Financing Rural America for More Than 90 Years
volume 15 | issue 4 | $3.95
A different kind of lender
in this issue
farm | land
4 Where Farms and Finance volume 15 | issue 4
Meet: A Family Affair MidAtlantic Farm Credit, ACA
6 Leaders and their Lender: J. Robert Frazee, CEO
MidAtlantic Farm Credit
Working to Make a Difference 4 Board of Directors
8 Burns Family Farm: Gary L. Grossnickle
Attributing Success to
Fred N. West
Hard Work and Farm Credit Vice Chairman
10 From Cows to Crops: An Paul D. Baumgardner
Deborah A. Benner
Agronomist Makes His Mark
Brian L. Boyd
Dale R. Hershey
home | garden Walter C. Hopkins
T. Jeffery Jennings
Harry M. Kable
12 Timing is Everything 6 Christopher Kurtzman
M. Wayne Lambertson
Jim A. Long
your association Fred R. Moore, Jr.
Dale J. Ockels
13 2011 Annual Meetings Jennifer L. Rhodes
Dudley H. Rinker
Announced Ralph L. Robertson, Jr.
13 Got Tuition? Paul J. Rock
Lingan T. Spicer
14 2011 Calendar Photo Winners Christopher R. Stiles
Rodger L. Wagner
14 Out and About: County Fairs 8
Questions or Ideas
and Ag Events
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
firstname.lastname@example.org or write her at MidAtlantic
Farm Credit, 680 Robert Fulton Highway,
Quarryville, PA 17566. This publication is for
16 Cute Kids
you, our reader. We’d love to hear from you!
The Leader is published quarterly
17 Properties for Sale for stockholders, friends and
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
10 quarterly updates online at mafc.com. The share-
holders’ 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,
See Bob’s latest blog, more photos ACA by calling 800.333.7950 or writing:
and a whole lot of other good stuff MidAtlantic Farm Credit
by visiting our Facebook page at P.O. Box 770, Westminster, MD 21158-0770
message from the president
events | deadlines
Daring to be different
Do you remember when you were very of the oversight of our board of directors. We DEC event place
young, and the worst thing in the world have a 21-member board, and 19 of those 5-7 Maryland Farm Bureau
was being different than your friends? It directors are MidAtlantic borrowers. This Annual Meeting Ocean City, MD
was so important to fit in, and not stand helps insure that we never forget the needs 21 First day of winter
out in any way. and interests of our customers.
24&27 Christmas Holiday
Of course, as you get older, you get To celebrate Farm Credit’s differences, MAFC offices closed
more comfortable with yourself, and more we’ve focused on some of those board
confident. Instead of trying to hide your members in this issue. Like Gary Grossnickle,
differences, you find great pride in what sets JAN event place
our current board chairman, who took his
you apart. father’s 132 acre dairy farm and turned it into 3 New Year’s Holiday
Farm Credit has been different for 94 MAFC offices closed
the 1,300 acre operation it is today. And Fred
years now. We were founded specifically West, our vice chairman, who’s been working 4-6 Keystone Farm Show York, PA
to be different from the commercial banks with Farm Credit (and a single loan officer) 5-7 Mid-Atlantic Nursery and
that served the country in the early part of for the past 25 years. Trade Show Baltimore, MD
the 20th century. At that time, banks were We’ve also featured J.P. Burns of 8-15 Pennsylvania Farm Show Harrisburg, PA
pretty fickle about lending money to agricul- Virginia, who served on the previous 17 Martin Luther King, Jr. Day
ture—they were happy to do it when things Valley board of directors for 22 years, who MAFC offices closed
were going well, but not so happy when took over the family farm at a very young
17-22 Delaware Ag Week
times got tough. age, and who had to figure out the farm’s
Congress realized that, without stable finances at age 13. 18-20 Virginia Farm Show Fisherville, VA
financing, our entire food and fiber supply The nineteen board members who are 20-23 Maryland Horse
could be in jeopardy. That’s why they created borrowers are elected by our association’s World Expo Timonium, MD
the Farm Credit System in 1916. stockholders. They are nominated for the 31 Deadline: sales closing for AGR policies
That commitment to agriculture has set elections by stockholders on our nominating
us apart for decades, but it isn’t the only thing committee. Jon Stutzman, who is featured on FEB event place
different about Farm Credit. We’re a coopera- page 10, is one of the people who has helped
2-3 Pennsylvania Dairy Summit Lancaster, PA
tive, which means that we’re owned by the to make that decision in the past. He knows
people who use our services. That translates what it takes to be a director, as his father
15 Deadline: sales closing for green peas
to a bunch of things that make us different: served on the board for three years. 21 President’s Day
for one thing, it means that we share our Our commitment to ag, our profit sharing MAFC offices closed
volume 15 | issue 4 | mafc.com
profits with our members. If we’re successful, program, our governing bodies…these are 24-27 Pennsylvania Horse
you share in that success(because you helped just some of the things that make us different World Expo Harrisburg, PA
it happen!) from other lenders. Of course, the biggest
In 2010, we returned $7.2 million of thing that sets us apart is all of you…our MAR event place
patronage to our 10,287 borrowers. I’m borrowers. Whether you serve on the board 12 Maryland State
proud of our ability to do that, even in a time or nominating committee, or just vote in our Holstein Convention Frederick, MD
when most banks are on some shaky ground. annual elections, you are what makes Farm 13 Daylight Savings Time Begins
We haven’t been completely immune to the Credit different.
15 Deadline: sales closing
challenges in this economy, but we’ve been And different…is better! for corn, soybeans, AGR lite, etc
managing our association well, and we are
confident that we’ll be able to continue meet- 20 First day of spring
ing our mission for decades in the future. For a complete list of fairs and events,
One of the reasons I think we are such Bob Frazee visit our website at mafc.com
good stewards of the association is because President, MidAtlantic Farm Credit 3
1 Gary Grossnickle is
a strong believer
in protecting farmland
for the future.
two percent of this
is in production ag
and that number has
been shrinking,” he
says. “I believe it’s
important to protect
farmland and keep
farming a vital part
of our economy.
Every single person
needs a farmer at
least two times a
day every day.”
2 Being part of the
MAFC board helps
the Grossnickles stay
current with what’s
new in agriculture.
The Grossnickles try
Where farm and finance meet:
to give agriculture a
good image at home
and away from home
a family affair in all they do.
story and photos by SUSAN WALKER
3 Cindy Grossnickle
takes a moment
away from prepping
DRiviNG TOWARD GARy AND CiNDy GROSSNiCKLE’S FARM class, I was hooked. Paul became a father figure to
turkey barns to enjoy
iN WALKERSviLLE, FREDERiCK COuNTy, MARyLAND, THE me as well as a role model. His talents are so well
the company of her
CONTRASTS ARE STRiKiNG. AFTER PASSiNG BiG BOx rounded. He showed me what it takes to be not only
STORES, FAST FOOD RESTAuRANTS AND TiGHTLy PACKED a successful farmer but also an active supporter of
NEiGHBORHOODS OF TOWNHOuSES, THE SuRROuNDiNGS the community and those are lessons I carry with Gary notes that
CHANGE MARKEDLy ONCE yOu CROSS THE TRAiN TRACKS. me to this day.” many are leaving
The land is suddenly open, with long vistas across Growing up, Gary’s parents were dairy farm- the dairy business.
fields dotted with cows and barns. This is the land- ers with 132 acres when Gary graduated from “In the past several
scape where Gary grew up and where he lives and Walkersville High School in 1970. Today, Gary and years, four older
farms today on 1,300 acres. The farm is also home Cindy own over 600 acres and rent an additional farmers have offered
to his 90-year-old mother and his son’s family. 700. One third of the acreage is devoted to dairy me the chance to
farming, with 280 Holstein cows and 200 replace- lease or buy their land
early beginnings ment heifers. The acres are planted with crops because their families
including corn, soybeans, wheat, barley, and grass are not interested in
“I always knew I wanted to farm,” he says. “I
hay. In addition to farm duties, Cindy also handles farming.”
worked on the family farm with my father since I
was a kid and started farming full-time right out the farm’s payroll and other administrative tasks.
of high school.” Gary credits his high school voca-
tional agriculture teacher Paul Stull, now a member protecting his farmland
of Maryland’s House of Delegates, with further The Grossnickle’s operation represents a shift
strengthening his decision to farm. “After one in focus that has taken place all around the area as
farm | land
farmers have moved away from dairy farming. “I can walk accomplishments and successes
around my house and see 25 farms that no longer milk cows,” Gary and Cindy have both been active with several farming
notes Gary. Gary is a strong believer in the importance of organizations over the years, including Capitol Milk Producers,
protecting farmland for the future—he has placed the bulk of his where Gary was on the board for eight years, and the regional
land in an agriculture preservation program. Farm Bureau. In the early 1980s, Gary and Cindy were named
“Approximately two percent of this country’s population is in one of four outstanding young farming couples in the nation by
production ag and that number has been shrinking. I believe it’s the Farm Bureau.
important to protect farmland and keep farming a vital part of Gary has also been actively involved with MidAtlantic Farm
our economy. You might not need policeman or fireman today, Credit (MAFC) for more than 20 years and was recently elected to
but you will definitely need a farmer at least two times a day serve as chairman of the board of directors. “Without a doubt, the
every day,” says Gary. highest honor of my farming career was to be named chairman,”
says Gary. “It’s an exciting and humbling experience to represent
a family working together such a diverse group of 10,000 members. This is a great group of
The farm is a family affair. Gary’s son Joshua and son-in- people to work with and support because everyone is committed
law Mike Flanary both work there. In addition to helping with to agriculture and the well-being of people involved in agriculture
the field work, Joshua has two turkey barns on the farm with a and rural America.”
capacity of 50,000 turkeys. On a scorching hot summer day, he Gary uses the leadership skills and business insights he built
and Cindy are working feverishly to ready the barns for 25,000 working in other organizations in his new role, for example
hatchlings slated to arrive in a few hours. “Josh’s turkeys are a looking to Capitol Milk Producers’ highly successful patronage
way we can diversify. We also use the turkey waste for fertil- program as a guide for doing business at MAFC.
izer,” Gary adds.
Notes MAFC loan officer Mary Jane Roop, “Gary brings a
The farm is more than a business to Gary and Cindy. Gary wealth of experience in both farming and business to the table.”
volume 15 | issue 4 | mafc.com
felt it was important to raise his children on the farm and is
“Serving on the board at MAFC is a role I’m excited to
glad that his son and two daughters live on or near the farm.
take on,” he says. “It’s an organization I believe in and
It’s a chance for his seven grandchildren to be exposed to
will work to help it continue to serve the farmers who
values Gary doesn’t feel you can find elsewhere.
depend on it by ensuring we are a strong, well capital-
“When you’re raised on a farm, you ized organization that will be there for this generation
understand the life cycle of birth and and the next. MidAtlantic is committed to stability and longevity
death. You develop a strong work and serving the people who rely on us. It’s a responsibility I take
ethic and understand the value of a seriously. MidAtlantic’s goal is to be big enough and
dollar. You also have strong enough to be in control of our future. That
a unique apprecia- strength and focus are what I want to continue
tion for animals and to deliver as chairman.” n
plants,” he explains.
1 Fred West Jr.
wife Betty and
their son Fred III
can be justifiably
proud of their
success in growing
grain and poultry
operation in Sussex
2 Ron Lindale,
officer, and Fred
are dwarfed by a
sprayer, one of
several pieces of
that has been
Farm Credit over
1 century long
A Leader And A Lender: 3 With five
Working To Make A Difference poultry houses
sited on their
story and photos by GARY HORNBACHER Fred and his son
iT’S DELMARvA. THE SuSSEx COuNTy COuNTRySiDE iS FLAT been Ron’s client for 25 years and has served on the formed Fred West
AND FERTiLE WiTH CHECKERBOARD FiELDS OF CORN AND MidAtlantic Farm Credit board of directors for the past Farms, LLC to
SOyBEANS DOTTED WiTH WELL KEPT FARMS AND THAT EvER- 10 years. ensure the farm
PRESENT DELAWARE iCON, THE POuLTRy HOuSE. “Ron’s the only loan officer I’ve ever had,” Fred family’s 100-
So it’s no surprise when you turn off Route 26 onto says. “We’ve gone through good spots and bad spots year old role in
West Road in Frankford, Delaware, swing into a drive- together but we’ve always kept going.” local agriculture
way, drive past an attractive farmhouse and an idle “Fred’s great to work with,” says Ron. “He’s a good continues.
combine, sprayer and tractors to see two large chicken farmer—production and business wise, he stays on top
houses shimmering in the sunlight. of things and he’s always ahead of your needs.” Fred, who has
In the foreground is Fred West Jr., his son “Freddie” Fred, for those who don’t know him, operates a been on MAFC’s
and Ron Lindale, a Farm Credit loan officer who works 2,300 acre family farm. He’s assisted by his wife Betty, board of directors
out of MAFC’s Georgetown office. They are talking who handles the farm bookkeeping, and his oldest son, for 10 years and
animatedly about two favorite subjects—farming and Fred III (Freddie), who lives on a second farm about four currently serves as
Farm Credit. miles away. The two operate the second farm together vice chairman, is
Both subjects are pretty inextricably linked for through a partnership called Fred West Farms LLC. active in the farm
Fred and Ron, whose relationship predates Ron’s The family owns about 170 acres, raising about community and
27-year employment history with Farm Credit. Fred has 110,000 chickens per flock in a combined poultry supportive of the
5 Betty, who
the family farm,
shares Fred’s hope
continue to farm.
farm | land
operation that includes two houses at Fred’s do it together,” says Fred, who is quick to
farm and three more at his son’s farm. They credit Freddie for his ever-expanding
primarily grow corn and soybeans on their involvement in the family partnership.
leased land. “We all do chickens and then we all
Fred and Betty’s other son, Jay, works go in the field when it’s time.”
as a credit analyst in MidAtlantic Farm Looking ahead, says Fred, the
Credit’s Salisbury office. “Our family long range goal is for the farm to
has also been blessed with three grand- stay in the family and transition to
daughters and one grandson, which we Freddie, adding, “But I’ll always
truly enjoy,” adds Fred. work—I’ll never retire.”
You sense the deep connections the
land holds for Fred as he looks over his board involvement—
farm and says, “It’s a good living doing the a win-win situation
one thing I always wanted to do—farm.” Fred’s involvement with Farm Credit’s board of directors,
where he serves as vice chairman, with the Sussex County Farm
building for the future Bureau, where’s he’s also a board member, and the Sussex
When he points across the fields to what used to be his grand- Conservation District, where he serves as vice chairman, reflects
father’s farm and explains that his present farm, where he grew his commitment to agriculture. It’s a substantial commitment.
up, belonged to his parents, you know the roots run deep. “If it wasn’t for Freddie, I could not devote that much time away
“My father died when I was 14,” says Fred. “I actually started from the farm,” he adds.
farming when I was 15, tilling what my mother owned (a 60-acre “Being on the MAFC board is an excellent experience,”
farm) with the help of a neighbor.” continues Fred, who formerly chaired the board’s Governance
Working part-time for a local farmer while in high school, Committee. “Farm Credit’s management is top-notch and this is
Fred later attended the University of Delaware, earning his very much a learning experience—especially when you’re meet-
associate’s degree, and not so incidentally, marrying his ing people from different areas and you begin to understand we
childhood sweetheart, Betty. By then he knew all he wanted have a lot of the same challenges even though we do not live in
to do was farm. the same place.”
“I never did want to do anything else,” says Fred. “In 1970, my Plus, says Fred, it’s good to feel like you are making a
mother had some health problems and I came home and started difference.
farming full-time.” “He always finds time to talk with young farmers,” says Betty,
That was a lot of years and several million chickens ago. Like “and he enjoys meeting borrowers at Farm Credit get-togethers.”
farmers everywhere, Fred’s had to adjust to changing technolo- It’s just another way of giving back to help keep something
volume 15 | issue 4 | mafc.com
gies and, locally, to the intense land development pressures that very special—a Farm Credit focus not just on being a different
come with living so close to the Atlantic beach resort areas. kind of lender but on being the ‘best’ kind of lender in the agri-
“It has changed a lot,” agrees Fred. “When we first started cultural marketplace.
it was mostly retired farmers and older people who were “Farm Credit’s mission statement says we will work with
interested in what you were doing and how everything was them [clients] in good times and bad and that’s just what we
going; lately we’ve seen a lot of change. Dad bought this do,” says Fred. “When you are in farming it’s important to deal
farm back in 1950,” says Fred, “and I remember having chickens with other businesses that understand farming...understand
back when you still hand fed them and turned them outdoors in that each year is different...and to work together to keep the
the summer.” operation going.”
With two separate poultry operations, Fred, son Freddie and One thing’s for sure. When Farm Credit uses the slogan,
one full-time employee stay on top of the poultry operation and “Agriculture is our business,” it’s farmers like Fred West Jr.
taking it very personally who are helping make it happen. n
grain farming while Betty primarily handles the farm books. “We 7
1 Scott Swaim
loan officer, enjoys
the opportunity to
visit with J.P. (left)
and Dick Burns. The
brothers value the
they have developed
with Farm Credit loan
officers over the years.
2 With urban
their horizon, the
Burns brothers are
working to hold on to
their farm. They were
selling the farm but
they turned down the
offer. They want to
keep doing what they
1 land they own.
Burns Family Farm: 3 The Burns’
herd consists mainly
Attributing Success to Hard Work and Farm Credit of Angus genetics.
They feed their calves
story and photos by JENNIFER SHOWALTER out on corn silage
and hay until they
reach 1,300 to 1,400
THERE ARE TWO WAyS OF GETTiNG SOMEWHERE iN LiFE— deciding to turn the sheep barn into a hog parlor where
yOu CAN HAvE THiNGS HANDED TO yOu OR yOu CAN WORK they housed about 120 market hogs. The Burns bought
HARD FOR iT. J.P. BuRNS DiDN’T HAvE ANy OTHER CHOiCE yearling cattle out of Colorado, Montana, and Texas
OTHER THAN TO WORK. WHEN HE WAS SEvEN yEARS OLD in the fall, fed them through the winter, and then sent
HiS FATHER HAD A STROKE AND BECAME PARALyzED. them to Pennsylvania to be finished out.
Being the oldest of a family of four children, J.P. had Keeping up with school work and running the farm
to step up to the plate and run the family farm, which was not an easy task for the Burns. “We worked before
consisted of 430 acres at the time. school, after school and when we finished up dinner we
J.P. and his younger siblings, David, Patricia, and went back to work again. But, while I was in school,
Richard, who goes by Dick, kept the farm going and still every minute was applied to school. I went to the library
attended school. That was only part of their struggles. during lunch to get my school work completed; as a
In 1954, when J.P. was 13, he was result, I didn’t take books home with me,”
faced with figuring out how to pay says J. P.
off $40,000 of outstanding debt the J.P. and his brother Dick stayed on the
farm had accumulated. “A bank farm, while their two siblings decided to
in a neighboring county told us in pursue opportunities off the farm. After
September that they were calling observing the success of their uncle who
the note on January 1, 1955. The had a dairy, the Burns decided that was
Federal Land Bank (what is today’s the next route they wanted to take. J.P. and
Farm Credit) wanted to help and they Dick milked about 20 cows before building
rescued our situation. Our relation- a double six parlor in 1976. They increased
ship has grown ever since,” says J.P. their herd to 120 head of milk cows as well
as 100 beef cows.
hard work changing their focus
At the time, the Burns were milk- In 1986, the Burnses took advantage of
ing cows and selling eggs. They also the dairy buy-out and decided it was time
ran around 200 head of ewes before to focus on raising beef cattle and growing
farm | land
grain. “We figured out how to get out of debt, without milking president, J.P. gave it his all to promote agriculture and give people in
cows,” says J.P. They have worked their way from 400 acres Jefferson county an inexpensive form of entertainment.
up to a little over 1,000, with the help of Farm Credit all along J.P. is grateful of the support that Farm Credit has given his
the way. family over the years and felt it was fitting for him to give back
Over the years, the Burns family has picked up an additional by serving as a director from 1987 to 2009. “Farm Credit is a
1,000 acres of rented ground. They currently are running 180 great organization that understands agriculture. Farm Credit is
Angus based commercial cows and finish 200 head each year willing to take risks during hard times and I find they are more
in what used to be their dairy. J.P. and Dick mainly market their willing to work with you than other lending institutions,” says J.P.
cattle at the livestock markets in Hagerstown, Maryland and Dick agrees by saying, “Farm Credit has been very courteous to
Winchester, Virginia. us, has been willing to work with us, and is very understanding
In addition to their beef cattle, the brothers grow around of farmers’ needs.”
1,000 acres of corn, 300 acres of full season soybeans, 300
acres of late season soybeans that follow in behind 300 future challenges
acres of wheat. J.P. and Dick also make a few hundred acres of The Burns most certainly have not had an easy path to
grass hay each year. With the help of one full-time employee, success and are facing a different set of challenges today. With
they are able to tend to the cattle, do the planting, and make development surrounding their operation, farming is becoming
the hay. They custom hire someone to fill the silos, combine more difficult. “If we lose our rented ground, we will farm what
the grain, and haul the grain to the elevator. They have the we own, however, there is a power line threatening our farm. If
capacity to store 180,000 bushel of grain, so they actively it goes through, it will be devastating,” says J.P.
watch the grain market and converse with their broker on J.P., now 69 years old, and Dick, 63 years old, have no plans
grain marketing decisions. of expanding their farm, but plan to put up a good fight to hold
on to what they have. These two brothers have worked hard all
community loyalty their lives and have developed a brotherly relationship that is
In addition to all of J.P.’s obligations on the farm, he has always few and far between these days. They may not agree on every
found time to give back to the community. Serving as a director of little thing, but they came to realize at an early age the only way
the Jefferson Country Fair for 45 years, with 39 of those years being to move forward is to work it out and keep digging! n
volume 15 | issue 4 | mafc.com
1 Jon and Holly
along with their
old Phoebe, and
enjoy the graceful
expanse of their
front yard next to
the soybean fields,
with a picturesque
tree line offering
2 Son Phillip
young cow. Their
involvement in 4-H
and FFA activities
have helped to keep
the kids interested
From Cows To Crops: 3 MAFC loan
Green (left), who
an agronomist makes his mark has worked with Jon
and his family for
almost a decade,
story and photos by JENNIFER HETRICK
ON A MODEST STRETCH OF 160 ACRES iN THE RuRAL SWEEP an agronomist in the making Stutzman’s (Jon’s
OF KuTzTOWN, PENNSyLvANiA, JON STuTzMAN RAiSES CORN dad) end of the land
In his earlier years, Jon traveled to Hesston College
AND SOyBEANS WiTH THE HELP OF HiS FATHER KENNETH, where the silos call
in Kansas where he earned an associate’s degree in the
WHO SLOWLy TRANSiTiONED THE FARM TO HiM OvER THE upward. Kenneth
school’s agriculture program. Once he had the oppor-
began working with
PAST DECADE. tunity to live in a new place, he better appreciated home
the agricultural loan
Jon calls the farm a hobby of sorts, as his primary and enrolled at Pennsylvania State University, earning a cooperative in the
work is with his 1999-established independent crop bachelor’s degree in Agricultural Science in 1989. 1980s and served on
consulting firm known as Stutzman Crop Care. He soon found a full-time position as an agrono- the MAFC board of
About a half century ago, Kenneth and his broth- mist for the Brubaker Consulting Group in Lititz, directors.
ers bought the land, raising only dairy cows. Twenty Pennsylvania where he had interned during college.
years later, the cows were sold, and the land’s purpose
shifted to suit the family in crop farming.
Ten years later, Jon finally took the proverbial plunge
and started his own voyage in agronomics, with 4 When she isn’t
hiding in the
soybean patches or
Having lived in one of the two houses on the farm- Stutzman Crop Care.
land since 1990, Jon and his wife Holly purchased their chasing after her
Including soil testing, field scouting, and nutrient
home from his parents last November. siblings’ 4-H pigs,
management efforts in his crop consulting firm’s agenda,
Jon employs one full-time worker and has two full-time
the vegetables of their labors field scouts assisting his operation during the summer
is often fascinated
with stopping to
Jon plants corn and soybeans on a five year rotation. months. His company provides services from Berks
smell the flowers—
Two years out of the rotation, he leases out a portion County, Pennsylvania, east to the middle of New Jersey.
of the land to one of his crop consulting customers With about 100 clients, a good number of Jon’s customer parade of long-
who grows pumpkins and other ornamental vine crops base is only a few miles away from his own farm. blooming zinnia in
which will be distributed up and down the east coast. Winter keeps him just as busy as summertime; it’s her grandmother’s
“The challenge of making land produce, given all when he sits down to take the time to develop crop backyard.
the different uncertainties with weather,” Jon describes recommendation booklets which outline different
as what has always drawn him to following in his fertilizer applications and pest control plans needed
farming father’s footsteps. And those footsteps are by his various clients. Summer is when those plans
fresh: Jon’s father still does a good portion of the labor are executed and changed as is necessary to better
in the day-to-day farming. cultivate crops.
Managing his own crop fields right outside of his front
farm | land
door directly benefits his clients who appreciate his firsthand
planning ahead across generations
The well-rounded circumstances of Jon and his family’s
farm experience are far from coincidental; they are a result
of his parents’ diligent efforts in establishing an efficient and
accommodating estate plan for all involved parties.
“Over the past 20 years, my parents were very proactive
in developing an estate plan that would allow me to continue
to stay here on our family’s farm,” Jon says.
He and Holly only bought their home from his parents last
fall, but in 2001, they came to MidAtlantic Farm Credit for a
line of credit to build an addition on the house.
“When he called me to ask for the financing,” Jon’s loan
officer Carla Green recalls, “I was trying to figure out how I
could finance an addition on a property he didn’t own.” Carla
explained the risks of the loan to him, then spent time going that their eldest daughter is now in her first year of college at
over the estate plan thoughtfully devised by his parents. Pennsylvania State University for Animal Science.
“They understand agriculture,” Jon says about MAFC. With
the house in his parents’ name at the time, and thus no collat-
the farm family and beyond
eral for him and Holly, Jon says he doesn’t think many other In the past year, their 18-year-old daughter Heather
banks would have helped him. received nearly half a dozen animal and agriculture-related
scholarships, including one from MAFC.
giving back to MAFC Heather and Phillip are both members of Future Farmers of
This past May, Jon was elected to the 2011 nominating America in high school, while Jon has been the chapter advisor
committee for choosing the upcoming slate of candidates of the Kutztown Young Farmers for more than fifteen years.
for the board of directors of MAFC and the 2012 nominating In looking back at the responsibilities of his childhood
committee. Jon had prior knowledge about the financial coop- compared to his children’s, he acknowledged the different
erative: his father Kenneth originally took out a loan to farm dynamic of growing up on a dairy farm versus a crop farm.
the land about 25 years ago and served as a board director of Despite being raised in an agricultural lifestyle unlike the
the cooperative in the early part of this decade. This history led daily routine of Jon’s own young days, Heather and Phillip are
Jon to his current elected position. both actively involved in 4-H programs, all by their own choice
Jon’s wife Holly didn’t grow up on a farm, instead spend- and interest. Two-year-old Phoebe is known for matching her
ing her early days in a still rural setting. She is a nurse at Oley humble height with that of the soybean plants she can easily
Valley High School, helping Jon with marketing and scheduling hide between in the fields.
work on the farm in addition to her full-time job. “My kids are growing up on a crop farm,” Jon says. “We can
Jon and his family continue to use their line of credit to this plant all of our corn in three days and harvest it in a week. If it
day and are happy that its rate is lower than those of current were not for their experiences in 4-H, their interests would less
student loans, which is an important factor to them, given likely be centered around agriculture.” n
2 3 4
volume 15 | issue 4 | mafc.com
home | garden
there is a Season
story by SANDY WIEBER
They say that timing is everything.
In that case, I have nothing. Because I certainly don’t have timing.
You know the person who starts laughing just as the room falls
completely silent? That’s me.
Another example: we could be in the middle of a planet-
wide draught, but if I go on vacation for three short days, it
will rain cats and dogs the entire time.
I’m not the only one who’s noticed this. For instance, my
husband and I visit Texas quite a bit. Whenever it’s
particularly dry, our friends there have taken to calling us
and inviting us to some made-up-event (really, Brian?
You’re celebrating the 35th anniversary of your first
bike??). I know what’s going on: they don’t want to see
us; they just don’t want to water their lawn.
You know what my bad timing does in the
garden? It makes for a bad time. For the gardener
and the garden.
For instance, I love chrysanthemums. I like their
great harvest colors, the golds and rusts and burgundies.
I even like their overwhelming spicy smell, which is pretty
hard to avoid when you have a car full of them on an
Indian summer day.
But I don’t like them in July. Which is when they
want to bloom. Exactly when they’re going to
fight with the stargazer lilies that I love.
As a result, I’ve taken to buying
new mums and planting them
every fall. I put them in a well-dug
hole, I water them so that their blooms
last as long as possible, and I enjoy them
for weeks every fall. Then, as soon as their
blooms start to wither, I start to hope that
they die. Because if they don’t die, they’re
just going to make me mad when they bloom out of
season next year.
Hoping that your flowers don’t make it through the
winter is just messed up.
I don’t know how our nursery-owning borrowers
do it. How they can get a whole greenhouse full of
poinsettias to bloom with perfect, stunning flowers?
Quite honestly, it’s nothing short of a Christmas miracle
(to me, anyway!)
So, I may not have good timing. And I may not have
a Christmas cactus blooming for the holiday (I’m
guessing it will be beautiful sometime around March).
However, I do know how to manage my time. And today,
I’m going to manage it by running out to one of those nurseries over
lunch and buying a bunch of holiday plants.
Given my wonderful sense of timing, I would fully expect those
plants to go on sale tomorrow. n
Investing in the
Future: Got tuition?
The deadline to apply for
MAFC’s 2011 scholarship
program is fast approaching.
Your application must be
received by January 14, 2011.
So if you haven’t completed
Save the date– your application, put your
scholar cap on and get it
2011 annual meetings done today!
It is time to mark your calendar for our 2011 annual meetings.
Complete rules and applica-
We’ve noted the dates on our MAFC calendar to make it easy
for you—so be sure to pick one up at your local office! More tions are available at any of
information on the meetings will be provided in the next issue MAFC’s offices or you can
of the Leader. apply online at mafc.com
April 5 The Fountains Salisbury, MD
April 6 Modern Maturity Center Dover, DE
April 7 Yoder’s Restaurant New Holland, PA
April 12 Walkersville Fire Hall Walkersville, MD
April 13 Millwood Station Winchester, VA
Season’s Greetings! And best wishes for a
healthy and joyful
volume 15 | issue 4 | mafc.com
Out and About: Coun
The calendar photo winners are…
Cover Photo: July:
Photographed and submitted by Photographed and submitted by 2
Jenny Hendershot Donna Dawson
Clear Spring, MD Kennett Square, PA
Photographed and submitted by
January: Bridgette McMahon
Photographed and submitted by Berkeley Springs, WV
White Post, VA August:
Photographed and submitted by Photographed and submitted by
Holly Porter Sam Miller
Greensboro, MD White Post, VA
Photographed and submitted by
February: Jenna Myers
Photographed and submitted by Union Bridge, MD
Jefferson, MD September:
Photographed and submitted by Photographed by 3
Bradley Shaffer Lorraine Baugher Jones;
Fort Valley, VA submitted by
March: Westminster, MD
Photographed and submitted by Photographed and submitted by
Marilyn Sparks, Upperco, MD Sam Miller
Photographed by Janae Good; White Post, VA
submitted by Clair Good October:
East Earl, PA
Photographed and submitted by
April: Betty Thomas
Photographed and submitted by Sadsburyville, PA
Jenny Hendershot Photographed by Anna Trzaska;
Clear Spring, MD submitted by Jennifer Bruno
Photographed by Kutztown, PA
Adrienne Billings Brozelksy; November:
submitted by Annette Billings 1 Got milk...shakes? A team of MidAtlantic staff members volunteered
Milford, DE Photographed and submitted by to make and serve up some delicious milkshakes during the Lebanon (PA)
Bridgette McMahon Area Fair. The booth was sponsored by The Lebanon County Dairy Promotion
May: Berkeley Springs, WV
Committee. Shown in their “Got Milk” aprons are (from left): Amanda
Photographed and submitted by Photographed and submitted by
Donna Dawson Clare Johnson Knackstedt, Josh Housekeeper, Larry Bachman, Bill Kitsch and Beth
Kennett Square, PA Honey Brook, PA Haines. Also helping MAFC’s staff are Becky and Amanda Bollinger.
Photographed and submitted by December: Photo courtesy of Farmshine
Stroudsburg, PA Photographed and submitted by 2 Summer fair fun: Anne Katherine Burns, (left) tries to chomp on an
Cindy Manley apple held by her sister, Josephine, during the Apple Eating Contest at the
June: Wilmington, DE Jefferson County Fair (Wv). Photo by Martinsburg Journal staff photographer
Photographed by Nancy Hoffman; Photographed and submitted by
submitted by Donna Wilkins 3 Future farmers: These two young boys were handling the wheelbarrow
Jennifer Hoffman Collins Greenwood, DE duties at the Berkeley County youth Fair (Wv). it sure looks like two future
Glen Arm, MD farmers in the making doesn’t it? Photo by Matt Ritenour
Photographed and submitted by
14 Dickerson, MD
nty Fairs and Ag Events
4 Winners!: Loan manager, John Stump (far right) presents certificates at the 8 Happy Chef: Chef Robbie Jester of Toscana Kitchen & Bar participated in
first year record book awards ceremony during the Harford County Farm Fair the 3rd Annual Farmer and The Chef event held in Wilmington, DE. Ramsey
(MD). Photo by Pam Stump Farm and Parson Produce supplied the ingredients for the dish he was making
volume 15 | issue 4 | mafc.com
5 Two for two: A big congratulations to Sarah Miller, the sweepstakes winner at for guests to sample. Photo by Zach Evans
the Clarke County (vA) Fair. This is the second year in a row she has won the award! 9 Petting allowed: One of the favorite venues at the local fairs is the farm
Photo by Sam Miller animals. The signs may say “please do not feed” but they don’t mention
6 Addressing the issues: Delaware Senator, Tom Carper, responds to an inquiry petting. Here a young girl is found petting one of the sheep at the Queen’s
of a local poultry farmer during a visit to Georgie Cartanza’s (right) poultry farm Anne County (MD) Fair. Photo by Zach Evans
in Dover (DE). Many local poultry farmers as well as MAFC staff members and 10 It was a yummy breakfast: A New Educators Breakfast was held for teachers and
board members attended the event. Photo by Zach Evans administrative staff from Clarke, Frederick and Winchester (vA) School Districts to thank all
7 Look at those shirts: The livestock exhibitors at the Frederick County of the top-notch educators! MAFC appreciates their importance and the role they play in
virginia Fair know how to Keep it Rural! visit ikeepitrural.com and check developing the future of agriculture. Photo by Matt Ritenour
out the Keepin’ it Rural video and photo contest. you could win up to $3,000 11 Homeward bound: MAFC was one of several organizations that sponsored six
just by showing us what you find fun and interesting about farm and rural life. buses to Ag Progress Days. Here are some of the guests as they board the bus and
Photo by Matt Ritenour wait to begin the trek back home after enjoying all the activities offered at this event 15
in Rock Springs (PA). Photo by Matt Ritenour
Tickling the chin: Aubrey and Laurel Just my size: Nathan Myers, brother of Two cute chicks: Madison Price,
Clarke, daughters of Beverly Clarke of Jenna Myers of Union Bridge, MD is all daughter of Tammy and Doug Price
Chestertown, MD were checking out the status smiles after petting a newborn heifer from Salisbury, MD is holding a cute
of the wheat field in front of their house. calf at Locust Crest Dairy Farm. chick—very carefully you’ll note!
Between the sunflowers: Karley Round and Round: Nathan Offutt, Sunny days: Reed Kish, son of Becky
Williamson, daughter of Kristin Round Mindy OffuttNathan Offutt, MD
son of and Round: of Woodsboro, and Ryan Kish of Federalsburg, MD
Williamson from Seaford, DE is all smiles thought he’d try the wheel size out offers a helping hand to feed the animals
son of Mindy Offutt of Woodsboro,
while she admires the tall sunflowers. while the tractor was sitting idle. on the Brown farm in Federalsburg.
MD thought he’d try to wheel size
out while the tractor was sitting
Pretty as a picture: Cadence Offutt, Hold on tight: Jaydon Good, Making friends: Emma Leister, daughter
daughter of Mindy Offutt, poses on one son of Janae Good of East Earl, of Bronwen Leister from Telford, PA enjoys
of the hay bales found at Twin Creek PA is shown with one of their making friends with her cousin’s 4-H horse
Farm in Woodsboro, MD. Holstein calves. at a show in Montgomery County, PA.
Under cover: It is all smiles for (from left) Checking out the meadow: Jacob Reist, son of
Brennon Harrison, Kyle Schulze, and Alyson Little helper: Luke Moser was Sarah Reist of Manheim, PA was visiting his Pa
16 Schulze as they peak out from their
enclosure. They are the grandchildren of
helping his grandmother, Pat Pa and Ma Ma’s farm and thought he’d check
Moser of Bally, PA rake leaves. out the meadow where their Angus herd grazes.
Michael Harrison of Westminster, MD.
PROPERTiES FOR SALE
Dagsboro, Delaware Chestertown, Maryland
This choice 73 +/- acre farm offers soil Chester River Waterfront
that is fertile and in a good state of farm with marvelous
maintenance. Located just 4 miles NE hunting off the marsh
of Selbyville, DE. This unimproved land and 2 ponds. 4 bedroom
also makes available the possibility of house, 3.5 baths, new open
sub-division with 1,000+/- feet of road addition with hot tub and
frontage. $1,110,000. sauna. 3-car garage with
in-law suite. 65 acres with
Contact Steven Hollenbeck, Bob Moore
fenced pasture, buildings
Realty Company, 302.382.4087.
and pier. $2,250,000.
Contact Wm. David
Leager, Sassafras River
Conowingo, Maryland Hagerstown, Maryland Realty, Ltd., 410.778.0238
Remarkable horse farm with
thriving Alpaca business
on 100 acres with Beaver
Creek running through it.
If old world charm is what Hagerstown, Maryland
you’re looking for, this is
it! Includes 2 tenant houses Circa 1879 restored farm house on
and many sources of income. 1.33 acres, includes 4 bedrooms and
Home is fully restored. 2 baths. Features include: gourmet
23 acre farm in a beautiful
$1,585,000. kitchen, addition with deck 20x14,
setting. Barn, outbuildings,
covered patio, master bedroom suite
small orchard, pond and Contact Cynthia Moler and office on main level, refinished
cute old style 3 bedroom Coldwell Banker Innovations, hardwood floors, and 3-car detached
farmhouse. $449,900. 301.745.1523. garage/pub/workshop. $399,900.
Contact Charlie Roosa, Key
Contact Charlie Angle, Mackintosh Realtors, 240.329.5010.
Realty, Inc., 410.287.7241.
Frederick, Maryland New Market, Maryland
14.51 acre farmette has stocked
pond, 2-stall stable, machine
barn, chicken coop and barn/
shop. Sunroom with 4 skylights,
custom kitchen. 3 bedrooms, 2
baths on the main level. Finished
lower level has rec room with
dry bar and stone wall for wood- Beautiful 1.86 +/- original acre lot in a quiet pastoral setting,
stove, 2 bedrooms, kitchen and off the road, with views of surrounding farm land. Now being
full bath. $474,900. offered with additional acreage for a total of over 6 acres with
stream. Approved perc for a 3 bedroom home and well drilled.
Contact Diane Derr $195,000.
RE/MAX Results, 301.624.5458.
Contact Scott Gove, Frederick Land Company, 301.662.9222.
Middletown, Maryland Myersville, Maryland Rocky Ridge, Maryland
volume 15 | issue 4 | mafc.com
“Old Comfort” a unique farmstead with
Middletown Valley operating farmette on local history dating back to the 1700s!
Great attention to detail has been
25 acres. Set up for horses with indoor Large main house of locally quarried
given throughout this stunning OPPORTUNITY
riding arena, attached 6-stall barn, multiple stone, original latches and hardware still
home situated on 10.47 +/- acres
paddocks and multiple outdoor riding intact. Large main barn with grain room,
with gorgeous views of the valley. REALTOR ®
arenas. Two residences, main and tenant, dairy barn converted to an artist studio,
Adjacent lots available for more
both have been fully renovated, large bank equipment shed, loafing shed, potting
acreage. Zoned—Frederick County
barn, heated workshop, garage, several shed. 140 acres. $1,395,000.
ponds and streams. $777,777. EQUAL HOUSING
Contact Tom Rozynek, Frederick Contact Fred W. Houdeshell, Bach & OPPORTUNITY
Contact Sue Kelley, Kelley Real Estate Associates, Inc., 301.695.9600, Ext. 105.
Land Company, 301.662.9222.
PROPERTiES FOR SALE (continued)
Rocky Ridge, Maryland Sharpsburg, Maryland Still Pond, Maryland
285 acres with beautiful views, mostly Grand stone house just off Antietam Privacy awaits you, 79 acres with log cabin
cleared and fenced. 3 development rights, Battlefield, much historical restoration nestled in the woods. Wraparound porch,
not in preservation. Ranch home, mobile completed. Large rooms, 5 fireplaces, great room with log beamed cathedral ceil-
home and apartment. 136x69 and 165x60 hand grained cupboards in library and 1 ings, gas fireplace and plenty of windows
loafing sheds, 100x40 machine shed, bedroom. Original wide plank wood floors to view deer, turkey, birds, etc. 34 acres of
38x70 bank barn. All buildings and homes in most rooms. Barn with water and elec- cropland, pond, 30+ acres of woods backing
in very good condition. $2,185,000. tric, stone smoke house, 7 paddocks. Backs to a stream. See more at HomesDatabase.
to unfenced 3+ acres of woods. $525,000. com/KE7375414. $899,000.
Contact Gary Duckworth
RE/MAX Results, 301.644.5968. Contact Vicki Karn Contact John D. Fernwalt
Mackintosh Realtors, Inc., 301.790, 1700. Sassafras River Realty, Ltd., 410.778.0238
Taneytown, Maryland Thurmont, Maryland Westminster, Maryland
Enjoy the best of country living at this luxuri- The historic Hemp-Miller Farmstead (circa Stunning—open floor plan. Bonus room
ous 7,000+ sq. ft., 2006 custom built home 1800) offers a restored 5 bedroom, 2 full over 2-car garage. Gourmet kitchen, master
and renovated 1860 guest house. This beauty bath brick Federal Colonial, 2 story summer suite/soaking tub, double sinks, separate
includes 44+ acres. Perfect for horse lovers, kitchen, original restored bank barn and shower. Recreation room with fireplace, full
this rare find also offers in/out riding arenas, creamery. All on 29 gorgeous acres over- bath. French doors, screened porch, fenced
barn with stalls, and stream. Generates $4,000 looking Fishing Creek. New standing seam yard, patio and shed. $389,000.
per month. Convenient to I-15. $1,850,000. metal roof on home and barn. $1,195,900.
Contact Cynthia Grimes
Contact Jeri L. Stitt, Weichert Realtors, Contact Cindy Grimes Re/Max Advantage Realty, 443.506.0359.
301.367.2069 (cell) or 301.540.1330 (office). J&B Real Estate, Inc. 301.271.3487, Ext. 24.
Rohrersville, Maryland Westminster, Maryland
196.19 acres comprised of 40 acres of fenced pasture, 140 acres
fenced cropland, 15 acres farmstead. Eight outbuildings in good Cute and concise farmette
shape and a new 2-car garage. Stone farmhouse built in 1802, with charming 4 bedroom
addition built in 1950s with many recent updates. Contact Realtor four-square home that
about subdivision opportunity. $2,500,000. has almost new windows,
siding, and roof. Great
Contact Barbara Swanhart bank barn with 8+ stalls.
Bach & Associates, Inc., 301.695.9600, Ext. 107. Blue stone/sand riding
ring. Round pen. Sitting
on 3+ acres with option to
lease adjacent 15 acres.
Stevensville, Maryland $399,900.
65+ wooded acres with waterfront and pond. Building permit in Contact Laura-Lee Jones,
hand. Deer and turkey galore, property in Forest Stewardship plan Long and Foster Real
for Wildlife Habitat. Close to marinas, golf, Bay Bridge. $895,000. Estate, Inc., 443.535.8016.
Contact Jonathan Olsavsky, Coldwell Banker Waterman Realty.
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.
18 At this time, we can only accept listings from licensed real estate agents.
Westminster,Maryland Woodsboro, Maryland
All the charm of yesterday, but conveniences Animal lover’s delight! Rancher situated on 9.44 +/- acres recently renovated with walk-
of today! Lovely 4 bedroom, 2.5 bath Colonial out basement. Barn with water and electric, run-in shed and storage shed/garage also
on a 3+ acre lot south of Westminster. on property. $349,000.
Secluded but not isolated. Updated kitchen Contact Tony Checchia, Frederick Land Company, 301.629.9222.
and baths, 3-car heated garage plus 20x14
building, 3-tired deck, hot tub, pond and
much more. $419,900.
Contact Jane M. Sharp
Coldwell Banker Residential Brokerage, Lebanon, Pennsylvania Kutztown, Pennsylvania
410.876.1666, Ext. 6078.
Historic estate on 11.95 acres with
landscaping that takes your breath
away. Main house was designed
Tremendous orchard—retail and pick-your- by Thomas Jefferson. 5,000 sq. ft. Charming 49 acre farm with beautiful story-
own fruit operation on 147 acres with multiple of historical design, 5 bedrooms, book setting. Long private paved driveway
outbuildings including: retail store, barn, cold 3.5 baths, 3 fireplaces, many leading to the house and barns which are set
storage, garage and schoolhouse. Operational original floors and windows, and back 400’ from the road. Magnificent 2 acre
orchard generating serious revenue plus long- gourmet kitchen. Also includes a pond and peaceful stream. Circa 1850 brick
range opportunity for development or other 2.5 story flour mill with 4,700 sq. farmhouse, 2 bank barns, and pole barn.
uses. $2,495,000. ft. built in 1803. $1,350,000. Lots of road frontage. Fleetwood schools.
Contact Michael B. Yingling Visit: NewPennRealty.com. $698,000.
Contact Doug Frederick
The Frederick Group, 610.398.0411, Ext. 218. RE/MAX Delta Group, Inc., Contact Gary L. or Jonathan D. Coles, New
717.648.8303. Pennsylvania Realty, Inc., 570.386.5000.
Kirkwood, Pennsylvania Mount Joy, Pennsylvania Fort Valley, Virginia
volume 15 | issue 4 | mafc.com
87+ acre farm/ranch that has
60 acres of land in southern Lancaster a farmhouse that includes 3 21.989 acres. Spectacular views of the
County close to Rt. 1 and other major bedrooms, 3 baths, living room,
highways. Prime parcel for residential Massanutten and Blue Ridge Mountains.
dining room, family room, kitchen, 4 bedrooms, septic approval. Near George
development, zoned R1 and R2. REALTOR ®
den and basement. Many outbuild- Washington National Forest. Excellent access!
Conveniently located for PA and MD ings, 4-car garage and so much
residents. $1,400,000. $220,000.
Contact Jim Bull or Jerry Fisher Contact Cynthia Dellinger
Contact John Gainer, Town & United Country Shenandoah Valley Realty,
Keller Williams Realty Lancaster, 717.951.5620. Country Realty, 717.898.9136. 540.477.9791.
MidAtlantic Farm Credit PRSRT STD
P.O. Box 770 PAID
Westminster MD 21158-0770 BALTIMORE MD
PERMIT NO. 7175
Info at Your Fingertips.
If you have a question about your account, you can always call your local Farm Credit office. But what if you have
a question after midnight? Or on a Sunday?
Your account information is available 24/7 with Farm Credit’s AccountAccess. You can check your loan balance, see
how much interest you’ve paid, and find the amount of your next payment. You can make loan payments, transfer
money between your line of credit and your bank account, and view and print your 1098 and 1099 tax documents.
Don’t know how? We have an easy-to-learn demo right on our site—just go to mafc.com
and look for the link to AccountAccess. It’s just a quick tutorial and you’ll graduate to a
world of easier access!
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