Real Estate LEADER Magazine (Winter 2004)

Transcription

THE OFFICIAL PUBLICATION OF THE MISSISSIPPI ASSOCIATION OF REALTORS ®
IN THIS ISSUE
Winter 2004
LEADERSHIP
2004 year in review
Plus 2005 preview
& legislative agenda
Reader & member
survey
2 / MISSISSIPPI REAL ESTATE LEADER / Fall 2004
Real Estate LEADER is the official publication of the Mississippi Association of
REALTORS®. The quarterly magazine provides Mississippi real estate professionals
with timely information on trends and best
practices, tools and resources for professional development, and news about innovative business and community leaders.
Winter 2004
Publisher
IN THIS ISSUE: Leadership
R. Scott Brunner, CAE
rscottbrun@aol.com
Editor
Angela Cain
acain@msrealtors.org
Contributing Writer
Sarah J. Schmidt
sjschmidt2@earthlink.net
Graphic Designer
Steve Nowak
nowak427@bellsouth.net
Photographer
Gib Ford
Gil Ford Photography
Advertising Sales Specialist
Krissa Dobbins
kdobbins@msrealtors.org
Cover Story:
16 2005 Legislative session: The REALTOR® agenda
Discover what you should know about key legislative issues MAR will focus on during the 2005 legislative
session. Plus, learn about other public policy-related events and projects planned in the coming year and see
what Governor Haley Barbour has to say about REALTORS®’ role in his agenda.
11 The state of the association
2004 MAR President Bruce Kammer CRS, GRI, offers a farewell “state of the association” reporty that highlights
strategic victories and new initiatives that are important to your business.
15 Lane says it’s all about U
2005 MAR President Nancy Lane, CCIM, discusses her leadership plans for the new year and how REALTORS®
can continue to improve Mississippi’s quality of life.
Pull-out section 2004 Reader & Member Survey
Complete our annual member survey and be entered to win one of two grand prize packages from Historic
Natchez on the Mississippi. MAR values what you think about the benefits, programs and services you receive
with your annual membership. Your responses to this survey will help us meet your needs better.
REALTOR® Editorial Board
David Griffith, Chair, Cleveland
Michelle Burford, Vice Chair, Jackson
John Bounds, Meridian
Eric Bradley, Picayune
Harley Caldwell, Vicksburg
Sharon Grace, Oxford
Bill Hetrick, Clinton
Pat Jefcoat, Hattiesburg
Cynthia Joachim, Biloxi
Alan Paterson, Ridgeland
Vicky Ratliff, Natchez
Carolyn Walker, Vicksburg
Real Estate LEADER does not establish due diligence on authors and advertisers and cannot guarantee that their writings or claims are correct or suitable. Views and advertising contained in Real Estate
LEADER are not necessarily endorsed by the
Mississippi Association of REALTORS®. The information contained within should not be construed as a
recommendation for any course of action regarding
financial, legal or accounting matters by the
Mississippi Association of REALTORS®, Real Estate
LEADER or its authors.
Mississippi Association of REALTORS®
PO Box 321000
Jackson, MS 39232-1000
Tel: 601-932-5241
Toll-free: 800-747-1103
Fax: 601-932-0382
Web: www.msrealtors.org
E-mail: mar@msrealtors.org
DEPARTMENTS
4 President’s Perspective
4 Word on the Street
5 Legal Ease
6 For The Course of Your Career
7 Been There, Done That
16 Capitol Watch
18 Commercial Real Estate Report
19 Your Neck of the Woods
21 Headliners
22 MARPAC Update
25 REALTOR® Resources
25 Information Central
26 Referral Advertising
29 The Last Word
3 / MISSISSIPPI REAL ESTATE LEADER / Fall 2004
President’s
Perspective
W
hen we launched
our new magazine, Real Estate
LEADER, at the start of
the year, we promised it
would focus on you and
your professional accomplishments and promote
your professional development. That’s why this
entire issue features REALTORS® who are the driving
force behind our association’s 2004 successes and
those who will lead us to new victories in 2005.
We are pleased to showcase the very best and
brightest of MAR – distinguished 2004 award recipients, LeadershipMAR graduates, REALTOR® Hall of
Fame inductees, top MARPAC contributors, Board
Directors, Advocacy Group Chairmen and the list
goes on.
And in a farewell address, 2004 President Bruce
Kammer, CRS, GRI, offers his thoughts on the state of
our association, highlighting strategic goals met and
new initiatives launched during his term of office. I
watched and admired Bruce throughout his presidency and appreciated his focus on empowering us as
REALTORS® – and as an association. I look forward to
the challenges that my year as your president will
bring.
See page 11 to learn more about my presidential
platform, “It’s All About U,” and see page 17 to learn
how Governor Haley Barbour believes REALTORS® can
support his efforts to improve our state’s quality of life.
Looking ahead, this issue previews our 2005 legislative agenda and provides insight into why REALTORS® around the state find the issues we’ll tackle so
important to their businesses and communities.
In her “For the Course of Your Career” column, Jo
Usry, our Vice President of Professional Development,
discusses new 2005 educational programming offered
through our Mississippi REALTOR® Institute. The
coursework is designed to put you on track to earn a
prestigious National Association of REALTORS® designation – and more money!
Thank you to the many readers, members, association and community leaders, legislators, sponsors
and advertisers who have made 2004 a stellar year for
MAR and whose ongoing support has enabled us to
produce this meaningful REALTOR® publication.
All best wishes to you and yours for this holiday
season. We look forward to being a part of your
new year.
Nancy Lane, CCIM
2005 President
4 / MISSISSIPPI REAL ESTATE LEADER / Winter 2004
Word on the Street
REAL ESTATE NEWS BRIEFS
Mortgage rates expected to rise,
employment rates to improve in 2005
The National Association of REALTORS® forecasts 30-year mortgage rates to average 6.5 percent
in 2005, despite the fact that rates have hovered around six percent for the past three years.
However, NAR expects improved new employment rates to balance any decrease in sales due to
interest rate increases. During the past 12 months, nearly 1.7 million jobs were
added to non-farm payrolls across the country, which is a 1.3 percent increase
from 2003. The South, in particular, boasts the lowest unemployment rate in
the nation: 4.9 percent from 5.9 percent a year ago. Home sales in the South
also have increased and are now contributing a larger share of total national
home sales than in 2003.
Source: Real Estate Outlook
NAR debuts new credit history brochure
A new credit history brochure is now available for REALTORS® to distribute
to their clients. Developed by the National Association of REALTORS® in
partnership with the Federal Trade Commission, the brochure helps consumers understand their credit scores, how to contact credit bureaus for
credit reports, and other beneficial information pertaining to credit and
insurance applications. The brochure was developed following 2003 passage of legislation
reauthorizing the Fair Credit Reporting Act and it contains updated information reflective of
amendments to the Act. Visit www.realtor.org/creditreports to download a copy today.
LEGAL EASE
BY QUENTIN WHITWELL
On the hook: Legal Hotline calls
have familiar ring
E
very time MAR’s legal hotline rings, it’s a new adventure. Judging by the
dozens of calls I receive each month from REALTORS® across the state,
the old saying holds true: no two real estate deals are the same. Still, I’ve
received a heavy call volume during the past year on three particularly pertinent transactional issues: procuring cause and getting paid, earnest money,
and criminal disclosure. Following is a summary of useful legal information on
these hot topics that will help reduce your risks and get your clients to the closing table with as little hassle as possible:
Procuring cause and getting paid
Recent arbitration hearings between REALTORS® have proven that no one
likes to be on the back end of a deal where they’ve performed some of the
functions of an agent but do not receive compensation for their services. But
it’s important to note that there are only three viable ways to get paid in a real
estate transaction:
1. Have an agreement with your client, the buyer or seller. This is by far
the easiest route. Buyer Representation Agreements should be better utilized by
REALTORS® and are readily available through MAR’s ZipForms Standard Forms
software at www.msrealtors.org.
2. Arrange for a referral fee. REALTORS® who work together to mutually
produce a ready, willing and able consumer to the other side of a transaction
can and should agree to a shared fee. Doing so protects the interests of the
client for whom both REALTORS® are working and helps maintain a positive
working relationship between REALTORS®.
3. The most difficult route to payment is to prove “procuring cause”.
Procuring cause is not an objective test. You must be able to prove through an
uninterrupted series of events that you are the reason that led to the sale. A
hearing panel is required to delve into the mind of the consumer to determine
when the consumer decided to buy the particular property.
as a listing agent to completely answer the “Property Condition Disclosure
Statement” form (also available at www.msrealtors.org). Although the circumstances would dictate a court ruling, the general rule of law is that REALTORS®
have a duty to disclose known defects but not discover them.
Have a legal question? Call MAR’s legal hotline.
While MAR is unable to represent any party to a real estate transaction, we do
offer legal information relevant to a particular situation. Call our legal hotline
(800-747-1103, ext. 25) by 3:00 p.m. Monday through Friday, and in most cases,
I will return your call by close of business. Even when I am out of the office, I generally remain available for hotline calls. Just ask REALTOR® Gwen James of
Hattiesburg. She called me on New Year’s Day this year while I was watching Eli
Manning play in the Cotton Bowl in Dallas. I was able to answer her questions in
between the roars of rowdy Rebel fans. n
Quentin Whitwell is Vice President of Public Policy for the Mississippi
Association of REALTORS®. E-mail him at qwhitwell@msrealtors.org.
Earnest money
Mississippi’s earnest money statute does not give a real estate broker the
latitude to choose who should receive funds. It simply gives a broker the power
to disburse funds at the proper time. For this reason, we encourage all REALTORS® to interplead the funds in a Justice Court (if the amount in controversy
is less than $2,500) or Chancery Court and allow the Court to determine rightful owner of the funds. This process should be used if the rightful owner of the
funds cannot be determined or the contract does not explicitly describe who is
to receive the funds under the circumstances. (Download a copy of an
Interpleader form at www.msrealtors.org.)
Sex offenders, meth labs and stigmatized properties
When it comes to sex offenders, meth labs or other stigmas, the best advice
I can give is to disclose all information you know about but do not attempt to
discover information that is not within the purview of a REALTOR®. There are
certain responsibilities better left to law enforcement officials and home
inspectors. At the same time, you are under an obligation to compel your client
FOR THE COURSE OF
YOUR CAREER
BY JO USRY
Learn more, earn more
with a GRI designation
Mississippi REALTOR® Institute to offer
designation and CE all in one in 2005
D
id you know that research shows that REALTORS® holding a professional designation earn $33,200 more annually than those who do
not? That’s why the Mississippi REALTOR® Institute is launching new
coursework to help you earn the Graduate REALTOR® Institute (GRI) designation and put you ahead of your competition. The GRI designation is
nationally recognized and offered exclusively through our real estate school.
Successful completion of our classroom Salesperson Pre-Licensing
course satisfies two-thirds of the GRI designation requirement. Then, you
can choose to take the remaining 30 hours of coursework by either completing our Broker A course or our new GRI
Advanced Track Program, a series of
four courses that also include CE credit. The courses can be taken consecutively all in the same week or separately and
in any order at your leisure. The courses will be offered at
least twice this year. And even if you already have your GRI
designation, you can take GRI courses for CE credit.
The first GRI Advanced Track series will be held February 7-10 in
Jackson. Coursework includes:
GRI Course A: Accredited Buyer Representation (ABR) ($249)
This two-day course satisfies the educational requirement to earn the coveted ABR designation, counts for half of the hours needed to earn the GRI
designation and satisfies the requirement for four hours of required
Agency CE.
GRI Course B: Technology & Real Estate ($65)
Earn four hours of elective CE credit and learn how technology can plug
you into greater profits and productivity.
GRI Course C: From Contract to Closing ($65)
Earn four hours of elective CE and learn how to read a credit report, determine a credit score, create net sheets for the buyer and seller and identify
various agencies that offer loan programs for particular buyer profiles.
GRI Course D: Standard Forms for Dummies ($129)
Reduce your risks through the proper use of the Mississippi Association of
REALTORS®’ 32+ Standard Forms. This fun and information-packed course
will keep you in the know and out of court. The course includes two hours
of required Contract Law CE and six hours elective CE.
Earn your GRI designation…the pathway to a more lucrative career. n
Jo Usry is MAR’s Vice President of Professional Development. E-mail
her at jusry@msrealtors.org.
Congratulations to 2004 Graduate
REALTOR® Institute (GRI) designees
Harry Alexander, GRI
Oxford
Larry Armitstead, GRI
Jackson
Patricia Cas, GRI
Diamondhead
Sterling Dahl, GRI
Starkville
Taciana VanErven Elsden, GRI
Olive Branch
Lynn Fillingham, GRI
Ridgeland
Damion M. Flynn, GRI
Long Beach
Betty Foreman, GRI
Diamondhead
Abigail Garner, GRI
Jackson
Karen Glass, GRI
Gulfport
Sue Golman, GRI
Tupelo
Felicia D. Hester, GRI
Pascagoula
Melissa Horst, GRI
Madison
Alfonso is threetime Instructor
of the
Year honoree
Louise Riles, III, GRI
Tupelo
Lilly Mae Romine, GRI
Gloster
Barbara Sauls, GRI
Heidelberg
Nancy Shroyer, GRI
Pass Christian
Martha Sims, GRI
Laurel
Ellen Smith, GRI
Madison
Ron Smith, GRI
Tupelo
William Speed, GRI
Jackson
Shelia Staten, GRI
Hattiesburg
Adam P. Watkins, GRI
Hattiesburg
Helen Wilson, GRI
Clinton
Gertrude Young, GRI
Vicksburg
Jerry Woods, GRI
Pearl
A REALTOR® since 1971 and three-time Mississipi REALTOR® Institute Instructor of the Year winner, Carlene
Alfonso knows the importance of a good education. She
credits various continuing education courses for helping her understand how best to protect her customers
and her company. Now, she passes on that knowledge in
all the REALTOR® Institute courses she teaches.
Education: B.S., University of Southern Mississippi
Professional honors: 1994 Mississippi REALTOR®
of the Year; 1995 President MAR; 1985 President Gulf
Coast Association of REALTORS®; Coldwell Banker
Chairman’s Circle
Credentials: GRI, CRB, CRS
Community activities: Secretary, Gulf Coast
Community Foundation; Humane Society of South
Mississippi, Board of Directors; Relay For Life
Chairman, American Cancer Society; ARC; Habitat for
Humanity
Why is education important to becoming a
leader? “You will not remain a leader if you don’t educate yourself about what’s going on in the industry.
Education creates self-esteem, which produces leadership. It’s as simple as that.”
Carlene Alfonso
CEO, Coldwell Banker
Alfonso Realty, Gulfport, MS
Greta Garner Hudson, GRI
Hattiesburg
Helen James-Way, GRI
Byram
Kathy Langston, GRI
Madison
Cindy Loftin, GRI
Florence
Jewelene Mayes, GRI
Ridgeland
Ruth Myers, GRI
Clinton
Dina F. Naron, GRI
Lucedale
Margaret Nelms, GRI
Meridian
James M. Oberlies, GRI
Waveland
Scott Overby, GRI
Jackson
Gary Parker, GRI
Jackson
Phyllis Ware Parker, GRI
Jackson
Donald Pickens, GRI
Jackson
How do you instill leadership values in your
students? “One of the things I like to do in my courses
is to let the students decide what special programs we’ll
feature in addition to the regular curriculum. For
instance, we brought in a home inspector in one class and
did a Q&A with him. When you empower students, it creates a desire to learn, and they feel good about what
they’re doing. They take on greater leadership roles when
given the chance to have meaningful input.” n
Been
Been there,
there,
done
done that
that
REALTOR® Guest ColuMnists Share their Stories
LeadershipMAR grads share insights
into career-enhancing program
Since 1997, LeadershipMAR has served as a model nationally for how to develop REALTOR® leaders and has birthed more
than 100 stellar professionals who are making a real difference in their communities, their businesses and their local and
state REALTOR® associations in Mississippi.
By Stephanie McConnell
By Melanie Mitchell
LeadershipMAR, the Mississippi Association of REALTORS®’ leadership development program, has opened doors, shed new light on old ideas and brought
new people into my life. It has taught me to reach higher, be open to fresh concepts and not to be afraid to leave my comfort zone. I have established friendships that will last a lifetime and acquired skills that will enhance me professionally as well as personally. To be a part of LMAR is an experience I treasure
and I will continue to reap the benefits of the knowledge and skills that I have
learned. n
As a 2001 graduate of LeadershipMAR, I can honestly say that I gained confidence from learning leadership skills. I also learned a lot about myself. This
confidence enabled me to venture out and start a new company in a new market! I could not have done this had I not been through this awesome experience. Learning about the Mississippi and National Associations of REALTORS®
made me understand the importance of giving back to the association that truly
helps my business. The friendships that I made are so special to me, and I
always look forward to MAR Events and committee meetings
so I can visit and network with other LMAR grads. n
REALTOR® Stephanie McConnell is a 2004 LMAR graduate. She is managing broker of Latter & Blum in Bay St.
Louis.
Congratulations to the
LeadershipMAR Class of 2004
REALTOR® Melanie Mitchell is broker/owner of
Prudential Starkville Properties in Starkville and a 2001
LMAR graduate.
Caught on camera: New
video reveals fun, facts about LMAR
By Kevin Lawrence
From left to right:
Vanessa Leech, Leech Real Estate, Vicksburg; Lynn Fillingham, David Ingram
Real Estate, Ridgeland; John Mondy, Millennium Realty, Jackson; Libbi Logan,
Lynn Pace Real Estate, Cleveland; Brian Couch, Bob Leigh & Associations,
Southaven; Cindy Pritchard, Coldwell Banker, Smith Homes, Gautier; Robert
Sanders (lower center), Coldwell Banker, ALLSTARS, Vicksburg; Ray Millwood,
Millwood Realty, Greenville; Kevin Lawrence, Madison Properties, Madison;
Stephanie McConnell, Latter & Blum, Bay St. Louis; Jack Healy, Gulf Properties,
Gulfport; Sherry Fischer, Fischer Properties, Water Valley; Patti Abernathy,
Magnolia Realty, Tupelo and Sandra Vaughn, Coffin and Love, Laurel.
If you want a sure fire way to bring fourteen complete strangers together, simply give them a huge project to complete, a short period of time in which to complete it, no money to work with and the added logistical challenge of all the participants being scattered from one end of the state to the other. That’s exactly what
happened to our class, the LeadershipMAR class of 2004, when we were presented (or sentenced to) our class project.
We were to fund and produce a video that would be used as a recruiting tool
for LMAR. Who does what? Where do we start? What was your name again? We
had just met each other, for goodness sake! We took the first step necessary and
headed straight to the nearest happy hour. We quickly determined which class
members possessed which strengths, and we divided ourselves into two groups:
introverts and extroverts (otherwise known as fundraisers and a production
committee). The fundraisers went to work raising money, and the production
committee searched for and hired a production company to help with the video.
Time flew by. Retreats came and went. Money rolled in (to our many contributors…THANK YOU!). And, before we knew it, we had a stellar video and had developed friendships that will last a lifetime as well. We had a great time, as evidenced
in our video. Our hope is that by viewing our video project fellow REALTORS® can
see the importance of LMAR both to the individual who participates and to our association….and just maybe they’ll want to be
a part of it. (Each local board has a copy of the video.) n
Kevin Lawrence is a REALTOR® with Madison Properties
in Madison and a 2004 LMAR graduate.
VETERANS’ HOME
PURCHASE BOARD
“Helping Mississippi Veterans Purchase Homes
With Mortgage Financing Since 1946”
30-Year Rate: 4.50%
15-Year Rate: 4.00%
Loan Limit: $195,000
0% down payment with VA loan guaranty
Mortgage rates are subject to change.
P. O. Box 54411
3466 Highway 80E
Pearl, MS 39288-4411
Phone: 601-576-4800
Fax: 601-576-4812
E-mail: vhpbinfo@vhpb.state.ms.us
Website: www.vhpb.state.ms.us
A Super REALTOR® state of mind:
2004 MAR President sums up the year
By Bruce Kammer, CRS, GRI
T
ogether, I believe we’ve made 2004 a
banner year for REALTORS® in
Mississippi. We’ve harnessed our
collective power and built an even stronger
MAR – one positioned upon the steady
foundation of tradition, ethics, member representation and service. The
state of our association is strong.
We’ve experienced significant membership growth and now boast more
than 5,400 members. This is due, in part, to a booming real estate market
and increased opportunities for pre-licensing education offered by your Mississippi
REALTOR® Institute.
We thank you for supporting our official
real estate school, our association’s primary source of non-dues revenue.
Your loyalty to the REALTOR® Institute is critical, particularly in the coming
year, as we face some significant revenue challenges. Know that every dollar
you spend with our school is used to serve you, our members, in ways that
add value to your business and your professional expertise. An investment
in us is an investment in your own success.
And REALTORS® who are investing time and service into this association
are reaping the rewards. They’re better informed, better educated and better prepared to handle the issues and trends impacting the business of real
estate in Mississippi. Business moves at such a rapid pace these days, and
meeting the ever-changing needs of our membership has been our top priority.
To this end, we proposed some strategic governance changes at our general membership meeting in October that will allow us to respond swiftly
and more effectively at the speed our membership demands. I am happy to
report that those changes were approved by the membership and have
already gone into effect (Visit www.msrealtors.org for complete details).
In addition to governance changes, we’ve launched some powerful new
member services this year. We believe it’s a critical part of our association’s
mission to advance our profession. And that’s why we started this new magazine, Real Estate LEADER, that empowers, inspires and nurtures a leadership spirit among our members. The magazine focuses less on MAR as an
association and more on you as REALTORS®. Special thanks to the many
advertisers who have supported this new endeavor.
In 2004, we also launched a new MAROnline (www.msrealtors.org),
which is now a robust site that contains important association information, industry news and member
resources. You should also be
receiving MARDigest, our semi-monthly e-newsletter. Look for the Digest
monthly in the coming year. Make sure we have your current e-mail address on file so you don’t miss out on this
valuable information.
In this year, we’ve also developed risk management
tools and resources for brokers and their agents as well
as a REALTOR® Guide to Etiquette and Safety. All of
these are available for download at www.msrealtors.org.
®
We’ve also updated
our MAR Standard
Forms software available through ZipForms.
As a member benefit, we
offer the first download FREE
to first-time users – a $149
dollar value. Then future
annual downloads, including all updates, cost only
$59 dollars.
We’ve also had major
legislative victories in
2004. Every priority legislative issue
advocated by MAR this year was signed by Governor Haley Barbour. Our
REALTOR® agenda included
measures to ease financial, regulatory and education barriers to
homeownership in Mississippi.
We thank our legislators for moving forward with responsible state policies
that provide for broader housing opportunity. These legislative successes are
the direct result of members’ grassroots lobbying initiatives, calls to action,
MARPAC investments and conversations with legislators by our members.
These accomplishments continue to move Mississippi forward and reaffirm
that the REALTOR® perspective is being heard by the state’s elected officials,
and our influence is strong.
To build on our momentum, we’ve also launched our REALTOR® Key
Contact Network, a new initiative designed to help you target and communicate with our state legislators and government
officials. MAR members who have existing relationships with state legislators and/or key government officials are invited to participate. By
establishing a network of contacts with key legislators and government officials, we can mobilize quickly when issues of importance to REALTORS® arise. Visit www.msrealtors.org for complete details.
In every aspect of our association, your involvement truly makes a difference. When I became your president, I said I wanted to ask three important questions at the end of my term of office: Did we make a difference? Are
the members better off? Did we have fun along the way? I feel confident that
the answer to all three is “yes.” Thank you for providing me with this powerful opportunity to serve you – and our profession. n
Bruce Kammer, CRS, GRI, served as 2004 MAR President. He
is a broker/owner of Coldwell Banker Country Properties
in Picayune/Poplarville.
Meet the 2005
Leadership Team
2005 Executive Committee
Nancy Lane, CCIM
Jackson
President
Pam Beard, CRB, CRS, GRI
Vicksburg
President-Elect
Chris Wilson
Laurel
First Vice President
Janice Shows
Jackson
Central VP
Bob Leigh
Southaven
Northern VP
Russell Wilcox
Jackson
Secretary-Treasurer
Gary Murphree
Houston
Ex Officio
Bruce Kammer, CRS, GRI
Picayune
Immediate Past President
Scott Brunner, CAE
Chief Executive Officer
Advocacy Group & Working Group Leaders
ASSOCIATION OPERATIONS
Chair: Treasurer Russell Wilcox,
Jackson
Vice Chair: Esther Smith Brown,
Tupelo
LEGISLATIVE & REGULATORY AFFAIRS
Chair: Pam Beard, Vicksburg
Vice Chair: Chris Wilson, Laurel
MEMBER & LOCAL BOARD SERVICES
Chair: Melanie Mitchell, Starkville
Vice Chair: Harley Caldwell,
Vicksburg
INFORMATION & TECHNOLOGY
Chair: Michelle Burford, Jackson
Vice Chair: Mark Warren, Jackson
PROFESSIONAL DEVELOPMENT
Chair: Pat Hamilton, Meridian
Vice Chair: Robbie Earhardt,
Columbus
LEADERSHIPMAR TRUSTEES
Chair: Kevin Kessinger, Oxford
Vice Chair: Ellen Short, Tupelo
STANDARD FORMS WORKING GROUP
Chair: Nancy Windham, Jackson
Vice Chair: Judy Freeman, Gulfport
MARPAC Trustees
Cathy Feltenstein
Meridian
State Chairman
Don Halle
Gulfport
State Vice Chairman
LOCAL ASSOCIATION EXECUTIVES
Chair: Lois Laird, Golden Triangle
Association of REALTORS®
Vice Chair: Trudy Bounds,
Hattiesburg Area Association of
REALTORS®
R
EALTORS® across the state are working
stronger and accomplishing more than
ever before, thanks to the unity the
Mississippi Association of REALTORS® provides,
says Nancy Lane, CCIM, MAR’s newly installed
president. Lane wants to achieve even greater successes in the coming year by focusing on what she
calls the three U’s:
1. “U” for you, MAR members;
2. “U” for university, MAR’s own REALTOR®
Institute
3. “U” for unity in purpose.
“It’s all about YOU,” she told attendees at her
installation ceremony held in October, where she
encouraged members to provide feedback about
how MAR can improve services.
Her hope is to involve more REALTORS® in the
policy issues that affect real estate, particularly private property rights. “The average person doesn’t
realize the constant legal pressures against private
property rights because they don’t see all the bad
legislation that comes forth. And the average
REALTOR® can’t spend time following legislation
because that’s not how REALTORS® make a living,” Lane explains.
That’s where MAR and MARPAC play a critical
role. “We, as individual REALTORS®, should raise
the red flag if we see something in our communities that doesn’t seem right,” she says. “Sound the
alarm to MAR, then let the association carry the
banner for all our members.” She believes some
REALTORS® “hold back” because they think
someone else has more experience on these
issues. “But it’s usually the people with less experience who have the most creative ideas. They
really do bring something to the table.”
Bringing something to the table
Lane admits she hasn’t always felt she was bringing anything to the table, especially as she began
making her way up the ladder in the male-dominated world of commercial real estate in 1979.
But working in groups helped her gain confidence
and expertise as a team player. “It can be hard
sometimes to prove yourself, but I grew up with
four brothers, so it never occurred to me to feel
intimidated. It’s just a lot more fun if you’re work-
Lane takes helm as MAR president
Plans to focus on uniting REALTORS®
By Sarah J. Schmidt
ing with people instead of competing against them,”
Lane explains.
Lane spent 18 years as Director of Real Estate for
the McCarty Holman Company, overseeing five family-owned partnerships, 15 shopping centers and
numerous investment properties, including the
Jitney Jungle grocery chain. Later, she joined Cook
Commercial Properties. In 2003, she opened her
own commercial real estate firm, where she handles
management, leasing, site selection and brokerage
for companies all over the U.S. She’s also a partner
in several shopping center ventures in the Jackson
area.
The Mississippi Commercial Association of REALTORS® named her REALTOR® of the Year in 2003.
She was also named to NAR’s Commercial Alliance
Committee in 2002 and 2004. Yet for all her professional accomplishments, Lane is not without certain
personal scars that will always make her see things
from a different perspective.
In April 1999, Lane had just returned from a
LeadershipMAR retreat when her 20-year old son
died suddenly. The loss was devastating. “It was
something that brought our family together and at
the same time separated us into our own grief,” she
recalls. “To go forward and find a reason to live was
the greatest personal challenge I’ve ever faced,” she
remembers painfully. The support of Lane’s fellow
LMAR colleagues, other REALTORS® and friends
carried her through that difficult time. “I had two
choices: live or die. I finally decided to live, and live
to the fullest. I continue to search for ways that God
can use my experience to help others through trying
times in their lives,” Lane says.
Learning to prioritize
Lane’s personal tragedy makes her “stop sometimes and ask how important this task is and
whether it will be important ten years from now,”
she explains. That trait served her well during her
tenure as MAR’s Education Trustee Chairman in
2001 and 2002.
Education remains a primary focus of Lane’s presidential platform. “Practitioners who bring knowledge, honor and respect to our profession make us
all better. But to do that, practitioners have to stay
educated and informed because this business
changes every day,” Lane firmly believes.
“Supporting your school [the Mississippi REALTOR®
Institute] means you’re supporting a better
informed community of REALTORS®,” Lane says.
She wants the Institute to continue raising the bar
for excellence in the profession.
Strength in numbers
Lane also wants to further unite REALTORS® across
the state, producing strength in numbers never
before seen in Mississippi real estate. For example,
MAR’s 5,400 members flexed their collective politi c a l
strength
last year,
winning
decisive
legislative
victories
on every
issue they
tackled.
Lane says
they’re
positioned
to do it
a g a i n .
“Sometimes
political
strength is
mistaken as
political pressure. But political power can be used
positively. We’ve done that over the last
several years and will continue to build
our political power,” Lane forecasts.
Recent MAR collaborations with industry groups and government agencies
addressed affordable housing and economic development concerns. Lane
says MAR’s work on a financial curriculum for high school students ties
directly into Governor Barbour’s plans
to improve statewide education. “We’re
seeing kids graduate from school and
immediately ruin their credit because they
don’t have any understanding of how to
balance a checkbook or manage their
money,” Lane says. “This has a devastating
impact on their long-term ability to
reclaim their good credit, become self-
sustaining, and achieve most of the goals independent citizens want to reach at some point in their
lives, like own a car or buy a house.”
It’s issues like these that will define the coming
year for Lane. “People who don’t know us often
think REALTORS® are all about a commission, but
that’s just not true,” says Lane, who believes
Mississippi REALTORS® take on so many other
issues and make a positive difference because
they’re unified. “I’ve
seen REALTORS® paddle upstream together
and get where they’re
going with amazing
speed because they
were united in one
direction.” n
1990 MAR President Sonja Dunaway (right)of Jackson installs
Nancy Lane, CCIM, as 2005 MAR President.
Leading by example; 2004 award
By Sarah J. Schmidt
L
eadership qualities are evident in all of MAR’s 2004 award recipients. Their extraordinary contributions to the real estate profession truly exemplify the kind
of leadership spirit this magazine seeks to inspire among its readership. That’s why we asked our 2004 award recipients to share their leadership philosophies and secrets to success.
Mississippi REALTOR®
of the Year
John D. Jones
Broker/Owner
John Jones & Associates, Pasagoula
John Jones “practices what he preaches and teaches what he preaches,” according to MAR’s CEO Scott
Brunner, CAE. Jones couldn’t have been more surprised when he was named 2004 Mississippi REALTOR® of the Year, but his colleagues say that
description of ethics and integrity fits him to a tee.
A real estate professional since 1986, Jones is widely esteemed for not just honoring, but living the
REALTOR® Code of Ethics. His exemplary record of
professionalism and leadership is inspiring. Here’s
REALTOR Hall of Fame Inductee
Brenda Calhoun Berg
Broker Associate, Prudential Ballard
Realty, Montgomery, Ala.
Brenda Calhoun Berg is a legend in the halls of real
estate education. As an MRI Instructor for 15 years,
Brenda taught courses in pre & post license, broker
prep, personal development, listing/sales techniques, and office management. She moved to
Alabama last year, but her contributions to the field
of REALTOR® education left a lasting legacy in
Mississippi.
Education: PhD & M.A., Auburn University; B.A.,
Huntington College
Professional honors: Four-time REALTOR®
Institute Instructor of the Year; Chair, MAR
REALTOR Hall of Fame Inductee
Sonja Dunaway
Partner, Dunaway & Bridges Realtors,
Jackson
Sonja Dunaway has been a driving force in the real
estate profession for decades, leaving her thumbprint
on everything from the Mississippi REALTOR®
Institute to commercial real estate. Her career stats
document an impressive and inspiring rise through
the ranks, beginning with her licensing in 1968 as
Mississippi’s first female commercial broker.
Education: Phillips Business College, Dallas
Professional honors: Governance Committee,
Mississippi REALTOR® Institute; 1990 President
a summary of his career highlights, with some
insight on what makes Jones a leader:
Education: MBA, William Carey College; BS, Univ.
Southern Miss
Professional honors: 2004 East Gulf Coast
REALTOR® of the Year; 2002 MAR Instructor of the
Year; Past-President Jackson County Board of REALTORS®; Past-Chair MARPAC; Past-President
Mississippi Commercial Association of REALTORS®
Designations: ABR, CRB, CRS, GRI
Community activities: Member of The Gideons
International; motivational speaker for churches,
youth groups and civic organizations
What’s your philosophy of leadership? “A
good leader never asks somebody to do something
he wouldn’t do himself. I also don’t think you can be
a good leader unless you know how to be a good
follower. My sister-in-law cross-stitched a wall-hanging for me several years ago for Christmas. It hangs
on my office wall, and I look at it every day because
I really believe what it says: ‘…my life belongs to the
whole community…I want to be thoroughly used up
when I die, for the harder I work, the more I live’.”
Who most inspires you as a leader? “Author
Og Mandino, who wrote The World’s Greatest
Salesman. The premise of the book is that you can’t
out-give God; the more you give, the more it comes
back to you. I first read that book sometime in the
1970’s. It had a big influence on my life because it
made me understand that what I have is a lot more
than what others may have and that I should share.”
Education Trustees; Developed the curriculum for
the REALTOR Institute brokerage management program and the 30-hour post-licensing course; frequent lecturer on personal development,
listing/sales techniques and office management
Credentials: GRI, LTG, CRB
Community activities: Teacher in Alabama’s
Literacy program; Certified Mediator in Real Estate
What’s your most memorable leadership
experience? “Serving as Chairman of MAR’s
Education Trustees. Education was and always will be
the focus of my energy and interest. My involvement
with REALTOR® education over many years is really
my biggest contribution and holds the best memories
for me. We fought some battles, but the education
committee has always been at the heart of MAR, and
education was always at the heart of my existence.”
Who most inspires you as a leader? “This
answer may surprise you, but it’s my best friend:
Sonja Dunaway. We’ve shared so many goals for
MAR over the years and worked together to make
the organization grow. Sonja was always at the forefront of MAR, leading and encouraging new people
to join our association. I’ve always admired her as a
person and as a leader.”
How could you tell when you were making
a difference? “I realized my work had made a difference one day when I had a business transaction
with a REALTOR® who had once been one of my
students. Then it happened more frequently … I
was doing business with the people I’d taught how
to do business! It was funny at first, but it made me
very proud. It was so rewarding to see students grow
and become successful REALTORS®.”
MAR (first female to hold the position); 1989-1991
Resolution Trust Corp. Task Force, National
Association of REALTORS®; 1989 Woman of the
Year, Womens’ Council of REALTORS®; 1985
President, Multiple Listing Service
Credentials: LTG, GRI
Community activities: Charter member of ACI,
a commercial networking organization founded in
Jackson.
To whom/what do you credit your success?
“It took a whole network of people to put me where
I am. It was the Womens’ Council of REALTORS ®
that first opened up the door of leadership opportunity for me. They provided a network of women
around the state that later helped me achieve vari-
ous positions further up the ladder of success.”
What leadership characteristics are most
important? “Patience and the ability to navigate
around different personalities. Smart leaders surround themselves with people who are smarter than
they are, but you’ve got to be patient enough to work
with all kinds of people.”
From where do you derive your strength? “I
thought my mother totally depended on me, but it
wasn’t until after she died and I came unraveled that
I realized how much of my strength came from her.
She taught me that women shouldn’t be restricted by
any barriers created in their own minds or by other
people. Anybody – male or female – can accomplish amazing things if they just set themselves to it.”
d recipients share secrets to success
President’s Award
Chris Wilson
Principal Broker, First Choice, P.L.L.C.,
Laurel
The MAR President’s Award is presented at the sole
discretion of the association’s President. It seeks to
recognize an individual whose contributions helped
the President in attaining the goals set forth in his
presidential platform.
Chris Wilson’s visionary strategy, grassroots networking, and fiscal responsibility earned him the
President’s Award this year for the most meaningful
contribution to MAR. Since he entered real estate in
1974, his passion for MAR and its mission have
grown through decades of involvement at all levels.
Affiliate of the Year
Marshall Holyfield
Gulf Coast Publishing, Inc., Gautier
As the first ever selected for MAR’s new
Affiliate of the Year Award, Marshall Holyfield just
topped the triple crown in a list of firsts that also
includes Affiliate Awards from the East Gulf Coast
Board of REALTORS®, Gulf Coast Association of REALTORS® and the Biloxi-Ocean Springs Association of
REALTORS®. Marshall owns Gulf Coast Publishing,
Inc., which publishes The Real Estate Guide for
South Mississippi, and the Home Finder magazines
Education: BA, Mississippi State University
Credentials: ABR
Professional Honors: 2004 MAR Secretary/
Treasurer, 2004 Chairman & 2003 Vice Chair,
MARPAC Trustees; Past President, Laurel Board of
REALTORS®; 1989 Laurel REALTOR® of the Year;
member of MAR’s Professional Standards,
Legislative & Regulatory Affairs and Association
Operations advocacy groups, and Executive
Committee; previously served on the Commercial
Alliance of REALTORS® and Professional Standards
Committee of the National Association of REALTORS®.
Community Activities: Jones County Economic
Development Authority.
What do you consider your most meaningful contribution to the real estate profession? “I was a part of the biggest push in our asso-
ciation’s history to get involved in the governmental
process and elect officials who would pay attention
to economic growth, bring more people to our
state, and take better care of those already here. I
thought this was one of the most important things
MAR had ever done, and now, it’s beginning to pay
off with many of our elected officials promoting economic development.”
How has your work with MAR shaped you as
a leader? “It’s given me more confidence. There
was a time when the only active members in MAR
were all from big city firms, but that’s changed in the
last several years. Now, REALTORS® from all over the
state take part. If a small-time broker like me from
a provincial town like Laurel can play a leadership
role, then any REALTOR® can make a positive difference, no matter where they’re from.”
in Jackson and Pearl River counties.
Professional honors: 2004 Board of Directors
Mississippi Coast Homebuilders Assoc.; 2004
Chairman Southeast Home Builders Assoc. Home &
Garden Show; 2003 Chairman Gulf Coast Assoc. of
REALTORS®' Charity Golf Tournament; 2002
Associate of the Year Southeast Homebuilders
Assoc.; MARPAC Crystal R Contributor ($2,500)
Community Activities: Youth baseball and softball umpire for over 28 years; Pine Burr Advisory
Committee for Boy Scouts
What’s your secret to success? “You have to
define the priorities in your life. Everybody’s out to
make money, but I’m out to take care of people. My
original goal was to be successful enough so my wife
wouldn’t have to work full time and could be there
when our son got home from school every afternoon. I worked hard, took care of my customers,
and they helped me reach my goal. You’ll reach
your goals if you take care of theirs.”
What’s the most valuable leadership lesson
you’ve learned? “Treat everybody the same way. I
learned that lesson from my mother, who never met
a stranger in her life. Then I watched my father-inlaw (who owned a restaurant) and my uncle (a college professor) model it in their own lives.”
2004 Local Board REALTORS® of the Year
No photo
available
Regional Affiliates of the Year
Cleveland Board
of REALTORS®
Lynn Pace
Hattiesburg Area
Association of
REALTORS®
Sue Gallaspy
North Central Mississippi
Board of REALTORS®
Terry D. Phillips
Jenene Stamboulieh
American Home Shield, Jackson
Central Affiliate of the Year
Four County Board
of REALTORS®
Harvey Pendergrast
Jackson Association
of REALTORS®
Randall Saxton
Northeast Mississippi
Association of REALTORS®
Jimmy D. Langley
Kenneth L. Jones
Gulf Title Company, Gulfport
South Affiliate of the Year
Golden Triangle
Association of
REALTORS®
Gina Rhett
Meridian Board
of REALTORS®
Debi Blocker
Northwest Mississippi
Association
of REALTORS®
Tony Jones
Michelle Mason
Mechanics Bank &
Mortgage, Oxford
North Affiliate of the Year
Greenville Board
of REALTORS®
Ray Millwood
Mississippi Commercial
Association of
REALTORS®
Chris Wilson
Pearl River Board
of REALTORS®
Bruce Kammer
Gulf Coast
Association
of REALTORS®
Margie McFarland
Natchez Board
of REALTORS®
Anna Sue Stedman
Vicksburg Board
of REALTORS®
Terri Ellis
Thank you 2004 sponsors, exhibitors & advertisers
The Mississippi Association of REALTORS® thanks the many sponsors, exhibitors and advertisers who supported our association during the past year. We look
forward to your continued support in 2005. Maybe then we’ll actually get to hold our annual Convention & EXPO!
Platinum Sponsor
Gold Sponsors
Silver Sponsor
Bronze Sponsors
Don Blaize
Mortgage Specialist
2107 Nicholson Ave
Waveland, MS 39576
Phone: 228-467-9797
Sponsors, Exhibitors & Advertisers
A + Signs Inc
1st Continental Mortgage
AAA Insurance
Aaron Office Furniture
AB Dick Southeastern
Alabama Association of REALTORS®
2006 Cruise
American Home Shield
American Mortgage Company
Ameridream, Inc.
Amerimail Direct
Amite Signs
ASAP Printing
Backstage Hair Productions
Beijo Bags
Birmingham Association
of REALTORS®
Blake Publishing, Inc.
Bonded Builders Home Warranty
The Business School for
Real Estate Pros
Capital Trust Mortgage
Cimarron Mortgage
The Clarion Ledger
Corporate Apparel & Promotions
Country Wide Home Loans
Crye-Leike Franchises
Dazzle Smiles
Delta Pecan Orchard
E-Neighborhoods
Exit Realty
FACES, PPLC
Farish, Schwartz & Orgler
Federal Land Bank Association
First American Home Buyers
Protection/Warranty
First American Title Insurance Co.
First National Financial Title Services
For 1031
Fred Salvo & Associates
Gail Dasher Therapeutic Massage
Global Sector Services, Inc.
Gulf Coast Publishing
H.U.D.
Halfacre Engineering and
Inspections
Homeland Title
Homesafe Inspection
Howard Computers
Interealty
Kathy's Accessories
MDEQ
Mississippi Business Journal
Mississippi Home Corporation
Mississippi Valley Title
Mississippi Economic Council
Mississippi Home Corporation
Musgrove Appraisals
Natchez Convention & Visitors
Bureau
National Awards
Neighborhood Gold
Newtech Graphics
ProMatch, Inc.
Real Estate Book
Realty Executives
Realty Star
ReFormsNet/Zipforms
Secretary of State's Office
Stroud and Harper
Systems Engineering, Inc.
Tennessee Valley Signs
Terminator Pest Control
The Locator Map
The Realty Store
Top Producer Systems
UA Durr Home Warranty, Inc.
United American Insurance
USDA Rural Development
Venture Technologies
Veteran’s Home Purchase Board
of Mississippi
Wells Fargo Home Mortgage
Contact MAR Marketing Specialist Krissa Dobbins at 800-747-1103,
ext. 17 or kdobbins@msrealtors.org to learn about 2005 marketing
opportunities. Get your company’s name, product and message in front
of 5,400 Mississippi REALTORS®.
CAPITOL WATCH
UPDATE ON LEGISLATIVE ISSUES IMPORTANT TO YOUR BUSINESS
Legislative & public policy preview:
What issues will define Mississippi REALTORS® in 2005?
By Sarah J. Schmidt
W
ith a remarkable year of legislative and
regulatory victories behind them,
Mississippi REALTORS® now turn to 2005
with a fresh agenda of pressing concerns that could
define new relationships and business practices
throughout the real estate profession. MAR
President Nancy Lane, CCIM, says the focus is on
advancing issues that will bring more homeownership and economic development into the state.
To that end, MAR will partner with the
Mississippi Economic Council, Mississippi
Development Authority and the Mississippi
Municipal League to host the state’s first Smart
Growth Conference scheduled for March 2 in
Jackson. The conference will bring together developers, business leaders, elected officials, and real
estate professionals to address the process of
growth in Mississippi communities and how to
avoid negative effects of urban and exurban sprawl.
MAR also plans continued involvement with the
Mississippi Housing Opportunity Coalition, created
last year to brainstorm ideas for making homeownership more accessible to all Mississippians.
Other issues MAR will focus on in 2005 include:
Agency relationships
Heading the list is the issue of agency reform. A
working group, chaired by former Real Estate
Commissioner Joe Stedman of Natchez, began meeting last year to discuss problems in the current
structure and practice of agency relationships.
The working group met and talked with REALTORS® throughout the state and found a widespread
misunderstanding of agency rules. That was especially true in disclosed dual
agency relationships. Carlene
Alfonso, vice-chair of the
working group, believes
there’s “a huge misunderstanding” among agents and
the public about dual agency.
“This is one of our greatest
challenges,” she says.
date!
“The prevailing mood
among REALTORS® is that we
need to do something regarding agency,” Stedman says.
“Everybody tries to play by the
rules, but the rules on agency
relationships are just too confusing. It’s a total nightmare.”
Stedman
says
the
Mississippi Real Estate
Commission (MREC) understands the problem and has
been supportive. He expects
the working group will meet
again early in 2005 and develop recommendations that will
ultimately satisfy both MAR
and MREC.
REALTOR® Day at the Capitol
Mark your calendar! Save the
Wednesday, February 9, 2005
Bring your entire office and make sure
that the REALTOR® perspective is being
heard at the State Capitol.
Let’s build on the success of our 2004
legislative victories. Plan NOW to attend
our REALTOR® Day at the Capitol and meet
with legislators on key issues pertinent
to your profession.
Participants will benefit from….
• Briefings from legislative leaders
• Talking points and details on MAR’s 2005
legislative priorities
• Visits with your local legislators
on their turf
• Opportunities to ask legislators for their
support of MAR issues
Sex offender/drug laws
The Department of Public Safety plans to offer
legislative revisions to strengthen Mississippi’s sex
offender (Megan’s Law) and drug enforcement laws
this year. Law enforcement officials say meth labs,
used to make the illegal drug methamphetamine,
are springing up in rental properties around the
state, especially in rural areas where privacy is easily assured. Tighter drug enforcement laws are
needed to stop the spread.
MAR believes these laws are crucial to maintaining safe communities because they trigger serious legal concerns for REALTORS®, including questions about privacy, disclosure and a host of liability issues. By contributing to the legislative revisions,
MAR intends to clarify that real estate professionals
have no affirmative duty to discover these offenses, but
are obligated to disclose information (if any is known)
to consumers and the proper legal authorities.
Governor Haley Barbour has added his support
for the effort. "I realize that REALTORS® take risks in
doing their jobs. We should offer them protection
and take this matter seriously. REALTORS® are the
eyes and ears of most properties in our state, and
we need their help in reducing the rampant rise in
meth labs that are affecting people of all race, age,
and gender," Barbour said.
Gwen James, President of the Residential
Division, Coldwell Banker Don Nance in
Hattiesburg, said the goal is to build better, stronger
communities. “We can’t put the burden of discovery
on REALTORS®, but it only makes sense for REALTORS® to support those who are combating crime
in our neighborhoods.”
Education standards
MAR also hopes to recommend a means of
developing reasonable education curriculum standards for the Mississippi Real Estate Commission to
use when evaluating potential real estate education
providers prior to granting teaching approval.
Earlier revisions to the License Law gave MREC
authority to adopt education standards, but none
exist yet. Establishing an advisory counsel to review
curriculum and require certain minimum levels of
content in each class could be a first step.
“I would love to see the real estate profession
receive the respect it deserves as a business and as a
career," says Lane. "One of the best ways to do that is
to make sure we hold our standards high and promote knowledge, honor and respect for the profession.” n
Help support MAR’s 2005 legislative
agenda
MAR needs members to key
into the REALTOR® Key
Contact Network, a businessenhancing MARPAC initiative.
MAR members who have existing relationships
with state legislators are encouraged to apply at
www.msrealtors.org. Joining this grassroots network now will help us build momentum for the
2005 legislative session. An MAR-member “key
contact” will serve as the primary political contact
person for the appointed Mississippi legislator
and will be asked to perform a variety of legislative-related functions. Contact MAR to learn
more about the qualifications and requirements
for REALTOR® key contacts.
“After-the-fact” referrals aren’t always after-the-fact
Tips for avoiding referral fee surprises
Several Mississippi REALTORS® report exorbitant referral fees charged recently by relocation companies after REALTORS® assisted clients in real estate transactions. Did you know that after-the-fact referral
fees are not allowed in Mississippi?
According to the Mississippi Real Estate Commission, the following rules apply:
1. Payment of a referral fee to an unlicensed person is prohibited in Mississippi.
2. A licensee should not demand a referral unless a legal basis for payment of that referral fee exists.
3. A licensee should not interfere with the brokerage relationship of another licensee.
If you find yourself in a situation in which a relocation company is attempting to enforce a true afterthe-fact referral, your first call should be to MREC.
But things aren’t always as they may seem. Frequently, an unpleasant surprise that looks like an afterthe-fact referral (and feels like extortion!) can be avoided if REALTORS® will simply ask a few pertinent
questions on the front end of the relationship.
Brokers should adopt and enforce an office policy that includes the following requirements:
1. That the licensee make actual inquiry of potential customers concerning the specifics of the transaction before accepting the engagement, including inquiries as to: "who is the customer’s employer", "is
the move at the request of the employer", and "is the move covered by them employer’s relocation policy",
where appropriate
2. That the licensee notify the broker of the requirement of a referral fee in the transaction
By making inquiries at the beginning of the relationship, you can easily determine whether a relocation company – and likely referral fee – will be involved, and can negotiate and proceed accordingly.
To learn more about referral fee policies go to http://arello.org/ and review the Association for Real
Estate License Law Officials referral policy, which is also MREC’s formal policy.
Governor weighs in on issues important to REALTORS®
By Sarah J. Schmidt
We asked Governor Haley Barbour how he regards the work of Mississippi REALTORS® in the state’s policy arena. His answers leave no doubt that we will continue playing a crucial role in defining and advocating the issues critical to the real estate profession and to our communities across the state.
Q: How do Mississippi REALTORS® contribute to your job creation and economic development goals?
A: Homeownership is the cornerstone of the American dream. Every day, Mississippi REALTORS® work
hard to ensure that families reach their goal of purchasing a home. With citizens who are educated and
properly trained, and a business climate that is good for commerce, all Mississippians are one step closer to making their dream a reality. Job creation is my number one priority, and I appreciate the efforts of
the Mississippi REALTORS® for hosting economic development forums and partnering with developers and
builders. In addition, I think a regulatory agency that encourages economic development and partners
with groups interested in doing business here is parallel with my plans for progress. I enjoy having a good
working relationship with REALTORS®, and I appreciate their support.
Q: What more can Mississippi REALTORS® do to help improve the quality of life in our
state?
On the cover (from left to right):
MAR President-Elect Pam Beard, CRB, CRS, GRI,
Governor Haley Barbour, MAR President Nancy
Lane, CCIM, and MAR First Vice President Chris
Wilson plan to work together in 2005 in support
of broader housing opportunity and an improved
quality of life in Mississippi.
A: Not only do Mississippi REALTORS® know the housing market, they know the features that keep our
communities healthy and attractive. I appreciate this organization’s commitment to becoming involved in
communities and helping them flourish. After all, enhancing our communities will also ensure higher
property values for the future. I’d also like to encourage Mississippi REALTORS® to continue to protect
home and landowners and their right to property ownership. Every citizen has the right to safe, decent and
affordable housing. Government should encourage quality growth by providing transportation and a solid
infrastructure that provides a framework for commercial, industrial, and residential growth. Mississippi
REALTORS® can help make Mississippi an attractive place to create jobs by joining me in our efforts to
keep Mississippi taxes low. I also know that Mississippi REALTORS® recognize the abundant natural
resources our state has to offer. I would encourage you to continue supporting policies that promote conservation and astute use of natural resources.
COMMERCIAL
REAL ESTATE REPORT
BY BETH HANSEN
Commercial REALTORS® unite to defend property rights,
clarify cooperating broker agreement
F
rom impact fees to tree ordinances to property maintenance and inspection requirements, the Mississippi Commercial Association of REALTORS® is joining forces with the Mississippi Association of REALTORS®
and the state’s economic development officials to weigh in on issues of importance to commercial development.
Defense of property rights is at the forefront of these efforts, but commercial REALTORS® also recognize the importance of community planning and
appropriate regulation of growth. MCAR hopes to work closely with local governments to craft solutions that ensure development that benefits the community without being too costly or cumbersome.
Also in 2005, an MCAR working group will begin researching the placement of liens on a property in order to ensure payment of commissions when
a written contract is in existence. Such commercial lien laws have been passed
in many other states as a solution to this potential problem in commercial
transactions.
Finally, MCAR will work in the coming year to make sure members are
aware and complying with the Mississippi Real Estate Commission’s mandatory "Cooperating Agreement with Non-Resident Principal Broker." A new form
Register by
December 31st
and SAVE!
Register at
www.msrealtors.org.
Rooted in
Real Estate
REALTORS®Enriching Mississippi's
Quality of Life
CONVENTION & EXPO
Sept. 14-17, 2005 • Natchez
became effective on July 1, 2004. The form includes the following statement:
“The Non-Resident Principal Broker MUST be present at all times if one of
his/her real estate agents, who is NOT licensed by the state of Mississippi, has
a physical presence in Mississippi in connection with any real property transaction.”
While the new form provides important safeguards for residential practitioners, many commercial REALTORS® feared that it might have a significant
impact on commercial real estate practice. Several MCAR members met with
MREC Administrator Robert Praytor to express their concerns, and he has
been very helpful in clarifying the requirements of the new form. His primary
point is that the requirement is in effect only if the salesperson not licensed in
Mississippi is physically present in Mississippi with a client. In such cases, the
principal broker must be present, but in the absence of the client, the requirement for the broker’s presence is not in effect. n
Beth Hansen is MAR’s Director of Local Board Services and is
Executive Officer for MCAR, CCIM, CRS and RLI in Mississippi. E-mail her
at bhansen@msrealtors.org.
FREE CONSULTING!
Fred Salvo Associates offers free insurance
consulting to all Mississippi REALTORS®.
• Individual Major Medical
• Group Major Medical
• Medicare Supplement
• Long Term Care
• Short Term Medical
Please contact us at the following:
Fred Salvo Associates
1583 E. County Line Rd., Suite B
Jackson, MS 39211
601.956.9217
www.fredsalvo.com
Headliners
MEMBERS IN
THE NEWS
®
Two REALTORS appointed to Miss. Home Corp. Board
Governor Haley Barbour appointed Mississippi REALTORS® Kim Wade of Jackson and Ellen Short of Tupelo to
the Board of Directors of the Mississippi Home
Corporation, the organization that serves as the state
housing finance authority.
Short
Columbia REALTOR murdered,
real estate community mourns loss
REALTORS® across Mississippi were shocked and saddened to hear of REALTOR® Janell Hatton’s murder last
month. Hatton was broker/owner of Hatton Real Estate in
Hatton the Bunker Hill community north of Columbia and a
member of the Hattiesburg Area Association of REALTORS®. At press time, eight suspects had been arrested in conjunction with
the case, according to The Clarion Ledger. Our prayers and condolences
go out to her family, friends, agents and colleagues.
Whitwell to join law practice in Southaven
MAR’s Vice President of Public Policy Quentin Whitwell
has left his MAR post to become a partner in the
Southaven law firm of Stroud, Harper & Whitwell, P.C. He
is expected to continue to serve as MAR’s lobbyist on a
Whitwell contract basis during the 2005 legislative session.
www.realtorinstitute.org
800-747-1103
Upcoming Classroom Courses
Quadrennial Code of Ethics
Standard Forms for Dummies
Salesperson Post-Licensing
Broker A (GRI-Part II)
Agency Law
Contract Law
License Law
Salesperson Pre-Licensing(GRI-Part I)
Salesperson Pre-Licensing (GRI-Part I)
Broker B
New!*! GRI Course A:
Accredited Buyer Representative
New!* GRI Course B:
Technology & Real Estate
New!* GRI Course C:
From Contract to Closing
New!* GRI Course D:
Standard Forms for Dummies
Broker Post-Licensing
Code of Ethics Enforcement
Broker A (GRI-Part II)
Broker B
Home Inspector Pre-Licensing
Meridian
Meridian
Jackson
Gulfport
Jackson
Jackson
Jackson
Jackson
Gulfport
Jackson
Gulfport
Jan. 6
Jan.6
Jan. 10-13
Jan. 10-15
Jan. 14
Jan. 14
Jan. 14
Jan.17-28
Jan. 17-28
Feb. 7- March 7 (eve.)
Feb. 7-11
Jackson
Feb. 7-8
Jackson
Feb. 9
Jackson
Feb. 9
Jackson
Gulfport
Jackson
Southaven
Jackson
Hattiesburg
Jackson
Jackson
Tupelo
Jackson
Jackson
Gulfport
Feb. 10
Feb. 14- Mar 14 (eve.)
Feb. 14-17
Feb. 21-24
Feb. 25
Feb. 28 – March 11
Feb. 28 – Mar 4
Mar. 7-11
Mar. 7-18
Mar. 14-18, April 4-8
Mar. 14-28 (exam Mon.)
Mar. 21-24
YOUR NECK OF THE WOODS
Local Board & AE Forum
In Mississippi, there are 21 local boards servicing REALTORS® in every corner of the state. Here’s what’s going on in their communities:
Biloxi-Ocean Springs
Our annual awards banquet honored the following
individuals: Affiliate of the Year Sandy Anthony,
Bridges Mortgage; Martha Helm Award Recipient
Billie Myrick, Moran Realty; and REALTOR® of the
Year Terrie Price, Coldwell Banker Alfonso. Special
recognition awards for outstanding leadership and
lifetime membership were awarded to Moody
Grishman and Harry Joachim.
Clarksdale
No information provided.
Cleveland
Four County
In our neck of the woods it has been a great year!
With our 2005 board officers’ election complete,
we’re now looking forward to the holidays. It is a
busy time for association executives trying to coordinate members and close out the year with plaques
and other recognitions for good work.
Golden Triangle
GTAR members donated toys to be distributed to
needy children at Christmas. Production of a
Lowndes County map will be completed soon. The
map is widely used locally and is an association
fundraiser. The project is also a great community
service. Large laminated copies are provided for
emergency rescue and fire departments, and many
maps are given to relief organizations during area
storms.
Greenville
For “Make A Difference Day”, October 23, the
largest national day of helping others and your community, a group of our members planted 200 daffodil bulbs in our local ‘Adopt-A-Spot’ at the corner
of Reed Rd. and Hwy. 1 for the beautification of
Greenville. What a difference a day makes!
Greenwood
Grenada
In 2004, our Board has grown from 37 members to
44 members! We are excited about our new members and hope 2005 brings us even more. We have
supported various causes throughout the year (the
most recent being “Grenada Supporting our
Troops”). May you all have a Merry Christmas and a
Happy New Year!
Gulf Coast
2004 has been a year of worthwhile accomplishments for the Gulf Coast Association. Our
Community Development Committee raised
$24,451 for two local charities at our 2nd Annual
Charity Golf Tournament event, $26,972 was raised
for RPAC with over 50% member participation. And
the merger of Gulf Coast Association and East Gulf
Coast Board was approved by NAR.
Hattiesburg
The Hattiesburg Area Association of REALTORS®
merged its separately incorporated MLS with the
HAAR which now operates as one entity. Hattiesburg
set a record for Sterling R contributions to MARPAC
in the state. Community service projects are ongoing
throughout December. Several continuing education courses were provided to members. The association grew in numbers as has been the case almost
every year, and real estate sales were at a peak again
this year. Many important decisions were made
under 2004 President Jim Stroo and we thank him
for his leadership.
Jackson
The Jackson Association of REALTORS® will install
its 2005 Board of Directors in January and kick off
the year with another great team of elected leadership. Plans are underway for regular continuing
education classes at the Board Office, along with
specialized technical/technology classes. A schedule of classes will be completed and posted on the
Jackson Association of REALTORS® website
(http://www.jacksonrealtor.com) in mid-January.
Members from any Mississippi board are welcome
at any of our classes.
Laurel
The Laurel Board of REALTORS® supports
LeadershipMAR! In 2003 & 2004 our board has
had a representative graduate from the program.
We are proud of Tanya Gray (outgoing president)
and Sandra Vaughn! Presdient-Elect Vaughn states
that the key to effective leadership is interest and
involvement in many areas. Our board is also
involved in several local charities and recently
donated $1,300 to help recent hurricane victims in
Alabama.
Meridian
Thanks for supporting our Habitat event, despite the
weather. Our food drive for Victory Outreach ended
November 9 to ensure delivery for holiday baskets
and toy collection ended December 14th for the
Wesley House Holiday program. Dues may be paid
online at www.meridianboardofrealtors.org.
Remember to include your fair share MARPAC
investment.
Mississippi Commercial Association
MCAR is proud to recognize several of its members
who were honored recently. Sonja Dunaway was
inducted into the MAR Hall of Fame and MCAR Past
President John D. Jones was named MAR’s 2004
REALTOR® of the Year. MCAR’s 2004 REALTOR® of
the Year, Chris Wilson of Laurel, also received the
President’s Award. Steve Young of Jackson was recognized as MCAR’s 2004 Affiliate of the Year. MCAR
member Nancy Lane was installed as MAR’s 2005
President.
Natchez
North Central
It is our pleasure to announce that the Mississippi
Association of REALTORS® awarded our very own
North Central Mississippi Board Treasurer and
tremendously supportive affiliate, Michelle Mason
of Mechanics Bank, North Region Affiliate of the
Year at our MAR Post Hurricane Ivan Event in
Jackson. Congratulations, Michelle, and we are very
proud of you.
Northeast
The Social Committee is planning our Annual Board
Social with the theme of "REALTORS® Giving Back to
the Community". Each person is asked to choose
from the following charities and donate something at
the luncheon: The Humane Society, Missing Children,
Safe or a care package for the troops.
Northwest
Northwest Mississippi saw lots of changes in 2004!
We moved into our brand new office and education
center at the end of July. We also welcomed the arrival
of our new Executive Officer Paul Shahan in early
September. Our membership continues to grow as we
expect to reach 1,000 by the end of the year.
Pearl River
The Pearl River County Board of REALTORS® elected the following candidates for Officers and
Directors for 2005: President - Jack Beith, Vice
President - Elaine Sones, Treasury - Deborah Benoit,
Secretary - Sherry Pullens, and Directors - Nettie
Kennedy and Patsy Mansfield.
Southwest
Vicksburg/Warren County
Congratulations to our LeadershipMAR 2004 graduates, Vanessa Leech, Leech Real Estate of Vicksburg
and Robert Sanders, Coldwell Banker ALLSTARS, Inc.
We wish you all a safe and happy holiday season!
Local boards and association executives can
submit 50-word news briefs for publication in
the next issue of Real Estate LEADER by March
1, 2005. Send items for consideration to Angela
Cain, Editor, at acain@msrealtors.org.
Fair share investments lead to greater income, quality of life
By Chris Wilson
W
ould you like to increase your sales? Have more home buyers in the
market? Your fair share investment in MARPAC helps you accomplish
these objectives.
Like REALTORS®, officials in the Legislature, the Governor’s office, and the
courts understand that economic development is the key to providing additional better paying jobs for our citizens. Adding higher paying jobs to
our state is good for REALTORS®
because it brings more well-paid
people into the housing market.
Also, higher paying jobs lead to
more state revenues without
increasing taxes to pay for things
that better our communities.
This past year, we have seen the
tide turn toward an improved economic base. REALTORS® helped
elect Governor Haley Barbour and
Lieutenant Governor Amy Tuck as
well as many legislators committed
to economic change. Under their leadership, we’ve seen several positive outcomes including:
• Passage of tort reform
• Insurance companies coming back to Mississippi to conduct business
• A new economic development team that knows how to acquire opportunities for growth in existing employers and how to find new ones
• New laws that REALTORS® support were written, sponsored, and passed
into law by friends in the Legislature
• The election of Mississippi Supreme Court justices who will bring integrity, balance and fairness to the state’s highest court
We now have bridges for communication with close friends in elected positions who will listen to our concerns and needs. When problems arise with
taxes, regulatory issues or license law improvements, we know that our collective REALTOR® voice will be heard.
All of this is possible because of your support of our MARPAC Fair Share
Investment program,
a program that exceeded all of its member participation and financial goals
in 2004. I report to you today that Mississippi REALTORS® are leading the nation
in participation, and the nation is watching. Please invest your share in 2005.
Let’s keep the momentum going. And perhaps one day homes will sell themselves, we’ll be able to take some credit in Mississippi’s
improved quality of life – and we’ll get paid more commissions, too. n
Chris Wilson of Laurel was the 2004 Chair of the MARPAC
Trustees. In 2005, he will serve as MAR’s First Vice
President.
For 2005: Strengthening
political relationships
By Cathy Feltenstein
I
want to ask each of you to support
MARPAC in 2005 by not only investing
your fair share, but also by joining
our efforts to expand member involvement at the local level. Our mission is to expand the grassroots efforts of our members in the coming year through our REALTOR® Key Contact Network (See page 17
or visit www.msrealtors.org for more information). We want to expand our base of
REALTORS® who have existing relationships with legislators to help us gain greater
access to our state’s elected leaders. When we have an important piece of legislation, we want to know which members we can call to make a personal contact with
a key legislator on MAR’s behalf.
MARPAC needs your support in 2005. Please invest your fair share. Make it part of
your annual membership dues payment and you’ll reap the benefits for the whole
year. Thanks to all of you and to 2004 MARPAC Chair Chris Wilson
for leading us to our highest member participation rate ever! We
hope to build on those successes in the new year. n
Cathy Feltenstein of Meridian is 2005 Chair of the MARPAC
Trustees.
Successful REALTORS® who are extraordinary MARPAC contributors
Golden
$5000
*As of November 5, 2004
Sterling
$1000
Crystal
$2500
Jesse Davis
Oxford
Larry Edwards
Ridgeland
Judy Glenn
Corinth
Charlotte Sadler
Pascagoula
David Stevens
Clinton
Jerry Brewer
Senatobia
Ginger Britt
Hernando
Esther Smith Brown
Tupelo
Scott Brunner
Ridgeland
Dottie Collins
Greenville
Bill Cook
Jackson
John Dinkins
Madison
Lavelle Dragula
Hattiesburg
Dottie Farris
Hattiesburg
Cathy Feltenstein
Meridian
Joan Ferguson
Germantown
Cindy Holt
Madison
Stuart Irby
Hattiesburg
Gwen James
Hattiesburg
Pat Jefcoat
Hattiesburg
Peggy Leigh
Southaven
Bob Leigh
Southaven
Peggy Love-Moore
Laurel
Ellen Short
Tupelo
Janice Shows
Madison
Debbie Sinopoli
Hattiesburg
Pam Beard
Vicksburg
Marshall Holyfield
Gautier
Judy Corts
Hattiesburg
Cheryl Cranford
Hattiesburg
Mark Cumbest
Moss Point
Ann Davis
Columbus
John Dean Jr.
Leland
Sue Gallaspy
Hattiesburg
Sue Gardner
Tupelo
Charles Green
Pascagoula
Don Halle
Gulfport
Chester Harvey
Ocean Springs
Joyce Haskins
Oxford
Joe Johnson
Laurel
John Jones
Pascagoula
Tony Jones
Olive Branch
Bruce Kammer
Picayune
Kevin Kessinger
Oxford
Nancy Lane
Jackson
Benny Lassitter
Moss Point
Johnny McArthur
Hattiesburg
Melanie Mitchell
Starkville
Gary Murphree
Houston
Donald Nace
Hattiesburg
C.R.(Bob) Ridgway
Jackson
Danette Shaw
Gulfport
Delois Smith
Hattiesburg
Andy Stetelman
Hattiesburg
Joyce Tadlock
Hattiesburg
Quentin Whitwell
Jackson
Brenda O'Neal-Lambert Belva Pleasants
Greenwood
Hattiesburg
Chris Wilson
Laurel
Terry Winstead
Meridian
Jean Amos
Starkville
Nell Wyatt
Ridgeland
Successful REALTORS® who are committed to investing their fair share
Magnolia Club $249-$999
Valerie G. Leoni,
Ocean Springs
Libbi Logan, Cleveland
Kenneth Smith, Gautier
Shereriva Strunk, Pascagoula
Lois Laird, Columbus
Amelia Irvin, Starkville
John Phillips, Biloxi
Margie McFarland, Biloxi
Stephanie McConnell,
Bay Saint Louis
Dyann Lentz, Gulfport
Steve Bullard, Biloxi
J. Austin, Pass Christian
Lori McKinney, D'Iberville
James Carson, Jackson
Jim Conerly, Jackson
Sara McCaughan, Brandon
Rosemary Stovall, Madison
Linda Graham, Jackson
Philip Holman, Jackson
Russell Wilcox, Ridgeland
Timothy Allred, Meridian
Will Knotts, Oxford
Jeanette Hollowell,
Olive Branch
Lynette Magee, Southaven
Laura Plyler, Tupelo
Harley Caldwell, Vicksburg
Jim Hobson, Vicksburg
Richard Caldwell, Vicksburg
99 Club $99 - $249
Jeanne Adams, Gulfport
John Adamson, Laurel
Kathryn Adkins, Madison
Mike Aertker, Long Beach
Carlene Alfonso, Gulfport
Jo Ann Alford, Jackson
Tim Allred, Meridian
Joree Anderson, Brandon
Larry Anderson, Olive Branch
Robert Andrews, Greenville
Wallace Ashley, Cleveland
Jim Atchison, Biloxi
Dianne Atwood, Hernando
Michael Austin, Southaven
Joe Azar, Greenville
Sherwood Bailey, Gulfport
William Bailey, Madison
Charles Ball, Columbia
Frank Barhanovich, Biloxi
Ron Barnes, Bay Saint Louis
A J Barnett, Ridgeland
Wayne Bartley, Southaven
Sharron Battaglia, Gulfport
Lu Becker, Brookhaven
John Beith, Picayune
Robert Belew, Biloxi
E. Bennett, Bay St. Louis
Randy Berg, Brandon
David Berkley, Bude
Martin Bittick, Brandon
William Blair, Columbus
Julie Blake, Brandon
Marvin Bobinger, Lucedale
Lanier Bogen, Greenville
Robert Bottin, Vicksburg
M. Boudreaux, Biloxi
Brad Bounds, Purvis
Mark Bounds, Madison
Trudy Bounds, Hattiesburg
W. Bourgeois, Laurel
Curtis Bowie, Greenwood
David Bowling, Jackson
Michael Bowling, Terry
Eric Bradley, Picayune
Larry Bradley, Brandon
Ray Branscome, Grenada
Shirley Braun, Biloxi
Brian Breithaupt, Vicksburg
Dixie Breithaupt, Vicksburg
Wesley Breland, Hattiesburg
Barbara Brewer, Gulfport
W. Bridges, Jackson
Eddie Briggs, Madison
James Briscoe, Jackson
Bettie Britt, Southaven
Cynthie Britton, Biloxi
Al Brock, Greenville
Mary Brock, Terry
Ken Broom, Hattiesburg
Joseph Broussard, Biloxi
Ann Brown, Biloxi
Dianne Brown, Natchez
George Brown, Hattiesburg
James Brown, Ridgeland
James Brown, Southaven
Roger Brown, Pontotoc
Timothy Brown, Brandon
Dan Bruns, Gulfport
Tressie Buckhaulter, Jackson
Michelle Buechner,
Theodore
Pamela Bullard, Hattiesburg
Michelle Burford, Jackson
Lloyd Burton, Jackson
Claire Butts, Flowood
Margaret Byrd,
Ocean Springs
Margaret Byrd, Flowood
Mary Byrd, Hattiesburg
Myrtle Cain-Berry,
Hattiesburg
Paul Campbell, Vicksburg
Lisa Cannon, Gautier
Richard Caraway, Jackson
Patsy Carey, Hernando
Haley Carlson, Southaven
Eugene Carothers,
Hattiesburg
Jerry Carriere, Gulfport
Teleah Carter, Columbus
David Case, Jackson
Karl Causey, Jackson
Rosemary Chambliss,
Southaven
Tammy Chancellor, Quitman
Nita Cheramie, Jackson
Travis Childers, Booneville
Bennett Chotard, Ridgeland
Ernie Clark, Brookhaven
Sue Clement, Southaven
Ressie Cliett, West Point
James Coats, Grenada
Robert Coburn, Greenville
Ginger Coggins, Collierville
Ginger Coleman, Gulfport
Dennis Coleman, Columbus
Tony Coleman, Flowood
Malinda Colerick, Biloxi
Judy Collier, Oxford
Gerald Collins, Hattiesburg
Tom Conner, Mc Comb
Cynthia Conner, Quitman
Donald Cooper, Jackson
Robert Corey, Meridian
Norma Cother, Tupelo
Peggy Cothern, McComb
Richard Cowart, Vicksburg
Sidney Cox, Brandon
David Craft, Gulfport
Freda Craft, Pascagoula
Rod Crosby, Ridgeland
Bethany Culley, Jackson
Andrea Cummins, Oxford
Robert Cunningham,
Greenville
Linda Curlee, Magee
Shirley Curry, Tupelo
Sandra Damers, Biloxi
Peter Daschbach, Jackson
A Davis, Natchez
Fred Davis, Jackson
Jan Davis, Gulfport
Mimi Deck, Madison
Jim Defoe, Jackson
Barbara Delano, Biloxi
Laura Demuth, Long Beach
Dee Denton, Ridgeland
William Deterly, Jackson
Rosa Dial, Brandon
Cindy Dickinson, Hattiesburg
Edwin Diez, Jackson
Anthony DiFatta, Madison
Barry Doleac, Hattiesburg
Steven Drown, Gulfport
Ron DuBard, GREENWOOD
Lawrence Dudley, Meridian
Robert Dugan, Brandon
Sonja Dunaway, Jackson
Paul Dunbar, Hattiesburg
Winona Dunn, Gulfport
Richard Eakes, Philadelphia
Ella East, Jackson
John Ellis, Pass Christian
Kenneth Ellis, Greenwood
Andy Estes, Tupelo
Christa Estes, Tupelo
James Etheridge, Mc Comb
Sheila Etheridge, Covington
Clarence Evans, Jackson
Cheryl Fair, Southaven
Dolores Fairley, Hattiesburg
Bernard Favret, New Orleans
Michael Fearn, Biloxi
J. Fineran, Bay St. Louis
Hal Fiser, Clarksdale
James Fleming, Carriere
Morton Floch, Ridgeland
W. Flowers, Jackson
Steven Floyd, Hattiesburg
Cecilia Forster, Southaven
Nell Foshee, Batesville
Jane Frederick, Fulton
Judy Freeman, Gulfport
Evelyn Fuller, Gulfport
Judy Galloway, Gulfport
William Gamble, Jackson
Marilyn Garbacz, Flora
Glenn Gardner, Metairie
Glen Gardner, Picayune
Mandy Gardner, Flowood
Sigrid Garner, Brandon
Michael Garvey, Hattiesburg
Allison Gates, Gulfport
Mike Gates, Hattiesburg
Win Girod, Raymond
Karen Glass, Gulfport
Jeffrey Gooden, Clarksdale
Tish Goodman, Greenwood
Jane Goodson, Jackson
Judy Goodwin, Grenada
Sharon Grace, Oxford
Charles Graham, Biloxi
Tana Graham, Jackson
Tom Graham, Gulfport
Edward Grantham, Canton
Emily Gray, Mooreville
Tanya Gray, Laurel
Donna Green, Brandon
Charles Green, Pascagoula
Paul Green, Natchez
Jamie Greer, Madison
Sue Gregory, Grenada
Anita Griffith, Cleveland
David Griffith, Cleveland
Raymond Groom, Picayune
Michael Grower, Jackson
Thomas Guest, Oxford
Shirley Gussio, Vicksburg
Kenndy Hall, Jackson
Linda Halle, Gulfport
J. Max Hamidi, Cordova
Pat Hamilton, Meridian
Carlysle Hamilton, Ocean
Springs
Royce Hanberry, Hattiesburg
Bonnie Hankins, Grenada
Caryn Hanson, Escatawpa
Doris Hardy, Columbus
Paul Hardy, Wiggins
Debby Harmon, Tupelo
Patricia Harrington,
Ocean Springs
Paul Harrington, Natchez
William Harris, Brandon
Rebecca Hatten, Hattiesburg
Janell Hatton, Columbia
Gary Hawkins, Madison
Ralph Hays, Flowood
James Healy, Gulfport
Terry Hedgepeth, Richland
Clinton Herring, Jackson
Howard Herring, Meadville
Bill Hetrick, Clinton
William Hewes, Gulfport
Cheryl High, Gulfport
Kay Hodge, Hernando
Kenneth Hodge, Nesbit
Virginia Hodges, Meridian
Tanya Holland, Columbia
Jeffrey Hollis, Oxford
Wes Holsapple, Madison
D Holstein, Biloxi
Jayna Horne, Gulfport
Nikki Horton, Leland
Margarite Howell, Meridian
Yvonne Huddleston, Jackson
Tommye Hurtt, Jackson
Larry Hutchens, Holly Springs
Nancy Hutchens, Holly Springs
Charles Hutcheson, Meridian
David Ingram, Ridgeland
James Irby, Jackson
Elizabeth Ishee, Petal
Felix Jackson, Sr.
Linda Jackson, Brandon
Anne James, Biloxi
Craig Jefcoat, Bay Springs
Marguerite Jeffcoat, Greenville
Kay Jefferies, Southaven
Joe Jenkins, Jackson
John Jenkins, Jackson
Sheila Jenkins, Ridgeland
Ann Jensen, Jackson
James Jensen, Jackson
Matt Jensen, Madison
Craig Joachim, Ocean Springs
Jane Johnson, Southaven
Kathryn Johnson, Southaven
Carole Johnson, Southaven
Gregory Johnson, Jackson
Katie Johnson, Olive Branch
Michael Johnson, Flowood
Rita Johnson, Olive Branch
Diane Jones, Olive Branch
Kenneth Jones, Gulfport
Martin Jones, Gulfport
Lavaree Jones, Jackson
J. D. Jordan, Columbus
Betty Jurich, Ocean Springs
Joseph Karr, Oxford
Cassie Kauerz, Meridian
Linda Kaufman, Biloxi
Laura Kelley, Waynesboro
Nancy Kelsey, Jackson
Mildred Kendrick, Gulfport
Ames Kergosien, Bay Saint Louis
Carolyn Kessinger, Oxford
Walter Ketchings, Ocean Springs
Robie Kight, Jackson
Lynn King, Ridgeland
Cynthia King, Gulfport
Billy King, Oxford
Jenny King, Hattiesburg
William King, Hattiesburg
Jane Kingsafer, Hattiesburg
Teresa Kinsey, Pascagoula
Jerome Kittrell, Meridian
Clifford Klousia, Jackson
William Knesal, Gulfport
Malcolm Kretschmar, Greenville
Lorraine Krohn, Gulfport
Kaye Ladd, Tupelo
Kathy Landry, Picayune
Jesse Lane, Jackson
Sandy Lane, Olive Branch
David Lane, Jackson
Mary Lang, Greenville
Catharine Langlinais,
Ocean Springs
Henry LaRose, Jackson
Angela Laster, Columbus
Steve Lawler, Picayune
Leigh Leech, Madison
Vanessa Leech, Vicksburg
Roch Lemieux, Manderville
John Lewis, Jackson
Barbara Linn, Jackson
Cindy Litsinger, Madison
Debbie Little, Meridian
George Loden, Tupelo
Marlene Logan, Pass Christian
Jimmy Lovett, Morton
Judy Lundy, Grenada
Barry Lutz, Ocean Springs
Robert Lyle, Jackson
Lawrence Magdovitz, Clarksdale
Gerard Maher, Gulfport
Michael Maloney, Brandon
Jeanie Malouf, Brandon
Patsy Mansfield, Picayune
Dick Marchbanks, Oxford
Carole Martin, Batesville
Conrad Martin, Jackson
Linda Martin, Philadelphia
Marcus Martin, Brandon
Richard Martin, Jackson
Binnie Maselle, Flowood
Doug Maselle, Flowood
David Massey, Oxford
Sandi Mathews, Ridgeland
Cherie Matthews, Oxford
Elizabeth Maximo, Picayune
Joseph McAllister, Meridian
Mary McAnally, Jackson
Sarah McArthur, Gulfport
M.L. McCarty, Columbus
Ed McDonald, Clinton
Gary McFarland, Clinton
John McFarland, Gulfport
Harold McGarrh, Greenville
Rick McGill, Columbus
Dewey McGowan, Richland
Rita McIntosh, Flowood
Jimmy McKay, Madison
Douglas McKinnon, Jackson
Curtis McMillan,
Mendenhall
George McMillin, Vicksburg
Roland McPhail, Oxford
Brenda McRae, Southaven
Julius McRee, Oxford
Samuel McReynolds,
Starkville
Lila McRight, Greenville
Sandy Metrolis, Meridian
Sunny Miceli, Gulfport
Jo Lynn Michael, Jackson
Stephanie Milam, Greenville
Joseph Miller, Jackson
Cindy Millette, Brandon
Ray Millwood, Greenville
Ken Minniti, Phoenix
Pamela Mitchell, Brandon
Jim Mitchell, flowood
Madge Mitchell, Raymond
Maurice Mitchell, Mc Henry
Jana Montgomery, Biloxi
David Moody, Philadelphia
Albert Moore, Pearl
Martha Moore, Union
Vicki Moran, Biloxi
Alfred Moran,
Ocean Springs
Sharon Moran, Gulfport
Duffy Morf, Oxford
John Morgan, Jackson
Joe Morgan, Madison
Johnny Morgan, Oxford
Tommy Morgan, Tupelo
Karen Morreale,
Pass Christian
Su Morris, Ridgeland
Leonard Morris, Batesville
David Morrow, Brandon
Jonnette Moss, Ridgeland
Rodger Motz, Southaven
Becky Murdock, Southaven
William Murdock,
Southaven
Christy Neal, Southaven
Edwin Neelly, Tupelo
Robert Neill, Hattiesburg
Benjamin Nelken, Greenville
Deborah Nettles, Starkville
Sheila Nicholas, Jackson
Keith Nichols, Corinth
Ken Nixon, Starkville
Arthur Noble, Madison
Stephen Norsworthy,
Brandon
Sollie Norwood, Jackson
Neal Olive, Ocean Springs
Martin O'Neal, Sandhill
Mark Orgler, Gulfport
Herb Orth, Vidalia
Sherry Owen, Gulfport
Lynn Pace, Cleveland
Wallace Page,
Ocean Springs
Roger Palmer, Olive Branch
Carla Palmer-Allen,
Ridgeland
Keiko Palmero, Gulfport
Phield Parish, Greenville
Guy Parker, Jackson
Barbara Payne, Gulfport
Miranda Payne, Madison
Carey Pennebaker, Jackson
Glenn Pennington, Prentiss
Gloria Petway, Southaven
Gene Phillips, Flowood
Kristie Phillips, Madison
Perry Phillips, Hattiesburg
Harry Piascik, Biloxi
R. Pierce, Madison
Robert Pigford, Meridian
Cleo Pigg, Flowood
Julia Pippin, Picayune
Helen Pitts, Tupelo
Belva Pleasants, Greenwood
Clinton Plummer, Gulfport
John Pollman, Meridian
John Praytor, Ridgeland
Terrie Price, Ocean Springs
John Price, Brandon
Cynthia Pritchard, Gautier
Linda Pruett, Greenwood
Betsy Pryor, Jackson
Frank Pucylowski,
Ridgeland
William Purvis, Gulfport
Pam Pybas, Ridgeland
Wade Quin, Brandon
Randy Ragsdale, Meridian
David Raines, Gulfport
Chari Rapp, Waveland
Dale Ray, Starkville
Margaret Ray, Meridian
Ray Rayburn, Hattiesburg
Diane Reece, Grenada
Paul Reese, Picayune
Lonnie Reynolds, Laurel
Wythe Rhett, Columbus
Sandy Richards, Gulfport
Barbara Richardson,
Jackson
Dillard Richardson, Saltillo
Gail Riddick, Drew
Jerry Riley, Gulfport
Vickie Rivers,
Ocean Springs
Martin Rivers, Biloxi
Robert Robertson, Oxford
William Rodwell, Gulfport
Jean Rosamond, Jackson
Judy Rose, Southaven
Ricky Round, Laurel
Roddy Rumbley, Madison
Douglas Rushing, Tylertown
Glenn Sable, Clinton
Billy Sanders,
Bay Saint Louis
Erma Sanders, Columbus
Mildred Sanders, Jackson
Lorraine Santo, Long Beach
Ray Sartor, Ripley
Randall Saxton, Madison
James Schaefer, Gulfport
Bernard Schmaltz,
Bay Saint Louis
Julie Schmidt, Jackson
Kim Seaman, Pascagoula
Ronnie Sellers, Clarksdale
Kate Sharp, Jackson
Billie Shaw, Madison
Lissa Shivers, Lafayette
James Shoemaker, Jackson
Frankie Shows, Columbus
Janice Shumaker, Jackson
Johnny Simmons, Jackson
Charlotte Simpson, Brandon
Larry Sims, Laurel
Reginald Sims, Madison
Bo Smith, Ridgeland
Charlotte Smith, Jackson
Daniel Smith, Diamondhead
Gary Smith, Madison
Joey Smith, Meridian
Judy Smith, Southaven
Lisa Smith, Southaven
Robert Smith, Richland
Evelyn Smith-Ransom,
Jackson
Margie Smithson,
Olive Branch
Debra Sogard,
Bay Saint Louis
Joyce Sones, Poplarville
Leland Speakes, Cleveland
Gayla Spence, Oxford
Edward Spencer,
Olive Branch
Vernon Spencer, Brandon
Sandra Stafford, Fulton
Jenene Stamboulieh,
Madison
Patricia Starnes, Gulfport
Joe Stedman, Natchez
Steven Steen, Madison
John Stermer, Ocean Springs
Mary Steward, Olive Branch
Cora Stewart, Southaven
Richard Stockett,
Crystal Springs
Charles Stone, Greenville
Troy Stricklin, Ridgeland
James Stroo, Hattiesburg
Sharon Sullivan, Jackson
Jan Swearingen, Gulfport
Tanya Swoope, Biloxi
Durwood Tadlock, Vicksburg
Rose Tate, Greenville
Ann Taylor, Ocean Springs
Joyce Taylor, Madison
Judy Taylor, Southaven
Anne Teadt, Pass Christian
Geraldine Tenhet, Mathiston
Annette Terry, Biloxi
Dawn Testa, Oxford
Eva Thomas, Jackson
Tonya Thompson, Columbus
Charles Thompson, Jackson
Matthew Thompson, Camden
Ike Thrash, Hattiesburg
Linda Throop, Moss Point
Brian Thweatt, Southaven
Joe Toms, MERIDIAN
Carla Townsend, Brandon
Ginger Turner, Ridgeland
Thomas Underwood,
Brandon
Douglas Upchurch,
Vicksburg
Gerald Vernon, Jackson
Bryan VonderBruegge,
Long Beach
Ernest Walker, Vicksburg
Gwendolyn Walker, Oxford
Arlene Wall, Biloxi
Phyllis Waltman, Hattiesburg
Bobby Ware, Gulfport
Mark Warren, Jackson
Gregory Warren, Forest
Catherine Warriner, Clinton
Janet Waterhouse,
Ocean Springs
Vicki Weaver, Ridgeland
Hermine Welch, Madison
John Wells, Gulfport
Don West, Columbus
William White, Booneville
John Wichman, Sumrall
Ginger Wiggins, Ridgeland
Clyde Wiggins, Hernando
Watkins Wild, Mc Comb
Jolie Wilding, Biloxi
Brenda Wiley, Ridgeland
Sue Wilkinson, Brandon
Bailey Williams, Corinth
Boyd Williams, Meridian
Sandra Williams, Tunica
Shirley Wilroy, Hernando
Mary Wilson, Oxford
Pattye Wilson, Greenville
Randall Wingfield, Madison
Thellis Winstead, Meridian
Tony Winstead, Meridian
W. Winstead, Meridian
Mike Wixon, Pascagoula
Lucille Wolfe, Greenville
Jerry Woods, Pearl
Margaret Woodson, Picayune
Barry Woodward, Madison
William Wright, Jackson
Mitzi Yarnell, Gulfport
Margaret Yockers, Madison
Other Contributors
Robert Abbenante, Biloxi
Joseph Abell, Ocean Springs
Patti Abernathy, Tupelo
Shirley Acosta, Gulfport
Cynthia Acosta, Biloxi
Joyce Acy, Madison
Carlton Adams, Ridgeland
Euvonne Adams, Southaven
Lisa Adams, Gulfport
Eugenia Adamson, Laurel
Gloria Addison, Meridian
Jeri Agent, Madison
Shirley Agner, Southaven
John Albano, Gautier
Dianne Albrecht, Gulfport
Bonnie Albritton, Moss Point
Elizabeth Alderman, Biloxi
Robert Aldridge, Biloxi
Harry Alexander, Oxford
Joey Alexander, Magnolia
Kim Alexander, Starkville
John Alford, Jackson
Mike Alford, Olive Branch
Sherree Allen, Brandon
Justin Allen, Biloxi
Robby Allen, Hernando
Roberta Alley, Biloxi
Shelton Allison, Jackson
Elena Alm, Biloxi
Frances Alvarado, Vicksburg
Nancy Amacker, Hattiesburg
Cora Anders, Jackson
Dazi Anderson, Olive Branch
Michael Anderson,
Hattiesburg
Silas Anderson, Jackson
Mary Andress, Vicksburg
Betty Appleton, Oxford
Bernard Armstrong,
Southaven
Elizabeth Arnold,
Pass Christian
Ellen Arnold, Ocean Springs
Kendall Arnold, Biloxi
Simeon Aspacio, Biloxi
Rebecca Atchison, Biloxi
Judy Atherton, Biloxi
Jennie Atkins, Natchez
Paul Atwood, Hernando
Jane August, Corinth
Becky Austin, Southaven
Stephanie Avant, Greenwood
Marty Ayers, Southaven
Pamela Ayers, Southaven
Lee Aylward, Cleveland
Virgie Azar, Greenville
Stacy Babb, Carriere
Grady Baggett, Biloxi
Carole Bailey, Jackson
Elizabeth Bailey, Gulfport
Kathy Bailey, Tupelo
Sandra Bailey, Gulfport
Sherret Bailey, Oxford
Peggy Bain, Corinth
Kay Baird, West Point
Bobby Baker, Batesville
Bradley Baker, Batesville
Gloria Baker, Madison
Andrea Balius,
Ocean Springs
James Ball, Vicksburg
Stephen Ballard, Southaven
Alicia Bariola, Greenville
Locke Barkley, Jackson
Jackie Barksdale, Clinton
Jane Barksdale, Ridgeland
Kenneth Barnes,
Ocean Springs
Susan Barnes, Biloxi
Claudia Barnes, Picayune
Anita Barnett, Holly Springs
Linda Barnett, Natchez
Robin Barnett, Tupelo
Susan Barnett, Laurel
Susan Barnett, Vicksburg
Charleene Barnette, Clinton
Richard Barrett, Leland
Leann Barry, Southaven
Marie Bartels, Gulfport
Kristyn Bass, Jackson
Mindy Bass, Brandon
Jane Batchelor, Vicksburg
Charles Bates, Laurel
Judy Batson, Ridgeland
Ted Batson, Ridgeland
Penny Battistelli, Cleveland
Jennifer Baum,
Diamondhead
Danny Beaman, Columbus
Clay Beard, Jackson
Jerry Beard, Vicksburg
Kathy Beck, Grenada
Lynn Bella, Biloxi
Rhonda Bennett, Gulfport
Bradley Bennett, Southaven
Patricia Bennett, Hattiesburg
Deborah Benoit, Picayune
Marcia Benson, Biloxi
Rebecca Benson, Oxford
Patricia Berret, Ridgeland
Jena Berrong, Ridgeland
Debbie Best, Mc Comb
Pam Biggs, Crystal Springs
Anthony Bishop, Biloxi
Dorothy Bittick, Brandon
Cindy Black, Tupelo
Leslie Blacklidge, Biloxi
Paul Blacksmith,
Ocean Springs
Charla Blackwell, Brandon
Brenda Blackwell,
Hattiesburg
Don Blackwell, Flowood
Gary Blair, Brookhaven
Janie Blaize, Biloxi
Daniel Bland, Natchez
LaSonya Blankenship,
Olive Branch
Susan Blanton, Southaven
Deborah Blocker, Meridian
Harold Blossman, Mc Comb
Vernon Boatman, Jackson
Jane Bobitt, Cleveland
Terri Boblick, Brandon
Alicia Bomar, Southaven
Rachel Bomar, Southaven
Chris Bond, Jackson
Janice Bond, Laurel
David Booker, Meridian
Shelly Bookwalter,
Olive Branch
Larry Borders, Grand Bay
Bonnie Borne, Batesville
Cheryl Boudreaux, Biloxi
Deanna Bourgeois, Laurel
Joseph Bourriague, Biloxi
Cecil Bowers, Greenwood
Stacie Bowers, Vicksburg
Lori Box, Greenwood
Leigh Boyd, Olive Branch
Lee Boyette, Laurel
Deborah Braden, Hernando
Gail Bradley, Hattiesburg
Lisa Bradley, Tupelo
Lori Bragg, Ridgeland
Sarah Bragg, Gautier
Joe Bramlett, Mc Comb
Stacey Bramlett, Mc Comb
Leslea Brant, Southaven
Darla Branton, Leland
Susan Brashier, Laurel
Melissa Breedlove, Brandon
Harlyn Breland, Picayune
Julie Breland, Ocean Springs
Tommy Breland, Poplarville
Harriet Brewer, Ridgeland
Ashley Bridges, Jackson
David Bridges, Jackson
Roderick Bridges, Jackson
Rebecca Briggs, Madison
Robert Briscoe, Oxford
Becky Brister, Jackson
Stephen Broadus, Gulfport
Sarah Brock, Oxford
Ann Brooks, Jackson
Teresa Brooks, Starkville
Cynthia Brosh, Biloxi
Evelyn Brown, Hurley
Brandon Brown, Brandon
Jessica Brown, Gulfport
John Brown, Ridgeland
Melanie Brown, Ridgeland
Michael Brown, Poplarville
Sammy Brown, Tupelo
Susan Brown, Ridgeland
Tinika Brown, Ridgeland
Pamela Brush,
Diamondhead
Kathy Bryan, Madison
Karen Bryant, Columbus
Lisa Bryant, Southaven
Elizabeth Buchanan,
Gulfport
Sara Buchanan, Jackson
Luran Buchanan, Jackson
Everett Buckles, Brookhaven
Patricia Buckner, Starkville
Kate Bucy, Ridgeland
Corinne Buehler, Greenville
Judith Buford, Diamondhead
Francine Bukvich, Brandon
Carolyn Bullard, Biloxi
Peggy Bullion, Hattiesburg
Cheryl Bullock, Jackson
Myrna Bullock, Biloxi
John Bunch, Greenwood
Jo Bunnell, Tupelo
Emery Burch, Purvis
Janet Burkett, Brandon
Lisa Burnett, Southaven
Martha Burnett, Oxford
Peggy Burnham, Pascagoula
Diane Burns, Gautier
Dianne Burns, Gulfport
Cheryle Burrow, Pearl
Frank Burt, Meridian
Patricia Burton, Greenville
Susan Burton, Ridgeland
Danny Busby, Laurel
Deborah Busching, Madison
Betty Bush, Ridgeland
Billy Butler, Oxford
Cynthia Butler, Biloxi
Dennis Butler, Lake Charles
Ruth Byars, Olive Branch
Hugh Byrd, Taylorsville
Kris Byrd, Laurel
Harris Callum, Flora
Chrissie Cameron, Flowood
Natalie Cameron, Poplarville
Betty Campbell, Tupelo
Judith Campbell, Southaven
Margaret Campbell, Tupelo
Vickey Campbell, Hattiesburg
William Campbell, Madison
Christine Cappiello, Gulfport
Peggy Carman, Madison
James Carmon, Hernando
Vicki Carmon, Corinth
Betty Carr, Starkville
Sybil Carraway, Vicksburg
William Carrere,
Bay Saint Louis
Hubert Carson, Gulfport
Robin Carter, Ridgeland
Janie Carter, Jackson
Ellen Carty, Hattiesburg
Sam Caruthers, Lucedale
Carol Cashes, Gulfport
Rebecca Cason, Gautier
Peggy Catchings, Jackson
Bea Cathey, Hattiesburg
Jennifer Catledge, Olive
Branch
Shannon Cavanaugh,
Gulfport
Terry Caves, Laurel
Wanda Cazaubon, Gulfport
Frederick Cerami, Brandon
Lorna Chain, Jackson
Karon Chambers, Tupelo
Gloria Chancellor, Meridian
L.M. Chancellor, Meridian
Cynthia Chappelear, Madison
Margaret Charbonnet,
Bay Saint Louis
Lavonne Chase, Jackson
Barry Chatham, Southaven
Jahnae Cherry, Olive Branch
Martha Chesser, Starkville
Amiee Christie, Gulfport
Keith Clair, Jackson
Alah Clark, Madison
Brian Clark, Biloxi
Carol Claverie, Biloxi
Amy Clay, Hernando
Robert Clay, Hernando
Kenneth Clay, Meridian
Cathi Clements, Madison
Barry Clemmer, Jackson
Sandra Clifford,
Bay Saint Louis
Kevin Clifton, Ocean Springs
Betty Cline, Crystal Springs
Mary Clisby, Ocean Springs
Gloria Clyatt, Madison
Genie Coats, Meridian
Betty Cobb, Pascagoula
Laurie Cobb, Meridian
Vickey Cobb, Meridian
Frances Coffin, Laurel
David Coggins, Tupelo
Kathy Coker, Madison
Denise Cole, Southaven
Eddie Cole, Olive Branch
Louise Cole, Tupelo
Nancy Cole, Ridgeland
David Coleman, Columbus
Kecia Coleman, Southaven
Keith Coleman, Columbus
C. Collier, Pass Christian
Trisha Collier, Meridian
Margie Collins, Olive Branch
Juanice Collins, Poplarville
Sandy Collins, Jackson
Timothy Collins, Oxford
Wendell Collins, Poplarville
Juanita Colvin, Biloxi
Robert Compretta, Waveland
Charla Conlee, Clinton
Greg Conley, Jackson
Sharon Conlin, Jackson
Donald Conn, Madison
Michael Conway, Picayune
Christy Cook, Tupelo
Patricia Cook, Olive Branch
William Cook,
Ocean Springs
Shannon Cooke, Biloxi
Jackie Coombs, Corinth
Bryan Cooper, Picayune
Tamara Cooper, Jackson
Steve Corey, Meridian
Steve Cork, Tupelo
Elizabeth Corkren, Gulfport
Dolores Cornacchione,
Mc Comb
Brian Couch, Southaven
Elmer Couch, Grenada
Brenda Coulter, Vicksburg
Barbara Cousan, Picayune
Buck Covington, Madison
Larry Cowart, Moss Point
Sandy Cox, Ocean Springs
Bobby Cox, Booneville
Gene Cox, Pass Christian
Lady Cox, Starkville
Suzanne Cox, Ridgeland
Martie Craddieth, Tougaloo
Megan Craft, Brandon
Thomas Craig, Tupelo
Cathy Crain, Jackson
Melanie Crain, Starkville
Jay Crane, Meridian
Joel Craven, Purvis
Mary Creel, Gulfport
Sheri Creel, Brandon
Billy Cross, Madison
Renee Crutchfield, Brandon
Marilyn Cuccia,
Diamondhead
Brian Cuevas, Gulfport
Renee Culpepper, Biloxi
Karen Cummins, Vicksburg
Searcy Cunningham,
Greenville
Chris Curlee, Magee
Beth Curtis, Meridian
Kelly Dabbs, Ridgeland
Sterling Dahl, Starkville
Darleen Dale, Hattiesburg
Mark Dale, Monticello
Paul Dallas, Tupelo
Veronica Dalton, Hattiesburg
Don Daniels, Southaven
Patricia Daniels, Madison
Althea Davis, Ridgeland
Cassie Davis, Meridian
Janet Davis, Cleveland
Larry Davis, Ridgeland
Mae Beth Davis, Southaven
Martha Davis, Picayune
Scott Davis, Tupelo
Clyde Day, Biloxi
Patsy Day, Jackson
Margaret Deavours, Jackson
Jenifer Decker, Tupelo
Cherry Deddens, Madison
Lesley Deddens, Madison
Patricia Dedeaux, Gulfport
Nancy DeFazio, Long Beach
Jason Deitenbeck, Flowood
Ruth Dempsey, Ackerman
Carol Dendy, Madison
Margaret Dengler, Ocean
Springs
Jerry Denham, Hattiesburg
Doris Denney, Columbus
Timothy DeRossette,
Vicksburg
Margaret Derryberry,
Brandon
Jeri Derscheid, Ocean
Springs
Dean DeRuiter, Madison
Lillie DeShields, Natchez
Pat DeWeese, Natchez
Rebecca Diaz, Bay Saint
Louis
Patsy Dingman, Gulfport
Donna Diveley, Meridian
Marjorie Dixon, Jackson
Leslie Dobbins, Biloxi
Alicia Doleac, Hattiesburg
Tracey Dooley, Meridian
Nancy Dorroh, Ocean
Springs
Patsy Douglas, Starkville
Michael Dowdy, Columbus
Carol Downing, Hattiesburg
Helene Doxey, Waveland
Sylvia Drake, Flowood
Bob Draper, Greenwood
Betty DuBard, GREENWOOD
Jason Dudley, Meridian
Alfred Dulaney, Terry
Lynn DuPont, Picayune
Carolyn Durbin, Gulfport
Lou Ann Durfey, Madison
Nancy Durham, Picayune
Margaret Duval-Scharwath,
Hattiesburg
Shannon Dye, Ridgeland
Susan Dye, Olive Branch
Janis Early, Jackson
Janice Easom, Natchez
Tamara Eastep, Gulfport
Thomas Easter, Gulfport
Brenda Easterwood,
Meridian
Paul Eavenson, Hattiesburg
Louise Echavarria, Pass
Christian
Marian Edmonson, Bay Saint
Louis
Van Edmonson, Bay Saint
Louis
Sandra Edwards, Ocean
Springs
Donna Edwards, Brandon
Joe Edwards, Brandon
Sandra Ellard, Natchez
Bethany Ellington, Madison
Caffie Ellis, Vicksburg
Fay Ellis, Southaven
Kim Ellis, Pass Christian
Terri Ellis, Vicksburg
Sue Elmore, Oxford
Jim Engle, Jackson
G. H. English, Ocean Springs
Margaret English, Bay Saint
Louis
Phyllis Enis, Columbus
Charles Epps, Byram
Terry Escue, Brandon
Sharon Eskridge, Southaven
Brenda Estes, Tupelo
Brian Estes, Jackson
Renee Estes, Columbus
Brenda Eubanks, Southaven
Demetrese Evans, Jackson
Cynthia Everett, Pascagoula
Anne Fair, Oxford
Darrell Fairchild, Hattiesburg
Jill Fairchild, Brandon
Christopher Farm,
Olive Branch
Carolyn Faust, Southaven
E Favre, Diamondhead
Melissa Fayard, Biloxi
Jackie Fearn, Biloxi
Janette Fedric, Greenwood
Cathy Feinstein, Meridian
Charles Feltus, Natchez
Lane Feltus, Natchez
Judi Ferguson, Senatobia
Stacey Ferguson, Vicksburg
Carole Ferrell, Natchez
Camille Ferriss, Brandon
Bridget Ferrucci,
Ocean Springs
Frank Fillingham, Ridgeland
Lynn Fillingham, Ridgeland
John Fiser, Clarksdale
Sara Flanagan, Greenwood
Michael Flannes, Madison
Mary Fleming, Carriere
Patricia Fleming, Mc Comb
Sally Fletcher, Jackson
Marilyn Flowers, Grenada
Donald Floyd, Meridian
Patrick Floyd, Diamondhead
Betty Flurry, Gulfport
Betsy Folmar, Madison
Ronald Forbes, Hattiesburg
Joyce Forbush, Ocean Springs
Glenn Ford, Picayune
Gloria Ford, Tupelo
Jill Ford, Jackson
Kevin Ford, Ocean Springs
Martha Ford, Picayune
Sam Ford, Gulfport
Lois Foreman, Diamondhead
Mark Formby, Picayune
Karen Forsman, Poplarville
Gloria Fortinberry, Tylertown
Helen Fortner, Diamondhead
Linda Fortune, Olive Branch
Becky Fowler, Brandon
William Fox, Starkville
Charlotte Fraisse,
Ocean Springs
Ellen Franklin, Meridian
Kelly Franklin, Biloxi
Danny Frankum, Grand Bay
Ree Frazier, Ocean Springs
Patsy Frederick, Amory
Vicki Freeze, Brandon
Janet Frisbie, Bay Saint Louis
William Frohn, Ridgeland
Jamie Frye, Meridian
James Gallaspy, Hattiesburg
Theresa Gandour, Gulfport
Beth Garland, Flowood
Lee Garland, Flowood
Jennifer Garlich, Pascagoula
Jason Garner, Gulfport
Monica Garner, Mc Comb
Ronnie Garner, Brandon
Ti Garner, Brandon
Audrey Garrett, Gulfport
Peggy Garrison, Southaven
Bettye Gartrell, Jackson
Betty Garvin, Ridgeland
Gloria Gasaway, Tupelo
Christopher Gaskin, Meridian
Betty Gates, Bay Saint Louis
Joseph Gates, Gulfport
William Gattis, Vancleave
Philip Gattuso, Hattiesburg
Robert Gavin, Natchez
Barbara Gay, Pass Christian
Phyllis Gay, Ripley
Olivia Gerald, Starkville
Gianna Giambelluca, Biloxi
Lita Gibson, Bay Saint Louis
Roy Gibson, Oxford
Helene Giles, Bay Saint Louis
Jane Gillespie, Booneville
Theresa Gillis, Byram
Thomas Gipson, Biloxi
Paula Givens, Southaven
Roger Glass, Pass Christian
William Glenn, Corinth
Karen Godfrey, Clinton
Odell Godwin, Leland
Stacey Godwin,
Bay Saint Louis
Jeff Goff, Southaven
Sue Golmon, Tupelo
John Gomes, Moss Point
Ray Gonzales, Gulfport
Jennifer Goode, Canton
Rebecca Goodell, Columbus
Taylor Goodnight, Southaven
Douglas Goodwin, Starkville
Paul Goodwin, Hattiesburg
Michelle Gorana,
Ocean Springs
Robert Gordon, Vicksburg
Kathleen Gott, Gulfport
Charles Gottesman, Biloxi
Danny Gowen, Southaven
Diane Graham, Jackson
Harold Graham, Biloxi
Hazel Graham, Ridgeland
Karen Graham, Vicksburg
Kristy Graham, Meridian
Mark Graham, Hattiesburg
Sarah Graham, Tupelo
Leslie Granberry, Gulfport
Thomas Grant, II
Stephanie Grantham,
Ridgeland
Terri Gray, Madison
Faye Gray, Meridian
Pam Gray, Madison
Patricia Gray, Hattiesburg
Scott Gray, Meridian
Thomas Gray, Mooreville
Clarissa Green, Meridian
James Green, Oxford
Michael Green, Brandon
P Green, Natchez
Eloise Greene, Biloxi
Marilyn Greene, Meridian
Tracey Greene, Meridian
Chip Grenn, Hattiesburg
Gregory Gresham,
Holly Springs
Kimberly Griffin, Brandon
Pamela Griffin, Madison
Max Griffin, Pontotoc
Yvonne Griffith, Waveland
Julia Grimes, Tupelo
Dan Grimmett, Ridgeland
Rick Grubbs, Tupelo
Patti Guerry, Columbus
Jim Guest, Oxford
Betty Guice, Biloxi
Jacob Guice, Biloxi
John Guidroz, Biloxi
Malinda Gullick, Southaven
Kathy Gustafson, Southaven
Reid Guy, Laurel
Jacqueline Haarala,
Meridian
Sam Haire, Southaven
Kenneth Hale, Southaven
Martha Hale, Corinth
Jolynda Halinski, Vicksburg
Donald Hall, Laurel
John Hall, Waveland
Joshua Halsema, Biloxi
Carolyn Handler, Biloxi
Denise Haney, Southaven
Chuck Hanna,
Ocean Springs
Kim Hanna, Southaven
Todd Hannaford, Tupelo
Jamie Hanry, Jackson
Beth Hansen, Jackson
Richard Hansen, Gulfport
Carol Hardison, Ridgeland
Rebecca Harlan, Biloxi
Bethany Harless, Jackson
John Harless, Madison
Jan Harlow, Laurel
William Harper,
Ocean Springs
Peggy Harper, Hattiesburg
Judy Harrell, Vicksburg
Scott Harrell, Brandon
Elizabeth Harriel, Biloxi
Carolyn Harrington, Natchez
Elsie Harris, Brandon
James Harris, Ridgeland
Melanie Harris, Greenwood
Pamlia Harris, Jackson
Tammy Harris, Columbia
Tom Harris, Vicksburg
Amy Harrison, Jackson
Sarah Harrison, Picayune
Andrea Harter,
Ocean Springs
Micki Hartley, Madison
Margaret Hasselvander,
Hattiesburg
David Hatchett, Jackson
Jo Hatten, Brandon
Barbara Haviland,
Ocean Springs
Leisa Havis, Biloxi
Alyssia Healy, Gulfport
Tori Heard, Madison
Michael Heath, Meridian
Jonathan Hederman, Oxford
Waurene Heflin, Tupelo
Richard Heitmann, Madison
Linda Henderson, Flowood
William Hendrix, Oxford
Cathy Henley, Picayune
Susan Henslee, Brandon
Penny Henson, Olive Branch
Gwen Herring, Oxford
Patti Herrington, Ridgeland
Robert Heslep, Cleveland
William Hester, Laurel
Marilyn Hetrick, Clinton
Williams Hewes, Gulfport
Wendy Hewlett, Oxford
Tara High, Gulfport
Bradley Hignight, Gulfport
Andrea Hill, Greenville
Brian Hill, Southaven
Elaine Hill, Laurel
Jackie Hill, Hattiesburg
Janet Hill, Gulfport
John Hill, Meridian
Norma Hill, Hattiesburg
William Hill, Southaven
Eugenia Hines, Madison
Kay Hobson, Vicksburg
Sherry Hocutt, Hattiesburg
Robert Hodges, Meridian
Mike Hoffman, Jackson
Beverly Hoge, Flowood
Julie Holcomb, Tupelo
Pamela Holcomb, Tupelo
Peggy Holder, Oxford
Jackie Holifield,
Bay Saint Louis
Tommie Holifield,
Hattiesburg
Albert Holley, Jackson
Daniel Holliman, Biloxi
Jean Holliman, Gulfport
Deanna Hollinger, Oxford
Daryl Hollingsworth,
Vicksburg
Sandra Hollingsworth,
Vicksburg
Elizabeth Holloway, Biloxi
Christopher Holloway,
Batesville
Judy Holmes, McComb
Margaret Holmes,
Pascagoula
Brent Holston, Carriere
Gert Hoover, Jackson
Gwendolyn Hoover,
Long Beach
Glenda Hopkins, Ridgeland
Carol Horne, Tupelo
Kristi Horne, Madison
Melissa Horst, Madison
Ellen Horton, Ridgeland
Lela Horton, Tupelo
Debbie Houston, Grenada
Patricia Howard, Lucedale
Berlin Howell, Water Valley
Bobbie Howell, Corinth
Kaye Howell, Hattiesburg
Mary Howes, Gulfport
Leon Hubert, Biloxi
Brian Hudson, Clinton
Lana Hudson, Flowood
Geraldine Hughes,
Bay Saint Louis
John Hughes, Laurel
Karen Hughes, Greenville
Lester Hughes, Laurel
Vickie Hughes, Southaven
Stacy Humphrey, Ripley
Ann Hunt, Picayune
Betty Hunt, Southaven
Diane Hunt, Senatobia
Marion Hunt, Southaven
Robert Hurdle, Potts Camp
Scarlett Hurdle, Potts Camp
Tom Hurdle, Oxford
Judy Hurley, Greenwood
Lisa Hurley, Meridian
James Hutcherson, Indianola
Marie Hutcheson, Meridian
Mary Lou Hutchinson,
Meridian
Sandra Hutchinson, Biloxi
Jane Hyde, Ridgeland
Nancy Ingram, Ridgeland
Randy Inman, Ridgeland
Mark Irby, Jackson
Merle Irby, Meridian
Charles Irving, Jackson
Norman Isbell, Corinth
Lawana Ivey, Southaven
Danny Ivy, Clinton
Deborah Ivy, Clinton
Clinton Jackson, Oxford
Irene Jackson, Madison
James Jackson, Greenwood
Laura Jackson, Clinton
Mary Jackson, Cleveland
Pat Jacobs, Corinth
Bryan Jameson, Madison
Arick Jamison, Ridgeland
Linda Jasmin, Southaven
Debora Jenkins, Hernando
Marshall Jenkins, Tupelo
Martin Jenkins, Meridian
Peggy Jennings, Greenwood
Elizabeth Joachim,
Ocean Springs
Debbie Joel, Cleveland
Cecil Johnson, Carriere
Charles Johnson, Hattiesburg
Dalton Johnson, Jackson
Hugh Johnson, Jackson
Jean Johnson, Laurel
Kathleen Johnson, Gautier
Lacey Johnson, Oxford
Nancy Johnson, Columbus
Patricia Johnson, Columbus
Patty Johnson, Tupelo
Vicky Johnson, Diamondhead
Wayne Johnson, Madison
Clarine Johnston,
Bogue Chitto
Ronnie Johnston, Vicksburg
Patricia Jones, Long Beach
Bridgette Jones, Biloxi
Carol Jones, Vicksburg
Carolyn Jones, Mc Comb
Danon Jones, Ridgeland
Malcom Jones, Ocean Springs
Mary Jo Jones, Pass Christian
Michelle Jones, Gulfport
Michelle Jones, Olive Branch
Robin Jones, Pascagoula
Samuel Jones, Hernando
Sarah Jones, Ridgeland
Tony Jordan, Vicksburg
Candice Jordan, Columbus
Cheryl Jordan, Laurel
Heather Jordan,
Ocean Springs
Jay Jordan, Gulfport
Nancy Jordan, Natchez
Scarlett Jordan,
Diamondhead
Vesta Jordan, Hattiesburg
Richard Joslin, Oxford
Betty Ann Joyner, Meridian
Elaine Kaden, Southaven
Kimberly Kaliszak, Biloxi
Connie Kate, Gulfport
Lisa Keefe, Corinth
Glenda Keenan, Oxford
Carolyn Keene, Vicksburg
Cynthia Kelly, Braxton
Margaret Kempner,
Ocean Springs
Dorris Kendrick, Gautier
Guy Kennedy, Southaven
Nettie Kennedy, ABR
Donald Kessinger, Oxford
Felix Key, Gulfport
Beth Keys, Columbus
James Kimbrell, Natchez
Janet Kinard, Grenada
Ella Kincade, Hattiesburg
Gail King, Mc Comb
Metra King, Southaven
Steve King, Oxford
Diane Kinsella, Southaven
Darla Kirk, Tupelo
Tracy Kirkley, Olive Branch
Janet Kirsch, Gulfport
Vicki Klein, Flowood
Carol Kloac, Tupelo
Casey Knight, Tupelo
Hugh Knight, Biloxi
Jimmy Knight, Meridian
Kathy Kolb, Vicksburg
Sharon Kotecki, Olive Branch
Juanita Kraft, Madison
Marjorie Kusser,
Diamondhead
Martha Kyker, Brandon
Jane Ladner, Jackson
Wallace Ladner, Gulfport
Karyn LaFontaine, Gulfport
Cindy Lai, Jackson
Jack Lamb, Hattiesburg
Don Lanassa, Gulfport
Betsy Landers, Ridgeland
Barbara Landry,
Bay Saint Louis
Stephanie Landry,
Ocean Springs
Pat Lane, Starkville
Margaret Laney, Oxford
Kenneth Langlinais,
Ocean Springs
Sara Langston, Tupelo
John Lankford, Gulfport
Jennifer Larson, Biloxi
Shelly Lashlee, Southaven
Ann Lauman, Jackson
Nicole Lavigne,
Ocean Springs
Beau Lawrence, Jackson
Janet Lawrence, Biloxi
Robert Learned, Gulfport
Philip LeBlanc, Gulfport
Beverly Lee, Biloxi
Martha Lee, Hattiesburg
Mary Lee, Gulfport
Wayne Lee, Jackson
Annita LeFan, Hattiesburg
Jennifer Lefoldt, Ridgeland
James Leggitt, Oxford
Nancy Lehman, Madison
Dana Lewis, Ridgeland
Mary Lewis, Ridgeland
Misti Lewis, Greenville
Tab Lewis, Hattiesburg
Vernell Lewis, Ridgeland
Shirley Liberto, Brandon
Jan Liles, Grenada
Phillip Lindley, Natchez
Janey Linley, Starkville
Scott Linn, Jackson
Mary Pat Linton, Meridian
John List, Bay Saint Louis
James Loe, Picayune
Rose Loftis, Southaven
Sean Logan, Pass Christian
Lucille Logue, Vicksburg
Christie Lott, Gulfport
Holly Lott, Greenwood
Laurie Lott, Biloxi
Leland Lott, Hattiesburg
Maris Loup, Bay Saint Louis
Teresa Love, Clinton
Faye Loveday, Columbus
Anita Lovelady, Oxford
Jason Lovern, Philadelphia
May Lowe, Ridgeland
James Lowe, Vicksburg
Lisa Lowe, Laurel
Billie Lowery, Picayune
Mary Lucas, Clinton
Bea Luckett, Tupelo
Manthie Lumpkin, Picayune
Carla Lunn, Pontotoc
David Lunn, Pontotoc
Richard Lyon, Long Beach
Jacquelyn MacDonald, Biloxi
Enid Machen, Gulfport
Virginia Macken, Gulfport
Debbie Magee, Florence
Lola Magee, Meridian
Carol Magers, Diamondhead
Cynthia Mahner, Waveland
Susie Maier, Madison
Lee Makamson, Greenwood
Michelle Malone, Jackson
Linda Maloney, Meridian
Traci Maloney, Jackson
Clare Maness, Olive Branch
Chyrl Mann, Starkville
Mark Mann, Tupelo
Mary Manning, Jackson
Michael Marcello,
Bay Saint Louis
Sheryn Maricle, Southaven
Terry Marks, Ridgeland
Jerry Marlow, Meridian
Jeffrey Martella, Brandon
Suzanne Martin, Ocean Springs
Anne Martin, Gulfport
Barbara Martin, Escatawpa
Bobbie Martin, Jackson
Henry Martin, Vicksburg
Jerry Martin, Philadelphia
Kay Martin, Jackson
Laurie Martin, Meridian
Shea Martin, Jackson
J. Mashburn, Waveland
Kai Mason, Vicksburg
Michelle Mason, Oxford
Theresa Mason, Tupelo
Teresa Mathis, Meridian
Pamela Matthews, Clinton
Billy Maxwell, Southaven
Clara Maxwell, Grenada
Linda Maxwell, Southaven
Brenda May, Gulfport
Jewelene Mayes, Ridgeland
Beth Mazzanti, Vicksburg
Walt McArthur, Hattiesburg
Audrey McBride, Starkville
Debbie McCabe, Gulfport
Robin McCaffrey, Hattiesburg
Mike McCain, Cleveland
Shelli McCarrens, Southaven
Jean McCarty, Ridgeland
Melton McCarty, Jr.
Paul McCollough, Greenville
Lane McCool, Tupelo
Leslie Dawn McCormick,
Meridian
Levi McCraney, Greenville
Judy McCrary, Petal
Annamay McCullough,
Southaven
Susie McDaniel, Hattiesburg
Jason McDerment, Lucedale
Lynn McDerment, Lucedale
Edward McDill, Jackson
Nancy McDill, Jackson
Delayne McGowan, Ridgeland
Carol McGregor, Southaven
Faye McGuffee, Clinton
Patrick McGuire, Mandeville
Roxanne McIngvale, Southaven
Elaine McIntire, Greenville
J. D. McIntosh, Flowood
Pamela McIntosh, Biloxi
John McIntyre, Waveland
Deonda McKee, Gulfport
Justin McKee, Gulfport
Patricia McKeithen, Meridian
Robert McKellar, Hattiesburg
Jeff Mckelroy, Southaven
Emeldia McKey, Ocean Springs
Beth McLellan, Kosciusko
Daniel Mcleod, Laurel
Larry McMahan, Hattiesburg
Maggie McMichael,
Hattiesburg
Nicole McMichael, Madison
Beverly McMillin, Vicksburg
Bill McMullin, Laurel
Judith McMurphy, Biloxi
Christa McNeese, Hattiesburg
Denise McNemar, Ridgeland
Joann McPherson, Meridian
Joseph McVey, Biloxi
Grace Meadows, Jackson
Laura Meadows, Pass Christian
Judy Melancon, Picayune
Abraham Menhel, Greenville
Carl Merck, Brandon
Christopher Merck, Brandon
Vera Mestayer, Bay Saint Louis
Karen Michels, Oxford
Lynn Middleton, Clarksdale
Ewing Milam, Jackson
Geneva Milam, Diamondhead
Linda Miles, Southaven
Amy Miller, Biloxi
Christy Miller, Tupelo
Elloise Miller, Batesville
Laura Miller, Hattiesburg
Nora Miller, Biloxi
Robert Miller, Pass Christian
Marty Mills, Pontotoc
Mary Mills, Flowood
Brenda Milton, Southaven
Donna Mincey, Flowood
McNeil Mitchell, Tylertown
Angie Mitchell, Laurel
Janie Mitchell, Picayune
Kimmons Mitchell, Corinth
Annette Mize, Greenwood
Mary Mizell, Diamondhead
Sonya Mobley, Gulfport
Dennis Moffett, Lucedale
Regina Mohamed, Southaven
Angela Mohr, Tupelo
Douglas Molyneaux, Gulfport
John Mondy, Ridgeland
Melonie Monk, Biloxi
Alex Monsour, Vicksburg
Donna Monsour, Meridian
Pete Montalbano, Vicksburg
Bettina Montgomery, Oxford
Gwen Montgomery,
Hattiesburg
Katherine Moody,
Ocean Springs
Doris Moody, Columbus
Janet Moody, Olive Branch
Eric Moore, Meridian
Janet Moore, Pearl
John Moore, Olive Branch
Judy Moore, Olive Branch
Lisa Moore, Jackson
Sherley Moore, Pearl
Joan Moreno, Gulfport
Adam Morgan, Tupelo
Anita Morgan, Greenwood
Doris Morgan, Gulfport
Steve Morgan, Booneville
Tracy Morgan, Clinton
Catherine Morgigno, Brandon
Chuck Morman, Brandon
Ajax Morris, Cleveland
Judy Morris, Jackson
April Mosser, D'Iberville
Tate Moudy, Brandon
John Mozingo, Gulfport
Martha Mueller, Gulfport
Jan Munn, Ocean Springs
Chester Murdock, Biloxi
Estelle Murphy, Clinton
Bonita Murphy, Jackson
Jay Murphy, Starkville
Mike Murphy, Meridian
Jackye Murray, Mc Comb
Travis Murray, Crosby
William Murtagh, Brandon
Ann Musgrove, Carriere
Ruth Myers, Clinton
Anne Myers, Madison
Jane Myers, Tupelo
John Myers, Mc Comb
Kenneth Myers, Gulfport
Pat Myers, Laurel
Tena Myers, Ridgeland
Billie Myrick, Ocean Springs
Max Myrick, Laurel
Samantha Nabors, Hernando
Winnie Nace, Hattiesburg
Dina Naron, Lucedale
George Nash, Jackson
Janie Nash, Sandhill
Douglas Nasur, Oxford
Patsy Navas, Gulfport
Margaret Nelms, Meridian
Kathleen Nelson, Gulfport
Teresa Nelson, Gautier
John Newell, Jackson
Sharon Newell, Greenville
Janice Newman, Gulfport
Karen Newsom, Ridgeland
Tran Nguyen, Biloxi
Carolyn Nichols, Gulfport
Chad Nichols, Gulfport
Clinton Nicholson, Richland
Kimberly Noffsinger, Starkville
Betsy Nolan, Diamondhead
Patrick Nolan, Diamondhead
Sarah Nolan, Diamondhead
John Noonan, Bay Saint Louis
Carlene Noone, Madison
Joyce Noone, Madison
Beverly Nordin, Jackson
Susan Norris, Biloxi
Phillip Norsworthy, Brandon
Connie Norwood, Vicksburg
Fred Nosef, Greenville
Billy Nowell, Cleveland
Nancy Nowell, Ridgeland
Brenda Null, Meridian
Tammy Nutt, Madison
Jonathan Nutt, Brandon
Alainna O'Bannon, Vicksburg
Emily O'Beirne, Natchez
Cara O'Bryant, Southaven
Kay Odom, Vicksburg
Avra O'Dwyer, Bay Saint Louis
Michael O'Dwyer,
Bay Saint Louis
Rita Ogle, Jackson
Jeanne Okamoto, Metairie
Letitia O'Lane, Southaven
Natalie Olier', Ocean Springs
Kelley Oliver, Oxford
David Olivier, Slidell
Amy Olsen, Biloxi
Susan O'Mara, Ridgeland
Brenda O'Neal-Lambert,
Hattiesburg
Tanya O'Rourke, Clinton
Maureen Orth, Vidalia
LISA Ostrovsky, Southaven
Linda Outten, Ridgeland
Kane Overstreet, Columbus
Ashley Owens, Meridian
Carol Owens, Meridian
Dana Owens, Southaven
June Owens, Hattiesburg
Bobby Pace, Ridgeland
Joshua Padgett, Gulfport
Cora Page, Oxford
MARPAC contributors...continued on page 24
MARPAC contributors...continued from page 23
Margaret Page, Meridian
Martha Page, Meridian
Rebecca Palmer, Columbus
Francis Parker, Brandon
Mary Parker, Diamondhead
Peggy Parker, Biloxi
Tammie Parks, Oxford
Bill Parrish, Gulfport
Joe Pate, West Point
Angie Patrick, Gulfport
Marla Patterson, Tupelo
Tina Patterson, Brandon
Bette Paul, Vicksburg
Tina Pavlov, Gulfport
Charles Payne, Jackson
Robert Peaks, Ocean Springs
Brenda Pearce, Tupelo
Jacqueline Pegues, Oxford
Lisa Pennington, Tupelo
Sally Perkins, Hattiesburg
Ethel Perry, Picayune
Heather Perry, Collinsville
Karen Peters, Gulfport
Michael Peters, Jackson
Mitchell Peters, Jackson
Robert Peters, Vicksburg
Twila Peterson, Pascagoula
Bob Peterson, Hattiesburg
Elaine Phelps, Ridgeland
Dixie Phelps, Ridgeland
Tamara Phillips, Biloxi
Gerald Phillips, Laurel
Hallie Phillips, Meridian
Janice Phillips, Tupelo
Terry Phillips, Oxford
Thomas Phillips, Columbus
Tim Phillips, Oxford
Silvana Piadade, Southaven
Judy Pickering, Ridgeland
Vernon Pierce, Moss Point
Bettye Pierce, Hattiesburg
Sheila Pinnix, Southaven
Laci Pittman, Clinton
Anne Pitts, Jackson
Hoyet Pitts, Tupelo
Hal Pleasants, Jackson
Ronnie Plummer, Gulfport
Anna Lynn Poitevin, Flowood
Sharon Pompelia, Meridian
Wanda Poole, Oxford
Barbara Pope, Columbus
Curtis Pope, Gulfport
Elizabeth Pope, Biloxi
James Pope, Columbus
Constance Portas, Gautier
Cyndi Porter, Hernando
Joseph Poston, Hernando
Frances Praytor, Ridgeland
Karen Preston-Morf, Oxford
Ann Prewitt, Ridgeland
Cherie Price, Olive Branch
Gayle Price, Biloxi
Ken Primos, Ridgeland
Virginia Primos, Jackson
Stephanie Prisock-Nix,
Ridgeland
Amy Probst, Bay Saint Louis
John Proctor, Jackson
Lee Pruett, Greenwood
Dale Pruitt, Brandon
Scott Purdy, Hernando
William Putman, Grenada
Lulu Pyron, Ridgeland
Billie Quinn, Laurel
Jason Quinn, Jackson
Carol Rafferty, Bay Saint Louis
Jocelyn Raimey, Hattiesburg
Suzanne Raley, Meridian
Jennine Ramage, Hernando
Charlene Ramey, Hattiesburg
Carolyn Ramsey, Vicksburg
Dero Ramsey, Starkville
Lorraine Ramsey, Clinton
Doris Randall, Gulfport
Patsy Randle, Starkville
Joe Rankin, Jackson
Joe Rankin, Brandon
Karen Rasberry, Laurel
Steve Ratcliff, Jackson
Vicky Ratliff, Natchez
Stacy Rawson, Oxford
Fletcher Ray, Ridgeland
Linda Ray, Clinton
Wayne Ray, Flowood
Barbara Rea, Meridian
Rhonda Rea-Brown, Madison
Christine Reaves, Ridgeland
Faye Rector, Columbus
David Redfield, Olive Branch
Susan Reed, Ocean Springs
Cathy Reed, Ocean Springs
Janice Reed, Tupelo
Levell Reed, Meridian
Tamara Reed, Greenville
Wayne Reed, Starkville
Trina Reeves, Biloxi
Katherine Regimbal, Oxford
Sharon Register, Hattiesburg
Sheila Reynolds, Laurel
Gina Rhett, Columbus
Robert Rhett, Columbus
Kathryn Rhett, Columbus
Penelope Rhoads, Hattiesburg
George Rhoden, Madison
Janice Rhodes, Starkville
Carolyn Richards, Hernando
Lenore Richards, Columbus
Penny Richardson,
Philadelphia
Sue Richardson, Vicksburg
William Richardson,
Long Beach
Joseph Richburg, Tupelo
Wayne Richmond,
Ocean Springs
Paula Ricks, Ridgeland
Sarah Rider, Biloxi
Cindy Riemann, Gulfport
Steven Rife, Biloxi
Rebecca Rigsby, Picayune
Louis Riles, Tupelo
Joyce Riley, Tupelo
Thomas Ring, Vicksburg
Jon Ritten, Diamondhead
Kimberly Robbins, Meridian
Robert Robbins,
Ocean Springs
Anne Roberts, Columbus
Lynwood Roberts, Tupelo
Sherry Roberts, Germantown
Ervin Robertson, Jackson
Carolyn Robertson, Columbus
Cindy Robertson, Clinton
Cynthia Robertson, Jackson
Michael Robertson,
Ocean Springs
Florence Robinson, Picayune
John Robinson, Jackson
Teresa Robinson, Madison
Claudalette Robison, Gulfport
Cynthia Rodwell, Gulfport
Shirley Roe, Flowood
Bennie Rogers, Laurel
Lisa Rohman, Tupelo
George Rosamond, Ridgeland
Fred Ross, Oxford
Bradley Roundtree, Poplarville
Rhonda Rowzee, Laurel
James Royce, Tupelo
Michele Rumbley, Madison
Jean Rushing, Madison
Von Rushing, Mc Comb
William Rushing,
Ocean Springs
Mark Ruth, Hattiesburg
Carla Rutledge, Ocean Springs
Lisa Ryan, Madison
Rob Sagona, Picayune
Bryan Saliba, Hattiesburg
Julie Sample, Ridgeland
Anita Sanderford,
Diamondhead
Robert Sanders, Vicksburg
Richard Sanders, Laurel
Leah Sandidge, Clinton
Wanda Sandlin, Southaven
William Sartor, Ripley
Sid Sasser, Brookhaven
Charlotte Satcher, Laurel
Robert Saucier, Diamondhead
Tia Saucier, Gulfport
Betty Saxton, Madison
Debra Scairono, Gulfport
Patti Schankin, Gulfport
Susan Schneeflock, Ridgeland
Ed Schreiner, Southaven
Heather Schreiner, Southaven
Marjorie Schroeder,
Bay Saint Louis
Barbara Schwarzauer, Jackson
Mary Jo Scola, Southaven
Pamela Scott, Pass Christian
Kimberly Seal, Gulfport
Miraim Seale, Hattiesburg
Jan Seall, McComb
Steve Seaman, Pascagoula
Rebecca Seay, Ridgeland
James Secrist, Meridian
Nancy Seepe, Ridgeland
Barbara Sellers, Hattiesburg
Darcy Sellers, Hattiesburg
Virginia Sells, Meridian
Diane Senger, Southaven
Denise Sexton, Biloxi
Gilda Seymour, Ocean Springs
Harley Seymour, Gulfport
Melody Seymour, Olive Branch
Shirley Seymour, Gulfport
Claire Shackelford, Gulfport
Pat Shannon, Madison
Pamela Sharp, Meridian
Marcus Sharpe, Madison
H. Morgan Shaw, Columbus
Stephanie Shaw, Gulfport
Thomas Shellnut, Biloxi
Tessa Shelton, Gulfport
Lynne Shirley, Bay Saint Louis
Carol Shoemaker, Brandon
Andy Short, Tupelo
Clay Short, Tupelo
Jeffery Short, Tupelo
Kathryn Short, Tupelo
Lynn Short, Corinth
Gregory Shows, Columbus
Rodney Shows, Hattiesburg
Sheri Shramek, Clinton
Nancy Shroyer, Gulfport
Betty Shumock, Hurley
Raphael Shumock, Hurley
James Sills, Madison
Carrie Simmons, Gulfport
Odis Simmons, Long Beach
Sharon Simmons, Vicksburg
Gary Sims, Hattiesburg
Martha Sims, Laurel
Dolly Skelton, Southaven
Sylvia Skrmetta, Pass Christian
Rose Slay, Brandon
Jane Smith, Columbus
Ray Smith, Summit
Shelby Smith, Oxford
Phyllis Smith, Jackson
Susan Smith, Hattiesburg
Alice Smith, Madison
Jill Smith, Brandon
Ellen Smith, Jackson
Betty Jo Smith, Vicksburg
Connie Smith, Brookhaven
Daphne Smith, Biloxi
Dawn Smith, Picayune
Diane Smith, Oxford
Dorothy Smith, Jackson
Elyse Smith, Tupelo
Jacquelyn Smith, Natchez
James Smith, Hattiesburg
Jennifer Smith, Southaven
Johnny Smith, Meridian
Lance Smith, Southaven
Linda Smith, Brookhaven
Linda Smith, Tupelo
Malese Smith, Biloxi
Melinda Smith, Jackson
Quinton Smith, Picayune
Ron Smith, Tupelo
Ronald Smith, Columbus
Ronald Smith, Picayune
Shane Smith, Biloxi
Stacy Smith, Bay Saint Louis
Susan Smith, Ocean Springs
Thomas Smith, Madison
Wayne Smith, Grenada
Stacie Smith-Michel,
Hattiesburg
David Smothers, Tupelo
Leigh Ann Snell, Starkville
Angela Snow, Ridgeland
Wendy Snyder, Biloxi
Cleo South, Natchez
Scott Sparkman, Madison
Allison Spencer, Southaven
Brenda Spencer, Tupelo
Karen Spencer, Grenada
Woody Spiers, Picayune
Marty Spitzer, Columbus
Harry St. Pierre,
Bay Saint Louis
Barbara Staehle,
Bay Saint Louis
Stephen Stamboulieh,
Ridgeland
Leona Starks, Oxford
Linda Starns, Flowood
Kay Staten, Grenada
Shelia Staten, Hattiesburg
Matthew Steadman, Biloxi
Anna Stedman, Natchez
Doe Steely, Ridgeland
David Stephenson, Meridian
Leslie Stephenson, Jackson
Annette Stevenson, Jackson
Janie Stewart, Ridgeland
Nancy Stewart, Hattiesburg
Perry Stewart, Hattiesburg
Venelia Stewart, Pass Christian
Bobbie Stinson, Ridgeland
Rob Stockett, Madison
Kay Stockstill, McComb
Bill Stoddard, Southaven
Debbie Stokes, Senatobia
Dawn Stolz, Bay Saint Louis
Dwayne Stone, Starkville
Fay Stone, Greenville
Debbie Stovall, Pass Christian
Douglas Stovall, Gulfport
Jacob Strait, Vicksburg
Linda Stribling, Ridgeland
Frances Stricklin, Ridgeland
Raymond Stronsky, Gulfport
Debbie Stroo, Hattiesburg
Annette Stroupe, Senatobia
Martha Strum, Gautier
Becky Stuart, Hattiesburg
Cristy Stuart, Meridian
Faith Stuart, Ridgeland
Tracy Stubblefield, Southaven
Roger Sturdivant, Flowood
Cindy Suit, Biloxi
Susan Sunderland, Gulfport
Richard Sutherland,
Pascagoula
Anthie Sutterfield, Nesbit
Jane Swain, Jackson
Kris Swartzendruber,
Diamondhead
Jay Swindle, Madison
James Tadej, Biloxi
Bobby Tadlock, Brandon
Carrie Taranto-Serpas,
Gulfport
Anita Tarnabine, Vicksburg
Kutenia Tate, Jackson
Debra Tatum, Ocean Springs
Ronald Tatum, Vicksburg
Martha Taylor, Long Beach
David Taylor, Cleveland
Dottie Taylor, Grenada
Kathy Taylor, Southaven
Marsha Taylor, Holly Springs
Tena Taylor, Oxford
Tim Taylor, Water Valley
John Teel, Ridgeland
Silvia Tello, Southaven
Carolyn Tennant, Gulfport
Irlene Terry, Ridgeland
Sam Testa, Oxford
Rita Tetzlaff, Picayune
Cynthia Thigpen, Picayune
Gerald Thomas, Flowood
Ricardo Thomas, Gulfport
Shirley Thomas, Tupelo
Leland Thomas III, Carriere
Henrietta Thompson,
Southaven
Marisue Thompson,
Bay Saint Louis
Martha Thompson, Oxford
Molly Thompson, Tupelo
Rick Thompson, Southaven
Sandra Thompson, Oxford
Brian Thornhill, Greenwood
Wayne Thornton, Vicksburg
Donna Thornton, Vicksburg
Don Thrash, Meridian
Jerry Thurman, Laurel
Carolyn Tiblier, Gulfport
Carlyn Tillman, Philadelphia
John Todd, Tougaloo
Mark Tolar, Picayune
Charles Tomasello, Gulfport
Cathy Tran, Biloxi
Glenn Trotter, Purvis
Jeanne Trotter, Hattiesburg
Cameron Tucker, Southaven
Glenda Tucker, Ridgeland
J. Mark Tucker, Laurel
James Tucker, Brandon
Tracy Tucker, Meridian
Heather Tumlinson,
Ocean Springs
Ann Tumlinson, Jackson
Katrina Turk, Hattiesburg
Barbara Turner, Tupelo
Chris Turner, Meridian
Cydney Turner, Tupelo
Kathie Turner, Ocean Springs
Ann Tyner, Madison
Charlotte Tyner, Jackson
Sarah Uhl, Biloxi
Andrea Upchurch, Vicksburg
Ginger Upchurch, Vicksburg
Jo Usry, Jackson
Jack Ussery, Southaven
Judy Uzzle, Vicksburg
Cathy Valdes, Starkville
Helen Valentine, Meridian
Charles Vance, Brandon
Jason VanDeVelde, Gulfport
Star Varnell, Vicksburg
Alice Vaughn, Oxford
Jodie Vaughn, Brandon
Sandra Vaughn, Laurel
Cindy Vick, Southaven
Gary Vickers, Brandon
Lynda Viguerie, Hattiesburg
Roberta Vinoski, Biloxi
Thomas Vlasic, Ocean Springs
Brenda Wade, Jackson
Lynn Wade, Biloxi
Ruth Wadley, Ridgeland
Raymond Waggoner, Biloxi
Sissy Wagner, Clinton
Brenda Waldrop, Columbus
Barbara Walker, Vicksburg
Carolyn Walker, Vicksburg
Deborah Walker, Jackson
George Walker, Madison
Joseph Walker, Laurel
Lisa Walker, Southaven
Martha Walker, Vicksburg
Mary Walker, Ridgeland
Victoria Walker, Madison
Diane Wallace, Vicksburg
Scarlett Wallace, Starkville
Debbie Walley, Laurel
Teresa Waltman, Long Beach
Ron Walton, Meridian
Danny Ward, Byram
Donald Ward, Laurel
Sandra Ward, Columbus
Steve Ward, Amory
Vickey Ward, Byram
Alexander Warren,
Olive Branch
Jason Warren, Tupelo
Linda Warren, Gulfport
Melissa Warren, Gulfport
Regina Warren, Gulfport
Rob Warren, Brandon
Linda Waters, Meridian
Adam Watkins, Hattiesburg
April Watkins, Corinth
Karla Watkins, Jackson
LuAnn Watkins, Picayune
Nan Watkins, Meridian
Dorothy Watson, Starkville
Sandy Webb, Gulfport
Amy Webb, Corinth
Judy Webb, Starkville
Michael Webb, Columbia
Rita Webster, Ridgeland
Nellie Weeks Crum, Corinth
Edith Weems, Southaven
Frank Weins, Meridian
Patricia Weir, Jackson
Thomas Weisenberger, Flora
Terry Wells, Ridgeland
Virginia Wells, Philadelphia
Zeno Wells, Gulfport
Jane West, Biloxi
Vicki West, Tupelo
Clarice Westmoreland, Tupelo
Franklin Whitaker, Tupelo
Juanda Whitaker, Tupelo
Bart White, Baldwyn
Dante' White, Gulfport
Donald White, Jackson
Jere White, Tupelo
Jonell White, Brandon
Katy White, Jackson
Lisa White, Jackson
Mae White, Oxford
Rebecca White, Southaven
Nathan Whitehead, Brandon
Dianne Whitfield, Oxford
Patricia Whitfield, Picayune
Patricia Whitfield, Southaven
Sue Whitten, Columbus
Brian Whitton, Clinton
William Wicht, Gulfport
Britt Wicker, Oxford
David Widner, Columbus
Natalie Wiggins, Hattiesburg
Mary Wiginton, Biloxi
R.J. Wilbanks, Southaven
Shirley Wilbanks, Columbus
Chestene Wiley, Jackson
Harriett Wilkinson, Starkville
Melinda Wilkinson, Jackson
Shirley Willard, Ocean Springs
Kimberlee Williams,
Ocean Springs
Calvin Williams, Starkville
Cherry Williams, Columbus
Donna Williams, Picayune
Faye Williams, Gulfport
Gregory Williams,
Ocean Springs
Hilbert Williams, Columbus
JoAnn Williams, Meridian
John Williams, Biloxi
Kris Williams, Hattiesburg
Leslie Williams, Gulfport
Robert Williams, Corinth
Shane Williams, West Point
Susan Williams, Starkville
Tina Williams, Meridian
Virginia Williams,
Ocean Springs
Wayne Williams, Jackson
Parish Williamson,
Philadelphia
Rosa Willis, Southaven
Todd Willis, Southaven
Jimmy Wilson, Clinton
Helen Wilson, Clinton
Betty Jo Wilson, Greenville
Jimmy Wilson, Oxford
Mabel Wilson, Southaven
Matt Wilson, Southaven
Judy Wilson, Olive Branch
Karen Winborn, Meridian
Kennith Winborn, Meridian
Nancy Windham, Jackson
Sandra Winsett, Moss Point
Yvonne Winstead, Vicksburg
Henry Winters, Waveland
Betty Wiseman, Oxford
Terri Wissel, Ridgeland
Jessica Wittmann,
Pass Christian
Teri Wolfert, Moss Point
Norlene Wolford, Columbus
Betty Womack, Tupelo
Amy Wood, Pass Christian
Michelle Wood, Biloxi
Paul Wood, Ocean Springs
Shelia Wood, Tupelo
Glade Woods, Picayune
Jo Woods, Picayune
Elizabeth Woodward, Madison
Lynn Wooldridge, Tupelo
Marcia Wright, Pearl
Sandra Wright, Hattiesburg
Sherrell Wright, Vicksburg
Karla Wroten, Natchez
Sybil Wroten, Natchez
Tabitha Wroten, Natchez
George Wyatt, Ridgeland
Edward Yarnell, Gulfport
Ruby Yates, Jackson
Gingia Yerger, Jackson
Robert Yonkers, Jackson
Joe Young, Saltillo
Martha Young, Meridian
Mickey Young, Tupelo
Stephanie Young, Oxford
Vincent Young, Columbus
Shirley Zimmerman,
Ocean Springs
Local Board MARPAC participation levels
As of November 5, 2004
Congratulations and thank you to all of the local boards and their presidents who
helped us exceed our MARPAC participation goal of 50 percent. Special thanks to our
local boards who met and exceeded their local participation and fundraising goals.
Biloxi-Ocean Springs
51%
(Exceeded fundraising goal)
President Sandra Edwards
Clarksdale
18%
President Jeffrey Gooden
Cleveland
61%
President Libbi Logan
East Gulf Coast
58%
President Charles Green
Four County
23%
President Robert Williams
Golden Triangle
80%
President Jean Amos
Greenville
59%
President Ray Millwood
Greenwood
54%
President Belva Pleasants
Grenada
47%
President Karen Spencer
Gulf Coast
58%
President Keith Mitchell
Hattiesburg
56%
(Over financial goal &
most Sterling R’s)
President James Stroo
Jackson
42%
Jimmy McKay
Laurel
88%
President Tanya Gray
Meridian
94%
(Over financial goal & first
to reach goal)
President Cathy Feltenstein
MCAR
52%
President Larry Dudley
Natchez
34%
President Marlon Copeland
North Central
50%
President Sharon Grace
Northwest
57%
President Tony Jones
Northeast
37%
President Jimmy Langley
Pearl River
56%
President Margaret Woodson
Southwest
20%
President Kay Stockstill
Vicksburg
69%
President Vanessa Leech
Local AEs
100%
100%
TOTAL Participation
51%
REALTOR RESOURCES
®
MAR Affinity Partners
NEW! A.B. Dick Southeastern
www.abdicksoutheastern.com
dustin@abdicksoutheastern.com
601-664-6777
(Dustin Carmean)
Sales and service of office equipment, including:
• Digital copiers (color & black/white)
• Printers (color & black/white)
• Fax machines
• Network Connected/Multi-functional
• Scanners
These products will be offered to MAR at a special
rate of 8% above dealer cost.
NEW! Venture Technologies
www.ventech.com
601-956-5440
Venture Technologies joins MAR as its newest affinity
partner, offering networking; telephony; managed
services; web design, development and hosting. Virusfree and SPAM-FREE e-mail and application hosting is
available through Venture's secure data center. Focus
on real estate – not on your network. Take advantage
of exclusive REALTOR® savings.
AmSouth Bank
www.amsouth.com
gloria.allenhill@amsouth.com
800-AMSOUTH
• Free personal checking (and more)
• Free telephone and internet banking
• No annual fee on fixed-rate credit cards,
installment loan discounts
• FREE safe deposit box for six months
Fred Salvo Associates
lynda@fredsalvo.com
601-956-9217
Fred Salvo Associates offers free insurance consulting
to all Mississippi REALTORS® to identify their specific
needs and offer quality solutions.
• Individual Major Medical
• Group Major Medical
• Medicare Supplement
• Long Term Care
• Short Term Medical
Hallmark Imports
www.hallmarktoyota.com or
www.hallmarkbmw.com
601-899-7231; 800-898-0785
Mississippi REALTOR®-only offer:
• Purchase of any new Toyota or BMW for dealer
invoice price plus six percent
• Purchase a vehicle from Hallmark in Jackson and
receive free local routine maintenance for the first
50,000 miles—at your hometown dealer.
Howard Computers
www.howard-computers.com/msrealtors
601-399-5025
(Stacey Pickering)
• Desktop & laptop systems customized for
Mississippi REALTORS®
• Build your own system by choosing components
that work for you
• Support Mississippi's economy by doing business
with a MS company
MAR Members-Only Services
Legal Hotline
800-747-1103 x25
• FREE and CONFIDENTIAL
• Available Monday-Friday, 8 a.m.-5 p.m.
• Leave a detailed message, your name and number,
and in most cases our attorney will return your
call that same day!
• Please read terms and conditions at
www.msrealtors.org
MAROnline
www.msrealtors.org
• Your round-the-clock REALTOR® resource
• Register for meetings and events
• Includes MAR’s at-a-glance info
newsletter, updated daily
• Standard real estate forms
• Download our Mississippi Managing Broker kits,
including customizable office policies & procedures in Word
• Minutes from previous MAR committee & Board
of Directors meetings
ZipForm™
Standard Forms Software
First software download FREE for MAR members.
Includes 27 newly revised, Mississippi-specific standard forms and contracts, plus three new commercial
contracts NAR-recommended software with a new
level of user-friendliness (including e-mail compatibility!) Download and register the software at www.msrealtors.org.
REALTOR® VIP Alliances
www.realtor.org/prodser.nsf?opendatabase
800-874-6500
Inclusive of NAR’s former REALTOR® Benefits Plus program, REALTOR® VIP is a comprehensive program of
insurance and financial solutions, preferred pricing,
and special publications designed to help you make
smart business decisions, gain the advantages of group
buying power, secure your future, expand your professional knowledge and enhance your success.
INFORMATION
CENTRAL
2005 Executive Committee
Nancy Lane, CCIM, President
nancylaneccim@earthlink.net, 601-362-7887
Pam Beard, CRB, President-Elect
pambeard@brokersouthgmac.com, 601-638-4505
Chris Wilson, First Vice President
chris@msrealtors.org, 601-649-1030
Janice Shows, ABR, Central Vice President
Jshowsrealtor@aol.com, 601-856-2222
Bob Leigh, Northern Vice President
bobleigh@midsouth.rr.com, 662-890-9696
Russell Wilcox, Secretary-Treasurer
rwilcox@woodlandsrealtygroup.com, 601-956-9833
Bruce Kammer, CRS, Immediate Past President
bruce@msrealtors.org, 601-798-7942
Gary Murphree, Ex Officio
garym@midsouth.com, 662-456-3945
Staff Directory
R. Scott Brunner, CAE, Chief Executive Officer
rscottbrun@aol.com, ext. 12
Jo Usry, Vice President of Professional
Development, jusry@msrealtors.org, ext. 14
William Fulton, Vice President of Administration
wfulton@msrealtors.org, ext. 13
Quentin Whitwell, Vice President of Public Policy,
qwhitwell@msrealtors.org, ext. 28
Angela Cain, Vice President of Marketing
acain@msrealtors.org, ext. 11
Beth Hansen, Director of Local Board
Services/MCAR/CCIM/CRS/RLI
bhansen@msrealtors.org, ext. 15
Heather Burns, Meetings & Events Manager
hburnsgarcia@msrealtors.org, ext. 29
Cindy Howard, Executive Assistant &
Facility Manager
choward@msrealtors.org, ext. 10
Brinda Boutwell, CE Course Advisor
bboutwell@msrealtors.org, ext. 45
Krissa Dobbins, Marketing Specialist
kdobbins@msrealtors.org, ext. 17
Della Wilson-Turner, Receptionist
dturner@msrealtors.org, ext. 47
Amy Thomas, Pre-Licensing Course Advisor
athomas@msrealtors.org, ext. 46
Mike Delamater, Systems Administrator
mdelamater@msrealtors.org, ext.27
Toll-free:800-747-1103
Tel:
601-932-5241
E-mail: mar@msrealtors.org
Web:
www.msrealtors.org
Referral Advertising
LeadershipMAR Class of 2004
Thank you
MAR for a
great year!
THE LAST WORD
BY SCOTT BRUNNER ©
Poinsettias I never tasted
Perception, reality, and the burden of disproof
I
III.
t began with a childhood altercation with a poinsettia…or rather, an altercation involving a poinsettia. The altercation actually was with my grandmother.
I was maybe six years old at the time, and despite what she’ll tell you, I was
NOT trying to eat her poinsettia. I may have been young, but I did know better
than to nibble on the houseplants.
The thing was large, maybe four feet tall, the kind of prosaic poinsettia seldom seen these days, this one having survived multiple seasons, and now, having matured, it stood blood-red, gothic, a darkness-craving Bela Lugosi en vegetable, before the window in a musty front bedroom of my grandparents’ modest farmhouse.
There, on a crisp December afternoon, I leaned forward to sniff the thing,
right at the moment my grandmother passed by the door and spied me. She let
fly a shriek and barrelled across the room to snatch me away from a supposed
death.
“Spit it out, son, them’s poisonous!” she wheezed, and commenced to rummaging her finger around in my horrified, gaping mouth in hopes of fetching
out any remaining poinsettia residue from the bite she was certain I’d just
taken.
There was no ipecac in the house, so she gave me a laxative, figuring, I suppose, that there was more than one way to rid my system of Poinsettia toxins,
and even the milky white poison (purported poison, I should say) that swam in
the veins of that dreaded plant surely would be no match for the world’s meanest home remedy: castor oil. (If I had to pick a leitmotif for my childhood, by
the way, it surely would be castor oil…but that’s another story.)
And even at that, it could have been just another in what was to be a long
line of childhood learning experiences. But no. By the telling and retelling of it
among aunts and uncles and cousins, it soon became family legend – how
Scotty was saved from certain death-by-poinsettia, thanks to Mamaw’s
omnipresence and quick thinking.
Truth is…whatever people think it is. Perception is reality.
In particular, when you’re six years old – or forty – the truth happens to be
whatever your grandmother believes, and no amount of protesting on your part
– not the fog of passing time or even latter-day scientific research that in fact renders her concerns mute – can convince her to the contrary.
I confronted MaMaw with Norman’s nugget of truth, and what I got in return
was a disgusted "Pshaw…”, followed by a pause, and then, quietly: “A feller
that’ll eat a houseplant’ll believe anything, I reckon." n
I
Scott Brunner is MAR’s Executive Vice President and the author of two
books, Due South and Carryin’ On…and Other Strange Things Southerners Do.
E-mail him at rscottbrun@aol.com.
Farish,
Schwartz
& Orgler, PLLC
Attorneys at Law
II.
And so my life came to be haunted by a poinsettia I’d not tasted. That is, until
one crisp morning last December when, motoring to the office, my dialed tuned
to Public Radio, I heard Norman Winter, the Southern Gardener, utter words
that for me spoke truth and justice and redress.
According to researchers at Ohio State University, Norman said breezily,
Poinsettias, are not poisonous. I gasped and swerved and stared at the radio.
But there it was: the fiction of poinsettia toxicity unmasked at last. That evillooking queen of Christmas might be the holiday’s fiercest flower, but the legend of her more insidious powers – i.e., to poison – was debunked.
Now, for the average person, unsullied by the burden of false accusation,
this would have been just another innocuous tidbit, one more old wives’ tale
controverted by modern government-funded research. For me, though, it was
something else: vindication. Or so I thought.
15487 Oak Lane Drive, Ste 200 I
Gulfport, MS 39503
228-832-8550
2355 Pass Road, Suite B
Biloxi, MS 39531
228-388-7441

Real Estate LEADER Magazine (Winter 2004)

Transcription

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