A different kind of lender by wuyunyi


      Farm Credit

Financing Rural America for More Than 90 Years

Cooperative’s Leaders
of Commitment
Photo COntest

                                                 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

                                                           ddawson@mafc.com 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
                                                           business associates.
                                                           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

2               midatlanticfarmcredit

                               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
                                                                                                                      country’s population
                                                                                                                      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

      2                                                                                  3

                                                                                                                                          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.
                                                                                                                               (center), his
                                                                                                                           wife Betty and
                                                                                                                           their son Fred III
                                                                                                                           can be justifiably
                                                                                                                           proud of their
                                                                                                                           success in growing
                                                                                                                           their 2,300-acre
                                                                                                                           grain and poultry
                                                                                                                           operation in Sussex
                                                                                                                           County, DE.

                                                                                                                           2   Ron Lindale,
                                                                                                                               MAFC loan
                                                                                                                           officer, and Fred
                                                                                                                           are dwarfed by a
                                                                                                                           sprayer, one of
                                                                                                                           several pieces of
                                                                                                                           farm equipment
                                                                                                                           that has been
                                                                                                                           financed through
                                                                                                                           Farm Credit over
                                                                                                                           their quarter-
                                                                                                                    1      century long

    A Leader And A Lender:                                                                                                 3   With five

    Working To Make A Difference                                                                                               poultry houses
                                                                                                                           sited on their
                                                                                                                           respective farms,
    story and photos by GARY HORNBACHER                                                                                    Fred and his son
                                                                                                                           Freddie have
    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
                                                                                                                           lender’s mission.
      2                                            3

                                                                                                                           5   Betty, who
                                                                                                                           bookkeeping for
                                                                                                                           the family farm,
                                                                                                                           shares Fred’s hope
                                                                                                                           that successive
                                                                                                                           generations will
                                                                                                                           continue to farm.
                                                                                                                                          farm | land
  4                                                                                                  5

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
                                                                                                                               (middle), MAFC
                                                                                                                           loan officer, enjoys
                                                                                                                           the opportunity to
                                                                                                                           visit with J.P. (left)
                                                                                                                           and Dick Burns. The
                                                                                                                           brothers value the
                                                                                                                           personal relationships
                                                                                                                           they have developed
                                                                                                                           with Farm Credit loan
                                                                                                                           officers over the years.

                                                                                                                           2    With urban
                                                                                                                                development in
                                                                                                                           their horizon, the
                                                                                                                           Burns brothers are
                                                                                                                           working to hold on to
                                                                                                                           their farm. They were
                                                                                                                           approached about
                                                                                                                           selling the farm but
                                                                                                                           they turned down the
                                                                                                                           offer. They want to
                                                                                                                           keep doing what they
                                                                                                                           love—farming the
                                                                                                                    1      land they own.

    Burns Family Farm:                                                                                                     3   The Burns’
                                                                                                                               commercial cow
                                                                                                                           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.
    determination and
    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
                                                                                                                              children (from
                                                                                                                              left), 18-year-old
                                                                                                                              Heather, two-year-
                                                                                                                              old Phoebe, and
                                                                                                                              16-year-old Phillip
                                                                                                                              enjoy the graceful
                                                                                                                              expanse of their
                                                                                                                              front yard next to
                                                                                                                              the soybean fields,
                                                                                                                              with a picturesque
                                                                                                                              tree line offering

                                                                                                                              2   Son Phillip
                                                                                                                                  sheers a
                                                                                                                              young cow. Their
                                                                                                                              involvement in 4-H
                                                                                                                              and FFA activities
                                                                                                                              have helped to keep
                                                                                                                              the kids interested
                                                                                                                              in agriculture.

     From Cows To Crops:                                                                                                      3   MAFC loan
                                                                                                                                  officer Carla
                                                                                                                              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
                                                                                                                              visits Kenneth
     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,
                                                                                                                              two-year-old Phoebe
                                                                  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.
                                                                                                                              especially the
     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

                To Everything
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

                                                                                                            your association
                                                                 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
                                                                                   New Year!
                                                                                                                               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
     Sam Miller
     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
     Jens Andersen
     Jefferson, MD                    September:
     Photographed and submitted by    Photographed by                            3
     Bradley Shaffer                  Lorraine Baugher Jones;
     Fort Valley, VA                  submitted by
                                      Marjorie Baugher
     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
     Cindy Stys
     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
     Liz Zander
14   Dickerson, MD
nty Fairs and Ag Events

                                                                                                                                                                                 your association






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
                                              CUTE KIDS

            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
                                                                                                                 or 410.708.0891.
                                       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

                                                                                                                                               EQUAL HOUSING
                                                                                                                                                                               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
                                                                                                                                                  EQUAL HOUSING
                                                     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.
                                                     Agricultural. $685,000.
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.
Professionals, 301.371.4415.
                                                                                                                                                   REALTOR          ®
     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.

         Coplay, Pennsylvania

                                                          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

                                                                                                                                                     EQUAL HOUSING
                                                                                                                                                                                  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
                                                                                                                                                        EQUAL HOUSING

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.
                                                          more! $1,200,000.
Contact Jim Bull or Jerry Fisher                                                                     Contact Cynthia Dellinger
                                                          Contact John Gainer, Town &                United Country Shenandoah Valley Realty,
                                                                                                                                                          EQUAL HOUSING

Keller Williams Realty Lancaster, 717.951.5620.           Country Realty, 717.898.9136.              540.477.9791.

        MidAtlantic Farm Credit                                                                                        PRSRT STD
                                                                                                                      U.S. POSTAGE
        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!


Lending support to rural AmericaTM                                                                                   mafc.com

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