Market, Virginia. Today, 235 years later, that
plot of land and more is owned by his descendants
Ed Garber and his son, Charlie Garber, the eighth and
ninth generations of Garbers to live and farm there.
If you ask the Garbers, though, what’s most important about their set-up, they will undoubtedly tell you
that working together is what it’s all about.
down on the farm
Ed Garber says that he had no intention of coercing
Charlie to join the farming business. After all, Ed didn’t
get into it full-time until 1995 after his father passed
away, and he became owner of the farm. Although he
felt it was in his blood to be a farmer, his father and
grandfather didn’t believe in borrowing money. As
a result, they couldn’t expand their farmland. So Ed
couldn’t work for them.
For 32 years, Ed worked his days as an industrial
engineer in a heating and air conditioning plant.
During the evenings and weekends, he would farm.
It was the highlight of his life.
“I liked my job, but I still always liked coming home
in the evening and working another three or four
hours on the farm doing what I really, really enjoyed,”
Ed recalls. He and his wife, Linda, worked two poultry
houses on the land with the plan that the revenue from
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them would put their daughter, Jennifer, and their son,
Charlie, through college.
While Charlie was in college, he knew that he
wanted to spend his future working on the family farm.
Ed was thrilled. He says that he certainly would have
supported Charlie in any decision he made, but what
resulted was his dream come true.
howdy partner
Ed decided that with Charlie, things were going to
be different. He didn’t want his son to be working for
him. Instead, he wanted them
to work together—
to be co-owners
of the farm and its
businesses.
“I didn’t like the way
it was with my father and
me, but I hung in there and
toughed it out. I was determined to change it,” says Ed.
“Not many fathers are able to say
‘I farm with my son.’ He doesn’t
work for me. We work together. I
made sure of that.”
That’s exactly what happened.
When Charlie came back after graduating from West Virginia University
with a degree in Plant and Soil Science,
Ed and his
grandson, Cliff,
read the writing
on one of the
tombstones in the
family cemetery
located on the
farm. The cemetery
includes the grave
of John Garber, the
original owner of the
land who passed in
1787, and that of
his wife, Barbara,
who passed in 1808.
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Clay and his big
brother, Cliff,
walk up a gravel
road on the farm.
Time will tell if they
choose to be the
next generation to
farm the land. Their
dad, Charlie, says
they can be whatever
they want to.
“They have a true business relationship, and with a farm
family, that’s quite unusual,” says Allan George, loan officer for
MAFC, who has worked with the Garbers for nearly 15 years.
“Usually, the sons or daughters may have cows of their own,
but they work for their father.”
“And we didn’t do that,” says Ed.
When Charlie returned to the farm after college, Ed says,
“We had enough loans with MidAtlantic Farm Credit, so we
just shared them.” As father and son laugh, Charlie adds,
“Yeah, they gave me negative money.”
What his parents really gave him and his wife, Marti, is a
partnership. And they’ve all made the most of it.
starting new traditions
During college, Charlie would come home nearly every weekend
to work on the farm. In 1996, Ed and Linda took out a loan with
MAFC to build two more poultry houses. Charlie and Ed began
renting some land, and as the years passed, they purchased land
when they could—40 acres here, more acres there.
In two years, they doubled the size of their farm, doubled
the number of chickens that they raised each year, and
increased their cow herd by four times.
Today, Charlie, Marti, Ed, and Linda own 370 acres and rent
an additional 250 acres. With their four poultry houses, they
will raise about 900,000 chickens to sell each year. They’re
calving 150 cows, and they also raise corn, soybeans, and hay
as feed and cash crops. More recently, they’ve started another
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Besides working on the farm, Ed drives a school bus for
children with disabilities. Charlie works full-time at the farm,
is on the Board of the Shenandoah Valley Angus Association,
and writes nutrient management plans in Virginia. In addition
to raising their two sons, Marti works part-time as a teacher
and is earning a degree in school administration at James
Madison University. Linda helps with the farm, babysits her
grandchildren when needed, and is the official cow checker.
So do these people ever sleep?
“Every night,” says Ed, while chuckling.
The way they accomplish so much, says Charlie, is that
everyone works together. And if they need help, Jennifer and
her husband, Phil, live in a house on the farm with their triplet
daughters and are willing to lend a hand. Charlie’s close friend
Lee Ryan also pitches in whenever needed.
Because of this camaraderie, the Garbers are able to do
something that many farm families can’t—they take vacations.
It takes a lot of planning, but Charlie and Marti were able to
take two weeks vacation in the summer. When they returned,
Ed and Linda took two weeks.
So will the Garber farm continue in the next generation?
For Charlie, it doesn’t matter. His sons, Cliff, 4, and Clay, 15
months, can do what they want in life.
“I’m certainly not going to discourage farming, if that’s
what they want, because it’s a lifestyle choice, not a job,” says
Charlie. “I always get queasy because everybody says, ‘Little
farmers there.’ And I always say, ‘Well, only if they want to be.’
If they want to be a musician and a…”
“Wrestler,” adds Marti with a smile.
“Yeah, a wrestler, that’s fine,” says Charlie.
“As long as they can make a living at it,” says Ed.
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“That had not happened in previous generations,”
explains Ed.
business on the farm that they can run during the slower
periods—selling cattle equipment.
farm | land
his dad made him a partner in the business. “My grandfather
inherited the farm when he was 60. Dad inherited it when he
was 50. And I got a major portion of it when I was 22,” says
Charlie.
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Stadler Nurseries
is a family
business in the
fullest sense of the
phrase. While Peter
(left), daughter Lisa
(center) and son David
(right) have hands-on
involvement in the
day-to-day operations
of the business, Peter’s
brother and sister have
also been part of the
team for the long haul,
serving in the role of
financial partners.
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STADLER NURSERIES: A GROWING
BUSINESS FOR THREE GENERATIONS
story and photos by SUSAN WALKER
When Paul Stadler was growing up in Switzerland,
there were two career choices in his hometown—cigar
wrapping or working in a plant nursery. Fortunately
for people in the Maryland-Virginia region, he chose
working with plants. After immigrating to the U.S. with
only $100 to his name after serving in the First World
War, he and his Pennsylvania-born wife Rebecca
worked together to realize their dream of opening a
nursery in 1932.
Today, Stadler Nurseries, led by Paul’s son Peter
and Peter’s son David and daughter Lisa, has grown to
include three garden centers, a thriving re-wholesale
department which sells plants to landscapers and
organizations with their own gardening staff, commercial and residential landscaping departments, and two
nursery farms where the Stadler family grows thousands of trees and shrubs each year. Stadler Nurseries
has landscaping and re-wholesale contracts with
clients as far away as West Virginia and Gettysburg,
Pennsylvania, as well as the cities of Cumberland and
Emmitsburg, Maryland.
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The family’s original nursery, which Paul and
Rebecca started after he had worked as a gardener
for a family in the Georgetown neighborhood of
the District of Columbia, was located in Wheaton,
Maryland. That nursery was eventually sold to
Montgomery County and is now a popular display
garden located within Wheaton Regional Park known
as Brookside Gardens. The family’s home still stands
on the property.
After selling that property, Paul purchased land
in Laytonsville, Maryland which is now one of the
family’s garden centers and a nursery farm. The other
garden centers are located in Frederick, Maryland,
also home to the second nursery farm, and Bristow,
Virginia which is near the rapidly growing D.C. suburb
of Manassas.
born into the plant business
Peter jokes that he has been part of the family business since he was three weeks old, working there all
throughout his childhood and teen years. But while
earning an engineering degree in college, he didn’t plan
to return to Stadler Nurseries after graduation. His plans
changed, however, and he and his new wife Janet did
return to work at the nursery with his parents. When his
father passed away in 1967, Peter took the operational
reins of the company while his mother continued in her
role as the business manager, a position Janet took on
after Peter’s mother passed away.
David and Lisa followed closely in their parents’
and grandparents’ footsteps, working at the nursery
and garden center throughout their lives. David, who
handles the business’s day-to-day operations, has a
business degree from Penn State and an MBA from the
University of Maryland. Lisa, who has a degree from
According to
David Stadler,
independent garden
centers like his
family’s account for
20 percent of plant
sales in the U.S.
“People know that
at Stadler Nurseries,
we take great care in
the selection of the
stock we sell and we
try to buy as much as
possible locally. We
have long established
relationships with
our growers and visit
to see how their
operation works,
what soils they grow
in and so on. When
customers buy plants
from us, they know
those plants will do
well because we’ve
done our homework
to ensure we only
offer the best.”
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The Stadler family
has always worked
to make sure their
business is well diversified, a plan that has
helped them weather
the current economic
downturn better than
most. Their garden
centers have continued
to perform well even
during the recession.
They attribute to the
fact that when people
cut back on spending
they still want to have
some simple pleasures
in their lives like nice
plantings in a yard
where they’re spending
more time than ever.
Today our loan officer Bill Borsa provides
us with his insights and opinions, a great
complement to our own areas of expertise.
MidAtlantic has acted as a partner in our
success over the years and continues to do
so 40 years later.”
Adds Bill Borsa, “We have always
had a smooth relationship with the
Stadlers. They come to MAFC with carefully thought out and detailed plans and
excellent financial reporting so working
with their business is easy. We have been
able to assist them with very different
types of financial needs, from purchasing land to building their garden centers
because we have the tools and flexibility
to tailor loans to meet their needs and get
over any bumps in the road like delays
in building caused by the approval and
permitting process.”
Adds David, “Dad has been our mentor
through the generational and financial
changes. Rather than an abrupt transition, it’s been a gradual, carefully planned
process over the course of the last 10 years
which has helped Lisa and me learn the ins
and outs of the business on every level.”
A fourth generation of Stadlers are
currently working in the nursery and
Laytonsville garden center. Dave’s two
sons load mulch, weed and lend a hand
wherever they are needed, while Lisa’s
daughter works the register after school
and on weekends.
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“I love having my daughter working here,” says Lisa. “For all
our kids, there is no better life skill you can build than working
with the public and they get the chance to do that by being part
of our family business.”
a partner in growth
The Stadler family’s relationship with MidAtlantic Farm Credit
(MAFC) has a long history, starting back in the 1960s when the
family first took out a loan to purchase the farmland that is now
part of the Laytonsville nursery and build the greenhouse and
garden center on that site.
“When I first started working with MidAtlantic Farm Credit after
my father passed away, I did not have much business experience,”
explains Peter. “The loan officer I worked with took the time to
help me develop a balance sheet for our business and to help me
understand the financial issues I needed to know to help make
Stadler Nurseries a continued success.
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With the new garden center in Virginia
recently opened, Stadler Nurseries is
looking for other types of opportunities
to grow their business. Lisa and David’s
kids have gotten them to expand their
marketing avenues to include Facebook and Twitter to reach an
even wider pool of potential customers. From a business strategy
perspective, they have become very involved with the green
industry, working with both residential customers and governments, builders and developers to offer sustainable landscape
design and installation.
“The green industry will be a key part of the nursery and landscape business’ future,” believes David.
“We’re well positioned for success in that future because we
listen to and respond to our customers needs,” explains Lisa.
“A builder we work with had asked us to develop sustainable
landscape plans before ‘green’ was popular so now we are in a
position to be a source to supply the increasing demand.”
“The Stadler family has always been very progressive,” adds
Bill Borsa. “They have foresight, see an opportunity and take a
calculated risk to achieve their goals. Success doesn’t just fall in
place, it takes planning, work and vision and the Stadlers have
those key elements in place.”
For more information on Stadler Nurseries or for
useful information on gardening, visit
stadlergardencenters.com.
n
Lisa explains, “The skills Dave and
I have complement each other. We
talk about all aspects of the business
together and make decisions jointly with
input from Dad. His sense of history and
perspective has been especially helpful
during the current economic downturn.”
farm | land
the University of Maryland in Economics,
is responsible for general administration,
human resources and marketing. Peter’s
role focuses on strategy and planning as
well as financial aspects of the business.
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Scott, Roy, and
Joel Hetrick
(from left to right),
form the farm’s
partnership. Joel
is in charge of the
field work while
Scott works as the
farm’s herdsman.
Last year Roy Hetrick
celebrated 60 years
in farming. He fills
his days with feeding
steers twice a day,
hauling cattle to the
sales stables, and
running the hay rake
and haybine.
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BUILDING A FAMILY
FARM
Steady, slow, smart growth characterizes Roy Hetrick’s farming success.
story and photos by MICHELLE KUNJAPPU
If you want to see dairy farming in action, stop by
Hetrickdale Farms.
parlor together with an acetylene welder after he took a
welding course at night at a local high school.
On an ordinary morning, the Bernville, Pennsylvania
farm is bustling. The tractors are being inspected,
the vet is listening for the telltale “ping” of a twisted
stomach, an employee is giving the barns a new wash
of white paint, the equipment representatives are in
the milking parlor to check out a failed switch, the A.I.
technician’s truck is parked outside the barn, the hoof
trimmer has cows laying quietly on their side as he
works, and in the fields more than 2,000 acres of crops
are growing a little taller each day.
“It was just an enthusiasm for farming—that’s what
got me there,” he says of the courses that he took to
broaden his experience.
Oh—and milking. We haven’t even gotten to the
main thrust of the farm, the over-four-hour occurrence
that sends 975 cows through the milking parlor three
times a day.
From there, “we just bought one farm at a time,
about every five or eight years,” says Roy. “And we
never financed anything for more than 15 years.”
If you think that sounds like an ambitious operation,
it is. If you think the operation is the result of the work
of generations of farmers...it’s not.
small beginnings
After growing up farming alongside his father, Roy
Hetrick started farming at age 18, when he bought 12
cows in 1948. He housed his small herd on a rented farm,
which came with a 60 acre black walnut orchard that he
used as pasture and a sheep barn which he retrofitted for
his starter herd. Additionally, he welded his own milking
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By 1953, when Roy and his wife, Betty, purchased
the current 150-acre farm, the herd had expanded to
34 head and his family had increased to two children.
The couple worked with what the farm offered for
two years before building a double six milking parlor
and later a double 12 herringbone parlor, which they
used until 2001.
a growing operation
Today, the farm includes approximately 2,100 head
of cattle dispersed over several farm properties. The
Hetricks raise their own replacements and feed out the
bull calves for the beef market. Also part of the operation is 1,100 owned acres and 31 rented farms that
give the family an additional 1,000 acres to grow corn,
soybeans, and alfalfa.
The family has expanded along with the farm. Roy
and Betty have nine children, 18 grandchildren, and
three great-grandchildren.
The Hetrick
family and
employees milk
almost 1,000 cows,
raise their own
replacement heifers,
and feed the bull
calves for the beef
market, which brings
their livestock count
to approximately
2,300 head of cattle.
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Roy and Andy
Terrell, MAFC
loan officer, take a
look at the 48-stall
carousel parlor. Four
people operating
the parlor can milk
220-250 cows per
hour. Below the
workers, a hydraulic
floor can be raised or
lowered to adjust for
their height. After
leaving the cow, the
milk is cooled to
33 degrees in three
minutes and moves
directly to a sealed
compartment.
farm | land
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The farming lifestyle continues to attract members of the
Hetrick family. Of the farm’s 19 employees, nine of them are
family members who work full or part-time on the farm.
“It’s important that you have people with a vested interest
who are all going in the same direction,” says Roy.
Some of the grandchildren work on the farm or, are pursuing ag related fields. Granddaughter Lindsay, recipient of a MAFC
scholarship, is studying to become a large animal veterinarian.
Grandson Matthew is studying to become a heavy equipment
technician and plans to come back and work on the farm. Three
grandsons, who are still in high school, are involved in FFA and
interested in agriculture.
For almost 30 years Roy served as director of several dairy
co-ops, including time on Land O’Lakes’ corporate board and
executive committee. He also served on the board of one of
MidAtlantic’s predecessor associations.
future opportunity
“We’ve been blessed in our family,” says Roy.
However, “this whole family has sacrificed for the farm,” says
Roy. “We give up our Sundays, our holidays, our sports participation—not that any of us have regretted that,” he adds.
driven to succeed
“Roy and Betty had a vision to pass the farm on to the next
generation,” says Terrell. “He wanted to create an operation that
the next generation would be interested in and could support
the buyout of the estate and assumption of all debt.”
Perhaps part of success is simply being driven—no matter what
stage of life or financial situation. After age 65, with all debts paid,
Roy went ahead and signed his name to another big project for
the farm—a new barn complete with a 48-stall carousel parlor. Roy is quick to discuss the importance of estate planning—
and, preferably, estate planning with your spouse. “Decisions are
much easier made together, and they are accepted better by the
children,” he says.
The barn construction proved to be an exercise in ingenuity,
as the Hetricks took scrap metal that previously served to hold
pallets in a former grocery warehouse and reworked, re-welded,
and reconfigured it until it gave it a second life as the structural
steel for the barn.
The couple sought out attorneys 16 years ago to set up a partnership and draft a will. “Fifteen years ago we made a plan,” says
Roy. “Not everything turns out like we planned. Updating a will is so
important because everything doesn’t turn out like you think it will.”
Says Roy, “We had the land base”
“—and the labor,” adds his son Scott,
“—and the know-how” continues Roy, whose sons completed
the barn project as easily as they finish each other’s sentences.
“If it weren’t for these guys (Roy’s sons and their supportive
wives) being willing to pull their weight and make the commitment to make this thing work—that allowed the barn construction
to happen,” adds loan officer Andy Terrell. Joel and Scott formed
the partnership with Roy 18 years ago and Kirk works full-time on
the farm.
Additionally, “Roy’s vision and drive were probably formed by
his desire to constantly want to improve himself and his operation as well as his willingness and desire to learn and be deeply
involved in the dairy industry through his many board memberships and constant learning,” says Terrell.
Betty, who passed away two
years ago, was a partner
in the business,
so Roy consulted
with an ag attorney to generate
ideas on how to set up
a new estate and partnership.
“I got everyone together to
talk about it rationally,” says Roy.
“The ultimate aim is keeping the family
together. You don’t want the children
against each other. After I’m gone, I want
them to be a family.”
After all, he says “We’re still building—
there’s still opportunity.”
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9
1
Standing on
the front steps
of their new home
are Mark and Kathy
Drew—flanked by
son Mitchell, his wife
Lindsey and daughter
Autumn. The Drews,
who started farming
leased land and
bought their first
small farm in 1982,
now till about
1,200 acres and
have expanded their
poultry operation to
ensure their farming
operations will
support current and
future generations
of the family.
1
DELMARVA FAMILY GROWS
FARM TRADITIONS
Mark and Kathy Drew take aim for tomorrow.
story and photos by GARY HORNBACHER
To most folks living in the small rural farming community of Bishopville, Maryland, the pretty farm on Saint
Martin’s Neck Road—accented by a long driveway
wrapping around an attractive new home to well-kept
maintenance and equipment sheds and four poultry
houses—is simply called the Drew Farm.
In fact, one of two signs at the driveway’s entrance
reads Mark and Kathy Drew. But the other reads
Autumn’s Farm.
And therein’s our story, which features one very
forward-looking Delmarva farm family, who—despite
all the land and environmental pressures associated
with farming in a coastal resort area—are successfully
creating their own family farm tradition.
Meet the Drew Family. There’s Mark and Kathy Drew,
son Mitchell, 24, his wife Lindsey and their four-year old
daughter, Autumn. Yes, Autumn, as in Autumn Farm.
10
Mark and Kathy’s story really begins over 30 years
ago. Even as high school sweethearts attending
Stephen Decatur High School in nearby Berlin, Mark,
recalls Kathy, was already working on his grandfather
[Mitchell Gray’s] nearby farm and planning to make
farming his livelihood.
It was more than a dream Kathy happily bought into
when the couple exchanged wedding vows 27 years
ago—it was a way of life they hope to preserve for
generations to follow.
A lot’s happened since then. Today, the Drews till
about 1,200 acres of leased, rented and owned land,
growing wheat, corn and soybeans in rotation. They
also manage their four-house poultry operation, which
has a maximum capacity of about 95,000 chickens.
Two of those poultry houses are owned by son Mitchell,
who—along with still active, 74-year old ‘Uncle Bill’
Gray—helps in the family farming operation.
What makes this story really interesting is not just
Mark and Kathy’s perseverance and professionalism,
which they’ve got plenty of, but the way they’ve carefully built their farming operation by buying and leasing numerous smaller parcels of farm acreage, most
within 10-15 minutes of the Drew’s Bishopville farm.
“Our biggest farm has 150 acres,” says Mark, “and
many are 15-20 acres pieces picked up as people got
out of farming or got older. Some of the owners we
deal with are children and even grandchildren of families who want to see the ground tilled and kept just the
way earlier generations had it.”
As a matter of fact, even the Drews homestead
farm is not that big. It had five acres boasting a single
chicken house and trailer when purchased at auction
2
Posing by a
1950’s-era John
Deere tractor and its
modern counterpart,
Bill Gray, Mitchell
and Mark Drew, and
Farm Credit loan
officer Bill Pusey
have all known and
worked together for
nearly two decades
to build the family’s
diversified and
prosperous Delmarva
farming operation.
3
The name says
it all: Autumn,
the Drew farm’s namesake, represents the
hope of grandparents
Mark and Kathy that
their family focused
operation will be
continued by successive generations.
4
The Drews have
responded to
coastal real estate
pressures by twiceexpanding their
poultry operation and
by growing wheat,
corn and soybeans
on numerous smaller
parcels of leased and
owned farmland located within a several
mile radius of their
Bishopville farm.
farm | land
3
in 1991. Since then, the couple has added another 20 acres of
contiguous property; built a new home; erected farm buildings
for the storage and maintenance of farm machinery and equipment, and added the four chicken houses.
Kathy knows. Now a vice president for the Bank of Ocean
City, where she’s worked for 15 years, she’s obviously well
qualified when it comes to handling the book work and financial side of farming, or, for that matter, working alongside Mark.
“We gave Mitchell the land for his two chicken houses three
years ago,” says Kathy, “to make sure the farm could support
two families. We look at the poultry industry as stable, producing income every six-to-eight weeks that helps balance our
seasonal farming income.”
“I can still get up on the tractor or do whatever’s necessary,” says Kathy, “but now that Mitchell is older I’m not as
involved in the day-to-day farm operations.”
Mitchell and his family, incidentally, now live in Mark and
Kathy’s first home, which is adjacent to Mark’s grandparent’s
farm. Come spring, adds Kathy, Mitchell will be tilling that
farmland too.
“It’s a three-generation full-time farming family operation,”
says Bill Pusey, loan officer in Farm Credit’s Salisbury office, “with
a focus on transferring to Mitchell at some point in time. “They are
a typical farm family in many ways and seem to be dealing very
well with the realities of farming—especially the environmental
pressures that come from the Ocean City resort community.”
“Mark and Kathy do a top-notch job,” echoes Stuart Cooper,
Farm Credit Area Manager and neighbor. “They don’t cut
corners, their maintenance is excellent and they run a neat,
well kept diversified farm operation.”
Compliments like that draw a smile from the Drews, whose
reliance on Farm Credit and strong relationship with Bill date
back to their entry into farming.
“All our farm finances are with Farm Credit,” says Kathy.
“They’ve done a great job helping build our farming operation
and adding equipment and more property. Personally, as
a banker, I wouldn’t go anywhere else – Farm Credit understands farming operations.”
4
Mark just laughs when it’s suggested that being married
to a banker is a farmer’s dream. “I don’t have to worry about
money though,” he adds. “I just ask her if we can afford it
and she tells me yes or no.”
Kathy can look back and chuckle too. She knows what
it’s like being married to a farmer.
“Mark’s a seven-day-a-week farmer who can’t stand
not being outside working,” she says. “He loves it. I had to
get married in February because it had to fit between crop
season and hunting and it took me 20 years to get him to
take me on a vacation.”
And that’s another reason to smile. With son Mitchell now
working full-time on the farm, the couple have been getting
away regularly for the past eight winters for some much
deserved R&R, enjoying a timeshare in Aruba.
“Two weeks is still too long,” says Kathy, “but seven-toten days is good enough.”
Then there’s that other reason—four-year old Autumn
Drew. Granddaughter, farm namesake and a big part of
he reason Mark and Kathy Drew face the future with such
optimism and sense of destiny.
“Our goal is to keep the operation going as long as we
can,” says Kathy. “To build a good stable base for our son
knowing that he will continue our farming operation and
its place in the history of our family.” n
2
11
home | garden
THE
Spirited
GARDENER
story by SANDY WIEBER
I have a problem. I am addicted to Christmas trees.
I mean, I don’t drink their sap or anything weird. I just buy them and
put them up.
I can’t find a 12-step program for it, or any kind of support group. In
fact, my family seems to encourage my addiction by giving me ornaments
for holidays, and asking me how many trees I’ve put up so far.
Like it’s so funny when I say “nine.”
For the record, I only have two “big” trees, one in the dining room and
one in the living room. The dining room tree is decorated with ornaments
from the 50’s and 60’s. I’ve picked them up from antique stores for years
so it is really packed. Sometimes, I’ll have four or five ornaments on a
single branch. As you’ve probably already guessed, this is an artificial
tree; a live one would never cut it. If I had a live tree, I’d have broken
ornaments all over the floor. And if that sounds like experience talking,
it is! (Note to our tree growing friends: I do have a live cut tree on my side
porch, and a small one in the foyer because I love the smell!)
The tree in the living room is decorated with china ornaments, all
of them painted by my mother when she was younger. She painted the
year on the back of each one, too, and it’s fun to say “I got this when I
was eight” and “She gave me this one the first year I was married.” Once
I was married, I got two a year, so this tree is pretty full, too. I mean,
it’s way too full to combine it with the tree in the dining room, so don’t
even suggest it.
Of course, I have a tabletop tree in my bedroom, and it’s decorated
with old ornaments from my late grandmother (what else was I going
to do with them? Hang them on one of the other trees? As if.) I also
have a “centennial tree” in a guest bedroom, decorated with flags and
Victorian-looking ornaments, just like trees from 1876, our country’s
first centennial. After all, Christmas trees really took off during the
Victorian era, it seems like we should give them some kind of nod of
thanks, shouldn’t we?
(If, by this point in the article, you are starting to think that maybe
you should have a couple of trees too, then I’ve done my job and spread
the affliction. If not, read on…)
I have some super small trees, too…but I hardly think they count,
although my family includes them in the annual inventory. These small
ones include a couple feather trees, each decorated with a different
theme—all flowers on one, tiny kitchen utensils and mini yellow ware
bowls on another, gardening tools on a third. In fact, I’m thinking about
adding a new one this year: a beachy, fish-themed tree to help me get
through the long months of snow and otherwise non-beach-appropriate
weather. I’ll probably pick up a couple of ornaments after the holidays
when they go on sale (hey, I may be sick, but I’m still thrifty).
If you’re planning on decorating your own tree in the next few
weeks, consider this: what are you going to put on top of that little side
table? Don’t you think that a small tree would be nice there?
12
That’s how it starts, my friends. Enjoy the holidays, but don’t say
I didn’t warn you! n
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Wincheste
Calling all Scholars
The deadline to apply for one of twelve scholarships being offered
by MidAtlantic Farm Credit is fast approaching—January 22, 2010.
This year over $13,000 will be awarded to members or children of
members—regardless of their field of study.
Complete rules and applications
are available at any
of MAFC’s offices or
you can apply online
at mafc.com.
Happy
Holidays
and a
Joyous
New Year!
888.339.3334
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The Fount
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13
Out and About:
the Calendar Winners are...
Cover Photo:
Submitted by:
Mary Miller, White Post, VA
photographer: Sam Miller
January:
Submitted and photographed by:
Sara Levin
Reisterstown, MD
Melanie Callaway
Harrington, DE
August:
Jenny Hendershot
Clear Spring, MD
February:
Erica Sauder
Beavertown, PA
Brenda Ripley
New Windsor, MD
March:
Sara Levin
Reisterstown, MD
October:
April:
Carla Green
Walnutport, PA
Jennifer Collins
Glen Arm, MD
Katlyn Sheppard
Crownsville, MD
November:
Submitted by and photographed by:
May:
Jamison Spencer
East Stroudsburg, PA
Donna Dawson
Kennett Square, PA
Lorraine Baugher Jones
Boonsboro, MD
December:
Donna Dawson
Kennett Square, PA
Sandy Stahl
Fleetwood, PA
June:
Chris Neibert
Greenwood, DE
Melanie Callaway
Harrington, DE
3
Nancy Spencer
Submitted by:
Bobbi Jo Webber
Clayton, DE
photographer: Denise Chas
2
September:
Nancy Hoffman
Glen Arm, MD
Patricia White
West Chester, PA
14
Beverly Clarke
Chestertown, MD
Nancy Spencer
Jenny Hendershot
Clear Spring, MD
1
July:
4
Donna Dawson
Kennett Square, PA
Congratulations to
all of our winners!
5
1
BLUE RIBBON(S) DAY: Cody Porter of Howard County
(Maryland) shows off his two blue ribbons received
during the Cattail Classic Youth Livestock Judging
Contest held at the Mullinix Farm in Lisbon, MD.
Photo by Charlotte Mullinix
2
FAIR CHORES GALORE: The Kent County Fair was
held in Rock Hall (MD). One of the many livestock
participants watches her cow takes a drink water during
a break in the action. Photo by Holly Porter
your association
County Fairs and Ag Events
3
LATTE – EQUINE STYLE: Cassandra Hirst-Sidwa
proudly shows off her four month old foal, Latte
at the Delaware State Fair. MAFC is a title sponsor of
the Halter & Showmanship Saddle Performance Horse
Shows during the fair. Photo by Holly Porter
6
4
BACK TO SCHOOL: Shenandoah (VA) Public School
Convocation was held as a new school year was
preparing to start. The convocation included speakers,
a wellness fair, and farmers’ market supported by MAFC.
Photo by Matt Ritenour
5
CHATTING TIMES: Retired MAFC employee Phil
Whitman (left) catches up with Bob McIntyre during
the annual J. Millard Taws Crab & Clam Bake held in
Crisfield, MD. Photo by Holly Porter
6
GRINNING GROUP: MAFC is a proud sponsor
and supporter of the Frederick County (VA) Fair.
Livestock exhibitors proudly display their Keepin’
It Rural t-shirts that were provided by MAFC.
Photo by Matt Ritenour
7
8
7
ON TOP OF THE MELONS: The Wicomico Farm & Home
Show had a little bit of something for all attendees.
This young lad enjoys looking for the perfect watermelon. Photo by Holly Porter
8
SMILING SERVER: MAFC’s Cheryl Keesecker helped
to serve BBQ during the Berkeley County (WVA) fair.
MAFC is the primary sponsor of the two BBQ’s during
the fair. Photo by Becky Daniels
9
PROUD PULLERS: MAFC has been the proud sponsor
of the Antique Tractor Pull at the West Lampeter
Community Fair (PA) for many years. This was the
85th year for this fair—one of the oldest in Lancaster
County. The five class winners from the competition are
(from left): Jay Livengood, Lester Livengood, Kyle
Leaman (representing Katie Leaman), Kent Porterfield
and Dakotah Strawser. Photo by John Mylin
9
10
10
HEADING TO PENNSYLVANIA: Carol Kinsley rode
the bus from Maryland to Ag Progress Days (PA).
While at APD, she attended the Mid-Atlantic Soybean Association meeting with peers from other areas. Over 160
farmers were onboard the five buses sponsored by MAFC
and MD Cooperative Extension. Photo by Holly Porter
11
AWARD WINNER: Sarah Miller was the winner
of the Sweepstakes Trophy for the girl with the
most points earned at the Clarke County (VA) fair. MAFC
sponsored the award and is a proud supportor of the
fair. Photo by Sam Miller
12
11
NO HORSIN’ HERE: MAFC loan officer Paul
Shipper hands out the ribbons for the Youth
Western Trail Class during the Delaware State Fair held
in Harrington, DE. Photo by Holly Porter
15
12
CUTE KIDS
Future farmer: Johnny Martin is
getting a head start on his career
in agriculture. Photo taken by
Christina Martin of East Earl, PA.
Meet and greet: Mark Moser
introduces his son, Luke, to his
first calf, Abby. It won’t be long
before Luke is helping Daddy
in the barn. Photo by Heather
Moser of Bally, PA.
Good fences make good neighbors:
The forecast is for sun:
Aubrey Clarke is as charming
as the flowers that surround
her. Photo by Beverly Clarke
of Chestertown, MD.
16
Talk about corny: Cute-as-a-button
Caleb Whitcomb sits in some of the
corn that his Mommaw and Mom
cleaned for freezing. They put eight
dozen ears away that day! Photo by
Tiffany Rhinehart of Frederick, MD.
Taking the reins:
Berry queen:
Seven month old
Kendall Rayfield learns where
strawberries come from—they
come from Mom-Mom and PopPop’s farm! Photo taken by Bonnie
East of Pocomoke City, MD.
It’s splendid in the grass:
Suzanne Wheatley of Bridgeville,
DE, snapped this shot of Emmett
Ashton Wheatley, son of John Jr.
and Ashley Wheatley.
Two year old Mason has all the time in
the world as he strolls along a fence at
his cousin’s garden. Katlyn Sheppard of
Crownsville snapped the shot.
Hanging with the chicks already:
Bobbi Jo Webber of Clayton, DE,
submitted this photo of Nathan,
who looks very comfortable
surrounded by chicks. Photo
taken by Denise Chas.
Using her melon: Abrey Klaire Pollard takes
a break from the family picnic in a cool place.
Photo by Ashley Short, and contributed by
Sharon Dulin of Denton, MD.
Photographer Erica
Sauder of Beavertown, PA, took this
photo of Johnny Burkholder at his
family’s farm in Mifflinburg. The Jersey
looks more interested in the camera
than in being led through the pasture.
Taking out the fleet: Emily Fritz,
Jeffrey Fritz and Payton Wallace
take a break from the field work
on a summer evening in Monrovia,
MD. Photo by Diana Fritz.
Here comes the milk man:
Jackson Moser helps his nanny
feed calves at his daddy’s farm
in Bally, PA. Photo by Pat Moser.
If you could talk to the animals:
Abbigail Hutchison chats with her
uncle’s calves at Cordova, MD. Photo
by Darin Hutchison, and submitted
by Debbie Hutchison.
Can I pick one?
Elizabeth Dudick of
Fawn Grove, PA, enjoys the blooms in
Mommy’s garden. Photo by mom and
gardener Tammy Dudick.
You said you
needed water? Nancy
Hoffman of Glen Arm, MD,
snapped this shot of her grandson, Asher Collins, helping to
plant the flowers.
Harrington, Delaware
SALE
Felton, Delaware
Milford, Delaware
Excellent farming and hunting
opportunity. Two parcels with
ample road frontage. Mature
hardwoods. 150+/- acres of tillable
ground. $2,200,000.
58.7 acres of crop land with 4 bedroom, 2
bath double-wide. Land is all clear in crop
production. Ideal for poultry, livestock, or
horses. $395,000.
Contact Wes Cromer, Masten
Realty, 302.448.1032.
Contact Jack Kling, ERA Harrington Realty,
302.270.7480.
Middletown, Maryland
community
PROPERTIES FOR
156 acre rolling farm with Mispillion River
frontage. Well known goose farm offers
waterfowl and deer. 110 acres tillable.
Several outbuildings and large pole barn.
$850,000.
Contact Jamie Masten, Masten Realty,
302.422.1850.
Preston, Maryland
Showell, Maryland
25 acre paradise! Custom 8
bedroom, 4.5 bath farmhouse with
attached 4 car garage, L-shaped
in-ground pool, and 3-zone heat/
AC. Gourmet kitchen features
Swanstone® countertops and 4x6
work island with JennAir® cook
top! Enormous owner’s suite
boasts a huge walk-in closet and
opulent bath. $1,190,000.
Contact Diane Derr, RE/MAX 100,
301.695.5500, Ext. 5454.
Rancher on over one acre includes 3
bedrooms and 2 baths. Huge Florida room
with woodstove, galley kitchen and more. 2
car garage with fixed stairs to second floor
storage. $259,900.
Contact Bill Wielan, EXIT Latham Realty,
410.310.0803.
Build your farm
or estate in North
Worcester County,
within 10 miles of
Ocean City, MD.
Approximately 10
acres, cleared and planted in corn and 6
acres wooded with mature trees. 300 ft. road
frontage. Suitable for home, perc approved
4/2009. $149,900.
Contact Paul Chambers, Vantage Resort
Realty, 410.723.1780, Ext. 105.
Woodbine, Maryland
Boonsboro, Maryland
Historic 103 acre farm. Features a
3,350 sq. ft., circa 1825 two story
brick farmhouse, 7 fireplaces, 11
ft. ceilings throughout, original wood floors and hardware.
Renovated guest house, stone
summer kitchen and smokehouse.
Stable with 9+ stalls, 14 bay
machine shed and three paddocks
with hydrants. $1,395,000.
Contact David Wilkinson, MacRo,
Ltd, 301.748.5670.
Spectacular home on 15 private acres with
scenic views. Sits atop South Mountain
at county line. One level living and maintenance free home with a master suite, 2
master baths and 2 walk-in closets. Plenty of
room for the family, stone fireplace, vaulted
ceilings, wrap-around porch. $564,777.
Country setting, city convenience. Restored
3 bedroom, 2.5 bath home minutes from Mt.
Airy. Completely remodeled kitchen, updated
electric, appliances, plumbing, and windows.EQUAL HOUSING
Large front and back porches. Formal living OPPORTUNITY
room and dining room. Gorgeous landscaping, all on .73 acres. $279,900.
Contact Kathryn Ann McKenzie, Real Estate
Teams, LLC, 301.606.8083.
Contact Ted Lapkoff, RE/MAX All Pro,
301.694.3425.
EQUAL HOUSING
Barclay, Maryland
Operating poultry houses, 66,600 capacity, 72x40 manure shed,
80KW auto generator, alarm system, windowless/side walls closed,
2 mobile homes. Fenced area for cattle or horses. 9 acres. $465,000.
More details at www.homesdatabase.com/QA6948740 or
contact Sharon Clark, Sassafras River Realty, Ltd, 410.778.0238 or
410.708.7854.
OPPORTUNITY
REALTOR
®
EQUAL HOUSING
OPPORTUNITY
REALTOR
®
Libertytown, Maryland
17
PROPERTIES FOR
SALE
Frederick, Maryland
Myersville, Maryland
Rocky Ridge, Maryland
Five bedroom, 2 full/2half bath stucco
home built circa 1900. Located on 2.33 +/acres right outside the city limits. Includes
outbuildings, barn and 2 car garage. Zoned
Frederick County Agricultural. $650,000.
Quiet rural country living, four tracts of
land from 9.89 +/- acres to 50.88 +/- acres.
Can be combined or sold separately. Wells
and percs approved. Improvements include
frame barn, spring house, and loafing shed
located on one of the tracts.
25 acres of privacy and beauty. New high
tinsile wire fenced pasture area, ideal
for cattle or horses. Totally rebuilt home
has beauty, luxury and a tranquil setting.
Gorgeous wood floors, bright gourmet country
kitchen, deluxe master suite and much more.
$679,900.
Contact Tom Rozynek, Frederick Land
Company, 301.662.9222.
Rohresville, Maryland
Contact Tony Checchia, Frederick Land
Company, 301.662.9222.
Contact Cathy Strite, Kelley Real Estate
Professionals, 240.674.7658.
Millington, Maryland
Chester River Hunting Farm consisting of 224 acres. 170 acres
till, 40 acres woods, 2 ponds and marsh. 2 percs. Near Rt. 301
and Chestertown. $ 1,700,000.
More details at www.homesdatabase.com/KE7018346
or contact William David Leager, Sassafras River Realty, Ltd.,
410.778.0238 or 410.708.0891.
Conowingo, Maryland
1.11 +/- acres in Washington County.
Gorgeous views to the west and short hike
to the Appalachian Trail. This picturesque
location ideal for your new home. Well and
perc approved. $88,000.
Contact Scott Gove, Frederick Land
Company, 301.662.9222.
Woodsboro, Maryland
Bring the horses or cows! 28+ acres with
ag property designation. Renovated log and
stone 4,000 sq. ft. home. Stable with 12-14
stalls, run-in sheds and more.
Contact Carol K. Martz, RE/MAX Results,
Inc., 301698.5005 or 301.401.9327.
Located on 23+ acres that is mostly planted in corn and
soybean. Includes a lovely farmhouse, barn, garage and
other outbuildings. Small older orchard in place and nice
pond with goose blind. Convenient to Aberdeen Proving
Ground. $449,900.
Contact Charlie Roosa, Key Realty, Inc., 410.398.1247 or
410.287.7241.
Rising Sun, Maryland
Beautiful farm property recently reduced
in price! 42.76 acres
with open pasture
and tillable land,
stocked pond, bank
barn, machine
shed and all brick
Cape Cod. Privacy
without isolation.
Screened back porch
with pastoral view.
$849,000.
Contact Paula
H. Gilley, Mason
Dixon Realty, Inc.,
443.206.0746.
Union Bridge, Maryland
Working dairy operation.
Two trench silos, free-stall
barn, heifer barn, workshop, equipment buildings,
TMR mixer set-up, manure
pit.All in great shape!
Updated farmhouse with
family room addition, 4
bedrooms, 2 full baths, and
updated kitchen. 86 tillable
acres, balance pasture.
$950,000.
Contact Rose Bartz or Tom
Poss, Long & Foster Real
Estate, Inc., 301.788.1468
or 301.514.3900.
Need financing for any of these properties? Call your local Farm Credit office.
MidAtlantic Farm Credit is not responsible for content or typographical errors. For more information on any of the properties listed on these pages, please call the Realtor listed.
At this time, we can only accept listings from licensed real estate agents.
18
Strasburg, Pennsylvania
105 acres farm, tillable, pasture, woodland.
Two constant flowing streams, pond and
quarry lake. Restored vintage farmhouse with
large country kitchen, C/A and over 4,340 sq.
ft. living area. Large bank and corn barn. Clean
and Green. $1,785,000.
Turnkey dairy farm. 3,000 sq. ft. farmhouse,
bank barn with 50 cow set up (new in 2005),
7 stall horse barn, carriage shed, tobacco
shed, manure pit, 2 silos, and calf kennel.
Good soils, frontage along Pequea Creek.
$1,100,000.
Contact Dwight H. Brubaker, Kingsway Realty,
717.569.8701.
Contact Christ W. Taylor, Beiler-Campbell
Realtors, 717.786.8000.
community
New Providence, Pennsylvania
Quicksburg, Virginia
EQUAL HOUSING
Coplay, Pennsylvania
Myerstown, Pennsylvania
Over 147 acres
of beautiful
view, meticulous
orchard, outbuildings, bank barn,
Johnny Appleseed
schoolhouse
and cold storage/fruit processing building.
Operated as a pick-your-own fruit and country store, family tradition for two generations.
$2,800,000.
Three
bedroom, 3
bath contemporary split
level home
with 2 car
garage on
17.57 acres. One stall horse barn easily
converted to 4 stalls. New kitchen, new
baths, and new carpet.
Contact Doug Frederick, The Frederick
Group, 610.398.0411, Ext. 218.
OPPORTUNITY
Great deal on this log house on
16 acres. Enjoy nature trail on this
mostly wooded property. Stone
fireplace, upgraded kitchen, open
floor plan, enclosed porches and full,
unfinished basement. $230,000.
Contact Shirley French, Coldwell
Banker Funkhouser Realtors,
540.325.4444.
Contact Bob Robenseifner, Howard Hanna
Real Estate Services, 717.520.0020, Ext. 414
or 717.439.0806.
EQUAL HOUSING
OPPORTUNITY
REALTOR
®
EQUAL HOUSING
OPPORTUNITY
REALTOR
®
REALTOR
What puts the Life
in your Lifestyle?
The lifestyle choices you make affect everyone in your family—your kids, your spouse, even your furry,
four-legged friends.
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.
888.339.3334
“Serving all of rural America”
19
mafc.com
P.O. Box 770
Westminster MD 21158-0770
PRSRT STD
U.S. POSTAGE
PAID
BALTIMORE MD
PERMIT NO. 7175
Tell A Friend
Referral Gift Program
It’s a win-win-win situation!
You know why you like to do business with MidAtlantic—our strong customer service, our supportive
loan staff, our patronage program. Wouldn’t your neighbor appreciate our services as well?
Refer a friend to MAFC and you can win in three ways: a wonderful gift from our referral
program, the knowledge that you have helped create a healthy Association; and, a friend
grateful for your fantastic suggestion.
888.339.3334
“Serving all of rural America”
mafc.com

Family Traditions

Transcription

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