AgGeorgia Farm Credit

Autumn 2012Inside:Georgia Peanut Commission HoldsRibbon Cutting and Open House forNew HeadquartersAnnual Stockholder Meeting HeldAgriculture in the Next DecadeProperty for Sale Listings

Lending supportLeaderis published quarterly for stockholders, directorsand friends of AgGeorgia Farm Credit.to rural America 800.868.6404With more than 95 years ofexperience, no one has worked harderat financing the needs of agricultureand rural America. Why not have thatsame experience work for you? Call us.We’re the experts.Financing provided for:• Land• Equipment Purchases• Operating Expenses• Poultry• Equine & Livestock• Recreational Property• Timber & Turfwww.aggeorgia.comPresidentJack C. Drew, Jr.BOARD OF DIRECTORSGerald D. AndrewsJohn W. Bagwell, Jr.Edward M. Beckham IIJack W. Bentley, Jr.William L. BrownJames B. CarltonBilly J. ClaryDan N. CrumptonGuy A. DaughtreyJ.E. “Bud” JonesHoward LawsonRonney S. LedfordJoseph M. MeeksRobert G. (Bobby) MillerRichard David (Dave) NeffJ. Dan Raines, Jr.George R. ReevesAnne G. SiskDavid H. SmithJ.T. Woodard, Sr.Franklin B. WrightEDITOR & MARKETING MANAGERMary KileyPUblisherAgFirst Farm Credit BankPublishing DIRECTOrAmanda WagaskydesignersAthina EargleDarren HillAmanda SimpsonTravis TaylorPRINTERSpectra True ColourCirculationKathi DeFlorioAddress changes, questions, comments orrequests for copies of our financial reportsshould be directed to AgGeorgia Farm Credit bywriting P.O. Box 1820, Perry, GA 31069 or calling800-868-6404. Our quarterly financial report canalso be obtained on our website:www.aggeorgia.comEmail: mkiley@aggeorgia.com.AgGeorgia.2.Autumn 2012

Table of ContentsThe Georgia Peanut Commission(GPC) board of directors concludedthe commission’s 50th anniversaryby holding the official ribbon cuttingceremony and open house at the newheadquarters in Tifton, Ga., on July 31.The new headquarters is located off ofInterstate 75 in Tifton at exit 63B. ...Page 4“They’re not going to make any moreland.” Roy Malone frequently heardthis nugget of wisdom from his father,A.C. Malone, Sr. He has passed it alongthrough the years to his children andgrandchildren as he has admonished themto care for the land of their inheritance.A farmer and caretaker of the landfor well over seven decades, today at 91 ...Page 64 Georgia Peanut CommissionHolds Ribbon Cuttingand Open House forNew Headquarters6 A Caretaker of the Land9 Frequently Asked Questionsabout Farm Credit9 Help Grow Your Farm Future10 Your Good Credit—Understanding YourCredit Report12 Hunters Encouraged toReview Tree Stand Safety Tips14 Delightful Holiday Desserts16 Association News17 Annual StockholderMeetings Held18 Agriculture in the Next Decade20 Property for SaleIt is not often one gets to return to theiralma mater to be part of a distinguishedpanel to address the future of agricultureand rural America. Cornell University, inIthaca, New York, overlooking CayugaLake, one of the Finger Lakes, was thebackdrop for this production. I spentthree years and six months here earningmy master’s and doctorate degrees. ...Page 18AgGeorgia.3.Autumn 2012

Georgia Peanut Commission Holds Ribbon Cuttingand Open House for New HeadquartersThe Georgia Peanut Commission (GPC)board of directors concluded the commission’s50th anniversary by holding the official ribboncutting ceremony and open house at the newheadquarters in Tifton, Ga., on July 31. Thenew headquarters is located off Interstate 75in Tifton at exit 63B.“We are proud of the new energyefficient headquarters and the opportunitiesthat exist to promote peanuts to millions ofconsumers traveling through Georgia,” saysDonald Chase, GPC Building Committeechairman and peanut farmer from Oglethorpe,Ga. “The principles of forward thinking in thedesign of the new headquarters is a testamentto the forward thinking of farmers in thepeanut industry here in Georgia.”The new headquarters, designed byCadmus Design-Build, will be the firstnet-zero energy building for state governmentin Georgia. Cadmus Design-Build providesarchitectural design and constructionmanagement in the Master Builder traditiontowards net-zero energy, environmentalsustainability and economic feasibility goals.These high performance standards are metthrough a holistic approach to energy andwater efficiency, conservation, environmentalimpacts and waste management as part ofdesign, development, construction andongoing building maintenance and operations.The new headquarters was designedand built to meet criteria for LEEDCertification at a Platinum Level with acombination of systems which providesynergies that result in enhanced performanceoverall. The site selection, development,building placement, design,engineering and orientation all contributeto low-impact and high performance results.Beyond building to LEED Certificationstandards, the new headquarters has fullyintegrated alternative/renewable energysystems that enhance performance capabilitiestowards the near- and net-zero energy goals.The new building’s integrated systemsinclude both passive and active geothermalsystems, passive solar architectural design andengineering, solar photovoltaic systems, solarthermal systems, natural/daylight harvestingsystems, rain and condensate harvesting,Georgia Commissioner of Agriculture Gary Black and Georgia Farm Bureau President Zippy Duvall, joins the Georgia Peanut Commission board members forthe ribbon cutting at the new building.AgGeorgia.4.Autumn 2012

“Not only does this building represent a huge commitment andachievement from Georgia’s peanut farmers, but it will serve as anachievement for the entire peanut and agricultural industry in Georgia.”—Don Koehler, Georgia Peanut Commission executive directorand so many other materials and methodologiesthat all contribute to the CadmusDesign-Build mission of “Building a BetterEnvironment.”During the ceremony Debbie Cannonwith U.S. Sen. Saxby Chambliss’ officepresented a U.S. flag flown over theU.S. Capitol in honor of the GPC’s 50thanniversary. Congressman Austin Scottcommended the GPC on an excellent job andstated that he looks forward to continuing torepresent them in Congress.Commissioner of Agriculture Gary Blackalso presented Georgia Grown products to theGPC and stated that the department is havinga Georgia state flag flown over the GeorgiaState Capitol in honor of the GPC. The GPCwas presented with congressional records ontheir 50th anniversary from Sen. Chambliss,Sen. Johnny Isakson, Congressman Scott andCongressman Sanford Bishop.“The commission is proud of the fact thatwe have used local contractors and businessesin the construction of the new headquarterswhich has helped strengthen the economyin the south Georgia area,” says ArmondMorris, GPC chairman and peanut farmerfrom Ocilla, Ga. “The new headquarters willassist the commission in fulfilling its missionof educating consumers and telling the peanutfarmers’ story.”During the ceremony Don Koehler,GPC executive director, noted thatthe new facility lacks only one thing,“We’re absent of a mortgage becauseit’s paid for.” He also said the cost ofthe building was $87 per square foot.“Not only does this building represent ahuge commitment and achievement fromGeorgia’s peanut farmers, but it will serveas an achievement for the entire peanut andagricultural industry in Georgia,” Chase says.“We have had numerous partners throughoutthe industry that have seen the value of thenew headquarters and educating consumersabout agriculture.”The new headquarters has beenmade possible through sponsorships and acommemorative brick and bench program.The sponsors include:Platinum levelKelley Manufacturing Co.www.kelleymfg.comLewis M. Carter Manufacturingwww.lmcarter.comGold levelAmerican Peanut Shellers Associationwww.peanut-shellers.orgBirdsong Peanutswww.birdsong-peanuts.comToto, USA, Inc.www.totousa.comThe FlintCo Family of Companies•Albany Tractor Company•Flint Equipment Company•Flint Power Systemswww.albanytractor.comSilver levelFarm Creditwww.aggeorgia.comLasseter Equipment Grouphttp://lassetereq.agandturfdealer.com/dwp/location/lasseter-implement-company-douglasSunSouthwww.sunsouth.comNumerous farmers, organizationsand businesses have all contributed tothe building program by sponsoringa commemorative brick or bench.For more information on the GPC buildingproject, visit www.gapeanuts.com. zAgGeorgia.5.Autumn 2012

A Caretaker of the LandBy Mary Kiley“They’re not going to make any more land.”Roy Malone frequently heard this nuggetof wisdom from his father, A.C. Malone, Sr.He has passed it along through the years tohis children and grandchildren as he hasadmonished them to care for the land of theirinheritance.A farmer and caretaker of the land forwell over seven decades, today at 91 Roystill takes pleasure in walking in his woods,marking the timber for harvest and planningfor the future of his family’s farm.“My grandfather moved to LaurensCounty from Jasper County when my papawas about 14, back in the late 1800s. He sawhow poor land management had erodedaway the topsoil. He learned something fromthat, and he taught my papa about takingcare of the land. My papa taught me,” saysRoy. The lesson on land stewardship hasresulted in numerous accolades for Roy andhis Goose Hollow Farm. Among his awardsand recognitions he was selected as “Manof the Year” in conservation for LaurensCounty in 1962, recognized as an outstandingforest landowner by the Georgia ForestryCommission and received the OutstandingForest Stewardship award in 1995.Roy’s dad was a farmer in the 1920swhen Roy was born; he and his siblings wereraised with a strong work ethic as they livedthrough the depression of the 1930s. Royremembers picking cotton for neighbors fromdaylight until dark. He had four jobs as hecompleted two years of college at AbrahamBaldwin Agricultural College in Tifton, wherehe received his degree in 1941.After graduation he told his dad that hewanted to farm. His dad sold him 50 acres ofland and told him he would record the deedwhen Roy had paid off the land. To earnmoney to pay the debt Roy caught a bus forLos Angeles, where his brother was workingat Lockheed and got a job there.Wanting to fly, Roy then joined theArmy Air Corps and was sent to Texas forflight training. Then it was on to Meridian,Miss., for more training. By December ofTop of page, Roy and Sarah Malone have a love for the land they and their family have lived on and farmed for more than 70 years.Below, Lt. Colonel Malone’s collection of World War II memorabilia includes the Longines-Wittnauer clock from his P-51 Mustang Fighter plane, “The GeorgiaRebel” and the flight log book he used in the Pacific theater.AgGeorgia.6.Autumn 2012

“[My grandfather] saw how poor land management had erodedaway the topsoil. He learned something from that, and he taughtmy papa about taking care of the land. My papa taught me.”1944, he was headed to the Pacific where heflew 65 combat missions in a P-51 Mustang.He didn’t think much about the dangers ofbeing a fighter pilot during wartime, but afterreturning from the missions the pilots weregiven a couple of ounces of liquor for theirnerves. Since Roy didn’t drink he stashed theliquor in a bottle and eventually traded it toan infantryman for a Japanese sword, whichhe still has in his collection of memorabiliafrom the war.Life was rough in the Pacific duringWorld War II. Meals were mostly K-rations.One Christmas, Roy was hoping for a goodmeal for the holiday; when he went to themess hall for dinner he says, “They put abunch of peas on my plate with some bread,grits and syrup.” That was Christmas dinner.He and his fellow pilots lived in tents. “Wedug fox holes next to our tents in case of anair raid,” says Roy. “We had to be ready togo on missions at any notice and never gotany time off.”After the war Roy took his separationpay and bought more land to farm. Hecame home to Georgia, graduated fromthe University of Georgia with a degree inagriculture, married Sarah Weaver, starteda family and farmed. And he stayed in theAir Force Reserves until his retirement as aLt. Colonel after nearly 30 years of service.Roy Malone has seen many changes infarming throughout his career and he hasbeen instrumental in making some of thosechanges. Included in his resume are:ŪŪPast Chairman of the Hampton MillsCommunity Agricultural Stabilizationand Conservation Committee, 1963and 1965ŪŪPast Chairman and member of the Boardof Directors of the Georgia, Florida andAlabama Peanut AssociationŪŪPast Member of the Georgia CommodityCommission for Peanut Advisory BoardŪŪPast Vice President and member ofthe board of the Mutual ProductionCredit AssociationŪŪPast Member of the board of SouthAtlantic Production Credit AssociationŪŪPast Vice President and boardmember of the Dublin Federal LandBank AssociationŪŪPast Member of the Agriculture, SmallBusiness and Labor Advisory Councilto the Federal Reserve Board of AtlantaŪŪMember of Positioning Agriculture forRural Economic Advantage through theUGA Cooperative Extension Servicein 2000ŪŪCertified Forest StewardHis awards and tributes are too many tomention. But they all honor a remarkable manwho has lived his lifetime dream of being agood farmer and steward of the land.Today, Roy and Sarah’s son James doesmost of the farming on the 2,000-acre farm.Their other children, Pam Mullis and GailPoole, have other interests. Son, Pat, passedaway several years ago. Roy and SarahMalone hope that someday one of their 13grandchildren or 19 great-grandchildren willcontinue farming and conserving the land ofmiddle Georgia. zRoy Malone with the Japanese sword that ispart of his vast collection of memorabilia fromWorld War II.AgGeorgia.7.Autumn 2012

Experts in Ag Lending.Meet our Cartersville and Rome staff—Branch Manager Hal Ragan andhis staff work hard to make sure our members receive the newest loanproducts available on the market, keep your interest rates low, keepyour patronage program strong and provide you with service beyondcompare. Call or come by the Cartersville or Rome branch office, andlet us show you what our experience and knowledge can do for you.We’ve got you covered—Equipment Loans, Land, Operating Expenses.Call us today!From the left, Giselle Thach, Lenee Evers, Susan Jones, Ernie Ghee, Heather Collum,Helen Hunter and Hal Raganwww.aggeorgia.com1300 East Main StreetCartersville, Ga.770.382.3637701 East 2nd AvenueRome, Ga.706.291.6340

Frequently Asked Questionsabout Farm CreditWhat is Farm Credit?The Farm Credit System is a federallychartered network of borrower-ownedlending institutions and related serviceorganizations, exclusively dedicated tosupporting agriculture and rural communities.We serve nearly 500,000 memberborrowersnationwide and provide morethan $170 billion in loans to farmers, ranchers,rural homeowners, aquatic producers,timber harvesters, agribusinesses, as wellas agricultural and rural utility cooperatives.A government-sponsored enterprise(GSE) established by Congress in 1916, theSystem provides more than one-third of thecredit used by those who live and work inrural America.How is Farm Credit differentfrom other lenders?Farm Credit’s cooperative structure meansthat member-borrowers have a say in howFarm Credit does business. Borrowers owntheir local Farm Credit associations andelect its board members. In accordance withcooperative principles, Farm Credit banksand associations often distribute a portionof their earnings to member-borrowers inthe form of patronage refunds.For nearly 100 years, Farm Credit hasbeen solely dedicated to helping farmers,ranchers and rural communities. Customersknow they can depend on Farm Credit’sexpertise and commitment in good timesand bad.The System’s size, structure and performancehave earned worldwide support ofinvestors who continue to finance U.S.agriculture and rural America by purchasingSystemwide Debt Securities.What is a GSE?The term Government Sponsored Enterprise,or GSE, refers to a financial serviceorganization created by the U.S. Congressto enhance the flow of credit to targetedsectors of the economy. The Farm CreditSystem was created in 1916 to provide astable and reliable source of debt capital forthe nation’s agriculture system and ruralAmerica. Congress provided seed moneyto help the System get started. The Systemrepaid all government capital by 1968, andtoday operates without any financial supportfrom the federal government.Fannie Mae, Freddie Mac and theFederal Home Loan Bank System are alsoGovernment Sponsored Enterprises.As a GSE, the System is regulated by theFarm Credit Administration, an independentfederal agency. Members of Farm CreditAdministration’s Board are appointed by thePresident with the advice and consent of theSenate. Having GSE status helps the FarmCredit System ensure that rural America hassteady access to competitively priced fundsthat are necessary to finance growth andmaintain the quality of life in rural communitiesand on the farm. zHelp Grow Your Farm FutureBeginning January 2013, America’s farmersand ranchers will have the opportunity tomake a positive impact on their communitiesby taking part in the Census ofAgriculture. Conducted every five yearsby USDA’s National Agricultural StatisticsService (NASS), the Census captures acomplete count of all U.S. farms, ranchesand those who operate them.Census data are used by all thosewho serve farmers and rural communitiesfrom federal, state and local governmentsto agribusinesses and trade associations.Companies and cooperatives use the informationto determine the locations of facilitiesthat will serve agricultural producers. Legislatorsuse the information when shapingfarm policies and programs. And, of course,members of farm organizations use Censusdata to help make informed decisions aboutthe future of their operations.As preparations continue for the 2012Census of Agriculture, we call on farmersand ranchers to share their stories, askquestions and talk to their fellow producersabout this critical effort. Your answers tothe Census help grow your farm future;shape farm programs; and boost servicesfor you, your community and your industry.NASS will mail out Census forms inlate December, and responses are due byFebruary 4th, 2013. Producers also have theoption to complete their forms online. Afterall, the Census is your voice, your future andyour responsibility. For more informationabout the Census, visit www.agcensus.usda.gov or call 1-800-4AG-STAT (1-888-424-7828). The Census of Agriculture is yourvoice, your future, your responsibility. zUSDA is an equal opportunity provider and employer.To file a complaint of discrimination, write: USDA,Office of the Assistant Secretary for Civil Rights,Office of Adjudication, 1400 Independence Ave., SW,Washington, DC 20250-9410 or call (866) 632-9992(Toll-free Customer Service), (800) 877-8339 (Localor Federal relay), (866) 377-8642 (Relay voice users).AgGeorgia.9.Autumn 2012

Your Good CreditUnderstanding Your Credit ReportBy A. Michael Rupured, UGA Extension Consumer Economics SpecialistWhat do you do when someone asks toborrow money or a personal item from you?Your decision about whether or not to lendwill likely be based upon your perception ofthat individual’s character, his or her capacityto pay you back, any collateral offered inexchange, perhaps your knowledge of capitalthey hold in reserve, and conditions— thesituation they are in and the cost to you. Wecall these factors the Five C’s of credit.Lenders and other entities rely uponthese same factors when making decisionsabout whether to do business with consumersand businesses. Instead of gut reactions andinformal agreements, the world of credit reliesupon formal agreements that are regulated bythe federal government. Federal law determinesthe information that can and cannotbe used by lenders, employers, and others tomake decisions about doing business withyou. When you complete an application toapply for a loan, lenders cannot ask aboutyour age, religion, race and other factors thathave nothing to do with your ability to repaythe loan. Credit Reporting Agencies (CRAs)collect information about you from financialinstitutions, court documents, public records,companies with which you do business,your employers and other entities. CRAsmake money by charging for access to theinformation they have collected about youfor a wide variety of purposes including toverify information you provide on job andcredit applications.The CRA file about you is your creditreport. Your credit report documents the FiveC’s of credit as they relate to you and is thebasis for your credit score. Understandinghow your credit report is compiled and usedis essential for your long term economic wellbeingand overall financial security.In a 2005 Government AccountabilityOffice (GAO) survey, the average score ona knowledge test about credit reports andcredit scores given to consumers was just55 percent. Two-thirds of the respondentswere unable to correctly name any of themajor Credit Reporting Agencies (CRAs).An equal percentage did not know that credithistories could impact insurance premiumsand possibly even employment. Nearly threefourths(72%) did not know that CRAs investigateincorrect information on one’s creditreport for free. Lastly, more than half (52%)were not able to identify factors that affectedcredit, and nearly one-third (32%) did notknow the definition of credit score.Establishing, maintaining, andprotecting Your Good Credit can save youthousands of dollars over time and maymean the difference between you and yourcompetition for job opportunities. Federallaw (FACTA) allows all consumers toobtain one free credit report every year fromEACH of the three major CRAs (Equifax,Experian and TransUnion). You can requestyour first free copy from each CRA online(http://www.annualcreditreport.com) or tollfree (1.877.322.8228). Georgia residents areentitled to a second free credit report fromeach of the three major CRAs. To obtain yoursecond free copy you need to contact eachCRA individually. When you use the Internet,they may ask for a credit card number beforedetermining that you are a Georgia residentand eligible to receive a free copy. Providinga credit card number is not required whenyou call the toll free number for each CRA.Negative information in your report thatis accurate remains on the credit report forseven years; ten years in the case of Chapter 7bankruptcy. Positive information may remainon your report indefinitely, but is often purgedafter seven years. Negative information mayreappear at a later date if the obligation isstill outstanding.If your credit report contains inaccurateinformation, follow the instructions thatcame with the report for disputing errors.The CRA has 30 days to confirm receipt ofyour inquiry, and 60 days to investigate. Youmay need to contact the creditor reportinginaccurate information about you to clearup the problem. Once the problem hasbeen resolved, wait two or three monthsand request a copy of your credit report tomake sure the inaccurate information hasbeen removed.AgGeorgia.10.Autumn 2012

Understanding how your credit report is compiled and used is essentialfor your long term economic well-being and overall financial security.What’s on Your Credit Report?Personal Information including your name,current and previous addresses, current andprevious employers, your Social Securitynumber, your telephone number, and yourdate of birth are on your report. Age cannotbe used as a factor in employment or creditdecisions. Your date of birth is collected inmost cases to verify identity. Your creditreport does NOT include gender, ethnicity,religion, political affiliation, medical history,criminal records or your credit score. Credithistory includes information about creditaccounts that were opened in your name oraccounts for which you are an authorizeduser. Accounts may include retail credit cards,loans from a financial institution or financecompany, mortgages and home equity loans,and bank credit cards. It generally does NOTinclude information about your experiencewith checking or savings accounts.For each account, your credit fileincludes the creditor’s name, your accountnumber, how much you borrowed, how muchyou still owe, your credit limit, dates theaccounts were opened, updated, or closed, andyour repayment history. Repayment historycategories include: paid as agreed, 30 daysor more late, 60 days or more late, 90 days ormore late, and closed by lender due to default.Inquiries are recorded on your creditreport any time someone requests access toyour file. There are three types of inquiries.Consumer-initiated inquiries are the result ofyour application for credit, employment, orservice leading to a request from the businessfor your credit report so they can verify theinformation you provided on the application.There are also “Promotional Inquiries,” suchas when a credit card company is lookingfor consumers with a particular profile formarketing purposes, such as credit card offers.Finally, there are “Administrative and AccountManagement Inquiries” from businessesyou owe money to in order to verify thatyour financial situation and ability to repayhasn’t changed. Public Records include taxliens, bankruptcies and court judgments. Asnoted above, criminal records are NOT partof your credit file. CRAs can and do createspecific credit reports to meet the needs ofthe requesting entity.When you request a copy of your creditreport from one of the three major CRAs(Equifax, TransUnion and Experian), thecopy you receive includes everything so youcan verify the accuracy of the informationand address any errors. Requesting entitiesmay see all or part of that information, and insome cases, more. Information not includedas part of your credit file, such as educationverification, Department of Motor VehiclesTIP:record checks and criminal record checks, maybe combined with the report by entities thatspecialize in background checks. zFor more information, contact your local cooperativeextension office or visit www.gafamilies.com.The University of Georgia and Ft. Valley StateUniversity, the U.S. Department of Agricultureand counties of the state cooperating. CooperativeExtension, the University of Georgia College ofAgricultural and Environmental Sciences, offerseducational programs, assistance and materials toall people without regard to race, color, nationalorigin, age, gender or disability. An Equal OpportunityEmployer/Affirmative Action OrganizationCommitted to a Diverse Work Force.Obtain a copy of your credit report from all three CRAsbefore you apply for credit to finance a large purchase toensure that the information in your report is accurate and complete.To review your credit report more often, rotate through the CRAsto obtain a free credit report from each one every other month for atotal of six each year.Get your free credit report today. Visit www.annualcreditreport.com.AgGeorgia.11.Autumn 2012

Hunters Encouraged toReview Tree Stand Safety TipsThough commonly used by deer hunterseverywhere, tree stands often are improperlyinstalled. As a result, they are considered theleading cause of hunting-related incidents,according to the Georgia Department of NaturalResources’ Wildlife Resources Division.Not every tree stand is the same. Huntersshould be familiar with their particularmodel’s features. Following are recommendedsafety tips:ŪŪWhen using a non-climbing portable orladder stand, hunters should securelyfasten the stand to the tree and installladders or steps according to themanufacturer’s directions.ŪŪHunters should ALWAYS wear a Fall-Arrest System (FAS)/Full Body Harnessduring ascent and descent. Be aware thatsingle strap belts and chest harnesses areno longer recommended and should notbe used. Failure to use a FAS could resultin serious injury or death.ŪŪHunters should ALWAYS attach theirFAS in the manner described by themanufacturer. Failure to do so mayresult in suspension without the abilityto recover into the tree stand. Be awareof the hazards associated with full bodyharnesses and the fact that prolongedsuspension in a harness may also be fatal.ŪŪHave in place a plan for rescue, includingthe use of cell phones or signal devicesthat may be easily reached and usedwhile suspended. If rescue personnelcannot be notified, you must have analternate plan for recovery or escape. Ifyou have to hang suspended for a periodof time before help arrives, exercise yourlegs by pushing against the tree or doingany other form of continuous motion oruse your suspension relief device.ŪŪConsider your personal physicalcondition before going out. If you donot have the ability to recover or escapefrom a FAS, it is recommended that youhunt only from the ground.ŪŪHunters should ALWAYS use a haul lineto pull their gear and unloaded firearmor bow into their tree stand. Neverclimb with anything in your hands oron your back. Prior to descending, lowerequipment to the ground on the oppositeside of the tree.ŪŪStaying awake and alert is important.Hunters should avoid taking medicationsthat cause drowsiness prior tohunting. Also, never use alcohol or drugsbefore or while hunting.ŪŪHunters should always inform someoneof where they are hunting and what timethey expect to return. zFor more information on tree stands or huntingrelatedsafety, call 770-761-3010 or visitwww.georgiawildlife.com/hunting/education.AgGeorgia.12.Autumn 2012

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Delightful Holiday DessertsFamily Features, Source: ACH Foods Company, Inc.Celebrate the holiday season by giving familiar flavors a little bit ofwow. You can impress guests with these delightful desserts - that areactually easy to make.Sweet and tangy Cranberry Tarts, Premium Pecan Pie andluscious Individual Pumpkin Pies can be made with ingredients youprobably have on hand, like Fleischmann’s Yeast and Karo Syrup. Bakethem up ahead of time and you’ll have delightful treats ready for anyholiday celebration.Cranberry TartsRefrigerate Time: 2 to 24 hoursProof Time: 30 to 45 minutesBake Time: 12 to 15 minutesYield: Makes 12 tartsIngredients:3 1/2 to 4 cups all-purpose flour1/4 cup sugar1 envelope Fleischmann’s Active Dry or RapidRise Yeast1 teaspoon salt3/4 cup evaporated milk1/4 cup butter or margarine1/4 cup water2 eggsCranberry Filling (recipe follows)Powdered Sugar Icing, optional (recipe follows)Directions:Combine 1 1/2 cups flour, sugar, undissolved yeast and salt in alarge bowl.Heat milk, butter and water until very warm (120°F to 130°F).Gradually add to flour mixture; beat 2 minutes at medium speed ofelectric mixer, scraping bowl occasionally.Add eggs and 1/2 cup flour; beat 2 minutes at high speed, scrapingbowl occasionally. Stir in enough remaining flour to make stiff batter.Cover tightly with plastic wrap; refrigerate 2 to 24 hours.Remove from refrigerator. Punch dough down. Remove dough tolightly floured surface. Roll to 21 x 12-inch rectangle.Spread Cranberry Filling over dough to within 1/2 inch of edges.Fold crosswise in thirds, to enclose filling, making a 12 x 7-inch rectangle.Press edges to seal. Cut dough into 12 (1-inch) strips. Holding ends ofeach strip, twist three times. Pinch together ends of each twisted stripto form tarts; place on greased baking sheets. Cover; let rise in warm,draft-free place until almost doubled in size, about 30 to 45 minutes.Bake at 400°F for 12 to 15 minutes or until done, switching positionsof sheets halfway through baking time for even browning. Remove tartsfrom baking sheets; let cool on wire racks. Drizzle tarts with PowderedSugar Icing, if desired.Cranberry Filling:Combine 1 cup finely chopped cranberries, 1/2 cup sugar, and 1 1/2teaspoons grated orange peel in a medium saucepan; bring to boil overmedium heat. Reduce heat; simmer, stirring frequently, for 5 minutesor until very thick. Remove mixture from heat, and let cool.Powdered Sugar Frosting:Combine 1 cup powdered sugar, 4 to 5 teaspoons evaporated milk,and 1/2 teaspoon Spice Islands Pure Vanilla Extract in a bowl. Stiruntil smooth.For more holiday dessert recipesand baking inspiration, visitwww.breadworld.com andwww.karosyrup.com.AgGeorgia.14.Autumn 2012

Premium Pecan PiePrep Time: 20 minutesBake Time: 20 minutes for the pie shell and 50 to 55 minutes for the pieYield: One 9-inch pieIngredients:1 (9-inch) pie crust3 eggs (whole)2/3 cup Karo Dark Corn Syrup2/3 cup Karo Light Corn Syrup2/3 cup maple syrup1/4 teaspoon salt1 teaspoon Spice Islands Vanilla Extract1/4 cup unsalted butter, melted1/2 teaspoon all-purpose flour1 1/2 cups pecans (halves or pieces)Directions:Par-bake your favorite pie crust (either homemade or purchased) in a350°F oven for about 20 minutes or until it just barely starts to brown.Beat eggs on medium speed of electric mixer for about 30 seconds,until foamy. Add all syrups, salt and vanilla, and beat for about 1 minuteon medium speed until well combined.Add melted butter and flour.Place pecans in the par-baked pie crust and pour mixture overpecans. Bake at 350°F for 50 to 55 minutes.Individual Pumpkin PiesPrep Time: 10 minutesBake Time: 50 minutesCool Time: 1 hourYield: 18 servingsIngredients:1/2 cup sugar1/2 teaspoon salt2 teaspoons Spice Islands Pumpkin Pie Spice2 eggs1/2 cup Karo Light Corn Syrup1 can (15 ounces) pumpkin1 can (12 fluid ounces) evaporated milk18 baking cups size 2 1/2 inches18 vanilla wafersDirections:Mix sugar, salt and spice in a bowl. Add eggs and beat slightly. Stir incorn syrup, pumpkin and evaporated milk; blend well.Portion baking cups in muffin pans and place 1 vanilla wafer ineach. Fill each two-thirds full of pumpkin mixture.Bake at 300°F for 25 minutes, or until knife inserted in centercomes out clean. Cool in pans for 5 minutes; remove.Cool a minimum of 1 hour before serving. Garnish as desired.AgGeorgia.15.Autumn 2012

Association NewsMurray County Farm TourMurray County hosted visitors from severalstate public offices for a farm tour Sept. 20.There were several stops at different farmingoperations across the county and AgGeorgiaprovided lunch for everyone. The tour wasorganized to showcase cattle operations,poultry farms, dairy operations, and theAgricultural Facilities of Murray County.Chief guest for the tour was Georgia’sAgriculture Commissioner Gary Black andtwo of his representatives, Sydne Moody andMartin Sullivan. Also in Attendance wereState Representatives Tom Dickson, RickJasperse, and John Meadows. RepresentingCongressman Tom Graves on the tour washis Field Representative Travis Loudermilk.Zack Murphy, a loan officer in the ChatsworthBranch, along with many other residents of thecounty, attended the tour.Farm tours are an excellent way toshowcase farms across the state of Georgia;they allow face-to-face contact with representativesand the Commissioner of Agriculture.AgGeorgia’s Zack Murphy and GeorgiaAgriculture Commissioner Gary Black visitinga Layer Hen Farm on the Murray County FarmTour on Sept. 20.Notice of Annual Report AvailabilityThe 2012 Annual Report will be available on AgGeorgia Farm Credit’s website by March 15,2013, which is 75 days after the 2012 year end. To access the financial statements online, go toAgGeorgia Farm Credit’s website at www.aggeorgia.com and select the annual report link. Theprinted hard copy of the 2012 Annual Report will be mailed to Shareholders on or before March30, 2013, which is 90 days after the 2012 year end.New EmployeesHoliday ClosuresAll AgGeorgia offices will be closed:November 22-23 for ThanksgivingDecember 24-25 for ChristmasJanuary 1 for New Year’s DayRetirementChad Gasaway hasjoined AgGeorgiaFarm Credit as a specialassets manager in theGainesville administrativeoffice. Chadpreviously served asspecial assets officerfor a commercial bankin North Carolina. With more than 11 years oflending experience, he has worked in variouscapacities to include retail and commercialcredit, credit review and special assets. Agraduate of the University of Tennessee atChattanooga and with an MBA with a concentrationin Finance, AgGeorgia is pleased tohave Chad join our team.Morgan Adams hasjoined AgGeorgia FarmCredit as a loan officerin the Moultrie branchoffice. Originallyfrom Commerce, Ga.,Morgan is a graduateof the University ofGeorgia with a degreein AgBusiness. He says, “I am looking forwardto serving the agricultural financing needs offarmers and rural residents in the ColquittCounty area.” Join us in welcoming Morganto our team.Ann Perkins hasretired as branchoperations coordinatorafter 27 years of serviceto AgGeorgia FarmCredit. Ann beganher career in 1985 asan office assistant inWinder. Best wishes,Ann, for a long and happy retirement!AgGeorgia.16.Autumn 2012

Annual Stockholder Meetings HeldDirectors ElectedMr. Jack Bentley, Jr., Mr. Howard Lawsonand Mr. George R. Reeves were re-electedto the AgGeorgia board of directors at thestockholder meetings, held this past October.Jack W. Bentley, Jr., isfrom Wilkes County. Heis a dairy farmer and theowner/operator of A&JDairy. He is a graduateof Clemson University.Mr. Bentley presentlyserves on the board ofAgGeorgia Farm Credit, ACA, where he hasheld positions as Chairman, Vice Chairmanand Chairman of the association’s AuditCommittee and Compensation Committeealong with serving on various other boardcommittees; AgFirst Farm Credit Bank, wherehe serves on the Compensation Committeeand on the AgFirst Plan Sponsor Committee;American Dairy Association and SoutheastUnited Dairy Industry Association; WilkesCounty Farm Bureau, and Wilkes CountyBoard of Tax Assessors. He also serves on theAdvisory Committee of the Wilkes CountyYoung Farmers. He is a volunteer fireman withJ.E. Jones Announces Retirementthe Tignall Volunteer Fire Department. He isa member of Danburg Baptist Church wherehe serves as a deacon. He and his wife, Angie,have two sons, Will and his wife, Kimberly,and grandchildren, J.W. and Ellie, and Benand his wife, Casie Jo.Howard Lawson isfrom Brooks County.He is a semi-retiredfarmer and his operationconsists of cotton,pecans, peaches, pinesand miscellaneous rowcrops. He is a graduateof Emory Junior College. Mr. Lawson serveson the board of AgGeorgia Farm Credit, ACA,and on various board committees; BCT Ginand the Georgia. Agriculture CommodityCommission for Peaches. He is also a memberof Brooks County Farm Bureau where hehas served as president. He is a member ofthe Masons and Shriners where he servedas Master. He has served on the AdvisoryCommittee of the Citizens Community Bank.He is a member of Morven Baptist Church.He and his wife Nannie Beth live in Morven.Mr. J.E. (Bud) Jones, longtime AgGeorgiadirector, will be retiring from the board atthe end of this year.First elected to the board of directors ofthe Cordele Production Credit AssociationAgGeorgia Farm Credit Board ChairwomanAnne Sisk and CEO Jack Drew present a plaqueand resolution to Mr. J.E. Jones, honoring himfor his 31 years of service to Farm Credit.AgGeorgia Remembers Mr. Carroll CastleberryThe family of Mr. Carroll Castleberry waspresented with a plaque and resolutionhonoring the late director at the Carnesvillestockholder meeting.Mr. Castleberry was first elected tothe board of directors of the Federal LandBank Association of Gainesville in 1970.He continued to serve for the next 41 yearsGeorge R. Reeves isfrom McDuffie County.He is a farmer and hisoperation consists ofa cow-calf operation,hay and forestrymanagement. He is agraduate of the Universityof Georgia. Mr. Reeves serves on theboard of AgGeorgia Farm Credit, ACA, andon various board committees; the McDuffieCounty Farm Bureau; serves as Supervisor-Treasurer for the McDuffie County Soil &Water Conservation District and is a memberof the Little River Cattlemen’s Association.He is a member of the Georgia Farm Bureauand has served on the Advisory Committeeand was chairman of the McDuffie, Warren,Columbia, Richmond FSA committee. He is amember of the Thomson First Baptist Church.Mr. Reeves is a veteran, having served as anofficer in the US Army’s 3rd Infantry Divisionand later in the Georgia Army National Guard.He and his wife, Helga, have two sons, Randyand Michael.in 1981, Mr. Jones has continued to servethe stockholders as a director of the SouthGeorgia Production Credit Association andSouth Central Farm Credit, predecessors toAgGeorgia Farm Credit, ACA, through theensuing 31 years as a recognized agriculturalleader. The Association will miss Mr. Bud’sexpertise and experience and we wish himwell in his retirement.as director of North Georgia Farm Creditand AgGeorgia Farm Credit. His expertiseand experience in the farming industry andrecognition as a business leader made him aninvaluable asset to the board of directors andhis absence is felt by all who were privilegedto know him.AgGeorgia.17.Autumn 2012

Agriculture in the Next DecadeBy Dr. David M. KohlDr. Dave KohlIt is not often one gets to return to their almamater to be part of a distinguished panel toaddress the future of agriculture and ruralAmerica. Cornell University, in Ithaca, N.Y.,overlooking Cayuga Lake, one of the FingerLakes, was the backdrop for this production. Ispent three years and six months here earningmy master’s and doctorate degrees. I sharedthe panel with Dr. Kathryn Boor, Dean ofthe College of Agriculture and Life Sciences,and Mr. Chuck Connor, President and CEOof the National Council of Farmer Cooperatives.The panel was moderated by one of myformer classmates, Mr. Bill Lipinski, CEO ofFarm Credit East. Let us explore some of thethoughts and perspectives shared that day.The Agricultural MarketplaceFirst, the food, fiber, and fuel marketplacewill undergo more change in the next 10 yearsthan it has in the past 50. Local, natural andorganic agriculture will be a growing segmentof the market, particularly in the populationbelts of the eastern part of the United Statesextending into Canada, where nearly 40percent of the affluent population is located.Globally, the emerging marketplacewill present tremendous opportunitiesfor producers in the food, fiber and fuelbusinesses. The key will be to deliver productsto a global populace, in which 27 percent liveon less than a dollar per day and another 20percent live on less than two dollars perday. It was the consensus of the panel thatthe U.S. agricultural industry needs to morefully understand global emerging trends andthe needs of diverse cultures in regions withgrowing populations.Consumer RelationsThe panel was in agreement that more timewill be needed with government agenciesand the public sector going forward. With 85percent of Americans two generations awayfrom the farm, connecting with consumersconcerning market trends, and social andnatural resource issues needs to be a highpriority for any individual or group linkedto agriculture. Understanding the emotional“hot buttons” of the public and developingproactive, fact-based, educational responseprograms are going to be critical to garnersupport. More time will be spent across thespectrum with local, state, national, and internationalgovernment agencies and centersgiven these challenges. One must be engagedwith consumers and be an advocate for theagricultural industry.The panel was asked how risk in theagricultural industry has changed. Volatilityat the extremes in market dynamics, thatbeing cost, revenue, and bottom line net profit,was the most frequent response. Volatilitywill create more opportunity for success, butit also comes with more opportunity to fail.Success in AgricultureThis leads to the final issue of how one cansucceed in agriculture in the next 10 years.Regardless of the agricultural endeavor, beingassociated with the right people and havingeffective “people skills” will be essential.Networking with others and establishingcustomer advisory groups in the business willbe critical to connect with the marketplaceand people outside of agriculture. Internally,advisory groups can bring expertise and acritical eye to business strategies that ensurethe operation stays on course, ensuringa profitable, sustainable business and arewarding lifestyle.Preserving flexibility in businessstrategies and maintaining proper levelsof financial debt and working capital willassist in navigating through the downturnsof economic cycles. This will also allow thebusiness to “hit the ground running” whenopportunities arise on the other side of adownturn. These strategies apply regardlessof business size, enterprise or location.All the panelists were bullish on thenext decade for the agriculture industry andthe opportunities it will present, not onlyfor business, but for a lifestyle that can bea foundation for strong family values andeducation of our youth. zDavid Kohl received his M.S. and Ph.D.degrees in Agricultural Economics fromCornell University. For 25 years, Kohlwas Professor of Agricultural Finance andSmall Business Management and Entrepreneurshipin the Department of Agriculturaland Applied Economics at Virginia Tech,Blacksburg, Va. He was on special leavewith the Royal Bank of Canada working onadvanced initiatives for two years, and alsoassisted in the launch of the successful entrepreneurshipprogram at Cornell University.Kohl is Professor Emeritus in the AAECDepartment at Virginia Tech.AgGeorgia.18.Autumn 2012

You have real financial needs.We have real solutions.We’ve been serving young, beginning and small farmers for nearly100 years. We’re different and we’ll prove it.35 acres to sprayseed to buynew tractorirrigation systemsfertilizer to spreadbarn expansionworkers to payharvester to get repairedpickup trucksall-terrain vehiclestorage binsland to rent800-868-6404www.aggeorgia.com

Property for SaleProperties for sale are listed as a service to our readers. Information is furnished by real estate agents and individuals andAgGeorgia Farm Credit is not responsible for the accuracy of the listing contents. If you have property for sale in Georgia thatyou wish to list in the Leader magazine please contact Mary Kiley for details at mkiley@aggeorgia.com or 770/536-3660 ext 374.Appling CountyBen Hill Countydream with areas perfect for quail hunting, deer,turkey...you name it! 20-30 year old planted pinesperfect for future income, gorgeous oaks, good interiorroads. Gorgeous home with top of the line everything,huge rooms, fireplace in den, open floor plan, hugemaster suite, office and craft room, huge 50 X 30Barn and 20 X 20 heated and cooled shop. Can besubdivided and purchased with or without the home.Call Brenda DeLoach with Southern Traditions Realty229.507.0622.Timber with Rail Line. This 256 Acre tract is a greattimber investment tract located near Highway 341,North of Odum, GA. The tract has a good stand ofpine and is located along the railroad with nearly5,000 feet of frontage on the rail. This is perfect forthe “bio energy” entrepreneur. Contact Carter GroupReal Estate at (912) 530-9515, www.cartergroupland.com, or kyle@cartergroupland.comBanks CountyThis beautiful 2,900 sq.ft.2 story home sits on5 acres in Ben Hill County. This property is privacyin a country setting nestled in among pine trees. Largemaster suite down stairs with jetted tub, large closets,custom cabinets in Kitchen, carpet and tilefloors,french doors. So many amenities you just haveto see to appreciate. MLS # 120169 $ 159,900 Formore information call Judy Rood, Associate Broker/Realtor today 229-425-1443300 acres in Berrien County. Gorgeous riverfrontproperty, great fishing and abundant in wildlife! Goodinterior roads. Future value in planted pines! Ownerfinancing available! Call Brenda DeLoach at SouthernTraditions Realty 229.507.0622.Banks County: Country Brick home on 9.89 acres.Full basement. Porches & large deck. 2 car carport.Additional covered parking at basement for boat &camper. 5 Stall Tractor/Equipment shed. 5 wells &county water. 40x28 Barn. Two - 36x400 Buildingsfor shop, storage, Barns or livestock. Chainlink dogpen. Paved road frontage. Near Gillsville, Lula &Homer area. Price reduced! $145,000 Don’t miss thisdeal - make your offer soon! Call or email Tammy atPurcell Realty for appointment pr1realty@aol.com,(706)677-3001 ph (770)533-1387 cellGREAT INVESTMENT !!!!! This 2 bedroom 1 bathhome/ apartment building has 1,178 sq.ft. in Ben HillCounty. Owner is in process of remodeling. Make anappointment today with Judy Roood, Associate Broker229-425-1443 to add your touches to the finishedwork. MLS# 121125 $ 36,000.00Berrien County52 acres in Berrien County. Gorgeous riverfrontproperty. Abundant with deer and turkey. Boat dockfor fishing, beautiful campsite! Call Brenda DeLoachat Southern Traditions Realty 229.507.0622.Absolutely gorgeous 345 acre tract fronting theSatilla River and Wiggins Creek! This is a hunter’sAgGeorgia.20.Autumn 2012382 acres in Enigma, Ga. Absolutely beautifulfarm with rolling hills and 5 ponds! Approx 175acres in cultivation with remainder in ponds and

natural woods with some merchantable pines. 2800sq ft home and cabin included with sale of property.Call Brenda DeLoach at Southern Traditions Realty229.507.0622.300 acre River Tract in Alapaha, Ga. Check out thisnew listing! This tract has highway frontage, lots ofriver, and is great for hunting & fishing! Call BrendaDeLoach at Southern Traditions Realty 229.507.062233.82 acres close to Tifton. Looking for a smallfarm or a great building site, this is the tract. Greatlocation, some cultivation and woods. Call Melissa atSouthern Traditions Realty 229.445.1270192 acres in Enigma. Absolutely gorgeous farm withrolling hills and 2 ponds! Approx 50% in cultivationwith remainder in ponds and natural woods withsome merchantable pines. Call Melissa at SouthernTraditions Realty 229.445.1270Nice brick ranch style home with a 20x40in-ground pool, bath house, and a 28 x 96equipment shed. 69 acres with planted pinesoverlooking gorgeous rolling countryside! Less than20 minutes from Tifton and 5 minutes from Ashburn!Call Brenda DeLoach at Southern Traditions Realty229.507.0622Gorgeous small farm with 38.5 acres in cultivation!22.9 acre cotton allotment. Mature timberready to cut. Property also has future developmentalpossibilities with close proximity to Moody! CallBrenda at Southern Traditions Realty 229.507.062272 acres in Sumner, Ga. Beautiful secluded tractin the heart big buck and big farming area of WorthCounty. Approximately 20 acres of existing cultivationwith the remainder mostly in merchantable andpre-merchantable planted pines. Call John Hogan atSouthern Traditions Realty 229.507.0395300 acres in Alapaha. Absolutely gorgeous farmwith everything to offer! Planted pines varying in agesfrom 10-30 years old, beautiful home site, breathtakingpond, and river frontage! This property is arecreational treasure with its pine forests and naturalwoodlands providing a natural habitat for deer, turkeyand quail. Historic barn would make a great cabin!Owner will subdivide. Call Melissa Taylor at SouthernTraditions Realty 229.445.1270.125 acres in Ocilla. Absolutely gorgeous homeplace or recreational tract! Beautiful 32 acres ofestablished coastal bermuda pasture for horses,cows or extra income. Approximately 94 acres ofpines and hardwoods bordering a small creek andsurrounded by large tracts makes this a perfect recreationaltract! Abundance of deer, turkey and otherwildlife! Includes 3br, 2ba mobile home and a largeequipment shed. Call Melissa at Southern TraditionsRealty 229.445.1270.28.64 acres of high and dry land within 1.5 milesof Nashville City limits. This tract is a portion of thelisted tax map & parcel and further described as lots7 through 17 per previously surveyed developmentas recorded in P.C. 2 Page F-48C and offered as onetract in this listing. Land is +-85% in existing cultivation,great building site(s), mini-farm, or futuredevelopment. Call John Hogan at Southern TraditionsRealty 229.507.0395Brantley County12.45 acres in Berrien County. Looking for a tractto build on or put a mobile home on, well this is it.This tract consist of 12.45 acres some cleared landand some wooded. Call Melissa at Southern TraditionsRealty 229.445.1270Twin River Frontage. This double river tract hasmiles of River Frontage on both the Satilla River andthe Little Satilla River with gorgeous white-sand beachAgGeorgia.21.Autumn 2012

areas. Showcasing 1607 acres, this tract includes bothlarge and small pines as well as a large amount ofhardwoods. There are numerous beautiful locationson the rivers. This peice is perfect for hunting withgreat investment potential. Contact Carter GroupReal Estate at (912) 530-9515, www.cartergroupland.com, or kyle@cartergroupland.com.selected trees left uniformly scattered to offer a greatstart on developing quail habitat. Wild bobwhite quailon property. Approx. 9 acre open field on southernend. $1100/acre. Contact Stan Hillis, 478-569-4265or 706-551-2292Max Boswell 706-871-9141with Mary Yelton Realty,Southerlandbrokers.com290 Acres of Natural Beauty: River Front andCypress Ponds. The Roberson Hammock Tract,located in Brantley County, is a beautiful tract withSatila River Frontage. It also includes two cypressduck ponds. Access will never be a problem as thistract offers highway frontage as well as county roadfrontage. This is a great investment or recreationaltract. Contact Carter Group Real Estate at (912)530-9515, www.cartergroupland.com, or kyle@cartergroupland.comBurke CountyTract has approx 350 acres in cultivated fields.There is approx. 85 acres of 1994 planted pines, 18acres of 1996 pines, 11 acres of 1998 pines, 52 acresof 2001 pines and 50 acres of 2004 pines for a total ofapprox. 216 acres in pine plantation. The remainder isapprox. 459 acres of big mature hardwood/pine mixand a few wet weather sloughs. The east boundaryis Beedy Branch and Buckhead Creek runs alongthe bottom portion of the property. There is a olderhouse on the property at the intersection of Cates rd.and Beedy Branch rd. PLEASE DO NOT ENTERWITHOUT PERMISSION . Contact Agent MaxBoswell 706-871-9141 with Mary Yelton Realty)Southerlandbrokers.comThis tract has over 1,000 feet of frontage onKilpatrick rd. It has large pines with open hardwoodsthroughout. There are small open area as well as apowerline crossing.The land is flat to low rollingoffering numerous excellent places for a homesite. Itwould be a great place for horses,recreation, huntingand a home place. There is power available at the roadand it is located approx. 3.5 miles from Waynesboro.Contact Agent Max Boswell 706-871-9141 with MaryYelton Realty, Southernlandbrokers.comOLD SOUTHERN HOME with lots of style andcharacter in Eastern Burke County. Large rooms,hardwood floors in some rooms. Office/den andupstairs bedroom has solid pine boards on wall. Nicebrick shop/garage in back yard as well as indoorgarage. Lovely setting underneath large, old trees.Additional land may be available from seller.$120,000. Mary Yelton Realty, 706-554-0340 orwww.maryyeltonrealty.comThis tract is connected to William Circle rd. bya large 80’ easement. It has approx 19 acres in opencultivated land that is currenlty planted in soy beans.Tha remainder is a hardwood cut over with a largecypress head in the middle of the tract. This wouldbe a great hunting tract or a quite place to get away.Contact Agent Max Boswell 706-871-9141 with MaryYelton Realty, Southerlandbrokers.comThis tract has 231 feet of frontage on WilliamCircle rd. It consists of approx 15 acres of opencultivated field currently planted in soy beans and theremainder is cut over hardwood with a small portionof a cypress head in the rear of the property. Thiswould make a great recreatinal tract or a homeplace.Contact Agent Max Boswell 706-871-9141 with MaryYelton Realty, Southernlandbrokers.com200+ acres near Girard in Burke County. Excellenthunting land. Joins Wade Plantation, which has someof the finest deer, quail and turkey hunting anywhere.Frontage on Stoney Bluff Rd., Bisected by SweetwaterCreek, offering duck hunting in it’s numerous beaverponds. Old hardwoods bordering creek on both sides.Excellent pond sites on Sweetwater Creek. Pine plantationsand some hardwoods have been harvested butThis tract has it all for country living. There is aapprox. 1 acre pond with a smaller pond in the rearof the tract. It offers several good options for buildingsites for a home with open pastures with planted pines.There is also lots of large hardwoods on the propertyand the east boundary is a small creek branch. Thistract would be ideal for horses or anykind of recreationwith lots of buildable room for out buildings or shops.There is also a well on this tract that services this tractas well as 4 houses on adjoining land. Contact AgentAgGeorgia.22.Autumn 2012This land contains a working quail growingoperation as well as a 2000 model Pioneer mobilehome located on the property. There is approx. 11acres with the farm with room for expansion. Theoperation raises approx. 50,000+ Quail and Pheasantcurrently. All feeding and watering is mechanized.Please call office for extra details on the tract. ContactAgemt Max Boswell 706-871-9141 with Mary YeltonRealty, Southernlandbrokers.com

Elbert CountyThis tract has big pines and hardwood mix withplenty of open area. There is good road frontagewith power available. This land would be a greathomesite with lots of oppurtunity for hunting,horses, or country recreating. Contact Agent MaxBoswell 706-871-9141 with Mary Yelton Realty,Southernlandbrokers.comColquitt CountyBeautiful Farmhouse in Exclusive Subdivision on1 Acre. Approx 2900 sf 4 BR/2 1/2 BA with wraparoundfront porch and beautiful pergola over backdeck. This leads to a professionally designed heatedpool in a lagoon-like setting. Master BR on mainfloor with Large Ceramic master bath and walk-incloset. Dining Room has large picture window withviews of the beautiful back yard and pool. Kitchenfeatures island with butcher-block counter top, Lotsof cabinet space with dark granite countertops and alarge breakfast area. Bonus room accessed from insidewith beautifully stained wood steps. Large LaundryRoom. From Front Door entry beautifully stainedstairway leads to 3 BR with Large bath upstairs.Water softener system. MLS #90233 $385,000Contact Browning Brass Key Realty, (800) 958-2317Contact Browning Brass Key Realty, (800) 958-2317“Country Living.” 2,142 sf home on 11.58 acreswith 5 BR/3 BA Screened Porch-Back Patio-PondDock with 3-4 acre pond well stocked with bass,bream, catfish, special perch! Back of pond there isdeer/turkey hunting. Minutes from Town!! ContactBrowning Brass Key Realty, (800) 958-2317Beautiful lot in Exclusive Neighborhood inMoultrie, Ga. 5.74 acres on Lake. Lot 4 ofSouthlake Subdivision South of Moultrie on Ga.Hwy 319 South. $165,000 MLS #901503 ContactBrowning Brass Key Realty, (800) 958-231784 Acre Hunting Tract with 20 year old timber and9 acre lake, swimming pool. Lovely home with 5BR/5 BA, living room, dining room, family room,fully equipped kitchen, sun-room, two fireplaces,3-stall horse barn w/tack room, equipment barn, stgbuilding. A great location for hunting deer, quail,wild turkey. Located on a paved road. MLS #9018631,200,000 Colquitt County. Contact Browning BrassKey Realty, (800) 958-2317Echols CountyAbsolutely gorgeous farm with a 3000+ sq ftlodge, 9 bedrooms, 3 baths overlooking a breathtakinglake! Beautiful winding roads take you tounbelievable views of the Alapaha River! With over15 years of QDM, this property is abundant with alltypes of wildlife with food plots and tree stands readyfor deer season. Current owners are in the process ofdeveloping several areas for their cattle operation.Several pasture areas have been finished as well as theinstallation of cattle pens and an equipment shelter.Surrounded by majestic oak trees, the lodge is locatedin the area of the original home place from the early1800’s. It’s a buy of a lifetime! 91979.0jpgRiver Road Hide-A-Way: PRICE REDUCED! Agreat family or hunter’s retreat! 62.48 Acres with 3BRm., 2 Bath home in excellent condition. Abeautiful 2 acre spring fed pond stocked withbass, bream, and catfish is picturesquely located infront of the attractive home which also has a livingroom with fireplace, central heat/air, a nice size kitchenwith eating area and a spacious deck off the back.Utility shed is located close to the house for storageand equipment. Mixed hardwood and pine offergreat deer and turkey hunting, Located 10 milesfrom Elberton and only 1.5 miles from Broad River.Also convenient to Lake Thurmond and Lake Russell.Price Reduced to $289,000. Contact Eddie Drinkard.706-318-3636, email: eddie.drinkard@gmail.com,or visit website: www:DrinkardRealEstateSales.comThe Pond at Flatwoods, 126 Acres. This tract offershunting, fishing, timber investment, and recreationalopportunities! Located on Hester Road in ElbertCounty, the property has a private gated entrance. A3 acre stocked pond is surrounded by a wildlife foodplot attracting deer and turkey. A 12 acre food plotalso lures the plentiful deer and turkey in the area.Good interior roads provide easy truck and ATVaccess through the property. Priced to sell at $2950/AC. Contact Eddie Drinkard, 706-318-3636, email:eddie.drinkard@gmail.com, website: DrinkardReal-EstateSales.comLong Cove at Lake Russell, Total acreage 186.29acs.; 1 Tract of 91.94 acres priced @ $295,000 and2nd Tract of 94.35 acres @ $395,000. Over 4,700feet of Corps of Engineers frontage. Some propertylines are within 250 to 320 feet of the shoreline. Theprivate gated entrance fronts on Dry Fork LandingRoad, and is located 13 miles from Elberton. PropertyAgGeorgia.23.Autumn 2012

is 1 mile from a public boat ramp and within sightof Lake Russell Park and Arrow Head Point GolfCourse. Beautiful hardwoods with winding streamthrough bottom provide an ideal habitat for deer,turkey and small game. Several established wildlifefood plots. Merchantable pine timber provides forpresent and future income. Graveled interior roadsprovide easy access to property and good ATV riding.Contact Eddie Drinkard, 706-318-3636, email: eddie.drinkard@gmail.com, website: DrinkardRealEstate-Sales.comNorthern Cove on Lake Thurmond, 192 Acres;DRASTICALLY REDUCED! Dockable waterfrontproperty. Awesome tract with waterfront home sites.Boating, fishing, super recreational tract. Tract maybe divided. Slashed to $5,950/AC. Contact EddieDrinkard, 706-318-3636, email: eddie.drinkard@gmail.com, website: DrinkardRealEstateSales.com1077 acres of land that features OgeecheeeRiver frontage, 400 + acres of 25 year old pines,678 acres of hardwood. Great recreational timberinvestment. Highway 56 frontage. Owner will offerowner financing. Tract has been prequalified for aconservation easement. $2100 per acre. Bickley &Assoc. 478-214-0559 johnbickley@comsouth.netGlascock County60 acre with 3 story stately brick home with pool,large barn, pond, workshop and sheds. 4Bedroom,4bath, 2 kitchens, 3 car garage, finished walk-outbasement, and all fenced. 30 Minutes from I-20.Virtual Tour: www.myvisuallistings.com/vt68961$499,000 Linda Davis, 706-361-3794 Century 21Larry Miller RealtyHabersham CountyA DREAM COME TRUE! Situated on 9.19 acres withyear round mountain views, this 3BR/2BA ranchhome offers T&G walls, rocking chair porch, 2 stallbarn w/tack room, outside FP/grilling area, pastureand out buildings, wired for full house generator.Close to Lake Burton. $269,900 (97656) Ruth Camp706-499-4702 ruth@ruthcamp.comBEAUTIFUL LAKE HOUSE!! Large, bright & airy,recently remodeled, 5BR/3.5BA home has 3 decks& gazebo. Features hdwd flrs, FP, huge MBR w/spacefor office, den, lg eat-in kit & separate din. rm. Openporch w/enclosed porch also gentle sloping yard tolake. Very nice and special!! (98194) $249,000 Fred706-499-4722 karefre1@windstream.netTatum Tract, 67.25 Acres: Heavily wooded with2 acre food plot. Paved and graveled road frontage.Only $1193/AC. ($134,000). Contact EddieDrinkard, 706-318-3636, email, eddie.drinkard@gmail.com, website: DrinkardRealEstateSales.comEmanuel CountyAWESOME LOG HOME! On 9.34 acres surroundedby national forest and just a short hike to PantherCreek Falls. 3BR, 2.5BA spacious open floor plan,with unfinished basement, wired, plumbed and readyto finish. Fireplace, wood floors and all the bells andwhistles. Complete privacy yet close to 4-lane andshopping. $389,900 (96106) Ruth 706-499-4702ruth@ruthcamp.comPERFECT GENTLEMANS’ FARM!! This 3BR/3BAhome features a game room, large den, great room,dining area, kitchen w/breakfast bar, 2 double sidedfireplaces, exercise room, 6 stall barn with wash andtack room. Even hot water in barn. All on 9.58acres 2/mountain views $399,900 (94477) Ruth706-499-4702 ruth@ruthcamp.com566 acres located on Hwy. 56 and Little OhoopeeRiver. 158 acres of 23 yr. old pines, 115 acres 4 yr.old pines, 293 acres hardwood, good roads with foodplots. Great Deer and Turkey hunting.Ownerfinancing. Tract has been pre-qualified for a conservationeasement. $1400 per acre. Bickley & Assoc.478-214-0559-johnbickley@comsouth.netMUST SEE PROPERTY! This rolling pasture w/yeararound mountain views is spectacular. Includes24+ acres, a branch running thru it and pond site.Located near the hospital but very private. Alsohas nice 2BR/1BA home in good shape. This veryspecial property is a sleeper! $225,000 (92036) Marty770-597-4219 martinsimmons@yahoo.comSOUTHERN LIVING! 4 SIDED BRICK “CrabappleCottage” Plan. Scenic Mtn Views, 10 acre estate w/RV parking & barn. 5BR/4BA/2half BA, great room,AgGeorgia.24.Autumn 2012

2 FP, hrdwd floors, formal DR, granite counters.Much more! $829,000 (98799) Ruth 706-499-4702ruth@ruthcamp.comSTEP BACK IN TIME! Rustic and Authentic log homeon 9.6 acres 3BR/2BA, comfortable front porch,screen deck overlooks large fishing pond, fruit trees,garden spot and 2 hiking trails leading to the NationalForest. $189,000 (98889) Ruth 706-499-4702ruth@ruthcamp.com179.86 Acres w/ Lots of Amenities. Located 11miles south of Sparta. Road frontage on 2 dirt roadsand one paved road. 12X25 cabin, 30X48 pole shed,12X20 metal storage building, and 20X20 metalgarage. Lots of mature hardwoods and scatteredbig pines. Small creek runs through property. Greatdeer and turkey hunting tract. Hancock County isa Quality Deer Management county. 4 open fieldson the property. 8 acres, 3.3 acres, 1.5 acres, and 0.5acre. $1,700/acre. Contact Town & Country RealEstate @ 478-552-5681 or www.tandcrealestate.comPitts Road... Several 5.5 acres available for $49,995with possible owner financing as well as a 95 acre tract& 110 acre tract for $4000/acre. Mostly woodedwith planted pines, great interior roads, County wateravailable, and plenty of paved road frontage. 373total acres which is divided but can be sold as whole.Call Real Estate Insider for details @ 478 988-1128.Farmstead with 7+acres. Approx. 6 acres fencedpasture. Outbuildings. 3800+sq. ft. 5br/3.5ba homein excellent condition. Prime Clarkesville location.$332,000. Keller Williams Realty 706-839-7355. callPatricia Bower 770-530-6300Hancock County1156 Frazier Road, Sparta, Georgia. 1510 sq. ft.home located on 1 acre with 2 bedrooms, 2 baths,living, kitchen, and finished basement. Basementincludes rec room, kitchenette, laundry area,workshop, and storm shelter. Central heat/air. Fencedyard, Outbuildings, rear covered patio, ¾ deck aroundhouse. $72,500. Contact Town & Country Real Estate@ 478-552-5681 or www.tandcrealestate.comHouston CountyOaky Woods (Houston County) ... Over 11,000acres. This tract is fully timbered with pine in variousstages as well as hardwood drains. Has miles ofinterior roads, Flat to gently rolling topography, andLocated Off of GA Hwy 247 south of Warner Robinsnear Kathleen. Hunting Leases also available. CallSouthern Timber Consultants for more information@ 478-988-1128186.7 Acres. Located 11 miles SW of Sparta w/paved road frontage on two sides. 60X100 metalbuilding w/ 2 roll up doors on concrete slab. 25X601 bedroom, 1 bath apartment that has rough plumbingand electrical installed and new well. A small cabinthat sleeps four. Entire tract was clear cut in 2007except for the stream side management zones and allof the white oak trees. Several spring fed creeks. Goodpond sites. Transmission line runs through propertyand half of it is in irrigation for food plots. $2,116/acre. Contact Town & Country Real Estate @478-552-5681 or www.tandcrealestate.comPineridge Tract (Houston County) ... 80 acres Nicetract with a mixture of pine and hardwood. Wouldmake a great homesite or hunting retreat. $220,000Call Real Estate Insider @ 478 988-1128 today!Elko Tract... 39 acres total with home in need of TLC.Peace & quiet in the South Houston County Countrywith pecan trees, dog kennel, storage buildings, andbarn. Wooded with planted pines with acreage mostlyopen for pastureland. Older Home features pineflooring & walls throughout with nice back deckoverlooking backyard. Acreage can also be dividedinto different parcels such as 2-acre, 5 acre, and/or10-acre tracts. Call today for more information on thishome and others at 478 988-1128 Real Estate Insider.AgGeorgia.25.Autumn 2012

Harper’s Ridge... over 65 wooded acres in the backof a subdivision off Tucker Road in Warner Robins- convenient to Shopping, Schools, Restaurants,I-75 and Robins Air Force Base. Can be dividedor developed. Call Real Estate Insider for details @478 988-1128This property is in Irwin County and has somany amenities that it is hard to list them all.A hunters dream come true on this 426 +/- acres ofgeorgous land . Some hunting stands on property,large pond for fishing, just relaxing or cruising ina boat on a lazy summer afternoon. Property alsohas a 6BR/7BA hunting lodge w/large screened inporch across front. Two more porches on back anda deck for grilling on the side. A REAL MUST SEETO APPRECIATE. MLS #120836 $1,400,000.00also see MLS # 120837. Call Judy Rood, AssociateBroker/Realtor 229-425-1443Vacant lots to choose from in Harris DillEstates SD in Irwin County have pavedstreets,curbing,gutter and city water. Nicearea to build your new home. MLS # 118391$20,000.00 Call Judy Rood, Associate Broker/Realtor229-425-1443Burnham Branch... 20 acres & up available forhunting, investment, or homesite with plenty of roadfrontage. Creek frontage on Burnam Branch formshe North Boundary in Southern Houston Countyoff Hwy 26. $2500/acre Call Real Estate Insider @478 988-1128Irwin CountyMobile Home lots in the city limits of Ocilla, IrwinCounty. Property has city water, sewer and paved roadfrontage. MLS # 118404 $ 7,500.00 several lotsto choose from. Call Judy Rood, Associate Broker/Realtor 229-425-1443Don’t pass this up!! 40 acres in Irwin County ,property could be used so many ways your choice...could be used as pasture or homesite as well asfarming. Call Judy Rood, Associate Broker today229-425-1443 MLS# 121098 $154,000.00105 +/- acres in Irwin County houses a 3/2doublewide and sits on the east corner of a pondwith a screen porch and a dock just outside thedoor. 30 acres of the property are cultivated, estimated6 acre pond, underground electric on property. Greathunting location. This is a real MUST SEE to see itsfull beauty. MLS # 120362 $342,472.00 Call JudyRood, Associate Broker/Realtor 229-425-1443ADD REDUCED BANNER $320,000.00Great 3/2 home in Irwin County sits on 5 acres,has a lean two barn, shop/machinery bldg &utility shed. Fire place in every room,original partof house has bead board walls and ceilings,huge wraparound porch w/swing. MLS #120119 $99,000.00.Call Judy Rood, Associate Broker/Realtor 229-425-1443 ADD REDUCED BANNER $ 89,000.00You will find this lot captivating with a touch ofbeing in the country. Located in Irwin County thislot is in Brushy Creek SD just a few blocks from theschools. It is approx. 3 miles from downtown Ocilla.MLS # 119105 $10,000.00. There are several lotsto choose from. Call Judy Rood ,Associate Broker/Realtor 229-425-1443350 +/- acre farm In Irwin County has 2 houses,2barns, 7 ponds. A real must see!!! The main houseis a 3/2 central heat/air with 2,716 sq.ft. The secondhouse is a 3/1 block with metal roof, screened in backAgGeorgia.26.Autumn 2012

porch, central heat/air, 1,110 sq.ft. with slab in backwith RV hook ups. Owner is a Licensed Broker inFlorida and Georgia. Call Judy Rood, Associate Borkertoday 229-425-1443 MLS# 121179 $1,277,500.00merchantable timber. It also includes a 40 x 60 metalbuilding, a well, and electricity. This would be a goodtimber investment, gentleman farm, or it could easilybe converted into farmland. Make an offer! $500,000Contact Carter Group Real Estate at (912) 530-9515,www.cartergroupland.com, or charlie@cartergrouprealestate.com.Jefferson County$115,000. Contact Eddie Drinkard, 706-318-3636,email: eddie.drinkard@gmail.com, website: Drinkard-RealEstateSales.comRiver Tract with plenty of highway frontage, this197.85 acres has plenty of Timber, hardwood,and you can drive right up to the River. Seller willentertain several options on buying with or withouttimber, and may even split into 2 tracts. (92117)Jasper County3480 Jackson Lake Road (Jasper County) ... Over4000sf Home w/pasture (horses negotiable), pool(brick columns w/wrought-ironed fence & hugegazebo w/electrical outlets/hook-ups) & man-madefishing pond. Kitchen includes eat-in area, island w/sink & bar, gas stove w/vent-a-hood, and plenty ofoak cabinets overlooking keeping room w/built-inentertainment center & wood-burning fireplace.4BR/4.5 BA, 2BRs upstairs each with own bathseparated by their own den area, Sunroom, Office,Teenager Suite above garage, Geo-thermal heating &cooling system, 2500sf unfinished walk-out basementw/bay door, Wrap-around porch w/swing, enormousback deck overlooking pool & pond, Flag pole & firehydrant beside home, Custom-built Treehouse w/realwindows, swing set/see-saw/slide/etc ... all on 14 acresof ATV trails w/additional acreage available! Toomuch to list, Call Real Estate Insider today @478-988-1128 for more details!Jeff Davis CountyZebina Plantation, 782 Acres, Sold As Whole:Merchantable pine provides future income.$20K/yr. timber lease income. Cropland andtimberland. Upland and creek bottom hardwoodgrowth and several bold creeks provide excellent deer,turkey and small game habitat. Potential lake sites.Three board fence entrances from the Zebuba Road.Priced Reduced to $1,695/AC. Contact EddieDrinkard, 706-318-3636, email: eddie.drinkard@gmail.com, website: DrinkardRealEsatateSales.comJones CountyDusty Road (Jones County) ... 123+/- acres locatedin the Dusty Lane & Clifton Ridge area betweenMacon & Gray off Hwy 129. May be divided $500k.Call Real Estate Insider @478 988-1128LINCOLN COUNTYChennault Tract, 50 Acres: “Lost ConfederateGold’ Area, Lake Thurmond fishing and boating,great hunting! Good interior roads provide easyaccess into this excellent hunting tract. Beautifulhardwood hillside, lots of oaks, and over 900 feetof creek frontage provide perfect deer, turkey, andsmall wildlife habitat. Several established food plotswith 3 tower stands already in place. Paved frontageon Graball Road, 1/2 mile from Hwy. 79 and Hwy.44. $2,350/AC. Contact Eddie Drinkard, 706-318-3636, email: eddie.drinkard@gmail.com, website:DrinkardRealEstateSales.comPeach CountyWorthington Woods... HomeSites Available! 2 to4 acre tracts with mature planted pines. 1800sfminimum, all-brick/rock/stucco/hardi-board home& side-entry garage. Protective covenants, lightedstreets, & underground utilities. DSL cable linesavailable through ComSouth. Located off ClopineLake Road in small, quiet subdivision out in country,but close enough to I-75, shopping, school, RAFB,& Hospital. Call Real Estate Insider @ 478 988-1128for your personal tour, updated plat, and copy ofcovenants.86 Acres of Timber Nice Timber Tract!! 86 acresjust outside of Hazlehurst, GA. This tract has a goodstand of planted pines with a large amount ofLake Thurmond Retreat, 21.34 Acres: Corpsproperty frontage on Lake Thurmond with a shortdistance from the shoreline. Corps permit for golfcart path to shoreline. Home site in view of the lakewith protective covenants in place. Private gatedentrance from Libson Road which is a Lincoln Countygraveled road. Excellent interior driveway leading tothe Corps property. PRICED REDUCED TOAgGeorgia.27.Autumn 2012River Road... Over 10 acres of mostly open landlocated off Hwy 49 right out of Fort Valley onRiver Road. $30,000 Call Real Estate Insider @478-988-1128

Seminole County195.72 +-/Total Acres...Great timber investmentor recreation tract. Including Approx. 145 acres of18-22 year planted pines, five ponds surrounded bylive oak trees, good road system,gated and a 10 acrecypress swamp. Good deer and duck hunting. Goodroad frontage. Great location near Bainbridge andLake Seminole. Main Area Seminole County. MLS#904298 $557,800 ($2850.00 per Acre) Call MillsHerndon at First Thomasville Realty at 229-226-6515or 229-224-4115 . GA R.E. Lic #85910Taliaferro County9.77 Acres – Great Hunting Retreat Located inWashington County. Land includes a Cookhouse,Cabin, Mobile Home, 1 Well, 2 Septic Tanks, and aSkinning Pole. Cookhouse was built in 2004 with akitchen, Living/Dining Area, ½ Bath, and CoveredFront and Back Porch. Cabin is a 1 bedroom, 2bath with kitchen and living room. Mobile homeis a 2 bedroom, 1 bath, kitchen/dining, living, andfront screened porch. $177,000. Contact Town &Country Real Estate @ 478-552-5681 or www.tandcrealestate.com90.778 Acres off Duck Roost Road. Located10 miles NE of Sandersville. Good interior roadsystem. Pine and hardwood mixed. Great tract forhunting deer, turkey, and wild hogs. 2 small foodplots. $1,200/acre. Contact Town & Country RealEstate @ 478-552-5681 or www.tandcrealestate.com340 Acre Tract: Absolutely gorgeous farm witheverything to offer! Beautiful home site or perfectfor farming, hunting, recreation, or long terminvestment. 7 miles from I-20. Double paved roadfrontage with the north fork of the Little River as theback boundary. Fenced. 150 acres cleared for pasture.Abundance of wild life including deer, turkey, dove,and wild hogs. PRICE REDUCED! $2,750/acre.Contact Tom Aiken at 706-338-6267 or emailjenaik@windstream.netWashington CountyHome, Pool, Pond with Dock, and 14 Acres. 2,200sq. ft. home located at 1638 Walker Dairy Road,Warthen, Georgia. Gated entrance home with 3bedrooms, 2 baths, utility, kitchen, living, dining, andsunroom. In-ground pool with cook decking. Storagebuilding/pool house. Large shop building. Fencing.Dog Kennel. Beautifully landscaped. A MUST SEE!$200,000. Contact Town & Country Real Estate @478-552-5681 or www.tandcrealestate.com2 Homes, Metal Barn, and Orchard on 113.77Acres – A HUNTER’S PARADISE! 2 homes built in2011. 2100 sq. ft. metal barn with 2 roll-up doors.2 acre orchard with deer fencing. Orchard includespeach trees, blueberry and blackberry bushes, peartrees, pomegranate tree, fig tree, and muscadines.Acreage consists of 26 acres of planted pines 25-28years old, large stand of hardwoods, creek on border,good roads throughout, food plots, 2, 190 ft. of pavedfrontage. REDUCED to $549,500. Contact Town& Country Real Estate @ 478-552-5681 or www.tandcrealestate.comGreat Homesite Lot. 2.43 acres located off TennilleHarrison Road in The Groves Subdivision. Well andSeptic Tank Required. Protective Covenants. ContactTown & Country Real Estate @ 478-552-5681 orwww.tandcrealestate.comFarm on Highway 68 South. 76.08 acres of beautifulcropland. Fenced and cross-fenced. 3 mobile homeswith 4 wells and 1 septic tank. 32X32 Horse Barn w/hag storage area. Dirt floor storage barn. 40X80 hayand equipment barn. 40X40 Metal Building RadiatorShop with 4 pull up doors, 2 lifts, electric welder, vat,and MUCH MORE. 12X28 Metal Workshop withelectricity. $285,000. Contact Town & Country RealEstate @ 478-552-5681 or www.tandcrealestate.com146.25 Acres on State Route 231. Located 10 milesSE of Sandersville. 574 ft. of paved road frontage.Small creek on back line of property. Good interiorroad system. All marketable timber has been soldand cut. $995/acre. Contact Town & Country RealEstate @ 478-552-5681 or www.tandcrealestate.comAgGeorgia.28.Autumn 2012

Wayne CountyWhite CountyHeadline130 Acres, Great Hunting Land Hunters! Take alook. 130 acres located on Mt. Pleasant Road inWayne County. This tract includes planted pines andsome hardwood. A portion of the timber was previouslyharvested, but the tract still has plentyremaining. It is a great hunting tract in a rural,peaceful area. Priced to sell. $110,000 Contact CarterGroup Real Estate at (912) 530-9515, www.cartergroupland.com,or charlie@cartergrouprealestate.com.23 Acres, Cultivation Good quality tract with23.294 acres, offering cultivation and somewoodland. This tract is located on Empire Road inWayne County, GA with good highway frontage. Ithas been farmed for years and would be perfect forcontinued agriculture use or great for a homesite asit already has a well. It is in a rural area, but not farfrom town. Good land in a good location. $90,000Contact Carter Group Real Estate at (912) 530-9515,www.cartergroupland.com, or kyle@cartergroupland.com.RARE FIND! 10 acre tract in Sautee Valley, features2 houses, one with 3BR/2BA the other home has2BR/1BA. Ideal for horses, terrific grass to support5-6 horses. 3 creeks, corner lot on Hwy 255. A perfectspot for a weekend getaway or full time residence,public water available at street. Owner is GA agent.$349,900 Rose Mariee 678-776-7437 rosemarie.allison@gmail.comWayne County 104 Acre Home Place Quaint littlecountry home-place located in Wayne County offof Highway 301 nestled in 104 Acres. This tract hasa good stand of natural pine with some merchantabletimber. It includes 3 rail white vinyl fencing, approx.1000 sq ft home, several outdoor storage buildings,and carport. Privacy is no issue as it lies in a veryrural area, but only 10 miles from town. This wouldbe an excellent property for hunting or recreation, orwith a little TLC, it would be a nice quiet place tocall home. $170,000 Contact Carter Group RealEstate at (912) 530-9515, www.cartergroupland.com,or charlie@cartergrouprealestate.com.385 Acres on the Atlamaha River. Located on theAltamaha River, at the north end of Wayne County,lies 385 Acres of prime hunting and/or recreationalland with river frontage. This tract has been cut, butsome hardwood still remains. 3800 feet of white sandand river water makes this a nice tract. This wouldbe a perfect spot for a private getaway or huntingclub. PRICE REDUCED! MAKE AN OFFER!!Carter Group Real Estate at (912) 530-9515, www.cartergroupland.com, or kyle@cartergroupland.com.ENJOY THE GOOD LIFE! Year round mountainand lake views, gentle access to the small lake, greenhouse and workshop, this manicured estate includes4 bedrooms, 3 baths, great rooms with vaulted ceiling,rock fireplace, custom gourmet kitchen with granitecounters, stainless steel appliances, partially finishedbasement and every imaginable amenity. Not manybetter than this! $299,500 (97567) Ruth 706-499-4702 ruth@ruthcamp.comPecan Orchard and Highway Frontage. Nice,Clean, Attractive 4.4 Acres with 29 pecan trees.These Stewart Pecan trees are over 20 years old andproduce an abundance of pecans each year with littlemaintenance. This would be a perfect place withplenty of room to build your dream home tuckedaway in a small pecan orchard. It is in a great location,just off of Hwy 84 in Screven with over 750 feetof highway frontage. Great homesite or incomeproducing investment! $29,900 Carter Group RealEstate, (912) 530-9515, www.cartergroupland.com,or kristen@cartergroupland.com141 Acres with Planted Pine and Creek Front.Great Hunting Investment! This tract consists of141 acres located in the rural town of Screven, GA.It offers 26+/- acres of planted pine, an all naturalhardwood area, and good creek frontage. This is a nicequite area and could be a super hunting hideaway ora nice homesite. $139,000 Contact Carter GroupReal Estate at (912) 530-9515, www.cartergroupland.com, or kyle@cartergroupland.com.STAGGERING MOUNTAIN VIEWS! Beautiful log andhardi-plank home on 79 acres features 5BR/4.5BAwith staggering mtn views, office, loft, finished terracelevel, open kitchen 2/granite, 30x30 workshop. The5th highest residential homesite in White County. Amust see! $1,250,000 (98817) Ruth 706-499-4702ruth@ruthcamp.comAgGeorgia.29.Autumn 2012

Wilkes CountyWilkinson County200 + acres, fenced and cross fenced, 12,416sq ft corral, 2 wells, 16 watering locations,bordered by Beaver Dam Creek and Little River,.6 miles of dirt road frontage. Great home andpond sites, approx. half wooded, half open pasture,excellent hunting. Secluded location on HappyHollow Road, between Hwy 44 and Hwy 47, 5 milessouth of Washington, GA. In one picture the land isto the right of the road and bordered by pine trees.Please e-mail dangaflat@yahoo.com or call (706)214-0442.1,094.96+/- Acre Recreation Tract in WilkinsonCounty on Oconee River. The tract is locatedapproximately 10.6 miles southeast of Toomsboro,GA. Acreage consists of 2 different tracts: The PondTract and River Tract. The Pond tract containsapproximately 350 acres of planted pines, an approximate13 acre fully stocked pond, and an approximate10 acre dove field. The River tract is a mixture ofhardwoods, cypress and cut over and has approximately1.5 miles of frontage on the Oconee River.Electrical power, deep well and septic field are inplace. There is an approximate 3,600 square footmetal storage building on slab. Additional chattel isincluded. Contact Bruce Elliott at Bruce Elliott &Associates, Inc., 478-746-0700 or Bruce@BruceElliottAssociates.com.Worth CountyLong View Tract, 202 Acres: Spectacular Viewfrom the crest of this awesome property makinga perfect cabin site. The property borders ClarksCreek, a major Wilkes County stream which feedsinterior creeks and creates a potential lake site.Approximately 50 acres of mature upland and bottomland hardwoods and excellent stand planted pines.Good interior roads make property easily accessible.Great deer, turkey, and small game habitat! Pricedreduced: $1,975/AC. ($398,950). Contact EddieDrinkard, 706-318-3636, email: eddie.drinkard@gmail.com, website: DrinkardRealEstateSales.com$265,000 - 2964 sf w/17.58 acres - Beautiful4 BR/2 1/2 BA Home on 17+ acres with 17 yearold Timber. Owner says, “Bring Offers!” 2513 GAHwy 33, Sylvester, GA 31791 Contact BrowningBrass Key Realty, (800) 958-2317Broad River Bluff, 154.35 Acres: A Sportsman’sParadise! 4,000 ft. of Broad River Frontage! Ducks,deer, turkey, fishing and canoeing!! This property hasit all! Interior roads and food plots. Price Reduced!$2395/AC. Owner/Broker, Contact Eddie Drinkard,706-318-3636, email: eddie.drinkard@gmail.com,website: DrinkardRealEstateSales.comAgGeorgia.30.Autumn 2012

AgGeorgia Farm CreditP.O. Box 1820Perry, GA 31069PRSRT STDU.S. POSTAGEPAIDCOLUMBIA SCPERMIT 1160Office LocationsCartersville1300 East Main StreetCartersville, GA 30120(770) 382-3637Gainesville501 Broad StreetGainesville, GA 30501(770) 534-5395Ocilla302 S. Cherry StreetOcilla, GA 31774(229) 468-5900Sandersville775 Sparta RoadSandersville, GA 31082(478) 552-6922Chatsworth19 Woodlake DriveChatsworth, GA 30705(706) 695-0020LaFayette700 East Villanow StreetLaFayette, GA 30728(706) 638-1940Perry468 Perry ParkwayPerry, GA 31069(478) 987-1434Sylvester105 Dexter Wilson BlvdSylvester, GA 31791(229) 776-5599Clarkesville102 Blacksnake RoadMt. Airy, GA 30563(706) 754-4158Montezuma317 Walnut StreetMontezuma, GA 31063(478) 472-5156Quitman504 E. Screven StreetQuitman, GA 31643(229) 263-7551Tifton1807 King RoadTifton, GA 31794(229) 382-4300Cordele1207 South Greer StreetCordele, GA 31010(229) 273-3927Moultrie22 5 th Avenue., SEMoultrie, GA 31768(229) 985-3893Rome701 East 2 nd AvenueRome, GA 30162(706) 291-6340WashingtonU.S. 78, 311 North BypassWashington, GA 30673(706) 678-7088Dublin826 Bellevue AvenueDublin, GA 31021(478) 272-3255Nashville707 N. Davis StreetNashville, GA 31639(229) 686-5081Royston675 Church StreetRoyston, GA 30662(706) 245-6142Waynesboro176 Highway 80 WestWaynesboro, GA 30830(706) 554-2107www.aggeorgia.comwww.landbanksolutions.com