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The Superior Express
Superior, Nebraska
March 19, 1992     The Superior Express
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March 19, 1992

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2B THE SUPERIOR EXPRESS Thursday: March 19_.: 1992 Davenport Legion Banks . Courthouse Ne ' roll in economic development Flrst Published March19, l The Davenport American (Continued from Page 1B) decades of decline, and small banks also were feeling the squeeze. Rural community membership in the Independent Bankers Association of America peaked at more than 3,000. But with the agriculture bust of the 80s, many banks closed or consoldiated. As a First Published March 19, 1992 in The Superior Express NOTICE In the County Court of Nuckolls County, Nebraska. Estate of Frederick D. Bargen, Deceased. Estate No. 5488 result, many small towns are now served by a branch of a centralized hank. When a bank is no longer owned locally, it loses autonomy. Lending decisions move from a relationship basis, i.e., "I know you", to "management by the numbers" in another city. This eliminates some loans that could be made by a local banker who had autonomy and know a par- ticular applicant was honorable and would pay it back. With the addition cf federal regulatory pressure, many entrepreneurs find it quite difficult to obtain a loan. While not everyone agrees, management by the numbers Notice is hereby given that 'on may only seem to be safer than March 11, 1992, in the County more relationship-oriented Court of Nuckolls County, loans. According to the FDIC, Nebraska, Michael L. Johnson, over the last eight quarters whose address is 145 E 4th locally owned banks have been S,,,t ,,,,-; eb QTR more profitable and mo're ..... ' "LT'::' :':  'as highly capitalized than larger was appoinvm oy me our ......... "-- n--'ive of the centra nangs. ome zee| l-'ersonal tteprese tat .......... Ws, , ..... .ngth comes fr m- " ".."='_ ......... _:::" vesting locally while oiding trenitors oz mm sae must .  ........... "'-- Court forelma.dol and what bankers rite tnelr clalms with mm ,,,zt;= ,, ....x.,. ....... I-, lto,, a 10 ,,,i- i Ikl::'Ul :S, lusuy ACVCLUI''U on or ,.emre ..-,j .......... ' hetions like unk bonds forever barred. "  ' J (Seal) John A. Wheelnd and questionable commercial Clerk of the County Court real estate ventures. Thus, a more relationship- Luebs, Beltzer, Leininger, Smith & Busick, Attorneys 4-2-12-3c Davenport Cub Scout Pack 333, Blue & Gold banquet and Pinewood Derby was held Sunday, Feb. 23, in the com- munity center. After a potluck supper the boys received their advancement badges. The Tiger Cubs started the Pinewood Derby by racing oranges they had decorated down the track. Race winners of the Pinewood Derby were Jack Meers, first, Heath Grone, second, and Kelly Corman, third. Winners of car design were Ryan Miller first, Jamie Ficken, second; and Josh Kidney, third. Race winners will go to the District pinewood Derby in Beatrice April 4. based, local-investment type of banking may actually be the key to reducing risk and in- creasing profits in the future for all banks, as well as small towns. When centralized decision- makers see negative Wends in rural communities, they lose confidence just like any other citizen. Even though they may have a large capacity to make loans, small business start-up loans for the declining area may dry up. If yon owned a cen- tralized bank and wanted to make a profit, and you could make money by investing elsewhere, you might also make out-of-the-area investments your priority. On the other hand, like all other elements of the com- munity, a locally-owned bank must live or die with the town. So the local hanker has a choice: they can either follow Red Cloud Lions Club . ONS!GNME00 Friday and Saturdqy\\;Xl'0000 April 10 and 11 To Consign Items Call: Rick Oreutt 402-746-2796 or Jim Farmer 402-746-2404 or 402-746-2251 i:i :: / i : the declining trend, or be part of the effort to "cause" growth. I mean, if a community is to survive, it must have a quality retail sector and growth in quality, primary Sector jobs. Those jobs depend upon in- dustry having a strong banking relationship. If new industry cannot establish a good banking relationship, there will be no jobs; and the community will continue to decline. Thus, if a bank cannot act with autonomy and flexibility to meet the financial needs of a growing community, the bank "big city" experience may be uncomfortable and intimidating to deal with. Yet, what is the choice? What we are currently doing is just too narrow to survive. Bankers, then, must get the entrepreneurial orientation to be the "packager" of loans for unusual new busineses. "Packaging" means to find a way between the entrepreneur, the community, the state, the federal government and the bank in order to make a loan. A 50 percent success ratio should be acceptable when looking at can single-handedly stop start-up of low volume, high development efforts. So there's margin"niche", a strong case for locally owned Bankers alone SmlflOtbear hanks; or at least banks that thigr.Pt-aging spreads it make loan and investment, out: decisions on a local led. : But the community must take Unfortunately, most rural bankers are not accustomed to evaluating the unique job- creating "niche" businesses that are the future of surviving communities. And most likely the new generation of college educated entrepreneurs with its share with a risk pool for development. If the community does not, you can be assured the hank won't be able to effectively package loans. Unfortunately, most new businesses will then start in the big city, not in your town. UNL specialist supports water quality protection Activation of Nebraska's first testing for sidual nitrogen, special groundwater quality prohibition of fall and winter protection area in southeran Nuckolls County is a progressive step because it seeks to prevent serious con- tamination, rather than repair damage after the fact, said a University of Nebraska-Lincoln water law specialist. Groundwater nitrate levels in the Hardy and Superior areas run between five and 10 parts per million. David Aiken pointed out in a news release distributed statewide. While a level of 10 parts per million is considered unsafe for babies and young animals, levels already are much higher in some other parts of Nebraska. The goal in the Nuckolls County area is to reduce average levels to a safe six parts per million, he explained. The area is jointly administered by the Lower Republican and Little Blue natural resources districts. The plan will be implemented phases,: Aik :' Said. Phase 1, which went into effect last year, requires farmers to practice intensive management on their largest field, the aim of which is to prevent excess soil nitrogen from being leached into groundwater. Required practices include training on fertilizer and irrigation water management, irrigation scheduling, soil fertilizer applications and limiting nitrogen fertilizer applications to UNL- recommended levels. Phase II, scheduled for im- plementation in 1996, will require the same practices on all lald. Phase III, to he im- plemented in the year 2000 if average groundwater nitrate levels still are higher than six parts per million, will require additional practices, such as testing of irrigation water, the Institute of Agriculture and Natural Resouces specialist said. A second groundwater quality protection area was approved in Hitchcock and Red Willow counties in October. A third has been proposed for the York area. Aiken explained that Nebraska natural resources districts have two options when confronted by groundwater prlems, Groundwater geent:'s are con- cerned mbstly th preserving groundwater supplies. They can be implemented locally, without state approval, he said. In the case of special groundwater quality protection areas, the local natural resources districts propose regulations, which are approved by the state en- vironmental control depart- ment. We will offer for sale to the highest bidder at public auction the following described property at the land site, 3 1/2 miles east of Davenport, Neb., on Highway 4, beginning at 1:30 p.m., on Monday, March 30 GENERAL DESCRIPTION: This farm consists of 80 acres more or less of Nuckolls County farmland with approximately 65.8 acres of cropland, the balance in native grass. There are 37.1 acres of land considered under irrigation. There is approximately 46.6 acres grain sorghum base with this land, 11.4 acres wheat base and .8 acre corn base, according to the ASCS figures. Approximately 5 acres of wheat is presently planted on this farm, the balance is open land. The landlord's share of the wheat, which is 1/3, will go with the farm, subject to present tenant's rights to the 1992 crop. The balance of land will be held by present tenant this year and will be rented by the new buyer receiving 1/3 share of the crop and paying for I/3 of all chemicals and fertilizer. Tenant will pay for all the seed and fuel for irrigation. The irrigation well is an older well, approximately 112 feet deep, and is considered a marginal well by the tenant. LEGAL DESCRIPTION: The E 1/2 SW1/4 of Section 16, Township 4 North, Range 5 West of the 6th P.M., in Nuckolls County, Nebraska. TAXES: The 1991 and all prior taxes will be paid by the seller. The 1991 taxes were $1,131.18. POSSESSION: Immediate upon final settlement, subject to tenant's rights for this crop year. Possession of wheat land will be after 1992 wheat harvest, full possession March 1, 1993. TERMS: 20 percent down day of sale with balance due upon receipt of warranty deed and marketable title in approximately 30 days. If title insurance will be used, the costs will be split equally between the buyer and the seller. All announcements day of sale take precedence over printed advertising. ALl information gVen is bel/eved to be true and correct and was gathered from government agency sources; ....  however, neither the owner nor his agent is responsible for any errors or omissions. Please seek your own methods of financing and plan to attend this auction. i I I I I Elmer L. Lang John Lang, power of attorney i L ---408 N C(ntral, PO Box 184, Superior, Neb. 68978 Sale conducted by Gale Mikkelsen .nplete Auction, Real Estate and Appraisal Service . Phone 40279-4464 in The Superior Express NOTICE Estate of Erna M. Schier- meyer, Decemm& Notice is hereby given that on March 11, 1992, in the County Court of Nuckolls County, Nebraska, the Registrar issued a written statement of Informal Probate of the Will of said Deceased and that Dmmld W, Schiermeyer whose address is Box 36, Guide Rock, Neb. 68942 has been appointed Personal Representative of this estate. Creditors of this estate must file their claims with this Court on or before May 19, 1992, or he .aVer barred. 1 ) John A. Wheeland Clerk of the County Court Luebs, Beltzer, Leininger, Smith and Busick Attorney for Applicant 4-2-12-3c First Published March 19, 1992 in The Superior Express LEGAL NOTICE For Information Contact: Barbara Kliment. Executive Director Nebraska Grain Sorghum Development, Utilization and Marketing Board 402-471-42"/6 Legal notice is hereby given that vacancies to the Nebraska Grain Sorghum Development, Utilization and Marketing Board exist for Districts No. 2 and No. 3 and for Member-At- Large. District No. 2 includes the counties of Lancaster, Cass and Otoe. District No. 3 includes the counties of Nuckolls, Thayer, Jefferson and Saline. Any grain sorghum producer interested in appointment to District No. 2 or No. 3 may place his or her name on the can- didacy list for the respective districts by filing a petition with the Board. Qualified. individuals residing within the above- named counties will be eligible. Qualified candidates include those who are citizens of Nebraska, are at least 21 years d age, have been actually engaged in growing grain sorghum in Nebraska for a period of at least five years, and derive a substantial portion of their income from growing grain sorghum. A candidacy petition must carry the s ignatwes Of at least 50 (fiRy) resident-growers of the district for which the can- didate is applying. All petitions must be received by the Grain Sorghum Board not later than 5:00 p.m, June 5, 1992. Petitions can be obtainend by writing to the Nebraska Grain Sorghum Board, P. O. Box 94982, Lincoln, Neb. 68509; or by phoning 402- 471-4276. The Member-At-Large is elected by the Board at the first meeting followin July 17, .1992 when the current term oxtar". Persons wishing to be con- sidered for nomination for Member-At-Large and who meet the qualifications outlined above, may submit a statement of interest to the Board. The statement may be in the form of a letter or resume outlining the candidate's qualifications and declaring their interest in serving on the Board. The Grain Sorghum Board reserves the right to make nominations from the floor for the Memher-At- Large pnsitien. Legion Auxiliary met last Monday at the community center. Legion members were guests for a 7 p.m., legion birth- day supper. The committee was Aria Zabel and Carol Lowery. Mter the meal the business meeting was called to order by President Debra Albers. Prayer was given by Chaplain, Berneta Millar. The Flag Salute was given and two verses of "The Star Spangled Bannex" were sung. The Preamble to the Cemtitutton was recited. Roll showed 10 members present. Thank-yous were read from Special Olympics for donations and from the Grand Island Veterans Home for 200 tray favors for LincoLn's birthday. A letter was received from District II President Do _roth___y Benker. Members decided to send $6 to the county treasurer to be used for postage expenses. The Bloodmobile will be in Davenport March 24 from 10:30 a.m. to 4:30 p.m. Bonnie Dumler reported on the county meeting. Next county meeting will be Sept. 16 in Hebron. A District II een- ventien report was given by Irene Becwar and Mrs. Dumler. A check was received by the unit from the Legion to be used for room rent. Closing prayer was given by Mrs. Miller. Nebraska cancer control survey to begin in March ' Residents of Nuckolls and 17 other counties will be surveyed during the month of March as part of a new research project sponsored by the Nebraska Department of Health. The telephone survey of 1,200 Nebraska families will ask participants about their health awareness, risk behaviors, and ability to access health care. The survey is "part of the "Harvest for a Lifetimet" cancer control project for Nebraska farm families. The goal of the program is to identify and remove harriers to the prevention and early detection of several cancers, according to the administrator of the state cancer control program. The types of cancer targeted by the effort are those affecting the blood (lenkemlas), lymphatic system, (Lym- phomas), and skin, lip, and oral cavity. Farmers have been shown to be a greater risk than the general population for cancers of the stomach, prostate, skin, lip and brain, and for lym- phomas and lenkemias. While the causes for some of these cancers have not been con- elusively identified, leukemias, lymphomas, and cancers of the skin and lip have been linked to environmental and oc- cupational factors. The survey is the first phase of the three-year study. After the results are evaluated, edueatioval materials about the prevention and early detection of will be pilot-tested in several rural Nebraska com- munities. When the study is completed, it will serve as a model for the development and im- plementation of a statewide cancer control project for farm and ranch families. Cmthik} SynTec Systamss Mike Z|emba President Ziemba Roofing Company - Perfect Roofs We were recently inducted into Carlisle SynTec Systems' Applicator Hall of Fame. Our firm has successfully completed over 250 "Perfect 10" single-ply roofing installations. Carlisle SynTec Systems, the leading manufacturer of commercial and industrial roofing materials, has recognized our com- pany as one of the best. Call me and I'll tell you how we can pro- vide a perfect, ,warranted roof for your building at a competitive price. II0010000 g01100tlW 806 West 17th Street EO. Box 2043 Hastings, NE 68902-'2043 402-462-8382 FAX 402-463-6179 [ Traffic Court - Speeding: Aaron E. Wood, $30; Gregg J. Roe, $15; Stanley V. Quy, $15; Shelly George, $15; Gaff E. Kleen, $30; Daniel A. Schoenholz, $15; Thomas W. Marble, $100; Raymond E. Grimm)err, $15; Douglas C. .Huffaker, $15; Lonnie G. Taylor, $30; Kent H. Stones, $15; Leonard H. Wortman, $15; Miclmel R. Kintigh, $15; Harold L. Legrand, $15; Larry G. Koehler, $30; .Timothy P. Karmazin, $100; Curtis D. Abell, $15; Von J. Wehrman, II0; Scott J. Sullivan, $15. Jason B. Ward, no operator's llceme, $50 and costs. Boyd D. Minnick, overweight on axles,  and costs. Chadd A. Watts, exhibition of acceleration, $25 and costs. Dixie L. Buchanan, count one, speeding, $30; count two, no registration, $25; count three, no operator's license on person, $10 and costs. Probate Department Estate of Lauritz M. An- dersen. Inventory. Estate of Frederick D. Bargen. Order admitting will to probate, determination of heirs and appointment of personal representative. Estate of Erna M. Schier-" meyer. Application for probate of will, appointment of personal representative and registrar's statement of prohate. Real Estate Transfers Ivan L. King to Norland E. and Carol I. Melvin. Part SV V4SE 1/4 27--4-6. William C. Block 21, N. Edwin D. to Wendell E. Ahrens. ESWV G, Inc. Part SW4 Robert C. and Trueblood to Carlson. Lot 6 in D ; Subdivision of W I/2NW V4NWV4 Hastings Robert and Part NS 19-4-8. Hastings BranCh, Donald J. SW4 31-4-8. William and .Judy Don and and N Lot 16, Hardy. FirsTier Bank Trustee to et al. SWV 25-4-6. Doris M. Jones t0i and Alice I and 2, Block 6 Second Addition to: Ellea M. Wheeler and Muriel Luhen. Block 6, O. T. Oak. Marris Corey Duane and Leri Ann Married March I] Kenneth Melissa Newell Aksamit as Gregory Lee and Laticia Sue Married Feb. 29 -  - Kenneth Diana Hyde and Dixon as witnesseS. Formoso Republic Pioneers citizens The regular monthly meeting of the RepuBlic Pioneers 4-H Club was held March 2 at the Republic School. Holly Lawson led in the flag salute and 4-H pledge. Roll call "What kind of music do you like?" was an swered by 32 members and two leaders. Members received their 4-H shirts and ribbons. Pizza sales will begin March 16 and continue through April 4. Songs were led by Heather Ktmsman. Tony Hoops gave a project talk on pigs. Katie Childe demonstrated china painting. Kathleen Sweet present&! a show and share on violins. Tricla Malo gave a demmmtratien talk on "Don't Snicker at Snicker Doodles. Kim Malo gave a demonstration talk on "Dressing a teddy bear." Recreation was led by Holly Lawson. Hosts were the Kling and Chatfield families. Youths to attend Americanism conference Marsha Kleen, Shannon Koehier and Amy Buescher, stu- dents at Nelson High School, will be attended the Americanism Youth Conference at Valley Forge, Pa., April 9 through 12. Kleen, a junior, and Keehler, a sophomore, are National Ameri- can Legion Auxiliary winners. Buescher, a senior, is a Depart- ment winner. All will have their conference fees, meals and housing paid. National winners will have part of their travel expense paid by Na- tional. Additional transportation fees for all three will be paid by the American Legion Post and Auxiliary Unit No. 187. Kleen is the daughter of Mr. and Mrs. Gaff Kleen, Ruskin, Koehler is thn daughter of Mr.and Mrs. Randy Koehler, and Bues- cher is the daughter of Mr. and Mrs. Mike Buescher. The Formoso met last at for the Keeler the meal. Vera Charles recognized for days. members gave a dime. A "Experience is She gives the test lesson afterward." Aging report was next meeting will at Randall. Door prizes were Elizabeth Grimm McMillan. The old Hour, with Mrs. emcee spiced up activities. The their talents, which opened "I'm Lookin Over Clover." A beat from a beautiful Howland, told her story. Next an Switzer, read an written for the next number Balch farm as read a St. Patrick's i Lee Kitts played numbers on the was time out for a by Nadine Balch. umateur was with his trick he. town, the Burr jazzed up the shOW clapping and jamboree. most famous likely would go on I Fame. The was Doris Lee Kitts runner up was sey. The played several endof the 6 with hostesses and Watson. FARM AucnoN Because of the death of my husband, I foUowing, located from Guide Rock, Neb. dl 1/4 mile south or from the Webster and Nuckol on Highway 136,1 114 mile south starting at II: Saturday, March LUNC]H[ WIM, B  TRACI'OR & MACHINERY: 1978 While 2-70 diesel Tracto, 3-pt, dual hydraulics, new rubbor, nmv battonos 12-ft chisel; Case 4-16 plow, hydraulic lift; New Hofland No. 55 s Minneapdis Mo]ino 3-pt .bottom ptow; 2 Krause tandem oscs; cultivator, 3-pt; Case 5-ft dvadder, 3@t John C 3 4-wheel trailers, one with box; Bi00x 8-ft., 3-pt, C, halmers 7Jt sidad mower, pull-type; Frnhand FIO loader hay head; Oliver 4-row plantec John Deem dump r ton pidusp, complmo, no lillo; 50-75 line  and BINS, HAY & LIVESTOCK EPMENT:Sioux 1 peneb; wood and steel racks; Cattle oiter;, Roll herb wire TOOES & $CELt."EOt: 3 300-ga fuel tank dl and berrel; Battery charger;, Hand tods;skig saw;Sins" taUe saw Old drill press; B&S motor;, 16.9 x 34 tctor tire; Used tin; beam; Ban; 3 Trmr loads of all typu. This is a dean  OOLLEG'TIBLES: Old hemosses; 8-galk chum, oomptee, dalai December 13, TERMS OF SALE: CASH 0r GOOD CHECK dW settled for. Merchandu at bidders risk alt0r bid-off. Owner an6 responsible for acddentS, lost or slokm propory. All ilom with warranty: An anno,ncemts day of sale rake pmosdos ovor i Hilda Yung, c o o_ .NItONTC_00NtEI00'Y