Real Estate LEADER Magazine (Summer 2004) - Mississippi ...

THE OFFICIAL PUBLICATION OF THE MISSISSIPPI ASSOCIATION OF REALTORS ® 

IN THIS ISSUE 

TECHNOLOGY 

Summer 2004 

COVER STORY 

For the tech of it 

Technology plugs REALTORS ® 

into greater profits, productivity 

Convention Update: See special pull-out section inside

2 / MISSISSIPPI REAL ESTATE LEADER / Summer 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. 

Publisher 

R. Scott Brunner, CAE 

rscottbrun@aol.com 

Editor 

Angela Cain 

acain@msrealtors.org 

Contributing Writer 

Sarah J. Schmidt 

sjschmidt2@earthlink.com 

Graphic Designer 

Steve Nowak 

nowak427@bellsouth.net 

Photographer 

Bill Jackson 

Gil Ford Photography 

Advertising Sales Specialist 

Krissa Dobbins 

kdobbins@msrealtors.org 

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. 

Cover Story: 

14 For the tech of it 

REALTORS ® around the state connect the dots between improved profits, productivity and the use of technology. Learn 

how and why tech-savvy REALTORS ® are forging ahead of their competition. 

10 Finding a computer that’s right for you 

IN THIS ISSUE: Technology 

Learn how to invest wisely in technology by selecting a computer that will grow with you. 

11 Taking a byte out of technology 

You often don’t know what you don’t know about the latest technologies until it’s too late. Get some advice and learn 

from others’ mistakes. 

12 Beyond MLS books: Embracing better ways to list and sell real estate 

Internet-based MLS systems have become the status quo. Are you keeping pace with changes? Discover some of the 

latest tools and technologies for finding the perfect listing for your prospects. 

Pull-out section Important convention update 

Plan NOW to attend the Mississippi Association of REALTORS ® 2004 Convention & EXPO, Sept. 15-18, 2004 in 

Birmingham, Ala. Pull out the updated convention brochure inside and get the latest information on the real estate profession’s 

education and networking event of the year. 

DEPARTMENTS 

4 President’s Perspective 

4 Word on the Street 

5 Capitol Watch 

7 Legal Ease 

8 For The Course of Your Career 

9 Been There, Done That 

13 60-Second Technology Seminar 

16 Commercial Real Estate Report 

VETERANS’ HOME 

PURCHASE BOARD 

“Helping Mississippi Veterans Purchase Homes 

With Mortgage Financing Since 1946” 

Summer 2004 

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 

17 Your Neck of the Woods 

18 Association News 

19 MARPAC Update 

21 REALTOR ® Resources 

21 Information Central 

22 Referral Advertising 

25 The Last Word 

30-Year Rate: 4.50% 

15-Year Rate: 4.00% 

Loan Limit: $175,000 

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 


President’s 

Perspective 

Reader response 

to our first issue 

of Real Estate 

LEADER has been overwhelming. 

We have 

received dozens of letters, 

kind words and 

phone calls from members 

expressing their 

gratitude for offering 

such a powerful new member service. Here’s what a 

few REALTORS ® from around the state had to say: 

"I received the first copy of the LEADER and just 

had to tell you....Great Job! This is a wonderful publication 

to be enjoyed by all," Stephanie McConnell, 

Latter & Blum, Bay St. Louis. 

"Your publication of Real Estate LEADER is fantastic! 

You guys make me proud to be a REALTOR ® ," 

Jason Dudley, Dons Realty, Meridian. 

We appreciate your feedback and welcome your 

input with every issue. If you have praise, comments or 

suggestions for improvement, please send them to 

Angela Cain, Editor, at acain@msrealtors.org. 

Advancing the profession through technology 

This issue focuses on technology and REALTORS ® 

who are using it to improve their productivity AND 

profitability. Learn how your colleagues are using the 

latest technology to their competitive advantage. And 

get tips and advice from our very own tech guru, Dane 

Skirtech, Director of Information Technology at the 

Mississippi Association of REALTORS ® . REALTOR ® 

David Griffith, Cleveland, shares his technology perspective 

in the "Been There, Done That" guest column. 

And Jackson Association Executive Officer Cheryl 

Bullock presents technology alternatives to MLS books 

in her guest article. 

If you find yourself still craving technology information 

and education, I encourage you to attend our 

MAR Real Estate Technology Conference scheduled 

September 15 in Birmingham, Alabama, in conjunction 

with our 2004 Convention & Expo. See the special 

Convention pull-out section in the center of this magazine 

for details. 

Risk Management will be the theme of our next 

issue of Real Estate LEADER due out in mid- 

September. I look forward to seeing all of you at our 

convention. 

Bruce Kammer, CRS, GRI 

President 

Mississippi Association of REALTORS ® 

Word on the Street 

REAL ESTATE NEWS BRIEFS 

NAR tops one million members 

The National Association of Realtors ® has become the first trade association in America to 

exceed one million members. Dues paying membership in NAR, its institutes, societies and 

councils, now totals 1,005,785, according to the association's latest membership data. Of those 

members, 94 percent are registered to vote and 87 percent voted in the last election. Now more 

than ever, with more than 2,312 REALTORS ® in every congressional district in the U.S. and more 

than half of them supporting RPAC, the association is positioned to better represent the interests 

of property owners across the nation. In Mississippi, membership has exceeded 5,100 REAL- 

TORS ® which comprise the largest business trade association in the state. 

Source: National Association of REALTORS ® & Real Estate Intelligence Report (April 2004) 

Sales to near record despite rate rise 

Economic growth is expected to remain above historic averages over the next two years, stimulating 

job growth and sustaining home sales despite higher interest rates, according to the 

National Association of REALTORS ® . 

Source: National Association of REALTORS ® 

Waiting game for rate rise could end in June 

The Federal Reserve will hike interest rates at its meeting at the end of June in response to a 

report that shows significant improvement in the country's job market, some analysts say. 

Source: National Association of REALTORS ® 

For more news and information, visit MAROnline at www.msrealtors.org. 

FREE CONSULTING! 

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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 


CAPITOL WATCH 

UPDATE ON LEGISLATIVE ISSUES IMPORTANT TO YOUR BUSINESS 

2004 legislative session yields major REALTOR ® victories 

MAR agenda will enhance housing opportunity in Mississippi 

The Mississippi Legislature may have grappled with thorny state budget 

issues and tort reform, but when it came to passing the Mississippi 

Association of REALTORS ® ’ 2004 legislative agenda, lawmakers wasted 

no time in saying "aye." Every bill MAR had an 

interest in this year was signed by Governor Haley 

Barbour. 

The REALTOR ® agenda included measures to 

ease financial, regulatory and education barriers 

to homeownership in Mississippi. 

"As part of our focus on a better quality of 

life, MAR is dedicated to strengthening the relationship 

between current and future homeowners, 

the communities in which they live 

and the elected officials and policymakers 

who affect their lives and futures," said MAR 

President Bruce Kammer of Poplarville. "We 

thank our legislators for moving forward 

with responsible state policies that provide 

for broader housing opportunity." 

Thanks to MAR’s efforts, the following 

new laws will take effect July 1: 

Housing opportunity 

MAR was successful in passing new 

legislation that establishes financial literacy education 

as part of secondary schools’ curricula (SB 3016). 

"Financial literacy education will allow young people to learn about the 

consequences of bad credit before they begin to receive all of those credit card 

and car loan advertisements," Kammer said. 

And the interest on real estate brokers’ escrow accounts statute has been 

updated in order to be used more effectively. Brokers voluntarily will be 

allowed to designate their escrow accounts as interest bearing, and the interest 

will fund a new Housing Opportunity Trust Fund administered by MAR and 

the Mississippi Bankers Association designed to provide local grants 

and fund programs that create greater housing opportunity (HB 1597). 

MAR also pushed to allow municipal governments the option of offering 

down payment assistance to their employees. 

Homestead exemption 

Downtown revitalization remains a priority for our state in towns stretching 

from the Delta to the Coast. That’s why REALTORS ® supported legislation that 

aids in revitalization efforts in downtown communities where citizens are moving 

to live and work. MAR helped to pass legislation that will allow homestead 

exemption for owner-occupied residences in multi-use properties (SB 2438). 

REALTORS ® assisting cities 

Prior to the legislative session, Meridian commercial broker Larry Dudley 

alerted MAR’s Legislative and Regulatory Affairs Advocacy Group to the fact that 

there were statutes preventing REALTORS ® from getting paid for assisting cities 

in the disposition of surplus city-owned property. Thanks to successful legislation, 

after July 1 REALTORS ® can be compensated for their efforts in selling 

city or county property (SB 2502). 

Mississippi License Law 

Working with the Mississippi Real Estate Commission and the Senate and 

House committee chairmen, MAR was successful in securing passage of legislation 

that would allow brokers to pay commissions to an individual agent or 

agent’s LLC, LLP or S-Corp. 

Also, MAR successfully increased the errors and omissions insurance premium 

cap to $250. The previous law allowed for a $150 cap. While premiums 

are not expected to increase in the near future, MAR wanted the law to anticipate 

any market-driven changes in insurance premiums so that the insurance 

remains available to real estate licensees and ultimately benefits the consumer. 

Other bills 

1% professional services tax dies 

MAR was successful in killing a bill that would have created an additional tax 

on professional services that REALTORS ® render. (HB 757) 

Municipality "home rule" bill dies 

In partnership with the Mississippi Home Builders Association, MAR helped 

kill a bill that would have given cities virtually unlimited taxing authority and 

could have made impact fees legal in this state (SB 2915). MAR is currently 

challenging the constitutionality of impact fees in Mississippi and is supported 

by Attorney General Jim Hood. 

Thanks to you! 

MAR’s legislative victories are the direct result of members’ grassroots lobbying 

initiatives, calls to action, fair share contributions and conversations with 

legislators by members like you. These accomplishments continue to move 

Mississippi forward and reaffirm that the REALTOR ® voice is being heard by the 

state’s elected officials. Your involvement makes a difference. n 

Got issues? 

MAR’s Legislative & Regulatory Affairs Advocacy Group will meet this summer 

to discuss the association’s 2005 legislative agenda. Your input is 

needed. Contact Quentin Whitwell, MAR Vice President of Public Policy at 

qwhitwell@msrealtors.org if you have ideas or suggestions. 


CE: What you need, 

when you want it, 

wherever you are 

Get ALL of your elective AND Mississippi-specific 

required CE online at www.msrealtors.org. 

Choose from the following courses: 

Required License Law 

Required Contract Law 

Required Agency Law 

Property Red Flags 

Property Management 

Real Estate Taxes 

Intro to Commercial Real Estate 

Environmental Issues in Your Real Estate Practice 

Diversity & Doing Business 

Risk Management 

Buyer Representation in Real Estate 

Ethics & Real Estate 

Fair Housing 

Real Estate Finance Today 

Real Estate Finance & Tax Issues 

Home Inspection & Environmental Basics 

Fair Housing: Law & Practice 

Investment Property Practice & Management 

Buyer Representation in Real Estate 

National Real Estate Principles 

NEW! Commercial Real Estate: Listing Properties 

NEW! Commercial Real Estate: Understanding Investments 

Classroom Courses Also Available 

Upcoming 

Classroom Courses* 

Visit www.msrealtors.org to register or for 

updated information about continuing 

education courses available online and in 

classrooms around the state. 

*As of May 18, 2004 

® 

Course Date Location Cost 

Mississippi Salesperson Pre-Licensing July 12 - 23 Gulfport $610/online registration 

Mississippi Salesperson Pre Licensing July 12 – 23 Jackson $610/online registration 

Mississippi Salesperson Pre Licensing July 26 – Aug. 6 Southaven $610/online registration 

Cram Exam (classroom) Aug. 6 Jackson $60/online registration 

Home Inspector Pre-License (Part 1) Aug. 10 –14 Jackson $700/online registration 

License Law and Contract Law Aug. 19 Meridian $65/online registration 

Agency Law Aug. 19 Meridian $65/online registration 

Quadrennial Code of Ethics Aug. 20 Jackson $65/online registration 

Salesperson Post License (Evening) Aug. 23 – Sept. 2 Jackson $295/online registration 

Home Inspector Pre-License (Part 2) Aug. 24 – 28 Jackson $700/online registration 

Salesperson Post License Aug. 31 – Sept. 3 Gulfport $295/online registration 

Know someone interested in a real estate career? Have a new recruit? Refer them to our Online 60-Hour 

Salesperson Pre-Licensing Course. Cost: Only $225 


LEGAL EASE 

BY QUENTIN WHITWELL 

REALTORS ® oppose 

latest federal preemption of state laws 

OCC rule preempts state predatory lending laws and favors megabanks 

Urging Congress to become more active and diligent in using its oversight 

powers to bridle excessive and overly zealous federal regulations 

remains a priority of the National and Mississippi Associations of REAL- 

TORS ® . 

On February 12, 2004, the federal government’s Office of the Comptroller 

of the Currency (OCC) finalized a rule preempting state consumer protection, 

licensing and lending laws for megabanks and their operating subsidiaries. The 

rule is the latest in a series of federal government decisions that give special 

treatment to big corporations without considering the potentially negative 

impact on consumers. The rule is helping to create an industry that is dominated 

by a few huge banking concerns, leaving consumers with fewer choices 

and higher rates. 

NAR and MAR believe the OCC preemption rule is bad for consumers, bad 

for small business and bad for REALTORS ® . And we’re not alone. The governors 

of all 50 states, their attorneys general (including our own Attorney 

General Jim Hood), state banking supervisors and state legislatures are joined 

by consumer groups such as AARP and the Consumer Federation of America 

in opposition to the OCC rule. Only the OCC itself and the megabanks it regulates 

support the rule. 

MAR has written letters asking the OCC to rescind its rule and is asking its 

members to write or call their congressman to express their opposition. MAR 

President Bruce Kammer has also written to Mississippi’s four Congressmen 

and two U.S. Senators asking them to urge the OCC to rescind the onerous rule. 

"If federal regulators are not stopped or questioned by Congress, they will 

eventually influence the nation’s smaller banks to get federal charters and, in 

the process, eliminate the states’ voice on consumer protection issues," 

Kammer said. 

We believe that only Congress should debate and enact laws that can so 

profoundly change whole sectors of the economy. Unelected regulators should 

not be deciding the fate of whole industries, Kammer added. 

Similar to the proposal to permit banks to engage in real estate and the 

withdrawn reform proposal of the Real Estate Settlement Procedures Act 

(RESPA) to give competitive advantage to mortgage lenders over settlement 

service providers, the OCC rule gives tremendous advantages to the largest 

national banking and financial services companies at the expense of consumers 

and much smaller real estate companies. 

The OCC rule sets the stage for a national real estate licensing process that 

preempts the state licensing laws now in place. And it could lead to a vast array 

of other federal preemptions. n 

Adapted from National Association of REALTORS ® talking points. Edited by 

Quentin Whitwell, Vice President of Public Policy for the Mississippi 

Association of REALTORS ® . E-mail him at qwhitwell@msrealtors.org. 

MAR Legal Hotline 

800-747-1103 Ext. 25 

• FREE and CONFIDENTIAL legal information 

• 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 

Farish, 

Schwartz 

& Orgler, PLLC 

Attorneys at Law 

15487 Oak Lane Drive, Ste 200 I 

Gulfport, MS 39503 

228-832-8550 

2355 Pass Road, Suite B 

Biloxi, MS 39531 

228-388-7441 


FOR THE COURSE OF 

YOUR CAREER 

BY JO USRY 

New and improved: 2004 MAR Standard forms revisions 

Important updates on homeowners’ insurance, wood infestation, pre-closing inspections and more 

The number of REALTORS ® using the Mississippi Association of REAL- 

TORS ® library of standard forms and the ZipForm interactive software 

continues to grow. In local boards around the state where many brokers 

require the use of MAR forms exclusively, REALTORS ® have expressed 

relief about not having to interpret a multitude of different contracts. 

In March, revisions were made to several of MAR’s standard forms based 

on recommendations from members who use them, from our legal counsel 

and the Standard Forms Working Group. 

Two new forms were added to the forms library for 2004: A Lead Based 

Paint Disclosure for Lessors and an Independent Contractor Agreement. In 

order to be in compliance with IRS regulations, it is suggested that brokers 

have an Independent Contractor Agreement on file with each agent that is 

signed and current. 

The following substantive changes were made to existing forms: 

Contract for the Sale and Purchase of Real Estate (F-1) 

Paragraph 1: includes a clause requiring the purchaser to make an 

application for homeowners insurance in addition to making a loan application. 

Paragraph 8: Proration - Includes a statement indicating that homestead 

exemption has or has not been applied for as stated on the Property 

Condition Disclosure Statement. 

Paragraph 9: Commission - Since commission is not an item on the 

Purchase Agreement to be negotiated by the parties, the blanks for insertion 

of commission have been deleted and replaced by a clause referring back to 

the agreements that established the commission – the listing agreement and 

the compensation offered through MLS: Seller / Buyer of property sold 

under this contract agrees to pay as per the listing agreement and prior 

offer of cooperation and compensation. 

Paragraph 14: Pre-Closing Inspection - Since the words "home inspection" 

are indicative of an inspection performed by a home inspector, a clause 

has been added to clarify that a "home inspection" performed in Mississippi 

must be performed by a licensed home inspector: Any home inspection 

where the approval is made a contingency for purchase must be performed 

by a Mississippi licensed home inspector. 

Paragraph 15: Wood Infestation Report – Clarification has been added 

to include a remedy if wood infestation is found and the requirement that a 

material change, if found, must be disclosed. 

A. If such infestation constitutes material damage, the purchaser can 

declare the contract null and void and have his earnest money refunded. 

Additionally, when any infestation is found on the subject property, the seller 

can either furnish a warranty of approved treatment and correct any structural 

damage caused by such infestation or deem said repairs as cost prohibitive 

and declare the contract null and void refunding the purchaser’s 

earnest money. 

B. Any material change to the subject property shall be disclosed in 

accordance with the Mississippi Real Estate Brokers License Act of l954 as 

Amended 90-501-523 allowing for termination of the offer as prescribed by 

law. 

Counter Offer: A new section has been added within the Purchase 

Agreement for two counters. The Forms Library still includes a separate 

Counter Offer (F-14) for further counters, if needed. 

Buyer Representation Agreement (F-8) 

Several changes have been made to the Buyer Representation Agreement 

to clarify the roles and responsibilities of the buyer and the Buyer Agent. The 

most substantive change, however, is in the addition of language to assist the 

broker in attempting to keep a client that might be in conflict with the Buyer 

Agent and who plans to exercise the 15-day termination clause required to 

be in the agreement. Under the section titled Client Agrees, the following language 

has been added: Broker reserves the right to reassign you to another 

agent within the firm for representation should you and the Broker 

mutually agree that reassignment is best. 

Property Issues Addendum (Form 27) 

The Property Issues Addendum is one of the most utilized forms in the 

MAR forms library. A paragraph has been added to address the current 

issues surrounding the availability and affordability of property insurance as 

follows: 

The availability and cost of homeowners or property insurance depends 

on a number of factors, including your personal insurance, financial and 

credit history, materials and conditions present in or on the property, and the 

claims history on the property. Some insurance companies base part of their 

underwriting decision on Loss History Reports that show the history of insurance 

claims or property losses concerning the property or made by you concerning 

other properties. At the time you close on the purchase of your real 

property, most insurance companies will only issue a binder to you. A binder 

is NOT an insurance policy; it is only a temporary commitment to provide 

insurance coverage. From the effective date of the binder, the insurance company 

has 90 days to review the insurance application and other information 

and determine whether it will issue an insurance policy on the terms set forth 

in the binder. You are advised to consult directly with insurance companies 

of your choice regarding the availability and costs of insurance coverage for 

the property. Further, if the property is located in a flood zone, the mortgage 

lender may require that you obtain and pay for flood insurance on the property 

and its improvements. n 

Jo Usry is MAR’s Vice President of Professional Development and the staff 

liaison to the Standard Forms Working Group. E-mail her at 

jusry@msrealtors.org. 


Been there, 

done that 

A REALTOR ® Guest ColuMnist ShareS HIS StorY 

Saying goodbye to the typewriter: 

One REALTOR triumphs over technology 

Technology is becoming an important factor in our lives and a critical success 

factor in the business of real estate. E-mail and the web have become 

second nature. Nobody wonders what the Internet is anymore, and the 

prediction of a computer in every home is coming true. As a broker/owner and 

appraiser, I thank technology one minute and curse it the next. I’m sure you 

can relate. I act as "technology guru" for my office and am the one my agents 

call when their computers freeze or start zigging instead of zagging. 

One thing I have learned about technology is that you must keep up. Until 

recently, I refused to connect my office to a network. I worried that one mistake 

on the network could result in all of my priceless data being lost. Finally, I 

realized that I’ve been holding myself back. The time and money saved by networking 

just makes good business sense. I plan to have my office connected by 

this summer. 

If you haven’t learned to use a computer – or learned to use a computer well 

– I encourage you to take the plunge. My office is located within a block of 

Delta State University and many of my agents have taken computer classes. 

Becoming proficient in the use of e-mail, for example, has helped agents stay 

connected with clients and provides them with fast and efficient customer service. 

We have also switched exclusively to using digital cameras. Not having to 

wait for film to develop means that agents can e-mail pictures within minutes. 

The quicker we can accommodate our clients, the better our business will be. 

Technology has made my work as an appraiser much easier, too. Ten years 

ago I was typing my appraisals on a typewriter, pasting my maps and photographs, 

and drawing my floor plans with a ruler and pencil. Then, I would mail 

the appraisals via "snail mail." Now, I complete the report on my computer, 

including downloaded maps, digital pictures and a computer sketch. The entire 

appraisal is e-mailed within minutes. 

By the way, my typewriter now collects dust on a shelf in my supply closet. 

Isn’t it about time you retired yours, too? n 

David Griffith is a broker and Certified General Appraiser 

with Griffith Real Estate in Cleveland. He currently serves 

as chair of MAR’s Information & Technology Advocacy 

Group. 


Finding a computer that’s right for you 

By Dane Skirtech 

You know the drill. You step out of the car 

with your eye on that shiny, new vehicle. You 

look to the left and to the right, hoping not 

to be spotted by a golf-cart driving vulture/salesman 

scouring the car lot for unsuspecting prey. 

But it’s too late. "Vinny" moves in from out of 

nowhere and the over-rehearsed sales pitch begins. 

Car dealers like Vinny aren’t the only ones creating 

high-pressure sales environments for their 

customers. Computer sales have become cutthroat 

in recent years with increased demand, stiff competition 

and rapidly changing technologies that 

can confuse even the most educated of consumers. 

Don’t be duped into buying more computer than 

you really need. 

Here are some tips to help you get started: 

1. First of all, start with the right frame of 

mind. Next to communications, a computer is one 

of REALTORS’ ® primary technological investments 

and should be treated as such. Successful real 

estate professionals know they must invest in education, 

marketing and technology on a regular 

basis. Assess where you are on the technology curve 

and figure out where you want to be and when. 

2. Second, remember that if it sounds too good 

to be true, it probably is. A cheap computer is 

rarely ever good, and a good computer is rarely 

ever cheap. Forget all of the gadgets. Forget all of 

the claims of speed. Forget all of the gigaflops, 

megabizzels and terrahassle and base your purchase 

on what really makes a computer perform. 

3. Never buy a computer with the industry’s 

fastest processor. Take the fastest processor and 

drop down two steps. That is where you’re most 

likely find the best value. 

4. Don’t be fooled into thinking you’re getting 

a great deal because you’ve been offered a free 

upgrade to a 120 gigabyte hard drive. Ask about 

the speed of that hard drive. Even with numerous 

applications, pictures and files stored on your system, 

you will never fill a 120 gigabyte hard drive. 

Insist on optimal hard drive speed. The faster your 

processor can access information on your hard 

drive the quicker the system will be. Insist on a 

7,200-10,000 RPM drive as opposed to the outdated 

5,400 RPM drive. The difference is incredible. 

5. And don’t forget about your RAM. Right now 

RAM is cheaper than it has ever been. Spend your 

money here. As applications advance and newer 

technology hits the streets, RAM is becoming the 

foundation for a good running machine. Insist on 

at least 512 Megabytes. And if you can swing it, 

bump it up to 1024 Megabytes. You won’t be sorry. 

6. Spend a few extra dollars and have a good 

video card (display adapter) installed. Often overlooked, 

the video card can have a major impact on 

speed and performance. Nothing is more frustrating 

than a computer that is slow in rendering and 

displaying information on the screen. "ATI 

Radeon" or "nVIDIA GeForce" are examples of 

excellent display adapters. 

7. And finally, recognize that a desktop computer 

is not always the best investment for a REAL- 

TOR ® . Today’s notebook computers can power an 

entire business and give you the flexibility you need 

to stay mobile and connected. 

In summary, be smart. Do your homework. 

Compare computer specs between brands. Ask for 

advice. A computer is an investment that will either 

make the next three to five years bearable or a 

complete headache. The bottom line: Invest wisely, 

and your research will pay off. n 


Technology can byte back 

Lessons learned the hard way 

By Dane Skirtech 

Acolleague once told me: "Good judgment comes from experience. 

Unfortunately, experience usually comes from bad judgment". This is so 

true when it comes to technology. Learning what not to do before you do 

it could save you time and money. So let me share a few things about various 

technologies that I’ve learned through "experience": 

Digital Cameras 

• Any camera over three mega pixels is overkill. Three mega pixels will produce 

an 11X17 high-resolution image that is much larger than any of us will every 

need. Anything bigger is a waste of money. 

Personal Digital Assistants (PDAs) 

• Keep a set of spare batteries 

for your PDA with you at 

all times. 

•Be sure you sync your PDA 

with your desktop at LEAST 

once a day. 

Computers 

• Heat kills computers. 

Keep your system as cool as 

possible. 

• You can never click the "save" button too much. 

E-mail 

• Be courteous. Don’t send huge files via e-mail (and don’t use an overly fancy 

HTML signature in your e-mail window that slows down the speed with which 

your recipients can open your message). Zip files first. Visit www.winzip.com, 

download the latest version and install it. To zip a file for e-mail, simply "rightclick" 

the file and select "zip and e-mail". This will compress your desired file 

and automatically launch a new Outlook e-mail message with the file already 

attached. 

Printers 

• If you buy a $79 printer, you will get a $79 printer. The funny thing is that the 

ink refills for a $79 printer can cost up to $65. Stick with the leader. Buy a good 

HP printer that will last. 

Internet Service Providers 

• Cheap "mom & pop" internet service providers are rarely "real web based 

solutions." Chose a reputable ISP based on service, support and company background. 

Security 

Your data is your livelihood. And the risk of your database and computerized 

files being compromised is great and very real. Don’t think it can never happen 

to you. Take necessary steps to avoid becoming the next target of system breaches, 

identity theft or back door virus attacks, including: 

• Using current anti-virus software and install inexpensive hardware firewalls 

(See virus protection article on this page for details). 

• Using discretion when it comes to sharing personal or business information. 

• Never sending banking account information via Instant Messenger or e-mail. 

• Always contacting the sender before opening suspicious e-mail attachments. 

n 

Bug be gone: Making 

virus protection a priority 

By Mike Delamater 

The biggest threat to your computer comes from malicious programmers 

in the form of viruses. Viruses can destroy data on your computer, 

cause lockups and spread themselves out to everyone in your 

e-mail address book. Recent attacks such as Blaster and MyDoom replicated 

themselves in just such a way. 

How do you protect yourself? Get the best antivirus protection available, 

and keep those definitions updated. 

I highly recommend Symantec Norton AntiVirus software (www.symantec.com/nav/nav_9xnt/) 

since it has an auto update feature that will check 

for new virus definitions regularly when you are online and install them 

when there are new ones available. This is all done transparently and without 

any effort on the part of the user. 

The Symantec Antivirus Research Center (SARC) (www.sarc.com) is 

the leader in the virus protection field. When a virus is reported, SARC generally 

has a response within 24 hours. 

Broadband (DSL or cable) users who have more than one computer connected 

to the internet generally have a built-in layer of protection. A router, the 

equipment used to connect your network to the internet, offers protection by 

keeping your machine invisible to users outside of your network. 

Those who have only one computer connected to DSL or cable also 

need an added layer of protection. There are software solutions such as 

Norton Internet Security (www.symantec.com/sabu/nis/nis_pe/index.html) 

or Norton Personal Firewall (www.symantec.com/sabu/nis/npf/). However, 

hardware solutions are best. Consider installing a router 

between the modem and your PC. For more information 

on broadband routers, please visit www.linksys.com. n 

Mike Delamater is MAR’s Systems Administrator. 

E-mail him at mdelamater@msrealtors.org. 

New tech consulting services available through MAR 

Take advantage of the Mississippi Association of REALTORS ® ’ new 

technology consulting services and learn how you can optimize your use of 

technology. Our tech team understands the unique needs of REALTORS ® and 

how they can and should be using computers, networks, websites and contact 

management systems to better their businesses. This affordable new member 

benefit is available exclusively to MAR members at a nominal fee. Isn’t it about 

time you invested in your success AND in your technology? To schedule a consultative 

visit at your office, contact Dane Skirtech, MAR Director of 

Information Technology, at dane@msrealtors.org or 800-747-1103. 


Beyond MLS books: 

Embracing better ways to list and sell real estate 

By Cheryl Bullock 

The MLS Book is an endangered species for several reasons, not the least 

of which is the rapid onslaught of technology. Gone are the days when 

the only way to get a complete list of properties was to wait for the delivery 

of your MLS book (as much as two weeks old by the time it was delivered 

by the printer). 

With internet-based MLS systems becoming the norm, we need to prepare 

for (and embrace) those technologies that give us the edge in today’s environment. 

Here is a very brief look at only four alternatives. If nothing else, these 

should start you thinking of what will work best for the way you personally list 

and sell real estate. 

Custom searches 

For those who don’t care to go any deeper into technology than they have 

to, simple custom searches tailored to your market area are a viable alternative. 

It is easy to send this to your printer (complete with photos) so you have 

your own ‘mini-MLS book.’ How often you run those printouts would depend 

on your individual needs. 

Laptop computers 

A good laptop (combined with the right MLS-specific software) allows customized 

listing presentations and showing information without being connected 

to the internet. Remember to select a lightweight laptop that won’t be a 

chore to carry with you, and keep your comparable and current listing data as 

current as you need it. 

Personal digital assistants 

PDA’s (Personal Digital Assistants) have matured from the hard to read, difficult 

to use devices that debuted a few years ago. Monochrome, poor resolution 

screens have been replaced by full color, high resolution devices that are 

easy to read and use. They are a lightweight, less cumbersome alternative to 

MLS books and laptop computers. And the technology just keeps getting better. 

Hand-held, multi-function devices with the familiar Windows desktop are 

now available. Plus, there are several sites that offer sophisticated software for 

the Palm OS (operating system) as well as Windows devices. Several manufacturers 

have combined handheld technology with cell phone functionality, but 

these have enjoyed limited acceptance as they tend to be larger and heavier 

than consumers want. 

New generation devices 

Wireless hand-held devices that have builtin 

internet access are perhaps the most exciting 

alternatives to MLS books. The most versatile 

of these (embracing GSM technology) will 

change the way we communicate and access 

the internet on mobile devices, whether that 

be a cell phone, PDA, or combination device. 

These devices allow you to search the internet 

real-time, download MLS data, write letters, 

manage contact lists, send and receive e-mail 

and most other functions available on your 

desktop computer. You can access MLS anywhere 

there is a wireless connection to the 

internet with the same look, feel and functionality 

of your PC. 

The MLS Book was a valuable and indispensable 

tool in its day, but that day is fading 

fast. Technology is changing every facet of our 

lives whether we approve or not. Regardless 

of where you are on the technology scale, all 

of these new tools are available. Choose what 

works best for you. n 

Cheryl Bullock is Executive 

Officer for the Jackson 

Association of REALTORS ® . 

She is a frequent presenter 

on real estate technology 

issues. E-mail her at 

cheryl@jacksonrealtor.com. 

Popular handheld devices 

& organizers 

• Handspring Treo 

• Sony Clie 

• Tungsten 

• Zire 

Popular Pocket PCs & 

Windows Mobile 2003 

• ASUS MyPal 

• Audiovox Thera 

• Dell Axim 

• HP iPaq (formerly Compaq) 

• Toshiba Pocket PC 

• Viewsonic Pocket PC 

For more information, 

visit these PDA software 

websites: 

Palm OS 

www.palmblvd.com 

Pocket PC 

www.pocketpccity.com 

www.pocketpc.com 

Universal 

www.handango.com 

www.pilotzone.com 

www.pdatopsoft.com 

REALTORS ® key into the latest 

home-showing technology 

By Sarah J. Schmidt 

Electronic key boxes simplify the home-showing process, enabling REALTORS ® to 

access properties without the burden of running around town to pick up keys. At 

least two REALTOR ® associations in Mississippi now use the latest Supra Keybox, 

part of the Supra Information Network (http://www.supraekey.com). 

Tony Jones, of Century 21 in Olive Branch, uses his Zire-71 Palm Pilot to activate the 

electronic key boxes in his area. The Palm emits an infrared signal which triggers the key 

box to open. 

Jones 

"I’m a real dinosaur, so if I can learn how to use this technology, anybody can," says Jones, who serves 

as president of the Northwest Mississippi Association of REALTORS ® . Just to make sure, the association 

hosted orientation sessions earlier this year when the new electronic key boxes were first installed. "We’d 

expected some problems," Jones says, "but it was really a very smooth transition, and now we’re beginning 

to see big savings in efficiency and time." It’s just one more way Mississippi REALTORS ® are relying on technology 

to improve business. n 


60-SECOND 

TECHNOLOGY 

SEMINAR 

BY DANE SKIRTECH 

Novice: Avoiding SPAM 

Tired of your computer serving up SPAM to your inbox every morning? Ever 

wonder how so many people get your e-mail address? You are asked to enter 

your e-mail address as confirmation for most online purchases or transactions. 

And unfortunately, even though you check that box that says "No, I do not want 

to receive additional information about similar products and services." you 

probably still get hammered with e-mail almost instantly after checkout. 

Try this: Go to www.hotmail.com (or any other free e-mail provider) and 

sign up for a free e-mail account. Whenever you are making a purchase online 

and are required to enter an e-mail address for order confirmation, simply use 

the free Hotmail "junk" e-mail account. Save your business e-mail address for 

conducting business that doesn’t involve online purchases. 

Remember this: When you get junk e-mail and at the bottom it says, "If you 

wish to be removed from this list simply reply with the word ‘REMOVE’ in the 

subject field", don’t do it. Why? Because you will be added to a much more 

desired Spam list for marketers because they know the address is a real working 

e-mail address. 

Intermediate: Going Wi-Fi 

Considering a wireless network for your office? Wireless Networking or 

"Wi-Fi" is gaining popularity among brokers who are discovering how greater 

mobility and versatility can improve their agents’ productivity. 

Wireless adapters can be added to almost ANY device a REALTOR ® might 

use these days, including laptops, desktops, handhelds and printers. 

Remember that no matter what the application, you’ll want to make sure you 

use the same generation equipment (802.11A, B or G).Try to stay with the 

802.11G protocol, the newest version that is usually backward compatible with 

its predecessor 802.11B. This will allow the two variants to talk to each other. 

You can also mix wireless hardware brands making the technology even more 

flexible. And your wireless-enabled laptop can give you internet access from 

any wireless enabled "Hot-Spot" around town, including many coffee shops 

and places of business. To learn more, visit www.linksys.com, one of the 

nation’s leading, consumer-level wireless equipment vendors. 

Advanced: Power Toys for customizing Windows XP 

Tired of the standard features in Windows XP Professional? Tired of all the 

pop-up "Help" balloons? Do you wish you had more customization over your 

operating system and that Windows would quit trying to think for you all the 

time? Then you might be ready for your first "system-hack". Windows XP offers 

"Power Toys" that are packed with utilities geared for the high-end power user. 

Utilities include an ISO Writing Wizard that allows you to create, record and 

write entire CDROM disk images to the native ISO format (create a listing presentation 

on CD and store the image for fast duplication on the fly) and TweakUI 

which allows the user to extensively modify the look and feel (GUI) of Windows 

XP creating endless configuration possibilities. And Virtual Desktop Manager 

allows management of up to four remote network connections which can be 

configured independently to run selected applications. This is perfect for fastpaced 

brokers who support their agents’ computers in their offices. Power 

Toys take the operating system to a whole new level. You can get XP Power Toys 

by visiting www.microsoft.com. n 

Dane Skirtech is a nationally recognized real estate technology speaker 

and MAR’s Director of Information Technology. E-mail him at 

dane@msrealtors.org. 


For the 

tech of it 

Tech-savvy REALTORS ® 

plug into greater profits, 

productivity 

By Sarah J. Schmidt 

Was there life before cell phones? If there was, most REALTORS ® can't 

imagine it. Cell phones are a REALTOR ® 's lifeline – the very heartbeat 

of home sales everywhere. And now there’s a growing cadre of techsavvy 

REALTORS ® whose businesses are equally dependent upon pocket PCs, 

e-mail, digital cameras and the like. 

From virtual home tours to video conference closings, technology is dramatically 

reshaping the real estate business. Those who embrace the changes 

are forging ahead of their competition, reaping the benefits of faster, more productive 

sales strategies by catering to a demanding public that wants service 

immediately, if not sooner. Here’s how enterprising REALTORS ® around 

Mississippi are harnessing today’s technology: 

Weaving webs of wonder 

After working several years for another real estate company, Madison 

REALTOR ® Cindy Litsinger decided to start her own firm last year, but knew 

she’d need professional help to create a catchy website. A web designer developed 

a virtual home tour for Litsinger Realty (see it at 

www.homeshow360.com). 

"There are tons of people out there who’ll build your website, but some 

aren’t as good as others," Litsinger cautions. 

She’s been pleased with the 

results from her site, receiving 

positive responses from 

both buyers and 

sellers. "The virtual 

tours are really 

great for outof-town 

buyers," 

she says. 

"It’s generated a 

lot of new business 

with people who are 

moving into this area 

– way more than any 

other advertising 

would do." 

Litsinger’s experience 

is not unusual. The 

National Association of 

REALTORS ® estimates that 

at least 80 percent of buyers 

now start their home 

searches online, and at least 

30 percent of them ultimately purchase 

a home identified during an online 

search. "The consumer has chosen this medium," 

explains Randy Landis, Broker/Owner of Help-U- 

Sell Beacon Realty in Tupelo, "so it’s up to the REAL- 

TOR ® to respond." 

His fee-for-service company relies on a website he describes as a "total 

office tool" (see it at www2.helpusell.com/beaconrealty). It provides Landis 

with a follow-up system that handles all leads, interoffice reporting and communications. 

"Anything you can do with technology to create efficiency in the 

office will free you up to concentrate on the business at hand," Landis believes. 

It’s working for him; he just opened another office of Help-U-Sell in Olive 

Branch this spring. 


Home is where your @ Is 

Today’s REALTOR ® uses e-mail like yesterday’s REALTOR ® used the telephone. 

It is the tool of choice in developing new prospects and communicating 

with clients, according to NAR studies that show 96 percent of REALTORS ® 

use e-mail. 

Kim Noffsinger, of Coldwell Banker S.R.E. in Starkville 

(www.noffsinger.net), goes a step further with "tailored" e-mails that highlight 

specific details for prospective clients. 

Working with a software programmer she met through a local civic group, 

Noffsinger helped design a program that organizes data from new property listings 

in accordance with her own database of clients and prospective customers 

who’ve expressed interest in certain property features. The program then generates 

bulk e-mails alerting those in her database who would be interested. But 

it’s not just a general message with a string of addresses in the "Sent To" field. 

The program generates what looks like individualized emails with personal 

greetings and only one recipient’s e-mail address. 

"Within half an hour, I’ve e-mailed hundreds of people with information tailored 

just for them," Noffsinger explains. Her cost for the software: only $500. 

The downside, of course, is that it’s strictly for clients who are e-mail savvy. 

Noffsinger also says it’s crucial to have a system in place to respond immediately 

when customers reply to her e-mails. "Otherwise, good prospects may fall 

through the cracks," she warns. "But there’s no question this approach works; 

we see a huge percentage of our sales linked directly to our web site and our 

e-mails." 

REALTOR ® Lady Cox, of Coldwell Banker S.R.E. in Starkville 

(www.starkvillerealestate.com/realtors/cox.html), also uses e-mail to provide 

a unique service. With a degree in 

communications and experience in 

marketing, Cox produces an electronic 

newsletter that highlights several 

established neighborhoods in 

Starkville. "A lot of companies offer 

real estate newsletters you can just 

print your name on, but I write this 

one myself so I can make it specific to 

individual neighborhoods," Cox says. 

Electronic newsletters are driving more sales She estimates it would cost between 

home for Starkville REALTOR ® Lady Cox. $12-$15 per household if she printed 

and mailed the newsletter in paper form, but the e-mail newsletter gives her far 

greater reach at much less cost. She says clients also appreciate her environmentally 

friendly approach because it saves paper and is less like junk mail. 

Less paper, better form 

Broker/Owner Mark Warren, of ERA Real Estate Professionals in Jackson, 

came to the profession after a successful career in manufacturing and remembers 

thinking: "There’s an awful lot of faxing going on here." Like others in his 

company, he wondered if there weren’t easier ways to conduct transactions. He 

found several online document services and began working to incorporate 

those services into his own website (www.markwarren.net). The result is an 

online transaction capability that streamlines the whole real estate process. 

He’s been testing the system in-house for a couple of months and plans to 

launch it later this year. Forms, documents and other materials required for 

real estate transactions can be accessed and transmitted via e-mail. He purchased 

the service from a software company but had to modify his website to 

make it compatible. "The bigger hurdle was implementing a procedure in our 

office to keep the forms updated and maintain certain communications, but it 

was certainly worth the time and effort," Warren says. 

As a new REALTOR ® , Kevin Lawrence of Kosciusko Realty (www.kosciuskorealty.com) 

agrees with Warren in thinking there’s a better way. He’s discovered 

ZipForms, the Mississippi Association of REALTORS ® ’ standard forms software, 

and prefers the convenience over 

paper versions. Using his Dell Axim 

pocket PC and a portable printer, he’s 

able to access ZipForms anytime, anywhere. 

"If my client needs a particular 

form, I don’t have to run back to the 

office. I just print it out right there," he 

says. Clients are impressed with this 

speed and efficiency, Lawrence notes. 

"I probably used ZipForms at least 

eight times already today." 

It was both a need and an objective 

that drove Al Allegue, 

Broker/Owner with RE/MAX by the Gulf (www.alndee.com), to find a better 

way. He now conducts real estate closings by video teleconference, enabling 

out-of-town parties to participate in real time without the hassle of designating 

a representative to attend in person. Documents are prepared in advance and 

e-mailed to the respective parties who review them prior to the closing. This 

saves time and cuts down on transaction costs, Allegue says. He estimates ordinary 

closings cost between $500 and$600 but does video closings for only 

$250. 

Once a year, his team of REALTORS ® evaluates the kinds of technology used 

by other professions. "We ask what’s out there that we can use to make our 

business more service-oriented and more profitable. That’s how we came up 

with this idea," he says. Allegue says video closings provide the ultimate in flexibility. 

"We once did a video closing at 1:00 a.m. because all the parties were 

in distant time zones," he recalls. Since he sees many clients from Kessler Air 

Force Base, this service is especially valuable when the military member is 

deployed or overseas. 

It is these novel uses of 

technology that are 

helping Mississippi 

REALTORS ® improve 

productivity, serve 

customers and 

ultimately achieve 

freedom. Allegue 

sums it up nicely: 

"If not for technology, 

I’m certain I’d 

be working twice 

as hard for the 

same income." n 

REALTORS ® Kim 

Noffsinger, Starkville; 

Cindy Litsinger, 

Madison; and Mark 

Warren, Jackson, make 

use of the latest technologies 

to improve 

their businesses. 

Video teleconference closings have saved time 

and money for Gulf Coast REALTOR ® 

Al Allegue and his clients. 


COMMERCIAL 

REAL ESTATE 

REPORT 

BY BETH HANSEN 

Digital deal-making demand 

high in commercial 

real estate 

From education to MLS systems, contact management to virtual tours, 

technology has infiltrated every aspect of the practice of real estate. 

Nowhere is that more evident than in the world of commercial real estate, 

where investors are known to peruse online offerings, make offers and close 

deals, sometimes without ever visiting the property. The commercial real estate 

industry has responded by developing new tools in the effort to keep pace with 

the explosion of internet-based deal-making. 

Commercial Information Exchanges (CIEs) are internet-based property 

listing services, where information about available properties for sale or lease 

is displayed. In Mississippi, the Mississippi Commercial Association of REAL- 

TORS ® operates a CIE affiliated with the nationwide listing service, CCIMNet 

(see www.mcar.ms). Information about Mississippi properties is entered by 

members one time into the local property database and is accessible through 

a national database to any CCIMNet visitor anywhere in the world. 

Another technology tool seeing widespread use by commercial practitioners 

is "Site To Do Business," provided to members of the CCIM Institute. The 

site marries demographic information, GIS, transaction management, marketing 

software and mobile office devices into an extremely powerful, versatile 

tool. For more information, see www.ccim.net. 

Brokers who concentrate on the sale of recreational property, farmland 

and timberland rely heavily on mapping programs which combine GPS with 

satellite images and enable the user to draw property boundaries and highlight 

important features of the property, such as lakes, stands of timber, roads and 

fences. 

New technology tools appear at such a dizzying pace, that there’s even a 

popular annual conference dedicated to discussing, analyzing and debating the 

latest innovations in commercial real estate. RealComm is held in early summer 

each year, and offers a large expo of available products, instructional lectures 

on technology and tours of nearby technology-friendly commercial properties, 

called "intelligent buildings." For more information, visit the website at 

www.realcomm.com. Or plan to attend the Mississippi Association of REALTORS ® 

2004 Convention & Expo, Sept. 15-18, in Birmingham, Ala., where RealComm 

Founder Jim Young will deliver the keynote address on "Real Estate @ the 

Speed of Change." 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. 

From the Mississippi Real Estate 

Commission… 

New form on its way 

The Mississippi Real Estate Commission is in the process of revising one of 

its mandatory forms to be posted on its website prior to implementation July 1, 

2004. The Cooperative Agreement for Non-Mississippi Licensed Brokers will 

be revised to further clarify that no money leaves the state in commission or 

referral fees unless the form is on file with MREC. The form also clarifies that 

only the principal broker is involved in the cooperating agreement. 

BPOs for a fee = Disciplinary action 

If a licensee receives any consideration (money, credit cards with a specific 

"balance" from retailers or any other valuable consideration) for providing 

a broker price opinion (BPO) or comparative market analysis (CMA), the 

minimum disciplinary action will be a three-month (90-day) suspension of the 

license and an equal penalty for the licensee’s broker depending upon the broker’s 

knowledge and participation. Rule IV A (7). 

License reciprocity with other states 

MREC is in the process of sending letters 

to other state’s Real Estate Commissions 

requesting that they allow license-for-license 

reciprocity for Mississippi licensees in 

exchange for equal licensing privileges for 

the out-of-state licensees. 

Effective July 1, 2004, all Mississippi residents 

who apply for a real estate license Aug. 31 – Sept. 3 

Aug. 23 – Sept. 2 

under the terms of a reciprocal agreement Sept. 27 – 30 

with another state will be required to complete 

a 30-hour post-licensing course Nov. 15 – 18 

Oct. 18 – 21 

approved by the MREC. 

Visit www.msrealtors.org for important 

updates on actions taken by the Mississippi 

Real Estate Commission that could impact 

your business. Or visit the MREC website at www.mrec.state.ms.us. 

Post-licensing courses are 

available through the Mississippi 

REALTOR ® Institute. Register 

online at www.msrealtors.org. 

Salesperson Post-License 

Jackson 

Gulfport 

Tupelo 

Jackson 

Gulfport 

Broker Post-License 

Nov. 29 – Dec. 2 Jackson 

From the Home Inspection Board… 

Reminder: Home inspection 

contingencies in any contract Home Inspector licensing classes are 

should require a Mississippi available through the Mississippi REAL- 

Licensed Home Inspector and TOR ® Institute. The next course is scheduled 

August 10-28 in Jackson. Register 

someone should be designated to 

verify the actual license prior to the online at www.msrealtors.org. 

transaction being closed. 

From the Appraisal Board… 

Effective in 2008 there will be significant changes to the education and 

experience requirements for those wishing to become appraisers and for those 

wanting to upgrade their appraisal license to Certified Residential or Certified 

General status. Information on the new requirements can be found by visiting 

www.appraisalfoundation.org and clicking on "Sixth Exposure Draft on revising 

the Real Property Appraiser Qualification Criteria." 

The Mississippi REALTOR ® Institute will offer its next appraisal prelicensing 

series beginning September 30 in Jackson. Take the coursework 

NOW before the new educational structure goes into effect. To register, visit 

www.msrealtors.org 


YOUR NECK OF THE WOODS 

Local Board & AE Forum 

In Mississippi, there are 22 local boards servicing REALTORS ® in every corner of the state. Here’s what’s going on in their communities: 

Biloxi-Ocean Springs 

The Biloxi-Ocean Springs Association of REALTORS ® 

hosted a Golf Tournament in May benefiting the 

Make-A-Wish Foundation. Special thanks to everyone 

who made the event a success. Sandra Edwards, 

Heather Jordan, and Billie Myrick are looking forward 

to completing their Leadership training in August. 

Clarksdale 

No information available. 

Cleveland 

The Cleveland Board of Realtors ® recently sponsored 

a cash award for the outstanding real estate 

student at Delta State University. The award was presented 

at DSU's College of Business awards banquet 

in April by Cleveland Board President Libbi Logan. 

The board also hosted eight hours of continuing 

education in April, including the Quadrennial Code 

of Ethics class. The board would like to thank members 

from surrounding boards for participating and 

Jo Usry, Vice President of Professional Development, 

for the Mississippi REALTOR ® Institute and 

Instructor Nancy Windham for organizing the course. 

East Gulf Coast 

The East Gulf Coast Board of REALTORS ® voted in 

early May to merge with the Gulf Coast Association 

of REALTORS ® . By the time you read this notice, 

we’ll be moving toward having only two boards on 

the Gulf Coast and only one MLS. This will make real 

estate more efficient on the Coast. 

Four County 

Here in the Four County Board of Realtors ® area 

things seem to be happening all around us. New 

people moving into the area and new buildings 

going up make the future brighter for all of our 

REALTORS ® . The historic homes in our communities 

seem to be a particular draw to the area. To 

learn more about us, visit www.ourhomesite/fourcountyboard.com. 

Golden Triangle 

Members (and one hubby) participated recently in 

"REALTORS ® Day" at a Habitat for Humanity home 

in Starkville. Workers helped sand, texture and 

scrape in preparation for painting. Our annual 

Summer Social was held on June 3. The event 

included a silent auction, which was a huge hit, with 

proceeds benefiting MARPAC. Visit our association 

website at www.gtrealtors.org. 

Greenville 

Greenville REALTORS ® worked with Habitat for 

Humanity each Saturday morning during the month 

of May to promote community spirit as a group. We 

already reached our MARPAC goal by giving 126.2 

percent which ranks us as one of the top five 

boards in Mississippi. A special thanks to Searcy 

Cunningham and Pattye Wilson for the REALTOR ® 

Adopt-A-Spot located at Hwy 1 and Reed Road. 

Greenwood 


Grenada 


Gulf Coast 

Upcoming Events: Mid-year Education Expo, June 

24. Courses include: "Introduction to Wetlands 

Issues" and "Contracts 101". Then, plan to join 

Dane Skirtech for "Technology Tours" on July 29. 

It's also time to register for "The Second Annual 

Charities Golf Tournament" to be held on October 1. 

For more information on any of these events, call 

the Gulf Coast Association of REALTORS ® at 228- 

896-3122 or visit www.gcarealtors.com. 

Hattiesburg 

Hattiesburg is proud of our 15 Sterling R MARPAC 

contributors. This was the largest number of 

Sterling R contributions ever received in a single 

day. Thanks to Hattiesburg MARPAC Chairman 

DeLois Smith and MARPAC Trustee Gwen James. 

Upcoming Events: Hattiesburg REALTORS ® and 

Home Builders will have their annual "Cook Out" 

honoring elected officials on July 6th. The 

Community Service Committee is working on its 

next project, "Parking With Your Neighbors," a 

fundraiser for the Hattiesburg Zoological Society. 

The event will be held at Kamper Park and will 

include food, fun and games for children. 

Jackson 

The Jackson Association held the JAR MS RPAC pageant 

May 4, raising over $5,000 in less than one 

hour. Also, members are now able to log on to a 

secure site and download any Seller Disclosure 

Statement they need for a listed property. 

2004 JAR MS RPAC Contestants (from left to right): 

Holmes Ray; Miss Bubbles (Jimmy) McKay; Miss 

Bonnie Begonia a.k.a. Mark Warren; Miss Loosey 

Goosey a.k.a. Ervin Robertson; Miss Dee Mean Orr 

a.k.a. Johnny Brown; Winner Miss Carmen Charisma 

a.k.a Gary Smith and Miss Dixie Dale Pruitt 

Laurel 

The Laurel Board of Realtors ® would like to welcome 

Pinehurst Realty to the Board. A ribbon-cutting 

ceremony and open house was held in April. 

New member and broker for Pinehurst Realty is 

Helen Swartzfager; Charlotte Satcher will be the 

agent for the office. The Board would also like to 

welcome Boyd Parish and Barbara Sauls. Parish will 

be an agent for Holston Realty and Sauls will be an 

agent for Century 21. 

Meridian 

The School Fair during our June Meeting was a success. 

July will bring us Dane Skirtech with his 

famous "45 Tech Tips in 45 Minutes." You won’t 

want to miss it. Please remember to use the three 

new listservs we put in place for board issues, MLS 

issues and technology. We really need your input on 

MLS book print formats while we are in contract 

negotiations, so send your comments and proofs 

will be posted on the MLS message board and the 

board website at www.meridianboardofrealtors.org. 

Natchez 


North Central 

Lots of welcomed changes are going on here in 

North Mississippi. First, our Board bids a fond 

farewell to Karen Michels our current AE. Karen has 

done such a wonderful job over the last few months. 

She will be missed. We are happy to announce that 

Elaine Little will join us as Karen's replacement. 

Second, our board just completed training last week 

with our new MLS provider, Navica Systems 

Engineering out of Greensboro, NC. Thanks to 

Deborah Coleman who spent three days in Oxford 

training our Board. Visit us at www.northcentralmississippiboardofrealtors.com. 

Northeast 

Things are popping here in "The" Neck of the 

Woods: Northeast Mississippi! At press time, we had 

51 more residential sales in April than this same 

period last year. Our committees are working overtime; 

our membership is growing; and the home 

inspection franchises seem to be the thing now! Our 

Fundraising Committee sponsored an auction in 

May with the proceeds benefiting Habitat for 

Humanity. And our May luncheon honored our 

great affiliates who do so much for us. It's hard to 

be brief when we're having a big time. 

Your Neck...continued on page 17 


Your Neck...continued from page 16 

Northwest 

Our 800 members anxiously await the completion of 

our new office building. The building will house our 

state-of-the-art training room that will allow us to 

provide a host of educational and leadership training 

services. We anticipate completion by late summer. 

Over 250 members recently took advantage of 

four hours of free CE hosted by our REALTOR ® 

Services Board. We have it on good authority that it 

was a record-setting crowd for a local board. We are 

also actively involved in planning our annual Habitat 

for Humanity Golf Tournament for early fall. 

Pearl River 


Southwest 

The Southwest Board of REALTORS ® ’ April meeting 

was held at Percy Quin State Park with steaks, horseshoes, 

a white elephant trade, and karaoke. MAR 

President Bruce Kammer spoke at our May meeting 

held at Western Sizzlin’ in Brookhaven. 

Vicksburg/Warren County 

The Vicksburg/Warren County Board of REALTORS ® 

is proud to announce that local board member, 

Doug Upchurch of Jones & Upchurch in Vicksburg, 

has been nominated for NAR's Good Neighbor 

Award by the Vicksburg Board of Directors. The 

Good Neighbor Award recognizes REALTORS ® 

whose extraordinary commitment to community 

service has helped make the community a better 

place to live. Upchurch is a co-founder and 

Executive Director of the River City Rescue Mission. 

Mississippi Commercial Association 

MCAR members met recently in Jackson for two 

hours of continuing education with Mike Engle. 

Engle reviewed many of the finer points of the 1031 

exchange transaction, including a discussion of 

Reverse 1031s. In April, Coldwell Banker Alfonso of 

Gulfport and Don’s Realty of Meridian hosted a Gulf 

Coast Regional Meeting. Members and guests 

enjoyed a crawfish boil, networking and listening to 

reports from economic development officials representing 

several different coastal counties. n 

Local boards and association executives 

can submit 50-word news briefs for publication 

in the next issue of Real Estate LEADER 

by August 4. Send items for consideration to 

Angela Cain, Editor, at acain@msrealtors.org. 

ASSOCIATION NEWS 

MAR has a new phone number 

In an effort to serve members better, MAR has changed its telephone number to 601-932-5241 (effective June 1). The Mississippi REALTOR ® Institute can still be 

reached at 601-932-9325. The toll-free number will remain the same (800-747-1103). 

Bilingual REALTORS needed 

¿Habla Espanol? Parlez-Vous Francais? Spraker ze Deutsche? The MAR Housing Opportunity Working Group invites you to add your name to a database of bilingual 

agents being developed for the MAR website. The database will include contact information for licensees who are willing to serve as translators and will be available 

for search by REALTOR ® members and the general public. If you’re interested in developing a niche market in this area or are just willing to help your fellow 

REALTORS ® with their non-English speaking clients, please e-mail your name and language specialty to MAR’s Beth Hansen at bhansen@msrealtors.org. 

License plate proceeds to benefit Habitat in three Mississippi communities 

Mississippi REALTORS ® have raised almost $7,000 for Habitat for Humanity projects in Mississippi through the 

purchase of REALTOR ® license plates. Leland, Hattiesburg and Metro-Jackson area Habitat for Humanity programs 

will be the first three to benefit from the proceeds. Each program will receive a $2,304 grant. 

If you haven’t already purchased your REALTOR ® tag, don’t delay. The additional $30 fee supports housing opportunity 

throughout the state. License plates are readily available at your local tax collector’s office. Just present 

your business card with the REALTOR ® logo as proof of your MAR membership. 

Local Board MARPAC participation levels* 

MARPAC has reached 78% of its 2004 

fundraising goal. And at press time, member 

participation in MARPAC stood at 40 percent. 

Have you given your fair share? 

*As of April 30, 2004 

Biloxi/Ocean Springs 8% 

Clarksdale 14% 

Cleveland 55% 

Four County 30% 

East Gulf Coast 32% 

Golden Triangle 68% 

Greenville Area 51% 

Greenwood 47% 

Grenada 57% 

Gulf Coast 42% 

Hattiesburg Area 56% 

Jackson 41% 

Laurel 69% 

Meridian 81% 

Mississippi Commercial 36% 

Natchez 34% 

North Central 30% 

Northwest MS 22% 

Northeast MS 29% 

Pearl River 50% 

Southwest 16% 

Vicksburg/Warren County 48% 

Local Association Staff (AEs) 100% 


2004 MARPAC contributors* *As of April 30, 2004 

Golden 

$5000 

Crystal 

$2500 

Sterling 

$1000 

Jesse Davis 

Oxford 

Larry Edwards 

Ridgeland 

Judy Glenn 

Corinth 

Charlotte Sadler 

Pascagoula 

David Stevens 

Clinton 

Pam Beard 

Vicksburg 

Marshall Holyfield 

Gulfport 

Jean Amos 

Starkville 

Jerry Brewer 

Senatobia 

Esther Smith Brown 

Tupelo 

Scott Brunner 

Ridgeland 

Dottie Collins 

Greenville 

Bill Cook 

Jackson 

Judy Corts 

Hattiesburg 

Cheryl Cranford 

Hattiesburg 

Mark Cumbest 

Moss Point 

Ann Davis 

Columbus 

John Dean Jr. 

Leland 

John Dinkins 

Jackson 

No photo 

available 

Lavelle Dragula 

Hattiesburg 

Dottie Farris 

Hattiesburg 

Cathy Feltenstein 

Meridian 

Joan Ferguson 

Germantown 

Sue Gallaspy 

Hattiesburg 

Sue Gardner 

Tupelo 

Charles Green 

Pascagoula 

Don Halle 

Gulfport 

Joyce Haskins 

Oxford 

Cindy Holt 

Madison 

Stuart Irby 

Hattiesburg 

No photo 

available 

Gwen James 

Hattiesburg 

Pat Jefcoat 

Hattiesburg 

John Jones 

Pascagoula 

Tony Jones 

Olive Branch 

Bruce Kammer 

Picayune 

Kevin Kessinger 

Oxford 

Nancy Lane 

Jackson 

Bob Leigh 

Southaven 

Peggy Leigh 

Southaven 

Peggy Love-Moore 

Hattiesburg 

Johnny McArthur 

Hattiesburg 

No photo 

available 

Brian McPhail 

Hattiesburg 

Melanie Mitchell 

Starkville 

Gary Murphree 

Houston 

Donald Nace 

Hattiesburg 

Brenda O'Neal-Lambert 

Hattiesburg 

Belva Pleasants 

Greenwood 

Vicky Reel 

Olive Branch 

C.R.(Bob) Ridgway 

Jackson 

Ellen Short 

Tupelo 

Janice Shows 

Jackson 

Debbie Sinopoli 

Hattiesburg 

Delois Smith 

Hattiesburg 

Magnolia Club $250-$999 

Steve Bullard, Biloxi 

Linda Graham, Jackson 

Libbi Logan, Cleveland 

Rosemary Stovall, Madison 

Shereriva Strunk, Pascagoula 

Tim Allred, Meridian 

99 Club $99 - $249 

Timothy Allred, Meridian 

Bob Draper, Greenwood 

Pat Hamilton, Meridian 

Don West, Columbus 

Roch Lemieux, Manderville 

Jamie Greer, Madison 

Robert Andrews, Greenville 

Mary Byrd, Hattiesburg 

Myrtle Cain-Berry, Hattiesburg 

Patsy Carey, Hernando 

Mimi Deck, Madison 

Anthony DiFatta, Madison 

Steven Drown, Gulfport 

W. Flowers, Jackson 

Cecilia Forster, Southaven 

J. Max Hamidi, Cordova 

Cynthia Holt, Madison 

Larry Hutchens, Holly Springs 

Jane Johnson, Southaven 

Kathryn Johnson, Southaven 

Joseph Karr, Oxford 

Kathy Landry, Picayune 

Jesse Lane, Jackson 

Valerie G. Leoni, 

Ocean Springs 

Margie McFarland, Biloxi 

Harold McGarrh, Greenville 

Melanie Mitchell, Starkville 

John Morgan, Jackson 

Rodger Motz, Southaven 

Christy Neal, Southaven 

Laura Plyler, Tupelo 

Bernard Schmaltz, 

Bay Saint Louis 

James Shoemaker, Jackson 

Ellen Short, Tupelo 

Tonya Thompson, Columbus 

Andy Stetelman 

Hattiesburg 

Janet Waterhouse, 

Ocean Springs 

Ginger Wiggins, Ridgeland 

Jeanne Adams, Gulfport 

John Adamson, Laurel 

Larry Anderson, Olive Branch 

Wallace Ashley, Cleveland 

Jim Atchison, Biloxi 

Dianne Atwood, Southaven 

Joe Azar, Greenville 

Sherwood Bailey, Gulfport 

William Bailey, Madison 

Charles Ball, Columbia 

Frank Barhanovich, Biloxi 

Ron Barnes, Bay Saint Louis 

Wayne Bartley, Southaven 

Sharron Battaglia, Gulfport 

Lu Becker, Brookhaven 

Robert Belew, Biloxi 

Lee Bennett, Bay St. Louis 

Randy Berg, Brandon 

David Berkley, Bude 

Martin Bittick, Brandon 

William Blair, Columbus 

Marvin Bobinger, Jr., Lucedale 

Lanier Bogen, Greenville 

Robert Bottin, Vicksburg 

M. Boudreaux, Biloxi 

Brad Bounds, Purvis 

Mark Bounds, Madison 

Trudy Bounds, Hattiesburg 

W. Bourgeois, Laurel 

David Bowling, Jackson 

Michael Bowling, Terry 

Larry Bradley, Brandon 

Ray Branscome, Grenada 

Shirley Braun, Biloxi 

Brian Breithaupt, Vicksburg 

Dixie Breithaupt, Vicksburg 

Wesley Breland, Hattiesburg 

Barbara Brewer, Biloxi 

W. Bridges, Jackson 

Eddie Briggs, Madison 

James Briscoe, Jackson 

Bettie Britt, Southaven 

Mary Brock, Terry 

Joyce Tadlock 

Hattiesburg 

Ken Broom, Hattiesburg 

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 

Lloyd Burton, Jackson 

Claire Butts, Flowood 

Paul Campbell, Vicksburg 

Richard Caraway, Jackson 

Haley Carlson, Southaven 

Eugene Carothers, 

Hattiesburg 

Jerry Carriere, Gulfport 

James Carson, Jackson 

David Case, Jackson 

Karl Causey, Jackson 

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 

Dennis Coleman, Columbus 

Ginger Coleman, Gulfport 

Malinda Colerick, Biloxi 

Gerald Collins, Hattiesburg 

Cynthia Conner, Quitman 

Donald Cooper, Jackson 

Robert Corey, Meridian 

Peggy Cothern, McComb 

Richard Cowart, Vicksburg 

Sidney Cox, Brandon 

Martie Craddieth, Tougaloo 

David Craft, Gulfport 

Freda Craft, Pascagoula 

Rod Crosby, Ridgeland 

Bethany Culley, Jackson 

Quentin Whitwell 

Jackson 

Andrea Cummins, Oxford 

Robert Cunningham, 

Greenville 

Linda Curlee, Magee 

Peter Daschbach, Jackson 

A Davis, Natchez 

Ann Davis, Columbus 

Fred Davis, Jackson 

Jim Defoe, Jackson 

Laura Demuth, Long Beach 

Dee Denton, Ridgeland 

William Deterly, Jackson 

Rosa Dial, Brandon 

Cindy Dickinson, Hattiesburg 

Edwin Diez, Jackson 

Barry Doleac, Hattiesburg 

Ron DuBard, Greenwood 

Lawrence Dudley, Meridian 

Robert Dugan, Brandon 

Paul Dunbar, Hattiesburg 

Ella East, Jackson 

John Ellis, Pass Christian 

Kenneth Ellis, Greenwood 

Joseph Endry, Pensacola 

James Etheridge, Mc Comb 

Sheila Etheridge, 

Diamondhead 

Clarence Evans, Jackson 

Cheryl Fair, Southaven 

Bernard Favret, New Orleans 

Michael Fearn, Biloxi 

J. Fineran, Bay St. Louis 

Hal Fiser, Clarksdale 

Steven Floyd, Hattiesburg 

Nell Foshee, Batesville 

Judy Galloway, Gulfport 

William Gamble, Jackson 

Glen Gardner, Picayune 

Mandy Gardner, Flowood 

Sigrid Garner, Brandon 

Michael Garvey, Hattiesburg 

Allison Gates, Gulfport 

Mike Gates, Hattiesburg 

Win Girod, Raymond 

Jeffrey Gooden, Clarksdale 

Judy Goodwin, Grenada 

Chris Wilson 

Picayune 

Charles Graham, Biloxi 

Tana Graham, Jackson 

Tom Graham, Gulfport 

Edward Grantham, Canton 

Emily Gray, Mooreville 

Tanya Gray, Laurel 

Charles Green, Pascagoula 

Paul Green, Natchez 

Sue Gregory, Grenada 

Anita Griffith, Cleveland 

David Griffith, Cleveland 

Raymond Groom, Picayune 

Michael Grower, Jackson 

Thomas Guest, Oxford 

Shirley Gussio, Vicksburg 

Kenndy Hall, Jackson 

Carlysle Hamilton, 

Ocean Springs 

Royce Hanberry, Hattiesburg 

Bonnie Hankins, Grenada 

Caryn Hanson, Escatawpa 

Doris Hardy, Columbus 

Debby Harmon, Tupelo 

Paul Harrington, Natchez 

William Harris, Brandon 

Rebecca Hatten, Hattiesburg 

Janell Hatton, Columbia 

Gary Hawkins, Madison 

Ralph Hays, Flowood 

Terry Hedgepeth, Richland 

Clinton Herring, Jackson 

Howard Herring, Meadville 

William Hewes, Gulfport 

Cheryl High, Gulfport 

Virginia Hodges, Meridian 

Tanya Holland, Columbia 

Wes Holsapple, Madison 

D Holstein, Biloxi 

Nikki Horton, Leland 

Margarite Howell, Meridian 

Yvonne Huddleston, Jackson 

Charles Hutcheson, Meridian 

David Ingram, Ridgeland 

James Irby, Jackson 

Elizabeth Ishee, Petal 

Linda Jackson, Brandon 

Terry Winstead 

Meridian 

Felix Jackson, Sr., Praire 

Anne James, Biloxi 

Marguerite Jeffcoat, Greenville 

Kay Jefferies, Southaven 

Joe Jenkins, Jackson 

John Jenkins, Jackson 

Sheila Jenkins, Ridgeland 

Ann Jensen, Jackson 

James Jensen, Jackson 

Matt Jensen, Madison 

Carole Johnson, Southaven 

Gregory Johnson, Jackson 

Joe Johnson, Laurel 

Katie Johnson, Olive Branch 

Michael Johnson, Flowood 

Diane Jones, Olive Branch 

Kenneth Jones, Gulfport 

Lavaree Jones, Jackson 

Martin Jones, Gulfport 

J. D. Jordan, Columbus 

Cassie Kauerz, Meridian 

Linda Kaufman, Biloxi 

Laura Kelley, Waynesboro 

Nancy Kelsey, Jackson 

Mildred Kendrick, Gulfport 

Ames Kergosien, 


Carolyn Kessinger, Oxford 

Walter Ketchings, Ocean 

Springs 

Robie Kight, Jackson 

Billy King, Oxford 

Jenny King, Hattiesburg 

Lynn King, Madison 

William King, Hattiesburg 

Jerome Kittrell, Meridian 

Clifford Klousia, Jackson 

William Knesal, Gulfport 

Malcolm Kretschmar, 

Greenville 

Lorraine Krohn, Gulfport 

Lois Laird, Columbus 

David Lane, Jackson 

Mary Lang, Greenville 

Angela Laster, Columbus 

Steve Lawler, Picayune 

Nell Wyatt 

Madison 

Leigh Leech, Jackson 

Vanessa Leech, Vicksburg 

John Lewis, Jackson 

Barbara Linn, Clinton 

Cindy Litsinger, Madison 

Debbie Little, Meridian 

Marlene Logan, Pass Christian 

Jimmy Lovett, Morton 

Judy Lundy, Grenada 

Barry Lutz, Ocean Springs 

Robert Lyle, Jackson 

Lawrence Magdovitz, 

Clarksdale 

Michael Maloney, Brandon 

Jeanie Malouf, Brandon 

Carole Martin, Batesville 

Conrad Martin, Jackson 

Linda Martin, Philadelphia 

Marcus Martin, Brandon 

Binnie Maselle, Flowood 

Sandi Mathews, Ridgeland 

Elizabeth Maximo, Picayune 

Joseph McAllister, Meridian 

Mary McAnally, Jackson 

M.L. McCarty, Columbus 

Stephanie McConnell, 


Ed McDonald, Clinton 

Gary McFarland, Clinton 

John McFarland, Gulfport 

Rick McGill, Columbus 

Dewey McGowan, Richland 

Rita McIntosh, Flowood 

Douglas McKinnon, Jackson 

Curtis McMillan, Mendenhall 

George McMillin, Vicksburg 

Roland McPhail, Oxford 

Brenda McRae, Southaven 

Julius McRee, Oxford 

Lila McRight, Greenville 

Sandy Metrolis, Meridian 

Jo Lynn Michael, Jackson 

Joseph Miller, Jackson 

Laura Miller, Meridian 

Cindy Millette, Brandon 

Ray Millwood, Greenville 

Jim Mitchell, flowood 

Madge Mitchell, Raymond 

Maurice Mitchell, Mc Henry 

Pamela Mitchell, Brandon 

Albert Moore, Pearl 

Martha Moore, Union 

Sharon Moran, Gulfport 

Joe Morgan, Madison 

Johnny Morgan, Oxford 

Tommy Morgan, Tupelo 

Karen Morreale, 

Pass Christian 

Leonard Morris, Batesville 

David Morrow, Brandon 

Jonnette Moss, Ridgeland 

Edwin Neelly, Tupelo 

Robert Neill, Hattiesburg 

Benjamin Nelken, Greenville 

Deborah Nettles, Starkville 

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 

Roger Palmer, Olive Branch 

Carla Palmer-Allen, Ridgeland 

Carey Pennebaker, Jackson 

Glenn Pennington, Prentiss 

Gloria Petway, Southaven 

Gene Phillips, Flowood 

John Phillips, Biloxi 

Kristie Phillips, Madison 

Perry Phillips, Hattiesburg 

R. Pierce, Madison 

Robert Pigford, Meridian 

Cleo Pigg, Flowood 

Julia Pippin, Picayune 

Helen Pitts, Tupelo 

Clinton Plummer, Gulfport 

John Pollman, Meridian 

John Praytor, Jackson 

John Price, Brandon 

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 

Diane Reece, Grenada 

Paul Reese, Picayune 

Lonnie Reynolds, Laurel 

Wythe Rhett, Columbus 

Sandy Richards, Gulfport 

Barbara Richardson, Jackson 

W. Dillard Richardson, Saltillo 

Gail Riddick, Drew 

Jerry Riley, Gulfport 

Martin Rivers, Biloxi 

William Rodwell, Gulfport 

Judy Rose, Southaven 

Ricky Round, Laurel 

Roddy Rumbley, Madison 

Glenn Sable, Clinton 

Billy Sanders, Bay Saint Louis 

Erma Sanders, Columbus 

Mildred Sanders, Jackson 

Ray Sartor, Ripley 

Randall Saxton, Madison 

James Schaefer, Gulfport 

Julie Schmidt, Jackson 

Kim Seaman, Pascagoula 

Ronnie Sellers, Clarksdale 

Kate Sharp, Jackson 

Billie Shaw, Madison 

Lissa Shivers, Lafayette 

Frankie Shows, Columbus 

Janice Shows, Madison 

Janice Shumaker, Jackson 

Johnny Simmons, Jackson 

Larry Sims, Laurel 

Reginald Sims, Madison 

Bo Smith, Ridgeland 

Charlotte Smith, Jackson 

Daniel Smith, Diamondhead 

Delois Smith, Hattiesburg 

Gary Smith, Madison 

Joey Smith, Meridian 

Robert Smith, Richland 

Evelyn Smith-Ransom, Jackson 

Margie Smithson, Olive Branch 

Debra Sogard, Bay Saint Louis 

Joyce Sones, Poplarville 

Leland Speakes, Cleveland 

Vernon Spencer, Brandon 

Sandra Stafford, Fulton 

Jenene Stamboulieh, Madison 

Joe Stedman, Natchez 

Steven Steen, Madison 

Andrew Stetelman, Hattiesburg 

Richard Stockett, Crystal Springs 

Charles Stone, Greenville 

Troy Stricklin, Ridgeland 

James Stroo, Hattiesburg 

Sharon Sullivan, Jackson 

Jan Swearingen, Gulfport 

Durwood Tadlock, Vicksburg 

Joyce Taylor, Madison 

Judy Taylor, Southaven 

Anne Teadt, Pass Christian 

Geraldine Tenhet, Mathiston 

Dawn Testa, Oxford 

Eva Thomas, Jackson 

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 

Gwendolyn Walker, Oxford 

Arlene Wall, Biloxi 

Phyllis Waltman, Hattiesburg 

Gregory Warren, Forest 


MARPAC contributors...continued from page 19 

Mark Warren, Jackson 

Catherine Warriner, Jackson 

Vicki Weaver, Ridgeland 

Chris Webster, Ridgeland 

Hermine Welch, Madison 

William White, Booneville 

John Wichman, Sumrall 

Clyde Wiggins, Olive Branch 

Watkins Wild, Mc Comb 

Brenda Wiley, Ridgeland 

Sue Wilkinson, Brandon 

Bailey Williams, Corinth 

Boyd Williams, Meridian 

Sandra Williams, Tunica 

Shirley Wilroy, Hernando 

Pattye Wilson, Greenville 

Thellis Winstead, Meridian 

Tony Winstead, Meridian 

W. Winstead, Meridian 

Lucille Wolfe, Greenville 

Jerry Woods, Pearl 

Barry Woodward, Madison 

William Wright, Jackson 

Mitzi Yarnell, Gulfport 

Margaret Yockers, Madison 

Other Contributors 

Joseph Abell, Ocean Springs 

Shirley Acosta, Gulfport 

Joyce Acy, Madison 

Carlton Adams, Ridgeland 

Eugenia Adamson, Laurel 

Gloria Addison, Meridian 

Jeri Agent, Madison 

Dianne Albrecht, Gulfport 

Bonnie Albritton, 

Moss Point 

Robert Aldridge, Biloxi 

Harry Alexander, Oxford 

Joey Alexander, Magnolia 

Kim Alexander, Starkville 

John Alford, Jackson 

Mike Alford, Tupelo 

Justin Allen, Biloxi 

Robby Allen, Southaven 

Sherree Allen, Brandon 

Roberta Alley, Biloxi 

Timothy Allred, Meridian 

Elena Alm, Biloxi 

Frances Alvarado, Vicksburg 

Nancy Amacker, Hattiesburg 

Cora Anders, Jackson 

Joree Anderson, Brandon 

Michael Anderson, 

Hattiesburg 

Silas Anderson, Jackson 

Mary Andress, Vicksburg 

Betty Appleton, Oxford 

Bernard Armstrong, 

Southaven 

Elizabeth Arnold, 


Simeon Aspacio, Biloxi 

Rebecca Atchison, Biloxi 

Jennie Atkins, Natchez 

Paul Atwood, Southaven 

Jane August, Corinth 

Stephanie Avant, Greenwood 

Lee Aylward, Cleveland 

Virgie Azar, Greenville 

Stacy Babb, Carriere 

Carole Bailey, Jackson 

Elizabeth Bailey, Gulfport 

Kathy Bailey, Tupelo 

Sandra Bailey, Biloxi 

Sherret Bailey, Oxford 

Peggy Bain, Corinth 

Kay Baird, West Point 

Bobby Baker, Batesville 

Bradley Baker, Batesville 

Gloria Baker, Madison 

James Ball, Vicksburg 

Stephen Ballard, Southaven 

Alicia Bariola, Greenville 

Locke Barkley, Jackson 

Jackie Barksdale, Clinton 

Jane Barksdale, Ridgeland 

Claudia Barnes, Picayune 

Susan Barnes, Biloxi 

Anita Barnett, Holly Springs 

Linda Barnett, Natchez 

Robin Barnett, Tupelo 

Susan Barnett, Laurel 

Susan Barnett, Vicksburg 

Charleene Barnette, Clinton 

Richard Barrett, Leland 

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 

Mary Beckman, 

Ocean Springs 

Tracy Beebe, Jackson 

Bradley Bennett, Southaven 

Patricia Bennett, Hattiesburg 

Rhonda Bennett, Gulfport 

Deborah Benoit, Picayune 

Marcia Benson, Biloxi 

Rebecca Benson, Oxford 

Patricia Berret, Ridgeland 

Jena Berrong, Jackson 

Debbie Best, Mc Comb 

Pam Biggs, Crystal Springs 

Anthony Bishop, Biloxi 

Dorothy Bittick, Brandon 

Leslie Blacklidge, Biloxi 

Brenda Blackwell, 

Hattiesburg 

Charla Blackwell, Brandon 

Don Blackwell, Brandon 

Gary Blair, Brookhaven 

Janie Blaize, Biloxi 

Daniel Bland, Natchez 

LaSonya Blankenship, 

Olive Branch 

Deborah Blocker, Meridian 

Harold Blossman, Mc Comb 

Vernon Boatman, Jackson 

Jane Bobitt, Cleveland 

Terri Boblick, Brandon 

Alicia Bomar, Southaven 

Chris Bond, Jackson 

Janice Bond, Laurel 

David Booker, Meridian 

Bonnie Borne, Batesville 

Cheryl Boudreaux, Biloxi 

Deanna Bourgeois, Laurel 

Joseph Bourriague, Biloxi 

Cecil Bowers, Greenwood 

Curtis Bowie, Greenwood 

Lori Box, Greenwood 

Lee Boyette, Laurel 

Deborah Braden, Southaven 

Lori Bragg, Ridgeland 

Joe Bramlett, Mc Comb 

Stacey Bramlett, Mc Comb 

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 

Brandon Brown, Brandon 

John Brown, Ridgeland 

Melanie Brown, Ridgeland 

Michael Brown, Poplarville 

Susan Brown, Ridgeland 

Tinika Brown, Jackson 

Patrick Browne, Waveland 

Suzanne Browne, Waveland 

Beverley Browning, 

Ridgeland 

Mary Bryan, Madison 

Karen Bryant, Columbus 

Lisa Bryant, Southaven 

Luran Buchanan, Jackson 

Sara Buchanan, Jackson 

Patricia Buckner, Starkville 

Kate Bucy, Ridgeland 

Corinne Buehler, Greenville 

Judith Buford, Diamondhead 

Francine Bukvich, Brandon 

Carolyn Bullard, Biloxi 

Peggy Bullion, Hattiesburg 

Cheryl Bullock, Jackson 

John Bunch, Greenwood 

Emery Burch, Purvis 

Janet Burkett, Brandon 

Lisa Burnett, Southaven 

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 

Margaret Byrd, 

Ocean Springs 

Harris Callum, Flora 

Crissie Cameron, Flowood 

Natalie Cameron, Poplarville 

Judith Campbell, Southaven 

Margaret Campbell, Tupelo 

Vickey Campbell, Hattiesburg 

William Campbell, Madison 

Peggy Carman, Madison 

James Carmon, Southaven 

Vicki Carmon, Corinth 

Betty Carr, Starkville 

Sybil Carraway, Vicksburg 

Hubert Carson, Wiggins 

Jamee Carter, Vicksburg 

Robin Carter, Ridgeland 

Ellen Carty, Hattiesburg 

Sam Caruthers, Lucedale 

Rebecca Cason, Gautier 

Bea Cathey, Hattiesburg 

Jennifer Catledge, 

Olive Branch 

Shannon Cavanaugh, Biloxi 

Terry Caves, Laurel 

Wanda Cazaubon, Gulfport 

Frederick Cerami, Brandon 

Lorna Chain, Jackson 

Gloria Chancellor, Meridian 

L.M. Chancellor, Meridian 

Cynthia Chappelear, Madison 

Margaret Charbonnet, 


Carroll Charles, Greenwood 

Lavonne Chase, Jackson 

Barry Chatham, Southaven 

Jahnae Cherry, Olive Branch 

Martha Chesser, Starkville 

Amiee Christie, Gulfport 

Keith Clair, Jackson 

Alah Clark, Madison 

Carol Claverie, Biloxi 

Kenneth Clay, Meridian 

Cathi Clements, Madison 

Barry Clemmer, Jackson 

Sandra Clifford, 


Kevin Clifton, Ocean Springs 

Betty Cline, Crystal Springs 

Gloria Clyatt, Madison 

Genie Coats, Meridian 

Laurie Cobb, Meridian 

Vickey Cobb, Meridian 

Robert Coburn, Greenville 

Frances Coffin, Laurel 

David Coggins, Tupelo 

Ginger Coggins, Collierville 

Kathy Coker, Madison 

Eddie Cole, Olive Branch 

Louise Cole, Tupelo 

Nancy Cole, Ridgeland 

David Coleman, Columbus 

Keith Coleman, Columbus 

C. Collier, Pass Christian 

Trisha Collier, Meridian 

Juanice Collins, Poplarville 

Margie Collins, Olive Branch 

Sandy Collins, Jackson 

Timothy Collins, Oxford 

Wendell Collins, Poplarville 

Robert Compretta, Waveland 

Charla Conlee, Clinton 

Greg Conley, Jackson 

Sharon Conlin, Jackson 

Donald Conn, Madison 

Michael Conway, Picayune 

Bill Cook, Jackson 

William Cook, Ocean Springs 

Shannon Cooke, Gulfport 

Jackie Coombs, Corinth 

Bryan Cooper, Picayune 

Tamara Cooper, Jackson 

Steve Corey, Meridian 

Steve Cork, Tupelo 

Dolores Cornacchione, 

Mc Comb 

Brian Couch, Southaven 

Elmer Couch, Grenada 

Brenda Coulter, Vicksburg 

Barbara Cousan, Picayune 

Buck Covington, Madison 

Larry Cowart, Moss Point 

Bobby Cox, Booneville 

Lady Cox, Starkville 

Suzanne Cox, Jackson 

Megan Craft, Brandon 

Cathy Crain, Jackson 

Melanie Crain, Starkville 

Jay Crane, Meridian 

Joel Craven, Purvis 

Mary Creel, Gulfport 

Sheri Creel, Brandon 

Shonya Creel, Columbia 

Billy Cross, Madison 

Renee Crutchfield, Brandon 

Marilyn Cuccia, 

Diamondhead 

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 

Veronica Dalton, Hattiesburg 

Sandra Damers, Biloxi 

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 

Michael Davis, Vicksburg 

Scott Davis, Tupelo 

Clyde Day, Biloxi 

Patsy Day, Jackson 

Margaret Deavours, Jackson 

Jenifer Decker, Tupelo 

Cherry Deddens, Madison 

Lesley Deddens, Madison 

Nancy DeFazio, Long Beach 

Jason Deitenbeck, Brandon 

Ruth Dempsey, Ackerman 

Carol Dendy, Madison 

Jerry Denham, Hattiesburg 

Doris Denney, Columbus 

Timothy DeRossette, 

Vicksburg 

Margaret Derryberry, 

Brandon 

Jeri Derscheid, 

Ocean Springs 

Dean DeRuiter, Madison 

Lillie DeShields, Natchez 

Pat DeWeese, Vidalia 

Patsy Dingman, Gulfport 

John Dinkins, Madison 

Donna Diveley, Meridian 

Marjorie Dixon, Jackson 

Alicia Doleac, Hattiesburg 

Tracey Dooley, Meridian 

Michael Dowdy, Columbus 

Carol Downing, Hattiesburg 

Helene Doxey, Waveland 

Sylvia Drake, Brandon 

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 

Janis Early, Jackson 

Janice Easom, Natchez 

Tamara Eastep, Gulfport 

Thomas Easter, Gulfport 

Brenda Easterwood, 

Meridian 

Paul Eavenson, Hattiesburg 

Louise Echavarria, 


Marian Edmonson, 


Van Edmonson, 


Donna Edwards, Brandon 

Joe Edwards, Brandon 

Sandra Edwards, 

Ocean Springs 

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 

Phyllis Enis, Columbus 

Charles Epps, Byram 

Terry Escue, Brandon 

Sharon Eskridge, Southaven 

Brenda Estes, Tupelo 

Brian Estes, Madison 

Renee Estes, Columbus 

Brenda Eubanks, Southaven 

Demetrese Evans, Jackson 

Cynthia Everett, Pascagoula 

Darrell Fairchild, Hattiesburg 

Jill Fairchild, Brandon 

Lisa Farmer-Walker, 

Southaven 

Carolyn Faust, Southaven 

E Favre, Diamondhead 

Melissa Fayard, Biloxi 

Jackie Fearn, Biloxi 

Cathy Feinstein, Meridian 

Charles Feltus, Natchez 

Lane Feltus, Natchez 

Judi Ferguson, Olive Branch 

Carole Ferrell, Natchez 

Frank Fillingham, Ridgeland 

Lynn Fillingham, Ridgeland 

John Fiser, Clarksdale 

Sara Flanagan, Greenwood 

James Fleming, Carriere 

Mary Fleming, Carriere 

Patricia Fleming, Mc Comb 

Sally Fletcher, Jackson 

Marilyn Flowers, Grenada 

Betty Flurry, Gulfport 

Betsy Folmar, Madison 

Ronald Forbes, Hattiesburg 

Glenn Ford, Picayune 

Jill Ford, Jackson 

Martha Ford, Picayune 

Sam Ford, Gulfport 

Mark Formby, Picayune 

Helen Fortner, Diamondhead 

Becky Fowler, Brandon 

William Fox, Starkville 

Charlotte Fraisse, 

Ocean Springs 

Ellen Franklin, Meridian 

Kelly Franklin, Biloxi 

Janet Frisbie, Bay Saint Louis 

William Frohn, Ridgeland 

Jamie Frye, Meridian 

James Gallaspy, Hattiesburg 

Beth Garland, Flowood 

Jennifer Garlich, Pascagoula 

Monica Garner, Mc Comb 

Ronnie Garner, Brandon 

Ti Garner, Brandon 

Audrey Garrett, Gulfport 

Peggy Garrison, Southaven 

Bettye Gartrell, Jackson 

Betty Garvin, Ridgeland 

Christopher Gaskin, 

Meridian 

Betty Gates, Bay Saint Louis 

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 

Helene Giles, Bay Saint Louis 

Jane Gillespie, Booneville 

Theresa Gillis, Byram 

Roger Glass, Pass Christian 

Karen Godfrey, Clinton 

Odell Godwin, Leland 

Stacey Godwin, 


Sue Golmon, Tupelo 

Jennifer Goode, Canton 

Rebecca Goodell, Columbus 

Tish Goodman, Greenwood 

Jane Goodson, Jackson 

Douglas Goodwin, Starkville 

Paul Goodwin, Hattiesburg 

Michelle Gorana, 

Ocean Springs 

Kathleen Gott, Gulfport 

Charles Gottesman, Biloxi 

Danny Gowen, Southaven 

Sharon Grace, Oxford 

Diane Graham, Jackson 

Harold Graham, Biloxi 

Hazel Graham, Ridgeland 

Karen Graham, Vicksburg 

Kristy Graham, Meridian 

Mark Graham, Hattiesburg 

Leslie Granberry, Gulfport 

Thomas Grant, II, Vicksburg 

Stephanie Grantham, 

Ridgeland 

Faye Gray, Meridian 

Patricia Gray, Hattiesburg 

Scott Gray, Meridian 

Terri Gray, Madison 

Thomas Gray, Mooreville 

Clarissa Green, Meridian 

James Green, Oxford 

Michael Green, Brandon 

P Green, Natchez 

Eloise Greene, Biloxi 

Marilyn Greene, Meridian 

Chip Grenn, Hattiesburg 

Gregory Gresham, 

Holly Springs 

Kimberly Griffin, Brandon 

Max Griffin, Pontotoc 

Pamela Griffin, Madison 

Yvonne Griffith, Waveland 

Julia Grimes, Tupelo 

Dan Grimmett, Ridgeland 

Rick Grubbs, Tupelo 

Jim Guest, Oxford 

Jacob Guice, Biloxi 

Malinda Gullick, Southaven 

Reid Guy, Madison 

Jacqueline Haarala, 

Meridian 

Kenneth Hale, Southaven 

Martha Hale, Corinth 

Jolynda Halinski, Vicksburg 

Donald Hall, Laurel 

John Hall, Waveland 

Linda Halle, Gulfport 

Joshua Halsema, Biloxi 

Carolyn Handler, Biloxi 

Jamie Hanry, Jackson 

Beth Hansen, Jackson 

Richard Hansen, Gulfport 

Carol Hardison, Ridgeland 

Rebecca Harlan, Biloxi 

Bethany Harless, Jackson 

John Harless, Madison 

Jan Harlow, Laurel 

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 

James Harwell, Meridian 

Margaret Hasselvander, 

Hattiesburg 

David Hatchett, Jackson 

Jo Hatten, Brandon 

Leisa Havis, Biloxi 

James Healy, Gulfport 

Tori Heard, Madison 

Michael Heath, Meridian 

Jonathan Hederman, Oxford 

Richard Heitmann, Madison 

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 

Bill Hetrick, Clinton 

Marilyn Hetrick, Clinton 

Wendy Hewlett, Oxford 

Tara High, Gulfport 

Bradley Hignight, Gulfport 

Andrea Hill, Greenville 

Elaine Hill, Laurel 

Jackie Hill, Hattiesburg 

Janet Hill, Gulfport 

John Hill, Meridian 

Norma Hill, Hattiesburg 

Eugenia Hines, Madison 

Judy Hobbs, Cary 

Sherry Hocutt, Hattiesburg 

Robert Hodges, Meridian 

Mike Hoffman, Jackson 

Beverly Hoge, Clinton 

Peggy Holder, Oxford 

Jackie Holifield, 


Tommie Holifield, 

Hattiesburg 

Albert Holley, Jackson 

Daniel Holliman, Biloxi 

Jean Holliman, Gulfport 

Christopher Holloway, 

Batesville 

Elizabeth Holloway, Biloxi 

Judy Holmes, Mc Comb 

Margaret Holmes, 

Pascagoula 

Brent Holston, Carriere 

Gert Hoover, Jackson 

Gwendolyn Hoover, 

Long Beach 

Glenda Hopkins, Ridgeland 

Carol Horne, Tupelo 

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, Ridgeland 

Geraldine Hughes, 


John Hughes, Laurel 

Karen Hughes, Greenville 

Lester Hughes, Hattiesburg 

Stacy Humphrey, Ripley 

Ann Hunt, Picayune 

Diane Hunt, Senatobia 

Robert Hurdle, 

Holly Springs 

Scarlett Hurdle, 

Holly Springs 

Tom Hurdle, Oxford 

Judy Hurley, Greenwood 

Tommye Hurtt, Jackson 

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 

Charles Irving, Jackson 

Norman Isbell, Corinth 

Lawana Ivey, Southaven 

Danny Ivy, Clinton 

Deborah Ivy, Clinton 

Irene Jackson, Canton 

James Jackson, Greenwood 

Laura Jackson, Clinton 

Mary Jackson, Cleveland 

Pat Jacobs, Corinth 

Bryan Jameson, Madison 

Arick Jamison, Ridgeland 

Debora Jenkins, Hernando 

Martin Jenkins, Meridian 

Debra Joel, Cleveland 

Jeffrey Joel, Cleveland 

Cecil Johnson, Carriere 

Charles Johnson, 

Hattiesburg 

Dalton Johnson, Jackson 

Hugh Johnson, Jackson 

Jean Johnson, Laurel 

Kathleen Johnson, Gautier 

Lacey Johnson, Oxford 

Nancy R. Johnson, 

Columbus 

Patricia Johnson, Columbus 

Patty Johnson, Tupelo 

Clarine Johnston, 

Bogue Chitto 

Ronnie Johnston, Vicksburg 

Carolyn Jones, Mc Comb 

Eva Jones, Ridgeland 

Loyd Jones, 

Germantown, TN 

Mary Jo Jones, 


Michelle Jones, 

Olive Branch 

Samuel Jones, Hernando 

Sarah Jones, Ridgeland 

Cheryl Jordan, Laurel 

Jay Jordan, Gulfport 

Nancy Jordan, Natchez 

Scarlett Jordan, 

Diamondhead 

Tony Jordan, Vicksburg 

Vesta Jordan, Hattiesburg 

Richard Joslin, Oxford 

Betty Ann Joyner, Meridian 

Elaine Kaden, Southaven 

Kimberly Kaliszak, Biloxi 

Connie Kate, Gulfport 

Lisa Keefe, Corinth 

Carolyn Keene, Vicksburg 

Cynthia Kelly, Braxton 

Margaret Kempner, 

Ocean Springs 

Dorris Kendrick, Gautier 

Nettie Kennedy, ABR, GRI, 

Picayune 

Donald Kessinger, Oxford 

Kevin Kessinger, Oxford 

Felix Key, Gulfport 

Beth Keys, Columbus 

James Kimbrell, Natchez 

Janet Kinard, Grenada 

Ella Kincade, Hattiesburg 

Gail King, Mc Comb 

Diane Kinsella, Southaven 

Tracy Kirkley, Olive Branch 

Janet Kirsch, Gulfport 

Vicki Klein, Flowood 

Hugh Knight, Gulfport 

Jimmy D. Knight, Meridian 

Tawanda Knight, 

Collierville, TN 

Kathy Kolb, Vicksburg 

Joseph Kontur, Biloxi 

Juanita Kraft, Madison 

Marjorie Kusser, 

Diamondhead 

Martha Kyker, Brandon 

Betty Ladner, Biloxi 

Jane Ladner, Jackson 

Wallace Ladner, Gulfport 

Cindy Lai, Jackson 

Jack Lamb, Hattiesburg 

Betsy Landers, Ridgeland 

Barbara Landry, 


Stephanie Landry, Biloxi 

Pat Lane, Starkville 

Jennifer Larson, Biloxi 

Ann Lauman, Jackson 

Nicole Lavigne, Ocean Springs 

Beau Lawrence, Jackson 

Janet Lawrence, Biloxi 

Philip LeBlanc, Gulfport 

Beverly Lee, Biloxi 

Martha Lee, Hattiesburg 

Wayne Lee, Jackson 

Annita LeFan, Hattiesburg 

Jennifer Lefoldt, Ridgeland 

James Leggitt, Oxford 

Nancy Lehman, Madison 

Dyann Lentz, Gulfport 

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, Clinton 

Mary Pat Linton, Meridian 

John List, Bay Saint Louis 

Bobby Little, Grenada 

James Loe, Picayune 

Sean Logan, Pass Christian 

Lucille Logue, Vicksburg 

Christie Lott, Gulfport 

Holly Lott, Greenwood 

Laurie Lott, Biloxi 

Leland Lott, Hattiesburg 

Teresa Love, Clinton 

Anita Lovelady, Oxford 

Jason Lovern, Philadelphia 

James Lowe, Vicksburg 

Lisa Lowe, Laurel 

May Lowe, Ridgeland 

Billie Lowery, Picayune 

Mary Lucas, Clinton 

Bea Luckett, Tupelo 

Manthie Lumpkin, Picayune 

Carla Lunn, Pontotoc 

David Lunn, Pontotoc 

Enid Machen, Gulfport 

Virginia Macken, Gulfport 

Debbie Magee, Ridgeland 

Lola Magee, Meridian 

Carol Magers, Diamondhead 

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 

Patsy Mansfield, Picayune 

Sheryn Maricle, Southaven 

Terry Marks, Ridgeland 

Jerry Marlow, Meridian 

Jeffrey Martella, Brandon 

Anne Martin, D'Iberville 

Barbara Martin, Escatawpa 

Bobbie Martin, Jackson 

Henry Martin, Vicksburg 

Kay Martin, Jackson 

Laurie Martin, Meridian 

Shea Martin, Jackson 

Michelle Mason, Oxford 

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., 

Columbus 

Sara McCaughan, Brandon 

Paul McCollough, Greenville 

Leslie Dawn McCormick, 

Meridian 

Levi McCraney, Greenville 

Judy McCrary, Petal 

Susie McDaniel, Hattiesburg 

Jason McDerment, Lucedale 

Lynn McDerment, Lucedale 

Edward McDill, Jackson 

Nancy McDill, Jackson 

Delayne McGowan, Ridgeland 

Faye McGuffee, Clinton 

Elaine McIntire, Greenville 

J. D. McIntosh, Flowood 

Pamela McIntosh, Biloxi 

John McIntyre, Waveland 

Justin McKee, Gulfport 

Patricia McKeithen, Meridian 

Robert McKellar, Hattiesburg 

Jeff Mckelroy, Southaven 

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 

Samuel McReynolds, 

Starkville 

Joseph McVey, Biloxi 

Grace Meadows, Jackson 

Laura Meadows, 


Judy Melancon, Picayune 

Abraham Menhel, Greenville 

Carl Merck, Brandon 

Christopher Merck, Brandon 

Karen Michels, Oxford 

Lynn Middleton, Oxford 

Ewing Milam, Jackson 

Geneva Milam, Diamondhead 

Stephanie Milam, Greenville 

Amy Miller, Biloxi 

Christy Miller, Tupelo 

Elloise Miller, Batesville 

Laura Miller, Hattiesburg 

Marian Miller, Clarksdale 

Nora Miller, Biloxi 

Robert Miller, Pass Christian 

Marty Mills, Pontotoc 

Mary Mills, Ridgeland 

Brenda Milton, Southaven 

Donna Mincey, Flowood 

Angie Mitchell, Laurel 

Janie Mitchell, Picayune 

Kimmons Mitchell, Corinth 

Carol Mitchell Jones, 

Vicksburg 

Mary Mizell, Diamondhead 

Dennis Moffett, Lucedale 

Regina Mohamed, 

Southaven 

Angela Mohr, Tupelo 

Douglas Molyneaux, 

Gulfport 

Melonie Monk, Gulfport 

Donna Monsour, Meridian 

Gwen Montgomery, 

Hattiesburg 

Janet Moody, Olive Branch 

Katherine Moody, 

Ocean Springs 

Eric Moore, Meridian 

Janet Moore, Pearl 

Lisa Moore, Jackson 

Sherley Moore, Pearl 

Joan Moreno, Gulfport 

Adam Morgan, Tupelo 

Anita Morgan,Greenwood 

Doris Morgan, Gulfport 

Steve Morgan, Booneville 

Tracy Morgan, Clinton 

Ajax Morris, Cleveland 

Judy Morris, Jackson 

Su Morris, Ridgeland 

Tate Moudy, Brandon 

John Mozingo, Gulfport 

Martha Mueller, Biloxi 

Chester Murdock, Biloxi 

Bonita Murphy, Jackson 

Estelle Murphy, Clinton 

Travis Murray, Crosby 

William Murtagh, Brandon 

Ann Musgrove, Carriere 

Anne Myers, Madison 

John Myers, Mc Comb 

Kenneth Myers, Gulfport 

Ruth Myers, Clinton 

Tena Myers, Ridgeland 

Max Myrick, Laurel 

Winnie Nace, Hattiesburg 

Dina Naron, Lucedale 

George Nash, Jackson 

Janie Nash, Sandhill 

Margaret S Nelms, Meridian 

Kathleen Nelson, Gulfport 

Teresa Nelson, Gautier 

John Newell, Jackson 

Sharon Newell, Greenville 

Janice Newman, Gulfport 

Karen Newsom, Ridgeland 

Sheila Nicholas, Jackson 

Carolyn Nichols, Gulfport 

Chad Nichols, Gulfport 

Clinton Nicholson, Richland 

Kimberly Noffsinger, 

Starkville 

Betsy Nolan, Diamondhead 

Patrick Nolan, 

Diamondhead 

Sarah Nolan, Diamondhead 

John Noonan, 


Carlene Noone, Madison 

Joyce Noone, Madison 

Susan Norris, Biloxi 

Phillip Norsworthy, Brandon 

Connie Norwood, Vicksburg 

Fred Nosef, Greenville 

Billy Nowell, Cleveland 

Nancy Nowell, Ridgeland 

Brenda Null, Meridian 

Jonathan Nutt, Brandon 

Tammy Nutt, Madison 

Emily O'Beirne, Natchez 

Avra O'Dwyer, 


Michael O'Dwyer, 


Rita Ogle, Jackson 

Letitia O'Lane, Southaven 

Natalie Olier', Ocean Springs 

David Olivier, Slidell 

Amy Olsen, Biloxi 

Susan O'Mara, Ridgeland 

Brenda O'Neal-Lambert, 

Hattiesburg 

Tanya O'Rourke, Clinton 

Maureen Orth, Vidalia 

Linda Outten, Ridgeland 

Kane Overstreet, Columbus 

Ashley Owens, Meridian 

June Owens, Hattiesburg 

Bobby Pace, Ridgeland 

Joshua Padgett, Gulfport 

Margaret Page, Meridian 

Francis Parker, Brandon 

Mary Parker, Diamondhead 

Peggy Parker, Biloxi 

Tammie Parks, Oxford 

Bill Parrish, Gulfport 

Joe Pate, West Point 

Marla Patterson, Tupelo 

Tina Patterson, Brandon 

Bette Paul, Vicksburg 

Tina Pavlov, Gulfport 

Barbara Payne, Gulfport 

Charles Payne, Jackson 

Robert Peaks, 

Ocean Springs 

Brenda Pearce, Tupelo 

Lisa Pennington, Tupelo 

Arlene Perkins, Biloxi 

Sally Perkins, Hattiesburg 

Ethel Perry, Picayune 

Heather Perry, Collinsville 

Karen Peters, Gulfport 

Michael Peters, Jackson 

Mitchell Peters, Jackson 

Robert Peters, Vicksburg 

Bob Peterson, Hattiesburg 

Twila Peterson, Pascagoula 

Dixie Phelps, Ridgeland 

Elaine Phelps, Ridgeland 

Gerald Phillips, Laurel 

Hallie Phillips, Meridian 

Janice Phillips, Tupelo 

Tamara Phillips, Biloxi 

Thomas Phillips, Columbus 

Tim Phillips, Oxford 

Silvana Piadade, Southaven 

Judy Pickering, Jackson 

Bettye Pierce, Hattiesburg 

Vernon Pierce, Moss Point 

Laci Pittman, Clinton 

Hoyet Pitts, Tupelo 

Anne Pitts-Falk, Jackson 

Ronnie Plummer, Gulfport 

Anna Lynn Poitevin, Jackson 

Sharon Pompelia, Meridian 

Barbara Pope, Columbus 

Elizabeth Pope, Biloxi 

James Pope, Columbus 

Constance Portas, Gautier 

Cyndi Porter, Southaven 

Frances Praytor, Jackson 

Karen Preston-Morf, Oxford 

Ann Prewitt, Ridgeland 

Terrie Price, Ocean Springs 

Ken Primos, Ridgeland 

Virginia Primos, Jackson 

Stephanie Prisock-Nix, 

Ridgeland 

John Proctor, Jackson 

Lee Pruett, Greenwood 

Scott Purdy, Southaven 

William Putman, Grenada 

Lulu Pyron, Ridgeland 

Billie Quinn, Laurel 

Jason Quinn, Jackson 

Carol Rafferty, Bay Saint Louis 

Jocelyn Raimey, Hattiesburg 

Margaret Rainey, Jackson 

Suzanne Raley, Meridian 

Jennine Ramage, Southaven 

Charlene Ramey, Hattiesburg 

Carolyn Ramsey, Vicksburg 

Dero Ramsey, Starkville 

Doris Randall, Gulfport 

Patsy Randle, Starkville 

Joe Rankin, Brandon 

Joe Rankin, Jackson 

Karen Rasberry, Laurel 

Steve Ratcliff, Jackson 

Vicky Ratliff, Natchez 

Dorsey Ray, Indianola 

Fletcher Ray, Ridgeland 

Linda Ray, Clinton 

Wayne Ray, Brandon 

Barbara Rea, Meridian 

Rhonda Rea-Brown, Madison 

Christine Reaves, Ridgeland 

Faye Rector, Columbus 

David Redfield, Olive Branch 

Janice Reed, Tupelo 

Levell Reed, Meridian 

Tamara Reed, Greenville 

Trina Reeves, Biloxi 

Sharon Register, Hattiesburg 

Sheila Reynolds, Laurel 

Gina Rhett, Columbus 

Kathryn Rhett, Columbus 

Penelope Rhoads, 

Hattiesburg 

George Rhoden, Madison 

Janice Rhodes, Starkville 

Carolyn Richards, Hernando 

Penny Richardson, 

Philadelphia 

Sue Richardson, Vicksburg 

William Richardson, 

Long Beach 

Paula Ricks, Ridgeland 

Cindy Riemann, Gulfport 

Steven Rife, Biloxi 

Rebecca Rigsby, Picayune 

Joyce Riley, Tupelo 

Thomas Ring, Vicksburg 

Phillip Rizzo, Cleveland 

Anne Roberts, Columbus 

Lynwood Roberts, Tupelo 

Reece Roberts, Biloxi 

Sherry Roberts, Germantown 

Carolyn Robertson, Columbus 

Cynthia Robertson, Clinton 

Cynthia Robertson, Jackson 

Ervin Robertson, Jackson 

Diane Robinson, Jackson 

Florence Robinson, Picayune 

John Robinson, Jackson 

Teresa Robinson, Madison 

Cynthia Rodwell, Gulfport 

Shirley Roe, Brandon 

Bennie Rogers, Laurel 

Lisa Rohman, Tupelo 

George Rosamond, Ridgeland 

Jean Rosamond, Jackson 

Fred Ross, Oxford 

Rhonda Rowzee, Laurel 

Theda Ruff, Madison 

Michele Rumbley, Madison 

Jean Rushing, Madison 

Von Rushing, Summit 

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 

Richard Sanders, Laurel 

Robert Sanders, Vicksburg 

Leah Sandidge, Clinton 

Wanda Sandlin, Southaven 

William Sartor, Ripley 

Sid Sasser, Brookhaven 

Charlotte Satcher, Laurel 

Robert Saucier, 

Diamondhead 

Betty Saxton, Madison 

Debra Scairono, Gulfport 

Patti Schankin, Gulfport 

Susan Schneeflock, Ridgeland 

Ed Schreiner, Southaven 

Heather Schreiner, Southaven 

Marjorie Schroeder, 


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 

Diane Senger, Southaven 

Denise Sexton, Gulfport 

Harley Seymour, Biloxi 

Shirley Seymour, Biloxi 

Claire Shackelford, Gulfport 

Pat Shannon, Madison 

Pamela Sharp, Meridian 

Marcus Sharpe, Madison 

H. Morgan Shaw, Starkville 

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 

James Sills, Madison 

Odis Simmons, Long Beach 

Sharon Simmons, Vicksburg 

Danny Sims, Crystal Springs 

Gary Sims, Hattiesburg 

Martha Sims, Laurel 

Debbie Sinopoli, Hattiesburg 

Dolly Skelton, Southaven 

Sylvia Skrmetta, Pass Christian 

Rose Slay, Brandon 

Alice Smith, Madison 

Betty Jo Smith, Vicksburg 

Bob Smith, Waveland 

Bob Smith, Hernando 

Connie Smith, Brookhaven 

Daphne Smith, Biloxi 

Dawn Smith, Picayune 

Diane Smith, Oxford 

Dorothy Smith, Jackson 

Ellen Smith, Jackson 

Elyse Smith, Tupelo 

Jacquelyn Smith, Natchez 

James Smith, Hattiesburg 

Jane Smith, Columbus 

Jill Smith, Brandon 

Johnny Smith, Meridian 

Lance Smith, Southaven 

Linda Smith, Tupelo 

Linda Smith, Brookhaven 

Malese Smith, Biloxi 

Phyllis Smith, Jackson 

Quinton Smith, Picayune 

Ray Smith, Summit 

Ron Smith, Tupelo 

Ronald Smith, Columbus 

Ronald Smith, Picayune 

Shane Smith, Biloxi 

Stacy Smith, Bay Saint Louis 

Susan Smith, Ocean Springs 

Susan Smith, Hattiesburg 

Thomas Smith, Madison 

Stacie Smith-Michel, 

Hattiesburg 

Leigh Ann Snell, Starkville 

Cleo South, Natchez 

Scott Sparkman, Madison 

Gayla Spence, Oxford 

Allison Spencer, Southaven 

Karen Spencer, Grenada 

Woody Spiers, Picayune 

Marty Spitzer, Columbus 

Barbara Staehle, 


Stephen Stamboulieh, 

Ridgeland 

Linda Starns, Ridgeland 

Kay Staten, Grenada 

Shelia Staten, Hattiesburg 

Anna Stedman, Natchez 

Doe Steely, Ridgeland 

David Stephenson, Meridian 

Leslie Stephenson, Jackson 

Annette Stevenson, Jackson 

Barbara Stewart, Gulfport 

Janie Stewart, Ridgeland 

Nancy Stewart, Hattiesburg 

Perry Stewart, Hattiesburg 

Venelia Stewart, Pass Christian 

Bobbie Stinson, Ridgeland 

Rob Stockett, Madison 

Kay Stockstill, Tylertown 

Debbie Stokes, Senatobia 

Dwayne Stone, Columbus 

Fay Stone, Greenville 

Debbie Stovall, Pass Christian 

Douglas Stovall, Gulfport 

Linda Stribling, Ridgeland 

Frances Stricklin, Ridgeland 

Raymond Stronsky, Gulfport 

Annette Stroupe, Senatobia 

Martha Strum, Gautier 

Becky Stuart, Hattiesburg 

Cristy Stuart, Meridian 

Faith Stuart, Ridgeland 

Roger Sturdivant, Clinton 

Susan Sunderland, Gulfport 

Richard Sutherland, 

Pascagoula 

Jane Swain, Jackson 

Kris Swartzendruber, 

Diamondhead 

Jay Swindle, Madison 

Bobby Tadlock, Brandon 

Kutenia Tate, Jackson 

Debra Tatum, Ocean Springs 

Ronald Tatum, Vicksburg 

David Taylor, Cleveland 

Dottie Taylor, Grenada 

Marsha Taylor, Holly Springs 

Tim Taylor, Water Valley 

John Teel, Ridgeland 

Annette Terry, Biloxi 

Irlene Terry, Jackson 

Sam Testa, Oxford 

Rita Tetzlaff, Picayune 

Cynthia Thigpen, Picayune 

Gerald Thomas, Brandon 

Ricardo Thomas, Gulfport 

Leland Thomas III, Carriere 

Henrietta Thompson, 

Southaven 

Molly Thompson, Tupelo 

Rick Thompson, Southaven 

Sandra Thompson, Oxford 

Brian Thornhill, Greenwood 

Don Thrash, Meridian 

Jerry Thurman, Laurel 

Carolyn Tiblier, Gulfport 

John Todd, Tougaloo 

Mark Tolar, Picayune 

Charles Tomasello, Gulfport 

Glenn Trotter, Purvis 

Jeanne Trotter, Hattiesburg 

Cameron Tucker, Southaven 

Glenda Tucker, Ridgeland 

J. Mark Tucker, Laurel 

Tracy Tucker, Meridian 

Ann Tumlinson, Jackson 

Katrina Turk, Hattiesburg 

Barbara Turner, Tupelo 

Chris Turner, Meridian 

Cydney Turner, Tupelo 

Ann Tyner, Madison 

Charlotte Tyner, Jackson 

Sarah Uhl, Biloxi 

Andrea Upchurch, Vicksburg 

Ginger Upchurch, Vicksburg 

Jack Ussery, Southaven 

Judy Uzzle, Vicksburg 

Cathy Valdes, Starkville 

Charles Vance, Brandon 

Star Varnell, Vicksburg 

Jodie Vaughn, Brandon 

Sandra Vaughn, Laurel 

Lynda Viguerie, Hattiesburg 

Thomas Vlasic, Ocean Springs 

Brenda Wade, Jackson 

Lynn Wade, Biloxi 

Ruth Wadley, Ridgeland 

Raymond Waggoner, Biloxi 

Sissy Wagner, Jackson 

Brenda Waldrop, Columbus 

Barbara Walker, Vicksburg 

Carolyn Walker, Vicksburg 

Deborah Walker, Jackson 

George Walker, Madison 

Joseph Walker, Laurel 

Mary Walker, Ridgeland 

Victoria Walker, Madison 

Diane Wallace, Vicksburg 

Scarlett Wallace, Starkville 

Debbie Walley, Laurel 

Ron Walton, Meridian 

Donald Ward, Laurel 

Robert Ward, Jackson 

Sandra Ward, Columbus 

Steve Ward, Amory 

Vickey Ward, Jackson 

Melissa Warren, Gulfport 

Regina Warren, Gulfport 

Rob Warren, Jackson 

Linda Waters, Meridian 

Adam Watkins, Hattiesburg 

April Watkins, Corinth 

Karla Watkins, Jackson 

LuAnn Watkins, Picayune 

Nan Watkins, Meridian 

Dorothy Watson, Starkville 

Lynn Weathersby, Brandon 

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 

Zeno Wells, Gulfport 

Jane West, Biloxi 

Clarice Westmoreland, Tupelo 

Bart White, Baldwyn 

Donald White, Jackson 

Jere White, Tupelo 

Jonell White, Brandon 

Katy White, Jackson 

Lisa White, Jackson 

Rebecca White, Southaven 

Nathan Whitehead, Brandon 

Dianne Whitfield, Oxford 

Patricia Whitfield, Picayune 

Brian Whitton, Clinton 

William Wicht, Gulfport 

Natalie Wiggins, Hattiesburg 

R.J. Wilbanks, Southaven 

Shirley Wilbanks, Columbus 

Chestene Wiley, Jackson 

Melinda Wilkinson, Jackson 

Calvin Williams, Starkville 

Cherry Williams, Columbus 

Gregory Williams, 

Ocean Springs 

Hilbert Williams, Columbus 

JoAnn Williams, Meridian 

Kris Williams, Hattiesburg 

Leslie Williams, Gulfport 

Robert Williams, Corinth 

Shane Williams, West Point 

Susan Williams, Starkville 

Tina Williams, Meridian 

Wayne Williams, Madison 

Parish Williamson, 

Philadelphia 

Rosa Willis, Southaven 

Todd Willis, Southaven 

Betty Jo Wilson, Greenville 

Helen Wilson, Clinton 

Jimmy Wilson, Clinton 

Mary Wilson, Oxford 

Nancy Windham, Jackson 

Sandra Winsett, Moss Point 

Terri Wissel, Ridgeland 

Teri Wolfert, Moss Point 

Norlene Wolford, Columbus 

Betty Womack, Tupelo 

Glade Woods, Picayune 

Jo Woods, Picayune 

Margaret Woodson, Picayune 

Elizabeth Woodward, Madison 

Marcia Wright, Pearl 

Sandra Wright, Hattiesburg 

Sherrell Wright, Vicksburg 

Karla Wroten, Hattiesburg 

Sybil Wroten, Natchez 

Tabitha Wroten, Natchez 

George Wyatt, Ridgeland 

Edward Yarnell, Gulfport 

Ruby Yates, Jackson 

Gingia Yerger, Jackson 

Robert Yonkers, Jackson 

Joe Young, Tupelo 

Martha Young, Meridian 

Stephanie Young, Oxford 

Vincent Young, Columbus 


REALTOR ® 

RESOURCES 

INFORMATION 

CENTRAL 

MAR Affinity Partners 

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 

GIS Mapping and Demographic 

Services through MAR 

kdobbins@msrealtors.org 

800-747-1103 

Demographic maps and location-specific data including: 

• Site Map 

• Population Maps 

• Median Household Income Map 

• Total Households Map 

Data reports delivered to you via e-mail. 

Hallmark Imports 

www.hallmarktoyota.com or 

www.hallmarkbmw.com 

601-899-7231; 800-898-0785 

(Ken Cariglio or Andy Anderson) 

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 


MAROnline 


• 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. 

2004 Executive Committee 

Bruce Kammer, CRS, President 

bruce@msrealtors.org, 601-798-7942 

Nancy Lane, CCIM, President-Elect 

nancylaneccim@earthlink.net, 601-362-7887 

Pam Beard, CRB, CRS, GRI, First Vice 

President/Central District 

pambeard@brokersouthgmac.com 

601-638-4505 

Don Halle, Southern District Vice President 

donhalle@donhalle.com, 228-896-4859 

Al Brock, Northern District Vice President 

albrock@remax.net, 662-378-3321 

Chris Wilson, Secretary-Treasurer 

chris@msrealtors.org, 601-649-1030 

Ellen Short, ABR, GRI, Immediate Past President 

ellen@msrealtors.org, 662-842-8283 

Lynette Magee, GRI, Member Ex Officio 

lynette@msrealtors.org, 662-349-5550 

Staff Directory 

R. Scott Brunner, CAE, Executive Vice President 

rscottbrun@aol.com, ext. 12 

Jo Usry, Vice President of Professional 

Development, jusry@msrealtors.org, ext. 14 

William Fulton, Vice President of Operations 

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 

Dane Skirtech, Director of Information 

Technology, dane@msrealtors.org, ext. 24 

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 

Brenda Beasley, Executive Assistant & 

Facility Manager 

bbeasley@msrealtors.org, ext. 23 

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. 10 

Amy Thomas, Pre-Licensing Course Advisor 

athomas@msrealtors.org, ext. 46 

Kay Ciarletta, Public Policy Assistant 

kciarletta@msrealtors.org, ext.16 

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 


Referral Advertising 

E-mail:brandon@tlbrownproperties.com 


Referral Advertising 


THE LAST WORD 

BY SCOTT BRUNNER © 

The Internet, Floyd Cramer…and me 

How technology fueled my (first) mid-life crisis 

Idon’t really know what possessed me, there on 

the cusp of my fortieth birthday, to develop an 

addiction. 

Nostalgia, probably – that wistful yearning for 

my spent youth, for days when prospects had been 

as abundant as hairs on my head (an unfortunate 

simile, under the circumstances). 

It is a rite of passage that at 40 – 

upon realizing that this ride may well 

be half-done, statistically speaking – 

we guys go both vain and melancholy, 

begin to suck in our guts 

and trim our ears and pine 

away for those irrecoverable 

feelings of our pre-marriage, 

pre-mortgage, prekidney-stone 

adolescence. 

It’s enough to make a 

fellow a little crazy for a little 

while, drives him to do foolish 

things – a new car or a new job or a 

new wife, or even…a habit-forming 

pastime. 

Which brings me back to…well, me…and my 

internet addiction. 

I know what you’re thinking: Pornography. 

Websites with names like Lady Eve’s Feet.com. 

Cleverly disguised monthly charges to the 

MasterCard. Online purchases of Viagra and libidoenhancing 

herbs. Well get your mind out of the gutter. 

You won’t find any of that stuff on iTunes.com, 

the habit-forming, deceptively inexpensive music 

website that saw me through my first mid-life crisis. 

At iTunes.com one can download his youth to 

the tune of 99-cents-a-song. Needless to say, it’s 

downright amazing how quickly one can run up a tab. 

It started innocently enough: I’m fiddling one 

evening with my new laptop, a Macintosh 

PowerBook G4; I click on an icon that looks like a 

music note, and voila! There I am, listening to a 

beastly group, the Beastie Boys, singing a beastly song 

– I use the term loosely – called Ch-Check It Out. 

Undaunted, I began to explore, 

and within seconds…Nirvana! 

And not the band Nirvana, mind 

you. I’m talking real music: Floyd 

Cramer, originator of the “Nashville 

sound,” plugging away on that greatest of 

his songs, Last Date – from The Essential 

Floyd Cramer, the album on which my father 

wore out many a needle playing again and 

again in the early 1970s. 

Suddenly, I’m a kid again, and 

searching for more: Top of the World by 

The Carpenters. B. J. Thomas and 

Raindrops Keep Falling on My Head. Glen 

Campbell with Rhinestone Cowboy. Mac 

Davis singing the 

one that to this 

day makes my 

mother cry: 

W atchin’ 

Scotty Grow. 

Merle Haggard wailing, 

“Daddy Frank 

played the guitar and 

the French harp….” 

Barry Manilow, writing 

the songs that make the 

whole world sing. The 

Captain & Tenille and 

Love Will Keep Us 

Together. And my personal, 

all-time favorite, 

Marty Robbins, “Out in 

the West Texas town of 

El Paso, I fell in love 

with a Mexican girl…” 

It had to be the sappiest, 

happiest musical 

evening I’d spent in 

years – demonstrating 

once again the power of 

nostalgia to make the 

ridiculous – in this case, those kitschy songs – seem 

sublime, if only for a moment 

Seventy-five dollars in charges and a stern 

rebuke from my wife later (who, I should point out, 

did ask me to download Kung Fu Fighting and No 

Parking on the Dance Floor especially for her), my 

melancholy was gone and a new addiction born of 

the confluence of nostalgia and technology, and 

enabled by MasterCard. 

Like they say on those commercials: Priceless. n 

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. 

Proudly Support the 

NORTHWEST MISSISSIPPI ASSOCIATION 

OF REALTORS ® 

Call us for all of your clients’ 

Real Estate Closing Needs 

(662) 536-5656 

www.stroudandharper.com 


26 / MISSISSIPPI REAL ESTATE LEADER / Spring 2004

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