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November 19, 2004     Cape Gazette
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58 - CAPE GAZETTE, Friday, Nov. 19 - Nov. 22, 2004 Citizens Bank name d top small business lender Citizens Bank was recently named by the U.S. Small Busi- ness Administration (SBA) as the No. 1 small business lender in the state of Delaware and the Mid-At- lantic Region for the third consec- utive year. In Delaware, Citizens Bank topped all SBA lenders in the number of loans with 134 loans totaling $4.5 million. In all, the Delaware SBA Office had 291 loan approvals totaling about $36.3 million in fiscal year 2004. SBA ranking is based on the num- ber of SBA loan units written and approved by the SBA between Oct. 1, 2003 and Sept. 30, 2004. "Small business is the econom- ic engine that fuels our economy and creates the most new jobs for Kirtley named DCF board chairman Donald R. Kirtley has been elected to a two-year term as chairman of the board of directors of the Delaware Community Foundation (DCF), a nonprofit, philanthropic organization that manages charitable funds and awards grants to benefit the com- munity. He was among Delaware's community leaders involved in the early discussion leading to the establishment of the DCF in 1986. Prior to becoming a DCF board member six years ago, Kirtley was a member of the foundation's Investment Committee. He has served as vice 'chairman of the board for two years and chaired the Marketing and Com- munications Committee and the Ethics Committee. Kirtley, who is retired as vice president of public affairs at Hercules Inc., is a past chairman of the Arts Con- sortium of Delaware (Art- Co). In addition KIRTLEY to his chair- manship of the DCF board of di- rectors, he currently serves on the boards of Christiana Care Health System and the Grand Opera House and the regional board of American Hospital Association. In the past, he has served on the board of numerous social service agencies, including Boys & Girls Clubs of Delaware. Two former directors have re- turned to of the DCF board of di- Lokken selected as a PIA portfolio manager Jonathan Lokken of the Rehoboth Beach office has been selected as a portfolio manager in the Personal Investment Advisory (PIA) program, a fee-based investment advisory program offered by Merrill Lynch, Lokken Can now manage accounts enrolled in the PIA program on a discretionary basis considering each client's investment objectives, time horizon, tolerance for risk and reasonable investment restrictions. Lokken lives in Lewes and has been a part of Merrill Lynch's Re- hoboth Beach office for six years and also serves as the office resident director. He is a graduate of Carleton College, and holds the certified invest- ment management analyst (CIMA) designation rectors this year. Kathleen Furey McDonough, a partner with Pot- ter Anderson Corroon LLP, is serving as secretary and chairs the Personnel Committee. Thomas D. Wren, group execu- tive and treasurer of MBNA America Bank N.A., is chairman of the Audit Committee and a member of the Investment Com- mittee. Among those continuing to serve on the board this year are four residents of Kent or Sussex counties: D. Wayne Holden, Dover; David G. Burton, Milford; Linda L. Chick, Harrington; and Howard R. Layton, Millsboro. For further information about creating a fund through the Delaware Community Founda- tion or learning about its grant- making process, call one of the offices in New Castle or Sussex counties or visit the DCF website at www.delcf.org. M-1070 Old State Road Mature Wooded Lot with restrictioos. Preliminary findings suggest standard gravity septic. 1.4 Acres. $gg,ooo - WlO North Shores * Milford Lovely Brick Ranch. Quality throughout; Hardwood Floors, Free Standing Brick Rreplace with insert, Pella Windows, 4 Car Garage. $299,000. M-1070 Sugar Maple Farms Country Comlorts, New Construction, Ready Immediately, 5 Year Warranty, Over Hail Acre Lot, Landscaped, Paved Driveway, Heat Pump, Central Air, Fireplace with Gas Insert, Quality Builder, East of Route 1. 3 Bedroom, 2 Baths, 2 Cer Garage S244,S00 - IH32 M-1053 VA CANT LAND Sherwood Forest Beautiful Salt Box home situated in a great neighborhood. Close to boating & public golf course. Very nice screened back porch off the. master bedroom. $235,000 - M-1169 Shirley Renzi & The Home Team ERA Harrington Realty, Inc 995 N. DuPont Highway Milford, DE 19963 (302) 422-2424 ext. 111 Office (302) 270-3180 Cellular our local work force," said Richelle Vible, president and CEO of Citizens Bank in Delaware. "We are honored by this designation by the local SBA and promise to work even harder next year and into the future to meet the needs, of small business customers in our community." Vible recognized Citizens Bank coUeagues in Delaware for fulfill- ing the bank's commitment to small business and thanked cus- tomers for entrusting Citizens with their plans for growth and expansion. "Our colleagues un- derstand and appreciate our com- pany mission and core values and put that mission and those values to work in making Citizens Bank the lender of choice among small businesses," Vible said. "We are grateful for the relationships we maintain with small business cus- tomers in Delaware and, as com- panies expand their operations and grow their business, we take a great deal of pride in watching many of these relationships grOW." "Citizens Bank's status as the No. 1 SBA lender for three con- secutive years is a testament to the bank's understanding of the unique challenges facing Small business owners," said Jayne Armstrong, director of the SBA's Delaware Office. "It also is an affirmation of the bank's indisputable desire to help small business owners meet those challenges and become success- ful enterprises. I commend Citi- zens Bank for its leadership and for maintaining its high level of investment in Delaware's small business community." For the third consecutive year, Citizens Bank also was named the No. 2 SBA lender in the nation. Mary Ann Malatesta Malewski, Gri m REALTOr $i#ce 1976 "Experience Counts" R,441('Realty 117 Savannah Rd. Lewes Main 645-6100 Direct 645-5844 800 244-2501 LOW R kTES... AREJ US;T THE BEGINNING Serving home buyers and the realtor community with unParalleled customer service. * More Loan Types Available Than I Can List * Personal Service -"I Put My Customers First" * Free Pre-Approvals * Bringing You Closer To The American Dream AMERICAN HOME MORTGAGE Lewes Branch 34382 Carpenters Way Lewes, DE 19958 Barbara Brittingham Loan Consultant 800-643-9268 x6063 302'644-6063 A American Home shares are traded on the NYSE under the symbol AHM. Ranked 2nd on Fortune's 15th annual list of "America's 100 Fastest Growing Companies," American Home Mortgage is the 14th largest retail mortgage lender in the United States. Licensed Mortgage Banker or Authorized Lender in the Fifty States and The District of Columbia. 58 - CAPE GAZETTE, Friday, Nov. 19 - Nov. 22, 2004 Citizens Bank name d top small business lender Citizens Bank was recently named by the U.S. Small Busi- ness Administration (SBA) as the No. 1 small business lender in the state of Delaware and the Mid-At- lantic Region for the third consec- utive year. In Delaware, Citizens Bank topped all SBA lenders in the number of loans with 134 loans totaling $4.5 million. In all, the Delaware SBA Office had 291 loan approvals totaling about $36.3 million in fiscal year 2004. SBA ranking is based on the num- ber of SBA loan units written and approved by the SBA between Oct. 1, 2003 and Sept. 30, 2004. "Small business is the econom- ic engine that fuels our economy and creates the most new jobs for Kirtley named DCF board chairman Donald R. Kirtley has been elected to a two-year term as chairman of the board of directors of the Delaware Community Foundation (DCF), a nonprofit, philanthropic organization that manages charitable funds and awards grants to benefit the com- munity. He was among Delaware's community leaders involved in the early discussion leading to the establishment of the DCF in 1986. Prior to becoming a DCF board member six years ago, Kirtley was a member of the foundation's Investment Committee. He has served as vice 'chairman of the board for two years and chaired the Marketing and Com- munications Committee and the Ethics Committee. Kirtley, who is retired as vice president of public affairs at Hercules Inc., is a past chairman of the Arts Con- sortium of Delaware (Art- Co). In addition KIRTLEY to his chair- manship of the DCF board of di- rectors, he currently serves on the boards of Christiana Care Health System and the Grand Opera House and the regional board of American Hospital Association. In the past, he has served on the board of numerous social service agencies, including Boys & Girls Clubs of Delaware. Two former directors have re- turned to of the DCF board of di- Lokken selected as a PIA portfolio manager Jonathan Lokken of the Rehoboth Beach office has been selected as a portfolio manager in the Personal Investment Advisory (PIA) program, a fee-based investment advisory program offered by Merrill Lynch, Lokken Can now manage accounts enrolled in the PIA program on a discretionary basis considering each client's investment objectives, time horizon, tolerance for risk and reasonable investment restrictions. Lokken lives in Lewes and has been a part of Merrill Lynch's Re- hoboth Beach office for six years and also serves as the office resident director. He is a graduate of Carleton College, and holds the certified invest- ment management analyst (CIMA) designation rectors this year. Kathleen Furey McDonough, a partner with Pot- ter Anderson Corroon LLP, is serving as secretary and chairs the Personnel Committee. Thomas D. Wren, group execu- tive and treasurer of MBNA America Bank N.A., is chairman of the Audit Committee and a member of the Investment Com- mittee. Among those continuing to serve on the board this year are four residents of Kent or Sussex counties: D. Wayne Holden, Dover; David G. Burton, Milford; Linda L. Chick, Harrington; and Howard R. Layton, Millsboro. For further information about creating a fund through the Delaware Community Founda- tion or learning about its grant- making process, call one of the offices in New Castle or Sussex counties or visit the DCF website at www.delcf.org. M-1070 Old State Road Mature Wooded Lot with restrictioos. Preliminary findings suggest standard gravity septic. 1.4 Acres. $gg,ooo - WlO North Shores * Milford Lovely Brick Ranch. Quality throughout; Hardwood Floors, Free Standing Brick Rreplace with insert, Pella Windows, 4 Car Garage. $299,000. M-1070 Sugar Maple Farms Country Comlorts, New Construction, Ready Immediately, 5 Year Warranty, Over Hail Acre Lot, Landscaped, Paved Driveway, Heat Pump, Central Air, Fireplace with Gas Insert, Quality Builder, East of Route 1. 3 Bedroom, 2 Baths, 2 Cer Garage S244,S00 - IH32 M-1053 VA CANT LAND Sherwood Forest Beautiful Salt Box home situated in a great neighborhood. Close to boating & public golf course. Very nice screened back porch off the. master bedroom. $235,000 - M-1169 Shirley Renzi & The Home Team ERA Harrington Realty, Inc 995 N. DuPont Highway Milford, DE 19963 (302) 422-2424 ext. 111 Office (302) 270-3180 Cellular our local work force," said Richelle Vible, president and CEO of Citizens Bank in Delaware. "We are honored by this designation by the local SBA and promise to work even harder next year and into the future to meet the needs, of small business customers in our community." Vible recognized Citizens Bank coUeagues in Delaware for fulfill- ing the bank's commitment to small business and thanked cus- tomers for entrusting Citizens with their plans for growth and expansion. "Our colleagues un- derstand and appreciate our com- pany mission and core values and put that mission and those values to work in making Citizens Bank the lender of choice among small businesses," Vible said. "We are grateful for the relationships we maintain with small business cus- tomers in Delaware and, as com- panies expand their operations and grow their business, we take a great deal of pride in watching many of these relationships grOW." "Citizens Bank's status as the No. 1 SBA lender for three con- secutive years is a testament to the bank's understanding of the unique challenges facing Small business owners," said Jayne Armstrong, director of the SBA's Delaware Office. "It also is an affirmation of the bank's indisputable desire to help small business owners meet those challenges and become success- ful enterprises. I commend Citi- zens Bank for its leadership and for maintaining its high level of investment in Delaware's small business community." For the third consecutive year, Citizens Bank also was named the No. 2 SBA lender in the nation. Mary Ann Malatesta Malewski, Gri m REALTOr $i#ce 1976 "Experience Counts" R,441('Realty 117 Savannah Rd. Lewes Main 645-6100 Direct 645-5844 800 244-2501 LOW R kTES... AREJ US;T THE BEGINNING Serving home buyers and the realtor community with unParalleled customer service. * More Loan Types Available Than I Can List * Personal Service -"I Put My Customers First" * Free Pre-Approvals * Bringing You Closer To The American Dream AMERICAN HOME MORTGAGE Lewes Branch 34382 Carpenters Way Lewes, DE 19958 Barbara Brittingham Loan Consultant 800-643-9268 x6063 302'644-6063 A American Home shares are traded on the NYSE under the symbol AHM. Ranked 2nd on Fortune's 15th annual list of "America's 100 Fastest Growing Companies," American Home Mortgage is the 14th largest retail mortgage lender in the United States. Licensed Mortgage Banker or Authorized Lender in the Fifty States and The District of Columbia.