Summer - AgSouth Farm Credit

Transcription

Financing Rural America
Summer 2010 | $2.95
www.agsouthfc.com
www.ikeepitrural.com
“Leasing makes it easier to manage my cash flow.”
– Lane Wade
AgSouth’s Out in the Country is published three times
a year for stockholders and friends of AgSouth.
President
William P. Spigener, Jr.
Board of directors
Chairman: A. Harvey Lemmon, Woodbury, Ga.
Vice Chairman: Arthur Q. Black, York, S.C.
Gary L. Alexander, Westminster, S.C.
Harry S. Bell, Ward, S.C.
James C. Carter, Jr., McDonough, Ga.
Thomas H. Coward, Aiken, S.C.
Loy D. Cowart, Twin City, Ga.
Lee H. DeLoach, Statesboro, Ga.
Diane H. Edwins, Ridgeville, S.C.
Eugene W. Merrit, Jr., Easley, S.C.
Jimmy B. Metts, Pearson, Ga.
Jerome G. Parker, Reidsville, Ga.
Charles C. Rucks, Brooks, Ga.
Raymond L. Tumbleston, Meggett, S.C.
Hugh E. Weathers, Bowman, S.C.
John R. Wells, Carrollton, Ga.
David H. Womack, Claxton, Ga.
EDITOR
Rhonda Uzzolino
Leasing—
the Easiest Way
to Add to Your
Profit Margin
Need new equipment or farm building?
LEASE IT !
CALL FOR DETAILS.
Co-Editors
Miriam Pflug
Christy Smith
Publisher
AgFirst Farm Credit Bank
Publishing director
Donna Camacho
Design TEAM
Athina Eargle, Darren Hill,
Amanda Simpson, Travis Taylor
Circulation
Kathi DeFlorio
Address changes, questions, comments or requests for copies
of financial reports should be directed to AgSouth Farm Credit
by writing Darlene Ellis at PO Box 718, Statesboro GA 304590718 or calling 800-633-9091. If you prefer, you may send your
request via email to dellis@agsouthfc.com.
AgSouth Farm Credit does not endorse or accept responsibility
for the advertisements contained in this publication and is
not responsible for any misrepresentations contained therein,
including misprints. Opinions and statements contained in
advertising are those of the advertisers.
To advertise in AgSouth’s Out in the Country, email Rhonda
Uzzolino at ruzzolino@agsouthfc.com or call 803-767-1559.
AgSouth reserves the right to refuse publication of any advertising
deemed inappropriate in the opinion of management.
Christian Taylor
Douglas, Ga | 912-384-3200 | 800-334-1224
We appreciate your comments! We hope you enjoy AgSouth’s
Out in the Country. Please thank our advertisers and let them
know you saw their ad in our magazine. Advertising helps defray
the cost of printing and mailing your cooperative’s magazine. If
you have any comments or suggestions about AgSouth’s Out in
the Country articles, columns or advertisements, please contact
Rhonda Uzzolino at ruzzolino@agsouthfc.com or 803-767-1559.
Please support your Out in the Country advertisers!
PRINTED WITH
SOY INK
TM
From the Editor
In This Issue
member information
T
Important Crop Insurance Dates. . . . . . . . 4
here’s an age-old question every mother gets asked at some point: “Mom, where
do babies come from?” More and more today, I think our younger generations are
adding, “Mom, where does our food come from?”
No longer does the average kid just accept the fact that the food we eat comes from the
grocery store. They’re a more curious generation than we were. They don’t want to know
only that dinner will be ready at five; they have the audacity to ask WHAT is for dinner and
how it’s going to be cooked. As the mother of three girls who are “watching their figures,” I
know that the mashed potatoes with a stick of butter and biscuits and gravy and fried meat
I grew up on probably won’t meet their standards.
Snapshots from Around the Association. . 6
What’s New with AccountAccess? . . . . . . . . 7
AgSouth Sponsors UGA Students at
Congressional Ag Fellowship. . . . . . . . . . 8
Branden Williams Honored by FFA. . . . . . 8
Notes of Appreciation from
Scholarship Recipients. . . . . . . . . . . . . . . 9
AgSouth Returns $14.3 Million in
Allocated Surplus . . . . . . . . . . . . . . . . . . . 10
They want LEAN meat (and don’t understand why the best part of fried chicken is the
Annual Meeting. . . . . . . . . . . . . . . . . . . . . . . 10
chicken skin!) They want fresh fruit that’s actually in season and hasn’t been traveling for
Part of the Economic Impact, etc. . . . . . . . 11
weeks from another country. They want homemade bread and jams for their sandwiches
Why Do Our Customers Do Business
with AgSouth?. . . . . . . . . . . . . . . . . . . . . . 12
(which just ain’t happening at my house). Bottom line is they want fresh whenever they
can get it, sans chemicals.
In this issue, we’re exploring what locally grown really is and who is benefitting from
buying locally. I know that I, for one, have been visiting our local farmers market more
often and coming home with fresh fruits and vegetables that just say, “Taste me! I’m better
than what’s in the can.” My cabinets these days are emptier than my refrigerator, and that’s
a good thing!
Member Spotlight
Ambrose Family Farms. . . . . . . . . . . . . . . . 14
Mortgage Market
Your Guide to Home Financing . . . . . . . . . 18
How Can I Improve My Credit Score?. . . . 19
Rhonda Uzzolino
Rhonda Uzzolino
Editor
Member Spotlight
A Small, But Unique CSA Caters
to a Special Clientele . . . . . . . . . . . . . . . . 21
Association News
AgSouth’s Douglas Office Hosts the
Magnolia Market. . . . . . . . . . . . . . . . . . . 22
AgSouth Serves Breakfast at the
Landrum Farmer’s Market . . . . . . . . . . 23
Feature
Tilapia—The New Super Fish . . . . . . . . . . 24
Member Spotlight
Fishing, Farming, Forestry and Football. . . 27
Agribusiness
Career Counseling 101. . . . . . . . . . . . . . . . 30
Association News
AgSouth Employees Retire . . . . . . . . . . . . 33
Meet the AgSouth Staff . . . . . . . . . . . . . . . 34
Marketplace. . . . . . . . . . . . . . . . . . . . . . . . . 35
m emb er
infor m ation
F eature
Important Crop Insurance Dates
Please be sure to contact one of our crop insurance agents prior to the following dates
for assistance with these crop insurance programs.
8-31-10
Contract Change Date—AGR-Lite,
Blueberries, Peaches
9-30-10
Sales Closing Date/Cancellation
Date—Barley, Oats, Wheat, Rye
10-15-10
End of Insurance Period—
Tobacco (GA)
11-10-10
Tomatoes (SC)
8-31-10
Contract Change Date—Clams,
Tomatoes (SC)
9- 30-10
Sales Closing/Cancellation—
Pasture, Rangeland, Forage
(PRF) and Apiculture (API)
Rainfall Index
10-15-10
Production Reporting Date—
Onions (GA)
11-14-10
Barley, Oats, Wheat, Rye
10-20-10
Final Planting Date—Onions: Fall
Direct Seeded (GA)
11-15-10
Acreage Reporting Date—
(PRF) and Apiculture (API)
Rainfall Index
8-31-10
Date—Onions (GA)
9-15-10
Billing Date—Blueberries,
Peaches
9-15-10
Blueberries
9-20-10
Initial Planting Date—Onions:
Fall Direct Seeded (GA)
9-30-10
End of Insurance Period—Peaches
10-01-10
Billing Date—Clams (SC)
10-01-10
Billing Date—Tomatoes (SC)
10-01-10
Billing Date—Corn, Grain
Sorghum, Peanuts, Soybeans,
Tobacco
10-01-10
Billing Date—Pasture,
Rangeland, Forage
10-31-10
Contract Change Date—Pecans
10-31-10
Tobacco (SC)
11-01-10
Billing Date—Cotton
11-01-10
Initial Planting Date—Onions:
Transplanted (GA)
11-20-10
Sales Closing Date/ Cancellation
Date—Blueberries, Peaches,
Apples
11-20-10; 11-30-10
Final Planting Date—Barley,
Oats, Wheat
11-30-10
Billing Date—Pecans
We’ve got you covered.
When Mother Nature takes its toll on your crops, you don’t have to worry if you’ve got AgSouth behind you!
AgSouth offers crop insurance and Weatherbill protection so you can relax no matter what Mother Nature throws your way.
Call your AgSouth crop insurance salesman today to make sure your crops—and your family—are protected!
866.585.6234 | agsouthfc.com
We are an equal opportunity provider and employer.
AgSouth Farm Credit
4
11-30-10
Contract Change Date—Corn,
Cotton, Grain Sorghum, Peanuts,
Soybeans, Tobacco
11-30-10
Peanuts
11-30-10
Final Planting Date—Rye (SC)
11-30-10
Date/Acreage Reporting Date—
11-30-10
Sales Closing Date/Acreage
Reporting Date/End of Insurance
Period/Cancellation Date—Clams
(SC)
12-01-10
Billing Date—AGR-Lite
12-10-10
End of Insurance Period—Corn,
Grain Sorghum, Soybeans
12-15-10
Acreage Reporting Date—Barley,
Oats, Wheat, Rye
12-31-10
End of Insurance Period—Cotton
1-10-11
Production Reporting Date,
Blueberries
1-15-11
Production Reporting Date/
Acreage Reporting Date—Peaches
1-31-11
Sales Closing Date, End of
Insurance Period, Cancellation
Date—Pecans
1-31-11
Date—Tomatoes (SC)
4-1-11
Initial Planting Date—Peanuts
(GA)
5-31-11
Final Planting Date—Peanuts
(GA)
1-31-11
Contract Change Date—Nursery
4-11-11
Initial Planting Date—Grain
Sorghum
6-1-11
Tobacco
4-14-11
Corn, Cotton, Grain Sorghum,
Peanuts, Soybeans, Tobacco
6-1-11
End of Insurance Period—Onions
(GA)
2-01-11
Final Planting Date—Winter
Transplanted Onions (GA)
2-01-11
Acreage Reporting Date—Fall
Direct Seeded Onions (GA)
2-28-11
Sales Closing Date—Corn/
Cotton/Grain Sorghum/Peanuts/
Soybeans/Tobacco
2-28-11
Cancellation Date—Corn/
Cotton/Grain Sorghum/Peanuts/
Soybeans
3-01-11
Initial Planting Date—Corn
3-01-11
Production Reporting Date,
Acreage Reporting Date—Pecans
3-01-11
Acreage Reporting Date—Winter
Transplanted Onions (GA)
3-15-11
Initial Planting Date—Spring
Transplanted Tomatoes (SC)
3-15-11
Cancellation Date—Tobacco
3-17-11
Tomatoes (SC)
3-26-11
Initial Planting Date—Peanuts
(SC)
4-16; 4-30-11
Initial Planting Date—Soybeans
4-30-11
Final Planting Date—Tobacco
(GA)
4-30-11
Final Planting Date—Tomatoes:
Spring Planted (SC)
4-30; 5-15; 5-31-11
Final Planting Date—Corn
5-1-11
Sales Closing Date—Nursery
5-15-11
Tomatoes: Spring Planted (SC)
6-10-11
Final Planting Date—Grain
Sorghum
6-15-11
Final Planting Date—Soybeans
6-30-11
Acreage Reporting Date—Corn,
Cotton, Grain Sorghum, Peanuts
6-30-11
Contract Change Date—Barley,
Oats, Wheat, Rye
6-30-11
Contract Change Date—Future
Issues
5-15-11
Final Planting Date—Tobacco
(SC)
5-20; 5-25; 5-31-11
Final Planting Date—Cotton
5-25-11
Final Planting Date—Peanuts
(SC)
5-31-11
Cancellation Date/End of
Insurance Period—Nursery
This notice is for informational purposes only. Policy provisions will prevail. AgSouth is an equal opportunity provider.
If you know of someone who needs crop
insurance or would like more information
about our products, please contact one of the
the insurance agents listed below:
Jimmy Dockery Douglas, Ga.
800-334-1224
jdockery@agsouthfc.com
From the left: Roger Uldrick, Sandra Crews, Jimmy Dockery, Sam Perry, Missy Givens, Cindy Saxon
Out in the Country Summer 2010
5
Sandra Crews
800-522-0596
Blackshear, Ga. skcrews@agsouthfc.com
Cindy Saxon
800-633-9091
Statesboro, Ga. csaxon@agsouthfc.com
Roger Uldrick
800-868-6546
Orangeburg, S.C.
ruldrick@agsouthfc.com
Sam Perry
800-868-6758
Summerville, S.C.
sperry@agsouthfc.com
Me mb er Infor m ation
Snapshots from Around the Association
AgSouth recently sponsored two of the 26 couples who attended the
2010 Co-op Education Conference for Couples in Pawley’s Island,
S.C. According to AgSouth Marketing Manager and S.C. Cooperative
Council Conference Chairman Miriam Pflug, “The three-day event
allowed couples to engage in breakout sessions, where they gained an
in-depth look at the inner workings of cooperatives.”
From the left: AgSouth Farm Credit Region 1 Chief Lending Officer Van
McCall, AgSouth members Colin Matthews, Niamh O’Malley, Carol Anne
Tholkes, Jon Tholkes and AgSouth Loan Officer Shane Boyer.
We salute AgSouth’s USC Gamecocks Athletes
of the Year, Pedro Campos and Brooke Jacobs.
Throughout the school year, Gamecock
student athletes were selected by the Athletic
Department as AgSouth Athletes of the Week
for their outstanding athletic accomplishments. Based on those weekly winners, fans
were given the opportunity to vote for the
AgSouth Athletes of the Year.
Pedro Campos, Men’s Tennis
Brooke Jacobs, Women’s Soccer
Golfer Ben Martin and women’s tennis player
Jospia Bek have been named AgSouth’s
Home Grown Student Athletes of the Year
at Clemson University. The award takes into
account both performances on the field and
in the classroom.
AgSouth’s Region 2 Chief Lending Officer
Owen Smith (center) presents the awards to
Bek and Martin at the Clemson baseball field.
AgSouth Farm Credit
6
Congratulations to AgSouth Regional Vice President Karen Baxley, in
our Rock Hill, S.C., office, who was recently named the South Carolina
Cattlemen’s Association 2010 Associate of the Year. Karen received the
Award of Excellence from Cattlemen’s President Brandon Hurley.
What’s New with
AccountAccess?
A
gSouth is constantly on the lookout for new and improved
methods of serving our members, including helping you
when we’re not available to talk with you. To that end, we’ve
made some changes to our online AccountAccess we think you’ll like:
New Design—We’ve added our logo, made the screen cleaner and
used larger fonts for easier reading and maneuvering.
Improved Navigation—We’ve added tabs to make it easier to switch
your viewing from one loan to another, and we’ve added FastCash and
payment links to take you straight to this information.
Paid Out Loans—We’ve added a section for paid out loans so you can
From the left: Baxter Black, cowboy comedian, Brandon Hurley,
president of the South Carolina Cattlemen’s Association, and AgSouth’s
Karen Baxley.
access information on loans paid out within the past 12 months.
Coming Soon!
The next version of AccountAccess will allow members to sign up for,
schedule and maintain your AutoDraft payments. It will also allow your
FastCash transfers to be scheduled up to 35 days in advance. Look for
Congratulations to Sarah Tobin and her horse Blue, who won the
these improvements and others as we continue to find ways to improve
championship in the horse program record book contest held at the
our service to you.
State 4-H Horse Show at Clemson University this June. AgSouth
co-sponsored the event. Sarah is the daughter of AgSouth employee
Audrey Tobin and her husband, Rick, of Walterboro, S.C.
7
Me mb er infor m ation
AgSouth Sponsors UGA Students at
Congressional Ag Fellowship
By: Christy Smith, Marketing Specialist
A
gSouth recently awarded scholarships to UGA students
to attend the Congressional Agricultural Fellowship in
Washington, D.C. this summer.
In order to be eligible, students must be in the College of
Agricultural and Environmental Sciences at UGA, have completed at
least 60 semester hours, plan to continue undergraduate study at UGA,
be in good academic standing, have good interpersonal and public
relations skills and a record of campus involvement, have a background
or interest in agriculture, food or natural resources and give both oral
and written presentations.
Scholarship recipients will attend agriculture committee hearings,
prepare briefs, conduct ag research, meet with constituents and write
papers detailing their Washington experience as ag interns. Upon
completion of the internship, each student will earn three semester
credit hours toward an undergraduate degree.
From the left, back row: AgSouth Farm Credit Loan Officer Shane Boyer,
William Collins, Mark Smith, Zeb Duvall and AgSouth Regional Vice
President Ricky Cochran
Front row: Shruti Suresh, Maggie McBrearty, Katie Williams and
Angela Boothe
Branden Williams Honored by FFA
By: Myrtle Jones, Loan Specialist
M
ontgomery County High School senior Branden Williams
Through his accomplishments in these areas, Branden was named
was honored as the FFA Central Region Proficiency
the Central Region Star in Agriculture Placement. He is one of three
Winner in the area of diversified crop production
FFA members from across the state who was a finalist for the State Star
placement and in the area of vegetable crop production placement.
in Ag Placement Award, the highest award given by the Georgia FFA
This is the third year that Williams has received the award for diver-
Association. FFA makes a positive difference in the lives of students
sified crop production and the second year for winning the vegetable
by developing their potential for premier leadership, personal growth
crop production. He was the 2008 fiber and oil crop production state
and career success through agricultural education.
winner for Georgia.
Branden is the son of Ronald and Cindy Williams of Uvalda, Ga.,
Branden has served as a past chapter sentinel of the FFA and is
and the brother of AgSouth member Brett G. Williams of Williams
currently the chapter president. He has also competed in the EMC
Farms in Uvalda. Brett is a young, beginning and small farmer and has
Electrical Wiring CDE, Tractor Operations and Maintenance CDE,
been a member of the association for six years. Williams Farms, which
Lawnmower Operations and Maintenance CDE, Agricultural Mechanics
employs Branden, produces Vidalia Sweet Onions , cotton, corn
CDE and Forestry CDE.
and wheat.
®
AgSouth Farm Credit
8
Notes of Appreciation
from Scholarship Recipients
9
Me mb er infor m ation
AgSouth Returns $14.3 Million in Allocated Surplus
E
arlier this year AgSouth distributed
$14.3 million in allocated surplus
revolvements to its members in
Georgia and South Carolina.
According to Chief Financial Officer
Alisa D. Gunter, “AgSouth is committed
to cooperative principles and strives to
return the allocated surplus portion of
its patronage payments to members in a
five-year turnaround. This revolvement
represents allocated surplus for the year
ending December 31, 2004.”
Allocated surplus distributions are
another way that AgSouth puts OUR profits
in YOUR pockets!
AgSouth Directors, from the left: Jimmy Metts, Loy D. Cowart, Arthur Black, John Wells,
Hugh Weathers, Harry Bell, Jerome Parker, Raymond Tumbleston, Diane Edwins, Gary Alexander,
Charles Rucks, Lee DeLoach, Jimmy Carter, Tommy Cowart, David Womack, Eugene Merritt and
Harvey Lemmon
Annual Meeting
M
ake plans to attend your
annual meeting this fall.
Learn how your association
is holding up in this economy and
exercise your right to determine the
Monday, October 18
Orangeburg, SC
The Cinema, Old Orangeburg Mall
leadership and growth of the association
by participating in the election of the
board. You’ll also have a chance to win
some pretty good prizes. Mark your
Tuesday, October 19
Clinton, SC
First Presbyterian Family Life Center
calendar for the meeting nearest you!
AgSouth Farm Credit
10
Monday, October 25
Statesboro, GA
Nessmith-Lane Center at GSU
Tuesday, October 26
Eatonton, GA
Rock Eagle 4-H Center
Part of the Economic Impact
in Your Local Community
By: Alisa D. Gunter, Chief Financial Officer
D
uring fiscal year 2009, AgSouth loaned a total of $614 million
cash portion of the 2009 patronage distribution. In April, AgSouth paid
in new money to our member/borrowers. What did this money
out $14.3 million in allocated surplus from fiscal year 2004.
do? It purchased real estate for agriculture and recreational
Some of you may have taken your patronage and/or surplus checks
use. It bought tractors, combines, irrigation pivots, fertilizer, livestock
and paid down your existing loans. Others may have used the money to
and feed. It built homes, barns and sheds in rural communities. Each
go on vacation, put a down payment on a new truck, start a home renovation
of these activities generates economic activity, and it started with your
project, pay college tuition or make a deposit in your savings account.
dream and your decision to borrow money from AgSouth.
Regardless, your use of the patronage distribution fueled the economic
Our patronage distribution is another way AgSouth spurs economic
engine in your communities. The charts below show the cash paid in the
activity in your communities. During the spring of 2010, AgSouth
counties served by your association in 2010. You can be proud that AgSouth
distributed a combined total of $21.2 million in cash and allocated surplus
is tied to the communities we serve and dedicated to operating in a safe
to our members. In March, the association paid out $6.9 million as the
and sound manner so we can continue to pay strong patronage distributions and revolve allocated surplus on a regular basis.
Total Patronage Cash & Allocated Surplus Paid in 2010
Georgia
South Carolina
County
Total Paid
County
Total Paid
Appling
Atkinson
Bacon
Brantley
Bryan
Bulloch
Butts
Camden
Candler
Carroll
Charlton
Chatham
Clayton
Clinch
Coffee
Coweta
Dekalb
Douglas
Effingham
Emanuel
Evans
Fayette
Fulton
Glynn
Greene
Gwinnett
Haralson
Harris
Heard
Henry
$ 522,185
402,121
370,827
88,972
33,984
448,485
31,575
94,460
88,542
102,765
66,712.
66,667.
14,605
209,264
524,874
244,881
42,177
20,783
290,138
99,889
201,666
54,155
457,541
196,585
256,710
210,876
22,405
55,023
124,007
83,568
Jasper
$ 44,523
Jeff Davis
230,373
Jenkins
132,223
Lamar
105,135
Liberty
42,937
Long
20,570
Mcintosh
48,082
Meriwether
285,403
Monroe
390,897
Montgomery
58,944
Morgan
296,163
Muscogee
38,124
Newton
70,789
Oconee
397,384
Peirce
230,779
Pike
167,851
Putnam
76,490
Rockdale
64,271
Screven
132,533
Spalding
110,211
Talbot
153,024
Tattnall
319,087
Toombs
308,808
Troup
235,174
Upson
131,988
Walton
89,388
Ware
233,231
Wayne
195,290
Wheeler
148,773
County
Total Paid
County
Abbeville
Aiken
Allendale
Anderson
Bamberg
Barnwell
Beaufort
Berkeley
Calhoun
Charleston
Cherokee
Chester
Colleton
Dorchester
Edgefield
Fairfield
Greenville
$ 133,067
705,821
219,709
817,183
174,413
218,618
125,745
268,588
231,243
670,736
64,910
152,476
399,446
209,284
258,247
170,974
332,508
Greenwood $ 158,348
Hampton
559,210
Jasper
176,737
Kershaw
172,521
Lancaster
164,712
Laurens
543,346
Lexington
448,126
Mccormick
27,514
Newberry
431,132
Oconee
679,290
Orangeburg
757,910
Pickens
224,496
Richland
450,183
Saluda
271,373
Spartanburg
432,791
Union
71,327
York
252,012
Grand Total
$21,158,882
11
Total Paid
Me mber I nfor m ation
Why Do Our Customers
Do Business with AgSouth?
Last quarter some of our customers talked about how patronage factors into their decision to make AgSouth their lender of choice. But there are
many other reasons our customers love us. We’re letting them continue to tell the AgSouth story here in their own words.
“I have always enjoyed doing business with
AgSouth and appreciate the fact that the
loan officers have an understanding of my
business and the cattle industry.”
—Brandon Hurley
Loan Officer Will Taylor (left) with Brandon Hurley
“I like doing business with AgSouth because of
the patronage program. Every year AgSouth
puts money back into my pocket.”
—Mike McCravy
Regional Vice President Teddy Howard (left) with Mike McCravy
“AgSouth has helped us settle into home and
land ownership with amazing ease. They
were there every step of the way with their
excellent customer service … !”
—Matt & Ashley Burns
Loan Officer Eva Leatherman (left) with Matt & Ashley Burns
AgSouth Farm Credit
12
David Wilson (left) with Regional Vice President
Karen Baxley
“AgSouth has been a part
of my life for 25+ years,
starting with my first
stock trailer in 1984, to
my third set of breeder
houses in 2010. Unlike
other bankers, Karen
[Baxley] always shows
interest and knowledge
of my farm and family’s
well-being. Last, but not
least, I love getting those
patronage checks
in the spring!”
—David Wilson
“AgSouth knows about farming … and the
profits go in MY pocket!”
—Richard W. Vickers
Regional Vice President Stan Carver (left) with Richard Vickers
13
Me mber Sp otlight
Ambrose Family Farms
How a Community Saved the Farm!
By: Jerry Bishop, Regional Vice President
T
hree years ago, long-time AgSouth
was to cut out the middleman and deliver
The Ambrose CSA program is just one of
Farm Credit member Pete Ambrose,
fresh produce weekly to consumers. The CSA
the many CSA groups that have grown up over
of Ambrose Family Farms in
would establish specific drop-off points where
the last 20 years. With the establishment of
Charleston County, S.C., was looking for a way
customers could pick up their farm fresh
the Certified South Carolina Grown campaign
to diversify his operation when he came upon
produce on specified days, and the products
instituted by Commissioner of Agriculture
the idea of starting an area CSA (Community
would consist of whatever summer vegetables
Hugh Weathers in March of 2009, in which
Supported Agriculture) group. Ambrose says
were ready for harvesting at that time.
South Carolinians are urged to eat locally
he had begun thinking of ways to diversify
grown products, more people are visiting their
because of something AgSouth Regional Vice
local farmers markets these days instead of
President Karen Baxley, of Rock Hill, said to
buying shipped in produce from the grocery
him at a meeting. “During our discussion,
stores. “It’s all about eating what’s good for you
Karen told me that most farmers get out [of
… eating fresh foods,” emphasizes Ambrose.
farming] two years too late. I didn’t want to
be one of those farmers.”
Left: Members of the CSA get a weekly
delivery of freshly picked produce.
Ambrose, who has been farming and
shrimping nearly all of his life, formed a group
to bring fresh produce directly to the public
Above: Pete Ambrose and wife, Babs, at the
Tomato Shed Café
in and around the Charleston area. The idea
AgSouth Farm Credit
14
“I trust AgSouth with my financing because they’ve been here for me
all along and their loan officers give excellent advice.”
— Pete Ambrose
Ambrose was startled by the number of
people who initially signed up for the CSA.
“We sent out a bunch of brochures to healthrelated businesses and expected to get maybe
300 families to sign up,” he explains. Instead,
nearly 650 families signed up to have fresh
produce delivered almost to their doorstep,
and another hundred or so regularly stop
by to pick their own produce fresh off the
130-acre farm or at Ambrose’s farm market,
Stono Market. The farm has seen up to 500
visitors a day during its busiest time of year.
All of the products on the farm are naturally
grown, on their way to being certified organic.
“The only thing standing in the way of the
certification,” explains Ambrose, “is all the
paperwork.” He expects that next year’s crops
will be certified organic.
Individuals who participate in the CSA
sign up for a 12-week delivery program that
begins in April and runs through mid-July.
With four sizes of packages to choose from,
deliveries are custom made to accommodate
an individual or a large family. Customers get
everything from squash to corn to tomatoes
and peppers, depending on what is ripe that
week from a variety of approximately 40 fruits
and vegetables that are planted.
Ambrose workers harvest six days a
week and load boxes three times a week. The
food is stored in a 40-foot trailer kept at 42
degrees until time for delivery. Nothing stays
in the refrigerated container more than 3
days. There are around 20 drop-off locations
from Goose Creek to Summerville to Mt.
Pleasant with anywhere from 60-70 people
picking up at any one location. Everything is
pre-paid, so whatever doesn’t get picked up
by patrons is donated to the Palmetto House,
a shelter for the homeless, or to other local
groups supporting families in need. Ambrose
also delivers to restaurants in and around
Charleston. The CSA operation run by Ambrose
Family Farms is now the largest CSA in the
area, supplying more than 1,000 families and
restaurants with fresh fruits and vegetables.
One of the drop-off points is the Stono
Farm Market/Tomato Shed Café on John’s
Island, which Ambrose and his wife, Babs,
began in 1990. Last year Charleston’s Post and
Courier named the cafe the “Lunch Counter
of the Year.” The newspaper further claims
that the restaurant has the best crab cakes
and tomato pie around. Having tasted them
myself, I’m hard pressed to disagree with
them. The restaurant serves all local produce,
most of it from the Ambrose farm. Not only do
they cook with it, but they also sell the fresh
fruits and vegetables in the small market
Continued on next page
15
Above: Ambrose shows AgSouth Loan Officer
Drew McClam (in yellow) how the produce is
housed. The daily board sheet tells packers
what to put in each package.
Below: Ambrose Farms tomatoes are sold at
the Columbia Sandhill Farmer’s Market.
Me mber Sp otlight
Continued from last page
attached to the restaurant. For more information on the restaurant and market, visit
www.stonofarmmarket.com.
And the Ambrose CSA’s following is a
loyal one. When a neighbor filed a lawsuit
stating that road dust from the delivery trucks
and cars coming and going from the farm was
encroaching on his land and bothering his
horses, fans gathered to protest with bumper
stickers—“No farms, no food”—and a Facebook
page in support of the farm. Save Ambrose
Farm’s Facebook page has more than 4,200
fans, and they’ve set up an account to help
Ambrose with the legal fees revolving around
the lawsuit.
According to the site, if Ambrose
Family Farms loses the lawsuit, “thousands
of families could be left out of a chance for
affordable, fresh, local organic produce, and
the community without even more jobs at a
time when we can’t afford it.” Another fan put
it more succinctly: “… You don’t get between
a Southerner and his tomatoes.” Many of the
fans post updates on what they picked on
the farm that day, how good the quality of
the produce and berries is, and even recipes
and photos of the meals they have made from
items from the farm. Pete says that during
The new CSA delivery truck is loaded three times a week and makes deliveries at dozens of
Charleston-area locations.
the hottest point of the debate so far, many
committee members thought he was too
fans even changed their Facebook photos to
conservative in granting loans, and he
the “Who’s Your Farmer?” logo the farm has
eventually left the committee, but stayed on
adopted to show their support for the farm.
as an association member. “I have a good
Never underestimate the value of a good
relationship with Jerry [Bishop, an AgSouth
reputation and word-of-mouth—or a good,
regional vice president in Summerville, S.C.].
straight-off-the vine tomato!
All I have to do is pick up the phone and give
Ambrose became an association member
him a call, and he can often give me an answer
in 1976, when it was called the Coastal
right then and there. I trust AgSouth with my
Production Credit Association. As a farmer
financing because they’ve been here for me
and shrimper for more than 30 years, at one
all along and their loan officers give
point he was even on the association’s advisory
excellent advice.”
committee for shrimp loans. Some other
Left: Ambrose and AgSouth employees, Jerry Bishop and Drew McClam, inspect the blackberry crop.
Below: Allison Davis and siblings, Julien and Alexandra Noble, already know how to select the
ripest berries.
AgSouth Farm Credit
16
Mortgage Market
Your Guide to Home Financing
By: John Wight, Mortgage Originator
The Mortgage Process
The mortgage process is a series of steps that consists of qualifying,
It is very important that you provide accurate information on the
processing, underwriting and closing your loan. Your AgSouth originator
application. This speeds up the process and helps eliminate the chances
will guide you through the entire process from the initial application
of any unexpected delays or problems that could keep you from getting
to closing. We will keep you up to date on your loan status, answer
your mortgage loan.
your questions and obtain all of the documentation and information
the underwriter may need.
After we receive and review your loan application, we will provide
you with the required disclosures and request the supporting documentation from you.
AgSouth Mortgages Program Highlights
Benefits and Features
• Programs for urban, suburban and rural properties
• Visit www.agsouthmortgages.com to learn more about home loans
• Programs for primary residences, second homes and
investment properties
• Use our online calculator to estimate your mortgage payments or
to determine how much house you can afford
• Conventional programs with 10 - 30-year fixed rate terms
• Find out answers to frequently asked questions
• FHA, VA and USDA rural development programs
• Obtain free pre-qualification
• Purchases
• Apply for a mortgage by phone, online or in a face-to-face
application at a designated time and place convenient to you
• Refinances for both rate/term and cash-out transactions
• Manufactured home programs
• Construction loans and lot loans (subject to eligibility)
• Programs for homes with large acreages
Checklist for Mortgage Loan Applicants
• Identification: Copy of driver’s license, passport or other
government-issued form of ID.
• Residence: (For borrower and co-borrower) Address for past two
years with zip code, dates lived at each location and, if rented
during the past two years, landlord’s or rental company’s name
and phone number.
• Employment: (For borrower and co-borrower) Names, addresses,
phone numbers and dates worked for each employer for the past
two years, originals of last two years’ W-2s and most recent pay
stubs (for last 30 days), proof of social security, retirement or
interest income, written explanation of any gaps in last two years.
• Rental Property: Current copies of leases and mortgages (leases
should be signed by all parties).
• Real Estate Owned: Current value, address, acreage, debt balance
and monthly payment.
• Alimony/Child Support: If you pay or receive child support and/or
alimony, you must furnish a copy of the divorce decree. If alimony
and/or child support is to be counted as income, three years must
be remaining for a conventional loan and 12 months of cancelled
checks or proof of payment is required.
• Purchases: Furnish an original sales contract signed by all parties,
including legal description and/or survey.
• Self-Employed Borrowers: Copies of last two years’ personal tax
returns (with all schedules signed and dated), copies of last two
years’ corporate or partnership tax returns (with all schedules
signed and dated), current profit and loss statement and balance
sheet prepared by an accountant (signed and dated).
• Earnest Money Check: Provide copy of front and back of cancelled
check or proof of deposit by seller agent.
• Bank Accounts: Last two month’s original bank statements for all
checking, savings or investment accounts.
• Derogatory Credit Explanations: If related to divorce, provide
copy of decree.
• Other Investments: Current original investment account statements, 401k statement or IRA statement.
• Prior Bankruptcy: If filed in last 10 years, a copy of the filing,
petition and discharge is required.
• Refinances or Construction Loans: Furnish a copy of your warranty
deed, current survey plat, hazard insurance renewal notice, most
recent tax bill and mortgage statement and/or coupon book.
AgSouth Farm Credit
18
How Can I Improve My Credit Score?
By: Deidre Nelson, Originator Supervisor/Trainer
B3b
B5b
Decrease your debt.
I
loan. In the past, a credit score of 620 would
Pay down your credit, especially high-interest
Don’t open a revolving line of
credit unless it’s truly needed.
probably get you a prime rate; now, however,
credit cards, and never use more than 30
Apply for new credit sparingly. Don’t apply for
you need a 720-730 minimum credit score in
percent of your total available credit on
a new credit card simply to have more money
order to qualify for the lowest rate. If you’re
revolving credit cards.
to spend.
Keep Unused, Long-Standing
Lines Of Credit Open.
Contrary to popular belief, you should not close
Don’t transfer a credit balance
from a high-interest rate card
to a lower-rate card.
unused credit accounts. Instead, destroy the
This can hurt your credit score and is usually
Pay all your bills on time,
every time.
card or put it in a safe place. Open credit cards
only a temporary fix. Instead, pay down
do not lower your credit score. What lowers
the debt.
While the most important credits are your
it is having a credit card that’s nearly maxed
mortgage (or rent), credit card and utilities,
out. Closing a long-standing account lowers the
if you’re late on insurance bills, health club
average credit age in your file, giving you, in
memberships and the like, these late payments
effect, a shorter credit history, and it decreases
can damage your credit score.
your overall available credit amount.
n today’s mortgage market your credit
score may be the most important factor
in determining your interest rate on a
considering a mortgage or loan of any kind,
here are some things you can do now to
improve your credit rating and qualify for a
lower interest rate.
B1b
B2b
Check your credit report
regularly.
B4b
B6b
B7b
Keep the number of
inquiries to your credit
report to a minimum.
If you have too many credit cards or if
Several inquiries within a relatively short
you suspect that your card may have been
period are signals to creditors that you’re
compromised, then disregard the above and do
scouting for loans.
not hesitate to close the account. The bottom
While checking your report won’t improve your
line: if you want to close a
score, it will allow you to review the report for
zero balance account just
negative or erroneous information and give
to raise your credit score,
you an opportunity to fix errors. If you need to
don’t bother. It will not affect
correct any information, file a dispute with the
your credit score.
credit bureau and the originating source of the
error (the supplier of the credit). You can get
a free credit report from AnnualCreditReport.
com, which includes information from all
three main credit bureaus–Equifax, Experian,
and TransUnion.
19
Mortgage Market
Continued From last page
B8b
Increase Your Credit With
An Existing Creditor.
If you have good credit and are responsible
with your debt, call your credit company and
request a credit limit increase. Ask for the
highest amount possible without them having
to check your credit report and thus incur
another “hit” on your report. An increase in a
credit limit will signify to other creditors that
you are credit-worthy.
B9b
Keep good financial records,
Contact your AgSouth Mortgages Loan Originator
In Georgia:
Location
Loan Originator
Office Mobile Toll-Free
Baxley
Cae Hutchinson
912-367-7006 912-222-2774 800-222-7006
Blackshear
Chris Shimkus 912-449-4701 912-222-2780 800-522-0596
Carrollton
Mark Herring 770-834-3319 770-468-2360 888-327-3969 x 2
including bank and credit card statements,
Douglas
Christian Taylor
912-384-3200 912-389-5775 800-334-1224
receipts, bills and canceled checks for several
Griffin Wanda Smith 770-228-8958 770-468-2361 888-327-3969 x 1
years. This will help protect you in the case of
Madison
Rick Spence 706-342-2352 706-614-4522 888-327-3969 x 6
identity theft or fraud.
Midway
Rhonda Brant 912-884-5644 912-222-2240
Statesboro
Christy Marsh 912-764-9091 Thomaston
Lynn Smith 706-647-8991 770-468-8252 888-647-8991
Vidalia Melissa Williamson
912-537-4135 912-293-1976 800-633-4887
Mobile B 10 b
Do not file for bankruptcy.
912-531-1542 —
800-633-9091
If your goal is to have a good credit score,
In South Carolina:
avoid this at all costs. A bankruptcy will
Location
Loan Originator
Office usually plunge your score by hundreds of
Aiken Angie Webber 803-648-6818 803-295-2638 866-215-0147
points and will keep it there for many years.
Anderson
Tommy Harper
864-226-8507 864-617-7233 800-675-8507
Batesburg
John Wight 803-532-3841 803-582-9723 800-238-7447
Camden
Dan Miller
803-438-3032 803-486-1636 800-499-2786
but remember that keeping good credit is a
Greenwood
Lisa Crawford 864-227-2561 864-992-4058 800-922-1435
long-term process. Start developing good credit
Rock Hill
Matt Elston 803-324-1131 habits early. As the years progress, your credit
Spartanburg Phil Long 864-585-0344 864-580-0089 800-462-5819
score will soar, assuring you that your credit will
Walterboro
843-549-1584 843-599-1401
Finally, use these ten rules as a guideline,
Justin McClure
Toll-Free
803-493-1392 877-488-2642
800-686-1584
be in good shape when you really need it.
“Christy went above and beyond to get my mortgage closed.
I am very pleased with the service she provided.”
—Tammy Mallard
Christy Marsh
Mortgage originator
www.agsouthmortgages.com
AgSouth Farm Credit
20
Me mber Sp otlight
A Small, But Unique CSA Caters
to a Special Clientele
By: Drew McClam, Loan Officer
A
newer member to the Community
on Marion Square in downtown Charleston.
Supported Agriculture (CSA)
What he doesn’t sell to his members or local
movement, Thackeray Farms on
restaurants gets sold at the market here,
Wadmalaw Island, S.C., has established his
and what doesn’t sell at the market gets
own CSA that serves a smaller clientele, mainly
fed to the pog of 27 pigs he keeps and sells
Charleston-area restaurants that want a more
to restaurants.
unique type of produce.
The entrance to Thackeray Farms
In the late autumn and winter he keeps
AgSouth member Shawn Thackeray has
busy supplying the City of Charleston with all
been a vendor at the local farmer’s market
of its winter wreaths, which decorate the city
for 21 years. He began selling cut flowers
during the holidays.
and eventually branched out to farm fresh
“I may not have the most [produce] to
produce. A few years ago, he decided to grow
offer,” Thackeray rationalizes, “but I strive to
his business by incorporating a CSA program
have the best.”
Shawn Thackeray in the tomato shed
(see Ambrose article) into his operation.
Thackeray Farms may be comparatively
small in acreage, but tending to fewer acres
allows Shawn to focus on the quality of his
produce and uniqueness of his product. Shawn
devotes his acreage to a variety of different
products, like heirloom tomatoes, eight-ball
squash, lemon cucumbers and hakurei turnips—
items that are hard to find locally, but he never
gave up on the flowers he started out with.
Sunflowers, delphiniums, hydrangea and other
brightly colored flowers dot the landscape
from spring through autumn.
Shawn and his crew spend most
Saturdays at the Charleston Farmers Market
Ken Melton shows AgSouth’s Jerry Bishop and Drew McClam recently picked heirloom tomatoes.
Jalepeño peppers
Fingerling eggplant
Hydrangea
21
A ssociation New s
AgSouth’s
Douglas
Office Hosts
the Magnolia
Market
By: Amanda Allison, Loan Officer
The Magnolia Market opened June 5 at the AgSouth Douglas, Ga., office
T
he newly founded produce market,
at the market include sweet corn, potatoes,
7:00 p.m. and is located in the parking lot of
Magnolia Market, held its grand
tomatoes, peas, peppers, cabbage, broccoli,
AgSouth Farm Credit at 204 Bowens Mill Road.
opening on June 5, 2010, at the
okra, peppers, squash, cucumbers, greens
According to Rick Reed, a retired
AgSouth Farm Credit Douglas, Ga., office.
and fresh-cut flowers. Caroline Merritt, one
Extension Agent and one of the growers, the
Approximately 50 supporters from the
of the local produce growers and a vendor at
market has been “very successful.” This effort
community were in attendance to support
the market encourages the public to “know
has been possible with the help of a USDA
the new market.
what you are eating!” She urges, “Eat local:
grant to connect growers and SNAP
eat fresh!”
(Supplemental Nutrition Assistance Program)
The Magnolia Market is made up of
a handful of local produce growers, some
The market is open for the rest of the
recipients to encourage the addition of fruits
of whom are AgSouth customers. All of
summer every Saturday from 8:00 a.m. to
and vegetables in their diets. AgSouth is happy
the produce offered is grown locally in
12:00 p.m. and on Wednesdays from 5:00 to
to be able to participate in the program by
Coffee County. Some of the items for sale
Some of the fresh fruits and vegetables for
sale at the market.
providing a place for the market.
Customers line up for fresh vegetables.
AgSouth Farm Credit
22
AgSouth Serves Breakfast
at the Landrum Farmer’s Market
By: Lisa Gunter, Chief Financial Officer
S
taff members from the Spartanburg,
peaches, blueberries, squash, cucumbers and
and given a chance to register for some great
S.C., branch and administrative
other great items. Some vendors even bring
door prizes.
offices woke up with the chickens on
flowers, gourds and home-baked goods to
“Farmers markets like this one in Landrum
Saturday, June 26, and headed to Landrum
sell. The market opens early at 7:00 a.m. and
are a great source for local produce,” according
to cook a hearty breakfast of sausage biscuits,
usually sells out before noon. Approximately
to Daryl Griner, regional vice president of the
jelly biscuits, coffee and juice for farmers and
20 vendors participated in the market on this
Spartanburg AgSouth office. “At AgSouth we
shoppers at the Landrum Farmer’s Market.
Saturday morning, with some selling out as
want to do our part to support these growers
early as 9:00 a.m.
and producers, as well as the consumers of
The Landrum Farmer’s Market, which
is held at The Depot, opened Memorial Day
Vendors and shoppers coming by the
weekend and hosts area growers of tomatoes,
AgSouth tent were served a free breakfast
these home-grown products.”
The AgSouth Spartanburg team cooks for farmers and vendors at the Landrum Farmer’s Market (from the left): Sarah Collins, Daryl Griner, Phil Long,
Candice Taylor, Lynn Christiansen, Lisa Gunter, Ken Taylor.
23
Hom e & L and
Tilapia
The New Super Fish
By: Jeff Slipke
I
f I were to poll pond owners throughout
so? Sure, it would, but like they say, “If ‘ifs’
reason tilapia are commonly referred to as “St.
the Southeast and ask them what they
and ‘buts’ were candy and nuts, it would be
Peter’s fish.” Although tilapia have been cultured
perceived to be the most difficult task
Christmas all year long.”
worldwide for hundreds, if not thousands, of
related to the management of their ponds, two
What if I were to tell you there is a fish
years, it wasn’t until the mid-1980s that fish
answers would likely rise to the top: keeping
that can convert filamentous algae and other
farmers in the U.S. started growing them. While
their bass well fed and keeping their ponds
macro algae like chara into bass food? Kind of
there are many species of tilapia worldwide,
free of filamentous algae. Let’s face it, bass are
like Rumpelstiltskin spinning straw into gold,
those most commonly grown in the U.S. are
eating machines, and it requires a good bit of
but with a trophy bass twist? You might just
Nile tilapia (Oreochromis niloticus), blue
effort and expense to keep them fed enough
call that fish a super fish. Or you could just
tilapia (O. aureus) and Mozambique tilapia
to reach their maximum growth potential.
call it by its real name, tilapia.
(O. mossambicus). Actually, more often than
As for filamentous algae, or “moss,” as
When most folks hear mention of tilapia,
not, hybrid mixes of these three species are
it is often referred, the stuff grows in almost
the thought of a pile of filets packed in ice at
more common than either of the pure species.
every pond, making an unsightly mess that
the supermarket comes to mind—and for good
Due to their nature as a tropical fish,
is impossible to fish through. Not only that,
reason. Tipalia have grown in popularity over
tilapia love warm water—the warmer, the
but it grows incredibly fast. Sure, you can kill
the past decade, so much so that more tilapia is
better. And they hate cold water. In fact,
it easily enough with aquatic herbicides. But
consumed each year than catfish. Accordingly,
tilapia will die when exposed to water less
sooner or later—usually sooner—it grows back,
the vast majority of tilapia grown in the U.S.
than about 50˚F, but that’s a good thing. More
sometimes as bad, or worse, than before. In
is produced for human consumption.
on that later.
small, shallow ponds, filamentous algae can
Tilapia refers to a family of cichlid fish
We began stocking tilapia in recre-
completely cover the surface to the point where
endemic to Africa. It is believed that the fish
ational ponds a few years ago with one
the pond looks like a golf green.
caught by Jesus’ disciples from the Sea of
purpose in mind: to increase the growth rate
Wouldn’t it be nice if bass would eat
Galilee and miraculously used to feed the
and condition of bass by offering them an
filamentous algae and grow big and fat doing
masses was one of the tilapia species, hence the
additional source of forage. Interestingly, most
AgSouth Farm Credit
24
of the tilapia grown for human consumption
the abundance of intermediate-sized bluegill
Tilapia possess two physiological attri-
are produced from all-male tilapia populations
increase following the introduction of tilapia.
butes that allow them to efficiently process
because male tilapia grow faster and more
Tilapia will eventually die in the late fall/
algae and other plant matter and convert
uniformly than females. However, when it
early winter when the water cools into the
it into somatic growth: 1) pharyngeal teeth
comes to recreational ponds, we want tilapia
low 50s, but not before they become lethargic
that are used to grind plant tissue and 2) a
to reproduce—a lot! Therefore, we stock
and create an opportunity for bass to gorge
highly acidic stomach to rupture cell walls.
mixed-sex brood fish that will start spawning
themselves one last time before winter.
This allows tilapia to digest up to 60 percent
within days of being introduced into a pond.
This sends the bass into the winter period
of the protein found in algae and helps explain
Let’s get back to the tilapia’s ability to
healthy and strong. In fact, when the tilapia
why tilapia are able to grow so quickly during
help grow big bass. A look at the reproductive
die—typically sometime in December in the
just one growing season; routinely up to two
traits of tilapia helps illustrate what a truly
Southeast—it is very, very rare to see any small
pounds or larger by October.
unique and amazing group of fish this is. First,
fish die. Why? Because nearly all tilapia small
The effectiveness of tilapia at controlling
they grow fast. A half-pound tilapia stocked
enough to fit into a bass’ mouth get eaten.
algae is dependent upon a number of factors
into a pond in early May can grow to two
There is very little waste.
that are difficult to precisely quantify. These
pounds or better by late fall. Second, tilapia
include the number of tilapia initially stocked,
spawn frequently throughout the summer,
the amount and type of vegetation present, the
approximately every three weeks. Since the
likelihood of the pond to support re-growth
number of eggs produced by a female tilapia is a
function of her body weight, this means a lot of
tilapia production all summer long. Also, tilapia
are able to spawn at a very small size. They can
reach sexual maturity at about six inches in
length, possibly even smaller. Therefore, tilapia
spawned early in the year may be spawning
themselves within a few months.
Tilapia build spawning beds that look
similar to those made by bluegill, only larger
in diameter. The male builds the nest and then
When most folks
hear mention of
tilapia, the thought
of a pile of filets
packed in ice
at the supermarket
comes to mind …
of weeds and the density of the predator
population. All things being equal, a shallow,
algae-choked pond would require a higher
density of tilapia to control filamentous algae
than a deep pond with just a marginal band of
algae. Similarly, a bass-crowded pond would
require a higher stocking rate than a balanced
pond to account for higher predation on the
young tilapia. Therefore, stocking rates should
be tailored to each pond and typically range
from about 10 pounds per acre for larger,
attracts several females with which he will
deeper ponds up to 100 pounds per acre for
mate. Although tilapia don’t produce nearly
smaller, shallower ponds. In highly bass-
as many eggs per spawn as a similarly-sized
About now you might be asking, “In
crowded and/or algae infested ponds, stocking
bluegill, tilapia do something really neat that
order for tilapia to grow so fast and spawn
at an even higher rate should be considered.
makes up for the difference: tilapia exhibit a
so often, they must be eating something, but
Another uncertainty is the amount of
unique spawning strategy known as mouth
what?” That’s a great question, the answer
time required for tilapia to reduce or eliminate
brooding. After fertilization, they female
to which adds more credence to their “super
filamentous algae from a pond. This, too,
actually picks up the eggs and holds them in
fish” moniker.
depends on the factors mentioned above.
her mouth. Not only do the eggs hatch in her
The diets of tilapia vary slightly by
Because tilapia are not stocked until the water
mouth, but she also holds the newly-hatched
species, but, in general, they are omnivorous
warms in late April or early May, filamentous
fry for several days while they absorb their yolk
with a preference toward herbivory. What
algae may become problematic before tilapia
sacs and begin external feeding. That means
in the heck does that mean? It means tilapia
are stocked. In such cases, a comprehensive
a high rate of recruitment for young tilapia.
will eat a variety of food items, including
approach consisting of an herbicide treatment
The bottom line of all this is a bountiful
zooplankton and other invertebrates, detritus
followed by a tilapia introduction might be
crop of intermediate-sized forage to help feed
(decaying organic matter), an occasional small
all that is needed to keep the pond algae-free
the insatiable appetite of largemouth bass all
fish and even artificial fish food. But they tend
for the remainder of the year. However, I
summer long. That takes a lot of pressure off
to prefer algae: planktonic, filamentous and
have seen cases where ponds covered with
the bluegill population. In fact, we routinely see
macro algae such as chara.
25
F eature
Continued from last page
in excess of 2,000 pounds of tilapia per acre!
Of course, this assumes no bass are present.
filamentous algae and chara that were stocked
Finally, tilapia are delicious to eat and
with tilapia in mid-May were completely
not all that difficult to catch. Preferred baits
weed-free by mid-June, and no herbicides
tend to be the same you would use for bluegill.
were ever applied.
In addition, as the water cools in the fall and
A number of Web sites and publications
tilapia become lethargic, they will occasionally
have touted tilapia as an effective means to
swim high in the water column near the
control duckweed and watermeal. I’m not
shoreline looking for the warmest water they
ready to jump on that bandwagon just yet. I
can find. That’s a good time to get them with
know they will eat these two nasty plants, but
a long-handled dip net.
I have yet to see them effectively control it in
To summarize, stocking tilapia is like
a natural pond environment. Duckweed and
that tilapia readily consume filamentous algae
watermeal simply spread so fast, I question
means that they are not in direct competition
the tilapia’s ability to keep up with it. In my
with other forage fish in your pond such as
opinion you would have to stock at a very
bluegill or threadfin shad. This allows your
high rate for tilapia to have even a chance at
forage fish community to make more efficient
controlling these two invasive weeds. But given
use of available resources. However, to
the cost of fluridone, even a high stocking rate
enhance production of tilapia and other forage
Excerpt copyrighted by Wildlife Trends and
of tilapia might be worth a try.
fish, proper pond fertilization is a must. In
used with permission. This article may not be
Although tilapia can and do utilize plank-
fact, tilapia are so efficient at utilizing natural
duplicated in any form without prior written
tonic algae and aquatic invertebrates, the fact
food that a well fertilized pond can support
permission from Wildlife Trends.
installing a machine in your pond that converts
unwanted, unsightly filamentous algae into
food for your bass or food for you and your
family if you can catch them. Now that’s what
I call a super fish!
Excerpt copyrighted by Wildlife Trends and
used with permission. This article may not be
duplicated in any form without prior written
permission from Wildlife Trends.
AgSouth Farm Credit
26
Me mber Sp otlight
Jeff Lageman and AgSouth Regional Vice President Dan Good stand in front of a row of managed timber.
Fishing, Farming, Forestry and Football
By: Rhonda Uzzolino, Marketing Manager
A
gSouth member Jeff Lageman grew
Jets, which lead to a 10-year NFL career as
year-round color analyst for Jaguars radio and
up in the suburbs of Virginia, not
a defensive end. After a stellar six-year run
television broadcasting (he does 40-44 live
far from his grandparents’ farm,
with the Jets, in 1994 he left to play for a new
T.V. shows a year). He is also following another
where he spent a lot of time exploring the
franchise, the Jacksonville Jaguars. During his
long-time passion—the outdoors. Since 1996,
fields and helping out with the chores. The
decade with the NFL, he suffered numerous
he has co-hosted a radio talk show on hunting
suburbs were an ideal place for Jeff. They
injuries to his knees, tore tendons on both
and fishing with friend Kevin Faver, a charter
offered him an opportunity to appreciate
shoulders and suffered a hernia, but it was
captain in St. Augustine. The pair came up
life in the nearby city of Fairfax and explore
the last torn ligament in his arm that made
with the idea for a radio show based on their
the outdoors. It’s where he first discovered
him decide to end his career in 1999, after a
love of the outdoors and approached the local
the four “Fs” that would dictate his lifestyle:
decade of playing in the NFL. “It was time to
AM radio station in Jacksonville with their
fishing, farming, forestry and football.
explore my other interests,” he says.
idea, and the show grew from there.
Jeff played college football at the
Although Lageman quit playing profes-
The Hunt Life Outdoors Show is
University of Virginia and was selected in the
sional ball, he never lost his love of the game.
now a three-hour radio show syndicated
first round of the NFL draft by the New York
These days Jeff spends his time working as a
27
Me mber Sp otlight
Continued on from last page
in six major cities: Jacksonville, Macon,
Brunswick, Gainesville, Birmingham and
Montgomery. During the show Jeff and
Kevin interview experts in hunting, fishing,
wildlife management and anything else that
sparks their interest as outdoorsmen. Some
of their guests have included the president
of the Wild Turkey Federation, Brenda
Valentine, the “First Lady of Hunting,” as
well as local sportsmen and celebrities who
are avid outdoorsmen. In addition to their
hosting responsibilities, Jeff and Kevin are
also actively involved in the show. They buy
the three hours of time, so it’s their job to
do everything to keep it going. Not only do
A picture frame created by Lageman housing an outdoor scene decorates a wall of the barn.
they select the guests, but they call them
named Dylan for the Celtic word meaning
Jeff bought the Wheeler County pine
to arrange interviews, do the research and
“from the sea.” It’s no wonder that nine-year-
plantation in 2006 after looking for hunting
interview them. They also make calls to solicit
old Dylan’s favorite sport is fishing. Lately,
land on line. “Thank God for the Internet,”
advertising to keep the show afloat. Jeff is a
though, Jeff has been teaching Dylan to hunt.
he said. “I was able to search for exactly
strong believer in promoting the outdoor life
Dylan recently killed his first deer, a six-point
what I wanted without wasting a lot of
and wants to reach as large an audience as
buck, on the 941-acre plantation Jeff owns in
time traveling.” From growing up near the
possible. If you’re not in an area that receives
Wheeler County, Ga., Dylan was so excited
farmlands of Virginia, he knew exactly what
The Hunt Life Outdoors Show, you can listen
about that hunt with his father that he wrote a
he wanted in a property: rolling hills, pine
to it at www.huntlife.com.
story about the experience for his third grade
trees, hard woods and water. He wanted a
Although the work keeps Jeff busy,
class, complete with a colorful drawing. Jeff
place to hunt and fish and get away from the
what keeps him sane is spending time with
proudly framed it and put it in the barn on
hustle and bustle of his Jacksonville life. He
his family: wife, Misti, and son, Dylan. Jeff
the plantation.
also wanted some place he could watch the
leaves change colors. And it was important
that the property be somewhere he could travel
to without spending a lot of time on the road.
He also knew that he wanted to be able not
only to enjoy the land, but use it so that it
could help pay for itself. The Wheeler County
property met all of his requirements. Having
no prior experience taking care of such a big
piece of property didn’t intimidate him. Friend
Bill Oettmeier, from Fargo, Ga., taught him
about forest products and management and
suggested he hire a management team to help
him carry out his plans.
This hollow is a sacred place on the plantation
where Jeff and company watch deer. There is
no hunting allowed in this area.
AgSouth Farm Credit
28
“I liked the fact that
the company would
manage my loan as
well as I would manage
my property. Getting
money back at the end
of the year for just doing
business with them was
icing on the cake.”
— Jeff Lageman
Lageman shows Dan the landscaping he has done to the property, including adding the pond and
young trees surrounding it.
Before he could manage the property,
and bream, establishes and maintains food
though, Jeff had to purchase it. A CPA in
plots and manages the timber growth through
Waycross told him about AgSouth, and he
controlled burning.
approached Regional Vice President Dan Good
Jeff began managing the property the
in the Blackshear office about financing the
first year he bought it, when he clear cut a
property. Jeff admits that he looked at other
small plot and planted pines. This year he
financing options, but says he was turned off
plans to thin some 212 acres. “It’s important
by the automation of the “system” banks. He
to manage the land,” says Jeff. “I want this
wanted a “real” person to talk to who knew
property to be around for my family to enjoy
about land and financing, and he found that
for many generations to come.”
person in Dan. Finding out that AgSouth paid
Before he got married 11 years ago, Jeff’s
patronage sealed the deal. “I liked the fact
life was all about football. Once he retired, he
that the company would manage my loan as
went into a different mindset and arranged
well as I would manage my property. Getting
his life so that he could devote it to family.
money back at the end of the year for just
Buying the plantation was part of that thinking
doing business with them was icing on the
process. Now he brings family and friends to
cake,” he says with a smile.
hunt and fellowship together. When asked
Jeff is very hands-on when it comes
whether son Dylan was impressed with his
to taking care of the property. “I enjoy this
father’s football celebrity, Jeff said that he
property in every way possible,” he says.
was more impressed by the fact that he had a
“Not only do I enjoy what the property offers
father who showed him how to hunt and fish.
me—relaxation and a place to hunt and fish—I
When he’s not doing radio or T.V.,
enjoy the upkeep. I ride the tractors; I plow the
managing the property or relaxing on it,
fields; I plant the trees; and I fix things when
Jeff is active in outdoor memberships. He
they break. I’ve even driven the bulldozer a
time or two. If it has a motor, I can drive it.
I’ve been able to do that since I was a boy.”
He also stocks his ponds with bass, catfish
Jeff and son, Dylan, built this deer stand. It
was from this stand that Dylan killed his
first buck.
29
is a member of the National Wild Turkey
Federation, the Quality Deer Management
Association, the Rocky Mountain Elk
Foundation, the National Rifle Association
and a former member of Quail Unlimited. He
is also involved with the Mossy Oak Pro Staff
as one of their main advocates.
“My main objectives are to enjoy my
family and spread my love of the outdoors
with a new generation,” says Lageman. “From
bringing my family here to enjoy the outdoors
to hosting a syndicated radio show about it
and being an advocate for it in other ways, I’m
living my dream life. I’d like to give that opportunity to others who follow me.”
A gribusiness
Career Counseling 101
By: Dr. David M. Kohl
M
any readers are seeking or have
enterprises, from small to very large, some
children seeking education or
with complex business arrangements. This will
employment in the agricultural
require an agri-professional with deep industry
industry. Others in the mid-stages of their
and customer knowledge who is in touch with
I have some management
experience. Does management
always involve so much politics
and turf protection?
career are contemplating new employment
consumer needs in a constantly changing
It sounds like you are a bit frustrated. Every
opportunities and possible next moves. Being
marketplace. A person who will engage in a
organization has its flaws and will make
an educator, I have found that a bond or trust
career in agriculture will need training and
mistakes. It is important to find a situation
is developed and evolved with many former
skills in business, economics, biology and
with the chemistry that aligns with your
students, so they seek me out for advice. The
communications with an understanding of
value systems and your style of management.
following is a set of well-thought-out questions
global cultures, in addition to knowledge of
Why do some teams and organizations pull
from a former student, which can be applied
the agricultural industry.
together and perform at high levels? It is all
to anyone planning to be involved in the
What will the ag lending
career look like in the next
twenty years?
about chemistry, which is constantly evolving.
agricultural industry.
Is agriculture the right industry
for a career?
A person with sound business and economic
Oftentimes I will hear the comment that
“our organization is like family that cares
and respects each other.” Yes, new and old
established family members will do things to
My response is yes. Agriculture over the next
training with a high level of emotional intel-
several decades will be five-dimensional,
ligence will be able to “write their ticket” all
including food, fiber, fuel, products for
the way up the management chain. Expect
the life sciences and life experiences. This
project and assignment work that will require
diversified industry will need to thrive both
alignment of your skill base with the circum-
domestically and globally to feed and clothe
stances or situation. Constant training and
How do I determine the
stability of a new opportunity?
a growing world population. There will be a
education will be critical for you to maintain
First, examine where the business has been
wide range of agricultural entrepreneurial
the competency edge and employment security.
and its direction for the future. When you say
AgSouth Farm Credit
30
upset this chemistry. This is sometimes good
and sometimes bad, but unfortunately that
the way life goes.
from the recent financial crisis was that the
A person with sound business and economic
training with a high level of emotional
intelligence will be able to “write their ticket”
all the way up the management chain.
management teams were disconnected from
the customers they served. Agricultural
business models in the future may be flat
instead of hierarchical. That being said,
good managers and CEOs are constantly
developing people in their organizations to
serve customers in a profitable manner or on
a long-term basis. A major metric is whether
“security,” you are indirectly telling me that
Sometimes taking on special projects and
or not you are accomplishing this. Do you raise
is a high career priority. Check the financial
performing well is the avenue to spotlight
the performance of those around you inside
health of the business, its business plan and
your talent or potential abilities. Remember
and outside the business?
objectives, plan for succession, and where you
it is the people you work with who promote or
In summary, involvement in agriculture,
would fit. Does it have a strategic vision? How
fire you; the supervisor or boss just delivers
regardless of enterprise, size of business, or
has it changed over the years?
the message. Sometimes one must go outside
responsibilities, can be challenging and
I have the experience, vision,
and intellect to contribute to a
company at a high level. How
long do I have to wait?
the nest to get the reward, but it may come
rewarding. While the big cities often come with
with risk.
higher pay and some glamour, busy commutes
and higher cost of living can be an impediment.
Often patience is a virtue, but tough on a
Are there risks just being a
manager and not producing
direct income?
young, aggressive, “up and coming” profes-
Yes and no. If the organization is flat with
sional in a specialized field such as agriculture.
little hierarchy, possibly yes. A lesson learned
31
In agriculture, you can work with a grounded
customer base. Many rural areas you serve can
be great places to raise a family for a balanced
career and livelihood.
A ssociation New s
Join Farm Credit at the
Sunbelt
Ag Expo
October
19-21, 2010
Spence Field in Moultrie, GA
Sunbelt Ag Expo - 29
0-G Harper Blvd. • M
oultrie, GA
John Deere Gator™ Givea
way
Stop by the Farm Credit bu
ild
chance to win a John Deer ing and register for a
e Gator™ compliments of
Farm Credit and Lasseter Eq
uipment Group!
Contest Rules: No purchase necessary. Must be 18 years of age. Contest is open to residents of the continental United States. Entries will be accepted at the Farm Credit building at the Sunbelt Expo during
regular Expo hours October 19-October 21, 2010 until the time of the drawing on October 21. Winner need not be present to win and will be notified by telephone after the drawing. Prize winner must make
his/her own arrangements for pickup of the gator from the Sunbelt Expo grounds within 10 days of the prize drawing or prize is forfeited and secondary drawing will be held. Prize is not transferable or
assignable. Acceptance of the prize shall constitute winner’s agreement that sponsor or agent(s) may use and/or display the winner’s name, address (city and state), likeness, biographical information and/or
prize information, without limitation, for promotional purposes, without further consideration, except where prohibited by law. All taxes on prize (if applicable) are the sole responsibility of the winner. Prize
is awarded “as is” with no warranty or guarantee, either express or implied. Retail value of gator is $6,499 (Manufacturer’s suggested price.) Odds of winning depend on the number of entries. For a copy of the
winner list, send a self-addressed, stamped envelope with your request to the contest sponsor: The Georgia Farm Credit Associations, 468 Perry Parkway, Perry, GA 31069.
AgSouth Farm Credit
32
AgSouth Employees Retire after a Combined
History of Nearly 123 Years of Service
Ann Osborne
Ann Osborne
Harold Smith
Debbie Clark
Julie Taber
transferring to Madison Production Credit
Debbie has been an integral part of
By: Beverly Burns, Credit Analyst
Assoc./Federal Land Bank of Madison,
the success of both the Madison office and
Ann Osborne, a loan assistant in the Laurens
Covington branch office. Throughout various
AgSouth Farm Credit. Her knowledge and
office, retired April 30, 2010, after nearly 29
mergers, Harold worked from the Covington
expertise will be greatly missed.
years of service. Ann began her career in 1971
office for nearly 30 years.
Debbie and her husband, Gary, live in
with Palmetto Production Credit. A reception
According to Regional Vice President
the Pennington-Farrar community of Morgan
was held in Ann’s honor at the Laurens office
Ricky Cochran, “Harold has always been
County and have one son, Kristopher. We wish
with many AgSouth employees, family, friends
willing to help you with any tasks or problem
her the very best as she starts this new phase
and local businessmen and women attending
you asked him to help you with. He has been
of her life.
the celebration. Ann is looking forward to
an integral part of the success of both the
spending more time with her family and,
Covington office and AgSouth Farm Credit.
Julie Taber
according to her, “I also plan to do a lot of
His knowledge and expertise will greatly be
things I never had time for while working.”
missed, and his customers will miss his many
Ann’s service to Farm Credit is much appre-
hunting and fishing stories.”
ciated, and we wish her the best of everything
in the years ahead.
Harold Smith
By: Christy Smith, Marketing Specialist
After 34 years of service to the association,
Harold Smith, a branch/relationship manager
in Covington, Ga., retired July 31, 2010.
Harold began his Farm Credit career with
Harold and his wife Jan love to hike, bird
hunt and fish, so in addition to spending more
time with his children and grandchildren, they
want to make as many trips out west as time
will allow. We wish Harold all the best and
hope he knows he will be greatly missed.
Debbie Clark
By: Sammy Fogle, Regional Vice President
Julie Taber, branch operations coordinator in
the St. Matthews, S.C. office, retired March 31,
2010, after 30 years of dedicated service.
Julie began her Farm Credit career in
1979 at the Federal Land Bank of Orangeburg.
In 1981, she moved to the St. Matthews office
and remained there until her retirement. Julie
was well known by all of the customers in
the St. Matthews area and always welcomed
everyone with a warm and friendly smile.
By: Ricky Cochran, Regional Vice President
Julie and her husband, William, live in
Coastal Plain Production Credit Association
Debbie Clark, branch operations coordinator
the Ft. Motte area of Calhoun County with
in Tifton in 1976. After four years there, he
of the AgSouth Farm Credit office in Madison,
their two dogs. She is spending her time now
transferred to Flint River Production Credit
Ga., retired March 31, 2010, after 30 years
at home and at Folly Beach. We wish Julie all
Assoc./Federal Land Bank of Carrollton and
of loyal and dedicated service. Debbie began
of the best in her retirement.
worked in the Griffin office for a year before
her career in May 1979 at the Federal Land
Bank of Madison.
Out in
in the
the Country
Country Summer
Summer 2010
2009
Out
33
association ne w s
Meet the
AgSouth
Staff
Meet our Senior Management Staff
More than 233 years of experience working for you!
Experience
Working for
YOU!
By: Lisa Peden, Human Resource Director
A
gSouth is blessed with a knowledgeable and experienced staff that
works hard to make sure our
members receive the newest loan products
available on the market, keep your interest
rates low, keep your patronage program
strong, and provide you with service beyond
compare. In our fall issue, you met South
Carolina’s Team 7. Over the next few issues,
we’ll continue to introduce you to the people
behind the name “AgSouth Farm Credit.”
Standing, from the left: Theron Anderson, Director of Financially-Related Services and SMM;
Van McCall, Georgia Chief Lending Officer; Ronnie Summers, South Carolina Divisional President;
Owen Smith, South Carolina Chief Lending Officer; Craig Peebles, Georgia Divisional President
Seated, from the left: Lisa Gunter, Chief Financial Officer; Bill Spigener, Chief Executive Officer;
Rick Moore, Director of Risk Management
Photo
contest!
®
video
contest!
Keepin’ It Rural is now bigger than ever! Show
off your appreciation for all things rural in our
Video AND Photo Contests!
Whether it’s video or photography, we want to see how you
“Keep It Rural.” Send us your funny, inspiring, unusual,
bizarre, or amazing farm- or rural-themed videos or photos.
Visit iKeepItRural.com for details and official rules
AgSouth Farm Credit
34
Marketplace
W
e’re happy to have this opportunity to help you sell your property during these difficult economic times. If you’re a member and
have equipment or rural property to sell, or if you’re a reader and have a great piece of land our members might like to buy, email
ruzzolino@agsouthfc.com, and we’ll list it on our Web site and possibly run it in our magazine FOR FREE.
AgSouth Farm Credit does not endorse or accept responsibility for the advertisements contained in AgSouth’s Marketplace, and is not responsible for any
misrepresentations contained herein, including misprints.
AgSouth Property:
South Carolina:
n 112.6 Acres in Allendale Co. Property has a small creek and
is planted in pines and hardwood. $3500/acre. Call 803-346-
a 40-minute drive to Bluffton/Hilton Head or Savannah. Call
803-942-0922 or 803-346-9473. $750,000.
n 60+ Acres in Lower Richland Co. Forest land and recreational
9473.
n 187.5 Acres in Jasper Co. Property is partially planted in
w/mixed pines and hardwoods. Open wildlife plot; creek; fronts
longleaf pines. Remaining portion is to be planted in longleaf this
on Hwy 601. Agricultural zoning. $158,200 OBO. Call 803-957-
upcoming season. $4,000 per acre. Call 803-346-9473.
3469.
n 10 Acres and Plantation Home in Hampton Co. Completely
n 36 Acres in Saluda Co. Nice small timber tract featuring
renovated on 10 acres of heavily timbered property in the
36+/- acres of 1982 planted loblolly pines. Excellent small
Lowcountry. Property adjoins large state wildlife tract and is
hunting tract with abundant deer and turkey. $111,600. Contact
elcid1996@comcast.net.
AgSouth Property:
Georgia:
n 356 Acres in Jasper Co. On Jordan and Goolsby Roads. Will
n 18 Acres in Ware Co. Western part of county in Manor. Property
divide into 20-acre tracts or larger. Asking $4800/acre. Call Paul
has dirt road frontage and is bordered by other farmland with
Spieks at 770-235-4132.
one home located directly across the road. Asking $3500/acre.
n 24.9 Acres in Glynn Co. 251 Pennick Road, 10 minutes north
Contact tbraddy@dishmail.net.
of town. 625’ footage on Pennick Road and 433’ footage on Old
n 41 Acres in Ware Co. Cut-over timberland. Ideal for growing
Jesup Road; cleared/logged about 5 years ago, some majestic old
blueberries. Timber has been sold and is waiting to be cut. Land
oaks remain; front 6 acres clear with pasture grass; ready for your
for sale now or later. $123,000. Contact leroyhudson2006@
country estate, asking $265,000 but negotiable. Call 912-571-0145
yahoo.com.
or email uzbek@yahoo.com.
To see the full list of properties and items for sell, visit www.agsouthfc.com and click on “AgSouth Marketplace.”
35
AgSouth Farm Credit
P.O. Box 718
Statesboro, GA 30459
PRSRT STD
U.S. POSTAGE
P AID
COLUMBIA SC
PERMIT 1160
Real Estate Specialists in Southeastern Farms and Plantations Since 1959
97 Acres in Calhoun County,South Carolina
• Plantation Services has sold land to individuals and corporations from around the United States and most European countries.
The company's expertise, credibility and contacts help clients expose their properties to the widest number of qualified buyers.
• The company has represented individuals, corporations, investment firms, banks, estates, timber companies and foreign investors.
• Plantation Services is a member of The Board of Regents, an exclusive network of the world's most elite luxury real estate brokers,
and a member of Who's Who in Luxury Real Estate.
Albany, Georgia
Curt Hall
Lee Walters
Crisp Gatewood
229.888.2500
“Whether you are a landowner or potential investor,
Plantation Services looks forward to welcoming you as a client.
As a customer, you will receive personal attention, access to our
knowledge and resources, expert advice, and the best service obtainable.”
www.plantationservicesinc.com
Charleston, South Carolina
Contact
Chip Hall
Lynn Dantzler
843.958.0222
Visit our site for information on available properties.
If you would like to be placed on our mailing list, please call 229.888.2500 or e-mail cohplantation@aol.com.

Summer - AgSouth Farm Credit

Transcription

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