Bank gets approval


October 17, 1990

WESTMINSTER - Carroll County Bank and Trust Co. has been approved as an unconditional direct endorsement mortgage lender by the U.S. Department of Housing and Urban Development, Baltimore Office, Region III, announced Robert E. Chrest, the bank's senior vice president.

The approval gives the bank the right to underwrite and close mortgage loans without prior HUD review in the Baltimore jurisdiction.

HUD's Baltimore office noted that participation in the Direct Endorsement Program is a privilege accorded only to mortgagees who continue to demonstrate the ability to originate mortgage loans in accordance with HUD underwriting policy.

Chrest also announced the approval of Laurie G. Smith as a direct endorsement underwriter. Smith joined the bank in July 1990 and serves as a mortgage loan underwriter and assistant manager of the residential real estate department.

The bank currently services more than $80 million in mortgage loans outstanding.


HAMPSTEAD -- Employees of Black & Decker recently recognized five of their co-workers for contributions to the company or the community.

The five are: Dee Strevig, accessories; Doris Owens, product service; Steve Grizzell, distribution; Marty Rill, consumer services; Marsha Mixter, inventory.

Each employee received a gift certificate for dinner, preferred parking and other recognition items.


MANCHESTER -- Bill Rohrbaugh's Charter Service Inc. has announced the appointment of Melvin Mills as vice president of corporate operations.

Mills, owner and president of Mills Communications in Westminster, will assume responsibility for Rohrbaugh's staff development and training.

He will oversee the corporate sales teams and actively participate in marketing and promotional programs.

During Rohrbaugh's 18-year history, the business has increased to include 16 motorcoaches, 13 school buses, a full-service travel agency and Baltimore Good Time Tours Sightseeing, plus branch offices in Crownsville, Anne Arundel County, and Baltimore.

Bill Rohrbaugh, owner and president of the corporation, has been active in national memberships that promote and benefit the transportation and travel industry.

He has become a prominent spokesman in local and regional activities dealing with state and federal legislation.

Mills' appointment to the firm will expand the potential for increasing business by allowing Rohrbaugh additional time to pursue his nationwide contacts.

Mills will assume his position Nov. 5.


WESTMINSTER -- The Carroll County Board of Zoning Appeals has denied an appeal of a notice of violation against Rosario D. Rizzo, owner of Dick's Lawn and Garden Center in Eldersburg, for illegally parking business vehicles on a county road right-of-way.

The board denied the appeal based on the applicable laws pertaining to land use provisions for local business district zoning.

The findings showed that Rizzo parked his vehicles outside a chain-link fence surrounding his business at Liberty Road and Monroe Avenue, thus violating the approved site plans for the business.

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