November 21, 1990


WESTMINSTER - Cranberry Mall is gearing up for the Christmas holidays with several special events.

* The Cranberry Christmas Corner, a special store where children 12 and under can do their holiday shopping, will open for business Dec. 1 in Center Court.

Personal shoppers will be available to help with the hard-to-choose gifts, which can be wrapped by the children free of charge.

The store provides a safe, fun-filled environment where children can experience independence and learn the value of money.

The Cranberry Christmas Corner will be open Dec. 1-2, 7-9 and 14-24.

* Bring the address of your loved one serving overseas to Santa and Garfield's home at Center Court. Your child (12 and under) can have a free photo taken, which the mall will mail for you. This offer is available through the holiday season.

* The mall also will sponsor Breakfast with Santa, 9-10 a.m. Dec. 1, 8 and 15, in Caldor Court. Sponsored by Everything Yogurt/Bananas and T.J.

Cinnamon's, the breakfast will be served to children 12 and under by reservation only.

To make breakfast reservations, call 876-8870.

Information: 857-5668.


The country has been in a recession for 18 months, and the downturn probably will last another nine months, a business consultant told county home builders last week.

"Everyone is really in the same boat. It's not news to anybody that the market's in trouble," said Cynthia Kemplin, president of Kemplin Group in Columbia, Howard County.

Businesses must use the slowdown to their advantage, she said.

"It's a good learning experience. Anybody can make money in a healthy economy," Kemplin told about 20 members of the Carroll County Chapter of the Home Builders Association of Maryland.

"If you don't have a healthy set of books, make it a priority to do so. The economy is very unforgiving right now. Miscalculations in cash flow can be fatal. Secure your business with low overhead and cautious spending. Get liquid," Kemplin said.

She encouraged the home builders to explore other options if the homes they usually build aren't selling. Try remodeling, home inspections, client workshops and low-income housing financed by the government, she said.

A slow economy means good deals are available, she said.

"You can negotiate just about anything right now with some people," Kemplin said.


WESTMINSTER -- Thomas K. Ferguson, president and chief executive officer of Carroll County Bank and Trust Co., reported that the bank's earnings for the third quarter of 1990 totaled $1,146,903, a 65.2 percent increase over the same period in 1989.

Earnings for the year as of Sept. 30 totaled $2,834,422, up 38.1 percent over 1989.

As of Sept. 30, the bank's assets were $420.1 million, an increase of $28 million, or 7.1 percent, over 1989. Total loans grew by 8.6 percent, to $253.5 million. Deposits totaled $347.1 million, up 8.5 percent over 1989, he said.

The bank's equity capital, which is an indicator of its strength and soundness, stands at $31,580,493, up 9.6 percent over the third quarter of 1989.

The capital ratio was 7.94 percent at the end of the third quarter, substantially exceeding the regulatory guidelines now in place.

Carroll County Bank and Trust, headquartered in Westminster, operates 12 offices in the county, plus one in Howard County. The bank also operates a wholly owned subsidiary, Carrollco Insurance Agency Inc.


SYKESVILLE -- A class of six nurses completed a refresher program for inactive RNs and LPNs Oct. 24 at Fairhaven, an accredited Continuing Care Retirement Community.

The program is the first refresher course offered in a long-term care facility to receive approval from the Board of Nursing since the passage of a July 1989 law.

The law mandates the completion of 1,000 hours of active nursing practice during the five-year period just prior to license renewal.

The course is offered three days a week for a total of six weeks. The next program is scheduled to begin in January, with subsequent programs planned for March and April.

Information: 795-8800.

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