Free Government Grants

and LoansTable of Contents

Click on a topic below to be taken directly to that section

CHAPTER 1Overview How To Write Your Proposal Grant Request Finding A Funding Resource

Proposal Checklist Why Proposal = s Fail

Letter of Appeal A Wide Assortment Of Research GrantsSpecial Emphasis Outreach Program Grants for Agricultural Research

Free Foundation Grants For Personal Needs

Education Grant AssistanceVenture Capital Sources

CHAPTER 2Free Federal Money For Businesses

Small Business Assistance Grant Sources

Small Business Development Centers

Low Interest Loans To Start A BusinessIn A Small Town

Unconventional Loan Programs

State Women Business Assistance Programs

Foundation grants For Business Related PurposesEmployee Grants... Home Repair... Elderly and MoreFree Money for Housing and Real Estate VenturesAdditional Sources for Money to Fix Up Your HomeFoundation Grants For Foreign Individuals

Other Small Business Administration OfficesMost Frequently Asked Questions

Sample Letter

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CHAPTER 1

OVERVIEW

We read nearly every day about government spending, but many of us do not realize that we might be eligible to receive some of the money the government gives away every year. There are thousands of grant programs for established businesses and newcomers. Whether it=s to develop a unique invention, continue or change your career path through education, work at your artistic vocation or simply obtaining help with living expenses, there are numerous sources out there for you to tap into.

But how to identify them? This is the bigger stumbling block to those that even think they might qualify for government funds in some way. But the key to obtaining grant money is not a giant secret. Generally, if you are an organized, detail-oriented person who can follow instructions, chances are you could qualify for a grant.

There is even a bimonthly magazine you can subscribe to called Humanities, which is published by the National Endowment for the Humanities, 1100 Pennsylvania Avenue, NW, Room 410, Washington, D.C. 20506, phone number (202) 606-8443. This publication features listings of recent grants by discipline, a calendar detailing application, grant deadlines and guide sections for those who are thinking of applying for a National Endowment of the Humanities grant -- and there are many! This magazine can give you tips to help you qualify!

Grant money can provide you with the independence you need to start your own business, expand or launch you on a new career destination. These dollars can help you acquire schooling you=ve either lacked or need to change course.

All it takes is organizational skill, the ability to write a proper grant proposal and knowing who to write to for applications. This booklet will be your guide and can improve your chances of securing grant money.

Let's start with the Government, there are federal level programs and state level programs. Federal Programs have billions of dollars available for new businesses start-up, expansion, medical, personal, inventions, research, and pretty much anything you can think of. The Federal Government resources are eminence not only for grants and loans, but for information. Example: If your business is growing corn, you need specific things to make your business grow. For example, you may want to know about new technology on seeding and fertilization. The Department of Agriculture has experts on how to grow corn effectively.

If you want to expand your customer base, the Government does research on other parts of the country that consumes more corn than others, where in the world corn is in demand, and where the shortages are. If you need legal help with exporting your product overseas, you need to know the countries tariff's laws. And import restrictions. The government has the answers to these questions. They are the ones that write the laws and know the laws of the other countries.

Virtually any type of information you need to get started with your project is available through the Federal Government Private Foundation's on the other hand are organizations created by large Corporations, they assistcommunities with funding for a wide variety of purposes. Their funding is limited to the guidelines outlined by theFounder and the Grant Administrator.

How to start: Start by choosing one or several organizations from this guide and start making yourcontacts. If you are not able to find a certain organization, go to your Public Library and take a look at theCatalog of Federal Domestic Assistance, this is basically a master index of all Government programs thatis updated every six months.

Secondly, Start making contacts by either calling or writing to them and asking for all the necessary information for the agencies funding criteria. At first, please refrain from asking too many questions in your initial request. Keep your request only to asking for applications and guidelines. Remember, if your contact tells you they cannot help you with your project, just ask if you can be referred to an agency that can help. They may or may not know. Not every person knows what the government has to offer. In order to establish the right contact it may take several phone calls or letters.

Remember don't burn any bridges on your pursuit, it may seem like your getting the run around, but the only way you can get anywhere with the Government is to be friendly and offer a positive attitude to everyone you talk to.Otherwise you may be dead in the water. After you have an established contact, ask them to send information regarding their guidelines and applications for funding. Read them thoroughly to enforce any advantages you can use to further pursue your project.

When you find out that your project fits in their funding criteria, this is when you start on your proposal or letter of appeal, submit letter to as many agencies you can find. Being accepted by several agencies is not a bad thing. Please use this directory as a guideline. There will always be people and hurtles in your way. Please be patient, but persistent.

Congratulations, you have just taken the first step to obtaining the money to finance your dreams Top

HOW TO WRITE YOUR PROPOSAL

Writing a grant proposal can be as simple as following the directions in your application packet. Add a little flare and your grant application can stand out, making your chances of selection better.

Every agency bestowing grants has different rules for application which is why reading the packet you receive thoroughly is so important. The government is a stickler for details, so if you can=t follow directions or make just one small mistake, your application will be disqualified.

There are reference sources in your library to consult about grant proposal writing in addition to the advice given here. It=s best to read as much as you can in preparation for your grant writing duties.

If you are requesting a grant for a specific idea or project, contact the agency after you receive the packet to see if they have recently awarded any grants for this type of work. If they have, it may be that no further grant money is available for that project. You will then have to come up with another idea to obtain your dollars.

Whatever your idea, try to enlist written support from individuals in your community who may know you and like your idea. Letters written by your local government, community and business leaders improves your chances of receiving the award. Federal grant money may actually require these letters of endorsement. Your application packet will inform you of the specific requirements.

Even if not required, support letters are encouraged. It gives further credence to your idea and may make the difference if the grant award comes down to a couple of applications and the agency is forced to choose.

If you have a partner or two who have a different expertise than you, add their names and qualifications to the overall proposal. Having assistance on the project often encourages agencies who make grants available as the project=s chances of completion are heightened.

Relating your idea(s) to the agency individual agents who will be considering your grant request is a sound move. Many of these employees have been there a substantial length of time and will be well-versed in the ins and outs of obtaining grants. They often appreciate that you asked their advice up front and can do wonders for you in terms of saving time and effort.

You could make it convenient, if it=s a local agency you can make a personal visit to that agency to meet the individuals who will be considering your proposal. There may be pertinent reference information in the agency which can help you with your proposal.

By all means, stay in contact with these people, especially if they work in the agency to whom you will be submitting your bid(s). Even if you don=t get a positive response on the first grant proposal, keep in touch! They can often tip you off to what future projects have a chance of being funded. If it=s in your area of expertise, you have an inside track to the next funds availability.

You will likely not be the only one writing for grant money, so you have to do a better job of it than your competitor. By making sure that there is:

- a need for your idea or project;

- sufficient research done on your part to satisfy the grantors;

- no question that you are the best candidate to receive the grant;

- time for you to spend reviewing the application process and preparing your grant proposal;

Then you will be ready to write your first proposal draft

Top

GRANT REQUEST

There are two documents you need when requesting a grant, The Grant Proposal and The Letter Of Appeal.

Some Foundations would rather work with an organization than with an individual. If this is the case, you would greatly increase your chances of getting a grant, if you create a non-profit organization.

First file a certificate for a non-profit organization with the Secretary of State. Next, file an application with the IRS and Treasury Department. For detailed information on steps to creating a non-profit, we recommend this publication: HOW TO FORM A NON-PROFIT CORPORATION - BERKELEY, CA. NOLO PRESS.

Here are the essential parts of a grant proposal:

1. Summary. This generally outlines the proposed idea or project and is naturally slotted for the opening paragraph. Keep it both brief and interesting. It will be the first impression the grantor(s) will have of you and your abilities, so work hard on this part of the document. Poorly written, this opener could end your chances immediately. Conversely, well-written beginnings are encouraging to the reader(s) and improve on your chances. Be sure only your key points are in this portion. Don=t oversell it with too much detail. Make this part easy to read, but informative.

2. About You (and your Business). The next section summarizes your qualifications and those of any others that will be working with you. You may want to include up to date biographies of all involved. Let the grantor(s) know about your recent work and success, especially if you=ve been successful with any other grant program.

3. Problem Statement. This is where you summarize the need for this project or idea. You will need to note your idea=s purpose, who will benefit, how they will benefit, what social-economic area will be affected, hard data supporting the nature of the problem, what is currently being done (or not done) about the problem, what will happen if your idea is not funded and implemented and how you intend to solve the problem. This may be the longest part of your proposal. Get any supporting documents you need from local community and government organizations. Be sure you can defend all your thoughts contained in this section. It=s the what, why and how of the grant proposal.

4. Objectives. These are the actual means by which you will solve the problem you outlined in step #3. Outline them in detail, provide cost analyses of each to support your funding request and lay them out in logical, sequential order. The agency will periodically review the progress of your project or idea once the grant is given and it will likely be these actual objective points that will be used to measure your work.

5. Detailed Objectives. While step #4 provided a summary of your objectives, all of the activities relating to accomplishing these objectives will be laid out in detail here. This could include dates, resources needed, staff needed, progress checkpoints, relevant diagrams, charts or drawings and all relevant detail. Highlight any innovative work that will be used to help accomplish your objectives. Provide any reference material necessary to back up your details.

6. Evaluation. Here, you will need to identify the results that will come from the project. You briefly stated these in your opening, but more specifics will be needed here. The only way to evaluate the project may be from seeing if it meets the results expected. You are solving a problem, after all, so your results should be your solutions and their resulting benefits. Some agencies have standard evaluation techniques, so be sure you reference those here if that is the case.

7. Future Funding. What will happen to the idea or project once finished? If it is self-completing, say so. If further maintenance will have to be done to keep the problem at bay, record how this is to be funded. You might be able to arrange for local support once the initial funding is depleted and the problem solved if it is something that requires ongoing work.

8. Budget. While it would be nice to see the grant money fund the full cost of your idea or project, current federal budget cuts may not make that feasible. If you are securing other funding or have a plan for money to pick up the additional expenses of the project, let the agency know that. Write out a detailed budget listing (and justifying) the assorted expenses. You may receive all of the funding you need from the one grant, butyou really shouldn=t count on it. It=s often easier to secure government funding if you have also tapped into other sources to help cover the costs, even if it=s a small investment on your (and, if applicable, your partners=) part.

While these are the key elements of a proposal you will write, get as much help as you need depending on the size of the project. Obtain as much input from area experts as you need before writing the proposal. They might have excellent suggestions and could play a role in helping you to complete the various activities associated with accomplishing your stated objectives. They might even be helpful in writing certain aspects of the proposal, especially the details of the work and tasks necessary to meet your objectives.

Do a first draft. Then -- get feedback! Give it to people who have helped you, or whom you trust to be properly judgmental about it. The best writing is done during the rewriting phase, so it=s important to have people take a critical look at your first draft. You=re too close to be thoroughly objective. That=s O.K.! Just know that you should get others to help you analyze your initial work in preparation for a second draft.

Go through the same process with your second draft. This should be shorter and less feedback should come in if you elicited enough comments the first time around.

Make any changes necessary and get it to final draft form. Then have it proofread and bound into a booklet for submission purposes. You=re ready to submit!

Remember that the grant should be written after you=ve obtained the agency=s application and grant guideline forms. There are many places to contact for potential grant information, and your decision should be closely allied with your skills and interests. The following list should help get you started isolating the agencies you fell are best possibilities for you.

FINDING A FUNDING RESOURCE Top

Review your catalog program the Grant Agency sends you. Special emphasis should be placed on the Objective and Uses and Use Restrictions sections of the Catalog. The description can tell you which programs might provide funding for an idea.. Do not overlook the related programs as potential resources. Both the applicant and the grantor agency should have the same interests, intentions, and needs if a proposal is to be considered an acceptable candidate for funding.

When a potential grantor agency is identified, call the contact telephone number identified in Information Contacts and ask for a Agrant application kit@. Get to know some of the grantor agency personnel. Ask for suggestions, criticisms, and advice about the proposed projects. In some cases, the more the agency personnel know about the proposal, the better the chance of support and of an eventual favorable decision. Sometimes it is useful to send the proposal summary to a specific agency official in a separate cover letter, and ask for review and comment at the earliest possible convenience.

Always check with the Federal agency to determine it=s preference if this approach is under consideration. If the review is unfavorable and differences cannot be resolved, ask the examining agency or the official to suggest another department or agency which may be interested in the proposal. A personal visit to the agency=s regional office or headquarters is also important. A visit not only establishes face-to-face contact, but also may bring out some essential details about the proposal or help secure literature and references from the agency=s library.

Government agencies are required to report funding information as funds are approved, increased or decreased among projects within a given State depending on the type of required reporting. Also, consider reviewing the Federal and State budgets for the current and budget fiscal years to determine proposed dollars amounts for particular budget functions.

Study the eligibility requirements for each Federal or State Government program under consideration. The applicant may learn

that he or she is required to provide services otherwise unintended such as a service to particular client groups, or involvement of specific institutions. It may necessitate the modifications of the original concept in order for the project to be eligible for funding. Questions about eligibility should be discussed with the appropriate program officer.

Deadlines for submitting applications are often not negotiable. They are usually associated with strict timetables for agency review. Some programs have more than one application deadline during the fiscal year. Applicants should plan proposal development around the established deadlines.

PROPOSAL CHECKLIST Top1. Confirm that the foundation/government source is interested in receiving your proposal.2. Have the people you plan to serve been involved in planning the project. The proposal should reflect their involvement.3. Does your proposal include information on other individuals or organizations working with your project?4. Have I followed my funding sources guidelines to the tee?5. Have I outlined and highlighted innovative features of my project to set it apart from others?6. Has my draft been reviewed by a impartial party for clarity and understanding?7. Have I accurately outlined my budget? Are all budget items complete and my math correct?8. Has my proposal been proof read and free of typos?9. Have copies of my proposal been distributed to other project participants?

WHY PROPOSAL=S FAIL Top

1. The funding source did not request a proposal.2. The project you proposed is not convincing or well documented.3. Your proposal is poorly written, confusing or difficult to follow.4. Your objectives are not within the interest of the funder.5. Your proposal=s documentation is not convincing to funder=s interest.6. Your goals and objectives appear to be unrealistic or overly ambitious.7. Your budget is incomplete.8. Your budget is to high for that particular funding agency.9. Your proposal does not follow their guidelines.10. There=s know indication that your project can be sustained beyond the funding period. LETTER OF APPEAL Top A letter of appeal is a summary of a proposal. Generally, if a small amount of money under $2,500.00 is requested a letter of appeal will usually be sufficient. For larger sums of money send both the proposal and letter of appeal. Your letter of appeal should be brief and to the point, long and unorganized letters could get passed by. Your letter of appeal should be composed in such a way as to grab the attention of the grantor. This will be your first impression, you should make it count.The letter of appeal, outlines your program/project in a clear unambiguous and a concise way. The following should be included.

A. The Proposal B. A Statement of the Need C. Evidence of the NeedD. How The Need Will Be Met E. Your Total Cost F. Amount RequestedG. Complete List Of Other Supporters and Proposed Supporters H. Duration Of Program Or Project I. Staff Capabilities J. Future FundingK. Description Of The Individual, Corporation Or Organization 1. How The Organization Began, 2. How Long Has It Existed, 3. Significant Accomplishments4. Support Received From Other Organizations.

THE WIDE ASSORTMENT OF RESEARCH GRANTS

Top

Research opportunities exist in virtually every field imaginable. The proposal writing for this may not have to be as in-depth as a field project, but significant information is necessary and it=s a good idea to follow your proposal format without regard to the type of grant being sought. The more complete -- the better!

Special Emphasis Outreach Program Grants for Agricultural ResearchTop

Grants Research GrantsOffice of Advocacy and Enterprise Administrator, Cooperative State Resr.US Dept. of Agriculture Service, US Dept. of Agriculture14th and Independence Ave., SW 14th and Independence Ave., SWWashington, D.C. 20250 Washington, D.C. 20250 Cooperative Forestry Research Grants for Agricultural ResearchAdministrator, Cooperative State Competitive Research GrantsResearch Service Chief Scientist, Competitive Res.

Grants14th and Independence Ave., SW Rm. 323, 14th and Independence Ave.Washington, D.C. 20250 Washington, D.C. 20250Animal Health and Disease Research Higher Education Strengthening GrantsU.S. Dept. of Agriculture U.S. Dept. of AgricultureWashington, D.C. 20250 Washington, D.C. 20250

Sustainable Agriculture Research Technical Agricultural Assistanceand Education Office of International

Cooperation andAdministrator, Cooperative State DevelopmentResearch Service Technical Assistance DivisionU.S. Department of Agriculture U.S. Dept. of AgricultureWashington, D.C. 20250 Washington, D.C. 20250

Interjurisdictional Fisheries Act of 1986 Sea Grant SupportDirector, Office of Fisheries Director, National Sea Grant College Conservation & Management ProgramNational Marine Fisheries Service National Oceanic and Atmospheric Admin.1335 East-West Highway 1335 East-West HighwaySilver Spring, MD. 20920 Silver Spring, MD. 20920

Marine Sanctuary Program Undersea ResearchChief, Sanctuaries & Reserves Div. Director, Office of Undersea ResearchOffice of Ocean and Coastal Resource National Oceanic and AtmosphericManagement AdministrationNational Ocean Service, NOAA 1335 East-West Highway1825 Conn. Ave., NW Room 714 Silver Spring, MD. 20910Washington, D.C. Climate & Atmospheric Research Measurement & Engineering ResearchDirector, Office of Global Programs and StandardsNational Oceanic & Atmospheric Admin. National Institute of Standards and1335 East-West Highway TechnologySilver Spring, MD. 20910 Gaithersburg, MD. 20899

Regional Centers for the Transfer of Minority Business Development CentersManufacturing Technology Assistant Director, Office of OperationsDirector, NIST MTC Program Room 5063, Minority Business Dev. Agcy.

Room B112 U.S. Department of CommerceChemistry Bldg., NIST 14th & Constitution Ave., NWGaithersburg, MD. 20899 Washington, D.C. 20230 (202)482-3261

Maternal & Child Health Federal Adolescent Family Life Research GrantsConsolidated Programs (SPRANS) Office of Adolescent Pregnancy ProgramsMaternal & Child Health Bureau Office of Population AffairsHRSA, Public Health Service Office of the Ass=t Secretary of HealthRoom 9-11, 5600 Fishers Lane Hubert Humphrey Building Rockville, nRockville MD.20852 200 Independence Avenue, SW 736E Washington, D.C. 20201

Food and Drug Administration Research Biological Response to EnvironmentalGrants & Assistance Agreements Section Health HazardsDivision of Contracts and Grants Director, Div. of Extramural Research andFood and Drug Administration Training, Nat=l Institute of Environmental HFA-520, Room 3-20 Health Science, Public Health ServiceParklawn Bldg., 5600 Fishers Lane Dept. of Health & Human ServicesRockville, MD. 20852 P.O. Box 12233 Research Triangle Park,

NC 27709 Applied Toxicological Research & Biometry and Risk Estimation -- Health Testing Risks from

Environmental ExposuresDirector, Division of Extramural Director, Division of ExtramuralResearch & Training Research & TrainingNational Institute of Environmental National Institute of EnvironmentalHealth Sciences Health SciencesPublic Health Service Public Health ServiceDept. of Health & Human Services Department of Health & Human ServicesP.O. Box 12233 P.O. Box 12233Research Triangle Park, NC 27709 Research Triangle Park, NC. 27709

AIDS Activity Oral Disease & Disorders Research

Grants Management Branch Extramural ProgramProcurement & Grants Office National Institute of Dental ResearchCenters for Disease Control National Institutes of HealthDept. of Health & Human Services Bethesda, MD. 20892255 E. Paces Ferry Road, NEAtlanta, GA 30305

AIDS Education and Training Ctrs. Injury Prevention & Control Research Director, Division of Medicine ProjectsBureau of Health Professions Division of Injury Epidemiology & ControlHealth Resources and Services Admin. Center for Environmental Health & InjuryRoom 4C05 Control5600 Fishers Lane Center for Disease ControlRockville, MD. 20857 Public Health Service, Atlanta, GA. 30333

Conference Grant (Substance Abuse) Health Services Research & DevelopmentOffice for Substance Abuse Prevention GrantsAlcohol, Drug Abuse & Mental Health Agency for Health Care Policy and ResearchAdministration, Rockwell II Bldg. PHS, DHHS, Suite 601, Exec. Office Center5600 Fishers Lane 2101 E. Jefferson StreetRockville, MD. 20857 Rockville, MD. 20852

Mental Health Research Grants Occupational Safety & Health Research

Director, Division of Basic Brain & GrantsBehavioral Sciences Procurement & Grants Office, CDCNational Inst. of Mental Health DHHS, 255 E. Paces Ferry Rd., NE5600 Fishers Lane MS-E14Rockville, MD. 20857 Atlanta, GA. 30333

General Clinical Research Centers Biomedical Research TechnologyGeneral Clinical Research Ctrs. Program Biomedical Research Technology ProgramNat=l Center for Research Resources National Center for Research ResourcesNational Institutes of Health National Institutes of HealthBethesda, MD. 20892 Bethesda, MD. 20892

Head Start Social Services Research & Development

Admin. for Children, Youth & Families Director, Div. of Research & EvaluationHead Start Office of Policy & EvaluationU.S. Dept. of Health & Human Services Administration of Children & FamiliesP.O. Box 1182 Room 334-C, L=Enfant

Promenade, SWWashington, D.C. 20013 Washington, D.C. 20201

Social Security - Research & Population ResearchDemonstration Chief, Office of Grants & ContractsChief, Grants Management Staff National Institute of Child Health &Office of Acquisition and Grants, ODCM Human DevelopmentSoc. Sec. Admin., 1-E-4 National Institutes of Health1710 Gwynn Oak Avenue Bethesda, MD. 20892Baltimore, MD. 21207

Aging Research Research for Mothers & ChildrenDirector Chief, Office of Grants

and ContractsNational Institute of Aging, NIH Nat=l Inst. of Child Health & Human Devel.Bethesda, MD. 20892 National Institutes of Health

Bethesda, MD. 20892Employment & Training Research Promotion of the Humanities - Regrantsand Development Projects Centers for Advanced StudyChief, Division of Research & Division of Research ProgramsDemonstration, Employment & Centers for Advanced Study, Room 318Training Administration National Endowment for the HumanitiesU.S. Dept. of Labor Washington, D.C. 20506Washington, D.C. 20210

Engineering Grants Mathematical & Physical SciencesProgram Analyst, Directorate for Ass=t Director, Mathematical & PhysicalEngineering SciencesNational Science Foundation National Science FoundationRm. 1126e, 1800 G St. NW 1800 G ST NWWashington, D.C. 20550 Washington, D.C. 20550

Safe Drinking Water Research & Toxic Substances ResearchDemonstration Director, Research Grants StaffDirector, Office of Research Grants RD-675, EPARD-675, EPA Washington, D.C. 20460Washington, D.C. 20460

Energy-Related Inventions Minority Educational Institution ResearchDirector, Office of Technology Travel FundEvaluation and Assessment Office of Minority Economic ImpactNational Institute of Standards MI-2.2, DOE, Forrestal Bldg. Room 5B-110and Technology Washington, D.C. 20585Gaithersburg, MD. 20899

Fossil Energy Research & Develop. Environmental RestorationDirector, Dept. of Energy Office of Environmental RestorationFossil Energy Program, FE-122 Office of Restoration & Waste ManagementGermantown, MD. 20545 Dept. of Energy

Washington, D.C. 20545

Free Foundation Grants For Personal Needs Top

Minnesota State Soldiers Assistance FundMinnesota Department of Veterans AffairsVeterans Service Building20 W. 12th Street, (612)296-2562St. Paul, MN 55155-2079P/D: To provide emergency financial assistance to disabled veterans and their families in Minnesota. To be eligible for assistance, the veteran must be disabled and prevented from working, the disability must be temporary in nature and the veteran must be able to resume his or her normal occupation once returned to health. The funds are to be used to provide food and shelter, as well as to cover utility payments. Contact foundation for further details. Applications may be submitted at any time.

Armory S. Carhart Memorial Fundc/o The Fauquier BankP.O. Box 561Warrenton, VA 22186Application Address:c/o Margaret A. Wilson, TrusteeP.O. Box 630 (540)349-0223Warrenton, VA 22186-0630P/D: Financial assistance to persons who have incurred injury, illness or disability following activities in a fox hunt, hunter trail, horse show, hound trail, field trail steeplechase, point to point, hunt race, pony rally, or any similar activity.

Navarro County Health Services FoundP.O. Box 1022Corsicana, TX 75151Application Address:c/o Carol MyersNavarro Regional HospitalWest Hwy 22 (903)872-4861Corsicana, TX 75110 orc/o Jo Ann Means121 N. Main Street, (903)872-8181Corsicana, TX 75110P/D: Funds are distributed directly to Navarro Regional Hospital on behalf of recipients. The financial resources of all recipients are below the Dept. of Health and Human Services Poverty Income Guidelines. Assistance to indigent Navarro County, TX residents of at least one year for medical expenses incurred at Navarro Regional Hospital. Applicant=s must be referred by a physician, a health care agency, or the hospital. Referrals accepted throughout the year. Completion of formal application required.

South Carolina Homestead Tax Exemption Program

South Carolina Comptroller GeneralAttn: Local Government DivisionP.O. Box 11228 (803)734-2137Columbia, SC 29211P/D: To establish a homestead exemption for South Carolina residents who are elderly, disabled, or blind. Legal residents of South Carolina who own a house or mobile home are eligible for this exemption if they are aged 65 or older, totally and permanently disabled or legally blind. Spouses of deceased persons who were eligible also qualify to receive the exemption if they were at least 50 years of age when their spouse died. The exemption continues as long as the homeowners live in their primary residence in South Carolina.

Volkswagen Mobility Access ProgramVolkswagen United States, Inc.3800 Hamlin Road, (800)822-8987Auburn Hills, MI 48326P/D: To provide financial assistance for the purchase of a Volkswagen minivan for the orthopedically disabled. This offer is open to the disabled or anyone else purchasing a Volkswagen minivan to transport or drive a full-time wheelchair user.

The Weinglass Foundation, Inc.Two Hopkins Plaza, No. 802Baltimore, MD 21201Application Address:Deborah Layman, Admin. Exec.3300 Fashion Way, (410)538-1000ext.2240Joppa, MD 21085P/D; Grants to individuals, primarily for medical treatment and related expenses. Application accepted throughout the year. Initial approach by letter.

Children=s Wish Foundation GrantsChildren=s Wish Foundation International7840 Roswell Road, Suite 301P.O. Box 28785Atlanta, GA 30358(404)393-WISH or (800)323-WISHP/D: To fulfill the wishes of terminally ill children. This program is aimed at children in the United States or Europe, up to the age of 18, who are facing life threatening illnesses. The amount varies, depending upon the cost of filling the child=s dream. Applications may be submitted at any time.

Laurendeau Foundation for Cancer Care2700 Iron Street, (360)671-7854Bellingham, WA 98225P/D: Grants to individuals residing in Bellingham, WA for outpatient cancer care. Completion of formal application required.Contact: Joanne Gardner, Manager

Questar Corporate Giving Program180 E. First South StreetP.O. Box 11150 (801)534-5435Salt Lake City, UT 84147P/D: Funding interest include the aged, medical and health services, education, the disadvantaged, and arts and culture. Initial approach by letter.

Mid-Iowa Health Foundation550 39th Street, Ste., 104Des Moines, IA 50312 (515)277-6411P/D: Grant to fund health related service projects including drug abuse, mental health, and nutrition. Initial approach by letter. Contact: Kathryn Bradley

West Virginia Homestead ExemptionDepartment of Tax and Revenue

Attn: Taxpayer Services DivisionP.O. Box 2389 (304)558-3333Charleston, WV 25328-2389P/D: To provide a partial exemption of property taxes on residences owned by disabled or elderly persons and retired veterans in West Virginia. Eligible for this exemption are single-family residences owned and occupied by any person who is permanently and totally disabled or at least 65 years old. Applicant=s must have been West Virginia residents for 2 consecutive calendar years prior to the tax year to which the exemption relates. Members of the U.S. military forces who maintain West Virginia as state of residence throughout military service and return to the state to purchase a homestead upon retirement or separation from the military because of permanent and total disability are considered to meet the residency requirement and also qualify for this exemption.

Alexandra Eastman Foundationc/o New Hampshire Charitable FundOne South Street, P.O. Box 1335Concord, NH 03302 (603)225-6641P/D: Seeks to improve the quality and availability of health care and to promote the health and well-being of residents of the greater Derry, New Hampshire area. Initial approach by letter. Contact: Deborah Cowan, Program Director

National Association For The Craniofacially Handicapped Grants-In AidNational Association for the Craniofacially HandicappedP.O. Box 11082 (615)266-1632Chattanooga, TN 37401P/D: To provide travel expenses for persons with severe facial deformities who travel to comprehensive medical centers for reconstructive facial surgery. Persons with craniofacial deformities resulting from birth defects, injury, or disease are eligible to apply for these grants in aid if they need to travel to comprehensive medical centers to undergo reconstructive facial surgery. Funds are available for transportation, food, lodging, parking, and tolls related to securing or undergoing treatment. No medical costs are covered. Grants also provide for 1 accompanying person for each trip. Application may be submitted at any time.

Vermont Emergency Assistance For Disabled and Needy VeteransState Veterans Affairs120 State Street, (802)828-3379Montpelier, VT 05620-4401P/D: To provide emergency financial assistance to disabled needy Vermont veterans or their dependents. Eligible to apply for this assistance are veterans and their dependents, if the veteran is both disabled and poor, served for at least 90 days (unless discharged earlier because of disability or the convenience of the government), has been a resident of Vermont for at least 1 year prior to application, and was discharged under conditions other than dishonorable. Applications may be submitted at any time.

Pennsylvania Blind Veterans PensionBureau of Veterans AffairsFort Indiantown Gap, (717)865-8911Annville, PA 17003-5002P/D: To provide financial assistance to blind residents of Pennsylvania who lost their sight while serving in the U.S. armed forces. Persons who have 3/60 or 10/200 or less normal vision are eligible if they are honorably discharged veterans who were residents of PA when they joined the U.S. armed forces and whose blindness resulted from a service connected injury or disease. Applications may be submitted at any time.

Alabama Ad Valorem Tax Exemption for the BlindAlabama Department of RevenueAttn: Ad Valorem Tax DivisionGordon Persons Building, Room 4126Montgomery, AL 36132-7210(334)242-1525P/D: To exempt residents who are legally blind from a portion of ad valorem property taxes in Alabama from ad valorem property taxes imposed by counties. Residents of Alabama are eligible to apply if they are over the age of 65 and have a net annual income of $12,000 or less for income tax purposes for the preceding year or are retired due to permanent and total disability regardless of age, or are blind, or retirement status. Must meet eligibility requirements.

R. H. Wilkin Charitable Trust Program

R.H. Wilkin Charitable TrustAttn: Peggy PittmanP.O. Box 76561 (405)235-7700Oklahoma City, OK 73147P/D: To provide financial support for needy, crippled children residing in Oklahoma County, OK. Funds are made available to maintain, improve or retard the deterioration of the physical, mental, or emotional health and well-being of the recipients. Expenditure may include physical and psychiatric examinations, physical therapy, occupation therapy, wheelchairs, crutches, braces, prosthetic devices, blood and vital organs, food, clothing and shelter. The amount provided to each recipient varies, depending upon individual needs and the funds available to the trust. Application may be submitted at any time.

Federal Income Tax Deduction for Child and Dependent Care ExpensesInternal Revenue Service, Service Headqrts.1111 Constitution Avenue, N.W.Washington, DC 20224 (800)TAX-FORMP/D: To provide a federal income tax credit of a portion of the expenses of caring for a child. Eligible for this credit are U.S. citizens or residents who have earned income and who live with a qualifying dependent who was either a) under the age of 13. b) a spouse who was physically or mentally unable to care for himself or herself. c) another dependent who was physically or mentally unable to care for himself /herself and for whom the taxpayer can claim an exemption. Qualifying expenses. Schooling, care outside the home, transportation and household services.

North Carolina Income Tax Relief for Disabled Veterans Division of Veterans AffairsAlbermarle Building, Suite 1065325 N. Salisbury Street, (919)733-3851Raleigh, NC 27603-5941P/D: To provide income tax relief to disabled N.C veterans. Any assessment of income tax due prior to the time a person was inducted into the armed forces will be cancelled if the serviceperson is receiving service-connected disability compensation. Disability payments to veterans by reason of service in the armed forces need not be reported for income tax purposes. Grants by the U.S. Department of Veterans Affairs for motor vehicles for veterans who lost their sight or the use of their limbs are exempt from state income taxation. Grants by the VA to seriously disabled veterans for homes designed for wheelchair living are also exempt from North Carolina income taxation. The exemptions continue as long as the eligible veteran is a resident of NC.

North Dakota Tax Refund For Senior Citizen or Disabled RentersOffice of State Tax CommissionerState Capitol Building600 E. Boulevard Ave., (701)328-3127Bismarck, ND 58505-0599P/D: To provide disabled North Dakota residents who live in rented quarters with a tax refund. Persons who are permanently and totally disabled, are residents of North Dakota, and are renters are eligible to apply for this refund, provided their annual income does not exceed $13,500 from all sources. Residents over 65 years of age are also eligible, whether they are disabled or not. Applications must be submitted to the county auditor at any time.

Sidney S. and Grace G. Hirsheimer Grts.Sidney S. and Grace G. Hirsheimer Foud.c/o National City BankAttn: Trust DepartmentP.O. Box 868 (812)464-9800Evansville, IN 47705P/D: To provide financial assistance to the needy blind in Indiana. Eligible to apply are blind residents of Vanderburgh County, IN who require financial assistance to purchase food, clothing, health care, etc. The amount awarded varies, depending upon the needs of the recipient. Applications may be submitted at any time.

Polish Army Veterans Association of America AssistancePolish Army Veterans Association of America17 Irving Place (212)473-0580New York, NY 10003P/D: To provide assistance to Polish veterans who served in the Allied forces during World War II and are in need because of disability of other causes. Eligible for this assistance are Poles who served in the Allied forces during World War II but are living in

the United States and are in financial need because of disability or other causes. They must be members of the Polish Army Veterans Association of America.

German Protestant Orphan Asylum Association5342 St. Charles Ave., (504)895-2361New Orleans, LA 70115P/D: Areas of support include medical services, and youth programs. Initial approach by letter.Contact: Everett T. Aultman, Exec. Dir.

New Jersey Lifeline ProgramDepartment of Human ServicesAttn: Division of Medical Assistance and Health ServicesCN 714 (800)792-9745Trenton, NJ 08625-0714P/D: This program is open to residents of New Jersey who are either disabled or over 65 years of age and who utilize public utilities. Eligible applicant=s include those who pay utility bills to one or more electricity or natural gas companies as well as those whose utility bills are included in their rent. The program applies only to permanent New Jersey residents, not to those who maintain temporary or seasonal residence in the state. Contact foundation for further guidelines. Applications may be submitted at any time.

Operation Liftoff of Main GrantsOperation Liftoff of MainP.O. Box 29 (207)848-7144Carmel, ME 04419P/D: This program is open to the residents of Maine between the ages of 3 and 18 who are seriously or chronically ill. To fill the wishes of children in Maine who have life-threatening illnesses. The amount involved, varies, depending upon the cost of filling the recipients dream. Applications may be submitted any time.

Idaho Property Tax Reduction For Disabled VeteransIdaho Division of Veterans ServicesAttn: Office of Veterans Advocacy550 West Fort, Box 044Boise, ID 83724-0044(208) 334-1245 or (800)827-1000P/D: Eligible for this reduction are a) veteran=s with a compensable disability who own property in Idaho that they utilize as their primary residence b) veteran=s (whether disabled or not) who served during the Indian Wars, The Spanish-American War, or World War 1. Eligible veterans are entitled to this exemption as long as they reside in Idaho.Otto Sussman TrustP.O. Box 1374Trainsmeadow StationFlushing, NY 11370-9998P/D: Financial assistance for medical bills and care-giving expenses to individuals with serious or terminal illnesses. Limited to residents of New York, New Jersey, Oklahoma, and Pennsylvania. Write letter requesting application form and guidelines, explain circumstances of need, formal application required.Contact: Edward S. Miller, Trustee

Dexter G. Johnson Educational and Benevolent TrustP.O. Box 26663Oklahoma City, OK 73125P/D: Medical expenses to physically disabled children and young men and women in OK. Assistance includes corrective surgery and hospitalization and the necessities of life while in convalescence. Past grants have been for ear and eye surgery and prosthesis, and skin surgery. Applications accepted throughout the year. Completion of formal application required including financial information, family history, physical condition, age, education goals, and other data necessary to show need. Contact: Betty Crews

Paul Motry Memorial FundP.O. Box 357Sandusky, OH 44870-0357P/D: Grants for medical expenses to physically disabled children who are residents of Erie and Eastern Ottawa Counties, OH.

Completion of formal application required, including a letter from the doctor proving need.

Charlotte M. Robbins Trustc/o State Street Bank & Trust CompanyP.O. Box 351 (617)654-3360Boston, MA 02101Application Address:c/o State Street Bank, 225 Franklin StreetBoston, MA 02110P/D: Financial assistance to aged coupled and aged women for medical bills. Limited to aged residents of the towns of Groten, Ayer, Harvard, Shirley, and Littleton, Massachusetts. Write letter stating income, expenses, assets, and reason money is needed. Contact: Cheryl D. Curtin, Vice President

Walter S. and Evan C. Jones Foundation527 Commercial St., Rm. 515Emporia, KS 66801 (316)342-1714P/D: Assistance with medical expenses to individuals under the age of 21 who have been continuous residents of Lyon, Coffey, or Osage counties, KS for at least one year. The types of medical assistance given in the past include, dental care, medical procedures, mental health care, hospital stays, eye-care and eyeglasses, preventative care, and hearing aids. Initial approach by letter. Completion of formal application required. Interviews required.

Renal Assistance, Inc.3700 Washington St., Ste. 102Hollywood, FL 33021P/D: Grants to residents of Florida who require haematolysis therapy or have received a renal transplant for the purpose of medical assistance, travel assistance, and emergency assistance. The foundation contributes to preselected individuals.

Nurses House, Inc.350 Hudson Street (212)645-9685New York, NY 10014P/D: Short term assistance to ill and indigent registered nurses in the U.S. who are in need of financial assistance to help meet basic living expenses. Costs of medical care and education are not funded. Applications accepted throughout the year. Initial approach by letter. Completion of formal application required, except in some one-time emergency situations. Interview granted upon request.

Charles E. Saak Trustc/o Wells Fargo Bank5262 N. Blackstone Ave., (209)442-6232Fresno, CA 93710P/D: Dental and emergency medical assistance to children under 21 years of age from low income families residing in the Porterville/Poplar area of Tulare County, CA. Completion of formal application required, including purpose and estimate statement, parent=s financial statement, and copy of most recent income tax return. Contact: Christina M. Riley, Scholarship and Grant Director.

Teddi Project GrantsCamp Good DaysAttn: Teddi Project (716)624-55551332 Pittsford-Mendon RoadMendon, NY 14506P/D: To grant the wishes of seriously ill children in Florida and New York. This program is open to children (up to age 19) who have life threatening or terminal illnesses. Priority is given to children from central Florida and the upstate New York area, particularly Buffalo, Rochester, Syracuse, Albany and Binghamton. Application may be submitted at any time.

Lotta M. Crabtree Theatrical Fund Grants Lotta M. Crabtree Trusts11 Beacon Street, Ste. 1110Boston, MA 02108 (617)724-5920P/D: To provide financial assistance to disabled and other actors. Members of the theatrical profession are eligible to apply if they are disabled due to illness or some other misfortune. Requests for assistance must be made in writing.

Rest Haven Preventorium For ChildrenP.O. Box 23389San Diego, CA 92193-0389P/D: Grants to financially needy children only in San Diego County and Imperial County, CA for medical, dental, optical, therapy, hearing, childcare, and nutritional expenses. Write for guidelines

People In Business Care, Inc.P.O. Box 39601Minneapolis, MN 55439P/D: Grants for medical assistance and emergency aid primarily to residents of MN and CA. Write for guidelines.

Thursday=s Child GrantsThursday=s ChildP.O. Box 9279 (608)988-4234Madison, WI 53713-0279P/D: To grant the wishes of seriously ill children in Wisconsin. This program is open to children (up to 19) who have life threatening or terminal illnesses. Priority is given to children from southwest and south central Wisconsin. Applications may be submitted at any time.

James R. Nicholl Memorial Foundationc/o Bank One Ohio Trust Co., N.A.235 West Schrock RoadWesterville, OH 43081Application Address:c/o Bank One Ohio Trust Co. N.A.Trust Dept1949 BroadwayLorain, OH 44209P/D: Medical and surgical expense assistance to needy children (2 to 21 of age) who have been residents of Lorain County, OH for at least two years. Applications accepted throughout the year. Completion of formal application required, including a letter indicating the medical need.Contact: David E. Nocjar, VP and Sr. Trust Office, Ban One Ohio Trust Co.

Ontario Children=s HomeP.O. Box 82Canadaigua, NY 14424Application Address:c/o Mrs. Richard Ogden210 West Gibson StreetCanadaigua, NY 14424P/D: Grants for children=s medical and dental expenses for residents of Ontario County, NY. Applications accepted throughout the year. Completion of formal application required.

Pardee Cancer Treatment Fund of Bay County213 Center AvenueBay City, MI 48708Application Address:c/o Patricia White Manager400 South TrumbullP.O. Box 541 (517)894-5332Bay City, MI 48708P/D: Payment of medical bills to cancer patients who are residents of Bay County, MI. Application by letter, including list of expenses incurred and other financial information. Interviews required.

Butterworth Foundation, Inc.75 Butterworth RoadRoyalston, RFD No. 2 (508)249-7612Orange, MA 01364

P/D: Grants to fulfill the wishes of residents of Worcester and Franklin counties, MA who are diagnosed with AIDS. As funds are available, applications will also be considered from residents of Hampshire County, MA (Amherst-Northampton area) Cheshire County, NH (Keene area), and Windham County, VT (Brattleboro area). Application by letter outlining wish, including documentation from a health care provider or other qualified individual, indicating the applicant has not been an active drug abuser for the past six months or longer.Contact: Allen Young, PresidentHigh Technology FundIndependence for the Blind1278 Paul Russell Road (904)942-3658Tallahassee, FL 32301P/D: To provide an opportunity for the multi-handicapped blind in Florida to have access to assistive devices. The rental period can last as long as 5 years. Applications may be submitted at any time.

Cornelia M. Moore Memorial Free Dental Foundationc/o Wells Fargo Bank, N.A.525 Market Street, 17th FloorP.O. Box 63954San Francisco, CA. 94163P/D: Dental expense assistance to residents of Santa Barbara, CA who are under the age of 18. Funds are paid directly to dentists. Write for guidelines.

Josiah Sleeper and Lottie Sleeper Hill Fd.c/o PNC Bank, N.A.1632 Chestnut StreetPhiladelphia, PA 19103Application Address:c/o Taylor HospitalRidley Park, PA 19078P/D: Grants to women and children, primarily in PA to cover rehabilitative and convalescent expenses. Application accepted throughout the year. Completion of formal application required.Alice L. Carlisle Trust for Children of Town of Goshen, Bank of Boston, Conn.Trust Tax Dept., P.O. Box 2210Waterbury, CT 06702P/D: Medical expenses for children living in Goshen, CT. Application by letter.

Foundation of the Alumnae Association of Mount Sinai Hospital School of Nursing, Inc.One Gustave L. Levy PlaceNew York, NY 10029 (212)289-5566P/D: Grants to financially needy or ill nurses, and scholarships to financially needy nursing students. Write or call for further guidelines.

A Helping HandFeminist Health FundP.O. Box 323Yellow Springs, OH 45387P/D: To help Ohio women with medical and related expenses during critical illnesses. Women who are residents of southwestern Ohio, at least 18 years of age, and are suffering from cancer, heart disease, severe allergies, depression, or other critical illnesses are eligible to receive support. Write for further guidelines. Requests for support may be submitted at any time.

Physician=s Aid Association 10937 Hillhaven Ave., (818)951-0748Tujunga, CA 91042-1417P/D: Medical and financial assistance to physicians in Los Angeles County, CA who are disabled or retired and to their immediate families. Initial approach by letter or telephone. Completion of formal application required. Contact: Bonnie Ferris, Exec. Dir.

Urann FoundationP.O. Box 1788 (508)588-7744

Brockton, MA 02403P/D: Medical assistance grants for Massachusetts families engaged in cranberry farming and processing. Grants intended to assist in payment of hospital and medical bills. Limited to families located in MA. Initial contact by phone or letter. Contact: Howard Whelan, Admin.

Brass Ring Society Grants551 E. Semoran Blvd., #E5Fern Park, FL 32730 (800)666-WISHP/D: To enrich the lives and fulfill the dreams of children whose lives are being threatened by illness or disease. This program is aimed at children between the ages of 3 and 18 who are chronically or terminally ill. There are no restrictions on residency, illness, or dream wishes. Application may be submitted at any time.

William J. Munson Fundc/o Bank of Boston, ConnecticutP.O. Box 2210, Trust Tax Dept.Waterbury, CT 06702Application Address:c/o Alfred Morency, Chair.71 Scott RoadWatertown, CT 06795P/D: Medical expense assistance to residents of Watertown, CT. Completion of formal application required, including financial information.

State of Arizona, Aging and Adult Admin1789 W. Jefferson, 2 SW, 950 APhoenix, AZ 85007P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged, such as housing, health, transportation, etc.

Wishing Well Foundation GrantWishing Well FoundationP.O. Box 717St. Louis, MO 63188P/D: To grant the wishes and dreams of chronically and terminally ill children in the St. Louis area. Children in the St. Louis area who are facing life-threatening illnesses are eligible for this program. Applications may be submitted any time.

Chrysler Motors Physically Challenged Assistance ProgramChrysler CorporationAttn: Automobility ProgramP.O. Box 3124 Bloomfield Hills, MI 48302-3124P/D: To provide a reimbursement for the cost of installing adaptive driving aids on new purchases of new Chrysler Motors cars, trucks, or vans that required adaptive driving aids or conversion equipment for disabled users. Contact Corporation for further guidelines.

James T. Hambay FoundationP.O. Box 6361 (717)652-7911Harrisburg, PA 17112P/D: Medical expense assistance to blind, physically disabled, and indigent children under the age of 18, who reside in Harrisburg, PA and vicinity. Application accepted throughout the year. Initial approach by letter stating medical expenses and current income.

The Steeplechase Fund400 Fair Hill DriveElkton, MD 21921

P/D: Financial assistance and medical expenses only to former steeplechase jockeys and their widows and families. Application by letter including information about when applicant was disabled and medical bills. Contact: Charles Colgan

Theresa C. Herron Memorial ScholarshipNational Federation of the Blind of New Hampshire, c/o Louis GosselinDivision of Vocational Rehabilitation361 Lincoln Street, (603)669-8733Manchester, NH 03103P/D: Grants to provide funding for high school expenses incurred by visually impaired students in New Hampshire. This program is aimed at high school students in New Hampshire who are either legally blind or visually impaired (20/60 in the better eye or worse). Selection is based on academic record, letters of recommendation, previous awards, personal activities, and personal goals. This is a one time award.

Dexter G. Johnson Educational and Benevolent TrustP.O. Box 26663Oklahoma City, OK 73125P/D: Medical expenses to physically disabled children and young men and women of OK. Assistance includes corrective surgery and hospitalization and the necessities of life while in convalescence. Past grants have been for ear and eye surgery and prosthesis, and skin surgery. Applications accepted throughout the year. Completion of formal application required including financial information, family history, physical condition, age, education goals, and other data necessary to show need. Contact: Betty Crews

Automobiles or Other Conveyances For Disabled VeteransDepartment of Veterans Affair810 Vermont Avenue, N.W.Washington, DC 20420(202)418-4343 Or (800)927-1000P/D: Grant funding for certain disabled veterans and current service personnel who require specially adapted automobiles. Write for guidelines. Applications must be submitted.

A. C. Needles Trust Fund Hospital Care c/o First Union National BankCHG- 1161Charlotte, NC 28288P/D: Grants for hospital care aid to preselected needy individuals in the Roanoke, VA area. Contact fund for current application deadline and procedures.

Smock Foundation GrantsFrank L. and Laura L. Smock Found.c/o Norwest Bank Fort WayneAttn: Investment and TrustP.O. Box 960 Fort Wayne, IN 46801-6632(219) 461-6444 fax: (219)461-6678P/D: To provide financial assistance to disabled elderly, and ill individuals of the Presbyterian faith who reside in Indiana.Applications may be submitted at any time.

Lena P. Frederick Trust Fundc/o Key Trust Company35 State StreetAlbany, NY 12207Application Address:c/o Christina CookKey Trust Co. of Maine288 Water StreetAugusta, ME 04430P/D: Grants to needy persons of Belfast, MD for medical and general assistance. Applications by letter accepted throughout the year.

New Jersey Partial Exemption From Realty Transfer Fee for Senior Citizens or Disabled PersonsNew Jersey Division of TaxationAttn: Taxpayer Information Services50 Barrack Street, CN 269Trenton, NJ 08646-0269(609)292-6400 Or (800) 323-4400P/D: Grants to provide exemption from realty transfer fees paid by senior citizens, disabled persons, and blind people in New Jersey. Eligilbe for these exemptions are persons aged 62 and older, permanently and totally disabled individuals, and blind people who are legal residents of New Jersey. Write or call for guidelines.

Idaho Income Tax Deduction For The Blind And Their Widow (ers) (FT)Idaho State Tax CommissionAttn: Public Information Office800 Park Blvd., Plaza IVP.O. Box 36Boise, ID 83722(208)334-7750 or (800)972-7660 (within ID, OR, UT, and WA)P/D: Grants to exempt a portion of the income of blind or elderly residents from state income tax in Idaho. Eligible for this deduction are blind residents of Idaho and residents over the age of 65.

Children=s Dream Factory GrantsChildren=s Dream Factory of Maine2273 Congress StreetPortland, ME 04102(207)774-1330 or (800)639-1492P/D: To fulfill the dreams of children in Maine who are chronically or terminally ill. This program is aimed at children whose lives are threatened by illness or disease. They must be residents of Maine aged 3 to 16. Applications may be submitted at any time.

Burks Charitable Trust f/b/o Fresno Lodge No. 247, F. & A. M.c/o Fresno Lodge No. 247, F.& A. M.3444 E. Shields AvenueFresno, CA 93726P/D: Financial assistance including medical expenses, to needy families who are residents of CA. Applications by letter outlining financial need and reason for request. Committee interviews and investigation of all applicants required. No grants are made without a personal interview at the Trust=s Fresno CA office. Applicants must have resided in CA for at least 12 months prior to application.

Charles Montague Charitable Trustc/o Fleet Bank, N.A.915 Main Street, MSN 252Hartford, CT 06103Application Address: c/o Fleet Bank, N.A. P.O. Box 4276Boston, MA 02211P/D: Assistance to financially needy residents of Wakefield, MA to help cover hospital bills, including psychotherapy. Contact foundation for current application guidelines.

Dream Factory GrantDream Factory, Inc.P.O. Box 3942 (800)456-7556Louisville, KY 40201-3942P/D: To grant the wishes of children who are critically and chronically ill. This program is aimed at children between the ages of 3 and 13 who are facing a life-threatening illness. One time gift.

Southern Oregon Lions Sight and Hearing Center, Inc.228 N. Holly (541)779-3653Medford, OR 97501P/D: Grants to residents of southern OR particularly Jackson County, for vision and hearing medical care, including exams, surgery, eyeglasses, hearing aids, and travel expenses. Applications accepted throughout the year. Applications by letter outlining sight and hearing impairments.Contact: Exec. Secy.

Louis S. Oppenheim Trustc/o First of America Trust Co.301 S. W. Adams (309)655-5418Peoria, IL 61652P/D: Medical and living expenses to financially needy, blind residents of Peoria County, IL. Applications by letter or telephone outlining financial need. Contact: David Welch, VP. First of American Trust.

Frank and Laura L. Smock Foundationc/o Norwest Bank Indiana, N.A.P.O. Box 960 (219)461-6451Fort Wayne, IN 46801-6632P/D: Medical and nursing care assistance to ailing, needy, crippled, blind, or elderly residents of IN who are members of Presbyterian churches and who have less than $3,000 in assets. Initial approach by letter. Completion of formal application required.

Mary Mansfield Fund For The Agedc/o Fifth Third Bank of Central KentuckyDept. 00858Cincinnati, OH 45263Application Address:c/o Fifth Third Bank of Central Kentucky269 W. Main Street,Lexington, KY 40507P/D: Grants for medical expenses to indigent residents of Bourbon County, KY. Applications accepted throughout the year. Completion of formal application required.

Palestine Temple Charities TrustOne Rhodes PlaceCranston, RI 02906P/D: Medical expenses assistance primarily to financially needy individuals living in RI. Grants help cover the costs of health care providers, doctor=s bills, hospital stays, drugs, and medical supplies. Applications by letter including medical information.Contact: A. Sheffield Reynolds, Treas.

Alice M. G. Soper FundHawaii Community Foundation900 Fort Street Mall, Suite 1300Honolulu, HI 96813(808) 537-6333 or (808)521-6286P/D: To provide financial assistance to older residents of Hawaii who are suffering from a disability or illness. Residents of Hawaii who are over 50 years of age and are experiencing financial difficulties because of a disability or illness are eligible to apply. This program is administered by the Hawaii Community Foundation and the Hawaiian Trust (111 South King Street, Honolulu, HI 96813, (808)538-4540).

Fanny S. Gilfillan Memorial, Inc.P.O. Box 68Morgan, MN 56266Application Address:c/o Redwood County Human ServicesP.O. Box 27

Redwood, MN 56283P/D: Medical expense assistance only to financially needy residents of Redwood County, MN who are otherwise unable to pay yet who are ineligible for government sponsored medical assistance.Contact: Arliss Becker

Missouri Senior Citizen, Disabled Veteran, and Disabled Person Property Tax Credit ClaimMissouri Department of Revenue1617 Southridge DriveP.O. Box 2800 (314)751-7191Jefferson City, MO 65105-2800(800)877-6881 or TDD (800)735-2966(within MO)P/D: Grants to provide a tax credit to low-income disabled veterans, senior citizens, and other disabled persons in Missouri. Eligible veterans, disabled people, and senior citizens may claim this credit when they file their state income tax return, in April of each year.

The Christian Charitable Trust14450 T.C. Jester, Suite 170Houston, TX 77014P/D: Relief assistance for medical treatment to indigent individuals primarily residing in TX. Previous assistance has aided people with cancer, leukemia, and arthritis. Write for further information.

Southwest Michigan Rehab Foundation723 Allison Drive, (616)781-2215Marshall, MI 49068P/D: Medical equipment expenses for patient rehabilitation to financially needy residents of southwestern MI. Recipients income must not exceed two and one-half times the poverty rate. Initial approach by letter requesting application form. Completion of formal application required.Contact: Carl F. Green, President

Myra Deane Memorial Trustc/o Harrington & Merryweather202 High StreetP.O. Box 253, (410)228-3610Cambridge, MD 21613P/D: Financial assistance for nursing home costs to needy residents of Dorchester County, MD. Contact Trust for current application procedures.

Edmondson-Telford FoundationP.O. Box 3430 (770)532-3228Gainesville, GA 30503P/D: Grants to financially needy residents of the Hall County, GA area, for medical expenses and general welfare assistance. A small amount is also given for educational expenses. Application by letter or telephone outlining financial need. Contact: William M. House, Trustee

New Hampshire Property Tax Credit For Disabled VeteransNew Hampshire Department of Revenue Administration61 S. Spring StreetP.O. Box 457 (603)271-2687Concord, NH 03302-0457TDD: (603)225-4033P/D: Grants to provide property tax credits in New Hampshire to disabled veterans or their surviving spouses. Eligible for this tax credit are New Hampshire residents who are U.S. citizens, veterans, and totally and permanently disabled from a service connected injury. Applications for a permanent tax credit may be made at any time.

C. E. Gibbs Memorial Fund Trustc/o The Honesdale National Bank

733 Main Street, (717)253-3355Honesdale, PA 18431P/D: Medical expense assistance to residents of Wayne County, PA. Applications accepted throughout the year. Application by letter outlining financial and medical needs.Contact: Mary McElroy, Trust Mgr. The Honesdale National Bank

Alabama Ad Valorem Homestead Exemp.Alabama Dept. of RevenueAttn: Ad Valorem Tax DivisionGordon Persons Building, Room 4126Montgomery, AL 36132-7210(334)242-1525P/D: Grants for disabled, blind and elderly residents of Alabama from ad valorem property taxes imposed by counties. Resident must meet the eligibility requirements.

Federal Income Tax Credit For The Elderly or The DisabledInternal Revenue Service, Serv. Hdqrts.1111 Constitution Avenue, N.W.Washington, DC 20224 (800)TAX-FORMP/D: To provide a federal income tax credit for certain elderly and disabled citizens. Write for guidelines.

Loris and Pauline Keen Charitable TrustP.O. Box 404 (405)363-0800Blackwell, OK 74631P/D: Medical expenses for financially needy children with eye problems living in OK. Some assistance for children in OK in need of dental care. Assistance includes exams, screenings, and lenses. Applications accepted throughout the year. Completion of formal application required, including financial information.Josiah H. Danforth Memorial FundEight Fremont Street, (518)725-0653Gloversville, NY 12078P/D: Grants are awarded for the payment of medical expenses in times of illness need and misfortune for the residents of Fulton County, NY. Applications accepted throughout the year. Initial approach by letter. Completion of formal application required.

Foundation For The CarolinasP.O. Box 34769 (704)376-9541Charlotte, NC 28234-4769P/D: Medical expense assistance to financially needy children who are residents of NC and SC. The Foundation administers the following funds for children:a) Children=s Medical Fund Provides asst. for the medical needs of children, age 17 and under that are beyond the means of the family income. b) E. F. Hutton Fund provides assistance to children under age 18 of NC who are disabled and in need of braces, corrective shoes, wheelchairs, and other orthopedic appliances. Contact foundation for current application deadline. Initial approach by letter. Completion of formal application required.

North Dakota Property Tax Credit For Senior Citizens or Disabled PersonsOffice of State Tax CommissionerState Capitol Building600 E. Boulevard AvenueBismarck, ND 58505-0599(701)328-3127 Fax: (701)328-3700TDD: (701)328-2778P/D: Grants to provide property tax exemptions for disabled or senior citizen residents of North Dakota. To qualify for this program, applicants must be residents of North Dakota and either totally and permanently disabled (regardless of age) or at least 65 years of age. For husbands and wives who are living together, only one can apply for the credit. Applicant=s must reside in the property for which the credit is claimed. Write or call for further guidelines.

Faye O. Schenck Trustc/o Bank One Trust111 Monument Circle, Suite 1501Indianapolis, IN 46277-0115Application Address:c/o Lyle Fogle, VP. And Trust OfficerBank One Trust Group, (317)423-0889Lafayette, IN 47901P/D: Medical, surgical and hospital expense assistance to indigent residents of Montgomery County, IN. Individuals must be recommended by Montgomery County doctors, medical laboratories, hospitals, or school nurses. Recommendations by letter accepted throughout the year. Letters should accompany proof of individual=s inability to pay.

Pharmaceutical Assistance To The Aged and Disabled ProgramDept. of Human ServicesAttn: Division of Medical Assistance and Health Services, CN 715Trenton, NJ 08625-0715(800)792-9745 Or TTY:(609)588-7180P/D: To provide financial support to the disabled and others in New Jersey who use prescription drugs. This program is open to residents of New Jersey who are either disabled or over 65 years of age and who purchase prescription drugs, insulin and insulin needles, and certain diabetic testing materials. Applications may be submitted at any time.

Portland Female Charitable Society20 Noyes StreetPortland, ME 04103P/D: Aid limited to financially needy residents of the City of Portland, ME for dental care, prescriptions, hearing aids, glasses, or other needs having to do with health, food, or shelter, with emphasis on the needs of children, the elderly, and the ill. Requests usually presented by social workers, public health nurses, counselors, etc. Interviews required. Contact: Jean Leighton, Treas.

Idaho Grocery CreditIdaho State Tax CommissionAttn: Public Information Office800 Park Blvd., Plaza IVP.O. Box 36Boise, ID 83722 (208)334-7500(800) 972-7660 (within ID, OR, UT, & WAP/D: Grants to provide a credit against withheld taxes to disabled veterans, the blind, and the elderly from state income taxation in Idaho. Call for guidelines.

Avery-Fuller Children=s Center251 Kearney Street, No. 301San Francisco, CA. 94108(415) 986-1687P/D: Funds are to pay for medical services, physical and occupational therapy, psychotherapy, special school or remedial education, prosthetics, appliances, prescriptions, and related services for disabled children. The application must be submitted by the professional who has the primary case responsibility ( a social worker, teacher, physician, or therapist). Both the professional and the child must reside within the geographic specifications. Specific forms are required.Contact: Nancy J. Lobaugh, Exec. Dir.

State of Alaska, Alaska Commission on AgingP.O. Box CJuneau, AK 99811P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged, such as housing, health, transportation, etc.

Cloud County Children=s Trustc/o Citizens National Bank

115 West Sixth StreetP.O. Box 409 (913)243-3211Concordia, KS 66901P/D: Grants to Cloud County, KS children age 12 and under with special needs, and their families. Needs and expenses must not be covered by insurance or other programs and charities. Write or call for program descriptions.

Division of Public HealthHealth and Social Services Dept.P.O. Box 637 (302)739-4701Dover, DE 19903P/D: Health care for pregnancy and for children with special health-care needs.

Stearns-Blodgett Trustc/o Wells Fargo Bank, N.A.P.O. Box 30100 (702)334-5849Reno, NV 89520-0100P/D: Financial assistance to indigent residents of NV and northern CA who are in need of opthalmological care. Completion of formal application required. Application must be certified by a sponsor licensed MD, state-certified hospital, member of the Knight Templar of the Free and Accepted Masons, or a cooperating organization approved by the trust committee. Write or call for further guidelines.Contact: Leo Humphrey=s, Member Admin. Comm.

Bridgeport Ladies Charitable Trustc/o Chase Manhattan Bank of Connecticut999 Broad StreetBridgeport, CT 06604P/D: Grants to financially needy residents of the greater Bridgeport, CT area for health care and home assistance. Recipients are referred by Family Services Woodfield in Bridgeport, CT and other community agencies in CT.

Hoechst Marion Roussel Indigent Patient Programc/o Samples Dept. K2-M1216P.O. Box 9950 (800)221-4025Kansas City, MO 64134-0950P/D: Prescription drugs to individuals who fall below the federal poverty level and who are in need of continual drug therapy. Applicants must be ineligible for third party medication payments. Initial approach by telephone. Completion of formal application required, including physician=s certification of patient=s medical and financial needs.Contact: Mr. Pat Mc Nerney, Dir of U.S. Commercial Services.

All Indian Pueblo Council Speech and Hearing ProgramAll Indian Pueblo Council, Inc.Attn: Speech, Language, and Hearing Pro3939 San Pedro NE, Suite DP.O. Box 3256Albuquerque, NM 87190(505)884-3820 fax: (505)883-7682P/D: Grants to provide hearing aids and other assistive devices to Pueblo Indian children and adults. All hearing aids and their related services are provided at no cost to children. Adults are charged on a sliding fee scale with the total cost not exceeding the manufacturer=s actual cost of the aid. Write or call for further guidelines.

George S. Weeks Trustc/o Bank One, Lexington, N.A.201 E. Main StreetLexington, KY 40507P/D: Financial assistance to needy legally blind individuals of Fayette and Bourbon Counties, KY for equipment, supplies and training. Application by letter outlining financial need and verifying residency and blindness. Contact: C. K. Conrey

Maternal and Child HealthState Dept. of Health

301 Centennial Mall SouthP.O. Box 95007 (402)471-2907Lincoln, NE 68509P/D: Health care for pregnancy and for children with special health care needs.

Clarke (Louis G. & Elizabeth L.) Endowment FundU.S. National Bank of OregonP.O. Box 3168 (503)228-9405Portland, OR 97208Application Address:Scottish Rite Temple709 SW 15th AvenuePortland, OR 97205P/D: Grants to needy masons or their immediate family who require hospitalization in the Portland, Oregon metropolitan area. (Multnomah, Clackamas and Washington counties). Limited to Masons and their immediate families. Write for guidelines. Contact: G. L. Selmyhr, Exec. Sec=y

Swiss Benevolent Society of Chicago6440 N. BosworthChicago, IL 60626P/D: Grants to elderly and other individuals of Swiss descent or nationally in cases of need or emergency. Limited to Chicago area residents of Swiss descent or nationality. Formal application required, write for program information and current program deadlines. Contact: Admiral Alan Weber, PresidentRoy M. Speer Foundation1803 U.S. Highway 19Holiday, FL 34691-5366P/D: Grants to individuals in financial difficulty as a result of medical problems. Limited to residents of Florida. Initial approach by letter.

Inez Sprague Trustc/o Rhode Island Hospital Trust BankOne Hospital Trust PlazaProvidence, RI 02903 (401)278-8700P/D: Financial assistance and medical expenses for needy individuals. Limited to residents of Rhode Island. Initial approach by letter. Contact: Trustee

The Ford (S. N. Ford & Ada) Fundc/o Key Trust Co. of Ohio, N.A.P.O. Box 849 (419)525-7668Toledo, OH 44901P/D: Grants for hospitalization and care of the aged and incurably ill. Limited to residents of Richland County, Ohio. Write for guidelines, and annual report. Contact: Tracey Williamson, Trust Officer,Key Trust Co. of Ohio, N.A.

Grace Bryan Taylor Trust Estatec/o Hawaiian Trust Co. Ltd.P.O. Box 3170Honolulu, HI 96802-3170Application Address:c/o Hawaii Community Foundation900 Fort Street Mall, Suite 1300Honolulu, HI 96813 (808)566-5570P/D: Grants to financially needy residents of Hawaii who suffer from angina pectoris. Write for guidelines.

Hynd Blind Fund of the James Hynd Trc/o Bank One, N.A.

P.O. Box 4418Boulder, CO 80306P/D: Eyeglasses to financially needy individuals given with the cooperation of more than 40 local businesses.

Charles D. Gilfillan Paxton Memorialc/o Thomas W. Murray, Vice PresidentW-555 First National Bank BuildingSt. Paul, MN 55101 (612)291-6236Application Address:511 Morten DriveRedwood Falls, MN 56283P/D: Medical assistance to financially distressed Minnesota residents. Priority given to those in areas and towns with populations of less than 3,000. Limited to residents of MN. Formal application required. Contact: Marie La Plante, Sec=y.

Butler Manufacturing Company Found.Penn Valley ParkP.O. Box 419917, BMA TowerKansas City, MO 64141-0197(816) 968-3208P/D: Hardship grants to aid individuals in emergency financial distress due to serious illness, fire or natural disaster. Limited to Butler Manufacturing Company employees, retiree=s and their dependents. Write for application guidelines and program information. Contact: Barbara Lee Fay, Foundation Adm

Perkins (B.F. & Rose H.) FoundationP.O. Box 1064 (307)674-8871Sheridan, WY 82801P/D: Funding for medical assistance ages (2 to 10). Limited to individuals who have been residents of Sheridan County, WY for the last two consecutive years. Formal application required, obtain application forms from foundation.Contact: Margaret Sweem, Mgmt.

The Kings FoundationP.O. Box 27333Austin, TX 78755P/D: Grants to individuals in financial need. Intended primarily for residents of Texas. Initial approach by letter.

Society For The Relief of Families of Deceased & Disabled Indigent Members of The Medical Profession Of The State Of South Carolinac/o Ray Investor, M.D.19 Guerard RoadCharleston, SC 29407-2510P/D: Grants to families of deceased or disabled SC physicians. The Benevolent Committee evaluates potential recipients throughout the year.

Arkansas Income Tax ExemptionsDept. of Finance and AdministrationAttn: Revenue Division, Income Tax Sec.P.O. Box 3628 (501) 682-7250Little Rock, AR 72203-3628P/D: Grants to exempt a portion of the income of retired persons, including military personnel, veterans, and dependents of veterans, from state income taxes in Arkansas. Eligible are residents of Arkansas receiving military service pay, retired pay, survivor benefits, or disability income from any public or private employment related retirement system, plan, or program, including the armed forces. The exemption continues as long as the recipient resides in Arkansas.

Lenna M. Keith Charitable Trustc/o Michigan National BankP.O. Box 1707, Trust Tax Dept.Grand Rapids, MI 49501-1707P/D: Medical and welfare assistance to financially needy individuals residing at Burcham Hills Retirement Center, Lansing, MI.

Contact Trust for guidelines

Thomas C. Burke Foundation182 Riley Avenue No. BMacon, GA 31204-2345(912)477-1934P/D: Medical assistance in one of three forms: a) one-time payments for doctor bills, medical equipment and pharmacy bills, b) weekly grants of up to $60.00 to assist with medical expenses c) grants for transportation to medical facilities. Limited to residents of Bibb County, GA. Initial contact by phone. Contact: Carolyn P. Griggers

Harrison and Conrad Memorial Trustc/o Nations Bank Trust Co., N.A.Two North Charles St., 3rd FloorBaltimore, MD 21201Application Address:c/o Loudoun Memorial HospitalOffice of the Administrator70 W. Cornwall St., (703)777-3300Leesburg, VA 22075P/D: Grants only to children of Leesburg and Loudoun County, VA who are suffering from polio, muscular dystrophy or any other crippling disease, and whose families cannot afford treatment. Application by letter outlining financial need. Interviews required.

George T. Welch Testamentary Trustc/o Baker-Boyer National BankP.O. Box 1796 (509)525-2000Walla Walla, WA 99362P/D: Medical assistance for financially distressed individuals. Limited to residents of Walla Walla County, WA. Formal Application required.Contact: Holly T. Howard, Trust Officer

State of Utah, Division of Aging and Adult Services120 N. 200 West (801)538-3910Salt Lake City, UT 84103P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged, such as housing, health, transportation, etc.

Make-A-Wish Foundation Of The Mid-South GrantsMake-A-Wish Foundation of the Mid South5118 Park Avenue, Suite 504Memphis, TN 38117(901)680-9474 Fax: (901)680-0912P/D: To fill the dreams of children facing life threatening illnesses. This program is aimed at children who are 17 years of age or younger and are chronically or seriously ill. They must reside in western Tennessee, the 17 northern counties of Mississippi, or Arkansas. Applications may be submitted at any time.

VFW Charitable Trust422 E. Brandon Drive.Bismarck, ND 58501P/D: Medical assistance to veterans from ND. Applications accepted throughout the year. Contact: Richard Grenz, Secy.

William B. Lake FoundationFidelity Bank, N.A.Broad & Walnut Streets, 3 MBOPhiladelphia, PA 19109Application Address:

c/o Sophia O=Lessker, Social WorkerFoxcraft Sq. Apts. #185Jenkintown, PA 19406P/D: Aid to individuals suffering from respiratory tract, or pulmonary disease. Limited to residents of the Philadelphia, PA area. Initial approach by letter. Include details of physical condition and supporting documents. Completion of formal application required. Interviews required.

Alabama Ad Volorem Homestead Exemp.Alabama Dept. of RevenueAttn: Ad Valorem Tax DivisionGordon Persons Building, Room 4126Montgomery, AL 36132-7210(334)242-1525P/D: Grants for disabled, blind and elderly residents of Alabama from ad valorem property taxes imposed by counties. Resident must meet the eligibility requirements.

High Hopes Foundation GrantsHigh Hopes Foundation of New HampshireP.O. Box 172North Salem, NH 03073(603) 8987-5333 or (800) 639-6804P/D: To grant the wishes of seriously ill children in New Hampshire. Chronically ill children and children with life threatening diseases who are between the ages of 3 and 18 are eligible for assistance if they live in New Hampshire. Applications may be submitted at any time.

Black Students Crisis FundBlack Student FundSuite Ag 15-193636 16th Street, N.W. 4th FloorWashington, DC 20010 (202)387-1414P/D: Grants available to Black American families residing in Maryland, Virginia and the District of Columbia who have emergency short-term needs for food, shelter, or medical care are eligible to apply. Funds are awarded to alleviate short-term crises only.

G.M.L. Foundation, Inc.P.O. Box 916Port Angeles, WA 98362P/D; Grants for individuals who need medical help. Write for guidelines. Contact: Reba Cornett, Exec. Secy.

R. L. Davis Charitable Trust Fund, Inc.P.O. Box 112Farmville, NC 27828Application Address:c/o Cedric Davis112 W. Wilson Street, (919)753-4520Farmville, NC 27828P/D: Medical assistance to financially needy individuals who live within a five mile radius of Farmville, NC or live on land owned by heirs of R. L. Davis. Applications accepted throughout the year. Initial approach by telephone. Interview required. Applications must be made in person. Information requested included the nature of the health problem, extent of financial resources, marital and dependent status, and place of residence.

Rose Ladies Aid Societyc/o Sackrider & Co., Inc.1925 Wabash AvenueP.O. Box 330 (812)232-9492Terre Haute, IN 47808P/D: Grants for low income families in Virgo County, IN for medical, dental, and emergency living expenses. Recipients are referred by welfare organizations.

Dorothy Ames Trustc/o Key Trust Co. of MaineKey Trust Company35 State StreetAlbany, NY 12207Application Address:c/o Christina CookKey Trust Co. of MaineP.O. Box 1054Augusta, ME 04332-1054P/D: Grants to hearing impaired children only. Assistance is given for hearing aids, auditory trainers, and other expenses related to hearing impairment. Applications accepted throughout the year. Initial approach by letter stating need.

The Geoffrey Foundation, Inc.P.O. Box 1112Kennebunkport, ME 04046Application Address:c/o Chester E. Homer, 111, President89 Ocean AvenueKennebunkport, ME 04046P/D: Grants to severely to profoundly hearing impaired individuals using auditory verbal as their primary mode of communication. Recipients must be residents of the U.S. and attending school Initial approach by letter.

Idaho Circuit Breaker Property Tax RedIdaho State Tax CommissionAttn: Public Information Office800 Park Blvd., Plaza IVP.O. Box 36, Boise, ID. 83722(208)334-7750 or (800)972-7660 within ID, OR, UT, and WA.P/D: Grant to reduce a portion of the property tax of disabled and other veterans and other disabled or elderly residents of Idaho. Must be residents of Idaho who are disabled (including the blind and veterans with at least a 10 percent service connected disability). Write for guidelines.

Jefferson (John Percival and Mary C.) Endowment Fund114 E. De La Guerra (805)963-8822Santa Barbara, CA 93102P/D: Emergency relief assistance for medical, dental and living expenses. Limited to residents of Santa Barbara County, California. Initial contact by letter. Formal application required. Contact: Susan Morales

Alaska Property Tax EquivalencyDivision of Veterans AffairsP.O. Box 5800 (907)428-6016Ft. Richardson, AK 99505-5800fax: (907)428-6019P/D: Grants to provide disabled veterans in Alaska an equivalency payment if they rent their primary residence. Eligible for this exemption are disabled veterans in Alaska whose disability was incurred or aggravated in the line of duty and whose disability has been rated as 50 percent or more by the military service of the U.S. Department of Veterans Affairs. Qualified veterans are those who rent their primary residence. Call or write for further guidelines.

Jones (Walter S. and Evan C.) Found.572 Commercial Street, Room 515Emporia, KS 66801 (316)342-1714Application Address:c/o Bank IV EmporiaEmporia, KS 66801P/D: Financial assistance for medical expenses. Grants based on demonstrated financial need. Applicants must have been continuous residents of Lyon, Coffey or Osage counties, Kansas, for at least one year. Applicants must be under 21years of age. Initial approach by letter. Formal application required. Contact: Sharon R. Brown, General Mgr.

Governor=s Office of Elderly AffairsP.O. Box 50063Old San Juan Station (787)721-6121San Juan, PR 00902P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged such as housing, health, transportation, etc.

Delaware Health and Social Services, Division of Services for Aging and Adults with Physical Disabilities1901 N. Dupont Hwy. Admin. Bldg. AnnexNew Castle, DE 19720 (302)577-4791P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged, such as housing, health, transportation, etc.

George S. Ladd Memorial Fundc/o Wells Fargo Bank, Trust Tax Dept.P.O. Box 63954 (800)435-2435San Francisco, CA 94163P/D: Financial assistance grants, including funding for medical treatment. Limited to elderly and retired employees of Pacific Bell, Nevada Bell and Pacific Northwest Bell. Write for guidelines.

Mississippi Tax Deduction for The BlindState Tax Commission102 Woolfolk BuildingP.O. Box 960, (601)359-1141Jackson, MS 39205P/D: To deduct a portion of the income of the blind from state income tax liability in Mississippi. Eligible for this exemption are residents of Mississippi who have been declared legally blind. The deduction must be requested on the resident=s state income tax return, which is due in April.

Marion Isabelle Coe Fundc/o Bank of Boston, ConnecticutP.O. Box 2210Waterbury, CT 06710P/D: Relief assistance to adults for living and medical expenses. Grants provide continuing assistance to needy individuals, enabling them to remain in their own homes. Award paid in monthly installments and are renewed annually. Limited to residents of Goshen, Litchfield, Morris and Warren, CT. Contact: Mrs. Speers.

New Mexico Tax Exemption For The Blind and ElderlyTaxation and Revenue DepartmentP.O. Box 630 Santa Fe, NM 87504-0630P/D: Grants to exempt a portion of the income of New Mexico residents who are blind or over the age of 65 from state income tax liability. The exemption continues as long as the qualifying resident remains in the state.

Mallory-Taylor Foundation, Inc.115 W. Main StreetLa Grange, KY 40031P/D: Health care assistance to residents of Oldham County, KY who do not have any other form of medical coverage. Applications accepted throughout the year. Completion of formal application required. Contact: Barry D. Moore, Char

The Elizabeth Church Clarke Testamentary Trust/Fund Foundationc/o U.S. National Bank of OregonP.O. Box 3168 Trust DivisionPortland, OR 97208-3168Application Address:

c/o Mr. G. L. Seimyhr, Exec. Secy.Scottish Rite Temple709 SW 15th Ave., (503)228-9405Portland, OR 97205P/D: Grants for medical assistance. Payments may be made directly to the individuals or to the physicians and hospitals providing services. Limited to residents of Oregon. Initial approach by letter, detailing needs and costs.

State of Nebraska, Depart. Of AgingP.O. Box 95044301 Centennial Mall SouthLincoln, NE 68509-5044(402) 471-2306P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged, such as housing, health, transportation, etc.

Kate Kinloch Middleton FundP.O. Box Drawer 2527Mobile, AL 36601P/D: Grants to help defray the costs of unexpected serious illness. Limited to residents of Mobile County, AL.Contact: Joan Sapp

Reade Industrial Fundc/o Harris Trust and Savings BankP.O. Box 755 (312)461-7550111 W. Monroe StreetChicago, IL 60690P/D: Grants to individuals who through accidental injury, illness of themselves or family members, or inability to work, are unable to care for themselves, their spouses and their children. Limited to individuals who are currently or who have previously been employed in industry in Illinois. Initial approach by letter. Formal application required. Contact: Tony Abiera

Gore Family Memorial Foundation501 E. Las OlasFort Lauderdale, FL 33301P/D: One-time and short-term assistance grants for medical expenses, equipment for the handicapped and housing and transportation costs. Limited to residents of Broward County, Florida and surrounding areas. Write for application guidelines.

Robert B. Cranston/Theophilus T. Pitman Fund55 Memorial Blvd., (401)847-0217Newport, RI 02840P/D: Grants to the aged, temporarily indigent and indigent people of Newport County, Rhode Island. Funds for medical assistance, food, utilities, clothing and housing. Limited to residents of Newport County, RI. Reference from a local welfare agency required.Contact: The Reverend D. C. Hambly, Jr. Admin.

Christian Business Cares FoundationP.O. Box 36091 (212)621-0096Cleveland, OH 44136P/D: One-time grants for life-threatening medical emergencies. Limited to residents of northeast Ohio. Awards determined on basis of the effect of grant on applicant=s overall condition. Write for guidelines, brochure and newsletter. Formal application required.

Montana Real Property Tax ReliefVeterans Affairs DivisionP.O. Box 5715 (406)444-6926Helena, MT 59604P/D: Grants to exempt from taxation the real property of disabled or deceased veterans in Montana. Eligible veterans or spouses are entitled to total real property tax relief for one residence. Write for further details.

A. V. Hunter Trust, Inc.55 Madison Street, Suite 225Denver, CO 80202 (303)399-5450P/D: Grants for residents of Colorado who have financial needs and bills not covered by Medicare or Medicaid. Formal application required. Contact: Sharon Holt, Secretary

The Hawaii Community Foundation900 Fort St. Mall, Suite 1300Honolulu, HI 96813 (808) 556-5570Program 1- Winifred D. Robertson FundDescription, One-time assistance to adult residents of Oahu, Hawaii.Program 2 - Alice M.G. Soper FundDescr: One-time grants to adults, age 50 or older in financial need due to illness or disability. Program 3 - Irving L. Singer FdDescr: One-time assistance to children of Hawaiian ancestry whose families are unable to pay for medical expenses, or for special education, social services, or mental health services. Program 4 - The Kitaro Watanabe Fund, Desc: Individual assistance to children in need. Restrictions (for all programs) Limited to residents of Hawaii.Call for application guidelines. Formal Application required. Contact: Suzanne Toguchi, Program Officer

Hanna R. Kristianson TrustP. O. Box 1011Albert Lea, MN 56007Application Address:Clarks Grove, MN 56016 (507)256-4415P/D: Financial aid to needy individuals over 50 years of age for medical bills. Limited to residents of Freeborn County, MN who are voer 50 years old. Call or write for guidelines. Contact: Richard S. Haug, Trst.

Arkansas Disabled Veterans Property Tax ExemptionDept. of Finance and AdministrationAttn: Property Tax Refund UnitP.O. Box 1272 (501)682-7265Little Rock , AR 72203-1272P/D: Grants to exempt from taxation the property owned by disabled veterans, surviving spouses and minor dependent children in Arkansas. Applications accepted any time.

Maternal and Infant Health44 Medical Drive (801)584-8284Salt Lake City, UT 84114P/D: Health care for Pregnancy and for children with special healthcare needs.

Herschend Family Foundation2512 S. Campbell (417)883-9970Springfield, MO 65807P/D: Assistance for individuals in need of medical assistance. Intended primarily for residents of Missouri. Call or write explaining need.Contact: Gary Burgess, Manager

The Gorgen (Peter and Anna) Fund Charitable Trust141 S. Main Street, (307)684-2211Buffalo, WY 82834-1824Application Address:William J. Kirven104 Fort Street (307)684-2248Buffalo, WY 82834P/D: Financial assistance for medical, dental and optical services. Limited to children in Johnson County, WY. Write for guidelines.Contact: Robert R. Holt, Trustee

Johns Foundation(Formerly) Chippenham & Johnston-Willis Hospital Foundation)1401 Johnston Willis DriveRichmond, VA 23235 (804)330-2049P/D: Grants for cancer education, care and treatment primarily to residents of the Richmond, VA area. Applications accepted throughout the year. Application by letter outlining financial need and purpose. Contact: Dr. E. Forrest Jesee, Jr.

Dallas Cotton Exchange TrustDallas Cotton Exchangec/o Texas Commerce BankP.O. Box 2320Dallas, TX 75221-2320P/D: Financial aid to persons engaged or formerly engaged in the cotton merchandising business in Dallas, TX, their employees and former employees, and the immediate families of the above, when they are unable to work or if able to work, unable to earn a sufficient amount to meet their needs because of medical problems. Formal application required.Contact: Joe Ferguson

Graham Memorial Fund308 W. Main Street, (803)479-6804Bennettsville, SC 29512P/D: Grants for medical assistance and general welfare. Limited to residents of Bennettsville, South Carolina. Formal application required. Contact: Chairman

Make A Wish Foundation GrantsMake A Wish Foundation of America100 W. Clarendon Ave., Suite 2200Phoenix, AZ 85013-3518fax: (602)279-0855 or (800)722-WISHP/D: To grant the wishes of children with terminal or life threatening illnesses. Program open to children in the U.S. up to the age of 18 who are either terminally ill or have life threatening medical conditions creating the probability that they will not survive beyond their 18th year. Applications may be submitted at any time.

Hudson-Webber Foundation333 W. Fort Street, Suite 1310Detroit, MI 48226 (313)963-7777P/D: Counseling services and last resort financial assistance. Grants provided primarily in cases involving problems with physical or emotional health, and in financial, emergencies. Limited to employees and qualified retired employees of the J. L. Hudson Company. Formal application required for review by the foundation=s trustee=s, interviews required.Contact: Gilbert Hudson, President

Anna Emory Warfield Memorial Fundc/o 1210 Mercantile Bank & Trust Bldg.2 Hopkins Plaza (410)547-0612Baltimore, MD 21201P/D: Relief for medical assistance to elderly women in the Baltimore, Maryland area. Write to request application guidelines, formal application required.Contact: Thelma K. O=Neal, Secretary

Baker (Clark And Ruby) Foundationc/o Bank South, Personal Trust DepartmentP.O. Box 4387 - 678Atlanta, GA 30302-4387 (770)989-6106P/D: Grants primarily to retired Methodist ministers for pensions and medical assistance for residents of Georgia. Initial approach by letter or phone. Interviews required. Contact: Richard L. Watton, Trust OfficerWest Virginia Office of Aging Commission on Aging1900 Kanawha Blvd. E. Holly Grove, Bl.10Charleston, WV 25305-0160

(304)558-3317P/D; Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent date on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged.

Iowa Disabled Veteran Property Tax Crt.Veterans Affairs DivisionCamp Dodge7700 Northwest Beaver DriveJohnston, IA 50131-1902(515)242-5331 fax:(515)242-5578P/D: Grants to provide property tax credits to disabled veterans or their surviving spouses who are residents of Iowa. Must have an income under $10,000. Surviving spouses are eligible for this benefit, as well, as long as they do not remarry. Write or call for guidelines.

Orion L. and Emma B. Hurlbut Memorial Fundc/o First Tennessee Bank, N.A.701 Market StreetChattanooga, TN 37401Application Address:c/o Jo Ann Clifford Chattanooga Tumor Clinic.975 E. Third Street, (423)266-3029Chattanooga, TN 37403P/D: Financial assistance for medical expenses to indigent cancer patients at Erlanger Hospital, outside of Hamilton County, TN. Payments are made directly to the physicians and health facilities providing medical treatment to the individual recipients.

Burlington Cancer Relief Association304 Maple StreetBurlington, VT 05401-4573Referral Address:c/o Edward Aiken, R.N.Snipe Island RoadJerico, VT 05465P/D: Financial assistance to low-income cancer patients in the greater Burlington, VT area. Assistance includes payments for drugs, medical supplies, dental needs, nutrition, transportation, and other needs as determined by the associations visiting agent, a registered nurse. Individuals must be referred through the appropriate channels in order to be considered.

Vincent Gaffney Foundationc/o American State Bank & Trust CoP.O. Box 1446 (701)774-4121Williston, ND 58802-1446P/D: Grants for the health and welfare of needy children under the age of 18. Applications accepted throughout the year. Initial approach by letter. Completion of formal application required.Contact: Noel Hanson, VP & Trust Officer

Aberdeen Area Indian Health ServiceFederal Building115- 4th Avenue, SE (605)226-7581Aberdeen, SD 57401P/D: Funding to American Indian projects designed to provide a full range of curative, preventive and rehabilitative health services. Assistance to federally recognized tribal organizations. Designed to increase the capability of American Indians to manage their own health programs. Contact local Health Service office for standard application forms.Contact: Kay Carpentier, Grants Management Contact (301)443-5204 orB. Bowman, Program Contact:(301) 443-6840 Local Contact person; Terrance Sloan, MD

Addison H. Gibson Foundation

One PPG Place, Suite 2230Pittsburgh, PA 15222 (412)261-1611P/D; Funds to cover hospital and medical costs for individuals with “correctable physical difficulties”. Limited to residents of Western Pennsylvania, with emphasis on Allegheny County. Applicant=s must be referred by a medical professional. Formal application required. Medical professional must provide name, age, sex, and address of person for whom funding is sought, describe the nature of recommended medical assistance and provide the name of the patient=s primary physician. Grants are made directly to the medical professional Institution providing services. Write for further information. Formal application required, interview required. Contact: Rebecca Wallace, Director

Oklahoma City Area Indian Health Ser215 Dean A. McGee Street, NWOklahoma City, OK 73102-3477(405) 237-4796P/D: Funding for American Indian projects designed to provide a full range of curative, preventive and rehabilitative health services. Assistance to Federally recognized tribes and tribal organizations. Designed to increase the capability of American Indians to manage their own health programs. Contact local Health Service office for standard application forms. Contact: Kay Carpentier, Grants management contact. (301)443-5204 or B. Bowman, program contact(301)443-6840 Local Contact: Dr. Robert Harry, Dir.

Phillips FoundationP.O. Box 471 (601)327-8401Columbus, MS 39703Application Address:c/o Atwell Andrews116 Fifth Street NorthColumbus, MS 39701 (601)327-8401P/D: General welfare grants to indigent sick residents of Lowndes County, MS for medical, surgical and hospital attention and services other than doctors bills or surgical fees. Completion of formal application required, including financial information.

Beneficiary TravelDept. of Veterans Affairs810 Vermont Avenue N.W.Washington, DC 20420(202)418-4343 Or (800)827-1000P/D: Grants to reimburse disabled and other veterans for the cost of travel to receive medical care at a VA facility. Eligible veterans write to or call for guidelines.

The Lucy Daniels Foundation, Inc.9001 Weston Pkwy., (919)677-9888Cary, NC 27513Application Address:c/o Heather Craiges, MSW, Clinical Coord9001 Weston Pkwy.Cary, NC 27513P/D: Grants for psychoanalytic treatment to creative individuals in the Raleigh-Durham and Chapel Hill, NC area. Contact foundation for current application deadline. Initial approach by letter or telephone. Completion of formal application required, including an autobiographical statement. Interviews and psychological testing required.

Mosette Levin Trustc/o First Citizens Bank, N.A.Trust DepartmentP.O. Box 1125, Michigan City, IN 46360Application Address:c/o Justina Mejean, First Citizens Bank515 Franklin Street, (219)874-9301Michigan City, IN 46360P/D: Medical aid grants to individuals over the age of 16 who are suffering from any childhood illness. Funds may be used for treatment, medication, and transportation to and from treatment facility. Limited to residents of La Porte County, IN. Formal

application required.

The Clark Foundation30 Wall Street, (212)269-1833New York, NY 10005P/D; Financial aid for medical and hospital care to needy individuals in upstate New York and New York City. Application accepted throughout the year. Initial approach by letter. Contact: Joseph H. Cruickshank, Secy

Ford Mobility Motoring ProgramFord Motor CompanyAttn; Mobility ProgramP.O. Box 3185 TDD (800)TDD-0312Ruston, LA 71271(318)257-4562 or (800)952-2248P/D: To provide a cash reimbursement for the cost of installing adaptive driving aids on the purchase of new vehicle=s from Ford or Lincoln-Mercury. This program also provides 24 hour roadside assistance and a complimentary Ford cellular telephone.

The de Kay Foundationc/o Chase Manhattan Bank270 Park Avenue, (212)270-6000New York, NY 10017P/D: Grants to elderly individuals in financial need, particularly to those who sick or disabled or who lack proper care. Limited to residents of New York, New Jersey, and Connecticut. Initial approach by letter. Formal application required.

Camden Home for Senior Citizens66 Washington Street, (207)236-2087Camden, ME 04843Application Address:Belfast Road (207)236-2014Camden, ME 04843P/D: Grants for medical care and drugs. Limited to residents of Camden, Rockport, Lincolnville and Hope, Maine. Write or call for guidelines. Contact: Charles Lowe, PresWilliam Babcock Memorial Endowment305 San Anselmo Ave., Ste. 219San Anselmo, CA 94960 (415)453-0901P/D: Grants to persons burdened with exceptional medical expenses which exceed insurance coverage and fall outside the purview of other community agencies. Limited to persons who have been residents of Marin County, CA, for two or more years. Call for application guidelines, application required. Contact: Executive Director

ScienceScience ServiceWestinghouse Science Scholarships and Awards1719 N. Street, N.W. (202)785-2255Washington, DC 20036P/D: Study of science, engineering, math, and related fields; must be high school senior and plan to complete college entrance qualifications before October 1 of the following year, 1,000 word essay, U.S. citizen or legal resident, requests for applications must be made by high school official.Contact: Karen Royden, Director of Youth Program.

Real EstateAmerican Institute of Real Estate Appraisers TrustAmerican Institute of Real Estate Educational Trust Scholarship875 N. Michigan Ave., Ste. 2400Chicago, IL 60611-1980(312) 335-4100P/D: Full-time undergraduate or graduate student majoring in real estate appraisal, land economics, real estate, or allied fields. Contact: Charlotte TimmsMusic

Mercyhurst CollegeCreative Arts ScholarshipGlenwood Hills501 E. 38th Street, (814)824-2564Erie, PA 16546P/D: Talented young musicians, dancers and artists ready to begin their college education, for full-time study at Mercyhurst College only.Contact: Michael Fuhrman

Law EnforcementAssoc. of Former Agents of the U.S. Secret Service, Inc.J. Clifford Dietrich & Julie Y. CrossScholarships, P.O. Box 11681Alexandria, VA 22312P/D: Sophomores working toward degrees in law enforcement or police administrationU.S. citizens. Contact: P. Hamilton Brown Executive Secretary

TopEducation Grant Assistance

This section list's sources of educational support for secondary, undergraduate, graduate, postgraduate study, and advanced research. "'

1. Scholarship's- awarded directly to a student to help with tuition costs.2. Fellowship's- awarded to graduate student's in college's, universities, or other institutions.3. Internship's- support undergraduate, graduate, or postgraduate students.4. Residencies- for study, research, advanced training in a medical specialty, and teaching at a college, university, or research institute.5. Research grants- support individuals engaged in independent scholarly project's, medical or scientific investigations.

Adams Scholarship Fund A-T Medical Research Fond

Barrows (Augustus & Kathleen)

c/o First Agricultural Nat'1 Bank 16255 Ventura Blvd., #803

Memorial Trust Fund99 West Street

Encino, CA 91436271

South Union StreetPittsfield, MA 01201

Burlington, VT 05401

Allen (Rita) Foundation, Inc. Aurora Foundation

Blackwelder Foundation, Inc,

550 Park Avenue 111 W. Downer Place,#312

P.O. Box 1431New York, NY 10021 Aurora, IL

60507-5136Lenoir, NC 28645

Andalusia Health Service, Inc. Baker (Jessie H.) Education Fund

Brightwell (A.T.)

School, Inc.c/o William H. Mc Whorter c/o Marine

Midland Bank254 Oakland Avenue

P.O. Box 1418 P.O. Box 4203

Athens, GA 30606Andalusia, AL 36420 Buffalo, NY

14240

Allied Education Fund B Bamberget (Ruth Eleanor and John

Bush Foundation467 Sylvan Avenue

Ernest)Memorial Fund.East

900 1st Nat'l Bank Bldg.Englewood Cliffs, NJ 07632 1201 Walker

Center St. Paul, MN 55101

Salt Lake City, UT 84111Alpert (Ida & Benjamin) Fund. Bank of

American-Giannia Fund.Charles Foundation

31275 Northwestern Hwy, #233 Box 37000, Dept. 3246c/o

Steven CharlesFarmington Hills, MI 48018 San Francisco,

CA 941371700 N. Alpine, Suite 3

IIRockford, IL 61107

Anderson (WilliamP.) Foundation Baker Foundation, Inc.

Cogan (George T.) Trust3552 Bayard Road P.O.

Box 328P.O. Box 418

Cincinnati, OH 45208 Nashua, NH 03061

Portsmouth, NH 03801

Ann Arbor Area Foundation125 W. Washington, Ste. 400Ann Arbor, MI 48104

More Listings

JournalismDow Jones Newspaper FundP.O. Box 300 (609) 452-2820Princeton, NJ 08543-0300P/D: Open to college juniors, seniors, graduate students studying journalism. Contact: Intern coordinator

Scholastic Inc.Scholastic Writing Awards Scholarships555 Broadway (212)343-6100

New York, NY 10012P/D: High school seniors demonstrating outstanding creative writing ability combined with high academic standing, U.S. citizens or legal residents.

Hotel/RestaurantThe Statler FoundationStatler Towers, Ste., 508Buffalo, NY 14202 (716)852-1104P/D: Students of hotel or food service management. Contact: Peter J. Crotty, ChairmanEngineeringNational Action Council for Minorities in Engineering, Inc.Incentive Grants Program3 West 35th Street, (212)279-2626New York, NY 10001P/D: Engineering studies, American Indian, American black, Mexican-American. Or Puerto Rican enrollment in participating college or university, demonstrate need or receive merit award, U.S. citizen Rican entering freshman or transfer students, Full-time.

Society of Women EngineersMASWE Memorial, Lillian M. GilbrethIvy Parker Memorial, RCA CorporationGrumman Corporation, Digital Equipment Scholarships120 Wall Street, New York, NY 10005(212) 509-9577 or (800)666-1793P/D: Women upper-division students who are majoring in engineering at accredited U.S. Colleges and Universities.

ArtNational Foundation for Advancement in the ArtsArts & Recognition & Talent Search800 Brickell Ave., (305)377-1148Miami, FL 33131P/D: High school seniors to study any of the creative & performing arts, demonstrate talent, U.S. citizens.

BusinessFYI Memorial Scholarship AwardsFinancial Women International200 North Glebe, Ste., 814Arlington, VA 22203(703) 807-2007P/D: Awards to women working in the fields of business, banking, or finance who wish to further their education. Must be a member of FYI.

James S. Kemper Foundation N-41 Kemper Drive, (708)320-2847Long Grove, IL 60049-0001P/D: College freshman who are business majors, must reside on campus, list of 16 participating 4-year schools across the country available from the above address.

BroadcastingKATU-Dargan Minority ScholarshipP.O. Box 2 (503)231-4222Portland, OR 97220P/D: Minority students enrolled in first three years of communication curriculum with emphasis on broadcasting, at colleges in Oregon and Washington, minimum 3.0 GPA. Contact: Rich DarganWomenBusiness and Professional Women=s FdBPW Loans for Women in Engineering 2012 Massachusetts Ave., N.W.

Washington, DC 20036 (202) 293-1200P/D: Women accepted for undergraduate or graduate study in a program accredited by the Accreditation Board for Engineering and Technology, for last 2 years of study, U.S. Citizens, financial need.

Jewish Foundation for Education of Women Scholarship330 W. 58th Street, (212)265-2565New York, NY 10019P/D: Full-time students who live within a 50 mile radius of New York City (including New Jersey and Long Island).

HandicappedAmerican Council of the Blind Scholar.American Council of the BlindSuite 720, 1155 15th Street, NWWashington, DC 20005 (202)467-5081P/D: Legally blind U.S. citizens or resident aliens accepted into postsecondary programs, several award categories, students with 3.3 GPA. Contact: Jessica Beach, Asst. Schol., Cor.

HandicappedRuth A. Cantrall Trustc/o Bank IV Kansas10000 College Blvd., (913) 752-4745Overland Park, KS 66210P/D: For needy, hearing-impaired students at attend Kansas State School for the Deaf. Contact: Louisa Grill

Stanley E. Jackson Scholarship for the HandicappedFoundation for Exceptional Children1920 Association DriveReston, VA 22091P/D: Disabled incoming freshmen enrolling full-time in undergraduate or vocational training programs, two awards specified for members of ethnic minority groups. Contact: Kenneth CollinsSpecial Grant Categories

Ethnic StudentsAmerican Institute of Certified Public AccountantsMinority Scholarship Program1211 Avenue 4 of the AmericasNew York, NY 10036 (212)596-6200P/D: Black Americans, American Indians, Asians, and Hispanic undergraduates to major in accounting. Graduate students may study taxation, finance, or business administration.

Commission for Racial Justice Special Higher Education ProgramUnited Church of Christ Commission for Racial Justice 700 Prospect Ave., (216)736-2169Cleveland, OH 44115P/D: Non-Caucasian students in financial need, priority to members of United Church of Christ. Contact: Carmen Williams, Coordinator, Special Higher Education ProgramJose Marti Scholarship ChallengeFlorida Department of EducationOffice of Student Financial AssistanceFlorida Education Center, Room 1344Tallahassee, FL 32399-0400(904) 487-3260P/D: U.S. citizens residing in and attending school in FL. Must be Hispanic or of Spanish culture, e.g., Mexico, South America, Central America, or the Caribbean, financial need, minimum 3.0 GPA, FL. residence.

Bristol Children=s Home26 Acacia Road, (401)254-7070

Bristol, RI 02809P/D: Scholarships for higher education to residents of Bristol, RI only. Completion of formal application required.Contact: Gail L. Nunnery, Trust Officer, John Warner Bank.

Marie D. Berry Funds H and H-1c/o Key Trust Co. of Ohio, N.A.127 Public Sq. Trust Tax, 01-127-1603Cleveland, OH 44114-1306Application Address:c/o Hon. John T. PattersonCourt of Common Pleas., Hancock Cty.Findlay, OH 45840P/D: Applicants are selected on the basis of character, financial need, and academic ability. Scholarships to financially needy male residents of Findlay, OH for study at colleges, universities, trade and business schools, graduate schools, postgraduate schools, and professional schools. Contact fund for application. Completion of formal application required.

Educational Fund of the Honolulu Branch of the American Association of University Women1802 Keeaumoku St., (808)537-4702Honolulu, HI 96822P/D: Graduate and undergraduate scholarships to female residents of HI. Awards also provided to Asian and Pacific women professionals for specific two-to six-month projects or graduate study in HI, Completion of formal application required. Initial approach by letter. Contact: Adele D.S. Mitchell, Chair.

Boettcher Foundation600 17th , Suite 2210 SouthDenver, CO 80202 (303) 534-1937P/D: Scholarships bases solely on merit to CO high school students for attendance at CO colleges and universities. Separate programs to provide scholarships to minorities living in CO to attend specific CO institutions, and to provide recognition awards to CO teachers. Contact foundation for current application guidelines.

Adams Educational Fund Inc.c/o First National Bank Bldg.400 W. Benson Ave.,Wilmar, MN 56201Application Address:c/o Donald D. Elmquist, Pres.411 W. Litchfield Ave., (320)235-5267and Brett N. Aamot, Secy-Treas.P.O. Box 570 (320)235-3311Wilmar, MN P/D: Student grants to residents of the Wilmar, MN area. Applications accepted throughout the year. Completion of formal application required.

Bour Memorial Scholarship Fundc/o Boatman=s First National Bank of Kansas City, (816)979-748114 West 10th St., P.O. Box 419119Kansas City, MO 64141P/D: Scholarships to needy high school graduates residing in Lafayette County, MO to attend any accredited MO college. Completion of formal application required. Application forms available early each year from Boatman=s First National Bank of Kansas City or Lafayette County, MO schools.

Davis-Roberts Scholarship Fund, Inc.116 Lummis Court (307)632-2948Cheyenne, WY 82007P/D: Members or former members of the order of De Molay or Job=s Daughters, Bethel, in Wyoming, for full-time study.Contact: Charles H. Moore, Secy Treas.

Camp FoundationP.O. Box 813 (757)562-3439Franklin, VA 23851P/D: Scholarships to graduating high school seniors who are residents of the city of Franklin and the counties of Southampton and Isle of Wight, VA. Recipients are selected on the basis of character, leadership, community service, academic achievement, and value to the community after graduation. Recipients are chosen with regard for financial need. Both types of scholarships are renewable for up to three additional years.Contact: Bobby B. Worrell, Exec. Dir.

Bristol Bay Native Corp. Educ. Fond.800 Cordova St., (907) 278-3602Anchorage, AK 99501P/D: Scholarships to shareholders of Bristol Bay Native Corp. Completion of formal application required.Contact: Marie Nash, Dir. and Pres.

Bradford-Nye TrustP.O. Box 359Tyler, TX 75710Application Address:c/o Dorothy LandFirst Baptist Church (903)597-4436300 W. Ferguson St., P.O. Box 277Tyler, TX 75710P/D: Scholarships are awarded on the basis of scholastic merit and potential, citizenship, financial need, and proven Christian leadership. To the residents of Smith County, TX for study at an educational institution sponsored and supported by the Baptist General Convention of TX. Or the Southern Baptist Convention with in the State of Texas. Completion of formal application required.

Charleston Scientific & Cultural Educational FundP.O. Box 190011Charleston, SC 29419-9011Application Address:c/o Wade H. Logan, 111, SecretaryP.O. Box 848 (803)723-2000Charleston, SC 29402P/D: Grants to SC natives for scientific, cultural, or educational pursuits in Charleston, SC. Completion of formal application required.

B & L Educational Foundation2111 Northridge Dr., N.E.Grand Rapids, MI 49505(616) 364-8499P/D: Scholarships restricted to individuals who are residents of or attending school in either MI or AZ. Completion of formal application required, including transcripts and letter of recommendation.

Badger Mining Scholarship Trustc/o Markesan State Bank84 North B Ridge StreetMarkesan, WI 53946Application Address:c/o Guidance Director of appropriate high school in Taylor, Berlin, or Markesan, WIP/D: Scholarships to high school graduates from Taylor, Berlin, or Markesan, WI for degrees in mining engineering, engineering curriculum or environmental science. Children of officers of Badger Mining Corporation are ineligible. Recipients must be full-time students and maintain at least a 2.0 GPA. Contact foundation for current application deadline. Completion of formal application required. Application forms available from the high schools.

Clark and Ruby Baker Foundationc/o Bank South, N.A. Personal Trust Dep

P.O. Box 4387, MC-678Atlanta, GA 30302-4387 (770)989-6106P/D: Scholarships to financially needy GA residents. Preference is given to those who study at small colleges operated by or affiliated with, the Methodist Church. Application accepted throughout the year. Applications by letter, including educational plans, resumes, expenses and the anticipated amount required, interview required.

Bright Star Foundation, Inc.c/o Shale D. Stiller36 South Charles StreetBaltimore, MD 21201Application Address:c/o Kenneth L. Greif3707 GreenwayBaltimore, MD 21218P/D: Scholarships to residents of Baltimore, MD. Application accepted throughout the year.

Sophie Anderson Educational Trustc/o Seafirst National BankP.O. Box 34345Seattle, WA 98124P/D: Scholarships to WA residents attending small colleges in WA such as Whitman College, Whitworth College, Puget Sound Christian College, and Seattle Pacific College. Scholarships are awarded in the following order of preference, history majors, liberal arts majors, premedical majors, nursing majors, and teaching majors. Contact trust or listed colleges for application deadline and procedures.

Dr. Dante Castrodale Scholarship Fondc/o First Community Bank - Bluefield211 Federal Street, P.O. Box 950Bluefield, WV 24701Application Address:c/o Dr. Dante Castrodale, Vecellio and Grogan, Drawer VBeckley, WV 25801c/o Mr. J. Kenneth Roberts, Coord. For Guidance and Testing,Mc Dowell County Schools30 Central AvenueWelch, WV 24801P/D: Scholarships to residents of McDowell County, WV. Completion of formal application required, including class rank, GPA, and personal statement.

Chattanooga Christian Foundation736 Market Street, (615) 266-5257Chattanooga, TN 37402P/D: Evangelical Christian students studying for the ministry, primarily in Chattanooga area. 45 grants totaling $107,083.Contact: Dave Worland

University of Vermont Scholarships330 Waterman, South Prospect StreetBurlington, VT 05401 (802)656-3156P/D: University of Vermont students with academic merit, financial need. Number of awards average $7,900.

South Dakota Dept. of Education &Cultural AffairsTuition Equalization Grants (TEG Prog.)700 Governor=s Drive (605)773-3134Pierre, SD 57501-2291

P/D: Residents of South Dakota to attend approved South Dakota private colleges and universities, financial need, students may apply for both TEG and State Student Incentive grants buy may accept only one.Contact: Roxie Thielen

T. Wistar Brown Trust(Formerly T. Wistar Brown Teacher=s Fd.c/o PNC Bank, N.A.1632 Chestnut StreetPhiladelphia, PA 19103Application Address:c/o Ruth A. Seeley, Secretary141 West Harvey StreetPhiladelphia, PA 19144P/D; Grants to members of Philadelphia Yearly Meting who are 21 years of age or older and who required financial assistance to prepare themselves to teach at the elementary or secondary school level, or to take advanced courses to enrich their teaching talents. Completion of formal application required.

A. H. Bean Foundationc/o First Alabama Bank, Trust Dept.2222 Ninth StreetTuscaloosa, AL 35401P/D: Scholarships to Christian individuals who are active members of a church, enrolled in a post-secondary educational institution, recommended for aid by the church minister and reside in Alabama. Transcript and recommendation by church minister required.

New Hampshire Post-secondary Education Commission2 Industrial Park Drive (603)271-2550Concord, NH 03301P/D: Six state scholarship and grant programs. Call or write for guidelines.

D.A. Biglane FoundationP.O. Box 966Natchez, MS 39121Application Address:75 Melrose - Montebello Pkwy.Natchez, MS 39120P/D: Scholarships only to residents of the Natchez, MS area. Applications accepted throughout the year.

Miriam E. Alsobrooks Educational Fundc/o Wachovia Bank of South Carolina, N.A.P.O. Box 3099 Winston-Salem, NC 27450-0001Contact: Trust Dept.Application Address:c/o Barbara Robertson, Dir. of GuidanceMarlboro County High SchoolBennettsville, SC 29510P/D: Scholarships to graduates of Marlboro County high schools, SC. Completion of formal application required.

The Blue River Foundation, Inc.P.O. Box 938 (317)392-7955Shelbyville, IN 46176P/D: Scholarships to residents of Shelby County, IN. Completion of formal application required.Contact: Tom Hession, President

Audio Engineering Society Educational Foundation, Inc.60 E. 42nd Street, Room 2520New York, NY 10165 (212)661-8528

P/D: Graduate scholarships to talented students in the U.S. and abroad who are preparing to enter the audio engineering profession and related fields. Completion of formal application required, including two faculty letters of recommendation.Contact: Emil Torick, President

Maine Department of Higher EducationState House Station 119 (207)289-2183Augusta, ME 04333P/D: Scholarships, Grant, and Loan programs include: Maine Student Incentive Program offered to a resident attending a college in Maine or any other of the 5 New England states, post graduate scholarships in the medical field.

Camden County Hero Scholarship 200 Club, Inc.191 White Horse Pike (609)546-0607Berlin, NJ 08009P/D: Scholarships to spouses and children of Camden County, NJ. Firefighter and law enforcement officers who lost their lives or became disabled in the line of duty. Scholarships are for attendance at colleges, junior colleges, or postsecondary vocational schools. Some work-related continuing education Grants for firefighter and officers are also available. Applications by letter accepted throughout the year.Contact: Muriel Mansmann, Secy.

John Lynn Driscoll, Jr. Scholarship Tr.c/o First Security Bank of Idaho, N.A.P.O. Box 2618Boise, ID 83701-2618Application Address: c/o Mrs. Chris WoodwardBoise State University1910 University Dr., (208)385-1664Boise, ID 83725P/D: Scholarships to residents of Ada, County, ID attending postsecondary schools in Ada County. Completion of formal application required.

Chinese American Citizens Alliance Fd1055 Wilshire Blvd., Suite 1210Los Angeles, CA 90017-2494(213) 250-5515P/D: Scholarships to student of Chinese ancestry who are entering their junior year at colleges and universities in the southern CA. area. Completion of formal application required. Contact: Billy W. Lew, V.P.

The Chazen FoundationP.O. Box 801Nyack, NY 10960P/D; Scholarships to residents of Rockland County, NY. Applications by letter accepted throughout the year.

Ethel N. Bowen Foundationc/o First National Bank of Bluefield500 Federal St., (304)325-8181Bluefield, WV 24701P/D: Scholarships for students from the coal mining areas of southern WV and southwestern VA. Initial approach by letter, including resume, transcript and biographical outline. Interview required. Contact: R. W. Wilkinson, Secy-Treas.

Wisconsin Higher Education Aids BrdGrant ProgramP.O. Box 7885 (608)267-2206Madison, WI 53707P/D: Grants for resident of WI enrolled at least half-time in University of Wisconsin or WI state, vocational-technical and/or adult education programs. Financial need, satisfactory academic standingContact: High school counselor

Arthur R. Atwood Scholarship Fundc/o Key Trust Co.35 State StreetAlbany, NY 12207Application Address:Secy. Scholarship Committeec/o Principal of Champlain Central SchlChamplain, NY 12919P/D: Scholarships to financially needy male students who have resided in Champlain, NY or Clinton County, NY for at least seven years. Preference is given to students accepted to Yale University. Initial approach by letter, Completion of formal application required, including photograph.

George G. and Jennifer J. Breidenthal Foundationc/o UMB Bank Kansas601 Minnesota Ave., (913)371-0035Kansas City, KS 66101P/D: Scholarships to financially needy high school graduates from Kansas City, KS who are otherwise unable to pursue higher education. Contact foundation for current application guidelines.

Butte Creek Foundation1350 E. Lassen Ave. No.2Chico, CA 95926 (916)895-1512P/D: Scholarships to residents of CA. Applications by letter accepted throughout the year. Contact: John Burghardt,

Edwin H. Eddy Family Foundationc/o Northwest Bank Duluth, Trust Dept.Duluth, MN 55802 (218)712-2773P/D: Grants for North MI residents studying communication disorders, nonresidents attending University of Minnesota at Duluth. Contact foundation for further guidelines.

P.B. Post No. 12 American Legion Memorial Scholarship Funds, Inc.c/o First Union National Bank of Florida, Trust Dept.40 Cocoanut RowPalm Beach, FL. 33480-4072Application Address:c/o Palm BeachPost No. 12 (561)655-1343625 Okeechobee Blvd.West Palm Beach, FL P/D: Scholarships to financially needy residents of Palm Beach County, FL who are U.S. citizens. Recipients may study at any accredited U.S. college or university. Contact fund for current application deadline. Completion of formal application required.

Franklin Lindsay Student Aid FundTexas Commerce Bank of AustinP.O. Box 550 (512)479-2444Austin, TX 78789-0001P/D: Grants for students attending TX colleges or universities. Must maintain at least 2.0 GPA.Contact: Rebecca Gassenmayer, Adm. Off.

Michigan Department of Management and BudgetTuition Waiver ProgramP.O. Box 30026 (517)373-0654611 West Ottawa St., 3rd Fl.Lansing, MI 48909P/D: Grants for residents of MI who are 1/4 or more American Indian (certified by their tribal nation) to attend any MI college, university, or community college.

Judge C. C. Chavelle FoundationP.O. Box 20362Seattle, WA 98102Application Address:123 Third Ave., SouthSeattle, WA 98104P/D: Scholarships to individuals born in the state of WA. Contact foundation for further guidelines. Contact: Thomas P. Keefe, Trus.

Carmela Gagliardi Foundationc/o National 1-A Foundation1860 19th Street, NWWashington, DC 20009-5599P/D: Scholarships primarily to students of Italian descent who have been accepted to a recognized medical school. Initial approach by letter. Completion of formal application required.Calcot-Seitz FoundationP.O. Box 259 (805)327-5961Bakersfield, CA 93302P/D: Scholarships to students from cotton producing areas, in CA and AZ to pursue four year degrees in agriculture. Applicants must be full-time students and have at least a 3.0 GPA in high school and college. Recipients are chosen on the basis of scholastic aptitude, leadership potential, and financial need. Contact Foundation for further guidelines.Contact: Scholarship Committee

Kansas Board of RegentsKansas Tuition Grant700 S.W. Harrison, Ste., 1410Topeka, KS 66603 (913)296-3517P/D: Grants for residents of Kansas enrolled at private schools, full time study, financial need. Contact foundation for further guidelines.Contact: Christie Crenshaw, Financial Aid Director

Eugene Atwood Fund68 Federal StreetNew London, CT 06320-0270Application Address:P.O. Box 270 (860)443-4357New London, CT 06320P/D: Scholarships and student loans to New London County, CT residents enrolled at the undergraduate level only. Initial approach by letter or telephone. Completion of formal application req=d.Contact: James McGuire, Esq. Trustee

J. F. Maddox FoundationP.O. Box 2588 (505)393-6338Hobbs, NM 88241-5410P/D: Grants for Residents of New Mexico and West Texas in financial need. Call or write for further guidelines.

Thomas R. Dargan Minority Scholarsh.c/o KatuP.O. Box 2 (503)231-4222Portland, OR 97207P/D: Grants for minority students enrolled in first, second, or third year of communication curriculum at colleges in Oregon and Washington, minimum 3.0 GPA. Contact foundation for further guidelines.Contact: Rich Dargan

Sally Abernethy Charitable Edc. Fund

c/o Nations Bank, N.S.175 E. Nash Blvd., Suite 201Melbourne, FL 32901-1998(407) 722-5850 or (407)646-6360P/D: Educational grants to individuals who are residents of Polk County, FL pursuing higher education. Completion of formal application required. Initial approach by letter, including confirmation that applicant lives in Polk County, Florida.

Marshall H. and Nellie Alworth Memorial Fund306 W. Superior Street, Suite 506Duluth, MN 55802P/D: Scholarships in basic science and medicine to high school graduates who are residents of 15 northeastern MN counties. Write foundation for further guidelines.Contact: Richard H. Carlson, Exec. Dir.Virginia State Council of Higher Edc.College Scholarship Assistance Program101 North 14th St., James Monroe Bldg.Richmond, VA 23219 (804)371-0553P/D: Grants for resident of VA, for at least half-time undergraduate study at an eligible Virginia college or university, financial need.Contact: Zita Barree

Amarillo Area Foundation, Inc.700 First National Place 1801 S. Fillmore, (806)376-4521Amarillo, TX 79101P/D: Scholarships to graduates of high schools in the 26 counties of the Texas panhandle. Contact foundation for further guidelines.Contact: Jim Allison, Pres. And Exec. Dir

James F. Byrnes FoundationP.O. Box 9596Columbia, SC 29290(803) 254-9325 fax: (803)254-9354P/D: Grants for undergraduate scholarships to young residents of SC who are high school seniors, college freshmen and sophomores, and whose parent or parents are deceased. Contact foundation for further guidelines.Contact; Jean P. Elton, Exec. Secretary

Corwill and Margie Jackson Foundationc/o Comerica Bank-DetroitDetroit, MI 48275-1022Application Address:6954 Jackson Road, (616)843-9181Ludington, MI 49431P/D: First year university students from Ludington and Mason County, MI high schools. Contact: Mrs. Morgan D. Hall

Cornerstone Foundation1919 Broadway (414)432-2045Green Bay, WI 54304-1919P/D: Grants to graduating high school students in Brown County, WI. In financial need. Contact: Scholarships, Inc.

A. T. Brightwell School, Inc.254 Oakland Avenue, (706)543-6450Athens, GA 30606P/D: Scholarships to unmarried or divorced (proof of divorce necessary) students under 25 years of age who have lived within the strictly defined Maxey=s, GA area for at least one year prior to effective day of scholarship. Parents of student must live and remain in Maxeys are for the duration of the scholarship. Initial approach by letter requesting application and including SASEInterviews required.Contact: Harold Darden, Exec. Secretary

Washington State Higher Education Coordinating BoardWashington State Need Grant Program917 Lakeridge Way S. W.P.O. Box 43430Olympia, WA 98504-3430P/D: Grants for residents of WA for at least 1 year prior to enrollment, to attend WA state colleges and universities, financial need, U.S. citizen or legal resident. Student must not be pursuing theology degree.

Easter Seal Society of Iowa, Inc.James L. and Lovon Mallory Annual Disability ScholarshipP.O. Box 4002 (515)289-1933Des Moines, IA 50333P/D: Grants for residents of Iowa who are graduating high school who have a permanent disability. Contact foundation for further guidelines.Contact: Deb Wissink

Herschel C. Price Educational Found.P.O. Box 412 (304)529-3852Huntington, WV 25708-0412P/D: Grants for residents of Ohio County, WV, ages 17-25, who are residents of Wheeling, WV high schools, financial need. Contact: Ed Johnson, Sen. Tr. Off.

Augusta and Kathleen Barrows Memorial and Trust Fund271 S. Union Street, (802)863-4531Burlington, VT 05401P/D: Grants for women residents of VT under age 25 in financial need. Contact foundation for further guidelines.Contact: Maureen T. McNeil

Sarah E. Young Trustc/o Rochester Savings Bank & Trust Co.2 Wall StreetManchester, NH 03105Application Address:New Hampshire Charitable FundBox 1335Concord, NH 03302P/D: Grants for College Sophomores, juniors, and seniors, residents of Stratford County, NH, financial need. Call or write for further guidelines. Contact: Brenda Harrington

The Foundation for the National Capital Region(Formerly The Community Foundation of Greater Washington, Inc.)1002 Wisconsin Ave., N. W.Washington, DC 20007 (202)338-8993P/D: Scholarships to residents of the metropolitan Washington, DC area. Contact foundation for current application guidelines. Contact: Terri Lee Freeman, PresidentFax: (202) 337-6754

Blackwelder Foundation, Inc.P.O. Box 1431 (704)757-9469Lenoir, NC 28645P/D; Grants for residents of NC, with preference given to Caldwell County, NC. Write or call for further guidelines.Contact: Lloyd M. Rash, President

Dodd FoundationP. O. Box 8247St. Joseph, MO 64508-8247P/D: Scholarships primarily to residents of the St. Joseph, MO area. Completion of formal application required.Contact: Robert D. Chesney, Mgr.

James E. Hughes Scholarship FundINB National BankOne Indiana Square, Suite 733Indianapolis, IN 46266 (800)952-1098P/D: Grants for residents of Marian County, IN attending Butler University, University of Indianapolis, or Marian College in Indianapolis, IN. Or must be a graduate of an Indiana high school, preferably Marian County, planning to attend one of the three listed institutions. Contact foundation for further guidelines.

John Alexander Memorial Scholarshipc/o TRUSCO BankP.O. Box 380Schenectady, NY 12305Application Address:c/o C. Koury, Attorney525 State Street, (518)374-1200Schenectady, NY 12305P/D: Scholarships to residents of Schenectady County, NY attending a law school in NY. Application by letter including home and legal address and outlining financial need and professional objective.

Allied Educational Foundation467 Sylvan AvenueEnglewood Cliffs, NJ 07632P/D: Scholarships to members of Union Local 815 and the Allied Trades Council in NY and NJ to attend school full time. Initial approach by letter in the form of an autobiography. Include 3" x 4" photograph of self, transcripts, a family financial statement, and letters of recommendation from facility advisors, professors, or teachers.Contact: Karen Badre, Exec. Secretary

Lois and Max Beren Foundation305 Petroleum Bldg.Wichita, KS 67202Application Address:c/o Carla Beren Garritty, Trustee3360 South Columbine CircleEnglewood, CO 80110P/D: Scholarships to individuals for higher education. Completion of formal application required.

American Student AssistanceHelp Loans & Plus Loans330 Stewart Street, (617)426-9434Boston, MA 02116P/D: Grants for permanent MA residentsenrolled in and in good standing, or accepted for enrollment, in appr=d. Instit. Boye Scholarship Trustc/o Wells Fargo Bank, N.A.P.O. Box 63954San Francisco, CA 94163P/D; Scholarships to residents of Sacramento County, CA with preference given to those pursuing agricultural studies. Recipients are guaranteed funding for four years, subject to maintenance of acceptable grades. Further funding may be approved for work above the undergraduate level. Candidates are identified by teachers and interviews are held to approve funding.

Bauer Foundation

c/o Shipman & GoodwinPorter StreetLakeville, CT 06039Application Address:c/o Joan WilkinsonBox 1784 (860)435-9282Lakeville, CT 06039P/D; Scholarships to residents of Regional School District No. 1 in Lakeville, CT. Completion of formal application required.

New Mexico Veterans Service Comm.Scholarship ProgramP.O. Box 2324 (505)827-6300Santa Fe, NM 87503P/D: Son or daughter (16 to 26) whose parent was killed in action or died as a result of military service in the U.S. armed forces during a time of armed conflict. Write or call for further guidelines.Contact: Allen Martinez

Kentucky Center for Veterans Affairs Benefits for Veterans & their DependentsDepartment of Human Resources600 Martin Luther King Jr. Blvd. Rm.136JLouisville, KY 40202 (502)588-4447P/D: Residents of KY, U.S. armed forces or National Guard veterans, or children (17-23) or non married spouses of veterans killed, permanently disabled, or listed as POW=s or MIA=s in recognized hostile actions.

Oregon Department of Veteran=s AffairsEducational Scholarship Aid for Oregon Veterans.700 Summer Street, N.E., Suite 150Salem, OR 97310 (503) 373-2085P/D: Residents of OR prior to and during military service, for study in accredited OR institution, must have qualifying military service record, U.S. citizen.

The Auroa Foundation111 W. Downer Place, Suite 312Aurora, IL 60506-5136 (630)896-7800P/D: Scholarships to full time students who reside in the Auroa, IL area, including Kendall and Southern Kane counties. Scholarships are available to graduating high school seniors, undergraduates and graduate students. Initial approach by telephone. Completion of formal application required. Interviews required. Contact: Sharon Stredde, Exec. Dir.

The Children=s Foundation of Lake Wales, Florida, Inc.c/o David Wilson926 Dunkirk PlaceLake Wales, FL 33853Application Address:c/o David Rockness, Chair Orgn. Comm.16 North Third Street, (941)676-0711Lake Wales, FL 33853P/D: Grants for undergraduate scholarships to high school students of the Lake Wales, FL district. Initial approach by letter.

Mary E. Hodges Fund222 Taupton Avenue, (401)435-4650E. Providence, RI 02914P/D: Grants for Residents of RI for minimum 5 years or Masonic affiliation, based on financial need and academic achievement. Contact: Grant Secretary

Avon Products, Inc.Avon Scholarship Program175 Progress Place (513)551-2752Cincinnati, OH 45246

P/D: Grants to residents of OH, graduating high school seniors from Princeton, Ramapo, Morton Grove, and Pasadena school districts who are in the top 10% of their class, U.S. citizen or legal residents and whose parents are employees of Avon .Contact: Gary Horton

Weller Foundation, Inc.East Highway 20P.O. Box 636 (402)925-2803Atkinson, NE 68713P/D: Grants for residents of NE attending one of the Technical Community Colleges in NE or other vocational educational institutions in fields such as nursing. Primary consideration given to residents of Boyd, Brown, Garfield, Holt, Keya Paha, and Rock Counties.

The E. Perry and Grace Beatty Memorial Foundationc/o National City Bank, NortheastP.O. Box 450Youngstown, OH 44501P/D: Scholarships to residents of OH for higher education. Contact foundation for current application guidelines.

Charles M. Blair Memorial Trustc/o First Trust Company of MontanaP.O. Box 30678 (406)657-8127Billings, MT 59115P/D: Grants for graduates of Meagher and Wheatland counties, Harlow Town High School and White Sulphur Springs High School, Montana.Contact: Helen Hancock

Fukunaga Scholarship Foundation900 Fort Street Mall, Suite 500Honolulu, HI 96813 (808)521-6511P/D: Grants for HI business students, Hawaii residence, commitment to Hawaii and it=s people. Contact foundation for further guidelines.Contact: Scholarship Selection Comm.

The Colorado Masons Benevolent Fund Association7955 E. Arapahoe Court, Suite 1200Englewood, CO 80112 (303)290-8544P/D: Grants for CO high school graduates attending CO colleges and universities. Applications available in Colorado public high schools.Contact: Arthur Carlson, Exec. Secretary

Minnesota Higher Education Coordinating BoardStudent Loan Program550 Cedar Street, Suite 400Capitol Square Bldg., (612)296-3974St. Paul, MN 55101P/D: Grants for residents of MN, or non residents attending MN institutions, financial need, U.S. citizenship or legal residency. Contact foundation for further guidelines.

Arkansas Governor=s Scholars Prog.Arkansas Department of Higher Educ.14 E. Capital (501)324-9300Little Rock, AR 72201P/D: AR high school graduates attending approved AR institutions, minimum 27 composite ACT score, minimum 3.6 GPA one scholarship per county, plus 25 at-large scholarships.

Emanuel Sternberger Educational FundP.O. Box 1735 (910)275-6316Greensboro, NC 27401

P/D: Grants for residents of NC who are juniors, seniors, or graduate students in financial need. Contact: Ms. Brenda Henley, Exec.

North Dakota Indian Scholarship Prog.State Capitol Building, First Floor600 E. Boulevard, (701)328-2166Bismarck, ND 58505P/D: Grants for residents of ND, at least 1/4 Indian blood and an enrolled member of a tribe now, ND resident, high school diploma or GED certificate, financial need.State Student Assistance Comm. Of INHoosier Scholarships150 W. Market St., (317) 232-2350Indianapolis, IN 46204P/D: Grants for seniors of IN high schools for study at an eligible IN institution, must be in top 20% of class. Contact foundation for further guidelines.

Children=s Aid Association of AmsterdamP.O. Box 327Amsterdam, NY 12010-0327Application Address:c/o Beverly Schmidt14 Columbia Street (518) 842-1845Amsterdam, NY 12010P/D: Scholarships to financially needy, single residents of Montgomery County, NY to attend accredited colleges. Completion of formal application required, including a financial statement. Contact foundation for further guidelines.

Louisiana Office of Student Financial AssistanceP.O. Box 91202 (504)922-1011Baton Rouge, LA 70821-9202P/D: Grants for graduates of LA high schools with GPA of 3.0 or above to attend an LA state supported institution.

The Edward Thatcher Astle Memorial Foundation1130 Route 22 East, P.O. Box 6000Bridgewater, NJ 08807-0010P/D: Scholarships to high school seniors from central NJ who are U.S. citizens, have at least a AB@ average and require financial assistance to attend college or trade school. Completion of formal application required. Contact foundation for further guidelines.Contact: David Olekna, Trustee

Sumner O. Hancock Scholarship FundCasco, ME 04015 (207)627-4354P/D: Grants for residents of the Casco, ME area who are in financial need. Contact foundation for further guidelines.Contact: Elizabeth Hancock, President.

Haugse-Cossey Foundationc/o Reynolds, Stanton, and WinkleP.O. Box 2833Boise, ID 83702Application Address:P.O. Box 828 (208)343-7514Boise, ID 83701P/D: Scholarships to high school graduates from Boise, ID and surrounding area. Contact foundation for application guidelines.

Stefan Bergman Trustc/o Wells Fargo BankP.O. Box 63954San Francisco, CA 94163P/D: Scholarships for the study of mathematics. Write foundation for guidelines.

John B. Lynch Scholarship Foundation

P.O. Box 4248 (302)654-3444Wilmington, DE 19807-0248P/D; Grants for DE residents under 30 years old attending college in Delaware or in a 20 mile radius of Delaware. Must have 2.75 GPA at the end of the first semester. Contact: Eleanor L. Clew, Sec.

Nevada Student Incentive Grant Prog.2601 Enterprise Road (702)784-4666Reno, NV 29512P/D: Grants for residents of NV attending NV institutions, applications through financial aid office at institution of choice. Write or call foundation for further guidelines.

Fred W. Wells Trust FundFleet BankOne Monarch Place, (413)787-8524Springfield, MA 01144P/D: Grants for residents of Greenfield, Deerfield, Shelburne, Ashfield, Montague, Buckland, Charlemont, Heath, Leyden, Gill, Northfield, Conway, Bernardston, Hawley, Rowe, and Monroe, MA. Contact: Edna Walters.

Henry L. and Nellie Blakaslee Trust for Scholarshipsc/o Probate Court158 Main Street, (860)283-4874Thomaston, CT 06787P/D: Scholarship grants to residents of Thomaston, CT. Contact foundation for current application deadline. Applicants must submit general and financial information.

Viles Foundation, Inc.c/o Sunwest BankP.O. Box 15500, (505)765-2211Albuquerque, NM 87125P/D; Grants for residents of San Miguel and Mora counties, NM, financial need. Call or write for further guidelines.

The Ogden College Fund and Research Scholarships.P.O. Box 3350 (502)781-9428Bowling Green, KY 42101-3350P/D: Grants for graduates of KY high schools with GPA of 3.0 or better to study at Ogden College of Science/ Technology and Health at Western Kentucky University. Contact: c/o Cooper R. Smith, Jr. 520 Hillwood Drive.,Bowling Green, KY 42101

Warren H. Bishop Memorial Scholarship Fund(also known as Priscilla Hill Warren Bishop Scholarship Fund)c/o U.S. National Bank of OregonP.O. Box 3168 Trust Div.Portland, OR 97208-3168Application Address:c/o Scholarship Fund Comm.70 Jackson County Medical SocietyRogue Valley Medical Arts Bldg.691 Murphy Road, Suite 216Medford, OR 97501P/D: Scholarships to residents of Jackson, Josephine, and Klamath counties, OR who are members of the sophomore, junior, or senior class at an accredited medical school. Contact foundation for further guidelines.

Black Haw College Foundation6600 34th Street, (309)796-1311Moline, IL 61265P/D: Scholarships to residents of Community College District No. 503, IL. Application by letter accepted throughout the year. Contact: Carmen Juarez

The Buffett Foundation222 Kiewit PlazaOmaha, NE 68131Application Address:c/o Devon BuffettP.O. Box 4508 (402)451-6011Decatur, IL 62525P/D: Scholarships to financially needy residents of NE. Scholarships are for tuition and fees at NE state colleges and universities, and $500 per semester at other institutions. Completion of formal application required. Contact: Allen Greenberg

Norris Bursary Scholarship Fund431 Alhambra Circle (305)266-3333Miami, FL 33134-4901P/D: Scholarships to residents of FL for undergraduate study at an accredited college or trade school. Applications accepted throughout the year. Completion of formal application required. Contact: Matthew Slepin, TrusteeRhode Island Higher Education Assistance Authority ProgramGrant and Scholarship Program560 Jefferson Blvd. (401)736-1100Warwick, RI 02886P/D: Grants for residents of RI enrolled at least 2 time at an eligible postsecondary institution, U.S. citizen or legal resident, financial need. Contact foundation for further guidelines.

Raeburn E. Barnes Estate TrustP.O. Box 499Sidney, OH 45365Application Address:c/o Roger McGee444 Apollo DriveSidney, OH 45365P/D; Educational grants to citizens of Shelby County, OH. Initial approach by letter requesting application. Completion of formal application required.

Treacy CompanyP.O. Box 1700 (406)442-3632Helena, MT 56924P/D: Grants for residents of or students attending institutions in Idaho, Montana, North Dakota and South Dakota.Contact: James O=Connell

Harriet Bouslog Labor Scholarship Fd.c/o Funding Trust Fund1149 Bethel Street, Rm. 207Honolulu, HI 96813 (808)536-8072Application Address:63 Merchant StreetHonolulu, HI 96813P/D: Scholarships to residents of Hawaii.Preference is given to applicant=s whose parents are members of labor organizations. Applications should include a brief resume of academic qualifications.

Clinton J. Carr Foundation Inc.P.O. Box 11022Telluride, CO 81435-4000P/D: Scholarships to high school graduates who reside in MO. Write for further guidelines.

Lyon Foundation Inc.65th & Scott Hamilton DriveLittle Rock, AR 72204

P/D: Grants for residents of AR pursuing private higher education. Contact foundation for further guidelines.Contact: Ralph Cotham, Secretary-Treas, Lyon FoundationP.O. Box 4408Little Rock, AR 72214

Chiefs Children=s Fundc/o Kansas City ChiefsOne Arrowhead DriveKansas City, MO 64129P/D: Scholarships to financially needy students from the Kansas City, MO area. Applications accepted throughout the year. Contact foundation for current application guidelines.Contact: Dale M. Young, Treasurer

Dodd and Dorothy L. Bryan Foun.P.O. Box 6287 (307)672-3535Sheridan, WY 82801P/D: Grants for resident of Sheridan, Campbell, and Johnson Counties, WY, and of Powder River, Rosebud, and Big Horn Counties, MT.Contact: Rose Marie Madia, Office Mgr.

Mark and Catherine Winkler Foun.4900 Seminary Road, (703)998-0400Alexandria, VA 22311P/D: Grants for residents of VA who are single parents.Contact: Lynn Ball, Executive Director

Callejo Botello Foundation Charitable Trust4314 N. Central Expwy. (214)741-6710Dallas, TX 75206P/D: Scholarships primarily to students planning to attend educational institutions in Texas. Completion of formal application required.Contact: William F. Callejo, Trustee

The Dave Cameron Educational Foun.P.O. Box 181 (803)684-4968York, SC 29745P/D: Grants for York, SC undergraduate students who maintain a minimum 2.0 GPA, based on financial need and academic achievement.Contact: John Adkins.

Alliance Franchise of TucsonP.O. Box 18851Tucson, AZ 85731Application Address:3801 Calle CortezTucson, AZ 85716P/D: Grants for scholarships, book awards, and medals to university and high school students in the Tucson, AZ area who are enrolled in french classes. Initial approach by letter. Completion of formal application required. Contact your french teacher for application.Contact: Antoinette Wagner, President

Battle Creek Community Foundation(formerly Greater Battle Creek Foun)One Riverwalk Ctr.34 West Jackson Street, (616)962-2181Battle Creek, MI 49017-3505 Fax: (616)962-2182P/D: Scholarships to residents of the greater Battle Creek, MI area. Initial approach through high school counselors. Completion of formal application required.

Contact: Brenda L. Hunt, V.P.

Maryland State Scholarship Admin.Maryland Distingquished Scholar AwardJeffrey Building16 Francis Street, (410)974-5370Annapolis, MD 21401P/D: Grants for graduates of, or seniors at a MD high school and legal resident of MD, who are in financial need. Contact foundation for further guidelines.

Brisley Scholarship Loan Fund(Formerly Ella Frances Brisley & Norma Brisley Phillips Scholarship Loan Fund)c/o Boatman=s First National Bank of Kansas City, 14 West 10th StreetP.O. Box 419119 (816)979-7481Kansas City, MO 64141-6119P/D: Scholarships to financially needy medical and nursing students attending accredited schools. Write for further guidelines.

Utah Board of RegentsStudent Incentive Grants, Educationally Disadvantaged Fund355 W. North Temple#3 Triad, Suite 550, (801)538-5247Salt Lake City, UT 84180P/D: Grants to residents of UT to attend eligible Utah institutions, substantial financial need, U.S. citizens and legal residents.

Anna Beal Trustc/o Mercantile Bank of Eastern IowaP.O. Box 88 (319)235-3235Waterloo, IA 50704-0088P/D: Scholarships to financially needy residents of Iowa studying in agriculture and biology-related fields, who attend colleges and universities previously select by the trustee. Contact trust for current application. Initial contact by letter or telephone.Contact: Vicki Angove, Asst. VP. & Trust Officer

Goldstein Scottish Rite TrustP.O. Box 021194Juneau, AK 99802P/D: Grants for needy graduates of local Juneau, Alaska, high schools. In financial need. Contact: James H. Taylor, Manager, 4365 N. Douglas Road (907)586-2849Juneau, AK 99801

The Community Foundation of Greater Chattanooga, Inc.1701 American National Bank BuildingChattanooga, TN 37402 (615)265-0586P/D: Grants for residents of Chattanooga area who will be working in nursing or social work. Academic achievement and financial need are required.Contact: Peter T. Cooper, Exec. Director

Vermont State Labor Council AFL-CIOJames Cross Scholarship149 State Street, Box 858Montpelier, VT 05602 (802)223-5229P/D: Grants for graduating high school seniors, dependent or member of a union affiliated with the Vermont AFL-CIO planning to attend an accredited educational institution. Contact: Tom BelvilleThe Hatterscheidt Foundation, Inc.c/o First Bank - Aberdeen320 South First Street (605)226-4126

Aberdeen, SD 57401P/D: Grants for residents of SD and Jamestown, ND, area high school seniors with financial need and 3.0 minimum GPA. Contact: Kaye De Young

Addison H. Gibson Foundation6PPG Place, Suite 860Pittsburgh, PA 15222 (412)261-1611P/D: Grant for residents of western PA, only after 1 year of self-maintenance study. Contact foundation for further guidelines.Contact: Rebecca Wallace Sapiente, Dir.

Charles P. Chapman Trustc/o First NH BankP.O. Box 2770 (603)634-6785.Concord, NH 03302-2770P/D: Scholarships to residents of Manchester NH, entering college as first-year students only. Completion of formal application required, including financial aid forms and high school transcript.Contact: Verne Pare, VP.

The Health Education FundDept. 550, P.O. Box 40200Jacksonville, FL 32202-0200(800) 457-6417P/D: Grants for High School Graduates from schools in the southeastern U.S. to study for the ministry, missionary activities, or social work.Contact: Donna Nichols

New Careers Scholarships for Adult StudentsUniversity of PittsburghBruce Hall, Second FloorPittsburgh, PA 15260 (412)624-7488P/D: Grants for adult students with financial need.Contact: Dr. Betsy Porter, Director of Financial Aid.

Cordelia Lunceford Beatty Trustc/o Security Bank Bldg. 2nd FloorP.O. Box 514 (405)363-3684Blackwell, OK 74631Application Address:105 North MainBlackwell, OK 74631P/D: Grants to Postsecondary scholarships and preschool tuition to financially needy residents of Blackwell, OK who are under the age of 19. Contact foundation for further guidelines.Contact: James R. Rogers, Trustee

Pickett and Hatcher Education Fund1800 Buena Vista Road Columbus, GA 31908 (706)327-6586P/D: Grants for residents of TN, and attending college. No funds available for technical or vocational students or for students planning to enter fields of medicine, law or the ministry.Contact: Robert E. Bennett, PresidentVermont Student Assistance Corp.Incentive GrantsChamplain Mill, P.O. Box 2000Winooski, VT 05404 (802)655-9602

P/D: Grants for residents of VT for minimum 1 year, high school graduate or equivalent to attend approved post-secondary VT institution, financial need, U.S. citizen or legal resident.

Treacy CompanyP.O. Box 1700 (406)442-3632Helena, MT 56924P/D: Grants for residents of or students attending institutions in Idaho, Montana, North Dakota and South Dakota.Contact: James O=Connell

The Barker Foundation, Inc.P.O. Box 328Nashua, NH 03061-0328P/D: Undergraduate scholarships primarily to residents of NH. Grants for scholarships are based on financial need, academic performance, and recommendations. Application by letter.Contact: Allan M. Barker, President

Field Cooperative Association, Inc.P.O. Box 5054 (601)939-9295Jackson, MS 39296P/D: Grants for residents of MS in financial need. Contact foundation for further guidelines.Contact: Ann Stephenson

James M. Hoffman Scholarship Trustc/o South Trust Bank of Alabama, N.S.P.O. Box 1000 (205)238-1000Anniston, AL 36202P/D: Grants for graduates of high school in Calhoun County, AL. Referral by high required. Contact: Bill Priddy

Laura Fields TrustP.O. Box 2394 (405)355-3733Lawton, OK 73502P/D: Grants for residents of Comanche County, OK in college and graduate school. Contact foundation for further guidelines.Contact: Jay Dee Fountain, Exec. Sec=y

District of Columbia State Student Incentive GrantDistrict of Columbia Office of Post-secondary Education, Research & Assist.2100 Martin Luther King Ave., SE Ste. 401Washington, DC 20020 (202)727-3688P/D: Grants for DC residents in financial need. Contact foundation for further guidelines.Contact: Shelia Kornegay, Acting Program Manager

Brewer Foundation, Inc.3819 Woodlaw Road, (919)443-1333Rocky Mount, NC 27804P/D: Scholarships for higher education to residents of North Carolina. Contact foundation for current application deadline and procedures.Contact: Joseph B. Brewer, Jr., President

North Dakota State Grant ProgramCapitol Building, Tenth Floor600 E. Boulevard (701)328-2960Bismarck, ND 58505P/D: Grants for ND residents planning to attend college in ND, rank in top 20% of graduating class and score in top 5% of ACT assessment, renewable.Contact: Peggy Wipf

Lois and Mary J. Abstine College Scholarship Fundc/o National City Bank, Indiana

P.O. Box 5031 (317)267-7315Indianapolis, IN 46255P/D: Scholarships to residents of Shelby County, IN. Completion of formal application required.Contact: Linda A. Richard, Trust Officer

Margaret A. and Lawrence J. Bennett Scholarship Fundc/o Chase Manhattan Bank270 Park Ave., 21st Fl.New York, NY 10017Application Address:c/o Capt. Vincent Doherty677 83rd Street, (718)383-9232P/D: Scholarships to children of New York City police officers, either active, retired, or killed in the line of duty. Applications accepted through the year. Contact fund for current application guidelines.

The William T. and Ethel Lewis Burton FoundationOne Lakeshore Drive, Suite 1700Lakes Charles, LA 70629 (318)433-0142P/D: Scholarships for southwest LA high school seniors and the McNeese State University, Louisiana football team. Applications accepted throughout the year. Initial approach by letter. Completion of formal application required.Contact: William B. Lawton, Chair.

John H. Biggs, Jr. Memorial Scholarship Fund811 B Dombarton Drive (908)920-1385Lakewood, NJ 08701P/D: Scholarships to students from Gloucester High School, MA who have been accepted at an accredited institution of higher education. Contact school for current application.Contact: John H. Biggs, Chair

The Maine Community Foundation, Inc210 Main Street, P.O. Box 148Ellsworth, ME 04605 (207)667-9735P/D: Grants for Residents of Maine in financial need. Contact foundation for further guidelines.Contact: Ms. D=Angelo, Assoc. Director

H. Fletcher Brown Trust(Formerly Florence H. Brown Trust)c/o PNC Bank, Delaware222 Delaware Ave., 16th Fl. Trust Dept.Wilmington, DE 19899 (302)429-2827P/D: Scholarships to financially needy DE residents, who were born in DE and are studying chemistry, engineering, law, medicine, or dentistry. Completion of formal application required, including transcript, SAT scores. Write foundation for guidelines.

A. P. & Louise Rouch Boys Foundationc/o Twin Falls Bank & Trust Company Trust DepartmentP.O. Box 7Twin Falls, ID 83303-0007P/D: Grants for students attending college in the Magic Valley area ID, financial need. Contact: Janice Stover, Asst. Trust Off.

Children=s Educational Opportunity Foundation of Southern California(also known as CEO Foundation of Southern California)P.O. Box 459 (310)407-1535Cerritos, CA 90702-0459

P/D: Scholarships to financially needy children from Los Angeles and Orange counties, CA to attend private, nonprofit schools in Los Angeles and Orange counties, CA. Children must qualify for the federal lunch program and must be entering grades K-8. Contact foundation for further guidelines.

Laura E. Porter TrustDrawer H (316)672-5533Pratt, KS 67124P/D: Grants for male graduates of Pratt County Community College, KS to further their education at a university approved by the trustees. Contact foundation for further guidelines.Contact: J. W. Van Blaricum, Bill Hampton, Jr., Mike Lewis, Trustees

Harvey Foundation, Inc.First Federal Building, Suite 5071519 Ponce de Leon AvenueSanturce, PR 00909P/D: Scholarships to residents of Puerto Rico. Contact foundation for further guidelines.Contact: Arthur J. Harvey, Jr., President

Nevada Dept. of Education400 West King Street, (702)885-3104Carson City, NV 89710P/D: Grants for Nevada administers financial aid programs through Nevada colleges. Write for guidelines.

The Ethan Allan Brown Scholarship Fd18 Tremont Street, Ste. 1040Boston, MA 02108P/D: Grants for undergraduate scholarships primarily to residents of MAWrite for guidelines.Contact: Frank Santangelo, Trustee

The Balso Foundationc/o The Ball & Socket Manufacturing Co.493 West Main StreetCheshire, CT 06410Application Address:c/o Guidance Dept.Cheshire High SchoolSouth Main Street, (203)272-5361Cheshire, CT 06410P/D: Scholarships to high school seniors and college undergraduates in Cheshire, CT and surrounding towns. Scholarships are only available for undergraduate study and are renewable. Completion of formal application required.

Albuquerque Community FoundationP.O. Box 36960 (505)883-6240Albuquerque, NM 87176-6960P/D: Scholarships and financial aid awards to residents of the state of NM. Recipients may be graduating high school seniors or continuing education adults. Contact foundation for current application. Initial approach by letter or telephone. Completion of formal application required. Each program requires a separate application.

Fred (B.A.) Batterton Fundc/o Kentucky BankP.O. Box 157Paris, KY 40362P/D: Scholarships to residents of Bourbon County, KY for medical education. Applications by letter accepted. Contact foundation for further guidelines.

Alexander Family Education Foundation Welfare Trust8401 N. E. Halsey, Suite 106

Portland, OR 97220Application Address:c/o Nicolas Alexander, Trustee802 N. E. 199th (503)666-9491Portland, OR 97233P/D: Scholarships to residents of Oregon. Completion of formal application required. Contact foundation for further guidelines.

Art and Clara Butts Scholarship Found.P.O. Box 577 (308)346-4509Burwell, NE 68823P/D: Scholarships to residents of Garfield County, NE and the surrounding areas. Completion of formal application, including academic transcripts, college application letter, and two letters of recommendation. Contact: Elinor Johns

Jacob Stump, Jr. & Clara Stump Memorial Scholarship FundBroadway & Charleston at 14th StreetP.O. Box 685 (217)234-6434Mattoon, IL 61938P/D: Grants for high school graduates from Coles, Cumberland, Douglas, and Moultrie Counties who will attend state supported Illinois colleges. Contact foundation for further guidelines. Contact: Trust Officer

Brevard Heart Foundation, Inc.228 Eighth Avenue (407)725-2292Indialantic, FL 32903P/D: Scholarships for residents of Brevard County, FL for nursing and medical education. Contact foundation for current application deadline. Initial approach in person or by letter. Completion of formal application required. Interviews for first-time applicants required. Contact: Dr. Jack Bechtel, President

Paul O. and Mary Boghossian Found.c/o The Rhode Island Hospital Trust National BankOne Hospital Trust PlazaProvidence, RI 02903 (401)278-8752P/D: Scholarships to Rhode Island residents. Completion of formal application required. Contact: Deidre W. S. Martin, V.P.

Peter J. Blosser Student Loan Fund(also known as Peter J. Blosser Scholarship Trust)P.O. Box 6160 (614)773-0043Chilicothe, OH 45601P/D: Grants to residents of Ross County, OH. Completion of formal application required, including copy of most recent tax return and copy of commutative GPA or transcript. Interviews required. Contact; Marie Rosebrook, Admin. Secy.

Helen S. Davis Scholarship Trust No.3c/o Norwest Bank Investment Mgmt. & Trust CompanyP.O. Box 597 (406)447-2065Helena, MT 59624-0597P/D: Scholarships to residents of Montana attending accredited medical schools. Completion of formal application required, including undergraduate transcript, three reference letters, federal income tax forms, and letter of acceptance. Contact: Fay Logan, Trust Officer.John A. Burns FoundationP.O. Box 1149Wahiawa, HI 96786P/D: Scholarships to public high school seniors from Hawaii only. For the study of education. Application by letter including any supporting materials.Contact: Robert C. Oshiro, President

The Charter Fund370 17th Street, Ste., 5300 Denver, CO 80202 (303)572-1727P/D: Scholarships to CO high school seniors. Contact foundation for current application deadline. Initial approach by letter or

telephone requesting application. Completion of formal application required. Contact: Cindy Kennedy

John Brandt Memorial Foundationc/o Northwestern National Bank831 66th Avenue, N.E. Trust Dept.Minneapolis, MN 55432-4502Application Address:c/o Gint BehrensP.O. Box 116 (612)481-2665P/D: Scholarships to graduate students of dairy and animal science at upper Midwest institutions. Contact foundation for guidelines.

Arkansas Community Foundation, Inc.700 S. Rock (501)372-1116Little Rock, AR 72202P/D: Scholarships for students who are AR residents. Call or write foundation for more information.Contact: Martha Ann Jones, President

The Burkhalter Educational Fundc/o First Baptist ChurchSeventh & South CarolineLouisiana, MO 63353P/D: Scholarships to students living in the area of First Baptist Church, Louisiana, MO. Completion of formal application required. Include parent=s tax return with form. Interviews required.

Paul Stock Foundation1135 14th StreetP.O. Box 2020 (307)587-5275Cody, WY 82414P/D: Education Grants for Cody, WY residents in financial need. Contact foundation for further guidelines.

Herbert E. and Marion K. Bragg Found.c/o Crestar Bank, N.A. Tax ServicesP.O. Box 27385, HDQ5905Richmond, VA 23261-7385Application Address:c/o Perry Gorham, Trust OfficerCrestar Bank510 South Jefferson StreetRoanoke, VA 14011P/D: Scholarships to students at colleges and universities in Maine and Virginia. Contact foundation for further guidelines.

Tom C. Barnsley Foundationc/o Nations Bank of Texas, N.A.P.O. Box 270 (915)685-2281Midland, TX 79702P/D: Scholarships to graduates of Crane High School, Texas studying agriculture related fields. Application accepted throughout the year.

S. Carolina Department of Veterans Aff.Governor=s Office, Dept of Veterans Affair225 Edgar Building (803)765-5104Columbia, SC 29201P/D: Grants for children of war veterans who were legal residents of SC at the time of their entry into the U.S. armed forces and who were killed in action or died of disease, disability, or other causes resulting from service. For undergraduate study at state supported SC institutions.

Contact: Jimmie L. Gresham, Field Off. Sp

Charlotte Hall School Board of TrusteesP.O. Box 283Charlotte Hall, MD 20622P/D: Scholarships to residents of MD for higher education. Contact foundation for further guidelines. Contact: William Runyon, President

BF Foundation23 East Fine Avenue - fax:(602)774-2810Flagstaff, AZ 86001-3217P/D: Grants for undergraduate scholarships primarily to AZ residents who are U.S. citizens and enrolled full-time at Northern Arizona University. Continuing education students at Arizona State University who are AZ residents and U.S. citizens may also apply. Completion of formal application required. Contact: Katherin Lee Chase, President

AEI Scholarship Fundc/o Society Bank100 South MainAnn Arbor, MI 48104P/D: Scholarship to financially needy female students accepted to or attending, accredited medical schools in the U.S. Applicant=s must maintain at least a AC+@ average. Completion of formal application required, including transcript, reference letter and verified financial information. Interviews granted upon request. Contact: B. Todd Jones,

Fuller E. Callaway Foundation209 Broome StreetP.O. Box 790 (706)884-7348Le Grange, GA 30241P/D: Scholarships to individuals who have been residents of Troup County, GA for at least two years. Initial approach by letter. Completion of formal application required. Interviews required at the discretion of the Scholarship Committee.Contact: J. T. Gresham, General Mgr.

Violet R. and Nada V. Bohnett Memorial Foundation15600 Redmond Way, Suite 200Redmond, WA 98052P/D: Scholarships to individuals primarily in western Washington, California, Arizona, Colorado, and Hawaii for the study of Christian ministry. Students from western WA have priority. Contact foundation for further guidelines.Contact: Mr. Jamie Bohnett, Admin.

Ruth Eleanor and John Ernest Bamberger Memorial Foundation1201 Walker Center (801)364-2045Salt Lake City, UT 84111P/D: Undergraduate scholarships to Utah residence, with preference given to nursing students. Occasional loans awarded for medical education. Contact: William H. Olwell, Secy-Treas.

Carter Family Foundationc/o United National Bank129 Main Street, Trust Dept.Beckley, WV 25801 (304)256-7300P/D: Grants to residents of WV who plan to become teachers in WV. Priority is shown to Raleigh County residents. Application by letter including resume. Contact: John Barry, Trust Div. Mgr.

Rex Bishop and Christine Bishop Perpetual Scholarship Fund for Iowa Valley Community School DistrictP.O. Box 267888 Court Ave., (319)642-5521

Marengo, IA 52301P/D: Scholarships to students residing in Iowa Valley Community School District for higher education, including college, trade, and technical education with the state of Iowa. Completion of formal application required.Contact: Charles R. Dillin, Trustee

Arctic Education Foundation301 Arctic Slope AvenueAnchorage, AK 99518Application Address:c/o Flossie AndersonP.O. Box 129 (907)852-8633Barrow, AK 99723P/D; Scholarships to worthy and financially needy Native Alaskan students residing in the Arctic and descendants of persons residing in the Arctic for post secondary education. Applications accepted throughout the year. Initial approach by letter requesting application.Completion of formal application req=d.

Jim Blevins FoundationP.O. Box 150056 (615)298-5000Nashville, TN 37215P/D: Scholarships primarily to residents of TN. Application by letter. Write for guidelines. Contact: Jim V. Blevins, Trustee of Chester Academyc/o First Vermont Bank & Trust Co.P.O. Box 595, Banknorth Group Tax Dt.Williston, VT 05495-0595P/D: Scholarships to high school graduates residing in Chester, VT. Contact foundation for current application guidelines.

Engen Seminary Student Scholarship Assistance Trustc/o First Bank of South Dakota, N.A. Trust Dept.P.O. Box 90Rapid City, SD 57709Application Address:c/o Evangelical Lutheran Church in America Presho, SD 57568P/D: Scholarships to students who are members of the Evan. Lutheran Church and attend an accredited ELCA seminary in preparation for the parish ministry.

Abernathy Black Community Development & Educational Fund325 Washington Trust Bldg.Washington, PA 15301Application Address:P.O. Box 177Washington, PA 15301P/D: Scholarships to African-American students from Washington, PA to attend colleges and technical schools. Contact foundation for current application.

J. Wilfred Anctil Foundationc/o Fleet NH Investment ServicesP.O. Box 2770Concord, NH 03302-2770Application Address:c/o Wayne NelsonP.O. Box 96Nashua, NH 03061-0096P/D: Scholarships for higher education to needy residents of the greater Nashua, NH area. Initial approach by letter, including high school or college transcript of grades and a statement of need.

Andalusia Health Services, Inc.P.O. Box 667

Andalusia, AL 36420P/D: Scholarships to residents of Covington County, AL who are pursuing a degree in a health related field, such as nursing, medicine, and medical or laboratory technology. Completion of formal application required. : Carolyn Davis

Fern Brown Memorial Fundc/o Liberty Bank & Trust Co. of Tulsa, NAP.O. Box 1 (918)586-5594Tulsa, OK 74193P/D: Scholarships to residents of OK. Applications by letter accepted throughout the year. Contact foundation for further guidelines. Contact: Mike Bartel, V.P.

Phil Hardin FoundationP.O. Box 187Meridian, MS 39302-0187P/D: Grants to residents of MS in financial need. Contact foundation for further guidelines.Ernest G. Arps Memorial Education c/o Branch Banking & Trust Co.223 West Nash StreetWilson, NC 27893Application Address:c/o Samuel Styons, TrusteeP.O. Box 1271Plymouth, NC 27962P/D: Scholarships to residents of Washington County, NC to attend a four year college in NC. Completion of formal application required, including photographs.

Gabriel J. Brown Trust112 Ave., E. WestBismarck, ND 58501-3662(701)223-5916 or (701)223-5119P/D: Grants to financially needy residents of ND. Initial approach by letter or telephone. Completion of formal application required, including current grade level, GPA, and financial information. Contact foundation for further guidelines.

William M. and Louise O. Allen Scholarship Fundc/o National City Bank, IndianaP.O. Box 5031 (317)267-7280Indianapolis, IN 46255P/D: Scholarships to high school graduates in Montgomery County, IN who plan to attend IN colleges and universities. Completion of formal application required, including a letter outlining financial need and future plans.Contact: David Houck, Trust Officer

Otto Sussman TrustP.O. Box 1374Trainsmeadow StationFlushing, NY 11370-0998P/D: Grants for residents of NY, NJ, OK, PA, demonstrate financial need due to death or illness in family. Write for further guidelines. Contact: Edward S. Miller, Trustee

Carl & Grace Baker Memorial Scholarship Loan Fund Trustc/o Bank of Stockton, Trust Dept.P.O. Box 1110Stockton, CA 95201P/D: Educational grants to students in the public school system within the territorial jurisdiction of Stockton, CA Scottish Rite Bodies. Completion of formal application required, including three references and transcript. Contact: R. W. Friedberger

Board of Trustees Academic AwardsLouisiana Tech University

P.O. Box 7925, Tech StationRouston, LA 71272 (800)528-3241P/D: Grants for students in good academic standing financial need. Contact foundation for further guidelines.Contact: Jan Albritt, Financial Officer.

Career Advancement AwardsNew Jersey Institute of TechnologyUniversity HeightsNewark, NJ 07102 (201)596-3100P/D: Grants for NJ freshmen who are women and/or minority students in financial need. Contact foundation for further guidelines. Contact: Joanne Range

The William L. and Victorine Q. Adams Foundation, Inc.306 Mondawmin Mall2401 Liberty Heights AvenueBaltimore, MD 21215Application Address:c/o Adams Future Business Leader Scholarship Fund Assoc. Black Charities1114 Cathedral St., 2nd FloorBaltimore, MD 21201 (410) 659-0000P/D: Undergraduate scholarships to financially needy African-American residents of the City of Baltimore, MD who are U.S. citizens, for the study of business. Completion of formal application required, including GPA transcript, financial statement, recommendation from high school official Contact foundation for further guidelines. Contact: Blanche D. Rodgers.

State of Idaho ScholarshipP.O. Box 83720 (208)334-2270Boise, ID 83720-0037 P/D: Grants to graduates of Idaho high schools to attend Idaho institutions. Write for guidelines. Contact: Caryl Smith

Top

Arizona Ventures Rockies Venture Club, Inc.

Venture Capital SourcesBirmingham Venture ClubChamber of CommerceP.O. Box 10127Birmingham, AL 35202205-323-5461205-250-7669 faxContact: Patricia Fox

Mobile Venture Clubc/o Mobile Area Chamber of5 Commerce451 Government StreetMobile, AL 36652205-443-6951 fax:205-431-8608Contact: Walter Underwood

Sherman ShoresAlabama Development Office401 Adams Ave., #600Montgomery, AL 36130205-242-0400 fax: 205-242-0486

Small Business Administration2121 Eighth Ave., N. Suite 200Birmingham, AL 35202-2398205-731-1344 fax: 205-731-1404

Small Business Administration222 West 8"- AvenueP.O. Box 67Anchorage, AK 99513-7559907-271-4022 fax: 907-271-4545

Alaska Pacific Venture Club405 W. 27* AvenueAnchorage, AK 99503907-563-3993 fax: 907-279-9319

Bureau of Indian AffairsP.O. Box 25520Juneau, AK 99802-5520(907) 586-7600

Small Business Assistance2828 N. Central Ave., #800Phoenix, AZ 85004-1025602-280-1480

Florida Venture Group2838 Kansas StreetOviedo, FL 32765407-365-5374407-365-5374 faxContact: Maryjim King

Hawaii Venture Capital Assoc.University of Hawaii, OTTED2800 Woodlawn Drive., Ste. 280Honolulu, HI 96822808-526-1277 fax:808-524-2775

2419 N. Black Canyon Hwy.. Ste.4Phoenix, AZ 85009602-254-8560fax: 602-254-9650Contact: Merritt Chamberlain

Venture Resources, Inc.100 S. Main Street, Ste. 416Little Rock, AR 72201501-375-2004 fax: 501-375-8317

Orange Coast Venture Groupc/o American Accounting23011 Moulton Prkwy., Ste. F2Laguna Hills, CA 92653714-855-0652fax:714-859-1707Contact: Renee Wagoner

Orange County Venture GroupP.O. Box 2011Laguna Hills, CA 92654714-855-0652fax:714-380-1128Contact: Gregory Beck

Community Entrepreneurs OrganizationP.O. Box 2781San Rafael, CA. 94912415-435-4461Contact: Dr. Robert Crandall

San Diego Venture Group750 'B' Street, Ste. 2400San Diego, CA. 92101619-595-0284fax: 619-231-8055

Small Business Administration211 Main StreetSan Francisco, CA. 94501-1988415-744-6820 fax:415-744-6812Local Offices:Fresno: 209-487-5189Los Angeles: 213-894-2956Sacramento: 916-551-1426San Diego:619-557-7252San Francisco: 415-744-6820Santa Ana:714-836-2494Ventura: 805-642-1866

Treasure Valley Venture Capital Forum Idaho Small Business Development CenterBoise State University College ofBusiness1910 University DriveBoise, ID 83725208-385-1640

Iowa City DevelopmentICAD GroupP.O. Box 2567Iowa City, IA 52244319-354-3939 fax:319-338-9958

4950 E. Evans, Ste. 115Denver, CO 80222303-831-4174Contact: Maita Lester

Small Business AdministrationU.S. Customs House99918th Street, #701Denver, CO 80202303-294-7186 fax:303-294-7153

Colorado Community College and Occupational Education System1391 N. Speer Blvd., Suite 600Denver, CO 80204303-620-4000

Connecticut Venture Capital Fund200 Fisher DriveAvon, CT 06001203-677-0183203-676-0405Contact: Sam Me Kay

Baltimore-Washington Venture Group Michael Dingman Center for EntrepreneurshipCollege Park, MD 20742-7215301-405-2144fax:301-314-9152 Contact: Mark Feuerberg

Economic Development andCommercial RevitalizationBureau of Community Assistance2740 Centerview DriveRhyne Building, Tallahassee, FL, 32399-2100904-488-3581

Gold Coast Venture Capital Club5820 N. Federal, Ste. A-2Boca Raton, FL 33478407-997-6594fax:407-997-6347 faxContact: Mike Donnelly

Gold Coast Venture Capital Club11401-A W. Palmetto Park Rd., Ste. 202Boca Raton, FL 33428407-488-4505 fax:407-487-4483

Madison Dearborn Partners70 W. Madison, Ste. 1330Chicago, II 60602312-732-5400 fax:312-732-4098

Small Business Administration500 West Madison, Suite 1250Chicago, IL 60661-2511312-353-4528 fax: 312-886-5108

Richmond Venture Capital Club9101 Midlothian, Ste. 900Richmond, VA 23235804-560-7000Contact: Sally Cook

Northwest Venture GroupP.O. Box 21693Seattle, WA 98111206-746-1973

Enterprise Venture Capital CompanyP.O. Box 460Summerville, WV 26651304-872-3000 fax :304-872-3040Contact: William Bright

Wisconsin Venture Network823 N. Second Street, Ste. 605Milwaukee, Wl 53203414-278-7070

Puerto Rico Venture Capital ClubP.O. Box 2284HatoRey,PR009191-800-787-9040Contact: Danol Morales

Johannesburg Venture Capital Club162 Anderson StreetP.O. Box 261425EXCOM 2023 RSAJohannesburg, South Africa, 2001Contact: Graham Rosenthal

Cape Town Venture Capital Assoc.c/o Arthur Anderson and Company12*" Floor, Shell HouseCapetown, South Africa, 8001Contact: Colin Hultzer

Westchester Venture Capital Network c/o Chamber of Commerce222 Mamaroneck AvenueWhite Plains, NY 10605914-948-2110 fax:914-948-0122

Rochester Venture Capital Group100 Corporate Woods, Ste. 300Rochester, NY 14623

Enterprise Venture Capital Corporation of Pennsylvania111 Market StreetJohnstown, PA 15901814-535-7597 fax:: 814-535-8677

The CPA Firm Coopers and Lybrand1251 Avenue of the AmericasNew York, NY 10020212-536-2000 fax 212-536-1858

Venture Economics, Inc.22 Pittsburgh StreetBoston, MA 02210617-345-2504Contact: Kelly Mc Gow

Securities Date Publishing40 W. 57th Street11th FloorNew York, NY 10019212-333-9274Contact: David Fabel

Office of Community Planning andDevelopment DivisionDepartment of Housing and Urban Dev..10 Causeway Street, 3'" FloorBoston, MA 02222617-565-5345

Michigan Department of Commerce525 W. OttawaLansing, MI 48909517-373-9017

Small Business Administration515 MacNamara Bldg.477 Michigan AvenueDetroit, MI 48226 .313-226-6075 fax : 313-326-4769

Missouri Department of Economic Dev.P.O. Box 118Jefferson City, MO 65102314-751-0717

Long Island Venture GroupCW Post Campus, Long Island Univ. College of ManagementDeans Office, Worth HallRoom 309, North Blvd.Brookville,NY 11548516-299-3017 fax:516-299-2786 Contact: Carol Caracappa

New York Venture Group605 Madison Avenue, Ste. 300New York, NY 10022-1901212-832-7300 fax:212-832-7338 Contact: Burt Alimansky

Small Business Administration60 Park Place, 4th FloorNewark, NJ 07102201 -645-2434 fax: 201 -645-6265

Small Business AdministrationRegional Office26 Federal Plaza, Room 3100New York, NY 10278212-264-2454 fax 212-264-4963

Small Business Administration911 Walnut Street, 13* FloorKansas City, MO 64016816-426-3608 fax: 816-426-5559

Local Government Assistance Division Department of Commerce1424 9th AvenueHelena, MT 59620406-444-3757

Edmonton Chamber of Commerce600 10123 99th StreetEdmonton, Alberta Canada T5J 3G9403-464-3560Contact: Ace Cetinski

Venture Capital/Entrepreneurship Club of Montreal, Inc.1670 Sherbrooke StreetEast Montreal (Quebec) Canada, H2L IM5514-526-9490 Contact: ClaudeBelanger

Montana Private Capital Network7783 Valley View RoadPoulson, MT 59860406-883-5470406-883-5470 faxContact: Jon Marchi, President

Grand Island Industrial Foundation309 W 2"" StreetP.O. Box 1486Grand Island, ME 68802-1486308-382-9210 fax:308-382-1154 Contact: Andrew G. Baird, II CED

Venture Assoc. of New Jersey, Inc.177 Madison Avenue., CN 1982Morristown, NJ 07960201-267-4200 fax:201-984-9634 Contact: Amy or Jay Trien

CHAPTER 2FREE FEDERAL MONEY FOR BUSINESSES

Top

The Federal Government is the World=s Largest Source of free grant money, to help start or expand a business. You may think, Why haven=t I heard about these free cash giveaways before?

The government does not really advertise the availability of grant programs to the public. Those who happen to hear about the programs, find it difficult to locate the right office, cannot get all the necessary information, and find that there are so many programs, that not even the government employees know the procedure=s to follow. For some, it becomes a losing battle and they give up in total frustration.

Generally, people do not believe that government cash giveaway programs are for the average person, they also tend to believe budget cut headlines, and thus fewer people attempt to get their share of available free grant money. Many programs saw applications for grant money drop by 30 percent when, in fact, the amount of money available remained the same or even increased.

Federal Information Centers Program (FIC) is a focal point for information about the Federal Government. The FIC assists people who have questions about Federal services, programs, and regulations, but do not know where to turn for an answer. FIC information specialists either answer an inquirer=s questions directly or perform the necessary research to locate and refer the inquirer to the expert best able to help. There is a new toll-free telephone number, nowavailable for all states; 1-800-688-9889. Or write to the Federal Information Center, P.O. Box 600 Cumberland, MD 20501. TDD users may reach the FIC by dialing a toll-free number, 1-800-326-2996.

SMALL BUSINESS ASSISTANCE SOURCES Top

There are many SBA programs you can apply for. For more complete information, write to the Small Business Administration, 1441 "L" St. NW Room 602 Washington, DC. 20416. Or Call (716) 282- 4612 or (202) 482-3261. They can provide you with information on obtaining Grant Money For:

$ Women's Enterprises$ Technical Assistants to Small Businesses$ Investors in Rental Apartment Buildings Who are in Financial Trouble$ For Doing Business in Low Economic Areas$ Small Business Research$ Investors, Builders or Developers of Rental Housing for the Elderly$ Training to Help Small Business Managers Operate Their Businesses$ Indian-Owned Businesses$ Minority-Owned Businesses, with awards from $ 10,000 to $5 million.$ Low-to-Moderate Income Housing (these are low % loans) from $1,000 to $70,000$ and many more

If any phone numbers are incorrect, please call (area code) 555-1212 and request new listing

SMALL BUSINESS DEVELOPMENT CENTERS TopSmall Business Development Centers (SBDCs) could be the best deal the government has to offer

to entrepreneurs and inventors, and a lot of people don't even know about them! Where else inthe world can you have access to a $150 an hour consultant for free? There are over 700 of theseoffices all over the country and they offer free (or very low cost) consulting services on mostaspects of business including:

- how to get financing- how to write a business plan and more.There are Small Business Development Center centers in all States. Starting with:

Alabama

Funding Source:Office of State DirectorAlabama Small Business DevelopmentConsortiumUniversity of Alabama at Birmingham1717 11th Ave. S., Suite 419Birmingham, AL 35294-7645205-934-7260Fax: 205-934-7645

Auburn UniversitySmall Business Development Center108 College of BusinessAuburn, AL 36849-5243334-844-4220Fax: 334-844-4268

University of Alabama at BirminghamSmall Business Development Center160111th Ave. S.Birmingham, AL 35294-2180205-934.6760Fax- 205-934-0538

Alabama Small Business Procurement SystemUniversity of Alabama at BirminghamSmall Business Development Center1717 11th Ave. S., Suite 419Birmingham, AL 35294-4410205-934-7260Fax: 205-934-7645

University of North AlabamaSmall Business Development CenterP.O. Box 5248Keller Hall, School of BusinessFlorence, AL 35632-0001205-760-4629Fax: 205-760-4813

North East Alabama Regional Small BusinessDevelopment CenterAlabama A&M University and University of Alabama in Huntsville225 Church St., NWHuntsville, AL 35804-0168205-535-2061Fax: 205-535-2050

Jacksonville State UniversitySmall Business Development Center

Matanuska-Susitna BoroughSmall Business Development Center1801 Parks Highway, #C-18Wasilla, AK 99654907-373-7232Fax : 907-373-2560

Kenai PeninsulaSmall Business Development Center110 S. Willow St., Suite 106Kenai, AK 99611-7744907-283-3335Fax : 907-283-3716

Arizona

Funding Source:Arizona Small Business Development Center9215 N. Black Canyon HighwayPhoenix, AZ 85021602-943-9818Fax: 602-943-3716

Coconino County Community CollegeSmall Business Development Center3000 N. 4th St., Suite 25Flagstaff, AZ 86004520-526-5072Fax: 520-526-8693 1-800-350-7122

Northland Pioneer CollegeSmall Business Development CenterP.O. Box 610Holbrook, AZ 86025520-537-2976Fax: 520-524-2227

Mojave Community CollegeSmall Business Development Center1971 Jagerson Ave.Kingman, AZ 86401520-757-0894Fax : 520-787-0836

Rio Salado Community CollegeSmall Business Development Center301 West Roosevelt, Suite BPhoenix, AZ 85003602-238-9603Fax: 602-340-1627

Gateway Community College

Cochise CollegeSmall Business Development Center901 N. Colombo, Room 411Sierra Vista, AZ 85635602-459-9778Fax: 602-459-97371-800-966-7943, ext. 778

Eastern Arizona CollegeSmall Business Development Center622 College Ave.Thatcher, AZ 85552-0769602-428-8590fax: 602-428-8462

Pima Community CollegeSmall Business Development Center4M3 E. Broadway, Suite 101Ticsoil, AZ 85709-1260602-748-4906Fax: 602-748-4585

Arizona Western CollegeSmall Business Development Center281 W. 24th St.1152 Century PlazaYuma, AZ 85364520-341-1650Fax : 520-726-2636

Arkansas

Funding SourcesArkansas Small Business DevelopmentCenterUniversity of Arkansas at Little RockLittle Rock Technology Center Building100 S. Main, Suite 401Little Rock. AR 72201501-324-9043Fax: 501-324-9049

Henderson State UniversitySmall Business Development CenterP.O. Box 7624Arkadelphia, AR. 71923501-230-5224Fax: 501-230-5236

University of Arkansas at FayettevilleSnall Business Development Center

114 Merrill HallJacksonville, AL 36265205-782-5271Fax: 205-782-5179Livingston University

Small Business Development Center212 Wallace HallLivingston, AL 35470205-652-9661, ext. 439Fax: 205-652-9318

Small Business Development Center108 N. 40th St.Phoenix, AZ 85034602-392-5223Fax: 602-392-5329

Yavapal CollegeSmall Business Development Center117 E. Gurley St., Suite 206Prescott, AZ 86301602-778-3088Fax: 602-778-3109

College of Business - BA 117Fayetteville. AR 72701501-575-5148Fax: 501-575-4013

Arkansas State UniversitySmall Business Development CenterP.O. Box 1403Jonesboro, AR 72467501-932-3957Fax::501-932-0135

Genesis Technology Incubator SmallBusiness Development CenterUniversity of Arkansas Engineering Research CenterFayetteville, AR 72701-1201501-575-7446Fax: 501-575-7446

W. Arkansas Regional Office-SBDC1109S. 16111 St.P.O. Box 2067Fort Smith, AR 72901501-78.5-1376Fax: 501-785-1964

NW Arkansas Regional Office-SBDC818 Highway 62-65-412 N.P.O. Box 190Harrison, AR 72601501-741-8009Fax: 501-741-1905

W. Central Arkansas Regional Office-SBDC835 Central Ave., Box 402-DHot Springs, AR 71901501-624-5448Fax: 501-624-6632

NE Arkansas Regional Office-SBDC100 S. Main. Suite 401Little Rock, AR 72201501-324-9043Fax: 501-324-9079

SW Arkansas Regional Office-SBDC600 Bessie, P.O. Box 767Magnolia, AR 71753501-234-4030Fax: 501-234-0135

SE Arkansas Regional Office-SBDCEnterprise Center III400 Main, Suite 117Pine Bluff, AR 71601501-536-0654Fax: 501-536-7713

Arkansas State University-SBDCDrawer 1650State University, AR 72467501-972-3517Fax: 501-972-3868

Stuttgart Regional Office-SBDC301 S. Grand, Suite 101P.O. Box 289Stuttgart, AR 72160501-671-8707.Fax : 501-673-8707

California

Funding Sources:California Small Business DevelopmentCenter

Central Coast Small Business AssistanceCenter6500 Sequel Dr.Aptos, CA 95003408-479-6136Fax: 408-479-6166

Sierra CollegeSinai] Business Development Center560 Wall St., Suite JAuburn, CA 95603916-885-5488Fax: 916-823-4142

Weill InstituteSmall Business Development Center1330 22nd St., Suite BBakersfield, CA 93301805-322-5881Fax: 805-322-5663

Butte College Tri-County Small Business Development Center260 Cohasset Ave., Suite AChico, CA 95926916-895-9017Fax: 916-895-9099

Southwestern CollegeSmall Business Development Center andInternational Trade Center900 Otay Lakes Rd., Bldg. 1600Chula Vista, CA 91910619-482-6393Fax: 619-482-6402Satellite OperationSmall Business Development CenterHilltop Professional Ctr.Suite 205, Box 4550Clearlake, CA 95422-4550707-996-3440Fax: 707-995-3605

North Coast Small Business DevelopmentCenter207 Price MallCrescent Cily, CA 95531707-464-2168Fax: 707-445-9652

North Coast Satellite Center529 E. St.Eureka. CA 95501707-465-6008Fax: 707-445-9652

Central California Small Business1999 Tuolumine St., Suite 650Fresno, CA 93721209-275-1223Fax: 209-275-1499

Gavilan CollegeSmall Business Development Center7436 Monterey St

Accelerate Technology Small BusinessDevelopment CenterGraduate School of ManagementRoom 230, University of CaliforniaIrvine, CA 92717-3125714-509-2990Fax: 714-509-2997

Greater San Diego Chamber of CommerceSmall Business Development Center4275 Executive Square, Suite 920La Jolla, CA 92037619-453-9388Fax: 611-450-1997

Export Small Business Development Centerof Southern California110 E. 9th. Suite 669Los Angeles, CA 90079213-892-1111Fax: 213-892-8232Satellite OperationSmall Business Development Center1632 N. St.Merced, CA 95340209-385-7312Fax: 209-383-4959

Valley Sierra Small Business DevelopmentCenter1012 11th St., Suite 300Modesto, CA 95354209-521-6177Fax: 209-521-9373

Napa Valley CollegeSmall Business Development Center1556 First St., Suite 103Napa. CA 94559707-253-3210Fax: 707-253-3068

East Bay Small Business Development Center519 17th St., Suite 210Oakland, CA 94612510-893-4114Fax: 510-893-5532

Satellite OperationSmall Business Development Center300 Esplanade Dr., Suite 1010Oxnard, CA 93030805-981-4633Fax: 805-988-1862

Eastern Los Angeles County Small BusinessDevelopment Center363 Main St., Suite 101

Low Interest Loans To Start A Business In A Small Town TopThe Intermediary Relending Program (IRP) is a rural development program administered by the Rural Business-Cooperative Service (RBS). The purpose is to provide loans for the establishment of new businesses, expansion of existing businesses, creation of new employment opportunities, saving of existing jobs, and funds to recipients for business facilities or community development projects in rural areas. Loans are made to intermediaries who relends fundsto recipients for business facilities or community development. You can borrow up to $150,000 with a maximum term of 30 years and an interest rate as low as one percent per year. For information, copies of regulations, and forms, contact any USDA, Rural Development State Office or write to the RBS National Office at USDA, Rural Business-Cooperative Service, 1400 Independence Avenue, SW, Room 5050 South Building, Washington, DC 20250; 202-720-1400. Contact the USDA Rural Development office closest to you.

AlabamaContact the USDA Rural Development office closest to you

AlaskaAlaska Village Initiatives1577 C Street #304Anchorage, AK 99501907-274-5400

Tanana Chiefs Conference1221st AvenueFairbanks, AK 99705907-452-8251

Juneau Economic Development Council612 W. Willoughby Ave., Suite AJuneau, AK 99801-1732907-463-3662

ArizonaBusiness Development Finance Corporation(BDFC)186 East Broadway BoulevardTucson, AZ 85701520-722-5626

Northern Arizona Council of Governments119 East Aspen AvenueFlagstaff, AZ 86001-5296520-774-1895

PEEP Microbusiness806 East 46th StreetTucson, AZ 85713520-622-3553

ArkansasArkansas Capital Relending Corporation225 South Pulaski StreetLittle Rock, AR 72201501-374-9247

Active/Approved IRP LoansArkansas Development Finance Authority100 Main Street, Suite 200Little Rock, AR 72201501-682-5900

Arkansas Enterprise Group708 Clinton Street, Suite 111Arkadelphia, AR 71732870-246-9739

Arkansas Land and Farm DevelopmentCorporationRt. 2, Box 291Brinkley, AR 72012870-734-1140

Community Resource Group38 West Trenton BoulevardFayetteville, AR 72701501-443-2700 Fax: 501-443-5036

Delta Community Development Corporation335 West Broadway StreetForrest City, AR 72335870-633-9112

East Arkansas Planning and DevelopmentDistrictP.O. Box 1403Jonesboro, AR 72403870-932-3957

Mississippi County AR EconomicOpportunity Commission2513 AtlantaBlytheville, AR 72315870-532-2348

Southwest Arkansas Planning andDevelopment DistrictP.O. Box 767Magnolia, AR 71753870-234-4030

White River Planning and DevelopmentDistrictP.O. Box 2396Batesville, AR 72503870-793-5233

CaliforniaArcata Economic Development CorporationAldergrove Industrial Park100 Ericson Court, Suite 100Arcarta, CA 95521707-822-4616Fax: 707-822-8982

CDC Small Business Finance Corporation

1224 State Street, Suite CEl Centre, CA 92243760-353-3095Fax: 760-353-0305

California Capital Small BusinessDevelopment Corporation926 J Street, Suite 1500Sacramento, CA 95814916-442-1729Fax: 916-442-7852

California Coastal Rural DevelopmentCorporation221 Main StreetSuite 301Salinas, CA 93901831-424-1099Fax: 831-424-1094

Santa Cruz831-459-6095Fax: 831-459-6097

California Statewide Certified DevelopmentCorporation129 "C" StreetDavis, CA 95616530-756-9310Fax: 530-756-7519

Crown Economic Development Corporation1222 W. Lacey Blvd., Suite 101Hanford, CA 93230209-582-4326209-582-7908

Del Norte Economic Development882 "H" StreetP.O. Box 728Crescent City, CA 95531707-464-2169Fax: 707-464-3561

Lake County Business Outreach & Response Team

4615 Work Right Circle, Suite BLakeport, CA 95453707-262-1090Fax: 707-262-1092

Rural Community Assistance Corporation2125 19th Street, Suite 203Sacramento, CA 95818916-447-2854Fax: 916-447-2878

SAFE-BIDCO1626 Fourth StreetSanta Rosa, CA 95404707-577-8621Fax: 707-577-7348

Tri-AgencyP.O. Box 473Crescent City, CA 95531707-464-7288

Superior California HDD737 Auditorium Drive, Suite ARedding, CA 96001530-225-2769

Tri-County Economic Development Corporation2540 Esplanade, Suite 7Chico, CA 95973530-893-8732Fax: 530-893-0820

Valley Small Business DevelopmentCorporation3417 W. Shaw, Suite 100Fresno, CA 93711559-271.9030Fax: 559-271-9078

Yuba-Sutter E.D.C.422 Century Park Drive, Suite BYuba City, CA 95991530-751-8555Fax: 530-751-8515

ColoradoThe Colorado Housing & Finance Authority1981 Blake StreetDenver, CO 80202303-297-2432800-877-CHFATDD: 303-297-7305

Mercy Housing, Inc.601 East 18th Avenue #150Denver, CO 80203303-393-3908

ConnecticutContact the USDA Rural Development office closest to youDelawareContact the USDA Rural Development office closest to you

FloridaJackson County Development CouncilP.O. Box 920Moriama, FL 32447850-526-4005

Community Equity Investments, Inc.302 North Barcelona StreetPensacola, FL 32501850-595-6234

GeorgiaCentral Savannah River Area Rural LendingAuthority, Inc.2123 Wrightsboro RoadAugusta, GA 30914706-737-1823

Coastal Area District Development Authority1313 New Castle Street, 2nd FloorBrunswick, GA 31520912-261-2500

Development Corporation of Middle Georgia600 Grand Building651 Mulberry StreetMacon, GA 31201912-751-6160

Georgia Mountains Regional EconomicDevelopment Corporation1010 Ridge RoadGainesville, GA 30501404-536-3431

Middle Flint Area Development Corporation228 West LamarAmericus, GA 31709912-931-2909

South Georgia Area Resource DevelopmentAgency, Inc.327 West Savannah AvenueValdosta, GA 31601912-333-5277

Fort Valley State University FoundationRural Business Outreach Institute10005 State University DriveFort Valley, GA 31030912-825-6060

HawaiiLokahi Pacific1935 Main Street, Suite 204Wailuku, HI 96793808-242-5761Fax: 808-244-2057

Molokai Ranch Foundation55 Merchant Street, Suite 2000Honolulu, HI 96813808-531-0158

Fax- 808.511-2279

IdahoPanhandle Area CouncilPlanning & Development Association11100 Airport Drive10624 W. Executive DriveHayden Lake, ID 83835Boise, ID 83713208-772-0584208-322-7033

East Central Idaho Planning andDevelopmentSoutheast Idaho Council of GovernmentsP.O. Box 330310 N 2nd EastRexburg, ID 83440208-356-4524

P.O. Box 6079Pocatello, ID 83205-6079208-233-4032Clearwater Economic DevelopmentAssociation1626 6th Avenue, NorthLewiston, ID 83501208-746-0015

IllinoisSouth Central Illinois Regional Planning andDevelopment Commission120 Delmar Avenue, Suite ASalem, IL 62881-2006618-548-4234

City of Oiney300 South Whittle AvenueOiney, IL 62450618-395-7302

City of FloraP.O. Box 249151 North Sycamore StreetFlora, IL 62838618-662-8313

Illinois Development Finance Authority150 Pleasant Hill RoadBox 46Carbondale, IL 62901618-453-5566

IndianaCity of Tell CityP.O. Box 515City Hall BuildingTell City, IN 46586812-547-5511

IowaDubuque County720 Central AvenueDubuque, IA 52001319-589-4441

Albia Industrial Development Corporation

6 South MainAlbia, IA 52531515-932-7053

Upper Explore Land Regional PlanningCommission134 West Green StreetP.O. Box 219Posiville, IA 52162319-864-7551

Butler County Rural Electric Cooperative428 6th StreetAllison, IA 50602

319-267-2858

Cherokee Area Economic DevelopmentAssociation418 West Cedar StreetCherokee, IA 51012-1340712-225-5739

Humbolt County Development AssociationCourthouse Box 100Dakota City, IA 50529-0100515-332-5205

Newton Development Corporation

113 First Avenue WestNewton, IA 50208800-792-1737

Wright CountyP.O. Box 214Clarion, IA 50525515-532-6422

Sheldon Community DevelopmentP.O. Box 276Sheldon, IA 51201712-324-2813

KansasSouth Central Kansas Economic

Development District (SCKEDD)151 North VolutsiaWichita, KS 67214316-683-4422

Great Plains Development Inc. (GPDI)100 Military PlazaDodge City, KS 67801316-227-6406

KentuckyAppalachian Investment Corporation431 Chestnut Street, Suite 7Berea, KY 40403606-986-2375

Buffalo Trace Area Development District327 West 2nd StreetP.O. Box 460Maysville, KY 41056606-564-6894

Barren River Area Development District177 Graham AvenueP.O. Box 90005Bowling Green, KY 42102-9005502-781-2381Fax: 502-842-0768

Harlan Revitalization Association, Inc.P.O. Box 1709Harlan, KY 40831606-573-7698Kentucky Highlands Investment Corporation400 South Main StreetLondon, KY 47476606-864-5175

Pennyrile Area Development District300 Hammond DriveHopkinsville, KY 42240502-886-9484Fax: 502-886-3211

Purchase Area Development District1002 Medical DriveP.O. Box 588Maysfield, KY 4206502-247-7171Fax: 502-247-9000

LouisianaEvangeline Economic & Planning DistrictP.O. Box 90070Lafayette, LA 70509318-233-3215

Coordinating & Development CorporationP.O. Box 37005Shreveport, LA 71133-7005318-632-2022

Dixie Electric Membership Corporation16262 Wax RoadGreenwell Springs, LA 70739504-261-1221

Kisatchie-Delta Regional Planning &DevelopmentP.O. Box 12248Alexandria, LA 71315-2248318-487-5454

Macon Ridge Economic Development RegionP.O. Drawer 746Ferriday, LA 71334-0746318-757-3033

Minden/South Webster Chamber ofCommerceP.O. Box 819Minden, LA 71058318-377-4240

North Delta Regional Planning &Development District2115 Justice StreetMonroe, LA 71201318-387-2572

Northeast Louisiana Delta CommunityDevelopment CenterP.O. Box 1149Tallulah, LA 71282318-574-0995

University Community DevelopmentCorporation7990 Scenic HighwayBaton Rouge, LA 70807504-775-8146

MaineNorthern Maine Development CommissionP.O. Box 779Caribou, ME 04736207-427-8736800-427-8736Fax: 207-493-3108

Growth Finance Corporation of Oxford Hills166 Main StreetSouth Paris, ME 04281207-743-8830Fax: 207-743-5917

Androscoggin Valley Council ofGovernments125 Manley RoadAubum, ME 04210207-783-9186Fax: 207-783-521

Lewiston-Aubum Economic Growth CouncilP.O. Box 1188Lewiston, ME 04243-1188207-784-0161Fax: 207-786-4412

Finance Authority of MaineP.O. Box 949Augusta, ME 04333-0949207-623-3263Fax: 207-623-0095

Caribou Development60 Sweden StreetCaribou, ME 04736-2320207-493-4233800-477-1082Fax: 207-492-1362

Eastern Maine Development CorporationP.O. Box 2579Bangor, ME 04402-2579207-942-6389Fax: 207-942-3548

Kennebec Valley Council of Governments17 Main StreetFairfield, ME 04937-1119207-453-4258Fax: 207-453-4264

Beddeford-Saco Development Corporation110 Main StreetSuite 1202Saco, ME 04072207-282.1748Fax: 207-282-3149

Coastal Enterprises, Inc.P.O. Box 268Wiscasset, ME 04578-0268207-882-7552Fax: 207-882-7308

Town of LisbonP.O. Box 8Lisbon, ME 04525207-353-3007

MassachusettsFranklin County Community DevelopmentCorporation324 Wells StreetCreenfield, MA 01301413-774-7404

Cape & Islands Community Development,Inc.480 Bamstable RoadHyannis, MA 02601

Michigan

Cornerstone Alliance38 West Wall StreetP.O. Box 428

Benton Harbor, MI 49203616-925-6100

First Rural Relending Co.130 South Cedar StreetManistique, MI 49854906-753-2225

Fivecap, Inc.302 North Main StreetScottville, MI 49454616-757-3785

Great Lakes Energy CooperativeP.O. Box 70Boyne City, MI 49712-0070800-748-0121 616-582-6521

Marquette County417 A. AvenueOwinn, MI 498413906-346-3137

Muskegon HeightsCity of EDC3635 South Can- RoadFmitport, MI 49415616-788-3700

Northern Initiatives Corporation228 West WashingtonMarquette. MI 49855906-228-5571

Northern MI FoundationP.O. Box 1569Acme, MI 49610616-938-4409800-652-4326

Rural MI IRP Co.121 East Front StreetSuite 201Traverse City, MI 49783616-941-5858

MinnesotaBenton County531 Dewey StreetFoley, MN 56239320-968-6254Fax: 320-968-7626

Blooming Prairie EDACity HallP.O. Box 68Bloooming Prairie, MN 55911507-583-7573Fax: 507-583-4520

Caledonia Economic Development Authority231 East Main StreetP.O. Box 68Caledonia, MN 55921507-724-3632

Initiative Foundation700 SSE First Avenue

Little Falls, MN 56345320-632-9255Fax: 320-632-9258

Community Development of Morrison City,Inc.107 SE 2nd StreetP.O. Box 356Little Falls, MN 56345320-632-5466

City of Crookston124 North BroadwayCrookston, MN 56716218-281-4503Fax: 218-281-5609

Detroit Lakes Development Authority1025 Roosevelt AvenueDetroit Lakes, MN 56501218-847-5658

Development Corporation of Austin (DCA)1900 8th Avenue, NWAustin, MN 55912507-433-0345

East Central Regional DevelopmentCommission100 Park StreetMora, MN 55051320-679-4065Fax: 320-679-4120

City of East Grand ForksP.O. Box 373East Grand Forks, MN 56721218-773-8939

City of Fergus Falls112 West WashingtonP.O. Box 868Fergus Falls, MN 56538-0868218-739-2251

City of Fosston220 East First StreetFosston, MN 56542218-435-1377

Fax: 218-435-1961

Housing & Redevelopment Authority In andFor the City of Willmar333 SW 6th StreetWillmar, MN 56201320-235-8637

Lakefield Economic Development AuthorityCity HallP.O. Box 900Lakefield, MN 56150507-662-5457Fax: 507-662-5990

City of Mcintosh115 Broadway NWMcintosh, MN 56553218-563-3043Fax: 218-563-3042

Meeker County Development Corporation325 North Sibley AvenueLitchfield, MN 55355320-693-5272Fax: 320-693-5444

Midwest Minnesoda CommunityDevelopmentCorporationP.O. Box 623Washington Square MallDetroit Lakes, MM 56501-0623218-847-3191Fax: 218-847-3192

Minnesota's Community DevelopmentCorporationP.O. Box 509Park Rapids, MN 56570218-732-3677Fax: 218-732-8985

Northland Foundation610 Sellwood Building202 West Superior StreetDuluth, MN 55802218-723-4040

Northwest Minnesota Foundation4225 Technology Drive NWBemidji, MN 56601218-759-5057Fax: 218-759-2328

City of Perham125 Second Avenue MEP.O. Box 130Perham, MN 56573218-346-9798Fax: 218-346-9364

Prairieland Economic DevelopmentCorporation2401 Broadway Avenue, Suite 3Slayton, MN 56172-1142507-836-6656Fax 507-836-8866

Red Lake Falls Development Corporation201 Second Street

P.O. Box 280Red Lakes Falls, MN 56750218-253-2143

Red Wing Port Authority433 West Third StreetRed Wing, MN 55066612-388-4781

The Initiative Fund540 West Hills CircleP.O. Box 570Owatonna, MN 55060507-455-3215Fax: 507-455-2098

Southwest Minnesota FoundationP.O. Box 428Hutchinson, MN 55355320-587-4848Fax: 320-587-3838

Stevens County Economic Improvement

Commission507 Oregon AvenueMorris, MN 56267320-589-2609Fax: 320-589-4814

West Central Minnesota Initiative Fund220 West Washington Ave., Suite 205Ferrous Falls, MN 56537218-739-2239Fax: 218-739-5381

Wheaton Economic Development Authority104 Ninth Street NorthP.O. Box 868Wheaton, MN 56296320-563-4110

MississippiNortheast MS Planning & DevelopmentDistrictP.O. Box 600Booneville, MS 38829601-728-6248

South Delta Planning & DevelopmentDistrictP.O. Box 1776Greenville, MS 38702601-378-3831

Southwest MS Planning & DevelopmentDistrict110 South Wall StreetNatchez, MS 39120601-446-6044

Three Rivers Planning & DevelopmentDistrict75 South MainP.O. Drawer BPontotoc, MS 38863601-489-2415

MissouriRural Missouri, Inc.1014 Northeast DriveJefferson City, MO 65109573-635-0136

Green Hills Rural Development, Inc.900 Main StreetTrenton, MO 64683660-359-5086

N.W. Development CorporationP.O. Box 565Camron, MO 64429816-632-2121

North Central Missouri Rural HousingDevelopment Corp.P.O. Box 220Mylan, MO 63556

660-265-4404

Knox County Community DevelopmentCorporation104 East Jackson StreetEdina, MO 63537-1335816-397-2509

MontanaBear Paw Development CorporationP.O. Box 1549Harve, MT 59501406-265-9226

NebraskaNebraska Economic DevelopmentCorporation (NEDCO)Southeast Nebraska Development District(SENDD)2631 "0" StreetLincoln, ME 68510402-475-2560

West Central Nebraska Development District(WCNDD)P.O. Box 599Ogallala, NE 69153308-284-6077

NevadaRural Nevada Development Corporation(RNDC)740 Park AvenueEly, NV 89301

New HampshireBelknap County Economic DevelopmentCouncil64 Court StreetLaconia, NH 03246603-524-3057

New JerseySouth Jersey Economic Development District18 N. East AvenueVineland, NJ 08360856-794-8497

New MexicoNew Mexico Community Development LoanFund700 4th Street SWAlbuquerque, NM 87102505-243-3196505-243-8803

New YorkAdirondack Economic DevelopmentCorporationTrudeau RoadSaranac Lake, NY 12983518-891-5523Fax: 518-891-9820

COMCO Development Corporation572 S. Salina StreetSyracuse, NY 13202315-470-1888

Lake Champlain-Lake George RegionalDevelopment CorporationAmherst StreetLake George, NY 12845518-668-5773

Herkimer County Industrial DevelopmentAgencyP.O. Box 3904301 North Washington St.Room 434Herkimer, NY315-867-1373

New York Job Development Authority605 3rd Avenue

26th Floor

North Country Alliance Local DevelopmentCorporation317 Washington StreetWatertown, NY 13601315-785-2593

REDEC Relending Corporation145 Village SquarePainted Post, MY 14807604-962-3021

Rural Opportunities, Inc.400 East AvenueRochester, MY 14607716-546-7180

Southern Tier Enterprise DevelopmentOrganization465 Broad StreetSalamanca, NY 14779716-945-5301

Tioga County Local DevelopmentCorporationCounty Building56 Main StreetOwego, NY 13827607-687-8255

Washington County Local DevelopmentCorporationWashington County Municipal Center383 BroadwayFort Edward, NY 12828518-746-2292

North CarolinaDunn Area Committee of 100, Inc.600 South Magnolia AvenueDunn, NC 28334910-892-2884

Self Help Ventures Fund301 West Main StreetDurham, NC 27701919-956-4400

North DakotaLake Agassiz Regional DevelopmentCorporation417 Main AvenueFargo, ND 58018701-239-5373

Lewis & Clark Regional DevelopmentCouncil400 E. Broadway Ave., Suite 418Bismarck, ND 58501701-255-4591

Roosevelt Custer Regional CouncilPulver HallDickinson, ND 58601701-277-1241

OhioAshtabula County 503 Corporation36 West Walnut StreetJefferson, OH 44047219-576-3759

Enterprise Development Corporation900 East State StreetSuite 101Athens, OH 45701614-592-1188

Mahoning Valley Economic DevelopmentCorporation4319 Belmont AvenueYoungstown, OH 44505330-759-3668

Portage Area Development Corporation231 West Main StreetRavenn, OH 44266330-297-6400

OklahomaCentral Oklahoma Economic DevelopmentDistrict400 North BellP.O. Box 3398Shawnee, OK 74802-3398405-273-6410

Little Dixie Community Action Agency, Inc.502 West Duke StreetHugo, OK 74743580-326-3351

Logan County Economic DevelopmentCouncilP.O. Box 995Guthrie, OK 73044405-282-0060

Miami Area Economic Development Service2 North Main, Suite 601Miami, OK 74354918-542-7751

Ozarks Corporation for InnovationDevelopment, Inc.P.O. Box 1335Durant, OK 74702-1335580-924-5094

People's Electric Cooperative1130 West Main StreetP.O. Box 429Ada, OK 74820580-332-3031

Rural Enterprises, Inc.

P.O. Box 1335Durant, OK 74702580-924-5094

South Western Oklahoma DevelopmentAuthorityP.O. Box 569Fourth & Sooner DriveBuilding 420Burns Flat, OK 73624580-562-4882

Cherokee Hills RC&D1007 South Muskogee AvenueTahlequah, OK 74464-4733918-456-2304

Choctaw NationDrawer 121016th and LocustDurant, OK 74702-1210580-924-8280

Adair County Indian Credit AssociationP.O. Box 602Stilwell, OK 74960918-696-3803

Cherokee NationP.O. Box 948Tahlequah, OK 74465-0948918-456-0671 ext.: 2532

OregonValley Development InitiativesC/O Mid-Willamette Valley Council ofGovernments105 High Street, SESalem, OR 97301503-588-6177

Oregon Cascades West Council ofGovernmentsP.O. Box 686Albany, OR 97321541-967-8551

Morrow Development CorporationC/O Port of MorrowP.O. Box 200Boardman, OR 97818541-481-7678

Curry Economic Development CorporationP.O. Box 848Brookings, OR 97415541-469-2218

Port of Bandon Economic Development FundP.O. Box 1950Bandon, OR 97411541-347-9105

Central Oregon Intergovernmental Council2363 SW Glacier PlaceRedmond, OR 97756541-548-8163

CCD Business Development Corporation744 SE Rose StreetRoseburg, OR 97470541-672-6728

Southern Oregon Regional EconomicDevelopment, Inc.332 West Sixth StreetMedford, OR 97501-2711541-773-8946

Greater Eastern Oregon DevelopmentCorporationP.O. Box 1041Pendleton, OR 97801541-276-6745

Lane Council of Governments125 East 8th AvenueEugene, OR 97401541-682-7450Northeast Oregon Business Development101 NE First Street, Suite 100Enterprise, OR 97828541-426-3598

Columbia Pacific Economic DevelopmentDistrict of Oregon, Inc.P.O. Box 598St. Helens, OR 97051

503-397-2888

Mid-Columbia Economic Development400 East Scenic DriveSuite 2420The Kalles, OR 97058541-296-6182 ext. 3208

PennsylvaniaNorthwest Pennsylvania Regional PlanningDevelopment CommissionBiery BuildingSuite 406Franklin, PA 16323814-437-3024Fax: 814-432-3002

Northern Tier Regional Planning Commission507 Main StreetTowanda, PA 18848-9987717-265-9103Fax: 717-265-7585

SEDA-Council of GovernmentsR.R. I, Box 372Lewisburg, PA 17837570-524-4491Fax: 570-524-9190

Washington County Council on EconomicDevelopment100 West Beau Street, Suite #703Courthouse SquareWashington, PA 15301724-228-6949Fax: 724-250-6502

Southern Alleghenies Planning andDevelopment Commission541 58th StreetAltoona, PA 16602-1193814-949-6500

North Central Pennsylvania RegionalPlanning and Development CommissionP.O. Box 488Ridgway, PA 15853814-772-6901

Economic Development Council of NorthEast Pennsylvania1151 Oak StreetPittston, PA 18640-3795717-655-5581

Jefferson County Development Council, IR.D. 5, Box 47Brookville, PA 15825814-849-3047Rhode IslandNoneSouth CarolinaCarolina Capital Investments Corporation1201 Main StreetSuite 1750Colmnbia, SC 29201803-737-0101

Catawba Regional Development CorporationP.O. Box 450215 Hampton StreetRock Hill, SC 29731803-327-9044

Lake City Development CorporationP.O. Box 1329202 Kelley StreetLake City, SC 29560843-394-5421, ext. 276

Lower Savannah Regional DevelopmentCorporationP.O. Box 8502748 Wagener RoadAiken, SC 29802803-649-7981

Santee-Lynches Regional DevelopmentCorporationP.O. Drawer 183736 West Liberty StreetSlirnter, SC 29151803-775-7381

Williarnsburg Enterprise CommunityCommission, Inc.P.O. Box 428Kingstree, SC 29556843-354-9070

South DakotaBeadle and Spink Enterprise CommunityP.O. Box 68Yale, SD 57386605-599-2991Fax: 605-599-2992

First District Development Company124 First Avenue NWP.O. Box 1207Watertown, SD 57201605-886-7224Fax: 605-882-5049

Grant County Development Corporation707 South 5th StreetMilbank, SD 57252605-432-6851Fax: 605-432-6258

Greater Huron Development Corporation375 Dakota Avenue SouthHuron, SD 57350605-352-0363Fax: 605-352-9327

Northeast Council of GovernmentsP.O. Box 1985Aberdeen, SD 57402-1985605-626-2595Cnv. AA< ú1L 1(172

Northeast South Dakota EconomicCorporation414 3rd Avenue EastSisseton, SD 57262605-698-7654Fax: 605-698-3038

Rural Electric Economic Development, Inc.121 SE 1st StreetP.O. Drawer EMadison, SD 57042605-256-4536Fax: 605-256-8058

South Dakota Economic DevelopmentFinance AuthorityGovernor's Office of Economic Development711 East Wells AvenuePierre, SD 57501-3369605-773-5032Fax: 605-773-3256

West River FoundationP.O. Box 2182885 Dickson AvenueSturgis, SD 57785605-347-5837Fax: 605-347-5223

TennesseeAreawide Development Corporation5616 Kingston PikeKnoxville, TN 37939-2806423-588-7972

Caney Fork Electric Cooperative, Inc.

920 Smithville HighwayP.O. Box 272McMinnville, TN 37110

Cumberland Area Investment Corporation1225 South Willow AvenueCookeville, TN 38506-4194931-432-4050

East Tennessee Enterprise Partnership,IncorporatedP.O. Box 186Carson DriveHuntsville, TN 37756423-663-2910

First Tennessee Economic DevelopmentCorporation207 North Bone StreetSuite 800Johnson City, TN 37604-5699423-928-0224

Mid-Cumberland Area DevelopmentCorporation501 Union Street, 6th FloorNashville, TN 37219-1705615-862-8828

Northwest Tennessee Certified Development Corporation124 Weldon DriveP.O. Box 963Martin, TN 38237901-587-4213Seouachee Valley Electric Cooperative512 ferfar AvenueSouth Pittsburg, TN 37380423-837-8605

South Central Tennessee DevelopmentDistrict815 South Main StreetColumbia, TN 38402-1346615-381.2040

Southeast Local Development Corporation25 Cherokee BoulevardChattanooga, TN 37405423-266-5781

Southwest Tennessee Development District27 Conrad Drive, Suite 150Jackson, TN 38305901-668-7112

TexasBrownwood Industrial FoundationP.O. Box 880Brownwood, TX 76804915-646-9535

UtahUtah Technology Finance Corporation177 East 100 SouthSalt Lake City, LIT 841 II801.741-4200

Deseret Certified Development Company7050 Union Park Center, Suite 570Midvale, UT 84047801-566-1163

Central Utah Office at Evergreen Square907 South Orem BoulevardOrem, UT801-221-7772

VermontAddison County Economic DevelopmentCorporationRD4, Box 1309 AMiddlebury, VT 05753802-388-7953

Connecticut River ValleyP.O. Box 246White River Jet., VT 05001-0246802-295-3710

Franklin County Industrial2 North Main StreetSt. Albans, VT 05478-1099802-524-2194

Lamoille Economic DevelopmentCorporationP.O. Box 455Morrisville, VT 05661802-888-5640 Northern Community Investment Corporation20 Main StreetP.O. Box 904St. Johnsbury, VT 05819802-748-5101

Northeastern Vermont DevelopmentAssociation44 Main StreetP.O. Box 640St. Johnsbury, VT 05819802-748-5181

Rutland Economic Development Corporation256 North Main StreetRutland, VT 05701802-773-9147

Vermont 503 Corporation56 East State StreetMontpelier, VT 05602802-828-5474

Vermont Community Enterprise Fund Inc.7 Court StreetP.O. Box 827Montpelier, VT 05602

802-223-1448

Vermont Small Business DevelopmentCorporation56 East State StreetMontpelier, VT 05602802-828-5466

VirginiaSoutheast Rural Community AssistanceProject IncorporatedP.O. Box 2868Rolling Oak, VA 24001-2868540-345-1184

Lake County Development CorporationP.O. Box 150South Hill, VA 23970804-447-7101

Mount Rogers Planning District Commission1021 Terrace DriveMarion, VA 24354540-783-5103

Hampton University Rural Business

Assistance Center11916 Roife HighwayFurry, VA 23887757-294-5176

Virginia Eastern Shore EconomicDevelopment and Housing CorporationP.O. Box 814Nassawadox, VA 23413

WashingtonTRICO Economic Development347 West SecondSuite AColville, WA 99114509-684-8411509-684-4571 Fax: 509-684-4788Okanogan County Investment AssociationP.O. Box 741Okanogan, WA 98840509-826-5107

Columbia Regional Economic DevelopmentTrustP.O. Box 217Richland, WA 99352509-943-9187

Lending NetworkP.O. Box 916Chenghalis, WA 98532360-748-0114Fax: 360-748-1235

Cascadia Revolving Fund119 First Ave. SouthSuite 1000Seattle, WA 98104206-447-9226Fax: 206-682-4804

Private Industry Council of SnohomishCounty (PIC)728-134th Street SWBuilding A, Suite 211Everett, WA 98204425-743-9669425-353-2025TDD: 425-743-9669Fax: 425-742-1177

Evergreen Community DevelopmentAssociation900 Fourth Avenue, Suite 2900Seattle, WA 98164800-878-6613

Shorebank Trading GroupP.O. Box 826llwaco, WA 98624

West VirginiaThe McDowell County Action Network

P.O. Box 158Wilcoe, WV 24895304-448-2118

Mid-Ohio Valley Regional P&D CouncilP.O. Box 247Parkersburg, WV 26102304-422-4993Mountain CAP of West Virginia, Inc.26 North Kanawha StreetBuckhannon, WV 26102304-472-1500

West Virginia Economic & DevelopmentAuthority1018 Kanawha Boulevard East, Suite 501Charleston, WV 25301-2827304-558-3650

WisconsinNorthwest Wisconsin Business DevelopmentCorporation1400 S. River StreetSpooner WI 54801715-635-2197North Central Wisconsin DevelopmentCorporation407 Grant StreetWausau, WI 54403715-845-4208

Adams-Columbia Electric Cooperative401 E. Lake StreetP.O. Box 70Friendship, WI 54934-0700608-339-6945

Impact Acceptance Corporation651 Garfield StreetAlmena, WI 54805705-357-3334

WyomingFrontier Certified Development Company232 East 2nd Street, Suite 300Casper, WY 82601307-234-5351.

Unconventional Loan Programs Top

The following is a description of loan programs available to low and moderate income individuals, minorities, Native Americans, Hispanics, refugees, unemployed individuals, welfare recipients, youths, and low and moderate income individuals who don't qualify for credit through conventional methods. Most of these programs allow individuals (depending on the situation) to roll closing costs and fees into the amount of the loan. So you actually go to the closing with NO money in your pocket. The aim of these programs is to stimulate economic growth through small businesses or microenterprises. Helping individuals become self-sufficient is the main focus, and also to challenge conventional methods of providing credit. All of the programs hope to demonstrate that persons with limited incomes are responsible, will repay, and can become successful if given access to knowledge and resources.

Some programs are designed just for youths, (15-21 years old), to develop their own businesses, avoid drugs and crime, sharpen academic skills and form positive attitudes about themselves and their communities. This is accomplished by utilizing the leadership, communication, management and business skills they may have acquired through affiliation with the illegal drug trade and other street activities. Loan amounts can range from $50 to $2,000 with terms from six months to two years.

Alabama* SBA Microloan ProgramBirmingham Business Resource Center110 12th Street North 205-250-638Birmingham, AL 35203 Fax: 205-250-6384E-mail: bbrc@mlinenet.netGenerally this loan is open to any micro business, but it has mainly served minorities and women owned businesses. Attendance of monthly peer groupmeetings for technical assistance is required. The loan can be up to $7,5C with the interest rate at 10 to 13 percent. The term is determined by eachcase, but generally from 12 to 24 months. This is for the Jefferson County

Arizona* Borrowers' CircleSelf-Employment Loan Fund, Inc. 602-340-8834201 North Central Avenue, Suite CCIO Fax: 602-340-8953Phoenix, AZ 85703 TDD: 800-842-4681E-mail: Self-Employment@Juno.comSELF offers assistance for those just starting a small business or that have been operational for less than six months. They use a peer lending systemwith a group of graduates that review the loans. Initial loans are up to $1,000 with 12 months to repay. Subsequent loans can be up to $5,000 with as manyas 24 months to repay. Funding is through the U.S. Small Business Administration's Office of Women's Business Ownership, the City ofPhoenix, corporations, foundations and Arizona banks.

* Small Business LoanPEEP Microbusiness and Housing Development Corporation1100 East Hao Way, Suite 209 520.806-9513Tucson, AZ 85713 Fax: 520-806-9515This loan targets minority women and low-income small business owners. It is specific to the Rural Central and Southern Arizona areas. The loan is for$500 to $25,000 and the term is 60 months. It can be used for inventory, supplies, equipment and fixed assets.

Arkansas* The Good Faith Fund (GFF) -Peer Group Loan ProgramThe Good Faith Fund (OFF)2304 W. 29th Ave. 870-535-6233Pine Bluff, AR 71603 Fax: 870-535-0741GFF's peer-lending program is for new and emerging entrepreneurs and operates much like a community based credit union, with OFF providing theloan capital. Members join peer-lending groups, which consider and approve small business loans for their fellow member entrepreneurs. First timeborrowers are eligible to borrow up to $1,200. In a "Stair-step" loan process, borrowers may secure loans of up to $7,500. Loan representatives assistinterested borrowers in preparing their loan request, including cash flow projections indicating that the proposed loan use will produce increased salesand ensuring that the loan payments will be manageable. This Fund receives funding from private foundations, SBA Microloan Demonstration Program,contributions, and earnings.

* Micro LoanGood Faith Fund2304 West 29th StreetPinebluff, AR 71603 870-535-6233This loan is available to people in the Delta region that would like to start a business. The amount of the loan is from $500 to $25,000. The interest ratevaries depending on the loan, from 9 1/2% to 12%. Repayment must not be over 7 years.

California* Micro Enterprise Assistance Programof Orange County

Micro Enterprise Assistance Program of Orange County18011 Skypark Circle, Suite EIrvine, CA 92614 949-252-1380Eligible applicants are women and ethnic minorities below the poverty level. This program receives funding from banks and private organizations. The aimof this program is to provide access to credit, training, and support so that low income individuals and their families may become self-sufficient. Loansare up to $1,500 with terms up to one year. The interest rate is prime rate plus 4%.

* Self-Employment Loan FundWomen's Economic Ventures of Santa Barbara1136E.MontecitoSt. 805-965-6073Santa Barbara, CA 93103 Fax: 805-962-9622This program is helping women create their own employment in a community that is currently losing jobs. Loans are from $1,000 to $25,000,with terms set by the loan officer. This fund receives funding from foundation grants, corporate and individual gifts, fees, and interest payments.

* Self-Employment Microenterprise Development(SEMED)Economic and Employment Development Center (EEDC)241 S. Figueroa St.Los Angeles, CA 90012 213-617-3953SEMED assists the Southeast Asian Community in Los Angeles and surrounding counties to attain self-sufficiency. Eligible applicants anrefugees admitted to the U.S. within the last five years and currently living under the national poverty level. Loans are from $2,000 to $5,000 with loanterm at one year. Group Lending loans are from $2,000 to $5,000 with the term at one year and the interest rate at 9.3%. SEMED receives funding fromthe Office of Refugee Resettlement.

* The West CompanyThe West Enterprise Center367 N. State St., Suite 206 707-468-3553Ukiah, CA 95482 Fax: 707-462-8945This program has a comprehensive approach that combines human and economic development. The aim is to stimulate the growth of economicopportunity in Northern California. Particular emphasis is on small business, economic options for low income people, and employment in the community.Eligible applicants are low income women/minorities located in Mendocino County. Loans are from $200 to $5,000 with terms from 6 to 24 months. Theinterest rate is at 10%. West Company receives funding from foundations, banks, utilities, CAP agency, local, state, and federal government, anddonations.

* Revolving Loan FundTri-County Economic Development Corporation2540 Esplanade, Suite 7 530-893-8732Chico, CA 95973 Fax: 530-893-0820E-mail: tcedcloan@thegrid.nethttp://tricountyedc.orgThe goal of this loan is to stimulate economic growth in Chico. The loan can be used for working capital, machinery, equipment, and leaseholdimprovements. You can apply for $2,500 to $50,000. The amount of time allowed for repayment varies with each loan. The interest rate is Prime pins2%, or as low as 7%. For every $10,000 borrowed, one job must be created.

* City of Long Beach Microenterprise LoanCity of Long Beach Business Assistance Division200 Pine Avenue, Suite 400 562-570-3822Long Beach, CA 90802 562-570-3800www.ci.long-beach.ca.us/bdcThe goal of die program is to assist in the development of new businesses, to help economic growth, and to create and retain jobs. It is available to lowand moderate income small business owners who cannot get conventional funding. The existing or start-up business must be located in the City ofLong Beach. Funds can be used for property acquisition, machinery, equipment and moveable fixtures and working capital. The loan amount isfrom $5,000 to 125,000 at a fixed rate.

* Micro-Loan ProgramOakland Business Development Corporation519 17th Street, Suite 100 510-763-4297Oakland, CA 94612 Fax: 510-763-1273E-mail: mike@obdc.comwww.obdc.comThis loan is for small businesses located within the Seven Community Development Districts of Oakland. It can be used for working capital,inventoly purchases, expansions and renovations, and contract finishing. Initially from $ 1,000 to $ 10,000 can be borrowed. After that has been repaid,up to $20,000 can be requested. The maximum term is 5 years and the interest is Prime + 3%. Eligible businesses are those in operation for oneyear, but 25% of funds are available for start-ups.

* Entrepreneurial Resource Center LoanEntrepreneurial Resource Center2555 dovis AvenueClovis, CA 93612 559-650-5050Loans are only available to graduates of the Entrepreneurial Training Program. Funds are available from $1,000 to $5,000. The term is from 12 to36 months depending on the loan amount.

* Micro Loan FundStart Up: An East Palo Alto Micro-Business Initiative1935 University AvenueEast Palo Alto, CA 94303 650-321-2193To take advantage of tills loan, entrepreneurs must graduate from the Start-Up Program. Up to $5,000 is available with a term of 5 years. Preferencesare given to the residents of Palo Alto.

* The Los Angeles Community Development BankMicro Loan ProgramCommunity Financial Resource Center4060 S. Figueroa Street 323-233-1900Los Angeles, CA 90037 Fax: 323-235-1686The goal of this loan is to create jobs and to promote a positive investment environment in the Los Angeles Supplemental Empowerment Zone. It isavailable to micro businesses, home-based businesses and recent start-ups. Loans are from $1,000 to $25,000 and for those that have been turned downfor a conventional loan. The term is 3 to 5 years at 12% fixed interest rate.

* Micro Loan Revolving Loan FundEconomic and Employment Development Corporation2411 Figueroa Street, Suite 240Los Angeles, CA 90012 213-617-3953This program is available to refugees in the service area that have not been naturalized by the US. After completing a business training program, theapplicant can submit a business plan and loan application. The maximum loan amount is $5,000. However, if a husband and wife apply for the samebusiness, they could apply for $ 10,000. After the original has been paid back, borrowers can apply for 2 to 3 more loans and can double the loan amount.Technical assistance continues with the loan and the business is monitored on a weekly basis.

* Micro Loan FundInterfaidi Service Bureau2117 Cottage WaySacramento, CA 95828 916-568-5020This group is available for refugees that are green card holders and low income Americans. It is for those small businesses in the Sacramento area forstart-up and inventory costs. After completing the training program, you may apply for a loan of up to $5,000. The maximum amount of time to repay theloan is 3 years. Funding is from private grants.

* Women's Initiative Loan FundWomen's Initiative For Self Employment450 Mission Street, Suite 402San Francisco, CA 94105 415-247-9473Women's Initiative helps low-income women to learn the skills necessary to successfully start and run their businesses. After completing the trainingcourse, you can apply for a small loan. The initial loan amount is up to $ 1,000, and after that, up to $ 10,000 can be sought. The staff will work witheach owner on a one-to-one basis for post loan assistance. Networking and access to experts are also available.

* Small Business Micro'Lending ProgramLenders for Community Development111 West St. John St., Suite 710 408-297-9937San Jose, CA 95113 Fax: 408-297-4599This loan program targets women, minority, and low-income business owners, and those businesses that are located in low-income areas. Thebusiness must have been in operation for one year and located in Santa Clara or San Mateo County. The loans range from $5,000 to $50,000 and can beused for working capital, equipment, inventory, leasehold improvements, and business acquisition.

* Peer Lending CirclesWest Company306 East Redwood Ave., Suite 2Ft. Bragg, CA 95437 707-964-7571It is their mission to expand economic self-sufficiency and social well-being for those people that have limited access to conventional resources. The PeerLending Circles have up to 6 members with at least 6 months of self-employment or a complete business plan. The loan amount ranges from $250to $5,000 and the members all sign the loan note. Technical assistance is part of this program and must be continued for the term of the loan.

Colorado* Business Center for Women (BCW)Mi Casa Resource Center for Women571 Galapago St. 303-573-1302Denver, CO 80204 Fax: 303-595-0422This program assists women who are low income and Hispanic in achieving self-sufficiency. It has assisted in startup businesses and helped existingbusinesses expand. Loan amounts are up to a maximum of $500 for individual lending and from $500 to $5,000 for group lending. Loan termsare up to one year for individual lending; up to two years for group lending. The interest rate is at S% for individual lending; prime rate plus 3% forgroup lending.

* Project Success (PS)Mi Casa Resource Center for Women571 Galapago St. 303-573-1302Denver, CO 80204 Fax: 303-595-0422This program is available to women receiving welfare benefits in Denver County. The aim is to assist women who are low income and Hispanic inachieving self-sufficiency. Loans are at a maximum of $500 for individual lending and from $500 to $5,000 for group lending. Terms are up to one yearfor individual lending; up to two years for group lending. The interest rate is 8% for individual lending and at prime rate plus 3% for group lending.

* Micro LoanCredit for All, Inc.2268 Birch StreetDenver, CO 80207 303-320-19This loan is geared towards low-income people to help them get out poverty. Credit for All uses a pure lending model method. Five to sevsmall business owners approve and insure repayment of loans to peers. The first loan amount is for 1500 and must be repaid in 4 months. After th$ 1,000 is available and there are 8 months for repayment. If everything gc well with the first year of loans, up to $8,000 can be applied for in tsecond year, and so on for the following years. This is available for the within the service are of Credit for All.

* Micro LoanColorado Capital Initiatives1616 17th Street, Suite 371Denver, CO 80202 303-628-S46.Basically, they provide loans to those people of good character who have difficulty obtaining conventional funding. With this program, there are 1.counties where each area makes up its own community group. Each group sets its own guidelines and standards that would best serve their region. From$500 to $30,000 is available for a loan with a maximum of 3 years for repayment. The interest rate is I or 2% over Prime, depending on the loan.

* Small Business LoanColorado Enterprise Fund1888 Sherman Street, Suite 530Denver, CO 80203 303-860-024:E-mail: microloans@coloradoenterprisefund.orgwww.coloradoenterprisefund.orgThis is available in the 10 county service are of Colorado Enterprise. It is for small businesses that need money for things like working capital aniequipment. Up to $25,000 can be applied for with a term of up to 5 years. The interest rate is from 13.5% to 14.25'/o.

* Community Enterprise Lending InitiativeDenver Small Business Development Center1445 Market Street 303-620-8076Denver, CO 80203 Fax: 303-514-3200It is the mission of this program to provide counseling and loans to finance new or expanding businesses that are located in low-income, multi-ethnicareas. Also, it is for those entrepreneurs that cannot get a conventional loan. An existing business must have been in operation for at least one year. Themaximum loans are $2,000 for a start-up and $15,000 for an existing company. The goal is that after this program the borrowers will be able toget conventional funding.

* El Valle MicroloansSan Luis Valley Christian Community ServicesP.O. Box 984309 San Juan Avenue 719-589-5192Alamosa, CO 81101 Fax: 719-589-4330E-mail: ccs@slvccs.orgwww.siv.org/ccsSLVCCS wants to encourage economic development for disadvantaged individuals through support for existing and start-up business owners in theSan Luis Valley. It is for those entrepreneurs that cannot get traditional bank loans. The loan amount is between $500 and $19,000 for a term of 3 years.They also have technical assistance, computer access, and network exposure.

Connecticut* Hartford Economic Development Corporation

Loan ProgramsHartford Economic Development Corp.15 Lewis St. 860-527-1301Hartford. CT 06103 Fax: 860-727-9224This Corporation receives funding from CDBO funds, membership fees,! dues. Their aim is to create and retain jobs and tax rateable property. Iprogram is available to AFDC recipients, low and moderate income individuals. Loans are from $1,500 to S20,000 with terms from 6 month 7 years. The interest rate is 9%.

* Trickle Up GrantAction for Bridgeport Community Development955 Connecticut Ave, Suite 1215 203-382-544Bridgeport, CT 06607 Fax; 203-382-544Over 75% of the recipients of the Trickle Up Grant program either have no credit or bad credit history. Entrepreneurs are given $700 in conditional startup capital in two installments. For the first $500, they must complete Business Plan, agree to spend a minimum of 250 hours per person over amonth period, and save or reinvest at least 20% of the profits in the busing At the end of three months, and when all of the requirements have been mithey can receive the final $200. Most of the recipients work out of their homes.

Delaware* Capital Works Team Success LoansFirst State Community Loan Fund and YWCA of New Castle County100 West 10th Street, Suite 1005 302-652-6774Wilmington, DE 19801 Fax: 302-656-1272E-mail: fsclf@diamond.net.ude.eduThis program uses the peer group lending process. The group offers support, training, and loan reviews. It is available to those businesses that are locatedin Delaware. The loan amounts are from $500 to $6,000. The term is 4 months to 3 years at a 12% interest rate. The group will approve the businessuse of the funds.

District of Columbia* Youth Microloan FundThe Entrepreneurial Development InstituteP.O. Box 65882Washington, DC 20035-5882 202-882-8334This fund was established to empower disadvantaged youth to develop their own businesses, avoid drugs and crime, sharpen academic skills, and formpositive attitudes about themselves and their communities. Eligible applicants are minority youths ages 17 to 21 years old. There are three levels offinancing: up to $1,000, $2,500, and $5,000. Young people must have a business plan and have successfully repaid each loan before advancing to thenext level. Loans carry below market interest and must be repaid within one year.

* Micro Loan FundEast of the River Community Development Corporation4800 Nannie Helen BurroughsWashington, DC 20019 202-397-068SThis loan is available to people in the area who want to start a small business or one that has been in existence for 2 or more years. Up to $25,000 can beapplied for at 12% interest. The amount of time allowed for repayment varies depending on the loan.

Florida* SBA Microenterprise Loan FundCommunity Equity Investments, Inc. (CEII) 850-595-6234302 North Barcelona Street 888-605-2505Pensacola, FL 32501 Fax: 850-595-6234E-mail: ceii2234@aol.comhttp://ceii.pensacola.comCEII provides assistance to businesses in northwest Florida and southern Alabama to help create jobs in those areas. The program has loans availablefor up to $25,000 for existing or start-up small businesses. The loans must be paid back within 5 years. Normally these are available to those that havehad problems qualifying for a conventional loan. to be used for inventory, supplies, furniture, fixtures, machinery, equipment, and working capital. The maximum loan is $25,000 for a maximum term of 6 years.

* Micro LoanFlorence Villa Community Development Corporation111 Avenue R ME 941-299-3263Winter Haven, FL 33881 Fax: 941-299-8134Available businesses are start-up and existing that are generally owned by low to moderate-income people. The money can be used for mainlyequipment. A loan of $5,000 is the maximum at 6.5% interest. The term is up to 3 years. It is only for the Polk county area.

* Working Capital Program3000 Biscayne Blvd., Suite IOIAMiami, FL 33137 305-438-1407 www.workingcapital.org Fax- 305-418-1411

Working Capital's loans are set up in steps with each amount having a different repayment time. They start off at $500 and go in steps up to$10,000, in some cases they will go as high as $20,000. There is a 16% interest rate for processing loans. Members also can also take advantage ofthe business programs and network with other business owners.

Georqia

* Working Capital Program 404-688-688452 W. Alton St. Fax- 404-688-4009Atlanta, GA 30303www.workingcapital.org

Working Capital's loans are set up in steps with each amount having a different repayment time. They start off at $500 and go in steps up to$10,000, in some cases they will go as high as $20,000. There is a 16% interest rate for processing loans. Members also can also take advantage ofthe business programs and network with other business owners.

* Micro Loan FundGoodwill Industries of North Georgia2201 Glenwood AvenueAtlanta, GA 30316 404-486-8400This fund primarily serves Decatur and metro Atlanta. It is for women business owners that have low to moderate income. It mostly funds existingbusinesses, but there are some startups also. A loan from $50 to $5,000 can be applied for after completion of the Business Now training program. Theterm of the loan is 12 months with an interest rate that is currently 10%.

Hawaii* Refugee Enterprise Development ProjectImmigrant Center720 N. King St. 808-845-3918Honolulu, HI 96817 Fax: 808-842-1962This program focuses on Vietnamese and Laotian low income or welfare recipients. The objective of this program is to advance economic self-sufficiency among recently arrived refugees by providing culturally sensitive lending and support programs for the startup or expansion of microenterprisein Hawaii. Loans are from $1,500 to $5,000 with terms from 6 months to two years. The interest rate is at prime rate plus 2%. 3%. or 4%.

* RED Manini MicroLoan FundThe Immigrant Center720 North King Street 808-845-3918Honolulu, HI 96817 Fax: 808-842-1962 E-mail: redmanini@hotmail.comThis loan fund provides small loans, support, and technical assistance in order to help business owners to turn their talents and personal resources intoeconomic self-sufficiency. It is for start-up and growing small businesses and to be used for inventory, supplies, furnature, machinery, equipment, and working capital. The maximum loan is $25,000 for a maximum term of 6 years.

Idaho

* JTPA Entrepreneurial TrainingIDA-ORE Planning and Development Association10624 West Executive Dr. 208-322-7033Boise, ID 83704 Fax: 208-322-3569JTPA receives funds from EDA revolving loan fund grant, EDA revolving loan fund interest, and JTPA training funds. Program is available toindividual entrepreneurs who do not qualify for commercial credit, and who are located in rural southwest Idaho, Malheur and Hamey counties. Theprimary motive is business and economic development in rural areas where jobs are few, and entrepreneurial activity may be the only option to supportrural families. Loans are up to $10,000 with loan terms up to three years.The interest rate is at prime rate plus 5% or 12%.

* Small Business Micro-Loan ProgramPanhandle Area Council, Inc.11100 Airport DriveHayden, ID 83835 208-772-0584This loan is available in North Idaho to ensure growth and prosperity of the region's small businesses. Generally the loans are for businesses that havebeen operational for at least one year. Consideration will be given to start-up businesses. The minimum amount for a loan is $1,000 and the maximum is$25,000. The term is three to five years at a fixed interest rate. The loan can be used for the purchase or repair of equipment, purchase of inventory, andworking capital.

Illinois* Community Enterprising ProjectUptown Center Hull House Association4520 N. Beacon St. 312-561-3500

Chicago, IL 60640 Fax: 312-561-3507Eligible applicants are low and moderate-income individuals located in Uptown, Edgewater, and Ravenswood areas. This project has assisted severalnew start up businesses, and others have been able to increase sales for businesses such as food industry and service businesses. Loans are from$1,000-$ 10,000 with terms from 1-2 years. Interest rate is at prime rate plus 6%. Receives funds from foundations, corporations, governments andindividuals.

* Peoria Area Micro Business DevelopmentProgramThe Economic Development Council for The Peoria Area, Inc.124 S. West Adams St., Suite 300 309-676-7500Peoria, IL 61602 Fax: 309-676-7534The Economic Development Council (EDC) is committed to assisting in the development of small businesses and microbusinesses and helping themovercome obstacles to growth. Eligible applicants are low and moderate-income existing or startup businesses, minorities and females. Loans are from$500 to $25,000 with terms from three to five years. The interest rate is from 5 to 12%. Receives funds from SBA Microloan Demonstration program. Cityof Peoria, and county of Peoria.

* Self-Employment Loan FundChicago Association of Neighborhood Development Organizations123 W. Madison St., Suite 1100 312-372-2636Chicago, IL 60602-4589 Fax: 312-372-2637The aim of this Fund is the revitalization of all Chicago neighborhoods, retail and industrial areas. It works with community based organizations to assistlow and moderate-income individuals start new business ventures. Loans are from $1,000 to $10,000 with a term of two years. Interest rate is at primerate plus 6%. Closing costs can be included in the loan amount.

* Self-Employment Training ProgramProject NOW - Community Action Committee418 19th St., P.O. Box 3970 309-793-6388Rock Island, IL 61201 Fax: 309-793-6352Eligible applicants are low-income county residents in the counties of Rock Island, Henry, and Mercer. Assists individuals interested in self-employmentby providing training, consulting services, support services and assistance in identifying and accessing startup capital. Loans are from $1,500 to $45,000 with terms from two to four years. The interest rate is 5%. Funding comes from the Illinois Department of Commerce and Consumer Affairs.

* WBDC Micro-Loan ProgramWomen's Business Development Center8 S. Michigan Ave., Suite 400 312-853-3477Chicago, IL 60603 Fax: 312-853-0145This program has started a new initiative to strengthen the programs and services for women, and worked as an advocate on access to financingthrough relationship building with banks and regulators. The aim is to support women in their quest for economic self-sufficiency throughentrepreneurship. Loans are up to $5,000 with terms up to one year. The interest rate is at 9%. This program receives funding from loans from variousfoundations and banks.

* Women's Economic Venture Enterprise (WEVE)YWCA22916th St. 309-788-9793Rock Island, IL 61201 Fax: 309-788-9825Women's Economic Venture Bnterprise (WEVE) assists women in achieving economic self-sufficiency through business ownership. Eligible applicants are women of all races and income levels living in Scott County, Iowa, Rock Island County in Illinois, and Metropolitan Quad Counties. Loans are from$200 to $3,000, terms from three months to five years. Interest rate is 2% below prime rate. WEVE receives funding from Banks, SBA, foundations,individuals, program fees and corporations.

* Women's Self-Employment Project (WSEP)20 N. dark St. 312-606-8255Chicago, IL 60602 Fax:312-606-9215The Women's Self-Employment Project (WSEP) programs provide economic support and a chance for self-sufficiency to women who reside in some ofChicago's most disinvested communities. The goal of WSEP is to raise the income of low/moderate income women through a strategy of self-employment. Loans are from $ 100 to $10,000 with terms from four months to two years. The interest rate is at 15%. WSEP receives funding from SBAMicroloan Demonstration, foundations, corporations, government contracts, individual donors, and consulting contracts.

* Self-Employment Loan FundChicago Association of Neighborhood DevelopmentOrganizations (CANDO)123 West Madison, Suite 1100Chicago, IL 60602-4589 312-939-7171This loan is generally available to low income business owners that are primarily women and minorities. It is for start-up and emerging businesses

in Chicago. The loans for emerging businesses are $1,000 to $20,000 at 12.5% and repayable in 3 months to 2 years. A start-up company can applyfor $1,000 to $15,000 at 10 to 12.5% interest for a term of 3 months to 2 years.

* City of Rockford Microenterprise InvestmentMatch ProgramCity of RockfordIllinois Community Development Department425 East State Street 815-987-5610Rockford, IL 61104 Fax:815-967-6933www.ci.rockford.il.usThis program has been designed to strengthen new or young businesses owned by low and moderate-income residents in the City of Rockford. The City will provide up to four times the amount of the business' equity, or $10,000, whichever is less. Equity can include cash, previously purchasedequipment, and "sweat-equity". The term is 5 years, with 20% forgiven each of the 5 years. The interest rate is 0%. Fifty-one percent of the jobs must befor low and moderate-income residents of the City. The applicant must graduate from the training program or have a business education.

* Special Initiative FundsACCION Chicago3245 West 26th StreetChicago, IL 60623 773-376-9004This loan is geared towards African Americans, women owned businesses, and geographic areas that are depressed. These loans are based on characteras long as there is a cash flow in the business. The loan amount is from $500 to $25,000 with a term of 3 months to 24 months. This is for start-up andexisting businesses.

* Micro Loan Program for Small BusinessesWest Cook Community Development1127 South Mannheim Road, Suite 1021 708-450-0100Westchester, IL 60559 Fax: 708-450-0655This program is for small businesses in Western Suburban Cook County that have first been turned down by a bank for funding. It targets low lomoderate-income women and minorities. The loan amount is from $2,000 to 150,000 with a term of up to 5 years. For funding, money is pooled fromloans received from 20 area banks, and then in turn is loaned out from West Cook Community Development.

Indiana* Eastside Community FundEastside Community Investments (BCI)26 N. Arsenal Ave. 317-637-7300Indianapolis, IN 46220 Fax: 317-637-7581The aim is to loan money and provide technical assistance to both startup and existing small businesses. Preference is given to New Eastside residents orlow income individuals. Loans are from $150 -$25,000; terms from three months to five years. Interest rate is 10 to 12%. This fund receives fundingfrom SBA, Mott Foundation, state loan money, and Partners for Common Good Loan Fund.

* Rural Business Assistance GrantCity of Madison Micro Loan ProgramP.O. Box 765Versailles, IN 47042 812-689-5505This loan is funded through the U.S. Department of Agriculture (USDA). It is available to start-up or growing businesses. A maximum of $25,000 canbe applied to equipment and working capital. The amount of time allowed for pay back is generally 5 to 7 years, depending on the loan, and the loancommittee can decide on an extension.

* City of Madison Micro Loan ProgramSE Indiana Regional Planning CommissionP.O. Box 765Versailles, IN 47042 812-689-5505This loan is for start-up or growing small businesses in the area. The maximum of a $25,000 loan can be used for equipment and working capital.The term varies with the loan amount. Funding is from the U.S. Department of Agriculture (USDA).

Iowa* SBA Microloan Demonstration ProgramSiouxiand Economic Development Corporation428 Insurance Centre 712-279-6286Sioux City, IA 5 II 02 Fax: 712-279-6920Eligible applicants are low and moderate-income individuals located in Woodbuly, Plymouth, Cherokee, Ida and Monona counties. This programreceives referrals from local banks and community development organizations and assist in funding non-bankable individuals. Loans are from $1,500 to$25,000 with terms from 1-6 years. Funding comes from SBA grant, SEDC cash match, and other SEDC operating surplus and revenue.

* Small Enterprise DevelopmentInstitute for Social and Economic Development1901 Broadway, Suite 313 319-338-2331

Iowa City, IA 52240 Fax:319-338-5824This program is focused on low income, ethnic minorities, and women, Receives funds from foundations, corporations, civic and religiousorganizations, federal and state grants and contracts, and private contributions. The aim is to facilitate the empowerment of disadvantagedpopulations through the integration of social and economic development strategies. Loans are from $500 to $23,000 with terms from 6 months to fiveyears. The interest rate is 5% for Institute's loans, and 8.5% to 15% for bank loans.

* Micro-Enterprise Loan FundKentucky Highlands Investment CorporationP.O. Box 1738London, KY 40743 606-864-5175The purpose of this fund is to encourage the development of small businesses in counties of Kentucky Highlands. Expansion and start-up for profitbusinesses that meet the Small Business Administration's size standards are eligible. A maximum loan of $25,000 can be used for working capital andequipment. Borrowers have up to 6 years to repay with a fixed interest rate based on the loan.

* SBA Micro Loan ProgramCommunity Ventures Corporation1458 North Broadway 606-231-0054Lexington, KY 40505 Fax: 606-231-0261This loan is open to existing micro businesses in Central Kentucky, a 20 county region. Its use is primarily for working capital and equipment. Themaximum amount of the loan is for $20,000. The term is determined by the loan.

* SBA Microloan ProgramSiouxiand Economic Development Corporation (SEDC)P.O. Box 447Sioux City, IA 50102 712-279-6286Small businesses in and around the 6 counties of Sioux City can apply for this loan. The maximum amount is for $25,000 that is to be paid back in amaximum of 6 years. The interest rate is 10%. Funding is from the Small Business Association.

Kansas* SBA Micro-LoanSouth Central Kansas Economic Development District209 East William, Suite 300Wichita, KS 67202-4012 316-262-7033www.sckedd.orgThe goal of this loan is to stimulate the economy within the 14 county service area. A maximum of $25,000 is available for a term of 6 years. Nofunds may be used for the purchase of real estate. Funds are from the Small Business Association.Kentucky

* Bluegrass Microenterprise ProgramCommunity Ventures Corporation1450 N. BroadwayLexington, K.Y 40505 606-231-0054Upon joining the small business training program, you will have access to classes designed to help with specific areas of self-employment and businessownership. Classroom instruction is offered in business feasibility, management, marketing and financial planning. Upon completion of an approved business plan, you may be considered for inclusion in a small loan group, where loans of $500 to $2,500 are made to people operating orstarting a small business.

* Community Loan FundHuman/Economic Appalachian Development Corp.P.O. Box 504 606-986-8423Berea, KY 40403 Fax: 606-986-1299The Community Loan Fund is available to low income individuals and women located in Central Appalachia. Fund has provided loans to new andexisting businesses in low-income communities including pilot program targeting welfare recipients and community day care. The aim is tostrengthen low-income communities. Receives funds from permanent capital, investments, grants and donations. Loans are from $100 to $25,000 withterms from one to five years. The interest rate is from 8 to 12%.

Louisiana

Micro Loan FundCatholic Social Services1220 Aycock StreetHouma, LA 70360 504-876-0490The area covered by this loan is the Diocese of Houma-Thibodax. A start-up business can borrow up to $1,500 and then borrow more after that loan hasbeen paid off on time. If the business is existing, it can borrow up to 12,000 for the first loan, and more after that. The term is from I to 2 years.

Maine

* Androscoggin Valley Council of Governments(AVCOG)

125 Manley Rd. 207-783-9186Aubum, ME 04210 Fax: 207-783-5211The primary goal of these programs is to stimulate business investment that results in job creation and retention within the Androscoggin, Franklin, andOxford Counties. Loans are up to $150,000. Terms are for 3-5 years at prime rate plus 1%. Eligible applicants are startups and existing businesses of allkinds.

* Aroostook County Action Program, Inc. -Fleet Bank Set-AsideP.O. Box 1116 207-764-3721Presque Isle, ME 04769 Fax: 207-768-3040This program is available lo individuals who cannot obtain funding through conventional loan programs. Program is for startup and existing microbusinesses, and to establish a link to conventional lending channels for each sustained business. Loans are from $1,000 to 110,000. Terms are up to fiveyears at prime rate plus 2%.

* Auburn Community Development Block Grant(CDBG) MicroloanLewiston/Aubum Economic Growth CouncilP.O. Box 118837 Park St. 207-784-0161Lewiston, ME 04240 Fax: 207-786-4412The Auburn Community Development Block Grant (CDBC) Microloan program is available to startup and existing businesses, manufacturing,distribution, service, non-retail, and low to moderate incomes.

Enterprise FundCoastal Enterprises Inc. (CEI)P.O. Box 268Wiscasset, ME 04578 207-882-7552The aim of this fund is to help people with limited resources create their own jobs. Women-owned and child care businesses are typical examples. Loansare from $500 to $50,000. Rates are fixed market rate. Terms are up to 15 years. Funding is from the Ford Foundation, Mott Foundation, statelegislative appropriation. Betterment Fund, U.S. Department of Health and Human Services, national churches, Maine Department of Economic andCommunity Development.

* Entrepreneurs With Disabilities Loan FundNewmarket TechP.O. Box 724 207-287-7370Augusta, ME 04330 Fax: 207-287-3038The Entrepreneurs With Disabilities Loan Fund is available to startup and existing businesses, businesses that create jobs, manufacturing, and peoplewith mental and physical disabilities. Loans are from $500 to $2,000 and terms vary. New market Tech also provides technical assistance.

* Maine Centers for Women, Work and Community46 University Dr. 207-621-3440Augusta, ME 04330 Fax: 207-621-3429This microloan is available to startup and existing businesses. Applicants must submit a written Business Plan to a committee. Loans are from $100 to$1,000. Eligible applicants are: family income below $20,000; displaced homemakers; single parents; and people in transition.

* Working Capital ProgramWestern Mountains AllianceP.O. Box 29 207-778-7274Farmington, ME 04938 Fax: 207-778-7247This loan is based on a peer-lending process. A potential applicant joins a business loan group of 4-10 business owners and applies directly to the groupfor loans. The group reviews and approves loans. All members must be current on their loans before any group member is eligible for another loan.Available to startup or businesses that projects to have a sustainable idea or product to sell or create. Loans are from 1500-S5,000. Terms are four monthsto three years at 12%. Applicants must be a member of a peer lending group.

* SBA Microloan ProgramEastern Maine Development CorporationOne Cumberland Place, Suite 300 207-942-6389Bangor, ME 04401 800-339-6389www.emdc.org

This loan is available only to counties in the area. Businesses that are starting up, expanding, or that need working capital can apply for up to $25,000. Theloan includes post-loan technical support to help the owner in being successful. It must be paid back in up to 5 years.

* Microloan FundBiddeford-Saco Area Economic Development Corporation110 Main Street, Suite 1202 207-282-1748Saco, ME 04072 Fax:207-282-3149E-mail: bsaedc@lamere.netwww.bsaedc.orgThe loan is available to any small business in the area with emphasis on women and minorities. The maximum loan is for $25,000 at a fixed interestrate based on the market rate. One hundred percent financing is available up to $15,000. The terms of the loan vary depending on the use of the funds, but on an average are from 5 to 10 years. The Corporation is certified by the Treasury Department as CDFI.

* New Ventures Loan FundMaine Centers for Women, Work, and CommunityStoddart House UMA46 University Drive 207-621-3440Augusta, ME 043303-9410 Fax: 207-621 -3429E-mail: wkrose@maine.eduThey established this fund to help women become economically successful. In order to apply for funds, women must graduate from New Ventures ofCareer/Life Planning Training. The loan is for up to $500. The term is from 3 months to one year. After that, borrowers are eligible to apply for anotherloan. Either start-ups or existing businesses that are low income and create jobs are eligible in the state of Maine.

* NMDC Microloan ProgramNorthern Maine Development Commission302 Main Street 207-498-8736P.O. Box 779 800-427-8736 (Maine only)Caribou, ME 04736 Fax: 207-493-3108The purpose of this loan is to provide capital to women, low-income and minority small business owners that cannot get conventional loans. Moneymay be used for the purchase of machinery and equipment, furniture and fixtures, inventory, supplies and working capital. For loans of $7,500 andless, the interest rate is 10%. Loans over $7,500 have an interest rate of 9%, Applicants are eligible for technical assistance. Call first to be sure yourbusiness falls within the guidelines of the Small Business Administration.

* Commercial Lending ProgramPerquis Community Action ProgramP.O. Box 1162Bangor, ME 04402 207-973-3500The Commercial Lending Program offers gap financing. The applicants must fall within the HUD guidelines for low income. One-third of the total amountneeded can be applied for, with the maximum loan of $35,000. The term is an average of 5 to 7 years. It is available in Pennobscott and Piscataquiscounties

* Androscoggin Valley Micro Loan ProgramAndroscoggin Valley Council of Governments125 Manley RoadAuburn, ME 04210 207-783-9186They call themselves the "Lender of last resorts". This loan can be used by either start-up or existing businesses for things like working capital,equipment. The loan amount is up to $40,000 with a maximum term of 7 years. Collateral, cash flow and a business plan are required. It is availableto those in the 3 county service area.

* Aroostook County Action Micro Loan ProgramAroostook County Action Program Inc.P.O. Box 1166Presque Isle, ME 04769 207-768-3033Business owners in the Aroostook County area that meet HUD's median income guidelines can join this program. The maximum loan is $10,000 at10% for a term of 10 years.

Maryland

* Business Owners Startup Services (BOSS)Council for Economic and Business Opportunities800 N. Charles St., Suite 300 410-576-2326Baltimore, MD 21201 Fax: 410-576-2498www.cebo.com/The aim of Business Owners Startup Services (BOSS) is to develop microenterprises via training and funding and to maintain microenterprisesthrough technical assistance, support and funding. Eligible applicants are AFDC recipients, and residents of Housing Authority of Baltimore County.Loans are from $5,000 to $10,000, terms up to two years and interest rate is 10%. Receives funds from SBA, CDBG funds, SEID Grant, state, city,county PI and Title III contracts, and a grant from HUD.

* Women Entrepreneurs of Baltimore, Inc. (WEB)

1118 Light St., Suite 202 410-727-4921Baltimore, MD 21230 Fax: 410-727-4989Women Entrepreneurs of Baltimore, Inc. (WEB) is a nonprofit organization, and its clients must have a viable business idea and the entrepreneurial spiritto make their business a success. WEB is committed to the economic empowerment of neighborhood women and the revitalization of Baltimore'sneighborhoods. The development of microenterprise in Baltimore helps to revitalize these neighborhoods by stopping the dollar drain. The owners serveas strong role models and in some instances provide employment in their communities. Eligible applicants are economically disadvantaged women inBaltimore City. Loans are up to $500 with terms from three to six months. The interest rate is at 10%. WEB receives funding from foundations andbank contributions.

Massachusetts

* Hilltown Enterprise FundHilltown Community Development Corp.432 Main Rd. #A 413-296-4536Chesterfield, MA 01012 Fax: 413-296-4020This fund receives funding from state and federal grants, loans from individuals. Western Massachusetts Enterprise Fund, and contributions. The aim is to promote rural cooperation and to ensure the best quality of life for all Hilltown residents. This is available to individuals with limited resourceswho wish to start or expand a business. Loan amounts are from $500 to $10,000 with loan terms at three years. The interest rate is 12%. ForHilltown residents only.

* Microenterprise Development ProgramBrightwood Development Corporation2345 Main St. 413-734-2144Springfield, MA 01107 Fax: 413-746-3934This program's aim is to provide affordable housing and economic development to low and moderate income Hispanics and Puerto Ricans.Program is presently assisting eight new businesses to start in a low-income community. Loans are from $500 to $15,000. Terms are from three to fiveyears. The interest rate is at 10%. Receives funds from the City of Springfield, Springfield Chamber of Commerce, SBA, and HUD.

* Microenterprise Training and Loan Program forRefugeesJewish Vocational Service105 Chauncy St., 6th Floor 617-451-8147Boston, MA 02111 Fax:617-451-9973Program receives funds from the Office of Refugee Resettlement and the Jewish Vocational Service. Provides refugees the opportunity to create theirown jobs within the communities in which they live. Vulnerable populations, such as the disadvantaged and disabled, are the agency's priority. Loans arefrom $100 to $5,000 with terms from six months to three years. The interest rate is at prime rate plus 4%.

* New Bedford Working Capital NetworkCommunity Economic Development Center166 William St. 508-999-9920New Bedford, MA 02740 Fax: 508-990-0199Eligible applicants are low and moderate income, racially and culturally diverse individuals. Small loans provide needed resources to these individualswho would not have funds to invest in their businesses. Loans are from $500 to $10,000 with the interest rate at 12%. Funding comes from credit throughFleet Banks, operating funds from Working Capital Institute for Cooperative Community Development, other banks, and private foundations.

*Hampton City Employment and TrainingConsortiumSpringfield Business Development Fund (SBDF)1176 Main St.Springfield, MAO II 03 413-781 -6900Eligible applicants are low and moderate income, and minorities located in Springfield. SBDF provides secondary loans to small business for startup orexpansion within the City of Springfield. It receives funding from the Small Business Administration and the Economic Development Administration.Loans are from $10,000 to $50,000 with terms from 5 to 20 years. The interest rate is at 6%.* Hilltown Enterprise FundHilltown Community Development CorporationP.O. Box 17Chesterfield, MA 01012 413-296-4536The Hilltown Enterprise Fund is available to the 11-town area around Hilltown for businesses that cannot otherwise get funding. Amounts from $500 to $15,000 are available at 12% interest. The terms of the loan are 6 months to 5 years, depending on the amount loaned. Funds come from local people.

* Working Capital ProgramWorking Capital99 Bishop Alien DriveCambridge, MA 02139E-mail: infor@workmgcapital.org 617-576-8620

www.workingcapital.org Fax: 617-576-8623Borrowers join a business loan group which control the lending process. Working Capital's loans are set up in steps with each amount having a different repayment time. They start off at $500 and go in steps up to $10,000, in some cases they will go as high as $20,000. There is a 16%interest rate for processing loans. Members also can also take advantage of the business programs and network with other business owners. This is forthe greater Boston area.

* Micro LoanTwin Cities Community Development Corporation195 Kimball StreetFitchburg, MA 01420 978-342-9561The goal of this fund is to increase economic development and income, and to create assets and jobs. It is available to business owners that have low tomoderate incomes and do not fall within conventional loan guidelines. The business must be in operation for at least one year and located in theFitchburg area. The loan amount is up to $50,000 with a term of 3 to 10 years. The interest rate is 12%.

* Small Business Loan FundDorchester Bay Economic Development Corporation594 Columbia Road, Suite 302 617-825-4200Dorchester, MA 02125 Fax: 617-825-3522E-mail: DBSBAP@aol.comThis loan is open to residents or small businesses located in Dorchester. It is also available to a client that comes through a Community DevelopmentCorporation in another community. They also help with technical assistance, credit repair, financial planning, and more. The maximum loan amount is$25,000. The term is up to 5 years with a compounded interest rate.

* Cambodian American League FundCambodian American League of Lowell, Inc.60 Middlesex StreetLowell, MA 01852 978-454-3707After a 7-week training program, small business owners must submit a business plan with their application for a loan. The loan amount is amaximum of $5,000. The loan must be paid back from one to two years, depending on the loan.

* Greater Springfield Entrepreneurial FundHampden County Employment andTraining Consortium1176 Main StreetSpringfield, MA 01103 413-781-6900 ext. 227This fund is available to the people in Hampden county except for the Chicopee and Chester areas. Small business owners can apply for a maximumof $25,000. It must be repaid in up to 5 years. The interest rate is 8%.

* SEED Micro Loan ProgramSouth Eastern Economic Development Corporation88 BroadwayTaunton, MA 02780 508-822-1020The eligible business types for this loan are manufacturing, retail, wholesale, and service. The money can be used for working capital, real estate for theuse of the small business, and for machinery and equipment. The loan amount is up to $25,000 with a term up to 5 years. The interest rate isusually the market rate. The business must show potential for creating jobs, especially for low to moderate-income people. The service area of SEED isBamstable, Bristol, Dukes, Plymouth and Nantucket counties.

Michigan

* Wise ProgramAnn Arbor Community Development Corp.2008 Hogback Rd., Suite 12 313-677-1400Ann Arbor, MI 48105 Fax: 313-677-1465The WISE Program is to encourage small business development among women/minorities. This program assists women to become self-sufficientthrough self-employment. Loans are from $500 to 17,000. Terms are from 6 months to 7 years. Interest rate is prime rate plus 1%. Closing costs can beincluded in the amount of the loan. Receives funding from the City of Ann Arbor, Mott Foundation, U.S. Department of Health and Human Services,Michigan Women's Foundation, and the Community Foundation of Southeastern Michigan.

* Lansing Community Micro-Enterprise Fund520 West lonia 517-485-4446Lansing, MI 48933 Fax: 517-485-4761To become eligible for this loan, the borrower must meet the criteria for low to moderate income and live in the City of Lansing. Or, the location of theirbusiness or residence must be within the City of Lansing where 70% or more of households are low to moderate income. They must also show that LCMFis the best loan option. The loan amount is $500 to $10,000. The term is from 12 months to 4 years at a 7% interest rate. A business training programis available, but not required.

* Project InvestNorthwest Michigan Council of Governments2194 Dendrinos DriveP.O. Box 506 231-929-5000Traverse City, MI 49685-0506 Fax: 231 -929-5012www.cog.mi.usThe goal of this program is to help entrepreneurs develop successful small businesses to create income and possible employment for others. To achievethis, a borrower must complete the Enterprise Development Workshops. After that, a loan of between $250 to $1,500 can be sought. Borrowers must meetwith a loan advisor monthly.

Minnesota

* Arrowhead Microenterprise ProgramAirowhead Community Economic Assistance Corporation702 Third Ave. S. 218-749-2914Virginia, MN 55792-2775 Fax: 218-749-2913The aim of this program is to assist with startup or expansion of local businesses that increase employment opportunities, that retain existing jobs,identify and develop local skills and talents, and that provide economic opportunity for unemployed, low income and minority citizens. Loans arefrom $500 to $10,000. Terms are from 90 days to 10 years. The interest rate is a minimum 8%, and is adjusted annually. Receives funds from federal,state and county funds, private loans, and revenue from operations.

* Business Development ServicesWomen Venture2324 University Ave., Suite 200St. Paul, MN 55114

651-646-3808Fax: 651-641-7223The aim of this service is to secure a stronger economic future for women through employment, career development, business development, andfinancial responsibility. Eligible applicants are women, with particular interest in reaching low-income women. Loans are from 150 to $25,000 with termsfrom three months to five years. The interest rate is at 10%. Women Venture receives funding from SBA Microloan Demonstration Grant, state and federalgrants, and foundations.

* Emerging Entrepreneur Development ProgramNorthwest Minnesota Initiative Fund4225 Technology Dr. 218-759-2057Bemidji, MN 56601 Fax: 218-759-2328Although this program is available to everyone, it targets women, minorities and low-income individuals. The mission is to improve the quality of life forthe people who live and work in NW Minnesota. This program provides opportunities for self-employment and the establishment of new businesseswhich makes it economically feasible for people to remain in the region. Loans are from $136 to $13,500, terms from one month to five years. Theinterest rate is 8%. Program receives funding from the SBA and The McKnight Foundation.

* Northeast Entrepreneur Fund, Inc.820 Ninth St., N., Suite 140 218-749-4191Virginia, MN 55792 Fax: 218-741-4249This is available to unemployed and underemployed individuals. This Fund helped to revitalize a rural region that has experienced severe economicdislocation in the last 15 years, and helped start or expand over 120 microbusinesses. The purpose is to encourage economic self-sufficiencythrough the growth of small businesses. Loans are from $100 to $100,000 with terms from 60 days to three years. Funds come from foundations, loans,contracts, fees, and interest.

* Revolving Loan Fund (RLF)North Star Community Development Corporation604 Board of Trade Building301 West First St.Duluth,MN 55802 218-727-6690North Star CDC is a community based economic development organization providing assistance to small businesses. Focus is placed on assisting low andmoderate income individuals to achieve economic self-sufficiency. Loans are from $400 to $20,000 with the terms from 90 days to 5 years. The interestrate is 8%. Funding comes from the Community Development Block Grant. Only for those residing within the city limits of Duluth.

* Self-Employment Training Opportunities (SETO)Women Venture2324 University Ave., Suite 200 651-646-3808St. Paul, MN 55114 Fax:651-641-7223

Eligible applicants are women, with particular interest in low-income women. The aim of SETO is to secure an economic future for women throughemployment, career development, business development, and financial responsibility. Loans are from $50 to $25,000 with terms from three monthsto five years. The interest rate is at 10%. Women Venture receives funding from SBA Microloan Demonstration Grant, state and federal grants, andfoundations.

* Child Care Provider LoanArrowhead Community Economic Assistance Corporation8880 Main StreetP.O. Box 406 218-735-8201Mountain Iron, MN 55768-0406 Fax: 218-735-8202E-mail:aceac@rangenet.comACEAC's goal is to help start-up and expansion of local businesses in order to create economic opportunities for the area residents. The child care loanis offered between $300 and $7,000. Generally, repayment is from 2 to 3 years. The interest rate is 3 to 8% depending on the borrower's adjustedgross income. Priority is given to people who are open during non-traditional hours, people who care for children with disabilities, and those who operatein areas with a lack of child care. Technical support is available throughout the loan.

* Micro Enterprise Loan ProgramNeighborhood Development Center651 1/2 University Avenue 651-291-2480St. Paul, MN 55104 Fax:651-291-2597Small business and start-up loans are available to businesses in the cities of Minneapolis and St. Paul for up to $10,000. First, a 16-week NDC businesstraining program must be completed. Repayment is up to 5 years at 10% interest rate. Business owners that have income below area median for theirarea are eligible.

* Northeast Entrepreneur FundNortheast Entrepreneur Fund820 Ninth Street North 218-749-4191Virginia, MN 55792 Fax: 218-749-5213This fund is offered to small business owners that do not have reasonable access to other sources of money. The business must be located in, or theowner must be a resident of, the seven-county Arrowhead Region of northeast Minnesota. For a start-up or expansion of a business up to $100,000may be requested. Repayment period varies from 30 days to 6 years. The interest is at market rate.

* Revolving Loan FundNorth Star Community Development Corporation301 West First Street, Suite 604Duluth, MN 55802 218-727-6690This loan is for low to moderate-income business owners. Currently, it serves the Duluth area, but it is expected to expand those boundaries soon. Up to$20,000 can be borrowed at 8% interest. The term of the loan is a maximum of 5 years.

* Micro LoanPhillips Community Development Corporation1014 East Franklin, Suite #l 612-871-2435Minneapolis, MN 55404 Fax: 612-871-8131This loan is for general small businesses in the 8 neighborhood areas. The business must have been in operation for at least one year. Equity is requiredfor a loan up to $10,000. The rate is 5 years with an interest of Prime plus 3%.

* Dayton Hudson Artists Loan FundResources and Counseling for the Arts 651-292-4381308 Prince Street, Suite 270 Fax: 651-292-4315St. Paul, MN 55101 TTY: 651-292-3218www.rc4arts.orgThis program is a community based revolving loan program for artists who cannot find traditional funding. It is available to those in the Minneapolis-St.Paul metro area. A loan of $ 1,000 to $5,000 with a term of 12 to 36 months can be applied for. The interest rate is 1% over Prime. The money can beused for artistic development and the artist's business development.

* Micro Loan ProgramNorthwest Minnesota Foundation4225 Technology Drive, NW 218-759-2057Bemidji, NM 56601 Fax: 218-759-2328www.nwnf.org

This loan is offered in order to help to develop small businesses and to create self-employment. It is available in the 12 extreme counties of Northwest

Minnesota. Up to $20,000 can be applied for with a term of up to 5 years. This is open to either start-up or existing small businesses.

Mississippi

* SBA LoanWomen Venture2324 University AvenueSt. Paul, MN 55114 651-646-3808This loan is available to help women to gain economic success. It is offered to new or existing small businesses in the 14 county service area. The amountof the loan is from $200 to $25,000 and technical assistance is given with it. The term is 30 days to 6 years with the interest up to 4 percent over prime.Fifty percent collateral is required.

* Small Farm LoanAlcom State UniversitySmall Farm Development Center1000 ASU Drive #1080 601-877-6449Alcom State, MS 39096-7500 Fax: 601-877-3931The Small Farm Loan is used to give short-term loans to small farmers. The money can be used for agriculture related expenses. The applicant must havea minimum farming experience of one year or have an educational background. Additionally, the farmer must have been turned down by 2 or more creditors. Repayment terms are from I to 5 years. There is a I to 3% service fee for approved loans, but the interest rate is 0%. Preference is given to emerging crop enterprise.

* SELF Loan FundBconomic AlternativesP.O. Box 5208Holly Springs, MS 38634 601-252-1575This microloan targets low to moderate-income people. The business can be either just starting or an existing one. The loan amount is $500 to $2,500,with a 2-month grace period. The term is for not beyond 3 years with a 5% interest rate. This is available to businesses in Marshall and Benton counties.Funding is from USDA and private foundations.

Missouri

* Microloan ProgramFirst Step Fund1080 Washington, Suite 204 816-474-5111Kansas City, MO 64105 Fax: 816-472-4207This loan is only for the graduates of the business training program that are members of the Alumni Group. They must also fall within the federal lowto moderate income guidelines. A maximum loan for a first time borrower is $2,500; the next level of loan is up to $5,000. This money can be used forsupplies and/or equipment. The average loan is 2 years. The interest rate is the prime rate. The loan is approved by the Borrowers' Group.

* SBA Microloan ProgramRural Missouri, Inc.1014 Northeast Drive 800-234-4971Jefferson City, MO 65109 Fax: 573-635-5636The SBA Microloan Program is for start-up and expanding businesses to provide funds for working capital, inventory, supplies, furniture, fixtures,machinery and/or equipment. The loan amount is from $500 to $25,000. The term is I to 5 years with an interest rate that is NY Prime plus 3%. Technicalassistance is given on a one to one basis.

Montana* Action for Eastern Montana - Microbusiness Loan2030 N. Men-illGlendive, MT 59330-1309 406-377-3564Action for Eastern Montana receives funds from the Montana Department of Commerce, banks, utilities. Rural Conservation and Development District,and small business donations. The mission is to help create a flourishing microbusiness climate. Eligible applicants are low income, women andminorities. Loans are from $500 to $20,000, interest rate are prime plus 2%. Closing costs/fees can be included in the loan.

* Montana Microbusiness Finance ProgramMontana Department of Commerce1424 9th Ave. 406-444-3494Helena, MT 59620 Fax: 406-444-2808Eligible applicants are minorities, women and low income individuals. The goal is to provide disadvantaged individuals with self-employment oppor-

tunities. Loans and terms vary. Receives funds from State legislative appropriation from in-state investment fund, local capital, and operating budget.

* Montana Women's Economic Development Group(WEDGO)Women's Opportunity and Resource Development127 N. Higgins 406-543-3550Missoula, MT 59802 Fax: 406-721-4584Aim is to provide business assistance services including training, consulting and capital access, targeting low and moderate income women. It works withcommunity teams planning and implementing timber diversification strategies, and employ business assistance specialists to assist entrepreneurs.Loans are up to $35,000, terms up to five years. Interest rate is 1-2% above market rate. Receives funds from city, county, and state government, Ms.Foundation, Department of Health and Human Services, and US West Foundation. Only for residents of western Montana.

* Opportunities, Inc. - Microbusiness FinanceProgramOpportunities, Inc.P.O. Box 2289Great Falls, MT 59403 406-761-0310Eligible applicants are those unable to receive loans from conventional sources. The purpose is to stimulate better coordination among availablefederal, state, local and private resources to enable low income families and individuals in rural and urban areas, to attain the skills and motivations theyneed to secure opportunities necessary to become self-sufficient. Loans and terms vary.

* Microbusiness LoanDistrict 7 Human Resources Development CouncilP.O. Box 2016Billings, MT 59103E-mail: dist7hrdc@imt.nel 406-247-4710 www.imt.net/~dist7hrdc Fax: 406-248-2943This loan program is available to start-up and existing micro businesses in Big Horn, Carbon, Stillwater, Sweetgrass and Yellowstone Counties. Theamount that can be applied for is from $500 to $35,000 with the average term being 36 months. The money can be used for equipment, workingcapital, and property. There is also technical assistance and training available.

Nebraska* Rural Enterprise Assistance ProjectCenter for Rural AffairsP.O. Box 406 402-846-5428Walthill, NE 68067 Fax: 402-846-5420The aim of this project is to demonstrate and implement programs to meet the long-term needs of existing and potential small businesses to succeed inrural areas of Nebraska. Loans are from $100 to $10,000; terms from 6 months to two years. Interest rate is prime rate plus 1% and 4%. It receivesfunding from the Ford Foundation, Mott Foundation, SBA Grant, The Aspen Institute, and Share Our Strength.

* Rural Business Enterprise ProgramCentral Nebraska Community Services, Inc.626 N StreetP.O. Box 509 308-745-0780Loup City, ME 68853 Fax: 308-745-0824E-mail; cncsbd@micrord.comThe goal of this loan is to maintain or increase employment in Central Nebraska. Small business loans are available from 1500 to 115,000 to smalland emerging businesses. The term is a maximum of 5 years at a fixed interest rate. Free consulting services are also provided.

* Northeast Nebraska Microloan FundNortheast Nebraska Economic Development District111 South 1st Street 402-379-1150Norfolk, ME 68701 Fax: 402-378-9207www,nenedd.org/mbu.htmA For Profit Micro business in Northeast Nebraska can apply for this loan. for each $20,000 borrowed, one job must be created. And of those, at least51% of the jobs retained must be for low to moderate-income employees. Security is required for the loan of 110,000 to $25,000, which must generallybe paid back within 5 years. The interest rate is fixed by NNEDD.

* Small Enterprise Economic Development Loan (SEED)Mid-Nebraska Community Services, Inc.16 West 11th StreetP.O. 2288Keamey, NE 68848 308-865-5675The borrower is asked to attempt conventional financing first. If that fails, they can apply for a loan up to $5,000. The term is a maximum of 5 yearswith a fixed interest rate. This is available to a 27 county area in South Central Nebraska. With the funding that comes from the USDA, the loanmaximum is $15,000 within a 10 county area.

* Lincoln Action Program LoanLincoln Action Program2202 South 11thLincoln, NE 68502 402-471-4515This loan targets small business owners that are in the low-income bracket. They use a pure lending peer group system. The loans are given in steps;they start small with a shorter term and when that is repaid, the next loan is larger, and so on. The maximum loan is $2,000. This is available toLancaster County.

* Micro Loan ProgramNew Community Development Corporation3147 Ames AvenueOmaha,NE 68131 402-451-2939The goal of this program is to tiy and make loans available to a population that has been historically denied access to capital. The loan is available in theamounts of $100 to $10,000 for up to 36 months. Each loan level comes with a different origination fee and fixed interest rate. The eligible area is mainlyNorth Omaha.

* Rural Enterprise Assistance Project (REAP)Center for Rural Affairs101 TallmanP.O. Box 406 402-846-5428Walthill, ME 68067 Fax: 402-846-5420REAP is designed to enhance the formation of local businesses and to invest in local people and the future of the community. Local communities form anassociation of members between 5 and 20 people. They meet for monthly training, support, networking and reviewing of loans. The committee can loanfunds between the amounts of $100 and $10,000. This is done by step-up borrowing, with the first time amount up to $2,000. The next loan amountcan be doubled up to $10,000. The interest for the first 2 loans is Prime +1%, and after that it is Prime +4%.

* Micro Business Training and DevelopmentProjectCatholic Charities- Juan Diego Center5211 South 31st StreetOmaha, ME 68107 402-731-5413Applicants must go through the training and development program either here or at their sister agency. Generally, this is for start-up businesses, but anexisting one will be considered if it has been operational for 3 years, with 3 years of tax returns. The funds available are from $250 to $1,000, but theywill go up to $3,000 with sufficient reason. It may be used for inventory, operating expenses, and equipment. Available in their service area only.

* Self Employment Loans Fund of LincolnLincoln Partnership for Economic DevelopmentP.O. Box 83006 402-436-2350Lincoln, ME 68501-3006 Fax: 402-436-2360www.lped.comThis program is available to low or moderate income business owners. They must join a Business Loan Group where the group meets monthly forassistance, networking, and loan processing. The loans are given in steps where the first amount is a maximum of $1,000. The next loan can bedoubled and so on, for a maximum of $10,000. These loans are not based on credit history, but character. This program is available in Lincoln Partnershipfor Economic Development's (LPED) service area.

Nevada* Nevada Microenterprise Initiative MicroloanFundsNevada Microenterprise Initiative116 East 7th Street, Suite 3 702-841-1420Carson City, NV 89701 Fax: 702-841-2221It is the goal of the Nevada Microenterprise Initiative to strengthen the economic and quality of life of low and moderate-income business ownersin the state of Nevada through training, technical assistance, and loans. For those people that cannot get commercial funding, they must attend NMI'sworkshop before applying for a loan. A start-up business can borrow up to $7,500, for existing or returning borrowers, the maximum loan is $25,000.The term either is up to 36 or 72 months, depending on the loan. After that, they meet with an advisor once a month.

New Hampshire* Working Capital-MicroenterprisePeer LendingNew Hampshire Community Loan Fund7 Wall St. 603-224-6669Concord, NH 03301 Fax: 603-225-7254This program is available to low and moderate income individuals in the Concord area. It assists underserved individuals in meeting their own basic

economic needs by complementing and extending the reach of conventional lenders and public institutions. Loans are from $500 to $5,000 with theinterest rate at 12%. This fund receives funding from commercial banks.

* Working CapitalNew Hampshire Community Loan Fund7 Wall Street 603-224-6669Concord, NH 03301 Fax: 603-225-7425This program was created to increase the income and success of small business owners. They use a peer lending system where members apply forloans from their group. All members must be current on their loans for any member to apply for another loan. The available loans are from $500 to$5,000. Call for the service area covered.

* Citizens Bank Women Business Owners' Loan FundWomen's Business Center150 Greenleaf Avenue, Unit 8Portsmouth, NH 03801 603-430-2892The Women's Business Center (WBC) is designed to encourage and support women in all phases of enterprise development in order to create economicdevelopment. Technical assistance and workshops must be attended in order to become a member. After that, a loan from $10,000 to $100,000 can berequested if the business is also owned by at least 51% of women. The money can be used for start-up, relocation, and working capital to expand and /or purchase equipment and/or inventory.

* Working CapitalWomen's Rural Entrepreneurial Network (WREN)2013 Main StreetP.O. Box 331 603-869-9736Bethlehem, NH 03574 Fax: 603-869-9738E-mail: WREN@connriver.netThis program has been created to support self-employed members and to give small business loans. The peer group lending system is used so that thebusiness owner becomes a member of the group where the loan is reviewed. The amount starts at $500 and has a $5,000 maximum. After that, there aremeetings where the group gets a report as to how the loan is being used. This is for both start-up and existing businesses in the area.

New Jersey

* Micro LoanTrenton Business Assistance Corporation (TBAC)36 Broad Street 609-396-8271Trenton, NJ 08608Fax: 609-396-8603E-mail: tbacsba@earthlink.netwww.trentonj.com/tbac.htmlAbout 70% of the funds offered by TBAC are loaned to women and minority business owners. At least 50% of the loans are made to businesses owned bywomen. The loan amounts are up to $25,000 with a maximum term of 5 years. The interest rate is 10.5%. The for-profit business must be located inMercer, Burlington, or Hunterdon counties.

New Mexico

* Women's Economic Self-Sufficiency Team(WESST Corp.)Women's Economic Self-Sufficiency Team414 Silver SW 505-848-4760Albuquerque, MM 87102-3239 Fax: 505-848-2368The aim of Women's Economic Self-Sufficiency Team (WESST Corp.) is to help women in New Mexico achieve economic self-sufficiency throughsustained self-employment. Eligible applicants are low income women and minorities located in the State of New Mexico. Loans are from $500 to$7,000 with terms from 30 days to 5 years. The interest rate is at prime rate plus 2-4%. WESST Corp. receives funding from Seton Enablement Fund, SBA Microloan Demonstration Program, and in-kind contributions.

* Micro Loan ProgramACCION#20 First Plaza NW, Suite 417Albuquerque, NM 87102 505-243-8844The main focus of this loan is to aid those businesses in urban or low-income areas of the Albuquerque area. Traditionally, these owners cannot get funding from banks. The loans are from $100 to $50,000. The repayment depends on the type of loan. The interest rate is from 11% to 14%. Technical assistance is also available.

New York

* Adirondack Entrepreneurial CenterAdirondack Economic Development CorporationP.O. Box 747 518-891-5523Saranac Lake, MY 12983 Fax: 518-891-9820The mission is to promote the development of small business. Loans are from $500 to $150,000, with flexible terms and rates. Eligible applicants are lowincome, women, minorities, and rural entrepreneurs. Receives funds from the Small Business Administration, Farmers Home Administration, AdirondackNorth County Association, MY State Urban Development Corporation, Rural Economic Development Program, and the Department of EconomicDevelopment Entrepreneurial Assistance Program.

* Entrepreneurship Training ProgramWorker Ownership Resource Center, Inc.400 E. Church St. 607-737-5212Elmira, MY 14901 Fax: 607-734-6588This program assists low income and minority entrepreneurs to start businesses in their communities and to build personal and business assets.Eligible applicants are persons with household income below WIC guidelines and minorities. Loans are from $100 to $5,000 with terms from 6 months totwo years. Interest rate is 12%. Receives funding from Diocese of Rochester, and Campaign for Human Development.

* Micro-Enterprise Loan and Assistance ProgramChurch Avenue Merchants Block Association885 Flatbush Ave., Suite 202 718-287-0010Brooklyn, MY 11211 Fax:718-287-2737The Micro-Enterprise Loan and Assistance Program is devoted to recently arrived refugees. Goal is to enable low income persons attain self-sufficiencythrough microenterprise development. This program makes loans to persons who have limited or no access to capital for small businesses. Loan amountsare up to $5,000. Terms are 12 or 18 months, with an interest rate at 14%. For residents of New York City.

* Minority and Women Business Development CenterUrban League of Rochester, New York, Inc.215 Tremont St., Door #4Rochester, NY 14608 212-803-2418The aim is to provide training, counseling, and technical assistance to minorities and women seeking to start their own businesses. Loans are from$2,000 -$50,000; terms from 1-5 years. Interest rate is prime rate plus 1-2.5%. Receives funds from the Urban Development Corp., and NY StateDepartment of Economic Development Entrepreneurial Assistance Program. Only for residents of greater Rochester - Monroe County.

* Neighborhood Micro-Loan ProgramRidgewood Local Development Corporation59-09 Myrtle Ave. 718-366-3806Ridgewood, NY 11385 Fax: 718-381-7080The Neighborhood Micro-Loan Program serves neighborhood retailers, small manufacturers, professionals and health care providers, service businesses.and young businesses and businesses owned by minorities and women. Program is used to contract startup costs, storefront improvements, andpurchase new equipment. Loan amounts and terms vary. Only for residents of the greater Ridgewood area in Queens, NY.

* Queens County Overall Economic DevelopmentCorporation - NY State Department ofEconomic Development EntrepreneurialAssistance ProgramQueens County Overall Economic Development Corp.120-55 Queens Blvd., Suite 309 718-263-0546Kew Gardens, NY 11424 Fax:718-263-0594This program provides a package of services to encourage and train would be entrepreneurs; to support and assist new startup businesses in surviving thefirst two years of business, and assist existing businesses with their relocation and/or expansion efforts. Eligible applicants are low income and minorityresidents of Queens. Loans and terms vary. Funding comes from seven banks and equity investors, borough presidents, city and state agencies.

* Regional Economic Development AssistanceCorporation Mini Loan ProgramNew York City Economic Development Corporation110 William St.New York, NY 10038 212-618-8900This program is for small/startup service, retail, contractor, manufacturing businesses. Loans are available for machinery and equipment, leaseholdimprovements, real estate acquisition and working capital. Loans are from $5,000 to $50,000. Terms are two to five years. Interest rates are prime rateplus 1.5%.

* Rural Ventures FundRural Opportunities, Inc.400 East Ave. 716-340-3387Rochester, NY 14607 Fax: 716-340-3337Eligible applicants are low and moderate income individuals denied access to bank credit. The aim is to promote self-sufficiency and economicindependence through the creation and expansion of small businesses and microenterprises. Loans are from $3,000 to $50,000 with terms from 3 to 60months. The interest rate is up to 15%. Funding comes from FmHA Industrial Development Grant, SBA Microloan Demonstration Program,CDBG funds, and New York State. For residents of upstate New York, primarily rural and small communities.

* WORC Loan FundWorker Ownership Resource CenterOne Franklin SquareExchange Street 315-789-5061Geneva, MY 14456 Fax: 315-789-0261www.atworc.orgWorker Ownership Resource Center (WORC) funds are available to people with low to moderate income. In order to be considered for a loan, a trainingprogram through the center must be completed. Five thousand dollars is the maximum amount for first time borrowers. After half of that has been paidoff on time, additional funds may be applied for. Only the interest is required during the first 3 months of a new loan. After that, repayment is normally 2years. That may be extended for loan over $5,000. Interest is the prime lending rate at closing. The business or owner must reside in the 10 countyservice area.

* Manhattan Loan FundManhattan Borough Development Corporation15 Park Row, Suite 510 212-791-3660New York, MY 10038 Fax: 212-571-0873The Manhattan Loan Fund is available to moderate-income business owners located in Manhattan. The amounts of the loan are from $5,000 to $25,000.It can be used for leasehold improvements, machinery and equipment and working capital. The terms are 6 months to 5 years at 10.5% interest.

* Micro Loan ProgramProject Enterprise2303 7th AvenueNew York, NY 10030 212-690-2024This program is for microentrepreneurs in the Brooklyn and Harlem areas that live at or below the poverty level, in order that they can increase theirincomes and improve the quality of their lives. A group of peers build up a Group Savings Fund, which is used for loans to members of the group at nointerest. Bi-weekly meetings must be attended. The first loan is for a maximum of $750 for 5 months or $ 1,500 for 12 months. After that the loanamount doubles with a maximum of $10,000. A good credit record or collateral is not needed to enroll in this program.

* ACCORD Business Development ProgramACCORD Corporation50 West Main Street 716-973-2322Friendship, MY 14739 Fax: 716-973-3014E-mail: RVC_Fedz@eznet.netTo be able to apply for a loan, a 10-week course or equivalent independent study must be completed. It is available to business owners that fall withinHUB'S low to moderate-income levels. It is for start-up or existing businesses that need money for working capital, real property, and equipment.Up to 125,000 can be applied for with the term varying. It is offered in Allegany County.

* Micro Loan ProgramACCION New York235 Havemeyer StreetBrooklyn, MY 11211 718-599.5170 E-mail: accionnewyork@compuserve.comwww.accion.orgACCION does not require that a business be formal in their operation. It is preferred that they have been in business for at least I year. The loan is from$5,000 to $25,000 with a term of 3 months to 24 months. The interest is amortized on a monthly basis. This is available to businesses in New YorkCity that cannot get conventional lending.

* Appleseed TrustMicrocredit Group of Central New York222 Herald Place, 2nd Floor 315-424-9485Syracuse, NY 13202 Fax: 315-424-7056It is the mission of this program to assist low and moderate-income residents in this community to start, expand, or improve their business throughtraining, support, and loan access. Members must join a Peer Group where they can apply for a first loan of up to $500. The money can be used forequipment, materials, or advertising and promotions. Expansions and additional loans can be sought for up to $5,000.

* Trickle Up ProgramTrickle Up121 West 27th St., Suite 504New York, MY 10001 212-362-7958Over 75% of the recipients of this program either have no credit or bad credit history. Entrepreneurs are given $700 in conditional start-up capital in

two installments. For the first $500, they must complete a Business Plan, agree to spend a minimum of 250 hours per person over a 3 month period,and save or reinvest at least 20% of the profits in the business. At the end of three months, and when all of the requirements have been met, they canreceive the final $200. Most of the recipients work out of their homes.

North Carolina

* Child Care ProvidersSelf-Help 800-476-7428 301 W. Main St. 919-956-4400Durham, NC 27701 Fax- 919-956-4600www.self-help.orgThis is a special loan program created by the NC Division of. Child Development to help an individual get started or expand, buy indoor oroutdoor equipment, upgrade buildings, and improve a particular program's quality. These loans have a below market, fixed interest rate of 5%, and nominimum/maximum loan size. Eligible applicants are anyone who runs or wants to run a registered and licensed child care program that serves or iswilling to serve subsidized children.

* Good WorkGood Work115 Market St.#211 919-682-8473Durham, NC 27702 Fax: 919-687-7033The aim is to be a resource for those who want to start or expand their small businesses. Eligible applicants are startup and small businesses. Loans arcfrom $ 100-$ 10,000 with terms from three months to three years. Interest rate is 13%. Receives funds from Self-Help Credit Union, foundations, andchurches.

* Microbusiness DevelopmentWAMY Community Action, Inc.P.O. Box 2688 828-264-2421Boone, NC 28607 Fax: 828-264-0952This program allows low-income persons to begin or expand small business efforts in an area where few jobs are available. Eligible applicants arepersons below poverty level located in Watauga, Avery, Mitchell and Yancey counties only. Loans are from $500 to $10,000; terms and interest rates vary.

* Mountain Microenterprise Fund29 1/2 Page Ave. 828-253-2834Asheville, NC 28801 Fax: 828-255-7953Eligible applicants are women and minorities, and low income persons. The aim is to create small businesses and microenterprises through a program ofFinancial and technical assistance. Funding is from NC General Assembly, operating budget, Dogwood Fund, NC Rural Economic Development Center,and the Z. Smith Reynolds/Janirve Foundations. Loans are from $200-$25,000; terms vary.

* North Carolina Microenterprise Loan Program(NCMLP)NC Rural Economic Development Center, Inc.4021 Carya Dr. 919-250-4314Raleigh, NC 27610 Fax: 919-250-4325The North Carolina Microenterprise Loan Program (NCMLP) is one of the largest microenterprise loan funds in the country. It's funded by public andprivate sources. It offers financing and support for the startup and expansion of small businesses for residents of the 85 counties defined as rural in NC.Borrowers have included mechanics, seamstresses, crafts people, janitorial service operators, building contractors, and retailers. Loans are from $350 to$25,000.

* Northeastern Community DevelopmentCorporation154 Highway 158 East 252-338-5466Camden, NC 27921 Fax: 252-338-5639The mission of this fund is to make funding available to craft artisans to startup or expand their businesses. The Fund works with low-income peoplewho need loans to buy equipment/supplies in order to begin making crafts, or who need working capital for expanding their business. Loans are from$50 to $750 with terms from one to three months. The interest rate is prime rate of 2%. This fund receives funding from the Ms. Foundation.

* West Greenville CDC Micro Loan ProgramWest Greenville Community Development Corp.706 West 5th St.P.O. Box 1605Greenville, NC 27835-1605 252-752-9277Eligible applicants are women, and other high risk borrowers. The aim is to increase economic index in target counties. Loans and terms vary. Alsoprovide business training and planning, individual business counseling, peer support, and mentoring. This program receives funding from the NC RuralEconomic Development Center.

* Micro LoanMountain Microenterprise Fund (MMF)

291/2 Page AvenueAsheville, NC 28801www.mtnmicro.oreEither a secured or unsecured loan is available to those small business owners that cannot set a conventional loan through a bank. For an unsecured loan.$99-$l,500 can be applied for. The first level for a secured loan is $99 to $2,500. After that has been repaid up to $5,000 can be sought. The last levelof the loan is for up to $8,000. The repayment varies from 12 months to 36 months for the larger loans. Most of the funding comes from the RuralEconomic Development Center.

* Micro LoanGood Work, Inc.P.O. 25250Durham, NC 27702 919-682-8473While the target of this loan is low-income minority small business owners, anyone in the service area can apply. In order to be eligible, a technicaltraining class through the company must be completed. The loan amounts are $1,000 to $10,000. The term is from 6 to 12 years. The interest rate is 13%,but is negotiable depending on the loan size.

* Microenterprise Loan ProgramNorth Carolina Rural Economic Development Center4021 Caiya DriveRaleigh, NC 27610 919-250-4314The goal of this program is to help rural people become self-sufficient. It offers loans to people that could not get conventional funding in order tostart-up or expand their business. Loans up to $25,000 are available. With this program, five local lending sites have group-based lending programs. Thebusiness owner joins into a group where they are involved in training and get certification. Each group controls the loan payments. This is for smallbusinesses in the 85 rural counties of North Carolina. The local lending office should be contacted for information.

* East Carolina Microenterprise Loan ProgramEast Carolina Microenterprise Loan Program315 Turner Street 252-504-2424Beaufort, NC 28516 Fax: 252-504-2248It is the goal of the East Carolina Microenterprise Loan Program to loan money to microentrepreneurs in order to create more jobs in rural areas.Participants must attend business sessions and afterwards they form small groups that administer their own loans. After that they meet monthly forfurther training, networking and loan presentations. From $500 to $8,000 can be applied for in three stages. The terms range from 20 months to 30 months.It is available to either start-up or existing businesses in the service area.

Ohio

* Microenterprise ProgramLima-Alien Council for Community Affairs405 East Market St. 419-227-2586Lima, OH 45801 Fax: 419-227-7626This program is available to low income workers, displaced workers, ADC/JOBS recipients located in Alien county. The aim is to empower lowincome individuals through self-employment, creating self-sufficiency and alleviating poverty. Loans are up to $1,000, terms from two to five years andinterest rate is at prime plus 2%. Receives funds from various financial institutions and CSBG.

* CAC Microenterprise Training ProgramCommunity Action Committee (CAC) of Pike County941 Market St.P.O. Box 799 740-289-2371Piketon, OH 45661 Fax: 740-289-4291The program is available to low and moderate income persons. The aim is to improve economic conditions through training, small business developmentand support services leading to self-sufficiency. Loans are $500 to $10,000, terms three months to three years, and interest rate at prime plus 2%.Receives funds from CDC Grant Program, banks, local housing authority, and organization contributions.

* City of Cleveland Microloan ProgramCity of Cleveland Department of Economic Development601 Lakeside Ave., Room 210 216-664-2406Cleveland, OH 44114 Fax: 216-664-3681The aim is to provide Financial and management support to existing and new businesses that do not have access to traditional financial sources. Eligible applicants are businesses in the City of Cleveland. Loan amounts and terms vary. Receives funds from City of Cleveland and local financial institutions.

* Columbus/Franklin County Microloan ProgramColumbus Countywide Development Corp.941 Chatham Lane, Suite 207 614-645-6171Columbus, OH 43221 Fax: 614-645-8588

This program is available to women and minority-owned businesses, day care facilities and targeted Columbus neighborhoods. The aim is to encourage thecreation of small micro businesses and provide financing for small projects not available from conventional lenders. Loans are $1,000 to $25,000, terms30 days to 6 years, and interest rate is 10.6% to 11.6%. Receives funds from SBA, Ohio Department of Development, Columbus Department ofDevelopment, and banks.

* Food Ventures Project and Product DevelopmentFundACEnet94 N. Columbus Rd. 740-592-3854Athens, OH 44701 Fax: 740-593-5451The aim is to transform relationships within communities to allow people with low incomes to successfully enter the economic mainstream by creatingopportunities for both business ownership and employment in expanding firms. Eligible applicants are low to moderate-income persons, publicassistance recipients, and firms participating in ACEnet business networks in Southeastern Ohio. To promote food manufacturing businesses; funds can bea loan, royalty, or equity. Receives funds from private sources and foundations.

* HHWP Community Action CommissionMicroenterprise Development ProgramHHWP Community Action Commission122 Jefferson St., P.O. Box 179 419-423-3755Findlay, OH 45839 Fax:419-423-4115This program is available to low income and public assistance recipients. The aim is to create self-employment opportunities that enable low incomeresidents to improve their living conditions and become self-sufficient. Loans are up to $5,000, terms from 3-24 months. Interest rate is prime plus 2%.Receives funds from CSBO and private foundations.

* Neighborhood Economic Development LoanProgram (NEDL)Office of Economic Development, City of ToledoOne Government Center, Suite 1850 419-245-1426Toledo, OH 43604 Fax: 419-245-1462The Neighborhood Economic Development Loan Program (NEDL) is available to low and moderate income target communities served by CDChousing programs. The aim is to provide commercial credit for neighborhood-based businesses and provide a competitive advantage toneighborhood commercial and industrial areas. Loan amounts and terms vary. Receives funding from City of Toledo and banks.

* Women Entrepreneurs, Inc.P.O. Box 2662, C-OH4520136 East 4th St., Suite 92 513-684-0700Cincinnati, OH 45201 Fax: 513-684-0779New businesses that are started offer services to the community such as adult day care, home-bound disabled worker assistance and extra support to women in traditional industries. Receives funding from Society National Banks, Liberty National Banks, independent member/corporate contributions, andlocal foundations. Eligible applicants are AFDC recipients, low and moderate income individuals located in Hamilton, Clermont, Warren, Butler, Brown,Adams, Highland, Pike and Ross counties, and Northern Kentucky and Southeastern Indiana. Loans and terms vary.

* Micro Loan FundNeighborhood House, Inc1000 Atohenson Street 614-252-4544Columbus, OH 43203 Fax- 614-252-7919E-mail: lboykin(*,beol.netThe purpose of this loan is to build up the empowerment zone. It is available to start-up and existing small businesses in that area, or for those businessowners that live in the zone. Applications can be made for up to $7,500 for a 3 year term. The interest rate is 12%.

* Appalachian Microloan ProgramEnterprise Development Corporation 740-797-96469080 Hocking Hills Drive 800-822-6096The Plains, OH 45780 Fax: 740-797-9659This is for small business located in the 30 counties of Appalachia. It may be used for working capital, equipment and machinery, furniture and fixtures,inventory and supplies, and leasehold improvements. The size of the loan is $100 to $25,000. The term is flexible with a maximum of 6 years. Theinterest rate is from 11% to 12.75% APR. Funding is from the Small Business Administration.

Oregon

* SBA Microloan ProgramCascades West Financial Services, Inc.1400 Queen Avenue SEP.O. Box 686 541-924-8480

Albany, OR 97321 Fax: 541-967-4651E-mail: dsearle@cwcog.cog.or.usThe purpose of this microloan program is to help women, low income, minority and other business owners get loans that they could not otherwiseget. The ultimate goal is to help them become eligible for conventional banking loans. The money available is up to $25,000 for up to 6 years at afixed rate of up to 14,75%. Technical support is offered throughout the life of the loan. The business must be located in the 14 county service area ofCascades West.

* Microenterprise LoanO.U.R. Federal Credit UnionP.O. Box 11922Eugene, OR 97440 541-485-1190This loan is for businesses that have been operational at least 12 months and have proof of business activity. They must be members of the credit unionand have participated with or in a health or human services agency in Lane County. The loan amount is a maximum of $5,000 at 13.9% interest. The term is up to 36 months.

* Child Care LoanLima/Alien Council on Community Affairs (LACCA)540 South Central 419-227-2586Lima, OH 45804 Fax: 419-227-7626The Child Care Loan is available to those child care providers that target low income people, infants, workers of 2nd or 3rd shifts, and disabled kids. Themaximum amount of the loan is $25,000. It must be repaid in up to 5 years and the interest is Prime + 2. The borrowers must be in the 5 county servicearea of LACCA

* Micro LoanSouthern Oregon Women's Access to Credit33 North Central, Suite 209Medford, OR 97501 541-779-3992Start-up or expansion businesses in the Jackson County area can apply for a loan of up to $25,000. The term is 5 years with an interest rate of 3 1/2points over prime. A written business plan must be submitted before applying for the loan. The funds can be used for working capital.

* MicroLoan ProgramHamilton County Development Company, Inc.1776 Mentor AvenueCincinnati, OH 45212 513-631-8292E-mail: lawalden@hcdc.comThis loan is open to small business owners located in one of the 8 counties of Southwest Ohio. The maximum loan for a start-up business is $7,500. Foran existing business, one year or more, the amount is $15,000. The term is up to 6 years with an interest rate of 16%. Funding is provided by the SmallBusiness Administration

* Child Care Neighborhood Network Loan FundRose Community Development Corporation7211 ME 62nd AvenuePortland, OR 97206 503-788-0826Through community based microenterprise development. Rose Community Development Corporation helps to increase the character of child care andsecure the providers' businesses. These loans are established in order to help child care providers who have difficulty getting conventional loans. The loanamounts are $500 to $5,000 with a term between 24 and 48 months. The money may be used for business improvements, equipment or toys, andrelated business expenses.

* MicroLoanColumbus Countywide Development Corporation941 Chatham Lane, Suite 300 614-645-6171Columbus, OH 43221-2416 Fax: 614-645-85883E-mail: ccdc@earthlink.netThis program helps healthy growing businesses by offering financial and technical support. The maximum loan for a start-up business is $15,000. Foran existing business, the loan starts at $1,000 and has a maximum of $25,000. The term depends on what the loan is being used for, but on anaverage is 2 years. The interest ranges from 11.6% to 10.6%. Borrowers are required to attend Technical Assistance Group meetings. This available areais in 13 counties of Central Ohio.

* Pike County MicroloanCAC of Pike County, Inc.941 Market StreetPiketon, OH 45661 740-289-2371While they tend to serve business owners that cannot get loans from the banks, this program is also open to other entrepreneurs in Pike County. Aftercompletion of the business class, a loan for up to $10,000 can be applied for. The term is a maximum of 3 years with the interest rate of Prime plus 2.

Pennsylvania

* Ben Franklin Enterprise Growth FundBen Franklin Technology Center of Southeastern Pennsylvania1110 Penn Center1835 Market St., Suite 1100 215-972-0877Philadelphia, PA 19103 Fax: 215-972-5588Fund was established to make capital available to low income, minority, and women business owners, startups, and to help client businesses obtain creditfrom conventional sources in Bucks, Chester, Delaware, Montgomery, and Philadelphia counties. Loans are from $5,000 to $15,000. Interest rate isfixed at prime rate plus 3%. Closing fees are up to $350 (can be financed in the loan).

* Local Enterprise Assistance Program (LEAP)Bloornsburg University College of Business243 Sutliff Hall 570-389-4591Bloornsburg, PA 17815 Fax: 570-389-3892The aim is to create opportunities for startup and self-employed business persons to earn equitable incomes and control productive resources. Dedicatedto building the economic capacity of rural communities through small enterprises by providing access to credit, business training and self-management skills. Eligible applicants are the unemployed, rural microentrepreneurs, and AfDC recipients. Loans and terms vary.

* Micro-Enterprise DevelopmentLutheran Children and Family Service45 Garrett Rd. 610-734-3363Upper Darby, PA 19082 Fax: 610-734-3389This program is available to refugees in the U.S. less than five years, who are AFDC recipients, low/moderate income located in Philadelphia. Receivesfunding from the Office of Refugee Resettlement. Loans and terms vary.

* Service for Self-Employment Training and Support (ASSETS)Mennonite Economic Development Associates447 S. Prince St.Lancaster, PA 17603 717-393-6089This program is available to low income individuals as defined by HUD guidelines. The Associates have assisted new businesses to start or expand inthe most disadvantaged areas of Lancaster. The purpose is to increase personal income, create jobs, foster economic linkages, develop humanpotential and encourage community development through small business. Loans are from $500 to $5,000 with terms from 6 months to three years. Theinterest rate is prime rate.

* Enterprise Growth FundBen Franklin Technology Center of Southeastern Pennsylvania11 Penn Center1835 Market St., Suite 1100 215-972-6700Philadelphia, PA 19103 Fax: 215-972-5588This Fund was created to make capital available to small businesses in Bucks, Chester, Delaware, Montgomery, and Philadelphia counties, so that they may be able to get conventional funding in the future. Eligible businesses are owned by credit-challenged women, minorities, low to moderate incomepeople, and those that are located in economically distresses areas. The maximum loan is $25,000 for existing businesses and $5,000 for start-ups tobe used for development and expansion.

South Dakota

* Revolving Loan Fund ProgramNortheast South Dakota Economic Corporation414 Third Ave. East 605-698-7654Sisseton, SD 57262 Fax: 605-698-3038This program receives funding from Northwest Area Foundation, CDBG, SBA Microloan Demonstration Program, East River Electric Power Coip.,and the First State Bank of Roscoe. The program addresses the economic needs of small rural communities as they relate to business development andjob creation. Eligible applicants are low income, disadvantaged persons, minorities, and women. Loans are from $100 to $150,000 with tenns from6 months to 25 years. For residents of northeastern South Dakota.

* Micro LoanASSETS447 South Prince Street 717-393-6089Lancaster, PA 17603 Fax: 717-290-7936In order to apply for this loan, applicants must complete a 13-week training program. It is available to people with low to moderate income that live inLancaster. Up to $5,000 can be loaned with a term of up to 3 years. The interest rate is the Prime lending rate.

* Micro LoanCommunity Action Development Corporationof the Lehigh Valley

605 Turner StreetAllentown, PA 18102 610-433-5703This program was designed to help to build up the community and to establish business owners. Before applying for the loan, the Start YourBusiness Program must be completed. Graduates can apply for a loan up to $5,000. The terms and interest rate of the loan vary case by case. It isavailable for the areas of Center City, Allenton, and South Side.

* Community Capital WorksPhiladelphia Development Partnership1334 Walnut StreetPhiladelphia, PA 19107 215-545-3100Applicants must go through the customized business training to qualify for this small business loan. After that, they join a peer lending group whichgoverns the loan. The funds are loaned in steps starting with $500. After that amount is repaid the business owner can apply for $1,000. This goes up toa maximum amount of $5,000. The amount of time to repay the loan depends on the amount. The interest rate is a 12% annual rate. Borrowers must be inthe service are of PDP.

Tennessee* Community Microloan ProgramKnoxville's Community Development CorporationEconomic Ventures, Inc.P.O. Box 3550 423-594-8762Knoxville, TN 37927-3550 Fax: 423-594-8659This program helps individuals in getting their businesses established through financial and technical assistance. Borrowersjoin apeer group where they gettraining, support, and apply for the loans. All members must be current for one to get a loan. The loans are given in 5 stages, the first is $500 and themaximum is $10,000. Terms are from 6 months to 48 month. This is available to low to moderate-income people, women, and minorities in EastTennessee.

* Micro Loan ProgramFirestone Retirees CDC659 North Manassas Street, Room 106-107Memphis, TN 38107P.O. Box 80073Memphis, TN 38108 901 -454-9524Firestone Retirees is trying to help people in poverty to become income achievers. While they offer business training courses, it is not a requirementfor a loan. The Peer Lending Group method is used with a IO-person group administering the loans. The loan amounts range from $250 to $5,000 withthe term varying from 5 months to 25 months, depending on the loan. The interest rate is currently 10% and subject to change. It is available to theirservice area.

Texas* Women's Opportunities Resource ProgramWomen's Opportunities Resource1930 Chestnut Street, Suite 1600Philadelphia, PA 19103 215-564-5500After applicants have attended the free business classes, they can apply for a loan. The maximum amount available is $2,500 for a term of 24 months.It is intended for minority, woman, refugee and immigrant business owners. They say they are a "fund of last resort" in the 5 county area that is served.

* Micro LoanACCION El Paso7744 North Loop Road, Suite AEl Paso, TX 79915 915-779-3727This loan requires that a business has one year of experience or is a start-up in El Paso. It is for those that have limited access to bank credit. The amountloaned to a small business is $250 to $1,000, the medium business loan is for $1,000 to $3,000, and the large fund is for the maximum of $10,000. Theterm depends on the type of loan issued. The rate is an 18% simple interest.

* Tyier Development FundTyier Economic Development Council, Inc.P.O. Box 2004 903-593-2004Tyier, TX 75710 Fax: 903-597-0699The goal of the Tyier Economic Development Council is to create a solid economy for small and minority business owners with low to moderateincome. This fund is for those that have results within 18 months of operation and located in Smith County. The maximum amount of a loan is$50,000 with bank participation for loans over $25,000. The terms depend on the loan and the interest rate is fixed.

* MicroLoan ProgramCorporation for Economic Developmentof Harris County, Inc.2223 West Loop South, Suite 400 713-840-8804Houston, TX 77027 Fax: 713-840-8806

Their mission is to enhance the economic and community development in Harris County and the Gulf Coast Region. The target is low to moderateincome people who are having trouble finding conventional funding. The amounts available for a loan are $500 to $25,000.

Virginia

* Eagle Staff Fund - Seed GrantsFirst Nations Development InstituteThe Stores Building11917 Main St.Fredericksburg, VA 22408 540-371 -5615This Fund is dedicated to promoting economic understanding among Native people. Seed grants are to identify and develop ideas and concepts abouteconomic development, and provide funds for training, convening meetings, and community organizing. Amounts are from 11,500 to $5,000. Theapplicant's proposed budget must accurately reflect the project scope.

* Northern Virginia Microenterprise Loan - SBAEthiopian Community Development Council, Inc.1038 S. Highland St.Arlington, VA 22206 703-685-0510Applicants must be opening or expanding a small business, unable to find alternative sources of financing. Loans are up to $25,000 with the interest rate at prime rate plus 4%.

* MicroLoan ProgramCorporation for Economic Developmentof Harris County, Inc.2223 West Loop South, Suite 400 713-840-8804Houston, TX 77027 Fax: 713-840-8806The goal with the Corporation for Economic Development of Harris County, Inc. (CEDHC) is to provide gap financing in order to create permanent jobsthat will improve the community economically. This is available for low to moderate business owners in Harris County and the Gulf Coast Region. Theloan amount is from $500 to $25,000. Technical seminars and one-on-one counseling are also offered.

Utah

* Utah Microenterprise Loan FundUtah Microenterprise Loan Fund3595 South Main StreetSalt Lake City, UT 84115 801 -269-8408This Fund was developed to help socially and economically disadvantaged people. It is available for small businesses in Salt Lake, Davis, Summit,Toouele and Morgan Counties. Up to $10,000 can be borrowed with a term of 5 years. The interest rate varies.

Vermont

* Burlington Revolving Loan FundCommunity and Economic Development OfficeRoom 32, City Hall 802-865-7144Burlington, VT 05461 Fax: 802-865-7024The aim is to create a sustainable local economy that equitably distributes costs and provides meaningful opportunities for participation by residents inessential resource allocation decisions. The fund is aimed at low and moderate-income individuals located in the Champlain Valley. Loans arefrom $4,000 to $100,000, terms from 3-10 years, and the interest rate is variable.

* Refugee Microenterprise Loan - ORREthiopian Community Development Council, Inc.1038 S. Highland St.Arlington, VA 22204 703-685-0510Applicants must be refugees and political asylees in the U.S. for less than five years, and have proper documents; want to open or expand a business,and are willing to write a business plan. Loans are up to $10,000 at prime rate plus 2%.

* Microloan FundSmall Business Development Center, Inc.147 Mill Ridge Rd.Lynchburg, VA 24502 804-582-6170This program is available to low to moderate-income individuals who lack access lo bank or other financing. All new business owners must completethe Self-Employment Training Program prior to making application for the loan fund. (Training Program covers the basics of owning your ownbusiness). Loan amounts range from $50.00 to $10,000 with terms from 1-3 years for long term loans, and 0-12 months for short-term loans. Interest rateis prime plus 3, which is fixed at time of closing. This program is sponsored by the SBA, Virginia Department of Economic Development, GreaterLynchburg Chamber of Commerce, Virginia's Region 2000, and the City of Lynchburg. For residents of Lynchburg and these counties: Amherst,Appomattox, Bedford, and Campbell.

* Business Loan Program

South Fairfax Regional Business Partnership, Inc.6911 Richmond Highway 703-768-1440Alexandria, VA 22306 Fax: 707-768-0547Loans are provided for entrepreneurs that can not get conventional loans. They are for start-up or small businesses in the southeast Fairfax County.Direct loans of $3,500 to $25,000 are available with interest rates in the range of Prime + 3% to Prime + 7%. The repayment period is 3 years on anaverage. The funds can be used for business machinery and equipment, working capital and paying marketing expenses. The owner must be in thelow or moderate-income bracket.

* Micro-Business Development ProgramCentral Vermont Community Action Council, Inc.195 US Route 302/Berlin 802-479-1053Barre, VT 05641 Fax: 802-479-5353The aim of this program is to eliminate poverty by opening to everyone the opportunity to live in decency and with dignity. It is aimed at low-incomepersons. Loans and terms vary. Closing costs can be included in the loan amount. Receives funding from the Family Foundation, HeadStart, VermontCommunity Development Program, Vermont State, USDA Food Stamps, Veterans grant, and CDBG discretionary grant.

* Micro LoanVA Eastern Shore Economic Empowermentand Housing Corp.P.O. Box 814 757-442-4509Nassawadox, VA 23413 Fax: 757-442-7530This loan assists low to moderate-income people to start-up or improve an existing business. The funds that may be applied for are from $500 to$50,000. The interest is 6.5% plus costs. This is only for residents of Virginia Eastern Shore.

* New Enterprises Loan FundNew Enterprises Fund930 Cambria StreetChristiansburg, VA 24073 540-382-2002This fund is available in the New River Valley of southwest Virginia. Its goal is to promote the development of micro-enterprises through training,technical assistance, loaning of funds, and follow-up support. After completing the training program, a loan from $1,000 to $25,00 can beapplied for. The terms are from I to 4 years at an 8% interest rate. This is for both start-up and existing businesses.

* Northern Neck Enterprise ProgramNorthern Neck Planning District Commission153 Yankee Point RoadLancaster, VA 22503 804-333-1900www.nnpdcl7.state.va.usThis loan is available to micro start-up or expansion businesses in the Northern Neck Area. They must have been turned down by a bank and passthe loan committee review. Up to $25,000 can be applied for and the term is up to 3 years.

* MicroLoan ProgramVirginia Economic Development CorporationP.O. Box 1505 804-979-0114Charlottesville, VA 22902-1505 Fax: 804-979-1597E-mail: microloan.tjpd@state.va.uswww.avenue.org/Gov/TJPDCThis program is accessible to small business owners that live and operate their businesses in the Thomas Jefferson Planning District. There is anemphasis on women and minority ovmers. An Entrepreneur Training Course or equal training and/or experience is a requirement before applying for aloan. The maximum loan is $25,000 with a variable interest rate at Prime plus 1.5% to 5%. Collateral and a credit check are needed.

Washington

* African American Community Endowment FundBlack Dollar Days Task Force116-21stAve.Seattle, WA 98122 206-323-0534This is a new program that hopes to make its first micro-enterprise loan this year (1996). This proposed microenterprise loan fund hopes to foster anentrepreneurial spirit and encourage self-sufficiency through the growth of small business opportunities primarily in the economically depressed areas ofSeattle. This micro-enterprise loan is a source of business financing for people who are unable to access capital from other sources. As this is a newprogram, the amount of loans, interest, etc. are not know as yet. For further information, contact the above number.

* Cascadia Revolving FundCascadia Revolving Fund119 1st Ave. S., Suite 100 206-447-9226Seattle, WA 98104 Fax: 206-682-4804This is a tax-exempt nonprofit corporation that provides loans and technical assistance to socially/environmentally based enterprises and nonprofitorganizations. Loans can be up to $150,000 with variable interest rates and terms. Eligible applicants are low income women, minorities, and refugees.

Receives funds from individual investors, religious orders, nonprofit corporations, earnings and individual gifts.

* DownHome Washington Microloan ProgramSnohomish County Private Industry Council 425-743-9669728 134th Street SW, Bidg. A, Suite 211 425-353-2025Everett,WA 98204 Fax:425-742-1177E-mail: snopic@gte.netThis program is designed for those borrowers who do not fit into the general banking guidelines. It is offered with technical assistance and available tothose who have their business within the 16 county service area of the program. The loan amounts are from $500 to $25,000. Funding is from the SBA.

* CASH Loan ProgramWashington CASH- Community Alliance far Self-Help410 Boston Street 206-352-1945Seattle, WA 98109 Fax: 206-352-1899E-mail: washcash@nwlink.comwww.washingtoncash.orgThis program was established to create self-sufficiency and self-employment for low-income women, people with disabilities, and new immigrants andrefugees. It uses a peer support group lending model. Each group regulates its own loans and repayment. The first loan amount is $500. After that hasbeen successfully repaid, up to $5,000 can be applied for. A required 12-week business training course, post loan technical assistance and peer supportare part of this program. It is available within CASH'S service area.

* Micro Loan ProgramTri-Cities Enterprise Association2000 Logston Boulevard 509-375-3268Richland, WA 99052www.owt.com/teaTEA wants to promote the growth and development of new businesses in order to economically benefit the community. The small business loans areavailable to for-profit start up businesses in Benton or Franklin counties. The money can be used for working capital or acquisition of materials, supplies,furniture, fixtures or equipment. From $500 to $7,500 is available for a loan, but up to $25,000 may be considered. The average term is 18 to 36 monthswith up to 6 years as the maximum.

* SNAP ProgramSpokane Neighborhood Action Programs212 South Wall 509-456-7174Spokane, WA 99201E-mail: lancaster@snapwa.org

*Northwest Business Development Association9 South Washington, Suite 215Spokane, WA 99201 509-458-8555This loan requires that the Technical Assistance Program be attended. Funds are available to start-up or existing businesses where the owners are in thelow to medium income bracket in their area. The loan amount is up to $10,000 with repayment in a maximum of 5 years. The interest rate is Primeplus 2%. This is only for the Spokane County area. The training program is offered by SNAP and the loan comes from Northwest Business Development.

West Virginia

* Monroe Neighborhood Enterprise CenterMonroe County Community Services CouncilP.O. Box 403 304-772-3381Union, WV 24883 Fax: 304-772-4014The aim is to improve the income and self-sufficiency of low to moderate-income persons by providing loans, business training, and opportunities formicroenterprises. This center receives funding from banks of Monroe, Union, West Virginia by providing lines of credit, operating funds fromNeighborhoodReinvestmentCorp., andBenedum Foundation. Loansarefrom $500 to $10,000 with terms from one to five years. Loan review committeeswill determine loan conditions.

* Lighthouse MicroLoanLightstone CDCH 363 Box 73 304-249-5200Moyers, WV 26815 Fax: 304-249-5310wwwjightstone.orgLightstone has developed this loan in order to help create and sustain new business development in rural areas. It is available in 10 counties in theEastern Panhandle of West Virginia, and 2 counties in Virginia. After working with the Small Business Development Center, a loan with amaximum amount of $10,000 can be applied for. The maximum term is 5 years. This is often used by low and moderate-income entrepreneurs. Theyare CDFI.

Wisconsin

* ADVOCAP Business Development Loan FundADVOCAP, Inc.19 W, 1st St. 920-922-7760Fond (hi Lac, Wl 54935 Fax: 920-922-7214This Loan Fund is to help low income persons become self-sufficient by developing businesses that will create jobs. Loans are from $100 to 115,000.Terms are from 30 days to 6 years. Interest rate can be from 7 to 10%. Closing costs/fees can be included in the amount of the loan. Receivesfunding from ADVOCAP business development fund, SBA Microloan Demonstration, C.O.E. fund from agency funds. Only for residents of Fonddu Lac, and Winnebago and Green Lake counties.

* Business Ownership and OperationsJuneau Business High School6415 West Mount VernonMilwaukee, Wl 53213 414-476-5480Program is available to 15-19 year old multi-cultural students, of which a large percentage are low income. It provides high school students withpractical, hands-on experience in business ownership and operations. Provides youth with alternative career options and education in the areas of economics, citizenship and ethics. Loans are from $50 to $500 with terms at 9 months. Interest rate is 12%.

* Economic Development ProjectWest Cap525 2nd St. 715-265-4271Glenwood City, Wl 54013 Fax: 715-265-7031The aim is to create opportunities that allow people to achieve self-sufficiency for themselves, their families, and their communities. Eligible applicants are low income individuals with special emphasis on women. Loans are up to $15,000. Receives funding from Farmers Home Administration and the Bremer Foundation.

* Self-Employment ProjectCAP Services, Inc.1725 W. River Dr. 715-345-5200Stevens Point, Wl 54481 Fax: 715-345-6508The aim is to mobilize public and private resources to help low income individuals to attain self-sufficiency. Loans are up to $10,000; terms up tofive years. Interest rate is at 8%. Receives funds from the U.S. Office of Community Services, corporate contributions. State of Wisconsin, and CDBOfunds. For residents of these counties only: Portage, Waupaca, Outagamie, Waushara, Marquette.

* Small Business LoanWisconsin Women's Business Initiative2745 N. Dr. Martin Luther King Jr. DriveMilwaukee, Wl 53212www.wwbic.com 414-263-5450 E-mail: info@wwbic.comAlthough this loan is open to any small start-up business in Wisconsin, women, minority and low-income entrepreneurs are targeted. Those businesses that cannot get conventional loan funding may apply for up to $25,000. The money is to be used for tangible items, but working capital willbe allowed. Terms are generally from 3 to 5 years. The interest rate is a flexible one.

* Job and Business Development LoanWisconsin Coulee Region Community Action Program201 Melby StreetWestby, Wl 54667 608-634-3104This new fund is available to help low to moderate-income people who want to start a new business. To be able to apply for the loan, borrowers mustcomplete the Business Program. It is offered in the 4 county area of LaCross, Monroe, Crawford and Vernon. The loan can be obtained from $100 to 1500.This funding amount is expected to increase. There are 12 months to repay the loan and at this point in time, there is no interest.

* Revolving Loan FundCAP Services1725 West River DriveStevens Point, Wl 54481 715-345-5200This loan is specific to a 5 county area of Wisconsin; Marquette, Waushara, Portage, Waupaca, and Outagamie. It is available for low to moderate-incomeentrepreneurs or those that create jobs for low to moderate-income people. There is a maximum of $10,000 available at 8% for a maximum term of 5years. It requires a matching conventional loan.

* West CAP Child Care LoanWest Central Wisconsin Community Action Agency, Inc. (West CAP)119 West 6th AvenueMenomonie, Wl 54751 715-235-8525This small business loan is available to child care providers. If the business is run out of a center, the owner must be low income to be eligible for amaximum loan of $ 15,000. If they are licensed or certified to woric out of the home, they must target low income clients for a loan of up to $5,000. Theterm is up to 5 or 6 years, depending on the loan. This is available to those businesses in a seven county area.

State Women Business Assistance Programs TopThe feds aren't the only ones noticing the emerging importance of female entrepreneurship in the U.S. business economy. Many states now have special programs to help new and expanding women-owned businesses get the special assistance they need to succeed. So far, almost half the states offer some kind of assistance to women business owners, from special set-aside programs to help women compete for lucrative government contracts, to nuts-and-bolts, one-on-one counseling, to special low interest loan programs, such as the ones offered by Iowa and Louisiana. It's important to keep in mind that just because your state doesn't currently have any special programs for women entrepreneurs, that doesn't mean that they won't in the near future. In fact, many states, like Florida and Utah, now have special women's business advocates in the state capital to help bring the needs of women business owners to the attention of their legislators. We all know that many newly elected legislators happen to be women, too. This could mean new business programs for women offered in the future, so keep in touch with your state capital to keep informed on the current status of these programs.

AlabamaOffice of Minority Business Enterprise (OMBE)Alabama Development Office401 Adams Ave. 334-242-2220Montgomery, AL 36130 800-248-0033http://www.ado.state.al.usThe Office of Minority Business Enterprise (OMBE) helps women and minority entrepreneurs interested in starting or expanding their businesses prepare business plans and applications for SBA loans, fill out applications for state and federal procurement opportunities, and certify women andminority-owned businesses to participate in the state purchasing programs.

Alaska

Minority Business Development Center1577 C St.Suite 304Anchorage, AK 99501 907-274-5400The Minority Business Development Center provides management and financial consulting services including loan packaging, development, marketing, investment decisions, accounting systems, and other valuable business advice.

Bureau of Indian AffairsAlaska Area OfficeP.O. Box 25520Juneau, AK 99802-5520 907-586-7103Indian Business Development Grants: This program provides grants to assist in the development of Native-owned enterprise that will create jobs andother economic benefits for Alaska Native communities. Priority is given to rural business development projects. For profit businesses are eligible if theyare at least 51% owned and operated by individual natives. Grants to individual natives range up to $100,000 with a minimum 75% match fromprivate and/or public sector. The applicant must demonstrate that sufficient funding is not available from other sources. Indian Loans for Economic Development: The program provides business management, and technical and financial assistance to individual natives and Native organizations for starting, expanding, or purchasing a business enterprise whose enterprise will create jobs and have other economic benefits. Priority is given to rural business development projects. Financial assistance is in the form of guaranteed or direct loans. 20% equity is required on loans

Arizona

Arizona Department of Commerce3800 N. Central, Suite 1400Phoenix, AZ 85012 602-280-1480http://www.comineree.state.az.us/fr abc.shtmlThis office serves as a clearinghouse of information to assist small businesses. One-on-one counseling is available.

ArkansasArkansas Economic Development CommissionOne Capitol MallLittle Rock, AR 72201 501-682-1060http://www.aedc.state.ar.usThe Minority and Small Business Development Division provides business loanpackaging,contractprocurementassistance,bondinginformation, generalbusiness counseling, seminars, workshops, and referrals to other agencies.

California

Office of Small and Minority BusinessDepartment of General Services180814th St.Suite 100 916-322-5060Sacramento, CA 95814http://www.dgs.ca.gov/osmbThis office helps women-owned businesses interested in participating in the state's purchasing/contracting system, along with counseling, assistance, andprotection for their interests.

Business Enterprise ProgramDepartment of Transportation1820 Alhambra Blvd.Sacramento, CA 95816 916-227-9599http://www.dot.ca.gov/hq/bepThis office offers women-owned businesses information on the certification necessary to participate in the state procurement program.

Colorado

Women's Business OfficeOffice of Business Developrement1625 Broadway, Suite 1710 303-892-3840Denver, CO 80202 800-592-5920 (in CO)http://www.state.co.us/gov_dir/wboThe Women's Business Office acts as a resource clearinghouse for women business owners. They refer callers to the appropriate state and local officesthat can provide them with the hands-on assistance they need, from business planning and marketing assistance to procurement programs and financing.The program also holds business planning seminars at 16 locations throughout the state.

Delaware

Minority Enterprise Office800 French St., 6th FloorWilmington, DE 19801 302-571-4093The agency assists minority businesses in the city of Wilmington by providing technical assistance, certificate of minority businesses, and workshops. They sponsor a Minority Business Trade Fair (the largest in the Northeast) once a year. The agency works with the Wilmington Economic Development Corporation to provide financing.

Florida

Florida Department of TransportationMinority Programs Office3717 Apalachee Pkwy, Suite GTallahassee, FL 32311 850-921-7370The office develops outreach programs to recruit and inform disadvantaged business enterprises about contracting opportunities with the Department ofTransportation. It also has a business support component which assesses business needs for training and technical assistance. Specific programsinclude classroom training, on-the-job training, conferences, seminars, workshops, and proficiency standards attainment.

Minority Business OfficeDepartment of General Services2012 Hartman, Room 100Koger Executive CenterCapitol Circle SETallahassee, FL 32399-0100 850-487-0915This office is responsible for certifying minority businesses to do business with the state and for maintaining a directory of these certified businesses.The directory is available to all state agencies. They identify the concerns and unique needs of small and minority-owned businesses in Florida. Itserves as a liaison between the business community, state agencies, and the legislature. It also serves as a review board for policies, procedures, andregulations as they relate to key issues of concern.

Georgia

Small and Minority Business AffairsGeorgia Department of Administrative Services200 Piedmont Ave., SEWest Tower #1620Atlanta, GA 30602 404-656-6315http://www.doas.state.ga.usThe office assists small businesses in conducting business with state government, identification of coordinating offices in state agencies, andprerequisites. The Minority Subcontractors Tax Incentive is available to any company which subcontracts with a minority-owned firm to furnish goods,property, or services to the state of Georgia. The credit is for 10% of the total amount of qualified payments to minority subcontractors during the taxyear, but may not exceed $100,000 per year.

Minority Business Development Agency401 W. Peachtree, Suite 1715Atlanta, GA 30308 404-730-3300http://www.mbda.govAt any of the regional offices of the Minority Business Development Agency (of the U.S. Department of Commerce), a minority owner can get help

withpreparing a business loan package, securing sales, or solving a management problem. The centers maintain networks of local business developmentorganizations, assist businesspeople in the commercialization of technologies, and coordinate other federal agency activities which assist minority entrepreneurs.

Hawaii

Honolulu Minority Business Development Center1132 Bishop St.1st Hawaiian Tower #1000Honolulu, HI 96813 808-531-6232The center provides management and technical assistance to qualified ethnic minority individuals and firms in the areas of business and financial planning,contract procurement, marketing analyses, general management, bonding, office systems, and procedures.

Illinois

Small Business AdvocateIllinois Department of Commerce and Community AffairsState of Illinois Center100 W. Randolph St.Suite 3-400Chicago, IL 60601 312-814-3540The Small Business Advocate specializes in helping women, minorities, startups, and home-based business owners cut through the bureaucratic redtape and get the answers they need by offering information and expertise in dealing with various state, federal, and local agencies.

Small Business Assistance Bureau Illinois Department of Commerce and Community AffairsState of Illinois Center620 H. Adams 217-782-7500Springfield, IL 62701 800-252-2923 (in IL)http://www.commerce.state.il.usThe Women's Business Advocate offers programs to women entrepreneurs through a business calendar of events, which includes conferences at whichbusiness owners have an opportunity to network. The Advocate also maintains an extensive mailing list of women entrepreneurs. Through theWomen's Business Development Center of The Neighborhood Institute, women business owners can get assistance in all phases of businessdevelopment. Under the Minority and Women Business Loan Program, women business owners can get long-term, fixed rate direct financing at below market rates for loans from $5,000 to $50,000. One job must be created or retained for each $5,000 borrowed. Business owners can use the money for leasing or purchasing land and buildings, construction or renovation of fixed assets, purchase and installation of machinery and equipment, and working capital. Under the Minority and Female Business Enterprise Program, Matchmaker Conferences are held to connect women business owners interested in landing government contracts with state and local purchasing agents.

Indiana

Small Business Development CorporationOne North CapitolSuite 1275Indianapolis, IN 46204 317-264-2820http://www.isbdcorp.orgThis office helps women and minority-owned small businesses with all phases of development, from management and technical assistance, to contract bidding, procurement, educational seminars and training, and financial alternatives. As part of their Procurement Program, women and minority-owned businesses receive help in seeking government services contracts.

Iowa

Targeted Small BusinessIowa Department of Inspections and AppealsLucas Building, 2nd FloorDes Moines, IA 50319-0083 515-281-7250Under the Targeted Small Business Program, women and minority-owned businesses can get help in getting certified as a targeted small business (anybusiness 51% or more women or minority-owned), and thereby become eligible for set-aside procurement programs sponsored by the state.

Kansas

Office of Minority and Women BusinessExisting Industry Development DivisionKansas Department of Commerce700 SW Harrison

Topeka, KS 66603-3712 785-296-3805This office helps women and minority-owned businesses with the bidding procedures for public and private procurement opportunities in Kansas. Theyalso offer management assistance to these businesses and help identify financial resources for them.

Kentucky

Office of Minority AffairsState Office Building501 High St., Room 904Frankfort, KY 40622 502-564-3601This office certifies women and minority-owned businesses interested in participating in the procurement program for state highway-related contracts.

Kentucky Cabinet for Economic Development67 Wilkinson Blvd.Frankfort, KY 40601 502-564-2064http://www.state.ky.us/edc/edchome.htmThe Small and Minority Business Division is a resource center for small and minority business owners/managers. It identifies construction contracts,procurement opportunities, and offers training programs that address the business needs of these enterprises. It focuses on new job creation and jobretention by serving existing small and minority businesses in the roles of ombudsman and expediter for business growth and retention.

MaineMaine Department of TransportationDivision of Equal OpportunityEmployee Relations16 State Station HouseAugusta, ME 04333 207-287-3576http://www.state.me.us/Under the Disadvantaged/Minority/Women Business Enterprise Program, women-owned businesses can get certification to obtain governmentcontracts. This office helps business owners with the procurement procedures used to obtain government contracts.

Massachusetts

State Office of Minority and Women Business AssistanceDepartment of Commerce100 Cambridge St., Room 1305Boston, MA 02202 617-727-8692http://www.state.ma.us/somwbaThis office helps women and minority-owned businesses get certified toparticipate in the state procurement programs.

Michigan

Targeted Services DivisionMichigan Department of Commerce4th Floor Law BuildingP.O. Box 30225Lansing, MI 48909 517-335-1835This office runs Women Business Owners Services program which works largely as a referral service for women business owners. Business owners canalso participate in special entrepreneurial education and procurement programs.

Minnesota

Department of AdministrationMaterials Management Division112 Administrative BuildingSt. Paul, MN 55155 612-296-2600http://www.mmd.admin.state.mn.usThis office certifies women-owned businesses to participate in the Small Business Program for procurement opportunities with the state. Oncecertified, a business earns a 6% preference on government contract bids.

Mississippi

Department of Economic and Community DevelopmentP.O. Box 849Jackson, MS 39205 601-359-3449http://www.decd.state.ms.usUnder the Minority Business Enterprise Loan Program, women-owned businesses that show that they are economically disadvantaged are eligible toreceive low interest loans for up to 50% of a business project's cost.

MissouriCouncil on Women's Economic Development & Training2023 St. Mary's Blvd.P.O. Box 1684Jefferson City, MO 65102 573-751-0810http://www.ecodev.state.mo.us/ded/The Council helps women small business owners through various programs, seminars, and conferences. The Missouri Council on Women's EconomicDevelopment and Training assists women in small business enterprises. The Council conducts programs, studies, seminars, and conferences. It promotesincreased economic and employment opportunities through education, training, and greater participation in the labor force.

Missouri Department of Economic DevelopmentP.O. Box 118Jefferson City, MO 65102 314-751-3237The Minority Business Assistance Program is designed to promote and encourage the development of minority-owned businesses in Missouri. Theprogram provides assistance in obtaining technical and financial assistance, education programs, minority advocacy, and networking with other programsand agencies.

Montana

DBE Program SpecialistCivil Rights BureauMontana Department of Transportation2701 Prospect Ave.P.O. 201001Helena, MT 59620-1001 406-444-6337http://www.mdt.mt.govThe Disadvantaged Business Enterprise and Women Business Enterprise program certifies women-owned businesses interested in bidding on andobtaining federal-aid highway construction contracts.

Nebraska

Office of Women's Business OwnershipSmall Business Administration11145 Mill Valley Rd.Omaha, NE 68154 402-221-4691The office directs Small Business Administration (SBA) programs to women business owners through special women's groups, seminars, networks, andother activities for women in the private sector.

New Hampshire

Office of Business and Industrial DevelopmentDivision of Economic Development172 Pembroke Rd.P.O. Box 856Concord, NH 03302-0856http://ded.state.nh.us/obidThis office serves as a clearinghouse and referral center of programs for women and minority-owned businesses.

New Mexico

Economic Development DepartmentJoseph Montoya Building603-271-25911100 St. Francis Dr., Room 2006Santa Fe, NM 87503 505-827-0425http://www.edd.stateJim.us The Procurement Assistant Program educates business owners in all phases of government contracting, and provides comprehensive technicalprocurement counseling for obtaining defense, federal, state, and local government contracts. It offers training seminars (hands-on workshops), andoffers small, minority, and women-owned businesses the opportunity to be entered into the annual New Mexico MSBPAP Business Directory.

New York

Division of Minority and Women's BusinessDepartment of Economic DevelopmentI Commerce PlazaAlbany, NY 12245 518-474-0375and

633 Third Ave.New York, MY 10017 212-803-2410This office gives women and minority-owned businesses consulting and technical assistance in obtaining benefits from state programs, with a focus onbusiness financing. They also help these businesses get the proper certification to participate in the state procurement opportunities. Additionally, this office can help these business owners obtain Federal government contracts.

New York Urban Development Corp.Minority and Women Revolving Loan Fund1515 BroadwayNew York, NY 10036 212-930-0452Women and minority-owned industrial, commercial, service oriented, and start-up businesses can receive low interest loans. Retail businesses areevaluated on a case-by-case basis before they qualify. Loans range from $20,000 to 1500,000 and may be used for construction, renovation, leaseholdimprovements, acquisition of land and buildings, acquisition of an ongoing business, establishment of a nationally recognized franchise outlet, machineryand equipment, and working capital.

North CarolinaNorth Carolina Minority Business Development Agency205 Fayetteville St. MallRaleigh, NC 27601 919-833-6122The agency provides information, referral, and support assistance to minority businesses. It offers technical referral assistance, procurement opportunitiesreferral, management workshops and seminars, and coordination with other state and federal agencies.

North DakotaWomen's Business ProgramDepartment for Economic Development and Finance4182 Broadway, Suite 25Bismarck, ND 58501 701-258-2251http://www.growingnd.com/wbd_prog.htmlThese offices provide technical assistance in getting businesses started. Some of the services provided include location of funding and preparation ofbusiness plans. They also certify women businesses for federal and state contracting.

Ohio

Small Business Development CenterOhio Department of DevelopmentP.O. Box 1001 800-848-1300Columbus, OH 43266-0101 614-466-4945http://www.odod.ohio.gov/Under the Women's Business Resource Program, women can get help for start-up, expansion and management of their businesses. The program seeksto provide women with equal access to assistance and lending programs, and helps businesswomen locate government procurement opportunities. Thisoffice also acts as a statewide center of workshops, conferences, and Women's Business Owners statistics. All of the program's services are free.This office also publishes Ohio Women Business Leaders, a directory of women-owned businesses in Ohio, along with other free publications.

Oklahoma

Oklahoma Department of CommerceSmall Business DivisionP.O. Box 26980 405-815-6552Oklahoma City, OK 73126-0980http://www.odoc.state.ok.usUnder the Women Owned Business Assistance Program, businesswomen can get a variety of technical assistance, from business planning and marketingassistance, to financial information and government procurement practices.

The Minority Business Development Program provides support and assistance in the establishment, growth, and expansion of viable business enterprises.Counseling in the preparation of business plans and marketing strategies is available. The program also provides assistance for loan packaging, bidpreparation, feasibility studies, and certification requirements.

Oregon

Office of Minority, Women & Emerging Small Businesses155 Cottage St., MESalem, OR 97310 503-947-7976http://www.cbs.state.or.usThis office certifies women-owned, disadvantaged, and emerging small businesses, allowing them to participate in the state's targeted purchasing

programs.

Pennsylvania

Women's Business Advocate's Office354 Forum BuildingDepartment of Community and Economic DevelopmentHarrisburg, PA 17120 717-787-3339http://www.state.pa.usThe Office offers women business owners one-on-one counseling and helps them get the information they need to solve their problems in developing abusiness. They also will refer women business owners to the appropriate state offices and agencies that can best help them with every kind of issue, fromprocurement assistance to developing business and financial strategies.

Rhode Island

Office of Minority Business AssistanceDepartment of Economic DevelopmentOne West Exchange St.Providence, Rl 02903 401-222-6253This office certifies women and minority-owned businesses under federal and state set-aside and goal programs and provides counseling assistance to these companies.

Tennessee

Office of Minority Business EnterpriseDepartment of Economic & Community DevelopmentRachel Jackson Building, 7th Floorm 6fc Ms. Morth 615-141-IM5Nashville, TN 37219-5308 800-342-8470 (in TN)http://www.state.tn.us/ecd/smbusinf.htmThis office offers information, advocacy, referral, procurement, and other services to minority businesses in the state. They publish a directory ofminority businesses, offer conferences and seminars on topics useful to business owners, and serve as a clearinghouse of important information towomen and minorities. They also match vendors with potential clients and help women and minorities identify and obtain procurement opportunities.

Utah

Small Business AdministrationSalt Lake District Office125 S. State St.Salt Lake City, UT 84138 801-524-5800The Women's Business Ownership Program offers a series of business training seminars and workshops for women business owners and for womenwho want to start their own small firms. This program provides a focus on business planning and development, credit, and procurement as it relatesspecifically to women and their businesses.

Washington

Office of Minority and Women's Business EnterprisesP.O. Box 41160Olympia, WA 98504-1160 360-753-9693http://www.wsdot.wa.gov/omwbe/This office helps women and minority-owned businesses interested in participating in state contracting opportunities by moving them through thecertification process. Once certified, businesses are eligible to receive a 5% preference when bidding competitively on goods and services purchased bythe state. Upon request, businesses can be placed on bid lists maintained by individual agencies, education institutions, or contractors by contacting themdirectly.

WisconsinDepartment of CommerceP.O. Box 7970Madison, Wl 53707 800-435-7287 (in Wl)http://badger.state.wi.us 608-266-1018The Women's Business Services offers assistance in gaining information about die state's loan programs available to women business owners. Theoffice keeps track of the top 50 fastest growing and top 10 women-owned businesses in Wisconsin. They also maintain a database of women-ownedbusinesses in the state

Wisconsin Housing and Economic Development AuthorityOne South Rnckney St., #500

P.O. Box 1728 800-334-6873Madison, Wl 53701-1728 608-266-7884http://www.wheda.state.wi.usUnder the Linked Deposit Loan Program, women or minority-owned businesses with gross annual sales of less than $500,000 can qualify for lowrate loans. Loans are available under the prime lending rate for purchase or improvement of buildings, equipment, or land, but not for working capital.Business must be in manufacturing, retail trade, tourism, or agriculture packaging or processing.

Wisconsin Women Entrepreneurs1126 S. 70th St., Suite 106Milwaukee, Wl 53214 414-358-9290The office provides monthly programs, training, seminars, mentor committees, and a membership directory.

GRANTS TO COMMUNITIES TO HELP SMALLBUSINESSES START OR EXPANDContact: Luis F. BuesoEconomic Development AdministrationRoom H7319 Herbert C. Hoover Bidg. ($21,000,000.00 CURRENTLY AVAILABLE)Washington, D.C. 20230202- 482-2873

GRANTS TO WORK WITH LOCAL SCHOOLSTO TRAIN YOUR WORKERSEducational Networks DivisionRoom 502, 555 New Jersey Avenue, NW ($4,135,564.00 CURRENTLY AVAILABLE)Washington, D.C. 20208-5644202-219-2116

GRANTS TO DEVELOP NEW TECHNOLOGIESFOR YOUR BUSINESSContact: Mr. George Uriano, DirectorAdvanced Technology ProgramNational Institute of Standards and Technology ($400,000,000.00 CURRENTLY AVAILABLE)Gaithersburg, MD 20899 301- 975-5187

GRANTS TO PUBLISH BOOKS FOR A LIMITED AUDIENCEDivision of Research ProgramsSubventions, Room 318National Endowment for the Humanities ($5,720,000.00 CURRENTLY AVAILABLE)Washington, D.C. 20506202-606-8207

GRANTS TO BUSINESSES THAT EMPLOY PEOPLEWITH DISABILITIESContact: Dr. Thomas E. FinchRehabilitation Services AdministrationOffice of Assistant Secretary for Special Education and Rehabilitation ServicesU.S. Department of EducationWashington, D.C. 20202 ($22,071,000.00 CURRENTLY AVAILABLE)202-205-9796

GRANTS TO HELP MINORITY BUSINESSES ENTERNEWMARKETSContact: Ms. Theresa SpeakeAssistant Director for Program DevelopmentRoom 5096, Minority Business Development AgencyU.S. Department of Commerce ($2,000,000.00 CURRENTLY AVAILABLE)14th and Constitution Avenue, NW

Washington, D.C. 20230202-482-5770

GRANTS TO PRODUCERS OF HONEY, COTTON, RICE, SOYBEANS, CANOLE,FLAXSEED, MUSTARD SEED, RAPESEED, SAFFLOWER, SUNFLOWER SEED,FEED GRAINS, WHEAT, RYE, PEANUTS, TOBACCO, DIARY PRODUCTS, COTTON,CORN, BARLEY, OATS, SORGHUM AND DIARY FARMERS WHOSE MILK ISCONTAMINATED BECAUSE OF PESTICIDESContact: Deputy Administrator 202-720-7641Agricultural Stabilization and Conservation Service 202-720-7583P.O. Box 2415 202-720-7673U.S. Department of Agriculture 202-720-4418Washington, D.C. 20013 (13,000,000,000.00 CURRENTLY AVAILABLE)

Department of Economic Development & Tourism1100 St. Francis Dr. Room 2006Santa Fe, NM 87503 505-827-0425P/D: Grants for woman owned and minority owned businesses, plus special information sources to assist in all aspects ofbusiness management.

CORPORATE GIVEAWAYSMOBILE OIL CORPORATIONContact: Richard G. Mund3225 Gallows RoadFairfax, VA. 22037-0001(703)846-3381Fax #(703)846-3397Grant types: Capital, Department, Employee matching gifts, general support, project research and scholarship. Initial contact proposal(local, community based organization's should contact Mobil manager in their area. Include information on, description of organization and it's goals, amount requested, and specific purpose, other sources of funding, budget and audited financial statement, other pertinent information.

MOTOROLA INCORPORATEDContact: Pamela Cox1303 E. "E" Algonquin RoadSchaumburg, IL 60196(847)576-6200 Fax : 847-576-3997Grant types: Capital, Employee matching gifts, general support, project and scholarship's.Initial contact: Call or write for guidelines, then two page proposal.

TOYOTA MOTOR SALESContact: William Pauli19001 South Western AvenueTorrance, CA 90509310-618-4000Grant types: Capital, Employee matching gifts, general support, fellowships, emergency, matching, and project.

MOTOROLA AND TOYOTA AND MOBILDo not give grants to individuals, but if your organization or institution is seeking cash these are some sources.

Minority Business Development Agency

NEW YORK REGIONAL OFFICE Connecticut, Maine, Massachusetts,26 Federal Plaza, Room 3720

New Hampshire, New Jersey, New

New York, NY 10278 York, Rhode Island, Vermont, Delaware,Contact: Heyward Davenport Pennsylvania, W. Virginia, Washington DC,(212) 264-3262

Virginia, Maryland, District of Columbia

ATLANTA REGIONAL OFFICE Alabama, Florida, Georgia, Kentucky1401 W Peachtree St. NW, Suite 1715 N. Carolina, S. Carolina, Puerto Rico, Virgin Atlanta,GA 30308 Islands, TennesseeContact: Robert Henderson(404)730-3300

CHICAGO REGIONAL OFFICE Illinois, Indiana, Iowa, Kansas, Michigan55 E Monroe St, Ste 1406 Minnesota, Missouri, Nebraska, OhioChicago, IL 60603 WisconsinContact: David Vega(312) 353-0182

DALLAS REGIONAL OFFICE Arkansas, Colorado, Louisiana, Montana1100 Commerce St, Room 7B-23 New Mexico, North Dakota,Dallas, TX 75242 Oklahoma, South Dakota, Texas,Contact: John Iglehart Utah, Wyoming(214) 767-8001

SAN FRANCISCO REGIONAL OFFICE Alaska, American Samoa, Arizona,221 Main St, Room 1280 California, Guam, Hawaii, Idaho,

NevadaSan Francisco, CA 94105 Oregon, Washington, ArizonaContact: Melda Cabrea(415) 744-3001

FOUNDATION GRANTS

A foundation is a nonprofit organization whose main purpose is to improve society. Each foundation has it's own special field of interest, and if you meet the eligibility requirements within that special interest, you can receive cash grants. There are more than 30,000 active private foundations in the United States. These foundations have been created by individuals, businesses, and large corporations. An individual might want to give back part of their wealth to society, another may give money in remembrance of a loved one.

Foundation Grants For Business Related Purposes TopThe Wilder Foundation (PR)P.O. Box 99

Key Biscayne, FL 33149Program Description: Cultural and Educational support funding. Support general purposes, building funds, endowment funds, research, scholarship funds and matching funds.Contact person: Rita or Gary Wilder,President and Vice President.

Sales Office of Technology DevelopmentForum Bldg. Room 352 Harrisburg, PA 17120(717)787-4147Program Description: Research seed grant for developing or commercializing new technology.Contact person: n/a

John W. Anderson Foundation (NP)402 Wall StreetValparaiso, IN 46383(219)462-4611P/D: Building grants for the following fields of interest. Child welfare, health organization, social welfare, physical and mentally disabled, hospital, college and universities, community development, youth organizations.Contact person: William N. Vinovich, Vice Chairman

Pew Charitable Trust2005 Market Street, #1700Philadelphia, PA 19102(215) 575-9050P/D: Funding for the environment, conservation, art, education, culture.Contact person: Rebecca W. Rimel, President

William G. Selby and Marie Selby Foundation (NP)1800 2nd Street, Suite 905Sarasota, FL 34236 (941)957-0442P/D: Building and equipment grants for the following fields of interest. All levels of education, elderly, disabled, social welfare, health organization, public television, performing arts, YMCA, renovation grants.Contact person: Robert E. Perkins Exec. Dir.

John S. and James L. Knight Foundation (NP)One Biscayne Tower, Suite 3800

2 S. Biscayne Blvd.,Miami, FL 33131-1803 (305) 908-2600P/D: Celebrating its 50th anniversary in 2000, the John S. and James L. Knight Foundation makes national grants in journalism, education and arts and culture. Its fourth program, community initiatives, is concentrated in 26 communities where the Knight brothers published newspapers, but the Foundation is wholly separate from and independent of those newspapers. Grants given in areas of, for the following fields of interest: museums, performing arts, zoos, community development, churches, women minorities, social welfare, recreation, higher education, hospice, disabled, youth organizations, homeless, child welfare, low income housing, food banks, boys club, renovation grants.

Sales Office of Minority, Women & Emerging Small Bus.155 Cottage Street NE, 3rd FloorSalem, OR 97310 (503) 378-5651P/D: Grants for woman owned and minority owned businesses, plus special information sources to assist in all aspects of business management.

Chatos Foundation Inc., (NP)P.O. Box 915048Longwood, FL 32791P/D: Building and equipment grants for the following fields of interest. Social welfare, cultural organization, colleges and universities, hospitals, religious org., child welfare, homeless, recreation, disabled, renovation grants. Contact person: William J. Chatos, President.

Dept. of Economic Dev.7 Jackson WalkwayProvidence, RI 02903(401) 277-2601P/D: Grants for woman owned and minority owned businesses, plus special information sources to assist in all aspects of business management.

Michigan Strategic Fund525 W. Ottawa 3rd FloorLansing, MI 48909 (517)373-1820P/D: Grants $20,000 to $50,000 for prototype development and to support certain small business innovation projects for Michigan residents. State Research Fund (1-517-335-2139 If they are not currently making loans or grants you can also contact the Federal Small Business Administration at 1-800-827-5722 to learn about financing programs for which you may qualify.

Richard King Mellon Foun.500 Grant Street, 41st Fl, Ste. 4106Pittsburgh, PA 15219 (412)393-2800P/D: Funding for education, health care, medical research, conservation, social services, mainly in Pittsburgh and western Pennsylvania.Contact person: Michael Watson, VP

Oregon Resource & Technology Dev. Corp.1934 NE BroadwayPortland, OR 97232 (503)282-4462P/D: Seed and early-state capital for new products.

Department of Economic Dev301 Centennial Mall SouthLincoln, NE 68509 (800)426-6505P/D: Economic Development Finance Program/Community Development Block Grant Program: provides grants to businesses for job-creating business development in towns under 2,500 population. Maximum loan is 50% of the project cost. At least one new job must be created or retained for every $20,000 and at least 51% of the jobs created or retained must be for low and moderate income persons. (402)471-4167 Retirement Research Foundation8765 W. Higgins Rd., Ste. 401Chicago, IL 60631 (773)714-8080P/D: Funding to improve the quality of life of senior citizens, including nursing home care, unemployment, opportunities, independent living. Limited mostly to the Midwest & Florida area.Contact person: Marilyn Hennessy, Pres.

Economic Development & Commercial RevitalizationBureau of Community Assistance2740 Centerview DriveTallahassee, FL 32399 (904)488-3581P/D: Small City Community Development Block Grant Program: grants funds to small cities which lend money to businesses in order to foster economic development.Rhode Island Dept. of Economic Development7 Jackson WalkwayProvidence, RI 02903 (401)277-2601P/D: One stop center which provides assistance and information to Business. Various small business grants, innovative and applied research grants, tax incentives.

Troy Foundationc/o Star Bank910 W. Main StreetTroy, OH 45373 (513) 335-8513P/D: Local funding for community development, recreation, education, youth, cultural programs.Contact person: Melissa A. KleptzExec. Dir.

Missouri Dept. of Economic DevBox 118Jefferson City, MO 65102 (314)751-0717P/D: Development Block Grants: make funds of up to $500,000 available for commercial rehabilitation of buildings for business, commercial industrial purposes. New jobs must be created, at least 51% for low & moderate income persons.

Sun Trust Bank Atlanta Foundationc/o Suntrust Co. Bank, AtlantaP.O. Box 4418, MC 041Atlanta, GA 30302 (404)588-8250P/D: Special project funds, building funds, renovation projects, equipment and employee matching gifts for local community development, welfare, social services, education, cultural programs, the arts and youth agencies.Contact person: Victor A. GregorySecretary

Dept. of Community Dev.P.O. Box 48300Olympia, WA 98504 (206)753-5632P/D: Community Development Block Grant and Community Development Finance Program: provide loans, loan guarantees, and grants to businesses in select small cities and counties of Washington for economic development.

B. W. A. (NP)321 E. Walnut, Suite 200Des Moines, IA 50309 (319)277-6108P/D: Building and equipment grants for the following fields of interest. Child welfare, cultural organizations, renovation grants.Contact person: Harriet MacomberPresident

Allen H. & Selma W. Berkman Charitable Trust1500 Oliver Bldg.Pittsburgh, PA 15232 (412)355-8640P/D: Local funding for community and urban development, historic preservation, arts, health and social services.Contact person: Allen H. BerkmanPresident

The Ben May Charitable Trust (FT)Am South Bank, N.A.PO Drawer 1628Mobile, AL 36629Application address: P.O. Box 123Mobile, AL 36601P/D: Grants for higher education, cancer and community development. No application form required.Contact person: Mr. Vivian G. Johnston, Jr., Chairperson, Distribution Committee.

Fair Play Foundation (FT)350 Delaware Trust BuildingWilmington, DE 19801 (302)658-6771P/D: Renovation projects, equipment and land acquisition for historic preservation, museums, environment and wildlife.Contact person: Blaine T. PhillipsPresident

Sales Office of Business Dev.1625 Broadway, Ste. 1710Denver, CO 80202 (303)892-3840P/D: Rural Development FinancingProgram and Economic Development Commission Funds: make grants to businesses which create or retain jobs for low/moderate income persons.

Florida First Capital FinanceCompanyDept. of CommerceBureau of Business Assistance107 W. Gains StreetTallahassee, FL 32399 (904) 487-0466P/D: Small Business Innovation Research Grants Program: provides financing for the early research and development phase of innovation for small technology-based businesses.

Rhode Island Foundation70 Elm StreetProvidence, RI 02903 (401)274-4564P/D: Funding for arts, education, environment, social services, child welfare, health in Rhode Island.Contact person: Ronald Thorpe, VP Pro.

The Needmor Fund (PR)2305 Canyon Blvd., Suite 101Boulder, CO 80302P/D: Seed money, technical assistance, general purposes, operating budgets for projects designed to empower disadvantaged populations. Emphasis on grassroots, member-controlled organizations with realistic strategies and goals. Funding interest includes the environment agriculture, rural development, housing, community development and minority populationsContact person: Lynn Gisi, Coordinator

The Hawaii Community Foundation (FT)900 Fort Street Mall, Suite 1300Honolulu, HI 96813 (808) 537-6333P/D: Funds for families in crises, youth problems, environment concerns, historic preservation, community-based economic development and family services. Grants for operating budgets,seed money, equipment, technical assistance, research, special projects, renovations, student aid, scholarship funds, consulting services and seminars.Contact person: Jane Renfro Smith, Chief Executive Officer

Hall Family Foundation (PR)Charitable & Crown Investment-323P.O. Box 419580Kansas City, MO 64141-6580(816) 274-8516P/D: Funding support for the arts, youth (especially education) economic development, and the elderly. Grants for program-related investments, seed money, emergency funds, building funds, special projects and renovation projects.Contact person: Wendy Burcham, PeggyCollins, Margaret H. Pence or John Laney, Program Officers.

Virginia Dept. of Housing and Community Dev.205 N. 4th StreetRichmond, VA 23219 (804)786-4474P/D: Community Development Block Grants: are made to cities and counties which in turn lend them to eligible businesses to provide jobs.

General Research & Technology ActivityAssistant SecretaryPolicy Development & ResearchBudget, Contracts and Program Control Division, Department of Housing & Urban Development451 76th Street SWWashington, DC 20410 (202)708-1796P/D: Project grants for research and demonstration projects preselected by the Department of Housing and Urban Development as high priority projects designed to improve HUD program operations.

Utah Technology Finance Corp.419 Wakara WaySalt Lake City, UT 84108(801) 364-4346P/D: Grants to assist the growth of new and emerging technology businesses.

The Christian Workers Foundation (PR)3038 Bankhead AvenueMontgomery, AL 36106Mailing Address: P.O. Box 457Wolfeboro, NH 03896P/D: Program related investments to evangelistic Christian organizations involved in youth work. Applications are by invitation only.No geographic restrictions.Contact person: G.R. Lockhart,Trustee

Center for Innovation and Business DevelopmentBox 8103, University StationUniversity of North DakotaGrand Forks, ND 58202 (701)777-3132P/D: Grants to entrepreneurs for research on technical innovations.

Metropolitan Life Foundation1 Madison AvenueNew York, NY 10010 (212) 578-6272P/D: Funding for urban development, health, education, social services, cultural programs, art. Contact person: A. Dennis White, VP. Corporate Contributions

Promotion of the Humanities Text/PublicationSubventions, Division of Research Programs, Room 318National Endowment for the HumanitiesWashington, DC 20506(202) 606-0207P/D: Project grants to publishing entities for the dissemination of works of scholarly distinction that, without support, could not be published. Eligible to non-profit and commercial scholarly presses and publishers.

New Jersey Economic Development AuthorityCapital Place One200 S. Warren Street, CN990

Trenton, NJ 08625 (609)292-1800P/D: Direct loans, loan guarantees, revolving lines of credit.

California Dept. of Commerce801 K Street, Ste. 1700Sacramento, CA 95814(916)324-8211P/D: Sales Office of Business Dev.Enterprises Zones: provide tax incentives to encourage job producing businesses.

Department of Economic and Community Development193 State Street, #59August, ME 04333 (800)872-3838P/D: Development Block Grant Loan Program: makes funds available to cities and counties which then lend the funds to businesses for commercial rehabilitation or existing buildings used for business, commercial, or industrial purposes. Every $15,000 must create one full-time job.

David H. Koch Charitable Foundation (PR)4111 E. 37th Street NorthWichita, KS 67220 (316)832-5222P/D: Grants for seed money, building funds, campaigns, scholarship funds, operating budgets, general purposes and continuing support. Focus on the arts, education, cultural programs and economics. Contact: Ruth E. Williams

Minority Business Development CentersOffice of OperationsMinority Business Dev. AgencyU.S. Department of Commerce, Rm.5096, 14th & Constitution Ave.,NWWashington, DC 20230(202) 377-8015P/D: Project grants for businesses willing to provide free management and technical assistance to economically and socially disadvantaged individuals who need help in starting and/or operating businesses. Primary objective of the assistance are to increase the gross receipts and decrease the failure rates of the client firms. National Contact:Associate Director, Office of Operations

Xerox FoundationP.O. Box 1600Stamford, CT 06904 (203) 968-3445P/D: Funding for civic, cultural and social organizations, science & tech., higher education. Contact: Joseph M Calahan, VP

The Nathaniel and ElizabethP. Stevens Foundation (PR)P.O. Box 111North Andover, MA 01845(508) 688-7211P/D: Support for conservation, housing social services, historic preservation, the arts. Grants for general purposes, program-related investments, seed money, emergency funds, building funds, equipment, land acquisition, matching funds, and special projects. Contact:Elizabeth A. Beland, Administrator.

Department of Economic Development & Tourism1100 St. Francis Dr. Room 2006Santa Fe, NM 87503 (505)827-0425P/D: Grants for woman owned and minority owned businesses, plus special information sources to assist in all aspects of business management.

Foundation for the Tri-State Community (FT)P.O. Box 2096Ashland, KY 41105 (606)324-3888P/D: Funding for charitable, scientific, cultural, and educational concerns. Support for general purposes, special projects, seed money, consulting services and technical assistance. Contact:Theodore N. Burke Jr., Chief Exec.Officer and President

Management and Technical Assistance for Minority Business EnterprisesOffice of Minority Economic ImpactDepartment of EnergyForrestal Building, Rm. 5B-110Washington, DC 20585(202) 586-1594P/D: Grants and services to encourage increased participation of minority and women business enterprises (MBEs) in the Department of Energy=s high

technology research and development activities.

Omaha Community Foun.Two Central Park Plaza222 South 15th StreetOmaha, NE 68102 (402)342-3458P/D: Support for cultural programs, education, neighborhood and community development, health, social services, women and youth. Grants for building funds, conferences and seminars, continuing support, emergency funds, matching funds, publications, renovation projects, seed money, technical assistance and other types of support. Contact person: W. Earl Taylor, Exec. Director

Promotion of the Humanities Centers for Advanced StudyCenters for Advanced StudyDivision of Research ProgramsNational Endowment for the Humanities, Rm. 318Washington, DC 20506(202) 606-8210P/D: Support to independent research centers, American research centers overseas, and independent libraries and museums for interrelated scholarly research in well-defined subject areas. Funding provided allows these research centers to offer fellowships stipends.

Department of Commerce1424 Ninth AvenueHelena, MT 59620 (406)444-3757P/D: Development Block Grant Program: make funds of up to $500,000 available for business, commercial, industrial purposes. New jobs must be created, at least 51% for low and moderate income persons.

Mc Inery Foundation (NP)c/o Pacific Century Trust130 Merchant StreetHonolulu, HI 96813 (808)538-4944P/D: Building and equipment grants for the following fields of interest. Hospitals, youth organizations, special education, social welfare, performing arts, abused women.

Operating Assistance for Troubled Multifamily Housing ProjectsDirector, Office of Multifamily Housing Management, Dept. of Housing and Urban Devlop.Washington, DC 20410 (202)708-3730P/D: Flexible subsidy to assist in restoration and maintenance of physical/financial stability of structure; top assist with ongoing management and operating costs of low-to-moderate-income projects approved under the National Housing Act or under the HUD Act of 1965. National Contact:Director, Program Support Branch.

Boettcher Foundation (NP)600 17th Street, Ste. 2210SDenver, CO 80202 (303)534-1937P/D: Building and equipment grants. Grants issued throughout Colorado for the following fields of interest: Low income housing, disabled, elderly, child welfare, hospitals, community development, all levels of education, youth organizations, health organizations, social welfare, performing arts, museums, zoos, planned parenthood, boy scouts.Contact: Timothy W. Schultz, Pres.

The Minneapolis FoundationA200 Foshay Tower821 Marquette Avenue SouthMinneapolis, MN 55402 (612)339-7343

William C. And Taheodosia Murphy Nolana Found.200 N. Jefferson, Ste. 308El Dorado, AR 71730P/D: Building and equipment grants for the following field of interest: Hospitals, education, cultural organizations.Contact: William E. Nolan, VP

Post & Courier Foundations134 Columbus StreetCharleston, SC 29403 (803)577-7111P/D: Local funding for community dev.,law enforcement, cultural programs, conservation. Contact: J. Douglas Donehur, Admin.

Sunnen Foundation (PR)7910 Manchester Avenue

St. Louis, MO 63143 (314)781-2100P/D: Grants for matching funds, special projects, capital campaigns, endowment funds. Support for family planning, civil rights, child welfare, youth, family services, primarily for protection of reproductive and First Amendment Rights. Contact:Helen S. Sly, President

Division of Economic & Community DevelopmentDept. of CommerceBarrett Bldg. 4th fl. NorthCheyenne, WY 82002 (307)777-7284P/D: Economic Development Block Grant Program: gives money to participating cities, towns and counties for economic development projects, which then lend the money to local businesses to create jobs.

Biological Models and Materials ResearchOffice of Grants and Contract Management, National Center for Research Resources, National Institutes of HealthPublic Health ServiceBethesda, MD 20892P/D: Project Grants and SBIR Grants to fund biomedical research in non-mammalian models. Eligible to hospitals, educational institutions, and other organizations. SBIR grants are awarded to small domestic businesses with fewer than 500 employees.Contact: Grants Management Officer

Kimberly-Clark FoundationP.O. Box 619100Dallas, TX 75161 (214)830-1200P/D: Funding for community development, conservation, museums, the arts, youth, drug abuse, higher education, primarily where the corporation has operations.Contact: Colleen B. Manno, VP

Phelps Dodge Foundation- NP2600 N. Central AvenuePhoenix, AZ 85004 (602)234-8100P/D: Building and equipment grants for the following fields of interest. Welfare, cultural organizations, performing arts, youth organizations, health organizations social welfare, community development, YMCA.Contact: R. C.I Swan, Pres.

Women=s Business Ownership AssistanceSmall Business AdministrationOffice of Women=s Business Ownrshp409 3rd Street, SWWashington, DC 10416 (202) 205-6673P/D: This office makes a small number of grant to nonprofit organizations to run women's business centers.Their website home page at www. sba. gov/womeninbusiness and the Online Women's Business Center website is at www.onlinewbc.gov . Theirprograms and services, including loan guaranty programs and more. are administered through the SBA district offices across the country. There is at least one in your state; you can call the SBA Answer Desk at 1-800-U ASK SBA.Charles Stewart Mott Foun.Office of Proposal Entry1200 Mott Foundation BuildingFlint, MI 48502-1851 (313)238-5651P/D: Program-related investments, support for community improvement and education, environmental management, vocational education, family services, early childhood education and minorities.Contact: Judy Samelson, VP. Comm.

Bureau of Minority Business DevelopmentDept. of Development, P.O. Box 7970Madison, WI 53707 (608)267-9550P/D: Grants for woman owned and minority owned businesses, plus special information sources to assist in all aspects of business management.

Procurement Assistance to Small BusinessesAssociate Administrator Procurement AssistanceSmall Business Administration409 3rd Street, SWWashington, DC 20416 (202)205-6460P/G: Assistance to small businesses to help them obtain contracts and subcontracts for federal government supplies and services and to help obtain property sold by the federal government. Eligible to existing and potential small businesses, i.e. those that are independently owned and operated but

are not dominant in their fields.Local Contact: Field Office of Small Business Admin.

Management and Technical Assistance for Socially and Economically Disadvantaged BusinessesAssociate AdministratorMinority Small Business & Capital Ownership DevelopmentSmall Business Administration409 3rd Street, SW #Washington, DC 20416 (202)205-6423P/D: Project grants to give technical and management assistance to individuals, public and private organizations to help them succeed with existing or potential businesses that are socially or economically disadvantaged and are located in areas of high unemployment.

Ramuson Foundation (PR)c/o National Bank of AlaskaP.O. Box 10060Anchorage, AK 99510(907) 265-2908P/D: For Alaska nonprofit organizations. Building and equipment grants. Performing arts; museums, community development; social welfare; youth organizations, elderly, disabled, recreation. Contact: Diane Kaplan

Business ServicesOffice of Small and Disadvantaged Business Utilization, General Services AdministrationWashington, DC 20405(202) 501-1021P/D: Provides small and disadvantaged business firms with advice and counseling on taking advantage of government contracting opportunities. Procurement and surplus sales contracts are available as are concession and construction contracts. National contacts: Dir.Local Contact: Business Serv. Ctr. General Services Administration

Deposit Guaranty Foun. (PR)One Deposit Guaranty PlazaP.O. Box 730Jackson, MS 39105P/D: Program-related investments and other types of support for education, community fund, social services, youth and the arts.Contact: William M. Jones Sen. VPDeposit Guaranty Nat=l Bank

Engineering GrantsDirectorate for EngineeringNational Science Foundation4201 Wilson BoulevardArlington, VA 22230 (703)306-1302P/D: Grants for research in engineering and technology, including funds for laboratory improvement and for research opportunities for women, minorities and disabled scientists and engineers. Contact: Paul Herer, Senior Advt., Direct. For Engineering

Computer and Information Science and EngineeringComputer and Information Science and Engineering, National Science Foundation4201 Wilson BoulevardArlington, VA 22230 (703)306-1900P/D: Grants funding to support research to improve the fundamental understanding of computer and information processing, to improve the training and education of scientists, engineers, and other personnel in the field, to provide access to advanced computer networking capabilities. Available to small businesses as well as academic institutions and government agencies.Commercial Drivers Ed.Division of National ProgramsOffice of the Assistance Secretary for Vocational and Adult EducationU.S. Department of Education400 Maryland Ave, SWWashington, DC 20202-7242(202) 205-5864P/D: Project grants to establish and operate adult education programs to improve literacy skills of commercial drivers. Contact: Paul Geib

Cooper Foundation (PR)304 Cooper Plaza211 North 12th StreetLincoln, NE 68508 (402)476-7571P/D: Seed money, general purposes, and matching funds for the arts, social services for humanities. Contact: Art Thompson, President

The Lupin Foundation (PR)3715 Prytania Street, Ste. 307

New Orleans, LA 70115(504) 897-6640P/D: Support for education, the arts, civic affairs, community development. Grants for equipment research, scholarship funds, special projects, matching funds, continuing support, general purposes, program- related investments, renovation projects and seed money. Contact: Loni WesolowskiCoordinator

UNUM Charitable Foundation2211 Congress StreetPortland, ME 04122 (207)770-4378P/D: Support for AIDS, the aged, handicapped, family services, community development, the arts, and education. Grants for capital campaigns, employee matching gifts, matching funds, seed money, and special projects.Contact: Janice Manning, Secretary

Economic Dev. Administration304 N. 8, #441Boise, ID 83702 (208)334-1521P/D: Makes grants to communities for industrial site development. Communities then makes grants for individual businesses which are enable to obtain loans from conventional sources. One job must be created for every $10,000.

Federal Transit Capital Improvement GrantsFederal Transit AdministrationU.S. Department of Transportation400 Seventh Street, SWWashington, DC 20590P/D: Project grants to help finance the acquisition, construction, reconstruction, and improvement of facilities and equipment for use in mass transportation service in urban areas, and to assist in coordinating such service with other forms or transportation in such areas.

Robert Z. Hawkins Foun.One East Liberty St., Ste. 509Reno, NV 89501 (702) 786-1105P/D: Special project grants for youth, child welfare, higher education, community development, social services and Protestant giving.Contact: William A. Lindsay

Capital Construction FundAssociate Administrator For Maritime Aids, Maritime Admin.U.S. Department of TransportationWashington, DC 20590(202) 366-0364P/D: Grants in the form of tax benefits for replacement vessels, additional vessels, or reconstructed vessels, built sand documented under the laws of the United States for operation in the United States= foreign, Great Lakes, or non contiguous domestic trade. For U.S. citizens who own or lease one or more eligible vehicles and demonstrate financial capability to complete program. Contact:Associate Administrator for Maritime Aids.

Ellis L. Phillips Foundation29 Commonwealth AvenueBoston, MA 02116-2349(617) 424-7607P/D: Seed money, funding for emerging organizations developing new programs, grants for education on public issues, bio-diversity conservation, women=s issues, music, visual arts and historic preservation.Contact. Janet Walsh, Exec. D

EMPLOYEE GRANTS... HOME REPAIR... ELDERLY AND MORE Top

Foundation=s in this section make grants directly to the employee=s, former employee=s, andfamilies of employee=s of specific companies or corporation=s. Employee-related assistancemay include education support, general welfare grants, in-kind services, personal, living, medical expenses, and other emergency or long-term benefits.

American Express Foundation American Optical FoundationAmerican Express Plaza American Optical Corp.New York, NY 10004 14 Mechanic St., P.O. Box 1

Southbridge, MA 01550

Avon Products Foundation Beech Aircraft FoundationNine West 57th Street 9709 E. Central AvenueNew York, NY 10019 Wichita, KS 67201

Briggs & Stratton Corp. Foundation Brunswick Foundation, Inc.12301 W. Wirth Street One Brunswick PlazaWauwatosa, WI 53222 Skokie, IL 60077

Wal-Mart Foundation Disney Foundation608 SW 8th Street 500 S. Buena Vista StreetBentonville, AR 72716 Burbank, CA 91521

Gerber Companies Foundation Alcoa Foundationc/o Gerber Products Company Attn: F. Worth Hobbs, President445 State Street 1501 Alcoa Bldg.Fremont, MI 49412 Pittsburgh, PA 15219

Pollock-Krasner Foundation725 Park Avenue (212)517-5400New York, NY 10021P/D: Grants based on need to talented artists to further theircareers and their personal being. Emergency aid is also made in cases of personal catastrophe.

Adolph and Esther Gottlieb Foundation380 West Broadway (212)226-0581New York, NY 10012P/D: (1) Grants for painters and sculptors who=ve been working at least 20 years in a mature phase of their career; (2) Emergency assistance for painters and sculptors who have been working at least 10 years in a mature phase of their career and are in need due to some unexpected, catastrophic event.

The Thanks Be To Grandmother Winifred FoundationP.O. Box 1449Wainscott, NY 11975P/D: Grants to women over 54 years to develop and implement programs that empower and enrich the lives of women.

Ella Lyman Cabot Trust109 Rockland StreetHolliston, MA 01746P/D: Grants to individuals for unique projects which have personal significance to them, and which have some promise of making a contribution to others. It seldom supports the writing of a book, production of a film, or completion of an artistic work.

American Society of Journalists & Authors Charitable Tr.1501 Broadway, Ste. 305 (212)997-0947New York, NY 10036P/D: Assistance to needy, established professional freelance writers 60 years of age or older, disabled or in an extraordinary professional crisis, and who have no pension from a former employer.

Edward Albee Foundationc/o A. Kozak Co.,192 Lexington Ave., Ste. 1100New York, NY 10016P/D: Grants of a free room in the foundation=s living colony for one month to writers, visual artists, and scultors.

Theodore A. Vierra Foundationc/o Hawaiian Trust Co.P.O. Box 3170 (808)525-4548Honolulu, HI 96802P/D: Assistance to needy Hawaiian residents, generally age 50 and older.

Phone numbers periodically change without notice, please refer to that states local (area code) and 555-1212 directory

Dept. of Housing and Urban Affairs (HUD)Interest Reduction Payments, Office of Multifamily Housing Management, Philadelphia Regional Office.Liberty Square Bldg.105 South Seventh Street (215)597-2560Philadelphia, PA 19016P/D: Direct payments to reduce interest payments for low and moderate - income persons in rental & cooperative housing.

Welfare Trust Fund Of The Twenty-Five Year Club of I.Dc/o The Bank of New York, Tax Dept.

One Wazil StreetNew York, NY 10286P/D: Grants for aged, infirmed or other-wise needy individuals connected with the independent distribution of magazines, small-sized books, or newspapers.

Tallman Boys Fund Trustc/o First American Trust Co.1 Dearborn Sq.,Kankakee, IL 60901P/D: Short term aid to neglected or homeless Protestant boys under 12 living in Kankakee County.

Puffin Foundation20 East Oakdene Avenue (201) 836-8923Teaneck, NJ 07666P/D: Grants to encourage and help young artists in the areas of the written word and performing arts.

Greater Tacoma Community FoundationP.O. Box 1995 (206) 383-5622Tacoma, WA 98401P/D: Grants to any unwed mother-to-be who lives in Pierce County, Washington, and is pregnant with her first child..

Attila Szigethy Foundation400 Old Pond Road (412) 221-7600Bridgeville, PA 15017P/D: Grants to widows or direct descendants of persons whoactively fought on the side of the Hungarian Freedom Fighters against the Hungarian communist government in 1956.

Steve Stove FoundationP.O. Box 307, Olf Ferry Road (615)244-7040Ashland City, TN 37015P/D: Aid to needy Tennessee residents, including employees of State Industries company.

Musicians Emergency Relief Fund - Local 802330 W. 42nd Street (212) 245-4802New York, NY 10036P/D: Welfare assistance to sick, distressed or indigent musicians who=ve been union members for at least 3 years.

J. F. Schoellkiopf Silver Wedding Fundc/o Manufacturers & Traders Trust Co.P.O. Box 22900Rochester, NY 22900P/D: Welfare assistance to Buffalo residents who are members or spouses or children of members of the Mutual Aid Society.

Frank Rider Trustc/o Maurice AllertP.O. Box 195 (509)523-4693Rosalia, WA 99170P/D: Grants mainly for indigent Masons in Whitman, Lincoln, Adams, Franklin, and Grant Counties in Washington State.

Ontario Children=s HomeP.O. Box 82Canadaigua, NY 14424P/D: Grants for child daycare, youth organization memberships, children=s medical expenses, day camp, field trips, and taking part in Special Olympics.

Dramatists Guild Fund330 W. 42nd Street (212)268-1208New York, NY 10036P/D: Grants in aid to needy playwrights in New York who have their works produced or published.

Lenna M. Keith Charitable Trustc/o Michigan National Bank P.O. Box 1707 (616)451-7628Grand Rapids, MI 49501P/D: Financial assistance to needy residents at Burcham Hill Retirement Center, Lansing, MI.

Great Commission Foundation

10454 County Road., 128 (419)424-0422Findlay, OH 45840P/D: Grants to individuals who agree with and who strive to uphold the statement of Christian faith set forth by the Foundation.

District Lodge No.3 of Norway Charitable Trust121 Glen RoadNorth Babylon, NY 11703P/D: Grants to indigent individuals of Norwegian descent, who are members in good standing of Sons of Norway, District Lodge No. 3.

The de Kay Foundationc/o Chemical Bank270 Park Avenue., 27th Floor (212)270-9077New York, NY 10017P/D: Financial assistance to needy elderly persons Aof culture or refined heritage@ in New York, New Jersey and Conn.

Farmers Home Administration (FMHA)Federal Building1220 SW Third Ave., Room 1590 (503)326-2731Portland, OR 97204P/D: Grants to help very low income homeowners in rural areas repair or improve their dwellings. Grant recipients must be at least 62 years old and unable to repay a loan.

Dallas Cotton Exchange Trustc/o Texas Commerce BankP.O. Box 2320Dallas, TX 75221P/D: Financial assistance to individuals engaged or formerly engaged in the cotton merchandising business in Dallas, their employees or former employees. If these individuals are unable to earn a sufficient amount to meet the basic cost of living, their immediate family members are also eligible.

The James Gordon Bennett Memorial100 Bertwell RoadLexington, MA 02173P/D: Pecuniary aid to needy journalists who have been employees for ten or more years on a daily newspaper in New York City. Acceptance is based on need and is to be used for the physical needs of person.. who, by reason of old age, accident or bodily infirmity, or through lack of means, are unable to care for themselves.

Nurses House Financial AssistanceNurses House, Inc.350 Hudson Street (212)989-9393New York, NY 10014-4504P/D: Assistance is provided to registered nurses who need temporary financial assistance because of disability, illness, unemployment, or other causes. Requests for assistance can be made by the nurse, a colleague, a friend, or other source. The amount of assistant offered depends on need of the recipient. These are short term grants to tide the nurse over a temporary crisis or need. Applications may be submitted at any time.

Allgemeiner Deutscher Frauen-Hilfsverein(also known as German Ladies General Benevolent Society)P.O. Box 27101 (415)391-9947San Francisco, CA 94127P/D: Provides temporary assistance to needy women and children of German descent residing in the San Francisco Bay Area, CA. Application form required. Contact: Inge G. Byrnes, Secy-Treasurer.

Veterans Housing-Guaranteed and Insured VA Home LoansAlaska Housing Finance Corp.P.O. Box 101020 (907)561-1900Anchorage, AK 99510P/D: Interest subsidies, tax breaks, to buy, construct, repair homes, mobile homes, condominium units.

Ella B. Thompson Trustc/o Nations Bank of Texas, N.A.P.O. Box 2518, TX4-213-31-09Houston, TX 77252-2518P/D: Financial assistance to retired school teachers of the Galveston Public School System TX. Contact foundations for guidelines.

Westport-Weston Foundation Trustc/o The Westport Bank & Trust Co.P.O. Box 5177Westport, CT 06881P/D: Grants for assistance with medical and basic living expenses and Christmas presents to financially needy residents of Westport and Weston, CT only. Applications accepted throughout the year. Initial approach by letter. Completion of formal application required.

Farmers Home AdministrationAlabama Development Office401 Adams Ave., #600Montgomery, AL 36130P/D: The federal government and state governments have funds available to renters, homeowners, real estate investors as well as developers in urban and rural areas. These funds can take the forms of grants and direct payments.

Society of Kastorians AOmonoia@ Inc.246 Eighth Avenue (212)242-1930New York, NY 10011P/D: Relief assistance to financially needy individuals in NJ and NY. Contact the society for current application guidelines. Contact: Vasili Zissis, Dir.

Smock Foundation GrantsFrank L. and Laura L Smock Foundationc/o Norwest Bank Fort WayneAttn: Investments and Trust111 E. Wayne Street, P.O. Box 960 (219)461-6444Fort Wayne, IN 46801-6632P/D: To provide financial assistance to elderly individuals of the Presbyterian faith who reside in Indiana and are in financial need. Dept. of Housing and Urban Affairs (HUD)Interest Reduction PaymentsOffice of Multifamily Housing ManagementAlbany HUD Office52 Corporate Circle (518)464-4200Albany, NY 12203P/D: Direct payments to reduce interest payments for low and moderate - income persons in rental and cooperative housing.

Farmers Home Administration (FMHA)3727 Government Street (318)473-7920Alexandria, LA 71302P/D: Grants to help very low income homeowners in rural areas repair or improve their dwellings. Grants recipients must be at least 62 years old and unable to repay a loan.

Sophia Byers Mc Comas Foundationc/o U.S. National Bank of OregonP.O. Box 3168, Trust Div. (503)275-6564Portland, OR 97208P/D: Financial assistance by recommendation only to needy residents of Oregon. Applicants are recommended to the trustees by various church groups and service agencies. Approximately 40 individuals receive monthly grants from the foundation.

Specially Adapted Homes for Disabled VeteransDepartment of Veterans Affairs810 Vermont Avenue, N.W. (202)418-4343 / (800)827-1000Washington, DC 20420P/D: To provide financial assistance to certain disabled veterans for a home specially adapted to their needs. Veterans must be entitled to compensation for permanent and total service-connected disability due to 1) the loss or loss of use of both lower extremities, such as preclude locomotion without the aid of braces, crutches, canes, or a wheelchair, or 2) blindness in both eyes, having only light perception, plus loss or loss of use of 1 lower extremity, 3) a loss or loss of use of 1 lower extremity together with residuals of organic disease or injury or the loss or loss of use of 1 upper extremity, such as to preclude locomotion without resort to braces, canes, crutches, or a wheelchair. The VA may approve a grant of not more than 50 percent of the cost of building, buying, or remodeling homes for eligible veterans, or paying indebtedness of such homes already acquired. Applications are accepted at any time.

Merchants Fund(Formerly Merchants-Oliver Fund)c/o 9 Hemmenway & Reinhardt, Inc.Four Park AvenueSwarthmore, PA 19081-1723Application Address:c/o C. Joyce Kwaufmann, Secy.-Treas.,P.O. Box 111Point Pleasant, PA 18950P/D: Relief assistance to indigent merchants, their widows, and their families in the Philadelphia, PA area. Applications accepted throughout the year. Initial approach by letter requesting application. Completion of formal application req.

The Anshutz Family Foundation555 17th Street., Suite 2400 (303)293-2338Denver, CO 80202P/D: The Foundation=s mission is to support efforts to assist the elderly, the young, and the economically disadvantaged. The Foundation expresses

special interest in endeavors that promote community development which emphasizes self-sufficency. Further, the Foundation encourages strengthening the family and their values to become responsible citizens of society. The Foundations goal in philanthropy is to help people help themselves while preserving their self respect. Giving primarily in CO, with emphasis on Denver.Dept. of Housing and Urban Affairs (HUD)Interest Reduction PaymentsOffice of Multifamily Housing ManagementBangor HUD Office23 Main Street (207)945-0467Bangor, ME 04401P/D: Direct payments to reduce interest payments for low-and moderate-income persons in rental and cooperative housing.

Up To $10,000 For RefugeesORR/Division of Community Resettlement370 L'Enfant Promenade, SW Sixth FloorWashington, DC 20447 202-401.924Refugees can receive technical assistance, training, or loans of up to $10,000 through a program called the Micro-Enterprise Development Project. The program allows states and public or private, nonprofit organizations an institutions to apply to receive grants to develop and administer mien enterprise programs consisting of small-scale financing ($10,000) availablethrough microloans to refugees. It also includes funding for technic; assistance and support to these refugee entrepreneurs. For information on organizations which were awarded grants, contact the office listed above

Get Money From Your StateCommunity ConnectionsInformation CenterOffice of Community Planning and DevelopmentP.O. Box 7189Oaithersburg,MD 20898-7189 1-800-998-9999This is the second largest component of the Community Development Block Grant (CDBO) program and aids communities that do not qualify for assistance under the CDBG entitlement program. The grants assist communities in carrying out a wide range of community developmentactivities directed toward neighborhood revitalization, economic development, and the provision of improved community facilities and services. Funds can also be used to provide assistance to public and private organizations, agencies, and other entities (including nonprofits and for profits to facilitate economic development in supporting micro-enterprise). Funds can be used to establish credit (direct loans and loan guarantees, revolving loan funds, and more) for the stabilization and expansion of micro-enterprises; provide technical assistance, advice, and business support services to owners of micro-enterprises; and provide general support to owners of micro-enterprises and organizations developing micro-enterprises. If you are an interested citizen, you should contact your local officials for more information. If your local government or state officials cannot answer your questions, you may wish to contact the HUD Field Office that services your area (look for the office closest to you from the list later in this chapter). Be aware that the state administers the program and determines which local projects receive funding.

You can also contact: Community Connections, Information Center, Office of Community Planning and Development, P.O. Box 7189, Gaithersburg, MD. 20898-7189; 1-800-998-9999

Public Housing EntrepreneursU.S. Department of Housing and Urban DevelopmentDeputy Director of Resident Initiatives451 Seventh Street, SW, Room 4112Washington, DC 20410 202-619-8201Call yourself a handyman and get money to fix up your neighborhood. Money is set aside to give to public housing residents to modernize existing public housing projects. The money can also be used to provide residents with on-the-job training in construction and contractor related trades. It's called the Comprehensive Grant Program, and is available to Public Housing Agencies of 250 housing units or more, which includes 897 public housing agencies nationwide. Contact your local Public Housing Authority for more information or you may contact the office listed above.

South Carolina Specially Adapted Housing Tax ExemptionSouth Carolina Division of Veterans Affairs1205 Pendleton Street, Room 226Columbia, SC 29201 (803)734-0200 fax (803)734-0197P/D: To provide for the exemption of taxes on specially adapted housing in South Carolina that was acquired from the U.S. Department of Veterans Affairs. Veterans having service-connected disabilities resulting in the loss or loss of use of lower extremities (requiring braces, crutches, or wheelchairs for locomotion) as well as blinded veterans who have loss of use of a lower extremity qualify for specially adapted housing from the U.S. Dept. of Veterans Affairs. Disabled veterans who are residents of South Carolina and who have acquired such housing with financial assistance from the VA are eligible for this exemption. If the eligible veteran is deceased, the spouse, dependent children, or dependent parents are eligible for the exemption. Applications may be submitted at any time.

John Anson Kittredge Educational Fundc/o Key Trust Co. of MainP.O. Box 1054Augusta, ME 04332P/D: Grants to artists and scholars for travel to conferences, research, and other projects.

Michigan State Housing Development Authority

P.O. Box 30044 (800)327-9158Lansing, MI 48909P/D: Grants for single-family homes and condominiums Rent subsidies for low income households in Grand Rapids and Buena Vista.

Farmers Home Administration355 East Hancock Avenue (706)546-2152Athens, GA 30610P/D: Grants to assist very low and low-income rural homeowners to repair or rehabilitate their housing.Roncari Family Foundation, Inc.c/o Pepe & HazardGoodwin Sq.,Hartford, CT 06103-4302Application Address:c/o Raymond A. RoncariP.O. Box 326Windsor Locks, CT 06096P/D: General support grants primarily to residents of CT, with preference shown to members of the clergy. Applications by letter accepted throughout the year.

Albert B. Cutter Memorial Fundc/o Box 712 (909)781-1464Riverside, CA 92506P/D: Limited emergency grants only to persons who have been permanent residents of Riverside, CA for a minimum of one year and have been referred by local agencies. Application accepted from local agencies throughout the year. Completion of formal application required. Interview or presentation recommended. Individuals are referred by local agencies. Contact: Trust Dept.

Frank Rider TrustP.O. Box 195 (509)523-4659Rosalia, WA 99170-0195P/D: Assistance to indigent Masons in Whitman, Lincoln Adams, Franklin, and Grant counties. Applications accepted throughout the year. Completion of formal application required.

Farmers Home Administration (FMHA)P.O. Box 147010 (904)338-3400Gainesville, FL 32614P/D: Grants to help very low income homeowners in rural areas repair or improve their dwellings. Grant recipients must be at least 62 years old an unable to repay a loan.

The CB Trust8201 Preston Road, Suite 600 (214)890-8000Dallas, TX 75225P/D: Grants to players and coaches, and their spouses, who are now or were at one time on the active roster of a member team of the National Football League. Applications accepted throughout the year. Applications by letter outlining financial need.

The Bill Baldwin Fund, Inc.,P.O. Box 388 (518)252-8420Troy, NY 12181-0388P/D: Financial Assistance to individuals who are or were employed in the publishing or periodical distribution industry.

Kids Inc. GrantsKids, Inc.9300-D Old Keene Mill Road (703)455-KIDSBurke, VA 22015P/D: To fill the wishes of chronically or terminally ill children (frequently those suffering from cancer) who are 18 years of age or younger are eligible to apply. There are no geographical restriction in the United States. The amount involved varies, depending upon the cost of filling the child=s dream. Applications may be submitted at any time.

Italian-American Community Services Agency(Formerly Italian Welfare Agency, Inc.)678 Green Street San Francisco, CA 94133-3896P/D: Assistance to indigent individuals, including senior citizens. Contact foundation for current application. guidelines.

Western Association of Ladies for the Relief & Employment of the Poorc/o First Fidelity BankBroad and Walnut StreetPhiladelphia, PA 19109Application Address: c/o Marlane G. Bohon, Exec. Secy.404 Beaumont Circle, (601) 692-7962

West Chester, PA 19380P/D: Relief to the poor and aged of Philadelphia County, PA.Candidates must be referred by a social service agency and not be covered by government programs or other funding sources. Application accepted throughout the year. Application must be submitted in writing through a social worker from an approved social service organization.

High Hopes Foundation GrantsHigh Hopes Foundation of New Hampshire, Inc.,P.O. Box 172 (603)898-5333 (800)639-6804North Salem, NH 03073P/D: To grant the wishes of chronically ill children and children with life threatening diseases who are between the ages of 3 and 18 are eligible for assistance if they live in New Hampshire. Applications may be submitted at any time.

Dept. of Housing and Urban Affairs (HUD)Interest Reduction PaymentsOffice of Multifamily Housing ManagementManchester HUD Office275 Chestnut Street (603)666-7681Manchester, NH 03101P/D: Direct payments to reduce interest payments for low-and moderate - income persons in rental & cooperative housing.

Oklahoma Emergency Aid GrantsOklahoma Department of Veterans AffairsVeterans Memorial Building2311 North Central P.O. Box 53067 (405)521-3684Oklahoma City, OK 73152P/D: To provide emergency aid to Oklahoma veterans and their families who, because of disaster are in financial need. Wartime veterans with at least 90 days of wartime service and an honorable discharge who are current residents of Oklahoma and who have resides in Oklahoma for 1 year immediately preceding the date of application are eligible for these grants. The cash may be used for rent or mortgage payments, food, and/or utilities by veterans who have suffered a loss from a disaster. Applications must be submitted to the local post or chapter of a veterans services organization for initial approval or disapproval. They may be submitted at any time during the year.

Federal Money for Housing and Real Estate Ventures Top

The following is a description of the federal funds available to renters, homeowners, developers, and real estate investors for housing assistance in urban and rural areas. This information is derived from the Catalog of Federal Domestic Assistance which is published by the U.S. Government Printing Office in Washington, D.C. The number next to the title description is the official reference for this federal program. Contact the office listed below the caption for further details. The following is a description of some of the terms used for the types of assistance available:

Loans: money lent by a federal agency for a specific period of time and with a reasonable expectation of repayment. Loans may or may not require a payment of interest.Loan Guarantees: programs in which federal agencies agree to pay back part or all of a loan to a private lender if the borrower defaults.Grants: money given by federal agencies for a fixed period of time and which does not have to be repaid.Direct Payments: funds provided by federal agencies to individuals, private firms, andinstitutions. The use of direct payments may be "specified" to perform a particular service or for "unrestricted" use.Insurance: coverage under specific programs to assure reimbursement for losses sustained.Insurance may be provided by federal agencies or through insurance companies and may or may not require the payment of premiums.

* Money for Conserving the Water and Soil Duringan Emergency(10.054 Emergency Conservation Program (ECP))Agricultural Stabilization and Conservation ServiceU.S. Department of AgricultureP.O. Box 2415Washington, DC 20013 202-720-6221Objectives: To enable farmers to perform emergency conservation measures to control wind erosion on farmlands, or to rehabilitate farmlands damagedby wind erosion, floods, hurricanes, or other natural disasters and to carry out emergency water conservation or water enhancing measures during periodsof severe drought. Types of assistance: direct payments for specified use. Estimate of annual funds available: (Direct payments) $19,489,000.

* Money to Insure Your Soil and Land RemainsIntact(10.063 Agricultural Conservation Program (ACP))Agricultural Stabilization and Conservation ServiceU.S. Department of AgricultureP.O. Box 2415

Washington, DC 20013 202-720-6221Objectives: Control of erosion and sedimentation, encourage voluntary compliance with Federal and State requirements to solve point and nonpointsource pollution, improve water quality, encourage energy conservation measures, and assure a continued supply of necessary food and fiber for astrong and healthy people and economy. The program will be directed toward the solution of critical soil, water, energy, woodland, and pollution abatement problems on farms and ranches. Types of assistance: direct payments for specified use. Estimate of annual funds available: (Direct payment) $146,618,000.

* Money to Insure That Your Water is Clean(10.068 Rural Clean Water Program (RCWP))Agricultural Stabilization and Conservation ServiceU.S. Department of AgricultureP.O. Box 2415Washington, DC 20013 202-720-6221Objectives: To achieve improved water quality in the most cost-effective manner possible in keeping with the provisions of adequate supplies of food,fiber, and a quality environment, and to develop and test programs, policies, and procedures for control of agricultural nonpoint source pollution. Typesof assistance: direct payments for specified use. Estimate of annual funds available: (Direct payments) $43,000.

* Money to Improve Your Water and Soil(10.069 Conservation Reserve Program (CRP))Agricultural Stabilization and Conservation ServiceU.S. Department of AgricultureP.O. Box 2415Washington, DC 20013 202-720-6221Objectives: To protect the Nation's long-term capability to produce food and fiber; to reduce soil erosion; to reduce sedimentation; to improve waterquality; to create a better habitat for fish and wildlife; to curb production of some surplus commodities; and to provide some needed income support forfarmers. Types of assistance: direct payments for specified use. Estimate of annual funds available: $1,808,578,000.Money Available to Change Your County Property Into a Wetlands (10.070 Colorado River Basin Salinity Control Program (CRBSCP)) Agricultural Stabilization and Conservation Service

U.S. Department of AgricultureP.O. Box 2415Washington, DC 20013 202-720-6221Objectives: To provide financial and technical assistance to: (1) Identify salt source areas; (2) develop project plans to cany out conservation practices toreduce salt loads; (3) install conservation practices to reduce salinity levels; (4) cany out research, education, and demonstration activities; (5) carry outmonitoring and evaluation activities; and (6) to decrease salt concentration and salt loading which causes increased salinity levels within the ColoradoRiver and to enhance the supply and quality of water available for use in the United States and the Republic of Mexico. Types of assistance: directpayments for specified use. Estimate of annual funds available: (Direct payments) $8,394,000.

* Loans to Help Your Country Property RecoverFrom an Emergency(10.404 Emergency Loans)Administrator, Consolidated Farm Service AgencyU.S. Department of AgricultureWashington, DC 202-720-1632Objectives: To assist established (owner or tenant) family fanners, ranchers and aquaculture operators with loans to cover losses resulting from majorand/or natural disasters, which can be used for annual farm operating expenses, and for other essential needs necessary to return disaster victims'farming operations to financially sound bases in order that they will be able to return to private sources of credit as soon as possible. Types of assistance:direct loans. Estimate of annual funds available: $100,000,000.

* Money to Build Houses for Your Employees(10.405 Farm Labor Housing Loans and Grants (Labor Housing))Mulrifamily Housing Processing DivisionConsolidated Farm Service AgencyU.S. Department of AgricultureWashington, DC 20250 202-720-1604Objectives: To provide decent, safe, and sanitary low rent housing and related facilities for domestic farm laborers. Types of assistance: project grants;guaranteed/insured loans. Estimate of annual funds available: (Loans) $16,012,000. (Grants) $11,297,000.

* Money to Buy, Fix Up or Build Houses in Small Towns(10.410 Very Low to Moderate Income Housing Loans(Section 502 Rural Housing Loans))AdministratorConsolidated Farm Service AgencyU.S. Department of AgricultureWashington, DC 20250 202-720-7967Objectives: To assist lower income rural families through direct loans to buy, build, rehabilitate, or improve decent, safe, and sanitary dwellings and

related facilities for use by the applicant as a permanent residence. Subsidized funds are available only on direct loans for low and very low income applicants. Nonsubsidized Funds (loan making) are available for very low and low income applicants who are otherwise eligible for assistance, but based on the amount of the loan requested, the interest credit assistance formula results in no interest credit. Nonsubsidized funds (loan servicing) are available to very low, low and moderate income applicants/borrowers who do not qualify for interest credit assistance for: (1) Subsequent loans for repair andrehabilitation; and (2) subsequent loan part only (repair or rehabilitation or the payment of equity) in connection with transfers by assumption or creditsales. Loan guarantees are also available to assist moderate income rural families in home acquisition. Types of assistance: direct loans;guaranteed/insured loans. Estimate of annual funds available: (Direct Loans) $1,400,000,000 (for subsidized low or moderate income loans for servicingand repairs). (Guaranteed loans) $1,000,000,000. * Money for Nonprofits to Build Rental Houses in Small Towns (10.415 Rural Rental Housing Loans) Director

Multifamily Housing Processing DivisionConsolidated Farm Service AgencyU.S. Department of AgricultureWashington, DC 20250 202-382-1604Objectives: To provide economically designed and constructed rental and cooperative housing and related facilities suited for independent living forrural residents. Types of assistance: direct loans. Estimate of annual funds available: (Direct Loans) $220,000,000.

* Money to Improve Your Water for a House inthe Country(10.416 Soil and Water Loans (SW Loans))AdministratorConsolidated Farm Service AgencyU.S. Department of AgricultureWashington, DC 20250 202-720-1632Objectives: To facilitate improvement, protection, and proper use of farmland by providing adequate financing and supervisory assistance for soilconservation, water resource development, conservation and use, forestation, drainage of farmland, the establishment and improvement of permanentpasture, the development of pollution abatement and control facilities on farms, development of energy conserving measures and other relatedconservation measures. Types of assistance: direct loans; guaranteed/insured loans. Estimate of annual funds available: (Direct Loans) $2,894,700.(Guarantee Loans) $832,290.

* Loans and Grants to Fix Up Your House inthe Country ($5,000 Grants)(10.417 Very Low Income Housing Repair Loans and Grants(Section 504 Rural Housing Loans and Grants)DirectorSingle-Family Housing Processing DivisionConsolidated Farm Service AgencyU.S. Department of AgricultureWashington, DC 20250 202-720-1474Objectives: To give very low income rural homeowners an opportunity to make essential repairs to their homes to make them safe and to remove healthhazards to the family or the community. Types of assistance: direct loans; project grants. Estimate of annual funds available: (Loans) $25,000,000.(Grants) $25,000,000.

* Money to Conserve Soil and Water in SmallTowns(10.900 Great Plains Conservation)Deputy Chief for ProgramsSoil Conservation ServiceU.S. Department of AgricultureP.O. Box 2890Washington, DC 20013 202-720-1868Objectives: To conserve and develop the Great Plains soil and water resources by providing technical and financial assistance to farmers, ranchers,and others in planning and implementing conservation practices. Types of assistance: direct payments for specified use; advisory services andcounseling. Estimate of annual funds available: (Grants) $2,045,000. (Salaries and expenses) $8,892,000.

* Money to Fix Up an Abandoned Coal Mine(10.910 Rural Abandoned Mine Program (RAMP))Deputy Chief for ProgramsSoil Conservation ServiceU.S. Department of AgricultureP.O. Box 2890Washington, DC 20013 202-720-2847Objectives: To protect people and the environment from the adverse effects of past coal mining practices, and to promote the development of soil andwater resources of unreclaimed mined lands. Types of assistance: direct payments for specified use; advisory services and counseling. Estimate ofannual funds available: (Grants) $8,524,403. (Salaries and expenses) $4,854,550.

* Loans to Fix Up Houses That Are More Than

One Year Old(14.108 Rehabilitation Mortgage Insurance (203(k)))DirectorSingle Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2720Objectives: To help families repair or improve, purchase and improve, or refinance and improve existing residential structures more than one year old.Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Loans insured) $201,259,000.

* Loans to Buy Trailers(14.110 Manufactured Home Loan Insurance-Financing Purchase ofManufactured Homes as Principal Residences of Borrowers (Title 1))DirectorTitle I Insurance DivisionU.S. Department of Housing and Urban DevelopmentSOO-733-4663Washington, DC 20410 202-708-2880Objectives: To make possible reasonable financing of manufactured home purchases. Types of assistance: guaranteed/insured loans. Estimate of annualfunds available: Loans reported under program No. 14.142.

* Loans to Co-op Investors(14.112 Mortgage Insurance for Construction or SubstantialRehabilitation of Condominium Projects (234(d) Condominiums))Policies and Procedures DivisionOffice of Insured Multifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2556Objectives: To enable sponsors to develop condominium projects in which individual units will be sold to home buyers. Types of assistance:guaranteed/insured loans. Estimate of annual funds available: (Mortgages ò insured) $0.

* Loans to Homeowners Anywhere With 1 to 4 Family Units(14.117 Mortgage Insurance-Homes (203(b)))DirectorSingle Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To help people undertake home ownership. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgagesinsured-including funding for 14.119, 14.121, 14.163 and 14.175) $52 610,678 000.

* Loans to Buy Single Family Homes for Disaster Victims(14.119 Mortgage Insurance-Homes for Disaster Victims (203(h)))DirectorSingle Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To help victims of a major disaster undertake homeownership on a sound basis. Types of assistance: guaranteed/insured loans. Estimate ofannual funds available: (Mortgages insured) reported under Program No. 14.117.

* Money for Low to Moderate Income FamiliesHurt by a Disaster or Urban Renewal(14.120 Mortgage Insurance-Homes for Low and Moderate IncomeFamilies (221(d)(2)))Director, Single Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To make homeownership more readily available to families displaced by a natural disaster, urban renewal, or other government actionsand to increase homeownership opportunities for low income and moderate income families. Types of assistance: guaranteed/insured loans. Estimate ofannual funds available: (Mortgages insured) $127,193,000.

* Money for Homes in Outlying Areas(14.121 Mortgage Insurance-Homes in Outlying Areas (203(i)))Director, Single Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To help people purchase homes in outlying areas. Types of assistance: guaranteed/insured loans. Estimate of annual funds available:

(Mortgages insured) reported under program No. 14.117.

* Money for Homes in Urban Renewal Areas(14.122 Mortgage Insurance-Homes in Urban Renewal Areas(220 Homes))Director, Single Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To help families purchase or rehabilitate homes in urban renewal areas. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) $47,000.

* Money for Homes in Older Areas of Town(14.123 Mortgage Insurance-Housing in Older, Declining Areas (223(e)))For Single Family:Single Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700For Multifamily: Policies and Procedures DivisionOffice of Insured Multifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2556Objectives: To assist in the purchase or rehabilitation of housing in older, declining urban areas. Types of assistance: guaranteed/insured loans. Estimateof annual funds available: (Mortgages insured - single family and multifamily) $16,794,000.

* Money to Buy a Co-op Apartment(14.126 Mortgage Insurance-Cooperative Projects (213 Cooperatives))Policies and Procedures DivisionOffice of Insured Multifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2556Objectives: To make it possible for nonprofit cooperative ownership housing corporations or trusts to develop or sponsor the development of housingprojects to be operated as cooperatives and to allow investors to provide good quality multifamily housing to be sold to such nonprofit corporations or trusts upon completion of construction or rehabilitation. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgagesinsured-including funding for 14.132) $0.

* Money to Buy a Trailer-Home Park(14.127 Mortgage Insurance-Manufactured Home Parks (207(m)Manufactured Home Parks))Policies and Procedures DivisionOffice of Insured Multifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2556Objectives: To make possible the financing of construction or rehabilitationof manufactured home parks. Types of assistance: guaranteed/insured loans.Estimate of annual funds available: (Mortgages insured) Reported underprogram No. 14.134.

* Money to Buy a Hospital(14.128 Mortgage Insurance-Hospitals (242 Hospitals))Hospital Mortgage Insurance StaffU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-0599andDivision of Facilities LoansU.S. Department of Health and Human ServicesRockville, MD 20857 301-443-5317Objectives: To facilitate the affordable financing of hospitals for the care andtreatment of persons who are acutely ill or who otherwise require medicalcare and related services of the kind customarily famished only or mosteffectively by hospitals. Types of assistance: guaranteed/insured loans.Estimate of annual funds available: (Mortgages insured) $350,000,000.

* Money to Buy a Condominium(14.133 Mortgage Insurance-Purchase of Units in Condominiums(234(c)))Director, Single Family Development DivisionOffice of Insured Single Family Housing

U.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To enable families to purchase units in condominium projects. Types of assistance: guaranteed/insured loans. Estimate of annual fundsavailable: (Mortgages insured) $4,844,885,000.

* Money to Invest in Apartment Buildings forMiddle Class Families(14.135 Mortgage Insurance-Rental and Cooperative Housing forModerate Income Families and Elderly, Market Interest Rate (221 (d)(3)and (4) Multifamily - Market Rate Housing))Policies and Procedures DivisionOffice of Insured Multifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2556Objectives: To provide good quality rental or cooperative housing for moderate income families and the elderly and handicapped. Single RoomOccupancy (SRO)mayalsobeinsuredunderthissection(see 14.184). Types of assistance: guaranteed/insured loans. Estimate of annual funds available:(Mortgages insured excluding coinsurance) $444,913,000.

* Money to Buy a Nursing Home(14.129 Mortgage Insurance-Nursing Homes, Intermediate CareFacilities and Board and Care Homes (232 Nursing Homes))Policies and Procedures DivisionOffice of Insured Mullifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20412 202-708-2556Objectives: To make possible financing for construction or rehabilitation of nursing homes, intermediate care facilities and board and care homes, toallow purchase or refinancing with or without repairs of projects currently insured by HUD, but not requiring substantial rehabilitation, and to provideloan insurance to install fire safety equipment. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgagesinsured) $1,019,908,000.

* Money to Buy Your House if It is in a LongTerm Ground Lease(14.130 Mortgage Insurance-Purchase by Homeowners of Fee SimpleTitle From Lessors (240))Director, Single Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To help homeowners obtain fee-simple title to the property which they hold under long-term leases and on which their homes are located.Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) $0.

* Money to Invest in Rental Housing for the Elderly(14.138 Mortgage Insurance-Rental Housing for the Elderly (231))Policies and Procedures DivisionOffice of Insured Multifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2556Objectives: To provide good quality rental housing for the elderly. Types of assistance: guaranteed/insured loans. Estimate of annual funds available:(Mortgages insured) $0.

* Money to Invest in Rental Housing in Urban Renewal Areas(14.139 Mortgage Insurance-Rental Housing in Urban Renewal Areas(220 Multifamily))For production information:Policies and Procedures DivisionOffice of Insured Multifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2556For management information:Director, Office of Multifamily Housing ManagementU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-3730Objectives: To provide good quality rental housing in urban renewal areas, code enforcement areas, and other areas designated for overall revitalization.Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) 0.

* Money to Buy Your Co-op(14,132 Mortgage Insurance-Purchase of Sales-Type CooperativeHousing Units (213 Sales))

DirectorSingle Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To make available, good quality, new housing for purchase by individual members of a housing cooperative. Types of assistance:guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) Reported under program 14.126.

* Money to Fix Up Your Home(14.142 Property Improvement Loan Insurance for Improving AllExisting Structures and Building of New Nonresidential Structures(Title 1))Director, Title I Insurance DivisionU.S. Department of Housing and Urban Development800-733-4663Washington, DC 20410 202-708-7400Objectives: To facilitate the financing of improvements to homes and other existing structures and the building of new nonresidential structures. Typesof assistance: guaranteed/insured loans. Estimate of annual funds available: (Loans insured including funding for programs 4.110 and 14.162)$1,289,200,000.

* Money to Fix Up Multifamily Projects(14.151 Supplemental Loan Insurance-Multifamily Rental Housing(241(a)))Policies and Procedures DivisionOffice of Insured Multifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20411 202-708-2556Objectives: To finance repairs, additions and improvements to multifamily projects, group practice facilities, hospitals, or nursing homes already insuredby HUD or held by HUD. Major movable equipment for insured nursing homes, group practice facilities or hospitals may be covered by a mortgageunder this program. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Loans) $43,630,000.

* Money to Finance Coop Buildings(14.163 Mortgage Insurance-Single Family Cooperative Housing(203(n)))Director, Single Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To provide insured financing for the purchase of the Corporate Certificate and Occupancy Certificate for a unit in a cooperative housingproject. Ownership of the corporate certificate carries the right to occupy the unit located within the cooperative project. Types of assistance:guaranteed/insured loans. Estimate of annual funds available: Reported under program No. 14.117.

* Money to Investors to Purchase or RefinanceMultifamily Housing(14.155 Mortgage Insurance for the Purchase or Refinancing ofExisting Multifamily Housing Projects (Section 223(f) Insured UnderSection 207))Office of Insured Multifamily Housing DevelopmentPolicies and Procedures DivisionU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2556Objectives: To provide mortgage insurance to lenders for the purchase or refinancing of existing multifamily housing projects, whether conventionallyfinanced or subject to federally insured mortgages at the time of application for mortgage insurance. Types of assistance: guaranteed/insured loans.Estimate of annual funds available: (Mortgages Insured) (Excludes coinsurance) $894,910,000.

* Money to Build Housing for the Elderly ThatAlso Provides Support Services(14.157 Supportive Housing for the Elderly (202))Housing for the Elderly and Handicapped People DivisionOffice of Elderly and Assisted HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2730Objectives: To expand the supply of housing with supportive services for the elderly. Types of assistance: project grants. Estimate of annual fundsavailable: (Reservations for Capital Grants, Rental Assistance and Service Coordinators) $166,300,000.

* Money to Buy a House With Graduated Mortgage Payments(14.159 Section 245 Graduated Payment Mortgage Program)Director, Single Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To facilitate early home ownership for households that expect their incomes to rise. Program allows homeowners to make smaller monthlypayments initially and to increase their size gradually over time. Types of assistance: guaranteed/insured loans. Estimate of annual funds available:(Mortgages Insured - includes 14.172) $414,624,000.

* Money to Buy a Trailer and Trailer Lot(14.162 Mortgagelnsurance-CombmationandManufacturedHomeLot Loans (Title 1))Director, Title I Insurance DivisionU.S. Department of Housing and Urban DevelopmentRoom B-133Washington, DC 20410 202-755-7400Objectives: To make possible reasonable financing for the purchase of a manufactured home and a lot on which to place the home. Types ofassistance: guaranteed/insured loans. Estimate of annual funds available: (Guaranteed/Insured Loans) Reported under program No, 14.110.

* Money to Developers in Financial Trouble(14.164 Operating Assistance for Troubled Multifaroily HousingProjects (Flexible Subsidy Fund) (Troubled Projects))DirectorOffice of Multifamily Housing ManagementU.S. Department of Housing and Urban DevelopmentWashington, DC 20420 202-708-3730Objectives: To provide loans to restore or maintain the physical and financial soundness, to assist in the management and to maintain the low to moderateincome character of certain projects assisted or approved for assistance under the National Housing Act or under the Housing and Urban Development

Actof 1965. Types of assistance: direct payments for specified use. Estimate of annual funds available: (Reservations) $125,000,000

* Money to Buy Houses in Areas Hurt by Defense Cuts(14.165 Mortgage Insurance-Homes-Military Impacted Areas(238(c)))DirectorSingle Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To help families undertake home ownership in military impacted areas. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages Insured) $16,259,000.

* Money for Active Duty Military to Buy Houses(14,166 Mortgage Insurance-Homes for Members of the AimedServices (Section 222))Director, Single Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To help members of the armed services on active duty to purchase a home. Types of assistance: guaranteed/insured loans. Estimate ofannual funds available: (Mortgages Insured) $1,776,000.

* Loans to Developers in Trouble During TheirFirst Two Years of Operation(14.167 Mortgage Insurance-Two Year Operating Loss Loans, Section223(d) (Two Year Operating Loss Loans))For program information:Policies and Procedures DivisionOffice of Insured Multifamily Housing Development U.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-755-2556For management information:DirectorOffice of Multifamily Housing ManagementU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-3730Objectives: To insure a separate loan covering operating losses incurred during the first two years following the date of completion of a multifamilyproject with a HUD-insured first mortgage. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Loans) $19,100,000.

* Money to Buy a Home Using Increased EquityPayments(14.172 Mortgage Insurance-Growing Equity Mortgages (OEMs))Director, Single Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To provide a rapid principal reduction and shorter mortgage term by increasing payments over a IO-year period, thereby expanding housingopportunities to the home buying public. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgagesinsured) Reported under program 14.159.

* Money to Buy a Home Using an Adjustable Rate Mortgage(14.175 Adjustable Rate Mortgages (ARMS))DirectorSingle Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To provide mortgage insurance for an adjustable rate mortgage which offers lenders more assurance of long term profitability than a fixedrate mortgage, while offering consumer protection features. Types of assistance: guaranteed/insured loans. Estimate of annual funds available:Reported under 14.117.

* Money for Nonprofits to Build Houses for Lower-Income Families(14.179 Nehemiah Housing Opportunity Grant Program (NehemiahHousing))Morris E. Carter, DirectorSingle Family Development DivisionU.S. Department of Housing and Urban Development4517th St., SWWashington, DC 20410 202-708-2700Objectives: To provide an opportunity for those families who otherwise would not be financially able to realize their dream of owning a home, toincrease the employment opportunities of the residents in neighborhoods where the housing is proposed and to create sound and attractiveneighborhoods. Types of assistance: project grants. Estimate of annual funds available: (Grants) $16,552,000.

* Money to Invest in Houses for Those With Disabilities(14.181 Supportive Housing for Persons with Disabilities (811))Housing for Elderly and Handicapped People DivisionOffice of Elderly and Assisted HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2730Objectives: To provide for supportive housing and related facilities for persons with disabilities. Types of assistance: project grants. Estimate ofannual funds available: (Reservations for Capital Grants and Rental Assistance) $387,000,000.

* Rental Supplements for Investors Who Provide Houses to Low Income Families(14.182 Lower Income Housing Assistance Program-Section 8 NewConstruction/Substantial Rehabilitation (Section 8 Housing AssistancePayments Program for Very Low Income Families-New Construction/Substantial Rehabilitation))For management information:DirectorOffice of Multifamily Housing ManagementU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-3730Objectives: To aid very low income families in obtaining decent, safe and sanitary rental housing. Types of assistance: direct payments for specifieduse. Estimate of annual funds available: (Outlays for N/SR units under payment) $4,077,884,000.

* Money to Help Elderly Homeowners Convert Their Equity into a Monthly Income(14.183 Home Equity Conversion Mortgages (255))DirectorInsured Family Development DivisionOffice of Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700Objectives: To enable elderly homeowners to convert equity in their homes to monthly streams of income or lines of credit. Types of assistance:guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured): $34,763,000.

* Money for Low Income Housing Tenants to Buy Their Building(14.186 Mortgage Insurance-Equity Loans (241(f) Equity Loans))For program information:Policies and Procedures DivisionOffice of Insured Multifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2556For management information:DirectorOffice of Preservation and Property DispositionU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-3555Objectives: To insure a separate equity loan to owners of eligible low income multifamily properties who wish to extend the low income affordabilityrestrictions or to insure an acquisition loan for select purchasers who will maintain such restrictions. Types of assistance: guaranteed/insured loans.Estimate of annual funds available: (Loans) $53,630,000.

* Grants to Nonprofits Who Lend Money to Low Income Families to Buy Houses(14.240 HOPE for Homeownership of Single Family Homes (Hope 3))Cliff TaffetOffice of Affordable Housing ProgramsU.S. Department of Housing and Urban DevelopmentRoom 7168,4517th St., SWWashington, DC 20410 202-708-3226Objectives: To provide homeownership opportunities to lower income families and individuals by providing grantees with Federal assistance to finance an eligible homebuyer's direct purchase and rehabilitation of eligible single family properties or to fund the grantee's acquisition and rehabilitation of single family properties for sale and occupancy by families at affordable prices. Types of assistance: project grants. Estimate of annual funds available:(Grants) $50,000,000.

* Money for Homes That Use New Building Ideas(14.507 Mortgage Insurance-Experimental Homes (ExTech 233-Homes))Assistant Secretary for Policy Development and ResearchDivision of Innovative TechnologyU.S. Department of Housing and Urban Development451 7th St., SWWashington, DC 20410 202-708-4370Objectives: To help finance the development of homes that incorporate new or untried construction concepts designed to reduce housing costs, raise livingstandards, and improve neighborhood design by providing mortgage insurance. Types of assistance: guaranteed/insured loans. Estimate of annualfunds available: Mortgages are insured and experimental features are guaranteed to the homeowner. No direct funding or subsidies are provided forthe project.

* Money for Doctor's Offices and Hospitals That Use New Building Ideas(14.508Mortgagelnsurance-Experimental Projects Other Than Housing(ExTech 233-Projects Other Than Housing)Assistant Secretary for Policy Development and ResearchDivision of Innovative TechnologyU.S. Department of Housing and Urban Development4517th St., SWWashington, DC 20410 202-708-4370Objectives: To provide mortgage insurance to help finance the development of group medical facilities that incorporate new or untried constructionconcepts intended to reduce construction costs, raise living standards and improve neighborhood design. Typesof assistance: guaranteed/insured loans.Estimate of annual funds available: (Mortgages insured - reported under program No. 14.509).* Money for Apartment Buildings That Use New Ideas(14.509 Mortgage Insurance-Experimental Rental Housing (ExTech233 - Experimental Rental Housing))Assistant Secretary for Policy Development and ResearchDivision of Innovative TechnologyU.S. Department of Housing and Urban Development4517th St., SWWashington, DC 20410 202-708-4370Objectives: To provide mortgage insurance to help finance the development of multifamily housing that incorporates new or untried construction conceptsdesigned to reduce housing costs; raise living standards; and improve neighborhood design. Types of assistance: guaranteed/insured loans. Estimateof annual funds available: Mortgages are insured and experimental features are guaranteed. No funds or subsidies are available.

* Rent Supplements to Building Owners With Tenants That Have Low Incomes(14.856 Lower Income Housing Assistance Program-Section 8

Moderate Rehabilitation (Section 8 Housing Assistance PaymentsProgram for Very Low Income Families-Moderate Rehabilitation))For program information:Office of Assisted HousingRental Assistance DivisionU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-7424Objectives: To aid very low income families and homeless individuals in obtaining decent, safe and sanitary rental housing. Types of assistance: directpayments for specified use. Estimate of annual funds available: (Contract replacements to certificates) $54,000,000.

* More Rent Supplements for Building Owners With Tenants That Have Low Incomes(14.857 Section 8 Rental Certificate Program (Section 8 RentalCertificates))Office of Assisted HousingRental Assistance DivisionU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-0477Objectives: To aid low income families in obtaining decent, safe, and sanitary rental housing. Types of assistance: direct payments for specified use.Estimate of annual funds available: Reported under Program 14.156.

* Grants to Organizations Who Help Low Income Families Buy Houses(14.858 HOPE for Public and Indian Housing Homeownership (HOPEfor Public and Indian Housing (HOPE 1)))Gary Van BuskirkHomeownership Division for Public and Indian HousingU.S. Department of Housing and Urban Development202-708-4233Washington, DC 20410 TDD: 202-708-9300Objectives: To provide homeownership programs for eligible public and Indian housing residents and other low income families through the sale ofeligible public and Indian housing. Types of assistance: project grants. Estimate of annual funds available: (Grants) $266,800,000.

* Money to Have Your State Buy Your Old Farm and Turn It into a Park(15.916 Outdoor Recreation-Acquisition, Development and Planning(Land and Water Conservation Fund Grants))ChiefRecreation Grants DivisionNational Park ServiceU.S. Department of the InteriorP.O. Box 37127Washington, DC 20013-7127 202-343-3700Contact: Sam L. HallObjectives: To provide financial assistance to the States and their political subdivisions for the preparation of Statewide Comprehensive OutdoorRecreation Plans (SCORPs) and acquisition and development of outdoor recreation areas and facilities for the general public, to meet current andfuture needs. Types of assistance: project grants. Estimate of annual funds available: (Grants) $24,750,000.

* Grants to Build Houses on Indian Reservations(15.141 Indian Housing Assistance)ChiefDivision of Housing AssistanceOffice of Tribal ServicesRoom 4640, Main Interior BuildingBureau of Indian Affairs1849 C St., NWWashington, DC 20240 202-208-5427Objectives: To use the Indian Housing Improvement Program (HIP) and Bureau of Indian Affairs resources to substantially eliminate substandardIndian housing. This effort is combined with the Indian Health Service (Department of Health and Human Services). Types of assistance: projectgrants (contracts); dissemination of technical information. Estimate of annual funds available: (Total HIP program costs including grant funding, selfgovernance compact funding, salaries, and expenses) $19,083,000.

* Money for Veterans Who Want to Buy a House(64.114 Veterans Housing-Guaranteed and Insured Loans(VA Home Loans))U.S. Department of Veterans AffairsWashington, DC 20420Objectives: To assist veterans, certain service personnel, and certain unremarried surviving spouses of veterans, in obtaining credit for the

purchase, construction or improvement of homes on more liberal terms than are generally available to non-veterans. Types of assistance:guaranteed/insured loans. Estimate of annual funds available: (Closed Loans Guaranteed) $30,256,320,000.

* Loans for Disabled Veterans to Buy a House(64.118 Veterans Housing-Direct Loans for Disabled Veterans)U.S. Department of Veterans AffairsWashington, DC 20420Objectives: To provide certain severely disabled veterans with direct housing credit in connection with grants for specially adaptive housing with specialfeatures or movable facilities made necessary by the nature of their disabilities. Types of assistance: direct loans. Estimate of annual funds available: (Loans) $33,000.

* Money for Veterans to Buy Mobile Homes(64.119 Veterans Housing-Manufactured Home Loans)U.S. Department of Veterans AffairsWashington, DC 20420Objectives: To assist veterans, servicepersons, and certain unremarried surviving spouses of veterans in obtaining credit for the purchase of amanufactured home on more liberal terms than are available to non-veterans. Types of assistance: guaranteed/insured loans. Estimate of annual fundsavailable: (Guaranteed Loans) $2,557,000.

* Loans for Native American Veterans to Buy orBuild a Home(64.126 Native American Veteran Direct Loan Program(VA Native American Home Loan Program))U.S. Department of Veterans AffairsWashington, DC 20420Objectives: To provide direct loans to certain Native American veterans for the purchase or construction of homes on trust lands. Types of assistance:direct loans. Estimate of annual funds available: (Loans): $11,202,000.

* Grants for Storm Windows or to Weatherize Your Home(81.042 Weatherization Assistance for Low Income Persons)Jeanne Van Viandren, DirectorWeatherization Assistance Programs DivisionMail Stop CE-532Conservation and Renewable EnergyU.S. Department of EnergyForrestal BuildingWashington, DC 20585 202-586-2204Objectives: To insulate the dwellings of low income persons, particularly the elderly and handicapped low income, in order to conserve needed energy andto aid those persons least able to afford higher utility costs. Types of assistance: formula grants. Estimate of annual funds available: $230,000,000.

* Government Subsidized Flood Insurance to Homeowners(83.100 Flood Insurance)James M. RoseFederal Insurance AdministrationFederal Emergency Management AgencyWashington, DC 20472 202-646-2780Objectives: To enable persons to purchase insurance against losses from physical damage to or loss of buildings and or contents therein caused byfloods, mudflow, or flood-related erosion in the United States and to promote wise flood plain management practices in the Nation's flood-prone andmudflow-prone areas. Types of assistance: insurance. Estimate of annual funds available: $808,220,000.

* Money For Nonprofits to Provide Rural Housing Site Loans(10.411 Rural Housing Site Loans(Section 523 and 524 Site Loans))DirectorSingle-Family Housing Processing DivisionFarmers Home AdministrationU.S. Department of AgricultureWashington, DC 20250 202-720-1474Objectives: To assist public or private nonprofit organizations interested in providing sites for housing, to acquire and develop land in rural areas to besubdivided as adequate building sites and sold on a cost development basis to families eligible for low and very low income loans, cooperatives, andbroadly based nonprofit rural rental housing applicants. Types of assistance: direct loans. Estimate of annual funds available: (Loans) $616,000.

* Money to Fix Up Your Home in the Country(10.433 Rural Housing Preservation Grants)Multiple Family Housing Processing DivisionFarmers Home AdministrationU.S. Department of Agriculture

Washington, DC 20250 202-720-1606Objectives: To assist very low and low income rural residents individual homeowners, rental property owners (single/multi-unit) or by providing theconsumer cooperative housing projects (co-ops) the necessary assistance to repair or rehabilitate their dwellings. These objectives will be accomplishedthrough the establishment of repair/rehabilitation, projects run by eligible applicants. This program is intended to make use of and leverage any otheravailable housing programs which provide resources to very low and low income rural residents to bring their dwellings up to development standardTypes of assistance: project grants. Estimate of annual funds availablie rnranlil 121000 000

* Money for Homes for Low Income Indian Families(14.850 Public and Indian Housing)Assistant Secretary for Public and Indian HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-0950Objectives: To provide and operate cost-effective, decent, safe and affordable dwellings for lower income families through an authorized local PublicHousing Agency (PHA) or Indian Housing Authority (IHA). Types of assistance: direct payments for specified use. Estimate of annual fundsavailable: (Includes obligationsfor 14.851, 14.852, 14.853 and 14.854) $0. Indian Development: $263,000,000.

* Loans for Families With Bad Credit Histories(14.140 Mortgage Insurance-Special Credit Risks)For production information:DirectorSingle Family Development DivisionOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2700For management information:DirectorSingle Family Servicing DivisionSecretary-Held and Counseling Services BranchOffice of Insured Single Family HousingU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-1672Objectives: To make homeownership possible for low and moderate income families who cannot meet normal HUD requirements. Types of assistance:guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) $13,000.

* Money to Provide Affordable Rental Housing for Low-Income Families(14.239 HOME Investment Partnerships Program)Gordon McKay, DirectorOffice of Affordable Housing ProgramsCommunity Planning and DevelopmentU.S. Department of Housing and Urban Development4517th St., SWWashington, DC 20410 202-708-2685Objectives: (1) To expand the supply of decent and affordable housing ,particularly rental housing, for low and very low income Americans; (2) Tostrengthen the abilities of State and local governments to design and implement strategies for achieving adequate supplies of decent, affordablehousing; (3) To provide both financial and technical assistance to participating jurisdictions, including the development of model programs fordeveloping affordable low income housing and; (4) To extend and strengthen partnerships among all levels of government and the private sector, includingfor-profit and nonprofit organizations, in the production and operation of affordable housing. Types of assistance: formula grants. Estimate of annualfunds available: (Grants) $1,400,000,000.

* Rental Voucher Program for Low Income Indian Families(14.855 Section 8 Rental Voucher Program)Office of Assisted HousingRental Assistance DivisionU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-0477Objectives: To aid very low income families in obtaining decent, safe, and sanitary rental housing. Types of assistance: direct payments for specifieduse. Estimate of annual funds available' Renorteri under Program 14 177

* Money to Invest in Rental Housing for Lower Income Families(14.856 Lower Income Housing Assistance Program-Section 8Moderate Rehabilitation)For program information:Office of Assisted HousingRental Assistance DivisionU.S. Department of Housing and Urban Development

Washington, DC 20410 202-708-7424Objectives: To aid very low income families in obtaining decent, safe and sanitary rental housing. Types of assistance: direct payments for specifieduse. Estimate of annual funds available: (Contract replacements to certificates) $54,000,000.

* Loans to Investors, Builders, Developers of Affordable Housing(14.189 Qualified Participating Entities QPE Risk Sharing PilotProgram)Policies and Procedures DivisionOffice of Insured Multifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20410 202-708-2556Objectives: Under this program HUD will provide reinsurance on multifamily housing projects whose loans are originated, under-written, serviced, anddisposed of by qualified participating entities (QPEs) and/or its approved lenders, up to 15,00 units through fiscal year 1994. The program is a pilotdesigned to assess the feasibility of risk-sharing partnerships between HUD and QPEs, including Government Sponsored Enterprises, State and localhousing finance agencies, financial institutions and the Federal Housing Finance Board, in providing affordable housing for the nation. Types ofassistance: guaranteed/insured loans. Estimate of annual funds available: $640, 000, 000.

* Money for Developers, Investors, and Builders of Low Income Housing(14.188 HFA Rick Sharing Pilot Program)Policies and Procedures DivisionOffice of Insured Multifamily Housing DevelopmentU.S. Department of Housing and Urban DevelopmentWashington, DC 20412 202-708-2556Objectives: Under this program, HUD will provide full mortgage insurance on multifamily housing projects whose loans are under-written, processed,serviced, and disposed of by HFAs, up to 30,000 units through fiscal year 1995. The program is a pilot designed to assess the feasibility of risk-sharingpartnerships between HUD and qualified State and local Housing Finance Agencies (HFA) in providing affordable housing for the nation. Types ofassistance: guaranteed/insured loans. Estimate of annual funds available: $539,000,000.

Pottstown Mercury Foundation24 North Hanover StreetPottstown, PA 19464P/D: Grants to Children of needy and indigent families in Pottstown, PA for overnight camps, toys and food. Write for guidelines.

Black Student Crisis FundBlack Student FundSuite AG 15-193636 16th Street, N.W., 4th FloorWashington, DC 20010 (202)387-1414P/D: To assist black children in the Washington area facing a short-term financial or social crisis that affects their ability to function adequately in school. Black American families residing in Maryland, Virginia, and the District of Columbia who have emergency short-term needs for food, shelter, or medical care are eligible to apply. Funds are awarded to alleviate short-term crisis only.

Beulah Cliff Rest199 Main Street No. 215 (914)949-4530White Plains, NY 10601-3296P/D: Vacation grants to needy women, young girls, and female invalids in NY. Recommendation must come from a member of the clergy, member of the foundation=s board, or other responsible person known to the foundation. Interviews required. Contact: Hastings Ross, Secretary

Department of Housing and Urban Affairs (HUD)Interest Reduction PaymentsOffice of Multifamily Housing ManagementBurlington HUD OfficeP.O. Box 879 (802)951-6290Burlington, VT 05402P/D: Direct payments to reduce interest payments for low- and moderate- income persons in rental & cooperative housing.

Maine Veterans Financial Assistance GrantsDivision of Veterans ServiceState House Station #117 (207)626-4464Augusta, ME 04333P/D: To provide temporary financial assistance to veterans or the dependents (spouses or children) of disabled veterans in Maine. Eligible veterans must have served honorably during 1 or more of the following federally recognized periods of conflict: World War 1, World War II, Korean Conflict, or Vietnam War. They must have been disabled due to illness or injury. Application for financial assistance under this program may be made by the eligible veteran or the veteran=s dependents. Selection is based on residency (in Maine) and need.

Idaho Veterans Emergency Grant ProgramIdaho Division of Veterans Services

Attn: Office of Veterans Advocacy550 West 6 Fort, Box 044 (208)334-1245 (800)827-1000Boise, ID 83724-0044P/D: To provide emergency assistance to Idaho disabled veterans, wartime veterans, and their families. The limit of $1,000 applies for the lifetime of each veteran or his/her family.

Yellow Brick Road FoundationP.O. Box 13691 (510)568-1985Berkeley, CA 94701P/D: Financial assistance to children who are court dependents in Alameda County, CA. Applications accepted throughout the year. Completion of formal application required. Application forms supplied to welfare workers of court dependent children.Dept. of Housing and Urban Affairs Interest Reduction PaymentsOffice of Multifamily Housing Mangmt.Boston Regional Office10 Causeway Street, Ste. 375Boston, MA 02222 (617)565-5234P/D: Direct payments to reduce interest payments for low- and moderate - income persons in rental & cooperative housing.

New Horizons Foundationc/o Gifford & Dearing700 S. Flower St., Ste.,6E 1222Los Angeles, CA 90017-4160(213)626-4481P/D: Financial assistance to needy Christian Scientists who are over 65 years of age and are residence of Los Angeles, County, CA. Applications accepted throughout the year. Initial approach by letter or telephone. Interviews required.Contact: G. Grant Gifford, President

G. I. V. Benevolent Fund, Inc.P.O. Box 9 (540)223-6300Bastian, VA 24314Application Address:P.O. Box 733 (800)521-7468Wytheville, VA 24382P/D: Relief assistance to families in southwest VA for food, clothing and shelter. Application by letter.Contact: Maryann Blessing

A. F. Mac Pherson Trust(also known as Anonymous Fund)c/o Firstar Bank Madison, N.A.P.O. Box 7900Madison, WI 53707-7900Application Address:c/o Atty. Roger Gierhart, Bell, Metzner, Giehart & Moore, S. C.44 East Mifflin StreetP.O. Box 1807Madison, WI 53701P/D: Assistance to financially needy Protestants in the U.S. and Canada, with preference shown to residents of Madison, WI. Initial approach by letter.

Round Rock Area Serving Ctr. Inc.P.O. Box 1420 (512)244-2431Round Rock, TX 78680-1420P/D: Grants to financially needy residents of Round Rock, TX for assistance in paying basic utility bills. Completion of formal application required.Contact: Mary Poole, Director

Jamey Harless Foundation, Inc.Drawer D (304)664-3227Gilbert, WV 25621P/D: Grants for residents of Gilbert with financial emergencies. Write for guidelines, Formal application required.Contact: Sharon Murphy, Secretary

The Ostberg Foundation, Inc.278 Fountain RoadEnglewood, NJ 07631P/D: Financial aid to elderly and ill individuals, regardless of country of residence. Completion of formal application required.

The Foundationc/o Chapman Bird & Grey1990 Bundy Dr., Suite 200

Los Angeles, CA 90025P/D: Grants for home repairs to low income homeowners in Monmouth County, NJ. Maximum grant is $10,000.00Applications by letter

Milton and Hattie Kutz Foundation100 West 10th Street, Ste. 301Wilmington, DE 19801 (302)427-2100P/D: Grants for residents of Delaware to help pay for child welfare, high education, and living expenses. Write for guidelines.Contact: Bernard L. Siegel, President

Farmers Home Administration451 West Street (413)253-4300Amherst, MA 01002P/D: Grants to help very low income homeowners in rural areas repair or improve their dwellings. Grant receipients must be at least 62 years old and unable to repay loan.George W. Davenport Charitable Trustc/o Fleet Investment Mgmt.One Monarch Pl. MA SP M21 TRUSpringfield, MA 01144P/D: Provides assistance to needy, elderly women or couples residing in Bernardston, Leyden, or Greenfield, MA. Appl.accept.Contact: Thea Katsounakis

Greater Bridgeport Retired Teachers Building Fundc/o Fleet Bank, N.A.915 Main Street, MSN 252Hartford, CT 06103Application Address:c/o Wanda Dick,17 Channing RoadTrumbull, CT 06611P/D: Grants to retired teachers of the Greater Bridgeport, CT area. Initial approach by letter outlining reason for financial need and including a doctors statement. Contact: Wanda Dick

Kentucky Housing Corp.1231 Louisville Road (502)564-7630Frankfort, KY 40601P/D: Grants to rural elderly to install indoor plumbing, and energy repairs. Write for guidelines

Blanch Fischer Foundation1001 SW Fifth Ave., Suite 1550Portland, OR 97204 (503)323-9111P/D: Grants for physically disabled residents of Oregon who can demonstrate financial need. Formal application required. Write for guidelines.Contact: William K. Shepherd, President

Reade Industrial Fundc/o Harris Trust & Saving BankP.O. Box 755 (312)461-7482111 West Monroe StreetChicago, IL 60690P/D: Grants for individuals who have been or are employed in industries in Illinois and who by reasons beyond their control, such as job loss, illness, injury, etc. cannot care for themselves or their families. Write for guidelines; formal application required.Contact: Ronald F. Tuite, JR.

The GRT Foundation, Inc.1704 Thomasville Road, No. 194Tallahassee, FL 32303P/D: Assistance to physically disabled individuals, primarily those who are residents of FL. Application not accepted. Write for guidelines.

Joseph & Caroline Gruss Gemilath Chesed Fund1650 56 Street (718)871-2500Brooklyn, NY 11204P/D: Loans to needy individuals. Contactfund for current application deadline and procedures.

Grace A. Gossens Testamentary TrustOne Sea Gate, 24th Fl.P.O. Box 10032Toledo, OH 43604

Application Address:c/o Alice J. Servais, Trustee,416 West Wayne Street (419)893-8603Maumee, OH 43537P/D: Relief assistance to elderly women living in rest homes, in the Maumee, OH area. Applications by letter outlining financial need. Contact: Ralph S. Boggs

Teresa F. Hughes Trustc/o Hawaiian Trust Co. Ltd.P.O. Box 3170Honolulu, HI 96802Application Address:c/o Hawaii Community Foundation900 Fort Street, Mall, Ste. 1300Honolulu, HI 96813 (808)566-5570P/D: Giving to financially needy HI residents who are orphans, half-orphans (neglected or abused). Children born out of wedlock, or indigent or infirmed adults over the age 50. Completion of formal application required.Contact: Karen K. White, Hawaiian Trust.

Fort Collins Area Community Found.215 West Oak Street, Suite 102Fort Collins, CO 80521 (303)224-3462P/D: Grants for residents of Larimer and Weld counties who can demonstrate financial need. Write letter and proposal, six copies of proposal required.Contact: Diane M. Hogerty, Exec. Dir.

William A. Roberts Trust F/B/O Orphan, Children of Chase Cityc/o Central Fidelity Bank, Trust Departmt.828 Main StreetLynchburg, VA 24504P/D: Grants for orphan children of Chase City who can demonstrate financial need. Write letter describing needs of applicant.

Sunnyside Foundation, Inc.8222 Douglas Ave., No. 501Dallas, TX 75225-5936 (214)692-5686P/D: Grants and camperships to under privileged Christian Science children under the age of 20, who regularly attend Christian Science Sunday schools and reside in Texas to provide for their physical moral and spiritual needs. Completion of formal application required, including Sunday school info. & parents financial info. Contact: Joan Mc Clendon, Exec. Dir.

Oshkosh Foundation404 North Main StreetP.O. Box 1726 (414) 426-3993Oshkosh, WI 54902P/D: Grants for residents of Oshkosh who have financial needs. Contact: Sandra A. Noe, Trust Officer

Washington Women in Need1595 N. W. Gilman Blvd. No. 5Issaquah, WA 98027 (206)391-4585P/D: Grants to financially needy women who reside in WA, for health care and emergency services. Completion of formal application requiredContact: Coleen Crowley, Exec. Dir.

Hill Stump Disaster Charitable Trustc/o First Community BankP.O. Box 950, Bluefield, WV 24701Application Address:c/o First Community Bank, Trust Dept.P.O. Box 280 (304) 472-1112P/D: Emergency aid to residents of Upshur County, WV who have suffered loss due to a natural disaster such as fire, flood, or storm. Applications accepted throughout the year. Completion of formal application required.

A.L. Johnson Charitable Trustc/o First Fidelity Bank, N.A. PABroad & Walnut StreetsPhiladelphia, PA 19109P/D: Financial assistance to the deserving poor of Bristol Borough, Bristol, PA. In the past, the Trust has provided the following types of assistance: clothes, rent, food and utilities. Application by letter including a complete detailed history of problems.Contact: Fay Potter, V.P. First Fidelity BK.

Walter G. Ross Foundationc/o ASB Capital Management Inc.1101 Pennsylvania Ave. NW, 3rd floorWashington, DC 20004P/D: Grants to support family services and child welfare and development for the disadvantaged in the Washington, DC area. Application form not required, send letter and one proposal.Contact: Scott Amling

Farmers Home Administration210 Walnut St. Rm. 873 (515)284-4663Des Moines, IA 50309P/D: Grants to assist very low & low income rural homeowners to repair or re-habilitate their housing.

Farmers ome Administration (FMHA)P.O. Box 2778 (501)324-6281Little Rock, AR 72203P/D: Grants to help very low income homeowners in rural areas repair or improve their dwellings. Grant Recipients must be at least 62 years old and unable to repay loan.

Thomas Taylor Poor Fundc/o Midlantic Bank N.A.Metro Park PlazaEdison, NJ 08818Application Address:c/o Walter W. Henkel, V.P.Continental Bank, Main & Swede StreetsNorristown, PA 19404P/D: Assistance to the most worthy and deserving of the borough of Pottstown, PA. All requests for assistance must come through a social agency or church. Write for guidelines.

Portland Seamen=s Friend Society14 Lewis StreetWestbrook, ME 04092P/D: Financial assistance in the form of a small monthly stipend to indigent seamen who reside in the state of Maine. Application by letter outlining financial need and including references. Interviews required. Contact: Lewis G. Emery, Treas.

Haugse Cossey FoundationP.O. Box 2833Boise, ID 83700Application Address:P.O. Box 828 (208) 343-7514Boise, ID 83701P/D: Grants for needy individuals. Call or write for guidelines and program information. Limited to Boise, ID. Area.Contact: William A. Hon, Trustee

Battered Women=s AssistanceP.O. Box 1119 (408) 426-2111Santa Cruz, CA 95061P/D: Financial assistance and volunteer guidance to battered women and children in Santa Cruz County, CA. Completion of formal application required.Contact: Marsha B. Shanle, Secy. Treas.

Newburyport Howard Benenolent Soc.P.O. Box Nine (508) 465-9147Newburyport, MA 01950P/D: Financial assistance to low-income families in Newburyport, MA. Call for guidelines. Larrabee Fund Associationc/o Fleet National Bank65 La Salle Road (860)728-2664West Hartford, CT 06107P/D: Relief assistance to indigent women in the Hartford, CT area only. Apply at any church in the Hartford, CT area.Contact: Kathy Mc Lanahan, Trust Officer

Farmers Home AdministrationFederal Bldg. 517 Gold Ave., SW Rm.3414 (505)766-2462Albuquerque, NM 87102P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing.

P. H. P., Inc.P.O. Box 319Hopkinsville, KY 42240P/D: Medical expenses and household utility payments to financially needy individuals. Contact foundation for current application guidelines.Contact: William P. Munday, President

Scottish Rite Oregon Consistory Almoner Fund, Inc.709 S. W. 15th Ave., (503) 228-9405Portland, OR 97205P/D: Relief Assistance to distressed Masons and their widows and orphans living in the state of OR. Applications by letter indicating reason for request.Contact: Walter L. Peters, Exec. Dir.

Gore Family Memorial Foundationc/o Sun Trust Bank, Central Florida, N.A.501 E. Las Olas Blvd.Fort Lauderdale, FL 33301P/D: Relief assistance to financially needy and physically disabled residents of Broward County, FL. Grants are awarded to assist individuals with medical expenses, equipment for the physically disabled, and housing and transportation costs. Initial approach by letter.

Townsend Aid for the Aged8 Eadie StreetNewport, RI 02840P/D: Grants for older residents of Newport who can demonstrate financial need. An advisory committee initiates the application process. Write for details. Contact: Helen S. Tennant, President

Virginia Gay Fundc/o National City Bank, Columbus155 East Broad StreetColumbus, OH 43251Application Address:750 Brooksedge Blvd., Suite 104Westerville, OH 43081P/D: Relief assistance to retired, elderly female schoolteachers in OH. Completion of formal application required including financial statement and three references. Write for guidelines.

Farmers Home AdministrationP.O. Box 850 (406)585-2580Bozeman, MT 59771P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing.

The Hawaii Community Foundation900 Fort Street Mall, Suite 1300Honolulu, HI 96813 (808)537-6333P/D: Assistance for residents of Hawaii who can demonstrate financial need. (Winnifred D. Robertson Fund - one time assistance to adult residents of Oahu, Alice M. G. Soper Fund - one time assistance to adults 50 or older with illness or disability) Call first, formal application required.Contact: Jane Renfro Smith, C.E.O. & Prs.

Colorado Masons Benevolent Fund Assc.7955 Arapahoe Court, Suite 1200Englewood, CO (303)837-0367P/D: Grants for Colorado Masonic lodge members and their families who are in financial distress. Write or call local members= lodge.Contact: Local Lodge in Colorado

Farmers Home AdministrationP.O. Box 830 (307)261-5271Casper, WY 82602P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing.

Trolinger Trustc/o Crestar Bank, N.A.P.O. Box 27385, Trust-HDQ 5905Richmond, VA 23261-7385Application Address:P.O. Box 3064, First St. StationRadford, VA 24141P/D: Financial assistance to residents of Montgomery Cty., and Radford, VA and other southwestern VA counties and cities. Initial Approach by letter.Contact: John I. Barton, Chair.

Wisconsin Easter Star Foundation, Inc.

5829 West Wisconsin AvenueWauwatosa, WI 53213Application Address:c/o M. J. Kimber, W336 Golden Park Cir.Oconomowoc, WI 53066P/D: Relief assistance to members of Eastern Star chapters in WI. Completion of formal application required.

Charles Meyer Trustc/o U.S. National BankP.O. Box 179Galveston, TX 77553Application Address:c/o Rabbi, Temple B=nal Isreal3008 Avenue OGalveston, TX 77550P/D: Grants to underprivileged Jewish residents of Galveston, TX. Application by letter outlining financial need and indicating Jewish faith and residence.

The Eaton Fund, Inc.c/o Mercantile-Safe Deposit & Trust Co.Two Hopkins Plaza (410)237-5552Baltimore, MD 21201P/D: Grants for female residents of Baltimore who are 60 or older and can demonstrate financial need. Write for guidelines. Contact: Donna Davis

Harriet Mc Daniel Marshall Trust in Memory of Sanders Mc Danielc/o Trust Co. BankP.O. Box 4418 (404) 588-8246Atlanta, GA 30302P/D: Grants for organizations of Metropolitan Atlanta for assisting the disadvantaged. Formal application required. Send letter and one proposal.Contact: William R. Bowdion, SecretaryCarrie Welch TrustP.O. Box 244Walla Walla, WA 99362P/D: Grants for residents of Washington State, particularly the elderly in Walla Walla County, who can demonstrate financial need. Write for guidelines.Contact: George Conkey

Nehemiah Housing Oppt. Grant Prog.Single Family Housing Development Div.Salt Lake City HUD Office257 Tower Bldg., 257 E. 200 SouthSalt Lake City, UT 84111 (801)524-5379P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home.

Tom C. Smith Charitable TrustP.O. Box 1216 (304)523-3424Huntington, WV 25714-1216P/D: Emergency aid and assistance to financially needy residents of Chesapeake, OH and Huntington, WV. Initial approach by letter or telephone. Contact: Don Carrohan, Principal Mgr.

Farmers Home Administration634 South Bailey, Ste. 103Palmer, AK 99645 (907)745-2176P/D: Grants to help very low income homeowners in rural areas repair or improve their housing. Grants recipients must be at least 62 years old and unable to repay a loan.

William A. Morse Fundc/o The Stratevest Group, N.A.P.O. Box 812, 215 Main StreetBrattleboro, VT 05302Application Address:c/o Dora Powers, RR2 Box 239-DWest Brattleboro, VT 05301 orFrederick Jenness, Box 14Newfane, VT 05351P/D: Grants are given to help pay for medical treatment and prescriptions, dental expenses, childcare, summer camp, and educational expenses. Write for guidelines.

French Benevolent Society of PAc/o First Fidelity Bank, N.A. PABroad and Walnut StreetsPhiladelphia, PA 19109Application Address:1301 Medical Arts Bldg., 1601 Walnut St.Philadelphia, PA 19102 (215)563-3276P/D: Aid to persons of French extraction reduced to want by misfortune, age or illnesses. Preference is given in the following order: persons of French birth, of French born parents, of French extraction. Limited to residents of the Philadelphia, PA metropolitan area. Completion of formal application required.

Herman and Hazel Owen FoundationP.O. Box 1366 (601) 328-2316Columbus, MS 39703P/D: Welfare assistance to indigent residents of Lowndes County, MS and to individuals residing within 50 miles of Columbus, MS. Contact: Marjorie Bowden

Nehemiah Housing Oppt. Grant Prog.Single Family Housing Devel. DivisionWashington, DC HUD Office820 First St., NE (202) 275-9200Washington, DC 20002P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home.

John T. Hollingsworthc/o Hemlock Friends ChurchP.O. Box 117Hemlock, IN 46937P/D: Financial assistance to needy individuals residing in Hemlock and Kokomo, IN. Write for guidelines.

Brockway Foundation for the Needy of the Village and Township of Homer, NYc/o Key Bank25 S. Main St., Homer, NY 13077-1314Application Address:c/o Jean Alexander112 S. Main St., Homer, NY 13077P/D: Financial assistance only to needy residents of the Homer, NY area. Applications by letter. Contact: M. Lee Swartwout

Several Sources Foundation, Inc.300 Airmount AvenueRamsey, NJ 07446-1289P/D: Shelter, food, and clothing the New York City metropolitan area for mothers, and their babies, and for poor inner-city children who are at risk or afflicted with AIDS. Also provides guidance and assistance to young women in obtaining the various items of public assistance that are available. Write for guidelines.

Anita Card Montgomery Foundation20 Mechanic StreetCamden, ME 04843-1707P/D: Grants for residents of Camden, Rockport, Linconville, and Hope with financial needs. Write for guidelines, formal application required.Contact: Julia L. Libby, President

Margaret W. Reed FoundationP.O. Box A (208) 664-2161Coeur d=Alene, ID 83814P/D: Grants for charitable giving primarily in the northwestern United States, with emphasis on Idaho and Washington. Write letter. Contact: Scott W. Reed, Trustee

All Culture Friendship Center Refugee and Immigration Services5250 Santa Monica Blvd. (213)667-0489Los Angeles, CA 90029P/D: Grants for immigrants and refugees who are residents of California, to help pay general living expenses, and social services. Write or call for guidelines.

Security Benefit Life Insurance Co. Charitable Trust700 SW Harrison Street (913)295-3000Topeka, KS 66636P/D: Grants and employee matching funds for women, youth, disadvantaged, and homeless who are residents of Topeka. Write letter. Contact: Howard

R. Fricke

Nehemiah Housing Oppt. Grant Program.New San Juan Office Bldg.159 Carlos Chardon Ave.,San Juan, PR 00918 (809) 498-5201P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home. Farmers Home Administration1390 S. Curry St. (702) 887-1222Carson City, NV 89703P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing.

Massachusetts Charitable Fire Societyc/o M. Forbes & Co.79 Milk StreetBoston, MA 02109P/D: Giving limited to the Boston, MA area for individuals who have suffered the tragedy of fire loss and require assistance in replacing necessities. Application should include a description of the event giving rise to the need and the specific items for which relief is requested.Contact: Julian Crocker

Horace C. Hurlbutt Memorial Fundc/o Westport Bank & Trust Co.P.O. Box 5177Westport, CT 06881P/D: Grants to financially needy individuals of Westport, CT. Previous grants have been given for attendance at an after-school program, medical expenses, and rent assistance.

Nehemiah Housing Opportunity Grant Program Single Family Housing Dev. DivAlbuquerque HUD Office625 Truman Street NE (505)262-6463Albuquerque, NM 87110P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home.

The Sidney W. Eline, Sr. Memorial Foundation, Inc.4629 Beaver Road (502)896-0524Louisville, KY 40207P/D: Financial assistance primarily to residents of Louisville, KY. Assistance is given for food, rent and other living expenses. Application by letter.Contact: Sidney W. Eline, Jr. President

Friendly Hills Foundation, Inc.17602 S W Richmond WayBeaverton, OR 97006Application Address:c/o Dr. Richard N. Ozemghar, V.P.7501 Palm Avenue Sp. 177Yucca Valley, CA 92284P/D: Assistance to financially needy Christian Scientists living in the Southern CA area. Application by letter. Contact: Harold Faunt, Treas.

Nehemiah Housing Oppt. Grant Prog.Single Family Housing Development Division Omaha HUD Office.10909 Mill Valley RoadOmaha, NE 68154 (402)492-3101P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home.

Swiss Benevolent Society of Chicago6440 North Bosworth AvenueChicago, IL 60625P/D: Relief assistance to financially needy or elderly Chicago area residents of Swiss descent or nationality. Phone for guidelines

Alfred I. Du Pont FoundationP.O. Box 1380 (904)396-6600Jacksonville, FL 32201P/D: Grants awarded to the needy elderly whose other sources of income are inadequate. The majority of those receiving grants are experiencing extreme hardship and require health, economic or education assistance. Initial approach by letter. Completion of formal application required. Contact: Rosemary C. Willis

Robert B. Cranston - Theophilus T. Pitman Fund55 Memorial Blvd. (401)847-0217Newport, RI 02840P/D: Grants for older residents of Newport County who have financial needs, and other living expenses. Formal application required. Contact: V. AZ. Harvey, Trustee

Hugh A. Fraser Fundc/o Huntington Trust Co. N.A.P.O. Box 1558, HC 1012Columbus, OH 43216Application Address:c/o Richard L. StephensonNew Philadelphia Lions ClubNew Philadelphia, OH 44663P/D: Grants to financially needy children who are residents of Tuscarawas County, OH. Grants are given for speech therapy, medicine, hospital costs, shoes, summer camp, and other expenses.

Nehemiah Housing Opportunity Grant Program Single Family Housing Development DivisionHelena HUD Office, Federal Office Bldg.301 S. Park, Rm 340, Drawer 10095Helena, MT 59626 (406) 449-5205P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home.

The George E. Isaacs FoundationP.O. Box 879 (808) 889-6102Kapaau, HI 96755P/D: Grants for elderly individuals in Hawaii to help with payments for general costs, boarding home or day care costs, rent, transportation, drug bills, etc. Call or write for guidelines and program information. Formal application required.Contact: George E. Isaacs, President

Sheftal and Miriam FoundationP.O. Box 5850 (303)295-2323Denver, CO 80217P/D: Financial assistance to indigent persons living in CO, NY, NJ, MD and Israel. Contact foundation for current application guidelines.Contact: Sheldon K. Beren, President

Lorraine Mulberger Foundation, Inc.c/o Burch & Cracciolo702 East Osborn (602) 274-7611Phoenix, AZ 85014P/D: Residents of AZ who can demonstrate financial need. Contact: Andrew Abraham.

Precious Moments FoundationP.O. Box 802Carthage, MO 64836P/D: Grants to financially needy U.S. citizens for general welfare support. Some grants are made to foreign individuals, especially residents of the Phillipines. Completion of formal application required.

B.F. and Rose H. Perkins FoundationP.O. Box 1064 (307) 674-8871Sheridan, WY 82801P/D: Financial assistance to individuals who are from 2 to 20 years of age and have been residents of Sheridan County, WY for the last two consecutive years. Completion of formal application required. Application forms available from the above address.Contact: Donna B. Rawlings, Mgr.

St. Paul=s Church Homec/o Hunton & Williams, Riverfront Plaza,East Tower, (804) 788-8408951 East Byrd StreetRichmond, VA 23219-4074Application Address;c/o Elizabeth Moreau, VP1314 Loch Lomont LaneRichmond, VA 23221 (804)358-6153P/D: Grants to minors (under age 18) in the Richmond, VA metropolitan area for care, maintenance and education. Grants for care, maintenance and medical and hospital expenses to any destitute sick person in Richmond, VA without regard to age. Initial approach by letter outlining financial need. Completion of formal application required, including financial statement and three references.Contact; Mark S. Dray, Esq. Secy.

The Arch L. Ferguson Foundation, Inc.601 East Abram StreetP.O. Box 1839Arlington, TX 76010P/D: Grants to financially needy Protestants primarily in Arlington, TX. Aid is also given to ministers and retired ministers. Write for guidelines.

Society for the Relief of Families of Deceased and Disabled Members of the Medical Profession of the State of S.C.19 Guerard RoadCharleston, SC 28407P/D: Grants for families of deceased or disabled doctors in SC. Families do not have to be residents of SC. Committee selects applicants.Contact: Ray Investor, MD

Gilmore Foundationc/o Old Kent Bank300 Old Kent Bank Bldg.Grand Rapids, MI 49503P/D: Financial assistance to extremely low-income residents of the Kalamazoo, MI area who are unable to care for themselves due to physical limitations or advanced age. Complete of formal application required.

Theodore and Catherine Schulte Found.c/o Bank One Wisconsin Trust Co., N.A.P.O. Box 1308Milwaukee, WI 53201Application Address:Dan OderkirkP.O. Box 221 (414) 633-8201Racine, WI 53408P/D: Housing allowances for retired Catholic priests from Racine, WI. Initial approach by letter.

Fleisher-Jacobson International Children=s Education Foundation, Inc.P.O. Box 5658Baltimore, MD 21210P/D: Programs operated by the Foundation to provide financially needy school children with tuition, books, and related expenses, academic tutoring, transportation to school and tutoring, clothing and living expenses. Write for application. Contact: Katherine Jacobson

Pine Mountain Benevolent Foundation630 Hopewell Church RoadPine Mountain, GA 31822P/D: Grants for residents of Georgia who can demonstrate financial need. Write for guidelines. Contact: Cason J. Callaway, Jr.

Whatcom Foundation, Inc.Bellingham National Bank Bldg.Rm 423 (360)733-9511Bellingham, WA 98225P/D: Grants to financially needy individuals who have lived in Whatcom County, WA for two years, for rent, food, utilities, medical care, and clothing. Completion of formal application required, Interview required. Call for guidelines. Contact: Linda Lee

Copley FundP.O. Box 696Morrisville, VT 05661P/D: Grants for older residents of Lamoille County, for housing expenses. Write for guidelines. Contact: Richard Sargent, Trust.

Farmers Home Administration (FMHA)Federal Building (801)524-4063125 S. State Street, Room 5438Salt Lake City, UT 84138 P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing.

Human Aid Society of Iowa317 Sixth Street, Suite 400Des Moines, IA 50309P/D: Grants for individuals with financial needs or who need food, clothing and other material goods. Write for guidelines, include information on applicant=s need and situation. Contact: Joseph S. Brick, President

The Roy Chambers Foundation1358 National Road (304)242-8410Wheeling, WV 26003P/D: Grants to needy children of Ohio County WV for general welfare, including eye care, clothing, school supplies and sports camp. Completion of formal application required. Contact: Linda M. Borda, Trustee

The Quarter Century Fundc/o International Paper Co.6400 Poplar Ave., Tax Dept.Memphis, TN 38197-0001P/D: Grants are given upon recommendation from clergy, relatives, or others who have knowledge of the individuals plight.Contact: John J. Dillon, Secy.

Nehemiah Housing Opportunity Grant Program Sioux Falls HUD Office2400 W. 49th Street, Ste. 1-201Sioux Falls, SD 57105 (605)330-4223P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home.

Charles and Betty Degenstein Found.c/o First National Trust Bank400 Market StreetSunbury, PA 17801P/D: Emergency assistance to residents of Snyder, Union and Northumberland Counties, PA. Completion of formal application required.

Mary R. Martin Trust 1Union Street, P.O. Box 545Wolfeboro, NH 03894-0273(603)569-3484P/D: Aid to financially, needy residents of Wolfeboro, NH. Completion of formal application required. Contact: Philip J. Ganem, Trustee

D.W. Mc Millan Foundation329 Belleville Avenue (334)867-4881Brewton, AL 36426P/D: Grants for organizations and residents of Escambia County, to help pay for general living expenses. Write for Guideline. Contact: Ed Leigh McMillanII Managing Trustee

Farmers Home AdministrationFederal Building (517)337-6635100 West Capitol, Ste. 200East Lansing, MI 48823P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing.

Buckly Charity Fund of Federal Lodge No. 11212 Wisconsin Avenue, NWWashington, DC 20007Application Address:7015 Leesville RoadSpringfield, VA 22151P/D: Grants for widows, and orphans of deceased former members of Federal Masonic Lodge No. 1. Write letter to Trustees showing financial needs upon death of husband. Contact: Willard E. Griffing

VFW Charitable Trust422 East Brandon DriveBismarck, ND 58501P/D: Medical assistance to veterans from ND. Application by letter outlining financial need. Contact; Richard Grenz, Secretary

Cora Lembre Trustc/o First National Bank Trust Dept.P.O. Box 2147Valparaiso, IN 46384P/D: Financial assistance to elderly women who are residents of Porter County, IN.Application by letter stating need and financial situation.

The Bagby Foundation for the Musical Arts, Inc.501 Fifth Ave., Suite 1401New York, NY 10017P/D: Grants for pensions and emergency aid to aged needy individuals who have aided the world of music. Applications in writing, explaining why assistance is required. Contact: Eleanor C. Mark, Exec. Dir.

Pruden Foundationc/o United Counties Trust Company30 Maple Street (201) 522-5410Summit, NJ 07901-9512

P/D: Grants to alleviate suffering and promote the welfare of blind persons in Elizabeth, NJ. Application by letter giving particulars and physicians certificate regarding blindness. Contact: Janet Poland, V.P. & Trust Offc.

Bangor Fuel SocietyP.O. Box 39Brooksville, ME 04317Application Address:c/o Dorothy M. Jones146 West BroadwayBanfor, ME 04401 (207)945-0749P/D: Deliveries of fuel to low income residents of Bangor, ME. Applications accepted by telephone. Contact: Franklin W. Eaton, Secy-Treas.

A.P. and Louise Rouch Boys Foundationc/o First Security Bank of Idaho, N.A.P.O. Box 7 (208) 736-1207Twin Falls, ID 83303-0007P/D: Relief assistance to financially needy children in the Twin Falls, ID area. Assistance is given for clothing, medical care, and summer camp fees. Phone for guidelines.

Rivendell Stewards= TrustP.O. Box 3037Santa Barbara, CA 93130P/D: Grants to financially needy individuals who work with the Christian Church. Completion of formal application required, including financial statement.

Holland Lodge Foundation, Inc.71 W. 23rd Street (212)675-0323New York, NY 10010P/D: Relief grants for the elderly and the young primarily in New York, NY. Appl. by letter outlining financial need and reason for assistance.

Sidwell Charitable Trust119 East Ninth Street, P.O. Box 754Winfield, KS 67156 (316)221-4600P/D: Grants to financially needy individuals over the age of 60 who reside in Winfield, KS. Completion of formal application required, including personal statement. Contact: Kay Roberts Light, Dir

Farmers Home AdministrationG.P.O. Box 6106G (809)766-5095Hato Rey, PR 00918P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing.

Borkee-Hagley Foundation, Inc.P.O. Box 4580 (302)652-8616P/D: Grants for elderly and for individuals who are residents of Delaware, to help pay for housing expenses. Write letter, formal application required.Contact: Henry H. Silliman, Jr. President

Nehemiah Housing Oppt. Grant Prog.Single Family Housing Development Div.Reno HUD OfficeP.O. Box 30050 (702) 784-5356Reno, NV 89502Application Address:Las Vegas HUD Office1500 East Tropicana Avenue, Suite 205Las Vegas, NV 89119P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home.

Broadcasters Foundation, Inc.296 Old Church RoadGreenwich, CT 06830P/D: Financial assistance to needy members of the broadcast industry. Grants are paid directly to the individual for his or her general welfare. The foundation does not pay any bill directly. Completion of formal application required.

New Mexico State Housing Authority1100 St. Francis Dr. (505) 827-0258Santa Fe, NM 87503P/D: Rehabilitation grants for low income elderly, handicapped, and disabled home owners. Write for guidelines.

Fred (B.A.) Batterton Fund

c/o Kentucky BankP.O. Box 157 (606) 987-3640Paris, KY 40362P/D: Grants to residents of Bourbon Cty., KY for medical expenses. Applications. accepted..

Louis G. and Elizabeth L. Clarke Endowment Fundc/o Scottish Rite Temple709 S.W. 15th Avenue (503)228-9405Portland, OR 97205P/D: Medical expenses, assistance to financially needy Masons and their wives, widows, and daughters requiring hospitalization in any hospital in the Portland, OR metropolitan area. (Multnomah, Clackamas, and Washington counties) Recipients must be residents of OR. Contact foundation for current application guidelines.

Farmers Home AdministrationFederal Building (402) 437-5551100 Centennial Mall, Rm.308Lincoln, NE 68508P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing.

Reginald Coeli Foundation, Inc.739 North Lake St.Mundelein, IL 60060P/D: Financial assistance to disadvantaged individuals residing in the Chicago, IL area. In the past grants have been given for medical assistance, hardship assistance, and special counseling. Application by letter outlining financial need.Contact: Rev. John R. Hoffman, President

C.S.I. Foundation, Inc.515 E. Lasolas Blvd., Ste. 1600Fort Lauderdale, FL 33301-2268P/D: Medical expenses, insurance premiums and provision of legal services to indigent victims of AIDS in FL whose carriers wrongly refuse to pay claims. Initial approach by mail. Contact: William M. Reiter, M.D. Pres.

Providence Female Charitable Society87 Don Avenue (401) 434-8555Rumford, RI 02916P/D: Assistance to financially needy women who are residents of RI. Types of assistance include the purchase of clothing, furniture, dentures, and hearing aids, and the costs of home repairs and nursing home aids. Initial approach by telephone or letter outlining financial need. Contact: Mrs. Charles E. Gross, Tres

Columbus Female Benevolent Society1234 E. Broad StreetColumbus, OH 43205Application Address:c/o Mrs. J. Richard Briggs, Treas.228 South Drexel AvenueColumbus, OH 43209P/D: Direct aid on a regular, special, or temporary basis to pensioned widows who are residents of Franklin County, OH. All recipients are referred by local people who are familiar with their circumstances.

God=s Love Inc.533 North Main Streeet (506)442-7000Helena, MT 59601P/D: Welfare assistance primarily to indigent individuals and families residing in Helena, MT for lodging, food, hygiene, clothing, and other expenses. Applications accepted throughout the year. Application by letter or telephone outlining financial need. Contact: Ann E. Miller, Director

Hawaii Community Foundation900 Fort St. Mall, Suite 1300Honolulu, HI 96813 (808)556-5570P/D: Assistance to individuals in need living in Hawaii. Initial approach by telephone; completion of formal application required. The Foundation administers the following six funds for residents of Hawaii in need:1. May Templeton Hopper Fund: Provides assistance to HI=s aged men and women in order to help them maintain independence and dignity.2. Abraham & Annie Lau Children=s Fund: Provides support to needy children in Hawaii.3. James & Winifred D. Robertson FundProvides assistance for the comfort and relief of needy individuals on Oahu.4. Irving L. Sing Fund: Provides assistance to needy and poor people of Hawaiian descent.5. Alice M. G. Soper Fund: Provides assistance to defray all reasonable expenses of the aged who are sick, infirmed, or helpless and without adequate means.6. Kitaro Watanable Fund: Provides assistance to needy children in Hawaii, particularly those who are sick or in life threatening situations.Contact: Jane Renfro Smith, President

Fax No: (808) 521-6286

Effie H. and Edward H. Curtis Trust Fdc/o Norwest Bank Fort Collins, N.A.1740 Broadway, No. 8681Denver, CO 80274 (970)490-6240Application Address:c/o Jean-DeGrave, Norwest Bank Fort Collins, N.A.401 South CollegeFort Collins, CO 80522P/D: Grants to permanent residents of Larimer County, CO who are under 18 years of age and in need of emergency medical and dental assistance. Completion of formal application required, including itemized bills and estimated of pre-approvals from the attending physician, and a copy of applicant=s latest tax return.

Hanna R. Kristianson TrustP.O. Box 1011Albert Lea, MN 56007Application Address:Clarks Grove, MN 56016 (507)256-4415P/D: Grants for residents of Freeborn County over 50 who can demonstrate financial need. Write for guidelines. Contact: Richard S. Haug, Trustee

Lyon Foundation, Inc.P.O. Box 5308 (501)376-2116Little Rock , AR 72119P/D: Grants for residents of Arkansas who can demonstrate financial need. Letter and proposal, include background information. Contact: Paul E. Moore

Ian Calkins Boardc/o Boatmen=s First National Bank of Kansas City, 14 West 10th StreetP.O. Box 419119Kansas City, MO 64141-6119P/D: Welfare assistance to financially needy elderly residents of Kansas City, MO. Write for guidelines. Contact: David P. Ross Sr. V.P.

Nehemiah Housing Oppt. Grant Program.Single Family Housing Dev. DivisionCasper HUD OfficeP.O. Box 120 (307) 261-5252Casper, WY 82602P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home.

Della Lucille Hazelton Charitable Trustc/o First Interstate Bank of Arizona, N.A.P.O. Box 53436, Phoenix, AZ 85072-3436P/D: Financial assistance to Native Americans who are residents of AZ & MT.

Agnes C. Robinson Trustc/o Crestar Bank, N.A., Trust Tax Svcs.,P.O. Box 27385 (202) 879-6339Richmond, VA 23261-7385Application Address:c/o Lori Anne Caumeil, Crestar Bank, NA1445 New York Ave., N.W.Washington, DC 20005 (202)879-6339P/D: Financial assistance to the needy in the metropolitan Washington, DC area, including MD and VA, Application by letter outlining financial need.

The Forbes Kirkside Foundation, Inc.Five Adams Street, (508) 366-0511Westboro, MA 01581P/D: Personal aid grants to residents and former residents of Westboro, MA. Applications by proposal. Contact: Scott Sargent, Treas.

Graham Memorial FundP.O. Box 533 (803) 479-6824Bennettsville, SC 19512Application Address:308 West Main StreetBennettsville, SC 19512P/D: Grants for needy residents of Bennettsville. Formal application required. Contact: Chairperson

The Barstow Foundation

c/o Chemical Bank333 East Main Street, (517) 631-9200Midland, MI 48640P/D: Grants for organizations in Michigan, primarily for the disadvantaged of the community. Application form not required, send two copies of proposal.Contact: Bruce M. Groom, Senior VP Chemical Bank

Edward Rutledge Charity404 North Bridge StreetChippewa Falls, WI 54729Application Address:c/o Gerald J. Naiberg, PresidentP.O. Box 758 (715) 723-6618P/D: Charitable gifts to worthy needy residents of Chippewa County, WI. Completion of formal application required, Interviews required.

Anna Emory Warfield Memorial Fundc/o 1210 Mercantile Bank & Trust Bldg.Two Hopkins Plaza, (410) 547-0612P/D: Relief assistance to aged and dependent women in the Baltimore, MD area. Initial approach by letter. Appl. & interview required. Cont: Thelma O=Neal.

Savannah Widows= SocietyP.O. Box 30156 (912) 232-6312Savannah, GA 31410-0156P/D: Grants primarily to single women, 55 or older, residing in Chatham County, GA. Also aid to seriously disabled or handicapped persons residing in Chatham County, GA, whose income from other sources is insufficient to provide their care in a reasonably comfortable manner. Contact foundation for current application deadline; completion of formal application required. Contact: Barbara Wall, President

W. L. Pegram Evangelistic Association14709 East 17th AvenueSpokane, WA 99037P/D: Grants to retired ministers and small grants to individuals for emergency assistance to cover living expenses. Application accepted.

Utah Housing Finance Agency177 E. 100 South (801) 521-6950Salt Lake City, UT 84111P/D: Money to first-time home buyers in targeted areas with required down payment.

A. J. Magnus Homec/o Taylor, Rees & Co., P.C.500 Cedar StreetMuscatine, IA 52761P/D: Room and Board in a group home for men over the age of 65 in the city and county of Muscatine, IA. Completion of formal application required, including a physician=s assessment of applicant=s physical and mental condition. Write for guidelines.

Alaska Property Tax EquivalencyDivision of Veterans AffairsP.O. Box 5800 (907) 428-6016Ft. Richardson, AK 99505-5800Fax: (907) 428-6019P/D: To provide disabled veterans in Alaska an equivalency payment if they rent their primary residence. Eligible for this exemption are disabled veterans in Alaska whose disability was incurred or aggravated in the line of duty and whose disability has been rated as 50 percent or more by the military service of the U.S. Department of Veterans Affairs. Qualified veterans are those who rent their primary residence.

Mary F. Battle Memorial Education Fd.c/o Huntington National Bank, WVP.O. Box 2490 (304) 623-7260Clarksburg, WV 26302-2490P/D: Financial assistance to underprivileged children of Taylor County, WV. Types of assistance given include clothing, tutoring, school supplies are field trip fees. Application by referral only. Completion of formal referral required.

The Lazarus Foundation, Inc.501 Fifth StreetBristol, TN 37620P/D: Grants by referral only to financially needy individuals, primarily in TN, NC, and VA. Provides grants to individuals to help cover the costs of general needs, such as rent and car repairs. Contact: John M. Gregory, President

Warner Home for Little WanderersFour Forest Hill Drive

St. Albans, VT 05478P/D: Financial assistance to needy residents, age 21 and under, from Franklin County, VT to help defray costs of summer camp, musical instrument rental, purchase and lessons, art lessons, equipment, and other extracurricular activities. Contact Foundation for current application deadline and procedures.Contact: Donna Roby, Treas.

Farmers Home AdministrationHuron Federal Building200 Fourth St. SW, Rm. 308Huron, SD 57350 (605) 353-1430P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing.

Mary L. C. Biddle Foundationc/o PCN Bank, NA1632 Chestnut StreetPhiladelphia, PA 19103P/D: Financial assistance to women in the Philadelphia, PA area. Grants are usually paid in monthly installments. Applications by letter accepted.

Mary R. Martin Trust 1Union Street, P.O. Box 545Wolfeboro, NH 03894-0273(603) 569-3484P/D: Aid to financially, needy residents of Wolfeboro, NH. Completion of formal application required.Contact: Philip J. Ganem, Trustee

The William H. and Kate F. Stockham Foundation, Inc.c/o Stockham Valves and Fittings, Inc.4000 North Tenth AvenueP.O. Box 10326Birmingham, AL 35202P/D: Grants for present and former employees who reside in Alabama or in a southeastern state, to help pay for general living expenses. Write for guidelines. Contact: Richard I. Stockham, Jr.

Cordelia Lunceford Beatty Trustc/o Security Bank Bldg., 2nd floor101 North Main, P.O. Box 514Blackwell, OK 74631 (405) 363-3684P/D: Types of assistance include needy residents, medical and dental expenses, school related travel expenses, and sport camperships. Limited to residents of Blackwell, OK who are under the age of 19. Contact Foundation for current application guidelines.Contact: James R. Rodgers, Trustee

Nehemiah Housing Oppt. Grant Programs.Sinlge Family Housing Dev. DivisionJackson HUD Office100 West Bay Street (601) 965-5308Jacksonville, MS 39269P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home.

Farmers Home AdministrationP.O. Box 400 (302) 697-4300Camden, DE 19934P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing.

Maxwell M. Corpening, Jr. Memorial P.O. Box 2400Marion, NC 28752P/D: Grants for rent, utilities, medicine, and other necessities to financially needy residents of McDowell County, NC. Completion of formal application required. Contact: Terri J. Straughn

Emmons County Sports Alumni, Inc.c/o Terry Gimbel420 North BroadwayLinton, ND 58552P/D: Emergency assistance to needy individuals residing in Emmons County, ND. Write for guidelines.

William Higgins Trust for Avaline Fundc/o Bank One Trust Group111 Monument Circle, Suite 1701Indianapolis, IN 46277-0117

(317) 646-5400Application Address:c/o Robert A. Duff, National City BankP.O. Box 849Anderson, IN 46015P/D: Financial assistance to aged, indigent residents of IN. Application by letter outlining, financial need accepted throughout the year.Contact: Robert A. Duff

Emma J. Adams Memorial Fund, Inc.605 Third Avenue 25th FloorNew York, NY 10158P/D: Welfare assistance primarily through institutions to the elderly and gentlemen and gentlewomen indigent in the greater New York, NY, metropolitan area. Initial approach by letter detailing specific need for which request is made. Completion of formal application required. Interview req.Contact: Edward R. Finch Jr. President

Joe W. and Dorothy Dorsett Brown Fd.1801 Pere Marquette BuildingNew Orleans, LA 70112 (504)522-4233P/D: For residents in Louisiana in financial need. Contact: D. P. Spencer - Write proposal

The Arthur Crames Family Foun., Inc.19 Briarcliff RoadUpper Saddle River, NJ 07458P/D: Grants to families of firemen and policemen killed or injured in the line of duty, primarily in New York, NY. Contact Foundation for current application guidelines. Contact: Arthur Crames, Dir.

Camden Home for Senior Citizens66 Washington Street, (207)236-2087Camden, ME 04843Application Address:Belfast RoadCamden, ME 04843 (207) 236-2014P/D: Grants for residents of Camden, Rockport, Hope, and Linconville, for heating, food, medical bills, drugs, rent, real estate taxes, etc. Write for guidelines.Contact: Adele Hopkins, Sec. Treasurer

Morrison Knudson Corporation Foundation, Inc.(formerly Morrison Knudsen Employees Foundation, Inc.)P.O. Box 73 (208)386-8100Boise, ID 83729Application Address:One Morrison Knudsen PlazaBoise, ID 83729P/D: Welfare assistance to financially needy individuals and families, including employees and former employees, in regions where Morrison Knudsen Corporation has operations. Completion of formal application required, including financial statement. Interviews required.Contact: Marlene Puckett, Admin.

Grant Info Web Siteswww.nonprofit.orgwww.cfda.govwww.fastweb.com www.finaid.org

ADDITIONAL SOURCE FOR MONEY TO FIX UP YOUR HOME? Top

Up to $15,000.00 are available for home improvement. This money comes from the government and is given to local groups in your community, who in turn give the money to home owner's. To identify the local groups in your area, contact: Rural Housing and Community Development Services US Dept. of AgricultureWashington, D.C. 20250(202) 720-1606

The Federal Government and the SBA are involved in making grants, which never have to be repaid. The Federal Government at one time or another, has money for a variety of purposes. The most successful grant program is the small business innovation research program, which have grants ranging from $50,000.00 up to $500,000.00. To contact the SBIRP call (202)653-6458

No single directory/manual is able to list all of the Government Foundation and Private Foundation Grant sources. There are well over 30,000 in the United States alone, that give money for specialized programs. The purpose of this manual is to provide you the grant-seeker one of the widest varieties possible, with the best information available. So you can obtain your grant in the shortest time possible.

The key to obtaining your grant is preparation.Steps to follow:a) Identify the correct foundation that fits your purpose.b) Be extremely knowledgeable about your project.c) Request only application guidelines at first, and any other information or materials they may have.d) Call or write to the foundation and obtain the name to whom the proposal or application shouldbe submitted to.(We recommend a written letter only requesting guidelines at first)e) Note the date of your call, the name of the person you spoke to for further reference.Thank you for the purchase of our Program, Good Luck with your personal or financial success.

FOUNDATION GRANTS FOR FOREIGN INDIVIDUALS Top

Grants which are made to foreign individuals by U.S. foundations include, funds for travel to the United States, general welfare assistance, and for creative and scholarly endeavors.

The Commonwealth Fund (The Trustee of Ivan V.)United Kingdom Education Fund, Inc.Australia New Zealand Russian ImmigrantsOne East 7th Street 651 11th AvenueNew York, NY 10021-2692 San Francisco, CA 94118

German Marshall Fund of the U.S. Meftah Scholarship FoundationEurgope Immigrant and refugee youths11 Dupont Circle NW, Ste. 750 2777 Me Coy RoadWashington, D.C. 20036 Columbus, OH 43220

Harkham Foundation Shatford (J.D.) Memorial TrustIsrael c/o Chemical Bank857 S. San Pedro Street Hubbards, Nova Scotia, CanadaLos Angeles, CA 90014 30 Rockefeller Plaza

New York, MY 10112

Hawthorne (Hugh A.) Foundation Taraknath Das FoundationIreland c/o Southern Asia Institute5634 Brair Drive Columbus University IndiaHouston. TX 77056 420 W. 118th Street

New York, NY 10027

Other Small Business Administration Offices Top

REGION I (617) 565-8100 Connecticut, Maine, Massachusetts, Business Service Center (IAB) New Hampshire, Rhode Island, 10 Causeway St., Room 290 VermontBoston, MA 02222

REGION II (212) 264-1234 New Jersey, New York, Puerto Rico,Program Support Div. (2AR) U.S. Virgin IslandsBusiness Services, Room 18-13026 Federal PlazaNew York, NY 10278

REGION III (215) 656-5525 Delaware, West VirginiaProgram Services Div. (3ADS) Maryland, Pennsylvania, VirginiaWanamaker Bldg., 100 Penn Sq. East, Room 829Philadelphia, PA 19107

REGION IV (404) 331-5103 Alabama, Florida, Georgia, KentuckyOffice of Enterprise Dev. (4E) North Carolina, South Carolina,401 W. Peachtree St., Room 302 Tennessee, Mississippi

Atlanta, GA 30365-2550

REGION V (312) 353-5383 Illinois, Indiana, Michigan, MinnesotaBusiness Service Center (5ADB) Ohio, Wisconsin230 S Dearborn St, Room 3714Chicago, CL 60604

REGION VI (816) 926-7016 Iowa. Kansas. Missouri, NebraskaOffice of Enterprise Dev. (6ADB)1500 E. Bannister Rd., Room 1160Kansas City, MO 64131

REGION VII (817) 978-3284 Arkansas, Louisiana, New Mexico,Office of Enterprise Dev. (7CPP) Oklahoma, Texas819 Taylor St., Room 9AOOFt. Worth, TX 76102

REGION VIII (303) 236-7408 Colorado, Montana, North Dakota,Business Service Ctr. (8PB-B), Denver Federal Center South Dakota, Utah, WyomingBldg. 41, Room 145, P.O. Box 25006Denver, CO 80225

REGION IX (415) 522-2700 Arizona, California, Hawaii, NevadaOffice of Enterprise Dev. (9ADB)450 Golden Gate AvenueRoom 6514, 5th FloorSan Francisco, CA 94102

REGION XBusiness Service Center (9ABD-L) (213) 894-3210300 N. Los Angeles St., Room 3259Los Angeles, CA 90012

Most Frequently Asked Questions: Top

EXAMPLES:

Q What should I say when I contact the foundation/agencies?A Does your organization have any grants/loans or resource programs available for corn producers?

Q "If they say yes". What should I ask for?A Could you please send me all literature, guidelines, and applications for your programs.

Q "What if they say no" A Could you please direct me to an organization or individual who maybe able to assist me in the

corn producer's field?

Q What should I do if it appears I'm getting the run around?A If you keep getting referred to different departments and have not found exactly what your looking for, this in

some cases can be normal. It can sometimes take 5 to 10 phone calls for you to find the right contact. You must remember the government employs thousands of people for theseagencies, and not everyone will know what the government has to offer. You must be patient, friendly and persistent.

Q What do I do when I receive my application kit?A Read the contents of the guidelines thoroughly. And always look for ways for your project to fit

the agencies well being, plus your own personal agenda.

Q What if money is not my only objective. Is their any other services available?A The Government has many services they can offer, just to name a few: Help with taxes, legal help, marketing

analyzes, trends, new technologies, and education support. The whole key to this is, you must find the right contact for your particular purpose. This will open the door to a wealth of knowledge.

Q What if my proposal keeps getting rejected?A Government proposals are open to the public. You can ask for copies of successful proposal's, which have been

funded.

Q What if the Organization I am interested in only gives to non-profits.A Contact them and ask them for a list of the agencies they fund. What happens is that the money or service is

then distributed at the local level

Disclaimer: We do not guarantee that you will receive the grant money or, are we liable for any financial loss or personal damage. However, We do guarantee that if after following the procedures set forth you do not receive a free grant, or if you are not satisfied with this product for any reason, you may return it in like new condition for a 100% refund, less S&H.

SAMPLE LETTER Top

Current date:

Contact=s NameContact=s TitleName of OrganizationAddressCity, State, Zip

Re: Name of Government Grant, Foundation Grant, Etc.

Dear Sir/Madam:

It has been brought to my attention that I may qualify for participation in your (Grant/Foundation/etc.) program for a (Business Grant/Personal Grant/Scholarship/etc.).

My (Business Interest/Business Product or Service/Personal Needs/Educational Interests/etc.) Are ___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

I would greatly appreciate receiving information regarding your program=s eligibility requirements, and the necessary application form.

If you have knowledge of similar programs which may be beneficial, I would appreciate that information as well.

Thank you for your time and cooperation. I look forward to receiving your information.

Sincerely yours,

Your NameYour Business Name (if applicable)Your Home or Business AddressCity, State, Zip

(NOTE: Make a copy of all letters and applications before mailing your originals.)