WESTMINSTER — Carroll County Bank and Trust Co. has received approved lender status with the Farmers Home Administration, allowing it to participate inthe Guaranteed Rural Housing Loan program.

"The Guaranteed Rural Housing loan is a federal program designed to help rural families with moderate incomes buy houses," said M. Lynn Rill, vice president.


The loans will be marketed primarily within Carroll County. The mortgages do not require the borrower to make any down payment and qualifying for the loan is easier than usual.

The mortgages are available to those in rural areas, defined as a town of fewer than 10,000 residents at least 25 miles from a city, or a community of up to 20,000 outside a metropolitan area.


Household income must be no higherthan the area's median, based on the number in the household.

Borrowers also may spend up to 41 percent of their income on the loan.

Loan proceeds may be used to buy, build, improve, repair or rehabilitate rural homes and related facilities.

Loan terms include a 30-year, fixed-rate mortgage.

Information: 857-3450.



WESTMINSTER -- The Carroll County Association of Realtors will have a Homebuyers Program workshop for those thinking of buying a home, from 9 a.m. to 1 p.m. May 30 and June 27 atthe Main Street Exchange, 412 Malcolm Drive, Suite 207.


The cost is $5 for the workbook; registration is requested.

Information: 876-3530 or 857-0388.



WESTMINSTER -- Cranberry Mall awarded several prizes to shoppers during its recent fifth anniversary celebration.

Vicky Marzullo of Baltimore won a cruise to the Bahamas; Cathy Gronaw of Westminster, a trip toHershey Lodge; A. Vargosko of Westminster, a cedar picnic table; andChris Pearce of Finksburg, a bushel of crabs.


The following won $100 gift certificates: Joe Mansfield, Pat Minor and Janice Lipscomb, all of Westminster; Henry Hobbs of Hanover, Pa.; and Phyllis Hankin of Baltimore.

Winners of $50 gift certificates were: David Buie of Taneytown; Anna McNelly and Michael Palmer of Manchester; Scott Long of McSherrystown, Pa.; and Shannon Gunning of Hampstead.



WESTMINSTER -- Washington Heights Pharmacy has established a private consultation service next to the main Washington Heights Medical Center.

Pharmacists are available to discuss medication or the use of medical equipment.


The firm hasa full line of prescription and non-prescription drugs, medical supplies and equipment, and operates Optioncare, a home intravenous therapy service.

Information: 848-8900.



WESTMINSTER -- Carroll County General Hospital has appointed Drs. Dinesh Kalaria and Robert Ricketts, staff cardiologists, asdirectors of the new cardiac catheterization laboratory.

"These physicians have significant expertise in performing this procedure," said John M. Sernulka, CCGH executive vice president. "The hospital isvery fortunate to have cardiologists with their credentials and professional experience to direct the activities of the unit."


The laboratory was completed about six months ago in conjunction with angiography, a diagnostic test that tracks the flow of blood through veins and arteries outside the heart. Both services began accepting patients at the end of February.

Kalaria's experience includes residency training at the Albert Einstein Medical Center in Philadelphia and St. Agnes Hospital. He served his cardiology residency at Wyman Park Hospital in Baltimore and later was a staff cardiologist there. He joined CCGH in 1984 and is board-certified in both internal medicine and cardiovascular disease.

Ricketts, who is also board-certified in internal medicine and cardiovascular diseases, received his medical degree from Temple University in Philadelphia. He interned at Albert Einstein Medical Center in Philadelphia, where he also served his internship and residency. In addition, he completed a fellowship in invasive and interventional cardiology at Einstein and has been at CCGH since 1990.


Gilliam B. Conley, administrative director of Laboratory Services at Carroll County General Hospital, has been selected to the board of directors of the Greater Chesapeake and Potomac Regional Blood Services Division of the Red Cross.

This regional division distributes blood to 82 hospitals in Maryland, Virginia, the District of Columbia and Pennsylvania.


As a director, Conley will help oversee numerous activities related to blood collection, including coordination, quality assurance, testing and distribution. Board members will also be exploring new collection sites in an effort to increase donor participation.

In addition to his responsibilities as a board member, Conley is on the Financial and OperatingAudit Committee and the Chapter and Volunteer Relations Committee.

Previously, Conley was a member of the Red Cross Blood Services Advisory Committee.

Conley, who lives in Sykesville, has been a member of the CCGH staff since 1985. He is a graduate of Western Maryland College and served his internship as a medical technologist with the U.S. Public Health Service in Baltimore. He received additional training in blood banking at Johns Hopkins Hospital and completed a master's degree in laboratory management from Central Michigan University.