NEWS - BizWest

By Tom [email protected]

GREELEY – When University ofNorthern Colorado students in2004 voted to raise their fees tofund construction of new universi-ty sports centers, they were not like-ly aware that their ballots wouldstoke economic developmentbeyond the campus boundaries.

But three years later, with mostof the $16 million package ofimprovements to UNC’s sportsfacilities in place, a communityconsensus says the new construc-tion – plus the university’s bigjump to Division 1 of the NationalCollegiate Athletic Association –will spill at least as much into theGreeley economy over time.

“There is an economic enginethat sits within these facilities,”UNC athletic director Jay Hinrichssaid. “For people from the region,and the nation, to come and stayand eat and play is a big vision ofours.”

It’s a vision shared by Greeley’sChamber of Commerce, by busi-nesses that have already enjoyedthe fruits of UNC’s sports-buildingboom, and by UNC’s faculty andadministrators.

An example: One of the gems ofthe rebuilding program, a $3.4 mil-lion overhaul of Jackson Field tomake it a world-class soccer facility,represents a town-and-gown con-nection that will uplift the east

By Kristen [email protected]

Rapid growth in three southeast-ern Weld County towns is prompt-ing discussions about increasing the

area’s ties to the metro-Denver area.Officials from Dacono, Frederick

and Firestone are considering join-ing the Denver Regional Council ofGovernments, and possibly eventhe Regional Transportation Dis-trict. The talks are coming on theheels of a residential boom thatmade Weld County one of thefastest-growing counties in the stateand the nation in recent years.

According to U.S. Census data,Weld County’s population grew 24

percent from 2000 to 2005. Duringthe same time, Colorado’s popula-tion grew at a rate of 6 percent.

Dacono, Firestone and Frederick— often referred to as Tri-Towns orCarbon Valley — have seen explo-sive growth. Residential and com-mercial growth in the small townshas led to a federal mandate requir-ing the Denver-area metropolitanplanning organization to includethe Weld County cities in its futureplans. Denver’s metro-area plan-

ning is handled by the DenverRegional Council of Governments,known by the acronym that trans-lates conversationally to “DoctorCog.”

The southwest area of WeldCounty has been part of the UpperFront Range Transportation Plan-ning Region. Last summer, DRCOGand the transportation planningregion entered into an agreementrecognizing that population growth

Dako sails with Swedishownership

‘Dr. Cog’ offers Weld planning cure

$ 1March 16-29, 2007Vol. 12, No. 13www.ncbr.com

NEWSRequests all filledfor NoCo waterErie would spend $65Mfor water rights to proposed reservoirsPage 2A

Outdoor Promotionslands Vegas contractFort Collins ad firmgambles local marketfor Strip’s bus benchesPage 3A

MCR on cutting edgewith 3D X-ray systemSecond Colorado facilityto offer new technologyfor spine, joint surgeriesPage 4A

THE EDGE

Women inbusinessFemale entrepreneursshare their journeysPage 7A

SPECIALREPORTSHealth careArea doctors adapt toregionalization withcross-system privilegesPage 25A

Hospitals pacegrowing demandPVMC, NCMC expand to meet Weld'spopulation explosionPage 26A

LISTSRegion’s largest:

Women-ownedbusinessesPage 9A

Cultural organizationsPage 10A

Cultural venuesPage 10A

UtilitiesPage 21A

HospitalsPage 27A


Denmark-based Dako, parentcompany of the division formerlyknown as Cytomation, recentlyjoined the list of Northern Col-orado employers that will operateunder private-equity ownership.

In late Feb-ruary, privateequity firmEQT of Stock-holm, Swedenmoved to purchase the cancer-diag-nostics company for 7.25 billion kro-ner, or about $1.29 billion. The dealis expected to close in April or May.

The Dako buyout is not expect-ed to affect the 250 employees atthe Fort Collins site, nor is it likelyto sway Dako from its previouslycharted course.

“There are no plans for any clo-sures or corporate restructuring,”said Cindy Coughenour, generalmanager of the Fort Collins site.

The Fort Collins site specializes inproducing flow-cytometry analysisinstruments, but also employs peo-ple in other Dako business groups.Flow cytometry is a method used inthe analysis of biological material bydetection of the light-absorbingproperties of cells or subcellular ele-

UNC athleticspoised to drivelocal economy

Tri-Towns pondermetro-Denvertransportation tie

Portfolio

Regionalresource forfinance andinsuranceindustries

Section B

Playing in abigger league

See DR. COG, 43A

Tom Hacker, Northern Colorado Business Report

SOCCER HEAVEN — University of Northern Colorado Athletic Director Jay Hinrichs helpedguide the $3.4 million makeover of Jackson Field, including the new Jackson Field House, partof a $16 million package of improvements that he hopes will make the university a regionaland national sports Mecca.

Playing in abigger league

See UNC, 45A See DAKO, 36A

See related storyMum’s the word on

Dako’s buildingsPage 6A

2A The Northern Colorado Business Report March 16-29, 2007

REGIONAL LOCATIONS ATSoutheast corner of I-25 & US 34

R E TA I L • O F F I C E • L I G H T I N D U S T R I A L

Nicholas M Christensen, J.D.970-663-3150 x 3

Ryan J. Schaefer970-663-3150 x 4

w w w . c h r i s l a n d i n c . c o m

By Steve [email protected]

ERIE – Officials in this still-small townstraddling the Boulder-Weld county line arehoping they can keep pace with gallopingcurrent and anticipated growth over thenext 20 years by buying into a major waterstorage project proposed for Northern Col-orado.

The town of Erie, whose population hasalready more than doubled since the 2000census, is in line for up to 6,500 acre-feet ofwater from the Northern Integrated SupplyProject proposed by the Northern ColoradoWater Conservancy District.

The NISP calls for the construction oftwo storage reservoirs, one near the mouthof Poudre Canyon in Larimer County andanother near Galeton in Weld County. The$400-million project, if approved and per-mitted, would supply an annual yield of40,000 acre-feet to 13 participating towns,cities and water districts in the NCWCDservice area.

Erie is signed up for 6,500 acre-feet ofwater from the project and is NISP’s singlebiggest purchaser. Only the Central WeldCounty Water District, which includes thetowns of Frederick, Firestone and Dacono,is seeking more at 7,100 acre-feet.

The project is currently being reviewedby the U.S. Army Corps of Engineers (seeaccompanying story) and a public com-ment period is set for next summer. If allgoes according to plan, the project wouldbegin yielding water in 2014.

‘Always looking’Erie, with its prime bedroom communi-

ty location just east of Boulder and justnorth of Denver, is growing at a phenome-nal rate. In 2000, its population was 6,300,but the town’s most recent estimate is about15,000 and its ultimate population ispegged at around 50,000 for its 50-square-mile planning area.

“We’re growing and we have a lot ofinterest from developers annexing intotown,” said Gary Behlen, Erie’s public worksdirector. “We’re always looking for water.”

That’s why, even though the town pur-chased 2,700 shares of Colorado-BigThompson water for $30 million one yearago, town officials didn’t hesitate to approvethe purchase of up $65 million worth ofNISP water.

“We want to manage water for the qual-ity growth we’re anticipating,” Behlen said.

For the town, it’s considered a great dealif the project goes forward and becomes areality. The price of each acre-foot of NISPwater is about $10,000, or about half ofwhat an acre-foot of C-BT water costs thesedays.

Erie Mayor Andrew Moore said the townconsiders the NISP purchase a good invest-ment in its future. “We have made numer-ous water purchases of C-BT water forsome time,” he said. “It’s just part of ouroverall strategy.

“For Erie, we’re trying to diversify ourwater portfolio and like any growing townwe need to have ample water sources.”

Growth will payErie’s current residents are not expected

to be financially impacted by the NISP pur-

chase. Behlen said the cost will be borne bynew development and new residents.

“It’s all based on new growth,” he said. “Awater dedication fee (on each new residen-tial unit) will pay for it.”

Erie’s water situation has been sufferingin recent years, as drought and growth haveresulted in a set of tough water conserva-tion measures being adopted. While themeasures are still voluntary, the town hasposted on its Web site fines ranging from$100 to $400 per violation if the city decidesit needs a mandatory water conservationprogram.

“We try to do everything possible to pre-serve water as much as possible,” Behlensaid. “We take it very seriously.”

Brian Werner, water district spokesman,

Erie leads push for Northern Colorado waterGrowing town plansto spend $65 millionfor new water rights

Lining up for waterThirteen cities, towns and water districts arelined up to receive water from the NorthernIntegrated Supply Project if it goes forwardas planned:

n Central Weld County Water District(includes Frederick, Firestone and Dacono)-7,100 acre feetn Erie-6,500 acre feetn Lefthand Water District-4,900 acre feetn Fort Morgan-3,600 acre feetn Windsor-3,300 acre feetn Fort Collins-Loveland Water District-3,000acre feetn Fort Lupton-3,000 acre feetn Lafayette-1,800 acre feetn Evans-1,600 acre feetn Eaton-1,300 acre feetn Severance-1,300 acre feetn Berthoud-1,300 acre feetn Morgan County Water District-1,300 acrefeetTotal: 40,000 acre feet

“Like any growingtown we need to haveample water sources.”Erie Mayor Andrew Moore

See GLADE, 44A

March 16-29, 2007 The Northern Colorado Business Report 3A

Why we shyaway from‘shovel shots’

F O C U S

INSIDEBriefcase . . . . . . . . . . . . . .11ACalendar . . . . . . . . . . . . . .13AClassifieds . . . . . . . . . . .39ACommentary . . . . . . . . .40ADaily Review . . . . . . . . . . .15ALeads . . . . . . . . . . . . . . . .42AEconomic Indicators . . .46AOn The Job . . . . . . . . . . . .12AReal Estate . . . . . . . . . . . .6A

A sure sign of spring is theway invitations to ground-breakings pile up at theBusiness Report via snail mail,e-mail, voice messages andany other mode of contact.

When the ground thaws,the builders build. And thisspring, with so many retail,office and mixed use pro-jects set to get under way,the groundbreaking cover-age requests are arriving inrecord numbers.

Some newspapers rou-tinely publish what we callin the business “shovelshots” – dignitaries with sil-ver-plated shovels tossingdirt at a groundbreaking.The Fort Collins Coloradoan,for instance, has had a cou-ple in the past few weeks.The Eye tries to be diplo-matic in declining to rungroundbreaking photos: Wecan’t do them all, we tellthose who invite us, sowe’re not going to do one.

After the groundbreak-ing for the ambitious PennyFlats loft, retail and officeproject on Mason Street indowntown Fort Collins, wereceived some amusingphotographic evidence sup-porting our no-shovel-shotpolicy. Thanks to ToddSpiller, a broker withRe/Max Alliance in FortCollins, for the submission.

The Eye regards it as ashovel shot worth publishing.

THE

EYEBy Tom [email protected]

FORT COLLINS – Cheyenne television sta-tion KGWN’s strategy to become Northern Col-orado’s prime TV news and information sourcetook a leap forward this month with an appealto federal regulators to expand its coverage areaand open the door to cable access.

A nearly two-inch thick document, almost ayear in the making, was delivered to the FederalCommunications Commission in early March.It outlines the commitment that CBS affiliate

Channel 5 has made to the region and containsendorsements from Larimer and Weld countyofficials at all levels, as well as cultural andbusiness groups.

“We’re just very, very hopeful the commis-sion will agree with the case we make,” saidLouis Wall, president of Augusta, Ga.-basedSagamore Hill Broadcasting LLC, KWGN’sowner.

“If this goes forward, it changes everything.It gives us the opportunity to be the televisionsource for news, information and entertain-ment in Northern Colorado. It gives us the plat-form to become a Northern Colorado entity,one that the entire region can be proud of.”

Having exhausted efforts to persuade cablegiant Comcast and most other providers toinclude KGWN in local listings, Wall enlistedWashington, D.C., lawyer Todd Stansbury, aspecialist in television broadcast law, to force

the issue with the FCC filing. Stansbury hastaken two similar cases before the FCC, repre-senting smaller broadcasting companies seek-ing to expand their markets into more popu-lous areas, and has found success both times.

Stansbury, saying his public commentswould not help to move the case forward,deferred to Wall, KGWN General Manager JoanTurner and to the document his law firm pre-pared.

“I think we’re all excited seeing this processgo forward,” Turner said. “It’s been a long timecoming.”

Regional outpostWall and Turner in late 2005 opened a

broadcast bureau in downtown Fort Collins,and last year launched a nightly half-hournewscast specifically targeting Northern Col-

Cheyenne stationappeals to FCCto unlock door

KGWN takes cable case to federal board


WINDSOR – Four funding sources havebeen identified as preferred methods to raiseabout $2 million per year and finance a pro-jected $22 million interchange improvementproject at the gateways of Windsor and FortCollins.

But landowners in the area are disappoint-ed that the preferred sources are all focused onrevenues from landowner properties anddevelopment that would flow from animproved interchange without any publicmoney yet earmarked.

“Right now, especially on the west side (of theinterchange), they’re saying we’re not approving(any development) and you’re going to have topay for it all,” said Jeff Couch, a consulting engi-neer and property owner representative.“We hadthat before, so what have we gained here? All thelandowners are disappointed.”

The funding sources identified so farinclude special assessments on landownerproperties, growth impact fees, publicimprovement fees on sales-tax-producingproperties and dedicated property taxes with-in a “corridor activity center” surrounding theI-25 interchange at Colorado Highway 392 onthe western boundary of Windsor.

Pete Wray, senior planner for the city ofFort Collins, acknowledges the landowner dis-appointment at the current phase of the pro-ject. “I think most of the property ownerswould like to see that (cost) spread to the pub-lic, especially the upfront, initial phases,” hesaid.

With both Fort Collins and Windsor view-ing the interchange as a major gateway to eachcity, Wray said the possibility of public fund-ing has not yet been ruled out.“If we can lessen the initial impact on proper-ty owners with public support, that would bemore palatable,” he said.

Joe Plummer, planning director for thetown of Windsor, agrees. “Basically, we’relooking at any and all funding opportunities,”he said. “I don’t think we’ve ever closed thedoor on public funding, but we haven’t takenthat to our councils yet.”The project’s current timeline calls for FortCollins’ and Windsor’s city councils to discussadoption of any funding plan this summer.


Outdoor Promotions is a Northern Col-orado company, Fort Collins-born and -raised.But the ever-evolving company couldn’t resistthe bright lights of Vegas.

The outdoor-advertising firm recently cor-nered the coveted Las Vegas bus-shelter market,and in the process sold its hometown stake.

Gary Young founded Outdoor Promotionsin Fort Collins in 1984. The company standsout in the world of outdoor advertising in thatit focuses solely on what the industry callsstreet furniture — bus benches and shelters.Many companies that handle bus-shelter

advertising are more heavily invested in largebillboards.

The billboard medium makes up 62 percentof the $6.2 billion outdoor advertising business,according to industry association OutdoorAdvertising Association of America Inc. Streetfurniture claims the next largest slice at 19 per-cent, or almost $1.2 billion annually.

Outdoor Promotions has contracts to adver-tise on and service street furniture in Denver,Salt Lake City, Las Vegas and, until recently,Northern Colorado. The bus-shelter contractsfor Salt Lake City, Denver and portions of LasVegas were acquired from Baton Rouge, La.-based Lamar Advertising Co. in 2004.

“Since that time, we won a bid for the unin-corporated Clark County account,”Young said.“The best part of that opportunity is the LasVegas Strip.”

The contract was previously held by CBSOutdoor, which the OAAA ranks as the sec-ond-largest outdoor advertiser in the country.

392 interchangehits money snag

Bus-shelter ad contractmeans shifting awayfrom Fort Collins

Photo courtesy of Outdoor Promotions

TAKING SHELTER — Fort Collins-based Outdoor Promotions Inc. recently landed the contracts to operate “street furniture”advertising for the entire Las Vegas market — including the world famous tourist corridor known as The Strip. The compa-ny plans to install flat screen monitors, controlled by a wireless network, to replace the static, print billboards.

Outdoor Promotions opensin Vegas, sells local account

See OUTDOOR, 22A

See KGWN, 45A

Courtesy Todd Spiller

FACES FULL — No one would knowit, but that’s downtown Fort Collinsreal estate broker Eric Nichols, left,and Mayor Doug Hutchinson at thegroundbreaking last month forPenny Flats.

See HIGHWAY 392, 16A


Volume 12, Number 13 Copyright 2007.The Northern Colorado Business Report Inc.

Reproduction or use of editorial or graphic content without written permission is prohibited.

The Northern Colorado Business Report (ISSN 1094-8198) is published biweekly, with an extra issue inDecember, by The Northern Colorado Business Report Inc., a Colorado corporation,

141 S. College Ave., Fort Collins, CO 80524. Periodical postage paid at Longmont.Subscriptions are $44.97. International subscriptions are $175.00.

POSTMASTER: Send change-of-address notices to:The Northern Colorado Business Report,

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C O R R E C T I O N S

The Business Report will correct any errors that appear in its pages. To suggest a correc-tion or clarification, please contact editor Tom Hacker at (970) 221-5400, ext. 223, or e-mail him at [email protected].


LOVELAND — A state-of-the-art com-bination of surgical equipment in use at theMedical Center of the Rockies offers advan-tages to both surgeons and their patients byproviding 3D X-ray images during the pro-cedure.

The StealthStation TREON navigationsystem, in conjunction with the O-armimaging system, gives surgeons more-pre-cise tracking of surgical instruments whileexposing them and their patients to lessradiation. Used primarily for pelvic andspinal-injury repair at MCR, the StealthSta-tion allows surgeons to map anatomicallandmarks within the body and providesreal-time feedback on the positioning ofreplacement parts. The O-arm provides 3-D X-rays in seconds, storing the images ona computer screen that can be easilyaccessed as the operation progresses.

Patients benefit from the system’s accu-racy, which allows for smaller incisions,quicker recovery and less time spent in thehospital.

Mark McFerran, an orthopedic surgeonwith Orthopaedic Center of the Rockies inFort Collins, is a big proponent of the newoperating devices.

“I’ve been in town for 15 years, but thisis the first time I’ve used the navigationsoftware and the first time the O-arm hasbeen used in Northern Colorado,” he said.“The combination of the O-arm andStealth is new, and it is fantastic.”

McFerran, who had used the equipmentjust three times as of last week, said thecombination is ideal for complex spinal,pelvic and other orthopedic surgicalrepairs.

“With the Stealth, I can put screws andpins inside places that were very difficult toget to,” he said. “I can put things in moreaccurately than before because I can get a 3-D image of the body. It’s comforting that Iknow exactly where I’m going.”

Million-dollar systemMedtronic Inc., a medical-equipment

company based in Minneapolis with itsMedtronic Navigation division inLouisville, developed the StealthStation,which carries a price tag of between$250,000 to $750,000 per unit, said PeteHansen, marketing communications man-ager.

Medtronic is the exclusive distributor ofthe O-arm imaging system produced byLittleton, Mass.-based Breakaway ImagingLLC. The O-arm system costs about$680,000, putting the combined cost in thevicinity of $1 million-plus.

Hansen said one of the major advantagesof the O-arm is that it reduces the time thatthe surgeon and operating room staff areexposed to X-ray radiation during surgery.

“With the O-arm, you take a shot, get itout of the way, and you can then navigatebased on images stored in the computer sys-tem,” he said. “It’s less time that a surgeon’shands are under X-ray, and for surgeonsdoing thousands of cases a year, that can bea big thing. It’s just a safer way to operate.”

Second in the stateSuch computer-assisted surgery has been

around for at least 15 years, but Hansen saidit’s the “marriage” of the two technologiesthat makes the combination a breakthroughin complex orthopedic repair.

Coupling the two systems has been pos-sible only since 2005, when the federal Foodand Drug Administration approved the O-arm system. That year, Medtronic joinedforces with Breakaway Imaging to distrib-ute the system.

The system at MCR is the second in thestate; Exempla Good Samaritan Hospital inLafayette was the first, and there are only nineinstalled in hospitals in the United States.

At present, the FDA has approved O-armtechnology only for spinal and orthopedic-related surgeries, but future uses couldinclude image-guided surgery systems, vas-cular surgery and mobile X-ray capabilitythat brings radiology to the patient.

Based on his experience, McFerran said,“It’s certainly state-of-the-art, and I thinkin time it will become the standard of carefor complex pelvic fractures and for revi-sions of spine surgery.”

MCR on cutting edge with 3D X-ray system Computer navigation,low-exposure imagesprovide OR benefits



LOVELAND – After a year full ofchanges, Security with Advanced Technolo-gies Inc. (Nasdaq: SWAT) is closing its Love-land facility, laying off some workers andrelocating others to its new Westminsterheadquarters.

Company spokeswoman Heather Blacksaid the Loveland office will close effectiveMarch 30. The Loveland office was oncecompany headquarters and home to muchof its research and development efforts.

Black would not go into specifics about thelayoffs, but said the work force was reduced byabout 5 percent to 36 employees. In 2006, thecompany had about 33 employees in Love-land, many of whom were engineers.

The move will reduce the company’s engi-neering staff and focus on sales and market-ing, according to a press release. The changesreflect an almost complete departure fromwhat the company was when it was founded.

Retired police officer Michael Siemensfounded A4S Security Inc. in 2000 based ona technology developed for the U.S. AirForce. The company’s digital video surveil-lance system had potential in markets suchas transportation and law enforcement, butthe technology needed further development.

In his quest to find a highly trained work-force, Siemens set up a Loveland engineeringoffice in 2003. In less than two years, it beganlanding contracts for its ShiftWatch Trans-portation Video Surveillance System. InNovember 2005, the company filed an initialpublic offering of its shares.

Since then, the company has undergone

so many changes that it hardly resembles thestartup that went public to raise around $8million.

New faces, new focusThe company continued to develop its

transportation product, while also working tosolidify a market in law enforcement. Delaysin the development of industry standards fordigital information in law enforcement putthat application on the back burner.

Along with the IPO came the need foradditional executives with experience inpublic ownership. The company appointedTom Marinelli, a former DaimlerChrylserexecutive, as CEO. Marinelli went on tobecome president of the company in June,with Siemens transitioning to the position ofexecutive vice president for law enforcementproducts and relinquishing his seat on theboard.

Within months of the shuffle, Siemens’position was eliminated, according to a SECfiling. The filing said he would stay on as apart-time consultant to the company. How-ever, Black said he has not been with thecompany since August.

Also during this time, A4S announced amerger agreement with Westminster-basedVizer Group Inc. — specializing in Internet-based surveillance — and Avurt InternationalInc. — which produces non-lethal personalprotection devices now in use by federal andstate law enforcement and security agencies.

At the board meeting in December, thecompany’s name was changed to Securitywith Advanced Technologies. The mergerwas approved and closed in early January, atwhich time the company’s headquarters was

transitioned to Westminster, according toBlack.

Throughout the myriad changes in thepast year, SWAT’s dismal financial and stockperformance has remained an unfortunateconstant.

In its most recently filed financial report,for the nine months ended Sept. 30, SWATreported a loss of more than $4.1 million,compared to a loss of $3.2 million during thesame period in 2005.

Year-over-year for those nine months,sales increased eightfold to $876,000. How-ever, cost of sales increased by 14 times to$1.7 million. The company has not yetreleased its 2006 year-end financial perfor-mance, but in a SEC filing it stated:“Although we believe our sales will begin toincrease and currently we have open ordersof approximately $2.7 million in process, weexpect to incur a net loss for 2006.”

Share price struggleThe company has also struggled with its

stock price. SWAT went public on Nov. 10,2005, selling 1.2 million shares and 1.2 mil-lion purchase warrants at an opening priceof $6 per share. The price rose as high as$9.50 on Nov. 28 — a few days prior to thefiling of the merger agreement with the SEC— before dropping off. On March 9, thestock closed at $3.49.

The stock has apparently been impactedby a trading method known as “naked” shortselling. Short selling is a normal marketprocess, said Colorado State Universitybusiness professor Rick Johnson.

“It is identical to buying stock except theprocess is reversed,” he said. “The stock is

sold first and then bought.”Short sellers will borrow a stock that he or

she feels is overvalued. The stocks are oftenborrowed from a brokerage or pension fundfor a fee. The borrowed stock is then sold,with the anticipation that it will drop inprice, at which time the short seller will buyit back and replace it for the owner. Ofcourse, if the stock rises in price, the shortseller will lose money when it must bereplaced.

Naked short selling occurs when the shortseller does not secure the shares to shortbefore selling them. If the shares cannot belocated, it results in a “fail to deliver.”

“Naked short sellers sell shares of stockthey haven’t borrowed, have no intention ofborrowing and that may not even exist,” saidTom Ronk, CEO of Buyins.net.

Naked selling exposedRonk created Buyins.net to track and

expose naked short selling. The Securitiesand Exchange Commission in 2004 passed aregulation requiring the U.S. stock exchangesto make available information on stocks thatsurpass a “fail to deliver” threshold of morethan half a percent of the total shares.

As of March 8, “SWAT has currently beenon the NASDAQ naked short list for 18 con-secutive trading days,” according to Ronk.“Since the naked short list was started in Jan-uary 2005, SWAT has been on the list a totalof 32 trading days.”

SWAT Chairman Greg Pusey admits thatsome shareholders are concerned but is notoverly concerned with the impact short sell-ing or naked short selling might be havingon the company’s stock.

“Some investors feel we get a great dealmore short focus than we actually do,” heexplained, adding that successful executionof the business plan will boost stock pricesand foil short sellers.

Loveland’s SWAT closes site, lays off staff

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No one, and we mean no one, will talkabout one of the biggest commercial realestate listings on the books in Fort Collins.

Not the sellers, of which there are a fairnumber. Not the list-ing brokers, of whichthere are two. Not thetenant that leases the80,560 square feet ofspace in the threeOakridge BusinessPark buildings thatare offered, together,for $16,350,000.

And it’s not thatwe haven’t asked.

The property, list-ed jointly by Denver-based Fuller Real Estate and Everitt Com-mercial Partners in Fort Collins, is ownedby a group of Fort Collins investors underthe name Oakridge Innovation LLLP. Theseven partnership members include twocorporate entities and, from the looks ofpublic records, five married couples.

Their tenant is Dako, the Danish com-pany that several years ago purchasedCytomation Inc., the biotech company thathad its roots on the campus of ColoradoState University in the late 1980s.

Readers will find no direct, attributedquotations in this column because, as we

mentioned before, no one’s talking. But theyare posting the listing on Web sites, andhave even created a special Web address,www.dakoinvestment.com, that offers anunusual level of detail about the listing.

A Fuller broker suggested that evenwriting about the offering in the pages ofthe Business Report would be “a mistake”and “premature.” One of the privateinvestors in the selling partnership suggest-ed that digging around in public records“violates my right to privacy.”

Everitt’s Stu MacMillan and his com-mercial partner Rick Callan, much morepolite than their Denver counterparts, saidonly that they had been asked by the ten-

ant not to speak publicly about the listing.But just in case there might be an

investor group out there looking for a 6.75percent cap rate and $1.12 million intriple-net lease income during 2007, andescalating at a rate of $20,000 per year, thisnews is for them.

Larimer County’s property records onthe buildings at 4856, 4862 and 4868 Inno-vation Drive, on the eastern end of theOakridge development, show that theOakridge Innovation investors paid a hairover $2 million for the three buildings inJuly 2000, a figure that seems slightly outof whack given the offering price, sevenyears later, of eight times that much.

Ordinarily, we would make calls tocheck the accuracy of such numbers.

But, as mentioned again and again, noone is talking.

Maybe now that Dako is under new own-ership by a Swedish private equity firm, thecompany will release the owners of the build-ings and the brokers who are listing themfrom their vows of silence. (See BusinessReport staff writer Kristen Bastian’s storyabout the Dako sale on page 1 of this edition.)

Then maybe, just maybe, someone canspeak up.

Editor Tom Hacker covers real estate for theBusiness Report. He can be reached at (970)221-5400, ext. 223 or at [email protected].

Mum is certainly the word on Dako’s buildingsQuestions aboutlisting fall on deafears, sealed lips

REAL ESTATETom Hacker

Courtesy www.dakoinvestment.com

STEALTH LISTING — With its very own Internet address at www.dakoinvestment.com, the three buildings that make up Danish firm Dako’s southeast Fort Collins manufac-turing site are on the block for $16.5 million.

All around me, I hear people making excuses.Worse, I hear people demeaning themselvesthrough poor introductions, when they shouldbe pumping themselves up. What’s going on?

You’ve heard me time and time again: Mar-keting isn’t logical; it’s emotional. People buyfrom you because they have confidence in you.They buy because they feel comfortable withyou, because there’s chemistry.

Therefore, the goal should be to instill thesegood feelings, not erode them.

Adrienne’s Adage No. 1:Forbid the use of “I don’tknow; I just started work-ing here last week.”

I don’t want to dealwith a newbie in a compa-ny. I want to deal withsomeone who knows whathe or she is talking about.Being new to a companyshould not be broadcast.

I’m willing to be patientwith someone who reallytries, who says, “I don’t know,but I’ll call you back with ananswer by 5 p.m.” This gives me hope, althoughcynics usually think at this point, “Yeah, right.

I’ll never hear from her again.” Then I’m morethan pleasantly surprised when she calls beforethe promised time with an answer. Impressive.Now I have someone in that company on whomI can depend.

The moral here? All that person did was whatshe said she was going to do. She positioned her-self (and her company) away from all those whohave no intention of delivering on their emptypromises, such as “I’ll get back to you.”

Adrienne’s Adage No. 2: Don’t burden oth-ers with information they don’t need to know.

“Hello, my name is John Jones and I have atiny business I started in my home three monthsago” turns me off completely. Just tell me whoyou are, what you do and how we can help each

Female entrepreneurs work together

By Kate [email protected]

Every true entrepreneur is a rugged individu-alist driven by a burning need to bring an all-consuming vision to life, regardless the cost inmoney, time, family, friends.

Or not.Sometimes, successful entrepreneurs can start

as a couple of would-be ski bums who madelemonade out of the dot-com bust, or a pair ofmoms willing to trust their instincts enough toseize an opportunity that comes out of left field.

Meet either Dianna Convey and Mary KayKennedy, owners of Fort Collins-based DataProducts & Services, or Kristina Harding andElizabeth Walker, publishers of Northern Col-orado Woman Newspaper based in Greeley, andthe hard-charging stereotypes fly out the win-dow.

“We both work hard to make family our No. 1

priority,” Walker said, and the others agreed.There are similarities: All have preteen chil-

dren, all but Convey are Colorado natives, allreadily acknowledge that the skills they bring tothe partnership complement the other’s. Bothteams run two-person shops, relying on a net-work of independent contractors and moderncommunication technology to get the job done.And both teams agree that enjoying what theydo, and working together, is at least as importantas having a successful company.

“When something goes wrong, we get mad ateach other, but then we calm down, talk about it,then move on,” Walker said. “We both know thatwhatever it takes, we’ll work it out; we won’t bailout or blame each other.”

Kennedy and Walker are the outside salesforce for their operations, bringing in newbusiness, while Convey and Hardinghandle the day-to-day operations.

“But we both answer the phone,talk to clients and take care ofwhatever they need,” Convey said,echoing Walker and Harding.

There are also differences:Kennedy and Convey had workedtogether for years at DPS before

Excuses, lack of confidence mean no sale

THE EDGE TIME OUT

Snapshots oflife outsidethe office

Page 8A

ETC.

BriefcaseRegionalbusinessdevelopmentsPage 11A

On The JobPeoplein the news,on the movePage 12A

CalendarEvents, seminarsand dates to lookforward to Page 13A

Daily in ReviewA look back at top news storiesacross the regionPage 15A

LISTSRegion’s largest:

Women-ownedbusinessesPage 9A

Cultural organizationsPage 10A

Cultural venuesPage 10A

UtilitiesPage 21A

HospitalsPage 27A

HMOs/PPOsPage 28A

Veterinary clinicsPage 33A

Communication, sharedresponsibilities createsuccessful partnerships

Photo illustration by Northern Colorado Business Report

SMALL COMPANY, BIG SERVICE — Dianna Convey, left, and Mary Kay Kennedyteamed up to turn Data Products & Services Inc. into a regional computer systemssupplier, with clients ranging from local to international companies.

Present yourself with authority, opportunities will present themselves

CustomContemporary

Our Number One Job is to Make You Look Spectacular!Classic

3710 Mitchell Drive / Fort Collins 970.226.0200 / www.palmerflowers.com

Give the gift of fresh flowers for the ordinary, and prepare to look

extraordinary!

Please join us for our Spring Open House March 31-April 1

DOABLE MARKETINGAdrienne Zoble

See ZOBLE, 35A

See WOMEN, 43A


TIME OUT

AN ANNUAL AFFAIR — 1. Council Member Diggs Brown, left, and Scott Hapner, membership account executive forthe Fort Collins Area Chamber of Commerce embrace the Old West theme of the Fort Collins Area Chamber ofCommerce Annual Dinner on Feb. 22. 2. Robert and Ann Marie Jackson, left, and Matt Brooksmith, right, of TheNeenan Co. show off their cowboy spirit to Kathy Collier, program coordinator of Climate Wise at the Fort CollinsChamber dinner. 3. Dawn Jensen, left, director of marketing and senior living at the Water Valley Senior LivingResort; Jim Jensen, director of marketing fort Water Valley; Sandra Haas, owner CBP Spine Center; and MarlaSmith, regional sales and marketing consultant for Good Samaritan/Water Valley Senior Living Resort gatheraround their table at the Windsor Chamber of Commerce Annual Dinner on Feb. 26. 4. Windsor Commons Self Stor-age owners Art and Carol Paterson spend some quality time at the Windsor Chamber dinner.

E-mail your event photos to Editor Tom Hacker, [email protected]. Include complete identification of individuals.

1

4

2 3


Largest Women-Owned BusinessesRanked by revenues

RANKPREVRANK

COMPANYADDRESSPHONE/FAX

REVENUES 2006REVENUES 2005

PERCENT OWNED BYWOMEN

EMPLOYEES 2007 PRODUCTS/SERVICES

PERSON IN CHARGETITLE OF PERSON IN CHARGE

YEAR FOUNDED

OWNER (S)E-MAIL

WEB SITE

1 1

GRAY OIL CO.804 Denver Ave.Fort Lupton, CO 80621(800) 464-4729/(303) 857-1641

$95,797,778$74,220,301

60%64 Fuel, lubes and chemicals.

Tina PowellOwner and President

1937

Tina [email protected]

2 2

CO'S BMW CENTER4150 Byrd DriveLoveland, CO 80538(970) 292-5200/(970) 292-5719

$37,000,000$29,500,000

100%45

BMW automobiles, sales, parts, service, pre-owned cars andtrucks.

Christina DawkinsGeneral manager and Owner

1974

Christina Dawkins and Rosalie [email protected]

3 3

GOOD DAY PHARMACY653 Denver Ave.Loveland, CO 80537(970) 669-7500 x7/

$18,000,000$16,000,000

60%88

Full service pharmacy, medical equipment and supplies,online refill service, prescription compounding, delivery, LTC

and ALF programs and services.

Vicki Einhellig and David P. LambCFO1985

N/[email protected]

www.gooddaypharmacy.com

4 5

PORTER INDUSTRIES INC.5202 Granite St.Loveland, CO 80538-1622(970) 667-5239/(970) 635-2566

$6,312,891$6,234,000

51%210

Commercial and residential cleaning services, with anemphasis on safer, healthy "green" cleaning programs and

"green" consulting.

Steve HendricksonPresident

1967

Marilyn [email protected]

www.porterindustries.com, www.maid-clean.com

5 6

CARLSON WAGONLIT WORLDVIEW TRAVEL610 E. 29th St.Loveland, CO 80538(970) 667-4040/(970) 667-8505

$6,024,578$5,826,368

100%15

Airline ticketing, cruises, tours, group travel, meetingplanning and train travel.

Judy Varco and Kristen OsbornOwners

1983

Kristen Osborn and Judy [email protected]

www.carlsontravel.com/loveland

6 7

COLORADO CUSTOMWARE INC.1109 Oak Park Drive, Suite 100Fort Collins, CO 80525(970) 212-4001/(970) 223-4204

$5,539,854$4,905,379

82%48

Land-records management software for recorders, assessorsand treasurers in state and local governments.

Lori SchlotterCEO, Owner and President

1989

Lori [email protected]

www.coloradocustomware.com

7 12

FRONT RANGE REAL ESTATE CONSULTANTSINC.1215 N. Cleveland Ave.Loveland, CO 80537(970) 669-9161/(970) 669-9162

$3,200,000$2,200,000

100%40

Full service valuation company, commercial, residential,resort and real estate appraisals, feasibility and consulting

services.

Julie M. O'GormanOwner and President

1999

Julie M. O'[email protected]

8 9

J-9 CROP INSURANCE AGENCY LLC216 First St.Ault, CO 80610(970) 834-1160/(970) 834-0348

$2,800,000$2,800,000

50%65 Crop insurance.

Janine Freeman and Mike FreemanOwners

1997

Janine Freeman and Mike [email protected]

N/A

9 14

LINDEN223 S. Howes St.Fort Collins, CO 80521(970) 221-3232/(970) 221-0375

$2,550,000$1,650,000

100%16 Marketing, including strategy, design and printing.

Susie Cannon and Launie ParryOwners

1996

Susie Cannon and Launie [email protected]

10 11

RISK REMOVAL INC.1925 Timberline Road, Office 1Fort Collins, CO 80525(970) 221-9121/(970) 493-7446

$2,520,000$2,400,000

70%15

Environmental abatement services, including removal anddisposal of asbestos, lead, mold, biological and chemical

hazards, and environmental cleanup.

Angelique Ortiz-HuntOwner and President

1989

Angelique [email protected]

www.riskremoval.com

11 13

WINDLION INC.1135 Eighth Ave.Greeley, CO 80631(970) 353-8430/(970) 353-9485

$1,800,497$2,002,325

100%N/A

Temporary help, professional recuiting, HR audits &consulting.

Kathy L. EganOwner1976

Kathy L. [email protected]

www.expresspersonnel.com

12 NR

MOBILITY AND MORE1447 N. Denver Ave.Loveland, CO 80538(970) 461-8400/(970) 461-8118

$1,300,000$900,000

N/A7

Home medical equipment, powerchairs, walkers, hospitalbeds, walkers, scooters, lift chairs, vehicle lifts, stair lifts and

platform lifts sales and service.

Tom Black and Kyleen BlackCEO and President

2003

N/[email protected]

www.mymobility.biz

13 NR

WORLDWIDE DATA SYSTEMS1413 N. Cleveland Ave.Loveland, CO 80538(970) 667-3545/(970) 669-9162

$1,100,000$80,000

N/A18

Phone and data wiring. DSL, telephone, CAT V, electrical -master electrician.

Pat Tracy and John StewartPartner

2004

N/[email protected]

N/A

14 NR

HORST CO. MODULAR CONCEPTS CORP.937 A St.Greeley, CO 80631(970) 353-7724/(970) 353-7774

$1,000,000$1,200,000

90%15

Custom animal enclosures and systems, including kennelruns, cages and related products.

Tracy CantrellPresident

1980

N/[email protected]

15 NR

WINDSOR VETERINARY CLINIC PC415 Main St.Windsor, CO 80550(970) 686-9664/(970) 686-9666

$915,000N/A

100%11

Full service veterinary clinic, including laser surgery,preventive medicine, and acupuncture for small and exotic

pets.

Robin Downing, DVMHospital director and Owner

1991

Robin Downing, [email protected]

www.windsorvet.com

16 16

LOPIANO'S AT THE BEST WESTERNREGENCY HOTEL701 Eighth St.Greeley, CO 80631(970) 304-0047/(970) 304-1001

$800,000$1,300,000

51%20 Off and on-premises catering service.

Sandy FarnsworthOwner1989

Sandy [email protected]

www.lopianos.com

17 NR

QUOIN DEVELOPMENT CORP. DBA LANDOWNERSHIP SERVICES2625 Redwing Road, Suite 230Fort Collins, CO 80526(970) 223-8179/(970) 204-0306

$800,000$1,000,000

50%9 KEYLand software sales, GIS mapping and data management.

Sivea Key and Scott KeyVice president and Lead mapper and

President1979

N/[email protected]

www.landownershipservices.com

18 19

THE YELLOW SCENEP.O. Box 964Erie, CO 80516(303) 828-2700/(303) 265-9654

$749,589$684,177

100%10

Monthly publication covering arts, entertainment and localissues for East County and the north Metro area. Superior,

Louisville, Lafayette, Erie, Niwot, Longmont, Lyons,Broomfield, Frederick, Firestone, Dacono, Thornton,

Westminster and Northglenn.

Shavonne BladesN/A

2000

N/[email protected]

www.theyellowscene.com

19 23

WRIGHT PET CLINIC125 B Carpenter RoadFort Collins, CO 80525(970) 593-9030/(970) 593-9121

$747,759$583,000

100%14 Veterinary care.

Mary L. WrightPresident

2003

N/AN/A

www.wrightpetclinic.com

20 NR

COMFORT KEEPERS1218 W. Ash St., Suite LWindsor, CO 80550(970) 674-0800/(970) 674-9892

$617,000$592,000

50%54

Provider of non-medical in-home care for seniors, adultsrecovering from surgery or illness. Distributor of emergency

response systems.

Karrol SteevesOwner and President

2001

Bill Steeves and Karrol [email protected]

www.comfortkeepers.com

21 22

BIO-MEDICAL JANITORIAL INC.P.O. Box 272982Fort Collins, CO 80527(970) 266-1065/(970) 266-8442

$600,000$600,000

51%35 Janitorial service and cleaning products.

Marquita Romero and Ben RomeroOwners

1998

Ben Romero and Marquita [email protected]

biomedicalcleaningsolutions.com

22 NR

TWIN PEAKS TRAVEL24133 Weld County Road 36LaSalle, CO 80645(303) 678-7080/(303) 678-9688

$600,000$900,000

100%3 Full service travel agency.

Beth SharbondaOwner and Owner/Manager

1987

Beth [email protected]

23 21

DREAM THEATER COLORADO530 W. 66th St.Loveland, CO 80538(970) 224-4484/(970) 669-1436

$536,080$603,894

46%4

Low-voltage system integrators specializing in custom-hometheaters, smart-home systems and home audio and video

systems.

Mark Hovey and Debbie HoveyOwners

1981

Debbie Hovey and Mark [email protected]

24 NR

COLOR KEY DISPLAYS INC.5803 Byrd DriveLoveland, CO 80538-8801(970) 613-2020/(970) 613-2022

$508,000$450,000

100%5

Tradeshow displays, large-format graphics, signage andbanners, vehicle graphics.

Lori BeatyOwner1997

Lori [email protected]

25 NR

L & L ASSEMBLIES INC.1804 Skyway Drive, Unit FLongmont, CO 80504(303) 532-3376/(303) 532-3379

$500,000$500,000

N/A10

Contract manufacturing, electronic and mechanical. Printedcircuit boards and wire and cable harnessing.

Bonnie PenaOwner1993

Bonnie [email protected]

N/A—Not AvailableRegion surveyed is Larimer and Weld counties.

Based upon responses to Business Report survey researched by Kate HendricksonTo be considered for future lists, e-mail [email protected]

The TwistNo. 1 based on no. of employees:Porter Industries Inc. with 210.

Customize lists at http://ncbr.datajoe.com

Looking to nail down the construction industry?Blueprints 2006Available NOW in print, online and on CD-ROM

Powered By


Largest Cultural OrganizationsRanked by no. of members

RANKPREVRANK


ORGANIZATION MEMBERSNO. OF EMPLOYEES IN REGION

ATTENDANCE 2006TICKET SALES $

VALUE 2006

OPERATINGBUDGET IN

FISCAL 2007FOUNDATIONGRANTS 2006

REVENUES 2005YEAR FOUNDED

LOCALLY HIGHLIGHTS AND MAJOR EVENTS

PERSON IN CHARGEE-MAIL

WEB SITE

1 1

FORT COLLINS SYMPHONY214 S. College Ave.Fort Collins, CO 80524(970) 482-4823/(970) 482-4858

87550

21,700175,700

$587,000$80,000$533,000

1949Masterworks Series, Symphony in the Park, A Night of Old Black Magic,Opening Night Gala, YES! youth education series and National Young

Artists competition.

Marta L. [email protected]

2 3

FORT COLLINS MUSEUM OF CONTEMPORARY ART201 S. College Ave.Fort Collins, CO 80524(970) 482-2787/(970) 482-0804

5005

15,000N/A

$360,000$140,000$416,841

1985 MOCA Studio Tour, Colorado International Invitational Poster Exhibition,Rocky Mountain Biennial Exhibit and Masks at MOCA.

Marianne [email protected]

3 2

CANYON CONCERT BALLET1031 Conifer St., No. 3Fort Collins, CO 80524(970) 472-4156/(970) 472-4158

45025

7,00092,500

N/AN/AN/A

1978Dance performances with a full season of productions each year at the

Lincoln Center, including "The Nutcracker" in December. The school offersdance training for students ages 3 and up in ballet, modern, jazz, tap and

hip hop.

Annette [email protected]

4 4

DEBUT THEATRE CO.827 Riverside Ave.Fort Collins, CO 80524(970) 224-5774/(970) 207-9256

280 B9

3,50012,840

N/AN/AN/A

1991Northern Colorado's only nonprofit young persons theatre academy and

acting company. Currently working on a performance of The PhantomTollbooth.

Lee [email protected]

www.debuttheatre.org

5 5

OPENSTAGE THEATRE & CO. INC.P.O. Box 617Fort Collins, CO 80522(970) 484-5237/(970) 482-0859

2002

15,000129,274

$321,914$66,750$254,710

1973Produces six contemporary and classical shows, plus three original and

challenging works through openstage etc. and original radio dramathrough Rabbit Hole Radio Theatre. Winner of The Governor's Award for

Excellence in the Arts.

Denise B. [email protected]

www.openstage.com

6 NR

CENTENNIAL CHILDREN'S CHORUS527 Del Clair RoadFort Collins, CO 80525(970) 226-1618/

18515

3,40015,100

$97,600$1,000

$74,0001983 Four major performances, nine other guest appearances Advanced choir

participated in International Children's Choir Festival in England

Peggy Rosenkranz; Terry Colbertand Debbie [email protected]

www.fortnet.org/CCC

7 NR

CULTURAL ARTS COUNCIL OF ESTES PARK304 E. Elkhorn AveEstes Park, CO 80517(970) 586-9203/

1501

42,000N/A

$100,000N/A

$100,0001990

Imagine This! - family arts festival each February, art in public placesexhibition series at the Estes Park Conference Center, fine art gallery

exhibit series,Thursday Night Live.

Lynda [email protected]

8 6

BAS BLEU THEATRE CO.401 Pine St.Fort Collins, CO 80524(970) 498-8949/(970) 498-9272

1505

8,10097,500

$324,979$286,200$196,134

1992$1.6 million funds raised for Capital Campaign, "Mother Courage and HerChildren," "The Swan," "Life X3," "The Dresser," "Greetings!" and Mardi

Gras Party/Fundraiser.

Matt [email protected]

www.basbleu.org

9 NR

THOMPSON VALLEY ART LEAGUE429 N. Lincoln Ave.Loveland, CO 80537(970) 663-2407/

961

N/AN/A

$83,000$0

$74,0001978

Art in the Park Arts & Craft Festival, members art shows, juried art showfor the public, public displays by membership, second Friday event

downtown Loveland.

Jeff [email protected]

www.lincolngallery.com

10 8

ROCKY MOUNTAIN YOUTH ORCHESTRA ASSOCIATIONP.O. Box 270396Fort Collins, CO 80527(970) 310-7998/

75 BN/A

N/AN/A

N/AN/AN/A

1996Holds three concerts per year, sponsors musical competitions for

students. Recently awarded $2000 prize to winning composer. The winningcomposition will be performed at the June 2006 concert.

Merete Cunningham and RobertMolison

[email protected]/YOR

11 7

COLORADO COALITION OF ARTISTS423 S. Mason St.Fort Collins, CO 80524(970) 221-3019/

68N/A

N/AN/A

$20,000N/AN/A

2003 Nonprofit art co-op, offering classes, exhibition opportunities, anddialogue between artists.

Laura [email protected]

12 11

GREELEY PHILHARMONIC ORCHESTRAP.O. Box 1535Greeley, CO 80632(970) 356-6406/(970) 352-8761

5070

8,000105,600

$500,000$28,000$382,000

1911The GPO’s 2007-2008 season will be lead by new GPO conductor, GlenCortese. The season includes 6 classical concerts, 2 Pops and 1 Family

concert with exciting programming and guest artists.

Jeanette [email protected]

www.greeleyphilharmonic.comRegion surveyed is Brighton, Larimer and Weld counties.N/A-Not AvailableB Business Report estimate


The TwistNo. 1 based on attendance in 2006:Cultural Arts Council of Estes Park with 42,000.


Largest Cultural VenuesRanked by yearly attendance

RANK PREV RANK

VENUEADDRESSPHONE/FAX

TOTALATTENDANCE

2006EMPLOYEES-FTEMPLOYEES-PT

REVENUES 2006OPERATING BUDGET IN

FISCAL YEAR 2007 HIGHLIGHTS AND MAJOR EVENTS

PERSON IN CHARGEE-MAIL

WEB SITEYEAR FOUNDED

1 1

THE RANCH5280 Arena Circle, Suite 100Loveland, CO 80538(970) 619-4000/(970) 619-4001

880,000 N/AN/A

N/AN/A

The Good Guys Car Show, Thunder in the Rockies and Larimer CountyFair.

Lisa [email protected]

www.larimer.org/theranch2000

2 2

CITY OF FORT COLLINS - PUBLIC LIBRARY - MAIN LIBRARY201 Peterson St.Fort Collins, CO 80524(970) 221-6740/(970) 221-6398

479,545 B 38 B23 B

$4,162,799 B$4,203,575 C

Materials and programs to meet informational and recreational needsfor all ages, homebound services and computer classes.

Brenda E. [email protected]

www.fcgov.com/library1899

3 6

BUDWEISER EVENTS CENTER5290 Arena CircleLoveland, CO 80538(970) 619-4100/(970) 619-4123

449,933 18225

N/AN/A

Disney on Ice, The Wiggles Live!, Collin Raye, Bill Enqvall, HarlemGlobetrotters, Colorado Chill, Colorado Eagles and more.

Katie [email protected]

www.budweisereventscenter.com2003

4 3

CITY OF FORT COLLINS - PUBLIC LIBRARY - HARMONYLIBRARY4616 Shields St.Fort Collins, CO 80526(970) 204-8206/(970) 204-8444

449,881 B 6 B45 B

N/AN/A

A joint-use facility with Front Range Community College that providesmaterials and programs, including storytimes, summer reading, music

programs in the round and International Night.

Ken [email protected]

www.fcgov.com/library1998

5 4

CITY OF LOVELAND PUBLIC LIBRARY300 N. Adams St.Loveland, CO 80537(970) 962-2665/(970) 962-2905

405,039 1532

N/A$2,370,370

Summer reading program, Traveling Storyteller in the parks,preschool storytimes, book discussons and varied programming for

children and adults.

Ted [email protected]

www.lovelandpubliclibrary.org1905

6 5

LINCOLN CENTER417 W. Magnolia St.Fort Collins, CO 80521(970) 221-6735/(970) 484-0424

242,449 1360

$2,879,000$3,225,000

Broadway (Cats, Aida, Stomp), dance (Ailey II) live music, comedy, film,classical music, family programming, art exhibits, and ArtWear

Fashion Week.

Jill [email protected]

1978

7 7

ISLAND GROVE EVENTS CENTER521 N. 15th Ave.Greeley, CO 80631(970) 350-9392/(970) 353-8881

150,000 D 1511

N/AN/A

Greeley Stampede, Colorado Farm Show, Sportsman Show, AmericanConcrete & Pavement Conference, Cinco De Mayo, Weld County Fair,

multiple kennel club shows and youth conferences.

Tom [email protected]

1869

8 8

UNION COLONY CIVIC CENTER701 10th Ave.Greeley, CO 80631(970) 350-9768/(970) 350-9475

112,568 1060

$800,000$1,600,000

Lily Tomlin, The Producers, Hairspray, Cats, Mannheim Steamroller,Amy Grant, Spirit of Christmas, Defending the Caveman, Last Comic

Standing, Clifford the Big Red Dog, Alvin Ailey Dance, Riders in the Sky,Chinese Acrobats, Greeley Philharmonic, Jazz Fest, George Carlin, U.S.

Air Force Band and Festival of Trees.

Mark [email protected]

www.ucstars.com1988

9 9

LOVELAND MUSEUM - GALLERY503 N. Lincoln Ave.Loveland, CO 80537(970) 962-2410/(970) 962-2910

68,000 D 9N/A

N/A$789,900

Art classes for all ages, diverse programs and performances, summerconcerts and outdoor art markets, poetry workshops and readings,

local history exhibits, regional, national and international artexhibitions, cherry pie celebration.

Susan P. [email protected]

1946

10 NR

CITY OF GREELEY MUSEUMS714 Eighth St.Greeley, CO 80631(970) 350-9220/(970) 350-9570

50,246 1225

$365,000$1,500,000

Four museums, including the Meeker Home, Plumb Farm LearningCenter, Greeley History Museum, and Centennial Village. 350 events a

year, museum school classes, concerts, lectures, living historyfestivals, archival research assistance, and changing exhibits.

Regional Folklore program w/Colorado Council on the Arts.

Chris [email protected]

1929

11 10

RIALTO THEATER228 E. Fourth St.Loveland, CO 80537(970) 962-2421/(970) 962-2422

42,964 22

$122,932$317,680

Expansion of box office & upgraded ticketing system, addition ofonline ticketing.

Jan SawyerN/A

www.cityofloveland.org1920

12 12

FORT COLLINS MUSEUM200 Mathews St.Fort Collins, CO 80524(970) 221-6738/(970) 416-2236

40,000 38

N/AN/A Boxelder Schoolhouse, Wild West Days and Early American Home Arts.

Cheryl [email protected]

www.fcgov.com/museum1941

Region surveyed is Brighton, Larimer and Weld counties.N/A-Not AvailableB Library estimate. 2006 numbers have not yet been calculated.C Library estimate for both Main and Harmony branches.D Business Report estimate


The TwistNo. 1 based on no. of full-time employees:City of Fort Collins Public Library - Main branch with 38.



BRIEFCASEKUDOS

United Way of Larimer County announced its2006 campaign awards winners: Larimer County,winner of Results Matter; Ehrhardt Keefe Steiner &Hottman, winner of Partnerships Matters; New Bel-gium Brewing Co., winner of Leadership Matters;and Dellenbach Motors, winner of Community Mat-ters.

The International Association of AssistanceDog Partners has awarded Windsor Veterinary Clin-ic the Spirit of Partnership Award for its efforts toensure the health and well-being of assistance dogs.

Front Range Roofing Systems LLC in Greeleyreceived two awards last month from the ColoradoRoofing Association. Front Range earned second placefor its work at the Great Western Sugar Plant in FortMorgan, and earned honorable mention for the workdone at two regional schools and the University ofNorthern Colorado’s Michener Library in Greeley.

Realities For Children recently received approxi-mately $3,000 from two restaurant chains in FortCollins. Noodles & Co. donated nearly $1,000 for Reali-ties’ Triumph Awards Scholarship Endowment fund, andOld Chicago donated more than $2,000 to benefit thecharity’s NightLights Fund. Realities For Children Inc. isan alliance of local businesses working together toserve the needs of abused children.

NAME CHANGE

RealLearn Designs in Wellington has changed itsname to Catalyst Development Group. The human-resources development company helps organizationsfind, manage, develop and retain their employees. Addi-tional information may be found atwww.catdevgroup.com.

NEW PRODUCTS AND SERVICES

Sunlawn in Fort Collins has released its SunlawnLMM Push Mower. The pollution-free mower features afive-blade cutting system and cuts a 16-inch swath. Moreinformation is available at www.sunlawn.com.

Colorado CustomWare Inc. in Fort Collins haslaunched its new Web site at www.coloradocustomware.com. CCI provides integrated Land RecordsManagement solutions to recording, assessment andcollections professionals.

The Consumer Credit Counseling Service in FortCollins has announced its new MoneySense FinancialHealth Center. MoneySense offers free money workshopsto help individuals get the tools needed to become finan-cially healthy, create a personal spending plan, andunderstand available financial resources. Contact KathyCox at (970) 494-3307 to schedule a workshop.

Fort Collins-based U.S. Career Institute has addedPatient Care Technician to its distance-learning curricu-lum. Students learn to perform multiple tasks includinghow to mobilize a patient, communicate effectively andassist with dietary needs. Visitwww.uscareerinstitute.com for more information.

NEW LOCATION

Sand Creek Post & Beam has opened a new dealer-ship in Fort Collins. Sand Creek provides complete post-and-beam barn kits with varying options and styles. Visitwww.sandcreekpostandbeam.com for more information.

All Business Machines Inc. and All-In-One Com-puter Services have moved to the same location at 201N. Lincoln Ave. in Loveland. All Business Machines sellsand services printers and copiers, All-In-One ComputerServices sells, repairs and upgrades desktop and laptopcomputers.

DEALS

Vectra Bank Colorado has joined with AmegyBank of Texas to launch a regional energy bankingoffice in Denver. The banks, both affiliates of Zions Ban-

corp. headquartered in Salt Lake City, will provide a suiteof energy banking services including lending, treasurymanagement, commodity risk management and trustmanagement for oil, gas and other mineral properties.

DEADLINES

The Fort Collins Human Relations Commission isaccepting nominations for its annual Human RelationsAwards. The award categories include Police and Emer-gency Services, Senior Award, Adult Award, Youth Award,Nonprofit Organization and For-Profit organization. Visitwww.fcgov.com/hra or call (970) 221-6819 for more infor-mation. The deadline for nominations is March 31.

Accounting firm Ernst & Young is accepting nomi-nations for Entrepreneur of the Year. Nominations may

be submitted at www.ey.com/us/eoy through March 30.The awards ceremony for the Rocky Mountain region isscheduled for June 21, at the Denver Center for Perform-ing Arts.

ANNIVERSARIES

Adrienne Zoble Associates Inc. celebrated its30th anniversary last month. The marketing, advertisingand public-relations firm for small and growing busi-nesses began business in New Jersey and has now beenin Fort Collins for more than five years. Zoble conductsa monthly marketing forum and writes a monthly col-umn for this publication.

— Compiled by Noah Guillaume

Nonprofit notes

The city of Fort Collins has awarded $35,725to 21 organizations from the city’s Cultural Devel-opment & Programming and Tourism Accounts.Recipients included Horsetooth Productions forthe Tri-Media Film Festival; Read On! Fort Collins;Northern Colorado Intertribal Powwow for the15th Annual Spring Contest Powwow; Fort CollinsCinco de Mayo; and TEAM Fort Collins for theNinth Annual Horsetooth Swim. Visitwww.fcgov.com/fortfund for the complete list, pro-gram information and applications.

ACADEMICS

Patricia Buschjost of Love-land High School has beennamed National Assistant Princi-pal of the Year. The honor comeswith a $5,000 award for herschool or for professional devel-opment.

ENGINEERING

Meadowlark Optics Inc. in Frederick has added JayAhling to its engineering development group as seniormanufacturing engineer. Ahling will work on liquid crys-tal device manufacturing improvements, metrology andqualification; as well as contribute in LCD test, charac-terization and quality support roles.

HEALTH CARE

Dawn Jensen, former director of patient and pub-lic relations for Clinix Health Services of Centennial, hasbeen named director of market-ing and senior living for theGood Samaritan Society WaterValley Senior Living Resort, slat-ed to open spring 2008, in Wind-sor.

REAL ESTATE

Mike Eyre has joined TheGroup Inc. Real Estate as a com-mercial broker associate/part-ner. Eyre will be located at theHarmony Road office in FortCollins. Cheryl Munger hasjoined The Group’s Greeley officeas a broker associate. ShelleyKerr, a partner/broker associatefor The Group, has completedthe International Real Estate forLocal Markets course — arequirement for a CertifiedInternational Property Specialistdesignation.

The Home Builders Associa-tion of Northern Colorado hasselected Janna Scharf of KellerWilliams Realty in Fort Collins asits Rookie New Home Salesper-son of the Year for 2006 and rec-ognized her achievement of $2.5million in new home sales at thecompany’s award ceremony lastmonth.

Laurel Bravdica andElyssa Blazier of Village Homeshave been named Sales Team ofthe Year in Northern Colorado bythe Home Builders Associationof Northern Colorado for thefourth year in a row.

Dave Werner, managingbroker for Re/Max Alliance inLoveland, has completed theCertified Luxury Home Market-ing Specialist course, makinghim a member of the Institutefor Luxury Marketing. Wernerhas been a broker for 27 years.

Steve Balmer, broker asso-ciate with Coldwell Banker Resi-dential Brokerage in Fort Collins,has been honored with the 2006Rising Star Award recognizingsuperior sales achievement by afirst-year real estate agent.

CONSTRUCTION

Landscape architecture firm VF Ripley AssociatesInc. in Fort Collins has promoted Cathy Mathis to thenewly created position of director of entitlement ser-vices. Mathis will be responsible for initial client con-tact, working with municipalities to ensure a smoothproject review and approval process, marketing and themanagement of projects and staff.

Bob Peterson, president of Fort Collins-basedAssociates in Building & Design Ltd., has been namedColorado’s state representative to the National Associa-tion of Home Builders Executive Committee. Petersonwill be the sole representative for the home-buildingindustry throughout the entire state.

FINANCE

Union Colony Bank in Greeleyhas promoted Chad Cummins toassistant vice president, depositoperations manager. Cumminshas been with Union Colony forfive years and was formerlysales support manager.

Citadel Advisory Group inFort Collins has hired David K. Smith as director offinancial and accounting relations. Smith will serve as aliaison with clients’ accounting and taxation advisers inthe areas of valuation and transaction structure.

MEDIA/MARKETING

Chris Rudin has joined Mountain Media in FortCollins as a production manager. Mountain Media pro-vides printing, graphic design, bindery and mailing ser-vices.

Christine Herbert hasjoined Burns Marketing Commu-nications in Fort Collins as a pub-lic-relations specialist. Herbertwill work with Burns’ public-rela-tions team to design and imple-ment campaigns for the firm’slocal and national clients.

TECHNOLOGY

Todd Hochwitz, a design engineer with TechnicalMandala in Fort Collins, took first place in a microcon-troller design contest with his automated window blindcontroller. San Jose, Calif.-based ZiLOG held the contestfor its new 16-bit ZNEO microcontroller.

Tamara Burns has joinedAccounting Systems Inc. in FortCollins as the marketing andclient relations manager. She willbe responsible for helping ASIobtain new clients and keep cur-rent clients content.

MISCELLANEOUS

Scott Hapner, membershipaccount executive at the Fort Collins Area Chamber ofCommerce, was honored by the American Chamber ofCommerce Executives as the second-highest-producingchamber representative in the country in the largechamber category. Hapner joined the chamber in April2005.

If you have an item to share about a promotion,job change or career news of note,e-mail it to Noah Guillaume [email protected], or mail it to On TheJob at NCBR, 141 S. College Ave., Fort Collins,CO 80524.

— Compiled by Noah Guillaume


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CALENDARMARCH

March 19 — NoCoNet, from 8 to 10:30 a.m., FaithEvangelical Free Church, 3920 S. Shields St. in FortCollins. NoCoNet is a networking group of employeesseeking new or advancing career opportunities forNorthern Colorado businesses. The group meets everyMonday. Contact: Bevan Noack at (970) 282-7884 [email protected].

March 20 — Fort Collins Technology Incubator pre-sents Northern Colorado Technology Roundtable, from 8to 10 a.m., Home State Bank Community Room, 303 E.Mountain Ave. This month’s presentation will showcaseSolix Biofuels of Fort Collins and RoadNarrows Roboticsof Loveland. Please RSVP. Cost: Free. Contact: Kent Gneit-ing at (970) 221-1301 or [email protected].

March 20 — Introduction to Importing, from 8:30a.m. to 12:30 p.m., World Trade Center Denver, 1625Broadway, Suite 820 in Denver. Understand the import-ing procedures, shipping regulations and customsissues involved with bringing products in the UnitedStates. Cost: $100/WTC member, $125/non-member. Con-tact: (303) 592-5757 or www.wtcdn.com.

March 20 — Intermediate Importing, from 1 to 5p.m., World Trade Center Denver, 1625 Broadway, Suite820 in Denver. This class builds off the morning classand introduces the more advanced topics of importing— record keeping, Incoterms and import valuation. Cost:$100/WTC member, $125/non-member. Contact: (303)592-5757 or www.wtcdn.com.

March 21 — City of Fort Collins presents Rolling intoSpring: Resources for Bicycling in Fort Collins, from 7 to9 p.m., Fort Collins Senior Center, 1200 Raintree Drive.Learn about local bicycling clubs, commuter bike routes,recreational rides, safety tips, and this year’s scheduleof bicycling programs and events. Enjoy bicycle give-aways. Cost: Free.

March 22 — Monfort College of Business & StateFarm presents Greeley Chamber of Commerce BusinessBefore Hours, from 5 to 7 p.m., University Northern Col-orado’s Kepner Hall, Eighth Avenue & 17th Street. Cost:Free. Contact: (970) 352-3566.

March 22 — Small Business Network, from 9 a.m. to10:30 p.m., Longmont Chamber Center, 528 Main St. inLongmont. It’s never too late to talk taxes - it’s onlyMarch! Hear from an expert what you need to considerwhen turning in your taxes this year. Continental break-fast sponsored by Elevations Credit Union. RSVP byMarch 21; limited seating. Registration Deadline: March21. Contact: Mary Wellman or Scott Cook at (303) 776-5295 or [email protected].

March 22 — Mountain States Employers Counciloffice opening, from 4 to 7 p.m., 2038 Vermont Drive inFort Collins. Wine, beer and hors d’oevres will be servedto celebrate the opening of the northern regional office.Please RSVP. Contact: Becky Richardson at (970) 223-4107 or [email protected].

March 23 - 24 — Northern Colorado Writers Confer-ence, Fort Collins Hilton, 425 W. Prospect Road. Hearbestselling author Sandra Dallas, motivational speakerJim Davidson, attend the free trade show, and visit withfavorite authors and professional in the industry. Cost:$259 until March, $275 thereafter. Contact: Kerrie Flana-gan at (970) 282-7754 or [email protected].

March 27 — How to Hire Safe, Honest & CompetentEmployees, from 8 to 10 a.m., Fort Collins Marriott, 350 E.Horsetooth Road. Key points include reasons for theneed to screen, why employers desire to screen, negli-gent hiring and retention, how to reduce risk and liabil-ity, and information on the new I-9 requirements for2007. Contact: Employment Solutions at (970) 407-9675or [email protected].

March 27 — Character Fort Collins implementationseminar, from 8 a.m. to 4:30 p.m., Larimer County Sher-iff’s Office Training Facility, 2501 Midpoint Drive in FortCollins. The seminar provides a formalized method ofemphasizing, requiring and recognizing positive charac-ter in any organization. Cost: Call for pricing. Contact:(970) 226-2671 or [email protected].

March 28 — Rules of the Road: A Common SenseSeminar on Investing, starting at 5:30 p.m., 172 N. Col-lege Ave., Suite B in Fort Collins. The seminar will coverthe keys to investing, quality investments, price, diversi-fication, long-term investing, losses and care decision-making. This seminar is for women only. Contact: LauraArbury at (970) 484-2280.

March 28 — City of Fort Collins presents Nature NextDoor: Discover New Places, from 7 to 9 p.m., Fort CollinsSenior Center, 1200 Raintree Drive. Discover the uniqueand special qualities of local natural areas during thisvirtual tour. Learn about recreation opportunities, nat-ural features and safety at little-known sites as well aslittle-known sites as well as local favorites. Cost: Free.

March 28 — Workers’ Comp Safety Seminar Violencein the Workplace, from 11:30 a.m. to 1 p.m., LongmontChamber Center, 528 Main St. in Longmont. RegistrationDeadline: March 26. Contact: Mary Wellman or ScottCook at (303) 776-5295 or [email protected].

March 29 — UNC Foundation & Alumni Association,Monfort College of Business, Monfort Institute and NCBRpresents Business Plus Speaker Series, from 7 to 8:30a.m., University Center Panorama Room, 2045 10th Ave.in Greeley. The featured guest speaker is Kai Ryssdal,

host of Marketplace radio show, heard on KUNC, 91.5.Cost: $15. Contact: UNC Alumni Association at (970) 351-2551.

March 29 — ITX Lunch ‘n Learn Network Security 101,from 11:30 a.m. to 1 p.m., The Moot House Restaurant,2626 S. College Ave. in Fort Collins. Topics will includesecurity breaches, who is at risk, who the bad guys are,and how to protect your data. Cost: Free. RegistrationDeadline: March 23. Contact: Marge Brodahl at (970) 282-7333 or [email protected].

March 30 — Get More Done using ACT!, from 8:30a.m. to 12:30 p.m., 8245 W. I-25 Frontage Road in Freder-ick. Learn to get more out of ACT! Contact Manager.Cost: $189. Contact: Allison Yacht at (303) 774-8202 [email protected].

April 4 — Fort Collins Coloradoan presents Envision:Young Professionals, 1300 Riverside Drive. For young

professionals in Northern Colorado who want to learnabout their community, educate themselves on issuesfacing young professionals, meet their peers and col-leagues, put themselves in front of decision makers andtoday’s leaders and who want to have fun! Contact: (970)482-3746.

April 4 — City of Fort Collins presents Trees forNorthern Colorado, from 7 to 9 p.m., Fort Collins SeniorCenter, 1200 Raintree Drive. Learn to select the righttree for your landscape. Discover the common and not-so-common trees that can be grown successfully in FortCollins – a designated Tree City USA for 28 years – andNorthern Colorado. Cost: Free.

April 5 — Compass Bank presents Loveland Cham-ber of Commerce Business After Hours, starting at 5:30p.m., 5275 McWhinney Blvd. Cost: $12 if pre-registered,$15 at the door. Contact: (970) 667-6311.

All’s quiet on the community bankfront when it comes to merger activity.

Northern Colorado’s cache of commu-nity banks continues to grow, but mergeractivity of late hasbeen with the “bigguys.”

Most recently,Compass Bank’s par-ent company, Com-pass Bancshares Inc.,announced it enteredinto an agreement tobe purchased bySpain-based BancoBilbao VizcayaArgentaria. The deal,valued at $9.6 billion, will result in a bankwith $47 billion in total assets. Banco Bil-bao currently operates Texas State Bankand Laredo National Bank in Texas, BBVABancomer USA in California and BancoBilbao Vizcaya Argentaria in Puerto Rico.

A request for information regarding theimpact of the merger of local markets wasnot returned in time for publication. Thepress release announcing the purchaseindicated that Banco Bilbao intends tomerge its U.S. banking affiliates with Com-pass.

The Compass deal isn’t closed yet, andso there is little information availableabout the local impact. However, anotherlarge deal has already been closed, eventhough there are few signs of the change,yet.

Wachovia debutsBy the end of the year, the signs at

World Savings Bank’s branches in FortCollins and Greeley will read Wachovia.The company operating the nation’sfourth largest bank closed on the deal topurchase Golden West Financial Corp.,holding company for World Savings, inOctober. Charlotte, N.C.-based Wachoviahas more than $518 billion in assets.

Wachovia spokesman Joe Stroop saidthat the company will complete the bank-ing integration sometime in the fourthquarter, most likely in the fall. And there

will be some changes in store.“World Savings chose a business model

that has been incredibly successful forthem,” Stroop said. “They chose to have alimited product set for their customers.”

The bank, with 35 branches in the stateincluding two in Northern Colorado, heldthe third largest amount of deposits inColorado as of the June 30 deposit marketshare report from the Federal DepositInsurance Corp. Its more than $5 billion indeposits accounted for 6.62 percent of themarket.

World Saving’s single Fort Collinsbranch still made it in the top 10 forLarimer County’s deposit market share.The bank had $141.7 million in deposits,or 3.58 percent of the market share,putting it at No. 8.

The bank wasn’t as aggressive in WeldCounty, where it also operates one branch.It ranked No. 12 in market share with$68.8 million in deposits and 2.3 percentof the market share.

Stroop explained that World Savingsbusiness model called for a limited num-ber of services so that it could focus ontwo keys — very competitive certificate ofdeposit rates and a “strong, safely-run”option adjustable rate mortgage.

ARM liabilityStroop said that the negative publicity

surrounding option ARMs did not extendto World Savings. He explained that thebank’s loan officers where very careful toexplain the product and were in contactwith ARM customers on an almost-monthly basis to ensure there were fewproblems.

Foreclosure data from the countyclerks’ office, from Feb. 14 thru Feb. 27World Savings held none of the 92 newforeclosures in Larimer and Weld. Stroopadded that World Savings solid ARM port-folio was one of the reasons it was anacquisition target.

Wachovia’s banking model is still highlyfocused on retail services — such as cer-tificates of deposit — but it varies fromWorld Savings. Wachovia offers a fullrange of banking services — from loans tosmall, medium and large businesses towealth management. Its branches eveninclude representatives from Wachovia’sinvestment firm.

Mega-mergers will spawnnew signs to match times


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Rents, vacancies highest in LovelandDAILY IN REVIEW

Editor’s note: Daily in Review is a partialdigest of stories reported in the BusinessReport Daily online service between Feb. 26and March 9. Follow Business Report Dailyeach day at www.ncbr.com — click on“Breaking News” on the home page — orsubscribe to have each day’s top items deliv-ered to your inbox.

Loveland had the highest multi-familyhousing vacancy rate in Northern Coloradoin the fourth quarter of 2006 and the city’shighest since the first quarter of 2005.

A report sponsored by the ColoradoDivision of Housing showed that Love-land’s vacancy rate was 10.6 percent, anincrease from 8 percent in the third quarter.Year-over-year comparisons using thereport are not available, since this is the firsttime fourth quarter data was collected.

Fort Collins and Greeley both experi-enced declines in their quarter-over-quartervacancy rates. Fort Collins’ rate decreased .6of a percentage point to 8.3 percent. Greeleyreported the lowest vacancy rate in North-ern Colorado with 7.2 percent, down from7.3 percent in the previous quarter.

The three main market areas in North-ern Colorado - Fort Collins, Loveland andGreeley - were separated by about $100 foraverage rent. Loveland had the highest inthe fourth quarter at $827.68, while FortCollins’ average rent was $724.70, and Gree-ley’s was $624.78.

Longs Drug to close Colorado storesWALNUT CREEK, Calif. — Longs Drug

Stores Corp. (NYSE: LDG) will close allnine of its Colorado stores, including threein Fort Collins and one in Greeley, as part ofa company restructuring.

No specific dates were announced as towhen the 31 stores in Colorado, Oregon,Washington and California would actuallyclose but a company statement said the Col-orado stores would be classified as “discon-tinuing operations” in the first quarter of2008.

Greeley gets brandedGREELEY — Greeley ... Great. From the

ground up.That’s the city’s new “destination brand,”

unveiled Feb. 28 in a ceremony at the StateFarm regional headquarters. The phrase ispart of a new branding campaign commis-sioned by a group consisting of a number ofbusinesses and organizations, including theGreeley Chamber of Commerce and thecity.

The chamber headed up the effort toraise the $76,000 to hire professionalbranding consultants, Nashville, Tenn.-based North Star Destinations.

Employers to expand in Larimer CountyLarimer County can look forward to 155

new jobs and $9.9 million in investmentsfrom 25 small primary employers based inthe area over the next three years.

Those are some of the findings of theNorthern Colorado Economic Develop-ment Corp.’s small primary employerresearch project. Last fall, the agency begansurveying 25 Larimer County-based busi-nesses that employ 10 to 25 workers. Thesurveys showed 67 percent of the business-es planned to add employees over the next

three years. Of those expecting expansion,42 percent are in the manufacturingbusiness and 29 percent fall into the profes-sional, scientific and technical services cate-gory.

In addition to new jobs, the businessessaid they expect their expansions willrequire about 43,500 square feet of newfacility space.

The surveys also revealed that employersare generally optimistic about the economy.

Of the 25 businesses included in the pro-ject, 14 said they expect the regional econo-my to improve during the next two yearswhile nine said the economy would be thesame and only two said they expected theeconomy to decline.

AE closes German plantFORT COLLINS — Advanced Energy

Industries Inc. (Nasdaq: AEIS) will close amanufacturing center in Germany and

transfer those operations to plants in Shen-zhen, China, and Fort Collins, the companyannounced March 2.

Advanced Energy makes power controlsystems and other technologies used in themanufacturing process for semiconduc-tors, flat panel displays, data storage sys-tems, solar cells and architectural glass. Thecompany employs about 600 people in FortCollins.

Sixty-five manufacturing employees atthe plant in Stolberg, Germany, will be laidoff with the closure. Design, sales and ser-vice employees will be transferred to AE’soffices in Filderstadt, Germany, and to FortCollins.

Year in the makingIn January of last year, Fort Collins and

Windsor signed an intergovernmentalagreement to cooperate on land use anddevelopment at the I-25/392 interchange.The interchange is considered “failing” bythe Colorado Department of Transporta-tion, and no additional development is cur-rently allowed in the immediate vicinity.

Since last summer, the two municipali-ties have been working with landowners,local business owners and other interestedparties to develop a plan that would fundimprovements to the interchange and makethe area developable—a result that wouldbenefit landowners and both cities.

The cities have viewed the rapidlyexpanding Centerra development a few

miles to the south as a siphon of sales-taxrevenue that could — at least in part — beflowing to them.

CDOT, for its part, is monitoring theproject and providing consultation. Thestate agency says it likely will have nomoney to put toward the project for theforeseeable future but Gloria Hice-Idler, aCDOT spokeswoman, said $1.8 million infunds earmarked for safety improvementsfor the interchange might become availableto help get the funding ball rolling.

“We are limited in what we can do,” shesaid. “There’s really no money available fora project of this magnitude.”

Chicken-and-eggLandowners and potential developers

see themselves in a chicken-or-the-egg sce-nario regarding the interchange. Develop-ment cannot occur until the interchange is

improved, but the interchange can’t beimproved until development takes place.

David Muth, a Realtor with The Groupin Fort Collins, said he’s not happy with theproject as it currently stands. “It’s a definiteneed and a great area,” he said. “It’s just amatter of coming up with a funding mech-anism that can work.”

Muth, whose father, Tom Muth, is devel-oping Ptarmigan Business Park at the inter-change’s northeast quadrant, said it’s beenencouraging seeing the cities and landown-ers sitting down at the same table to try towork out a funding solution. But the pre-ferred funding package put forward by thecities – focusing on landowners and develop-ment – “just doesn’t make sense,” he said,noting that residents from all over the regionwill benefit from a better interchange.

“They (Fort Collins, Windsor and CDOT)need to be bigger players in this,” he said.

Patience testedMeanwhile, landowners are losing

patience with the project. Terry and MaryVan Cleave, who would like to develop 40acres of their property near the inter-change’s southwest quadrant, recently sentan e-mail to project planners expressingtheir disappointment with a project theyhad high hopes for just a few months ago.

“As property owners, we are personallydisappointed in the amount of time andmoney spent for (the consultants, BBCResearch and EDAW) to study the I-25/SH392 Interchange Improvement Planand come up with nothing more than a fewproperty owners paying the $22 millionbill,” the e-mail said. “The interchange isnever going to be replaced if the cities ofFort Collins and Windsor and CDOT donot play a much larger role.”

Landowner representative Couch said hetried to get project planners to considerimproving the interchange in three separatephases to spread out costs and help getsome development under way. But that ideawas rejected, he said.

“Basically, they’ve decided it’s all-or-nothing, and it’s $22 million and that’s it,”he said. “It’s become this huge public worksproject with the landowners paying for it.”

Couch said landowners are starting tolose hope that anything will emerge fromthe effort that will help them develop theirproperty within the next five to 10 years.

“It feels like (project planners) killed whatwas a good start,” he said. “Right now, every-body’s feeling like why did we even bother?”

Square one again?Couch said that seems to put things back

to square one, when landowners’ best hopewas that a single big developer would comealong and shoulder the costs of a largedevelopment near the interchange. But thatseems less and less a possibility with theongoing expansion of Centerra, whichrecently announced yet another 110-acredevelopment called Grand Station set toopen in Fall 2009.

“It just makes it that much more difficultto do something (at I-25/392),” Couch said.

Although disappointed, Muth said hedoesn’t believe the project is back where itstarted. “I don’t believe we’re back to squareone,” he said. “At least people are coming tothe table. I’m still trying to take a positiveoutlook.”

Muth said the preferred funding meth-ods “are just ideas on the table” and otherideas – including some kind of public fund-ing – need to be looked at.“You’ve got to start somewhere but they’recertainly not all the tools that could beused,” he said.

And that’s something project plannerscan agree with.“We haven’t closed the doorsto anything yet,” said Windsor PlanningDirector Plummer.


BlogsOur editors and publishers

explain it all for you, severaltimes a week. In Woody’s World,publisher Chris Wood takes onbusiness issues from a NorthernColorado perspective; Noah’sArk-ive lets Web editor NoahGuillaume crunch data from dis-parate sources until some of itmakes sense; NoCo Politico ClintSkutchan crosses over fromNewstalk1310 KFKA to provideinsight and oversight of the polit-ical landscape. And why, yes, it isAll About M.E. — Managing Editor,that is — where Kate Hawthorneshares her thoughts, and thecontents of her inbox.

CalendarSearch for upcoming events in the business world.

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Public recordsEverything you’d ever need to

know about bankruptcies, taxliens, civil judgments, foreclo-sures, new business filings andpatents issued to inventors inLarimer and Weld counties.

Regional economicindicators

Northern Colorado BusinessReport economist John Greentracks a variety of numbers andexplains what they mean to theregion. He shares his data here.

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traded companies important toNorthern Colorado.

PodcastListen and download regular

radio and TV broadcasts fromEditor Tom Hacker, who appearson KUNC FM in Greeley everyThursday morning; ReporterKristen Bastian, who recaps busi-ness headlines every Tuesday onKGWN Channel 5; and Publisher

Chris Wood,master of theshort form,on 1310 KFKAeach week-day morning.

On the moveBookmark

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141 S. College Ave. Fort Collins, CO 80524

To advertise, call (970) 221-5400

or e-mail [email protected]

HIGHWAY 392, from 3A

Funding sourcesFour preferred funding methods would raiseabout $2 million a year over 20 years to payfor the $22 million in interchange improve-ments and debt service. They include:

n Special assessments--$19 million (41 per-cent)n Impact fees--$2.9 million (6 percent)n Property taxes--$7.5 million (16 percent)n Public Improvement Fee--$17.4 million (37percent)Total — $46.8 million (includes interest)

SOURCE: BBC RESEARCH AND CONSULTING


AUTOMOTIVE

By Cari [email protected]

With big growth comes big opportunity.Auto dealerships in Northern Colorado

are capitalizing on that growth, making bigmoves from smaller, land-locked urban lotsfor new-and-used cars to considerablymore room at spacious new motorplexes.

But what is happening to the vacatedspots these dealerships leave behind?

Loveland has two sites available for rede-velopment, one vacated by Ferrero AutoCenter Inc., now Ferrero I-25 Chrysler JeepDodge, and another left behind by David-son Chevrolet-Buick-Pontiac, both ofwhich left Lincoln Avenue space behind torelocate to the Motorplex at Centerra.

Likewise, Greeley and Windsor havespaces to fill that were occupied by theChampion Auto Group before those dealer-ships relocated to the Iron Mountain Auto-plex that Champion owner John Chamber-lain opened on Windsor’s southern gatewayat U.S. 34 and Weld County Road 17.

BMW dealer Co’s International MotorCars two years ago blazed the trail to the 80-

acre Motorplex at Centerra, southwest ofInterstate 25 and Crossroads Boulevard, asthat complex’ first dealer.

Ted Shepard, chief planner for FortCollins, isn’t concerned about the future ofthe space Co’s vacated on College Avenue.Businesses are always growing and expand-ing and it doesn’t take long before anotherbusiness capitalizes on the newly availablespace.

“We have a pretty dynamic market,”Shepard said.

An existing Fort Collins business, BCAutomotive Services, has already moved upfrom its old location on the city’s southernedge and into the old Co’s BMW location at2849 S. College Ave. Co’s still operates a pre-owned car lot in Fort Collins and sharesthat lot with BC Automotive.

But even if that parcel of land wasvacant, almost any kind of business couldmove in. Zoning for the locations of the olddealerships dictate what kind of establish-ment can take up residence at the sites.

The old Co’s BMW location falls in the“C” (commercial) zone, one that accom-modates almost any use, including residen-tial, public uses such as parks, places ofworship, commercial/retail spaces, orindustrial use.

“We don’t look at Co’s leaving as any dif-ferent as, say, a furniture store leaving,”Sheppard said with regard to what could fillin the left behind space.

And the City of Fort Collins doesn’t haveto worry about losing revenue from the saleof new BMWs at the old Co’s location. Infact, sales tax “leakage,” a frightening con-cept for Fort Collins civic leaders, doesn’teven apply to the case of Co’s relocation,nor does it pose problems for other citiesthat have lost auto dealerships to themegaplexes.

Cities still receive the tax revenue of carpurchases made by their residents becausethe tax collection is based on where thebuyer lives. So even if a Fort Collins residentpurchases a car from Centerra’s new autocenter in Loveland, Fort Collins still receivesthat tax revenue.

The old Ferrero location at 2600 N. Lin-coln Ave. in Loveland was sold in late Feb-ruary, said Ryan Ferrero, owner of theChrysler Jeep Dodge dealership.

The land went to a land liquidator, andFerrero said it will likely go to a brokeragefirm like The Group Inc. Real Estate orRealtec Commercial Real Estate Services tofind a user for the space.

It is still a toss-up as to what could takeover a site that is surrounded by mixed-usedevelopment but the leading contenders area church or use as professional office space,such as lawyers or small doctor’s offices,Ferrero said.

Ferrero’s dealership has settled nicelyinto its new home after 29 years at its oldlocation, with Ferrero charting a 204 per-cent increase in new sales for February.

But Ferrero said he is sentimental aboutthe parcel of land he left behind and wantsto do as much as he can to make sure noth-ing “inappropriate” will move into the site.

“The old location is off the beaten path,which makes it different from other dealer-ships,” Ferrero said. “We want to make sureit won’t become a high-traffic use area. Wedon’t have a say really but we can give ouropinion anyway since we were there for solong.”

But Ferrero said he has confidence thatLoveland planning officials will “picksomething appropriate and not congest thearea.”

Empty lots present big redevelopment choicesAutoplex magnetsdraw auto dealersaway from cities

“We don’t look at Co’s leaving as any different as, say, afurniture store leaving.”Ted Shepard,Chief planner,City of Fort Collins


ENERGY

By Kim [email protected]

The impact of the oil and gas industryon Weld County has only increased inrecent years and should continue to grow inthe years to come, thanks to some recentregulatory changes.

The county is home to the WattenburgField, which extends from Greeley toBrighton and Longmont to Keenesburgand produces enough natural gas andcrude oil in one minute to heat five homesfor a year. In December 2005, the ColoradoOil and Gas Conservation Commissionpassed an amendment to Rule 318A allow-ing oil and gas operators to increase thenumber of wells on 160 acres in the Wat-tenburg Field, which is part of the Denver-Julesburg Basin.

The amendment, which allows forapproximately 5,000 additional wells in theprolific field, expanded drilling operationswhile still protecting the interests of thegrowing communities in the area.

Weld County wells producing rural prosperityOil and gas industrymajor contributor tolocal taxes, economy

SOURCE: COLORADO GENERAL ASSEMBLY, BUSINESS REPORT RESEARCH, PHOTO BY NORTHERN COLORADO BUSINESS REPORT

Drilling impact bill before LegislatureHouse Bill 1223, which would change the way oil and gas drilling is regulated in Colorado, was

formally introduced March 8.Sponsored by Rep. Kathleen Curry, D-Gunnison, the bill would require the Colorado Oil and Gas

Conservation Commission to work with the state Department of Public Health and Environment toaddress public health, wildlife and environmental issues linked to waste fluids from wells.

HB 1223 was drafted with assistance from the state Department of Natural Resources and issupported by Gov. Bill Ritter, while the industry trade group Colorado Oil and Gas Association doesnot support it.

The bill would also increase the size of the COGCC board to nine from seven members, andreduce the number of members from the industry to three from five. Other members would includea local government official, an expert in soil conservation and reclamation, an owner of both landand mineral rights, someone engaged in agriculture, and representatives of the departments ofnatural resources and public health and environment.

See WELD OIL, 19A

“The amendment allows operators tohave three additional wells, which is anincrease from the five that was previouslyallowed,” said Greg Schnake, executive vicepresident of the Colorado Oil and GasAssociation. “The additional wells aredrilled off of existing land pads, whichdecreases the expense yet still provides agrowth engine for operators. This alsoallows for a perception of a decrease of thephysical presence of the wells because theyare in the same location.”

Schnake said the amendment was need-ed to compensate for declining productionas the field matures.

“This growth will keep the field produc-tively vibrant and chugging along as thenation’s seventh-largest field,” he said.

The Independent Petroleum Associationof America ranks Colorado seventh in thenation for natural-gas production and 11thfor crude-oil production. In 2006, WeldCounty produced more than 7 million bar-rels of oil — nearly half the state’s total —and 103 billion cubic feet of natural gas,second only to Garfield County, accordingto COGCC figures.

“Oh, yes, the Wattenburg field has been atremendous blessing for Weld County and itspeople,” said Weld County Commissioner BillJerke. “There are thousands of people in thearea who are receiving royalty checks fromholding on to mineral right after selling land.”

Because most of the active wells arelocated in unincorporated Weld County,rural areas receive more of the monetarybenefits than urban areas. The industryaccounts for 41 percent of Weld County’s$70 million in property taxes, or approxi-mately $28.7 million annually.

Economic impact“The oil and gas industry provides thou-

sands of jobs in the area, and there is a directlink to thousands of more jobs that are aspinoff of the industry… this is clearly a pri-mary employer in the area,” Jerke said.

The Independent Petroleum Associationreports that the industry employed 26,903in Colorado, with positions ranging fromexploration to retail sales in 2003, the mostrecent figures available.

According to the COGCC, Weld Countyhas 11,963 active wells, with the numberchanging daily.

“The number of active wells is based ondrilling permits, which may get approved inOctober ’06 but may not get drilled untilsummer ’07,” said Tricia Beaver, hearingsmanager for the commission.

In 2006, the COGCC approved 1,844drilling permits for Weld County.

“It is definitely an important county forthe state… It has been a productive fieldsince the 1940s, and multiple geological for-mations have been found,” Beaver said.

The field is an attractive prospect fordomestic producers who continue to levy toimprove their asset position. In May 2005,

Houston- based Noble Energy ProductionInc. purchased Denver-based Patina Oiland Gas Corp. for $2.76 billion to expandin the Rocky Mountains.

“Wattenburg is an important core assetand provides a stable basis of operations forour company,” said Greg Panagos, directorof investment relations for Noble Energy.“We have a lot going on there now; it is veryactive, with seven rigs running to add wells.”

The company has 1,700 projects in thefield, with 65 percent of its productionfocused on natural gas and an additional35 percent on crude oil.

“The acquisition added a domesticlong-lived base, and we can grow from itsassets. There is still a lot of life left in thefield, and we plan to expand our presencein the area,” Panagos said. “Wattenburg isour second-largest field in terms of reservesin production and in terms of production itis our largest asset.”


April 18, 2007 - 7:30 am to 5:00 pmat the Hilton Fort Collins 425 W. Prospect Rd. $49 per person

Keynote Breakfast 8-9National keynote speaker to be announced soon!

Breakfast Panel 9:15 – 10:15WINDFALL What role will energy play in the emergence of renewableenergies in Northern Colorado? Our panel will discuss theregion’s role in the development of wind energy, includingmanufacturing technologies in wind energy.

10:30 – 11:30CLEAN ENERGY CLUSTER Northern Colorado stands to emerge as a center for cleanenergy technologies. Our expert panel will discuss the impor-tance of this sector for economic development, including whatlocal universities, government and business can do to makeclean energy a hallmark of the Northern Colorado economy.

OR CHOOSE

10:30 – 11:30GREEN BUILDINGBusinesses throughout Northern Colorado are embracinggreen building practices. This panel will discuss the processfor building in an environmentally responsible manner.

Lunch 12:00 – 1:30Keynote Speaker Luncheon

1:30 – 2:30GREEN BIZ “101”A panel to showcase the everyday success stories of small

and medium businesses. This is a “how-to” for your ownbusiness and personal life.

OR CHOOSE

1:30 – 2:30WATER WOESMaintaining an adequate supply of clean water is a key issuefor the Northern Colorado economy. What can be done toencourage conservation so that water supplies are not adetriment to agriculture and economic development?

City of Fort Collins EnvirOvationClimatewise Showcase 3:00 – 5:00

Vendor exhibits open all day.

Reserve Tickets NOW!Online www.ncbr.comor by phone (970) 221-5400Contact Jim Rath, Marketing Manageror Jeff Nuttall, Co-publisher for more info.

WELD OIL, from 18A

Who are the players in the Wattenburg field?With about 12,000 active wells, Weld County is one of the largest oil and gas producing areas in thestate.

Top crude-oil producers

Noble Energy Production Inc.

Kerr-McGee Oil and Gas LP

Petroleum Development Corp.

Encana Oil and Gas Inc.

Petroleum Development Corp.

Top natural-gas producers

Kerr-McGee Oil and Gas LP

Noble Energy Production Inc.

Encana Oil and Gas Inc.

Merit Energy Co.

Petro-Canada Resources Inc.

SOURCE: COLORADO OIL AND GAS CONSERVATION COMMISSION

“Oh, yes, the Watten-burg field has been atremendous blessingfor Weld County andits people”

Bill Jerke,Weld County Commissioner


Largest UtilitiesRanked by number of customers in region

RANKPREVRANK


TOTAL CUSTOMERS INREGION

NO. EMPLOYEES IN REGIONPUBLIC/PRIVATE

% BUSINESSRESIDENTIAL% BUSINESSCOMMERCIAL

% BUSINESS ELECTRIC% BUSINESS WATER

% BUSINESS GAS

TOTAL REGIONALREVENUES 2006TOTAL REGIONALREVENUES 2005

E-MAILWEB SITE

PERSON IN CHARGE W/ TITLEYEAR FOUNDED

1 1

PLATTE RIVER POWER AUTHORITY2000 E. Horsetooth RoadFort Collins, CO 80525(970) 226-4000/(970) 229-5244

140,501200

Public36%64%

100%N/AN/A

$157,143,000$151,042,000

[email protected]

Brian Moeck, General manager1973

2 8

CITY OF GREELEY - WATER & SEWER DEPARTMENT1100 10th St., Suite 300Greeley, CO 80631(970) 350-9811/(970) 350-9805

89,938117

PublicWater 61%; Sewer 77%Water 12%; Sewer 19%

N/AWater 82%; Sewer 18%

N/A$43,260,000$44,840,000

[email protected]/water

Jon G. Monson, Director water & sewer1870

3 3

CITY OF FORT COLLINS - UTILITIES700 Wood St.Fort Collins, CO 80522(970) 221-6700/(970) 221-6619

63,567345

Public48%52%

61%Water 19%; Stormwater 10%;

Wastewater 10%N/A

$132,467,511$128,081,502

[email protected]/utilities

Michael B. Smith, Executive director andUtilities general manager

1882

4 4

UNITED POWER INC.500 Cooperative WayBrighton, CO 80601(303) 659-0551/(303) 659-2172

61,867164

Private55%45%

100%N/AN/A

$97,996,773$86,492,200

N/Awww.unitedpower.com

Robert Broderick, CEO1938

5 5

ATMOS ENERGY CORP.1200 11th Ave.Greeley, CO 80631(970) 304-2090/(970) 304-2085

46,47555

Public76%24%

N/AN/A

100%N/AN/A

[email protected]

David Anglin, Vice president, operation1942

6 6

POUDRE VALLEY RURAL ELECTRIC ASSOCIATIONINC.7649 REA ParkwayFort Collins, CO 80528(970) 226-1234/(970) 226-2123

35,06688

Private44.43%55.57%

100%N/AN/A

$64,865,651$56,587,642

[email protected]

Ronald Carey, General manager1939

7 7

CITY OF LOVELAND - WATER & POWER200 N. Wilson Ave.Loveland, CO 80537(970) 962-3000/(970) 962-3400

30,540122

Public55.6%44.4%

70%30% (includes wastewater)

N/A$48,800,000$45,000,000

[email protected]

Ralph Mullinix, Director1887

8 10

FORT COLLINS - LOVELAND WATER DISTRICT5150 Snead DriveFort Collins, CO 80525(970) 226-3104/(970) 226-0186

13,00023

PublicN/AN/A

N/AN/AN/A

N/AN/A

[email protected]/A

Michael DiTullio, General manager1964

9 11

TOWN OF ESTES PARK - UTILITIES170 MacGregor Ave.Estes Park, CO 80517(970) 577-3580/(970) 586-3573

11,50027

Public57%43%

67%33%N/A

$12,425,303$12,884,417

[email protected]

Robert Goehring, Utilities director1945

10 12

WESTERN UNITED ELECTRIC SUPPLY CORP.100 Bromley Business ParkwayBrighton, CO 80603(303) 659-2356/(303) 659-8598

2525

PrivateN/AN/A

100%N/AN/A

$100,000,000$75,000,000

[email protected]

Ronald L. Schott, CEO1976

11 9

LITTLE THOMPSON WATER DISTRICT835 E. Colo. Highway 56Berthoud, CO 80513(970) 532-2096/(970) 532-3734

N/A24

N/AN/AN/A

N/A100%N/A

N/A$4,657,000

[email protected]

Richard Whittet, District manager1962

Region includes Larimer and Weld counties and Brighton.Xcel Energy, the previously ranked no. 1 utility, did not respond by press time.


The TwistNo. 1 based on no. of employees in region:City of Fort Collins Utilities with 345.


To meet its goal of being a retail-ori-ented bank, Wachovia plans to add ATM’sand drive-up banking windows whereappropriate.

Three ‘L’ wordsBut being a retail bank in today’s bank-

ing market means more than having adrive up. It’s about location, location,location. World Savings’ branches are ingood locations in Northern Colorado —on East Harmony Road in Fort Collinsand where 11th Avenue meets 11th Streetin Greeley. However, Wachovia’s model isone driven by convenience.

“When a bank customers say conve-nience, they mean a bank branch nearwhere they live, near where they work andnear where they relax,” Stroop said.

Wachovia entered the Texas market,where Stroop is based, in 2004. Startingfrom scratch, the bank now has 165branches in the state.

Stroop couldn’t share any detailedplans about Wachovia’s plans in Colorado,since the company is still ironing themout. Shortly after closing on the WorldSavings deal, Wachovia announced plansto shutter around 200 branches. It added,however, that it would focus its efforts onthe growth markets in California, Texasand the Southwest.

Kristen Bastian covers banking for theNorthern Colorado Business Report. Shecan be reached by phone at (970) 221-5400,ext. 219, or by e-mail [email protected].


As a result of winning the Clark Countyaccount, Outdoor Promotions alsoacquired the remaining portions of LasVegas and North Las Vegas. Youngexplained that CBS Outdoor is morefocused on billboard advertising, so thecompany was not interested in holding ontothe street-furniture markets that were notin the Las Vegas tourist corridor. Altogether,Outdoor Promotions now holds 1,600 shel-ters in the market.

“Having this market is just an amazingopportunity for us,” Young said.

It’s also a good opportunity to try some-thing new. Young said the company is work-ing with AT&T Corp. and Hewlett PackardCo. to install flat-panel displays, connectedto a wireless network, to replace the tradi-

tional signage panels on the shelters on theStrip.

The new technology will allow OutdoorPromotions to offer sound and video adver-tising at the bus shelter, as well as up-to-date transportation information, andupdate its advertisements remotely.

“We’ll have the ability to change that mes-sage almost instantaneously,” Young said.

Playing for higher stakesThe opportunity to introduce this cut-

ting-edge technology into such a desirablemarket was like a dream come true forYoung. Unfortunately, to expand in such anaggressive way meant having to cut back inothers. Outdoor Promotions sold its North-ern Colorado markets of Fort Collins, Love-land and Longmont to NextMedia OutdoorInc. in January.

Not such a bad gamble. Young estimates

that the Las Vegas market, once integrated,will draw around $15 million in revenueannually, compared with the $1.4 millionfrom the Fort Collins, Loveland and Long-mont markets combined.

The buyer is not new to the outdooradvertising industry or to Northern Col-orado. The OAAA ranks NextMedia as theseventh-largest outdoor-advertising com-pany in the United States.

“We’ve been in the Fort Collins marketsince 2002,” said Scott McArtor, chief oper-ating officer of NextMedia Outdoor Inc.,when the company acquired Flack Out-door’s billboard-advertising business.

McArtor said there isn’t any pressing needto upgrade any of the local street furniture.

“I think Outdoor Promotions has done agreat job over the past few years,” heexplained.

NextMedia now employs about 20 in its

Fort Collins office, including about fiveemployees who were handling the marketfor Outdoor Promotions.

Despite its new focus on Las Vegas, Out-door Promotions has not cut all of its ties toNorthern Colorado. The company’s head-quarters remain in south Fort Collins.

“We do all of the billing, payables, posterprinting and graphic design (in FortCollins),” Young explained. “The peoplethat I have there have been with me for sev-eral years.”

Young moved to Las Vegas in April andspends most of his time there now, but kepthis home in Fort Collins. He doesn’t plan tolive in Sin City for more than another yearor so. He anticipates working out of FortCollins when he returns to Colorado.

Young admits that it might make senseto close the Fort Collins office and move itsoperations to one of the three active mar-kets, but he appreciates the people who havehelped him build his company.

“It’s not about just making money,” hesaid. “It’s about the relationships. Ultimate-ly, people are the only priceless resource ofa company, and we’ve got a great team inthat office.”

OUTDOOR, from 3A

Outdoor Promotions Inc.

Founded: 1984Management: Gary Young, CEOHeadquarters: Fort CollinsProduct/Service: Manages advertising and main-

tenance of bus shelters and buses.Employees: 70Web: www.outdoorpromotionsinc.com

SOURCE: BUSINESS REPORT RESEARCH

BANKING, from 14A


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ENERGY

By Jessica [email protected]

When someone in Colorado mentionsthe power company, people naturallyassume they’re talking about Xcel Energy.Likewise, a reference to the renewable ener-gy mandate in Amendment 37 sparks dis-cussion of Xcel’s newer wind and solarsources, and its corporate partnerships tobuy more renewable power.

But Xcel is far from the only powerprovider in the state, and thus is not the onlyutility affected by tightening regulations.

When voters passed Amendment 37 inNovember 2004, they called for large utili-ties, those with 40,000 or more customers,to have 10 percent of their retail electricitysales come from renewable sources by 2015.The regulations kick in gradually, requiring3 percent renewables this year.

The law applies to the state’s three typesof utilities — investor-owned companieslike Xcel, municipally owned utilities andrural electric cooperatives.

Because of the 40,000-or-more thresholdin the current law, only two municipalitiesand three rural co-ops were affected: thecities of Colorado Springs and Fort Collins,the Intermountain Rural Electric Associa-tion in Sedalia, Holy Cross Energy in Glen-wood Springs and United Power in Brighton.And thanks to a measure allowing thoseproviders to “opt out” of the requirement,ratepayers of United Power and Intermoun-tain have chosen not to heed the mandate.

But a bill working its way through thelegislature could change that. House Bill1281, which has already passed in theHouse, would create a mandate that wouldapply to utilities with fewer than 40,000customers. Though their support does notcome without concerns, industry represen-tatives say they are in favor of the bill.

The Colorado Rural Electric Associationsupports HB 1281, which would require co-ops to have 10 percent of their electricitysales come from renewables by 2020. Therequirement for investor-owned utilities inthe same bill is 20 percent renewables.

“We appreciated the recognition that co-ops are a different kind of utility,” CREA’sMona Neeley said.

The bill also includes a 1 percent cap onthe increase of rates that can be charged forco-ops, which will protect the co-ops frommaking changes that would make electrici-ty unaffordable, she added.

Co-ops nonprofitWhen United Power gave its ratepayers

the opportunity to vote on Amendment 37,nearly 80 percent wanted to opt out.

“They didn’t want to pay the additionalcost,” said Heidi Storz, marketing and com-munications director for United Power. “Letme tell you what the problem is: We are anonprofit organization. We don’t haveshareholders. We don’t have a profit mar-gin. We can’t use our profit margin to sub-sidize a difference in rates.”

United Power’s members were not say-

ing they don’t want renewable energy, Nee-ley added. “They were saying they wantedmore freedom. They didn’t want to have tomeet the specific timelines and percentagesin the law.”

Rural electric co-ops were first createdsimply because it’s not profitable to run powerlines out to rural communities. The state has22 co-ops, and their sizes vary dramatically.

The sole purpose of these member-cre-ated power companies is to provide safe,reliable and affordable electricity. Memberselect a board of directors, and all the moneythey have to work with comes from the feesmembers pay for service.

“Any increase in cost because of new reg-ulations means co-op members’ rates willgo up,” Neeley said. “That’s part of thestruggle. How can we incorporate morerenewable energy and do it in a way thatstill maintains reliability and affordability?When members voted to opt out, they toldthe co-ops: ‘We want balance.’”

The power United Power sells comesfrom Tri-State Generation and Transmis-sion Association Inc., a wholesale powersupplier to co-ops in four states, includingColorado. Karli Nelson, a communicationsspecialist with Tri-State, said that while theregulations do not directly affect Tri-State,the company is ultimately responsible forsupplying the renewable energy the co-opsneed to follow the law.

Presently, members of co-ops supplied byTri-State can choose to buy “green power” —generated at wind farms — for an addition-

al $1.25 per kilowatt-hour. Tri-State actuallypurchases this green power from the PlatteRiver Power Authority in Fort Collins.

Standards above state requirementsWhile Fort Collins is the only Northern

Colorado utility that falls under Amend-ment 37, the regulations have yet to affectthe city because Fort Collins already sells ahigher percentage of renewable energy thanthe new regulation requires, explained JohnBleem, division manager of customer ser-vice and environmental programs for thePlatte River Power Authority, which pro-vides power to Estes Park, Fort Collins,Longmont and Loveland.

Platte River Power Authority has beensupplying wind power for almost 10 years,and Fort Collins Utilities was the first in thestate to offer its customers the option ofbuying renewable wind power. It came fromthe authority’s wind turbines in Wyoming,near Medicine Bow. Platte River’s othersources include coal-fired plants, naturalgas, hydropower and a small amount oflandfill gas.

“Longmont and Fort Collins both havetheir own renewable energy standards thatare over and above the state,” Bleem said.

He’s not sure if that will be the case goingforward, if HB 1281 passes the legislature.

United Power supports the bill becauseof the lower requirement for co-ops and thesimple fact that the cost of renewables hasgone down in the years since Amendment37 was approved.

Renewable mandate could extend to electric co-ops

1801 16th Street • Greeley(970) 352-4121

Physician information:www.BannerHealth.com or 800-505-6877

Job opportunities:www.BannerHealth.com or 866-377-5627

Banner Health is the leading provider ofnonprofit health care in northern Colorado.

At North Colorado Medical Center, we

have lofty expectations when it comes

to the recovery of our ICU patients.

That’s why we’re home to the latest

medical advancements, like our iCare

intensive care monitoring system that

allows some of the most highly trained

physicians and critical care nurses to

continuously watch over our patients.

In fact, this new monitoring technology

that greatly enhances patient safety,

was recognized as one of the Top 100

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by InfoWorld magazine. It’s this kind of

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Your place for powerful medicine.

Highly advanced intensive carefor a whole new level of healing.

HEALTH CARESpecialReportMarch 16-29, 2007www.ncbr.com

FEATURES

Hospitals pacegrowing demand

PVMC, NCMC expand to meet Weld’spopulation explosion

Page 26A

Commission seeksideas for reform

Affordable health carefor state is Blue RibbonCommission’s aim

Page 29A

LISTS

Region’s largest:

HospitalsPage 27A

HMOs/PPOsPage 28A

Veterinary clinicsPage 33A

By Luanne [email protected]

The increasing number of physicians applyingfor privileges at multiple medical facilities inNorthern Colorado is not only an indicator of thegrowing regionalization of the area and thereforean opportunity for physicians to grow their prac-tices, but also an indicator of how the medical pro-fession itself is adapting to meet the needs ofpatients, sometimes where critical shortages ofpersonnel exist.

When Medical Center of the Rockies opened its

doors in February, many looked at the list of physi-cians to see who from the region signed on to prac-tice there. Most of the docs are from the PoudreValley Health System, although certainly not all.For some years, many of the larger medical groups— orthopedics, cardiologists, neurologists, radiol-ogists — have had privileges at Banner Health’sMcKee Medical Center in Loveland and North Col-orado Medical Center in Greeley, along withPoudre Valley Hospital in Fort Collins, as well as ahost of privately owned surgical centers.

“In some ways, those groups have already visu-alized a regionalization before PVH headed in thatdirection,” said William Neff, an anesthesiologistwith Northern Colorado Anesthesia ProfessionalConsultants LLP, chairman of the PVHS Board ofDirectors and past chief of staff at PVH.

“There aren’t too many hindrances on why aPVH physician wouldn’t want the ability to seepatients at either hospital if the need arises,” he

said.The cost of credentialing

and privileges varies at eachmedical center, though it costsroughly $250 to $300 for theone-time application andabout the same for annual duescharged by each facility’s medicalgroup.

“There’s only a soft cor-relation betweengett ingp r i v i -leges ata hospi-tal andh o wm u c h

Doctors adapt to regionalizationCross-system privilegesno longer unusualfor NoCo physicians

HMOs, or health maintenance organizations,once seemed like a possible answer to America’sspiraling health-care costs. Focusing on healthylifestyles and limiting medical choices to a pre-scribed list of providers was supposed to rein inAmericans’ appetite for virtually unlimitedhealth-care services.

But in the mid-1990s, the numbers of peopleand employer groups enrolled in HMOs began todecline, and that downward slide has continuedover the last decade as new health-insurance prod-ucts such as preferred provider organizations,health savings accounts and other plans emerged.

Those newer products, offering more choice foremployers and workers, have steadily eaten intothe numbers enrolled in HMO-type plans. That’s

the case across the nation andespecially so in Colorado,according to numbers gath-ered by Colorado ManagedCare, a newsletter publishedin Denver by James Hertel.

According to the Dec. 7,2006 issue, the latest HMOquarterly filings with the Col-orado Division of Insurancefinds fewer than 1 millionHMO plan members in Col-orado as of Sept. 30, 2006,down by more than half a mil-lion from the 1,532,642 enrolled in 2001.

At the same time, the number of peopleenrolled in PPOs has increased. For example,Anthem Blue Cross Blue Shield saw its PPO num-bers jump from 209,000 in 2003 to 287,000 in2005, while its HMO numbers dropped from82,000 in 2003 to 55,000 in 2005, according toColorado Managed Care’s May 31, 2006, issue.

Statewide, managed-care providers saw HMO

numbers decline from 933,000 in 2003 to 770,000in 2005, while PPO numbers climbed from766,000 in 2003 to 867,000 in 2005.

Why is this happening? Hertel says skyrocketinghealth-insurance costs, with premiums increasingby 10 percent to 15 percent each year, have causedemployers — the main channel for health-carecoverage — to increasingly offer plans with higherdeductibles and co-pays, usually PPOs, for theiremployees.

Workers, for their part, were just glad to keephaving “affordable” health insurance, especially ifthey could have more choice of physicians, clinicsand other providers than they were getting underan HMO.

A survey released last year by the federalDepartment of Health and Human Services’Agency for Healthcare Research and Quality foundthat between 1996 and 2004, the percent ofemployers offering PPO-type plans increased from55.1 percent to 69.2, percent while those offeringHMO-type plans increased only from 32.4 percent

What happened to managed-care plans?Once-popular HMOsblame membershipslide on competition

See REGION, 34A

See MANAGED, 32A

HEALTH CARESteve Porter


HEALTH CARE

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By Jessica [email protected]

As southern Weld County has grownexponentially in recent years, so has thedemand for health care. Area hospitals areacting fast to keep up with the need, and thecompetition.

At Platte Valley Medical Center inBrighton, the increase in business has beentremendous over the last five years alone.Critical care inpatient days are up 176 per-cent. Outpatient visits have increased by 70percent. Obstetrics and nursery inpatientdays have increased by 122 percent, surgerycases by 95 percent, emergency room visitsby 65 percent.

Platte Valley Medical Center is the pri-mary hospital for those in southern WeldCounty and the only hospital within a 16-mile radius to serve growing communitieslike Firestone and Dacono, according to co-director of marketing Charmaine Weis.These figures, along with the fact that theBrighton community is projected to growanother 9 percent annually, convinced thehospital’s leaders in recent years that it hadto grow and add services.

On July 10, PVMC will open a new $138

million hospital near Interstate 76 and144th Avenue, about three miles from itspresent location.

But this new facility with all its fancy state-of-the-art equipment is not all by itself inserving southern Weld County. Traditionally,sick people in these parts have gone to NorthColorado Medical Center in Greeley or Long-mont United Hospital, said Gene Haffner,director of public relations for NCMC.

Other facilities also are responding to andpreparing for growing demand. The just-opened Medical Center of the Rockies, builtby Poudre Valley Health System and locatedin Centerra in Loveland at the intersection ofI-25 and U.S. Highway 34, had an eye towardserving southern Weld County among otherareas, said Pam Brock, PVHS vice presidentfor marketing and strategic planning.

“Several years ago we began looking at

what population projections were for thatintersection, and from everything we couldsee that was going to be the growth focusfor Northern Colorado serving populationsfrom many different areas,” Brock said.

“(Southern Weld County) was part ofthat,” she said.“It’s expected to be the next bigexplosion because those smaller towns aren’tgoing to be so small in the next 10 to 12 years.”

Longmont United Hospital opened theCarbon Valley Medical Center in Firestone in2004. NCMC, owned by Phoenix-based Ban-ner Health, likewise opened the JohnstownFamily Physicians clinic a few years ago.

The Johnstown project preserved spacefor future expansion to include diagnosticand imaging services and specialty clinics.

“That was probably the most overt actionthat we’ve taken to position access to healthcare for the increasing population in thatarea,” Haffner said.“We don’t have any defin-itive plans to expand that clinic at this point.”

In order to market to new residents inareas of growth, NCMC has started a directmail program for people who have recentlymoved to the area that tells them what’savailable at NCMC. “We know these aregrowth areas and we want them to be awareof our role and presence and scope of ser-vices,” Haffner said.

The hospital also reaches residents inthis area, and throughout the county,through its occupational health program inwhich it contracts with businesses to pro-vide wellness screenings, health fairs and

Hospitals reaching out to south Weld patientsPVMC, NCMC bothact to meet demand,population growth

Courtesy Platte Valley Medical Center

NEARLY READY — The newest hospital serving southern Weld County, built by Platte Valley Medical Center, is setto open in July at Interstate 76 and 144th Avenue, bringing the total in the area to three.

See HOSPITALS, 34A


Largest HospitalsRanked by total licensed capacity

RANK PREV RANK

HOSPITALADDRESSPHONE/FAX

LICENSED BEDSAVAILABLE BEDS 2006

NO. OF FTES 2006AVG. DAYS OF STAY 2006

OPERATING REVENUE 2006OPERATING REVENUE 2005

INPATIENT ADMISSIONSOUTPATIENT VISITS

ADMINISTRATIVE PERSONTITLE OF PERSON IN CHARGE

1 1

NORTH COLORADO MEDICAL CENTER1801 16th St.Greeley, CO 80631(970) 352-4121 & (970) 350-6567/

398285

1,8523.6

$286,340,187N/A

16,313453,505

Gene O'HaraCEO and President

2 2

POUDRE VALLEY HOSPITAL1024 S. Lemay Ave.Fort Collins, CO 80524(970) 495-7000/(970) 495-7600

281266

2,3033.8

$325,760,896N/A

17,458404,298

Kevin UngerPresident/CEO

3 3

LONGMONT UNITED HOSPITAL1950 W. Mountain View Ave.Longmont, CO 80501(303) 651-5111/(303) 678-4050

168147

9073.8

$131,967,308$132,326,214

10,073242,289

Mitchell CarsonPresident and CEO and

President/CEO

4 10

MEDICAL CENTER OF THE ROCKIES2500 Rocky Mountain Ave.Loveland, CO 80538(970) 624-2500/

134N/A

600 BN/A

N/AN/A

N/AN/A

George E. HayesCEO and President

5 4

MCKEE MEDICAL CENTER2000 Boise Ave.Loveland, CO 80538(970) 669-4640/(970) 635-4066

103101

7713.6

$102,408,447N/A

6,022266,539

Richard O. SuttonCEO

6 5

PLATTE VALLEY MEDICAL CENTER1850 Egbert St.Brighton, CO 80601(303) 659-1531/(303) 654-8170

5854

3572.8

$55,181,173N/A

2,91457,082

John R. HicksPresident and CEO and

President/CEO

7 6

COLORADO PLAINS MEDICAL CENTER1000 Lincoln St.Fort Morgan, CO 80701(970) 867-3391/(970) 542-3306

5050

1782.8

$30,232,728N/A

1,97944,615

Michael A. Anaya, Sr.CEO

8 7

STERLING REGIONAL MEDICAL CENTER615 Fairhurst St.Sterling, CO 80751(970) 521-3100/(970) 521-3182

5050

2533.5

$33,698,878N/A

1,697104,164

Larry LearningCEO

9 8

EAST MORGAN COUNTY HOSPITAL2400 W. Edison St.Brush, CO 80723(970) 842-5503/(970) 842-3572

2515

1032.8

$13,111,633N/A

39159,062

Larry LeamingCEO

10 9

ESTES PARK MEDICAL CENTER555 Prospect Ave.Estes Park, CO 80517(970) 586-9513/

1614

1812.5

$18,901,925N/A

60534,103

Karna SchoferAdministrator

Source: Colorado Health and Hospital AssociationN/A-Not AvailableB Hospital estimate

Based upon responses to Business Report survey researched by Kathleen ChaballaTo be considered for future lists, e-mail [email protected]

The TwistNo. 1 based on no. of full-time employees:Poudre Valley Hospital with 2,303.


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Largest HMOs/PPOsRanked by no. of enrollees in state

RANK


ENROLLEES: STATE 2006ENROLLEES: STATE 2005

COMMERCIAL MEMBERS 2005MEDICARE MEMBERS 2005MEDICAID MEMBERS 2005

REVENUE 2005NET INCOME 2005

HMO MEDICAL LOSS RATIOS FOR COMMERCIALPLANS 2005

PARENT COMPANYHEADQUARTERS

WEB SITEYEAR FOUNDED

1KAISER FOUNDATION HEALTH PLAN OF COLORADO10350 E. Dakota Ave.Denver, CO 80231(303) 344-7200/(303) 344-7277

460,492453,245

394,35058,895

N/A

$1,613,809,927$5,807,608

94%

Kaiser Foundation Health Plan Inc.Denver

www.kaiserpermanente.org1969

2PACIFICARE OF COLORADO/SECURE HORIZONS6455 S. Yosemite St.Greenwood Village, CO 80111(800) 877-6685/(303) 714-3998

328,000280,000

N/AN/AN/A

$717,470,622$29,318,954

88%

Pacificare Health Systems Inc.Cypress, Calif.

www.pacificare.com1974

3ANTHEM BLUE CROSS AND BLUE SHIELD700 Broadway St.Denver, CO 80273(303) 831-2131/(303) 764-7254

281,951 B254,394 B

241,767 B12,627 B

N/A

$1,011,745,404 C$13,071,786 C

N/A

WellPoint Inc.Indianapolis

www.anthem.com1980

4PACIFICARE OF COLORADO INC.6455 S. Yosemite St.Englewood, CO 80111(303) 220-5800/(303) 714-3992

177,036190,690

135,69454,996

N/A

$956,487,614$37,715,853

88%

Pacificare Health Systems Inc.Englewood

www.pacificare.com1974

5COLORADO ACCESS10065 E. Harvard Ave., Suite 600Denver, CO 80231(720) 744-5439/(303) 751-9048

158,236131,695

N/A909

130,786

$157,869,312($10,988,877)

N/A

Colorado Community Managed Care NetworkDenver

www.coaccess.com1995

6ROCKY MOUNTAIN HMO D5990 Greenwood Plaza Blvd., Suite 902Greenwood Village, CO 80111(303) 689-7367/(303) 770-0601

85,00087,275

51,24922,38213,655

$206,838,867$10,154,390

87%

Rocky Mountain Health MaintenanceOrganization

Grand Junctionwww.rmhp.org

1974

7HMO COLORADO E700 BroadwayDenver, CO 80273(303) 831-2377/(303) 863-1721

55,417 B55,475 B

55,475 BN/AN/A

$207,132,170$14,328,941

80%

WellPoint Inc.Denver

www.anthem.com1980

8ROCKY MOUNTAIN HEALTHCARE OPTIONS PPO F2775 Crossroads Blvd.Grand Junction, CO 81502(800) 843-0719/(970) 244-7880

36,24734,282

34,282N/AN/A

$99,083,897$1,795,207

N/A

Rocky Mountain Health MaintenanceOrganization

Grand Junctionwww.rmhp.org

1974

9AETNA HEALTH INC.6430 S. Fiddler's Green CircleEnglewood, CO 80111(303) 793-2500/(303) 793-2509

34,67835,324

35,324N/AN/A

$110,584,262$8,202,084

80%

Aetna HealthEnglewood, COwww.aetna.com

1995

10CIGNA HEALTHCARE OF COLORADO INC.3900 E. Mexico Ave., Suite 1100Denver, CO 80210(800) 245-2471/(303) 691-3142

34,32236,602

36,602N/AN/A

$128,992,637$5,095,096

86%

CIGNA HealthCare Inc.Denver, CO

www.cigna.com1986

11UNITED HEALTHCARE OF COLORADO INC.8051 Maplewood Ave., Suite 300Greenwood Village, CO 80111(303) 267-3300/(303) 267-3440

18,68323,762

N/AN/AN/A

$59,224,408$2,176,053

78%

N/AMinnetonka, Minn.

www.unitedhealthcare.com/colorado1986

12DENVER HEALTH MEDICAL PLAN INC.777 Bannock St., Suite 6000Denver, CO 80204(303) 436-3095/

13,26311,700

8,823N/A

2,877

$29,547,201($851,085)

94%

Denver Health and Hospital AuthorityDenver

www.denverhealth.org1997

Source: Colorado Managed Care Review, November 2006.B Enrollment from quarterly report and not broken down by state.C Includes results from colse HMOs: Community Health Plan, Antero, Sloans Lake, QualMed, Heatlh Network of Colorado Springs, Prudential Health and ProActa.D Rocky Mountain Health Plans is the trade name for HMO.E Acquired by Anthem Blue Cross Blue Shield of Colorado.F Rocky Mountain Health Plans is trade name for PPO.


The TwistNo. 1 based on most recently founded:Denver Health Medical Plan Inc. since 1997.


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HEALTH CARE

By Caron Schwartz [email protected]

DENVER — A 24-member commissionis considering ways to increase coverageand reduce the cost of health care in Col-orado.

The Blue Ribbon Commission onHealthcare Reform, formed last Novemberas a result of Senate Bill 06-208, is chargedwith finding and presenting comprehensivestatewide health-care reform options to theColorado General Assembly.

There is currently a bill in the Senate topermit Gov. Bill Ritter to add three addi-tional members.

The commission — made up of repre-sentatives of consumers and purchasers ofhealth care, along with health-care expertsand business leaders — is examiningoptions for expanding affordable healthcoverage to all Colorado residents.

All of this has to be done by Nov. 30, saidElisabeth Arenales, health-care programdirector of the Colorado Center on Law andPolicy, who is on the commission.

The commission is in the process ofgathering proposals.

It is setting up a competitive process tofind a company to evaluate the proposals,said Project Coordinator Anita Wesley, oneof three paid staff members working for thevolunteer commissioners.

The state is the commission’s primaryfunder. It has received $50,000 and willreceive another $50,000 when matchingfunds are raised through gifts, grants ordonations.

The money pays staff salaries and willalso be used to pay for the independentevaluation as well as hosting informationalmeetings in each congressional districtstatewide to get public comments, Arenalessaid.

Wesley, who uses an office donated bythe Colorado Foundation for Families andChildren in Denver, is charged with fundraising.

“I think we’re all very optimistic that wecan come to a really good result,” Arenalessaid. “Everyone is working their tails off tothat end.”

Blue Ribbon Commissionseeks ideas for reform

Commission membersBlue Ribbon Commission on Healthcare Reform members were appointed in 2006 by former Gov. Bill Owens,

Senate President Joan FitzGerald, Speaker Andrew Romanoff, Senate Minority Leader Andy McElhany and HouseMinority Leader Mike May.

Members include:

n Erik Ammidown, director of health and disability benefits, Qwest Communicationsn Elisabeth Arenales, health-care program director, Colorado Center on Law and Policyn Clarke D. Becker, executive director, Colorado Rural Development Counciln Carrie A. Besnette, vice president, The Daniels Fundn Christy Blakely, director, Family Voicesn Dr. David A. Downs Jr.n Steve ErkenBrack, chairman, Health Care Committee, Club 20 n Lisa M. Esgar, senior director, operations and finance, Department of Health Care Policy and Financing,

state of Coloradon R. Linda Gorman, director, Health Policy Center, Independence Institute n Julia Greene, director, Health Systems Colorado, Service Employees International Unionn Allan Jensen, independent life and health insurance broker n Grant Jones, executive director, Center for African American Health n William N. Lindsay III, president, Benefits Group, Lockton Cos. of Colorado Inc. n Donna Marshall, executive director, Colorado Business Group on Health n Pam Nicholson, senior vice president, Advocacy and Community Partnerships, Centura Health n Ralph Pollock, chairman, Business Committee on Health Care, CACI n David F. Rivera, commissioner of insurance, state of Colorado n Arnold Salazar, Colorado Behavioral Health Care Council n Mark Simon, disability advocate n Daniel Stenersen, president and CEO, Shalom Park n Steven J. Summer, president and CEO, Colorado Hospital Association n Mark Wallace, founder, Northern Colorado Health Alliance n Joan M. Weber, benefits risk manager, city of Englewood n Barbara Yondorf, senior program officer, Rose Community Foundation

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SOURCE: BLUE RIBBON COMMISSION ON HEALTHCARE REFORM

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Provider 2003 2004 2005 20061. Kaiser Permanente Colorado 407,860 415,715 448,987 475,8092. PacifiCare Colorado* 220,298 229,541 191,019 168,341 3. Colorado Access 191,055 170,390 135,239 96,2164. Rocky Mountain HMO 99,588 86,968 87,466 83,3545. HMO Colorado / Anthem BCBS 89,309 72,566 66,741 67,9696. Aetna Health Inc. - Colorado 35,832 35,963 34,946 34,3447. CIGNA of Colorado 77,659 59,616 36,462 31,9688. Denver Health 11,456 10,878 11,371 13,4979. UnitedHealthcare of Colorado* 54,838 29,347 18,683 7,74210. Great-West Healthcare of Colorado 16,721 15,249 7,875 5,71211. San Luis Valley HMO/HMO Health Plans 5,057 5,104 4,816 5,335

Total 1,215,692 1,131,364 1,043,605 990,287

Here is a list of the top HMO plan providersin Colorado ranked by membership in 2006.

* UnitedHealthcare of Colorado acquired PacifiCare of Colorado in 2005. Combining the two would rank it second on the list for 2006 with a total of 176,083 members.

SOURCE: DATA COMPILED BY COLORADO MANAGED CARE FROM DIVISION OF INSURANCE FIGURES AS OF SEPT. 30, 2004, 2005 AND 2006.

to 36.2 percent, even though the HMOplans were cheaper on average.

The survey found that by 2004, the aver-age annual premium for single coverageunder an HMO-type plan was $3,492 com-pared with $3,791 for a PPO-type plan.

Despite a steady drop in the number ofHMO members in Colorado, HMO totalrevenues have continued to grow. In 2003,total revenues were $2.64 billion, and thatamount rose to $2.84 billion in 2006,according to Colorado Managed Care.

Hertel said increasing premium costshave kept overall HMO revenues increasing.While most companies offering HMO plansin Colorado saw their before-tax net profitsdrop from 2005 to 2006, some, such as

Kaiser Permanente, saw theirs increase dra-matically, from $16.1 million as of Septem-ber 30, 2005, to $47.4 million one year later.

Kaiser also saw the largest jump inmembership from 2005 to 2006, goingfrom 442,478 members as of June 30,2005, to 460,492 by the same date in 2006.

How do they do it? Hertel said one reasonfor the organization’s ongoing success was toform an insurance company that could offerall the other health-care products on themarket and therefore stay competitive.

Leo Tokar, Kaiser’s vice president ofmarketing, sales and business develop-ment, agreed that the addition of theinsurance company helped. “We’re defi-nitely expanding our product line to pro-vide a broader range of services,” he said.“The reason HMOs are declining is thatthey started off by managing costs by pro-moting better health, but they ended upbeing seen as restricting choice.”

Founded in 1945, the Oakland, Calif.-based company claims to be the “nation’slargest HMO,” serving almost 9 millionmembers in nine states and Washington,D.C. In Colorado, Kaiser offers plans andservices in Denver, Boulder and ColoradoSprings but has not yet established a ser-vice network in Northern Colorado.

Tokar said the main factors in Kaiser’ssuccess as a proud HMO provider in aworld increasingly moving away fromHMOs is its coverage affordability, net-works of quality services and an “integrat-ed system” of broad coverage options.

If HMO-type plans are to survive, per-haps other companies would do well tostudy the Kaiser example.

Steve Porter writes about health careissues for the Northern Colorado BusinessReport. He can be reached at (970) 221-5400, ext. 225, or at [email protected].

MANAGED, from 25A

“The reason HMOs aredeclining is that theystarted off by manag-ing costs by promotingbetter health but theyended up being seenas restricting choice.”Leo Tokar,Vice president for marketing Kaiser Permanente


Veterinary ClinicsRanked by no. of veterinarians

RANK

COMPANYADDRESSCITY,STATE POSTAL CODEPHONE/FA

NO. OF VETERINARIANSEMPLOYEES REVENUE 2006 SERVICES OFFERED

E-MAILWEB SITE

PERSON IN CHARGE, TITLEYEAR FOUNDED

1COLORADO STATE UNIVERSITY JAMES L. VOSS VETERINARYTEACHING HOSPITAL300 W. Drake RoadFort Collins,CO 80523-1620(970) 221-4535/(970) 491-4100

550 N/A

Services provided by appointment include acupuncture,anesthesiology, cardiology, critical care, CT Scan/MRI,dermatology, internal medicine, neurology, oncology,

ophthamology, orthopedic, radiation therapy, andreproduction. 24-hour emergency service.

N/Awww.csuvets.colostate.edu

Dr. Dean Hendrickson, DirectorN/A

2WEST RIDGE ANIMAL HOSPITAL8235 W. 20th St.Greeley,CO 80634(970) 330-7283/(970) 330-1808

530 N/A

Offering health maintenance programs, dentistry,acupuncture, nutrition consultation, endoscopy,

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[email protected]

Colin Combs, DVM; Co-Owner1968

3SOUTH MESA VETERINARY HOSPITAL & PET LODGE3801 S. Mason St.Fort Collins,CO 80526(970) 226-6526/N/A

530 N/A Small animal medicine, boarding and grooming. N/A

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4RAINTREE ANIMAL HOSPITAL2335 S. Shields St.Fort Collins,CO 80526(970) 482-1987/(970) 482-6775

415 N/A

Veterinary services for cats, dogs, rabbits, birds, reptiles,ferrets and exotics including preventive health care,dental service, surgical service, behavioral service.

Grooming and boarding services also available.

N/Awww.raintreepets.com

Nichole Kelly, Practice managerN/A

5BLUE SKY ANIMAL CLINIC2713 W. Eisenhower Blvd.Loveland,CO 80537(970) 663-6046/N/A

413 N/A Surgery, dentistry, radiology, in-house lab, boarding. N/A

http://www.blueskyclinic.com/index.htmDr. Stephanie Romm, DVM

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6ANIMAL PHARMACY & SUPPLY INC.1901 First Ave.Greeley,CO 80631-5926(970) 356-4900/(970) 356-8913

46 N/A Animal health products and sales. N/A

N/AN/A1970

7CSU - EQUINE SCIENCES (EQUINE ORTHOPAEDIC)Animal Science BuildingFort Collins,CO 80523(970) 297-4165/(970) 297-4138

4N/A N/A Equine research, with orthopedics and reproduction the

two focuses of expertise.N/A

http://equinescience.colostate.edu

C. Wayne McIlwraith, Director oforthopaedic research

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8FRIENDSHIP HOSPITAL FOR ANIMALS1103 Oak Park Drive, Suite 101Fort Collins,CO 80525(970) 206-1868/(970) 206-9366

4N/A N/A

Small-animal practice specializing in all aspects ofveterinary medicine, including preventative care, dental

health and major surgery. AAHA accredited hospital.

N/Awww.friendshiphospitalforanimals.com

Dr. Cat Cross, DVM1997

9WRIGHT PET CLINIC125 B Carpenter RoadFort Collins,CO 80525(970) 593-9030/(970) 593-9121

314 $747,759 Veterinary care. N/A

www.wrightpetclinic.comMary Wright

2003

10WELLINGTON VETERINARY CLINIC PC3706 Cleveland Ave.Wellington,CO 80549(970) 568-7387/(970) 568-0566

311 N/A Small animal medicine, surgery and dentistry. [email protected]

www.wellingtonvets.com

DVS Wayne and Tracey Jensen,Owners

1999

11PAWS 'N CLAWS VETERINARY CLINIC225 N. Lemay Ave., No. 2Fort Collins,CO 80524(970) 493-6696/(970) 530-0699

310 N/A Full veterinary services for small animals and exotics. [email protected]

www.pncvets.com

Dr. Kevin Dale Schramm, DVM and Dr.Adrienne Schramm, DVM

1997

12MOORE ANIMAL HOSPITAL2550 Stover St., Bldg. HFort Collins,CO 80525(970) 416-9101/(970) 416-9125

3N/A N/A Veterinary hospital, boarding, grooming. [email protected]

www.mooreanimalhospital.comDouglas E. Leidholt, DVM

1969


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he or she practices there,” Neff said. “Somefolks have Wyoming licenses and hardly usethem.”

What does determine how much privi-leges are used, Neff said, is location of thephysician’s medical practice, referrals and,in some cases, insurance companies decid-ing where they will cover specific medicalprocedures.

Neff said that although numerous PVHphysicians have acquired privileges at MCR,he believes some of those will opt out with-in the year if it appears that their practices

remain largely based in Fort Collins.

Patients, referrals drive decisionPeter D. Schultz, a podiatrist with A Step

Ahead Foot and Ankle Center in Lovelandand Fort Collins who’s had privileges atMcKee Medical Center for 22 years, said it’spatient care that drives where a physicianultimately requests privileges. “I do most ofmy cases in the surgery center in FortCollins or at McKee if the patient has a con-dition to require hospitalization or if theirinsurance requires it. Bottom line, it’s usu-ally cheaper (for the patient) at a surgerycenter than a hospital.”

Making the procedure as convenient aspossible for the patient also factors into theequation. What it boils down to, he said, isthat the physician be available to his or herpatients. “It might be more convenient forthe patient to drive a quarter mile to a facil-ity rather than 15 miles.”

Without privileges at multiple sites, Schultzsaid, a physician might have to refer a patientto a physician who does have privileges ifinsurance requires that it be done at one cen-ter over another. “That’s not economical for apatient who will have to start from scratch andget a whole new workup with X-rays.”

So far, Schultz has refrained fromrequesting privileges at MCR primarily, hesaid, because he would drive right pastMcKee to get there.

Gene Haffner, director of public rela-tions at NCMC, said he saw the movetoward privileges at multiple facilities fiveto seven years ago, beginning when theFront Range Center for Brain and Spine

Surgery PC looked at how their practice wasstructured and opted to open an office inGreeley. That, he said, was an example of astrategic business decision to change andbroaden a practice from one community toanother to prepare for the future.

Another example he cited was whenNCMC switched radiology groups, aligningitself with Diversified Radiology of Col-orado PC, a Denver-based group with 60physicians throughout the Front Range.Though the practice has radiologists basedin Greeley, technology enables them to eas-ily consult with colleagues with specialtieswhen looking at difficult cases.

Haffner noted that critical shortages ofphysicians in specialty areas, such as inten-sivists in the area of critical care, has result-ed in intensive-care units being monitoredelectronically by physicians from Banner’smedical center in Phoenix. Those physi-cians, who have privileges at NCMC andfour other Banner hospitals, monitor thefive ICUs 24/7, but are usually the only doc-tors available from 7 p.m. to 7 a.m. Eachroom has a camera and speaker system thatenables the Arizona doctors to communi-cate with nurses at the local hospitals.

“What that means is the physician ismaking electronic rounds once an hour. Ifhe notices something is not right in theparameters established for a patient, he’llcall the nurse and ask the nurse to check onthe patient,” Haffner explained.

The setup, he added, “allows physiciansto practice in many individual hospitalsunder a different care format and a differ-ent business plan.”

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other services.The hospital’s Second Century Project,

which included an expanded emergencydepartment, renovated cancer institute andfour-story patient care services tower, wasdesigned to meet the needs of the area’s grow-ing population. The new tower, for example,was designed so that the number of patientbeds and infrastructure can easily double ortriple when the demand materialized.

“We obviously, in our planning efforts,are assessing population growth in variousareas and where it is a facility or locationmight benefit the most people,” Haffnersaid. “The south Weld County growth areais certainly one that’s reviewed on a quar-terly basis.”

While NCMC’s Second Century Projecthas been complete for two years, the newPlatte Valley Medical Center is nowapproaching its grand opening. At 287,301square feet, the new campus will be nearlythree times the size of the current hospital.With the new facility will come an abun-

HOSPITALS, from 26Adance of new services and equipment.

PVMC will open a cardiac catheteriza-tion lab, a heart diagnosis center and imag-ing services with the most advanced tech-nology in North America, including a 64-slice CT scanner. The hospital’s currentscanner, by comparison, takes eight slices –meaning the new equipment is eight timesas fast. “It is so fast it can literally scan abeating heart, which aids in the diagnosis ofstroke and cancers,” said Weis. “That’s atremendous capability for us.”

The hospital will also be wireless, whichmeans not only that the Internet will bewirelessly accessible but that staff will beable to wirelessly monitor patients as theymove throughout the hospital. A new spe-cial care nursery will include eight privaterooms for premature newborns that arelarge enough for a family to stay the nightwith their child.

“Right now when a baby is born prema-turely, the baby has to go to Children’s Hos-pital in Denver and parents have to go backand forth,” Weis said.

The new hospital is being supported byreserve funds, tax-exempt bonds and a cap-

ital campaign by the Platte Valley MedicalCenter Foundation. PVMC is a nonprofithospital run by a community board.

Mark Baros, also a co-director of mar-keting for PVMC, said the new project hasbeen very well received by not only thebusiness community in Brighton andsouthern Weld County, but individual resi-dents as well. “We’ve already exceeded ourgoals in terms of the amount of moneywe’ve raised,” he said. “This hospital notonly will serve a great need of increase inpopulation, but is also really embraced andwelcomed in the area.”

FROM THE ARCHIVESFind related stories in the Northern ColoradoBusiness Report archives at ncbr.com:

n “Health clinics planned for Weld towns,” 4/4/03n “New medical facilities remedy patient needs,”

5/30/03n “Medical clinics in demand in region's rural

towns,” 11/26/04

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other.Is there something about home-based

businesses that is demeaning? Absolutelynot, but it’s not the first thing I have tolearn after your name. How about the 3-month-old business? No confidence here,but that can be remedied by mentioningone’s years of experience in the field. Thatyou’re a new entrepreneur is irrelevant, ifyou know your stuff.

Adrienne’s Adage No. 3: Don’t use ups-peak.

If I were to say, “My name is AdrienneZoble?” would you counter with, “No, itisn’t”? Of course not. Then there’s absolutelyno reason for me to make my introductionsound like a question. That’s called upspeak.Upspeak is a habit that has emerged in thepast two decades that positions an individ-ual as lacking confidence and power. Trainyour people to state what should be statedfirmly and without question.

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Within six weeks, you receive a callfrom this client, who says he’s gotten a bet-ter deal elsewhere. What’s going on here?Pure emotion; but he’s definitely not goingto give you the real reason, which is he’sticked off at being handed over to thenewest kid on the block.

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Let’s repeat: Marketing isn’t logical; it’semotional. People buy based on confi-dence, comfort and chemistry. It’s smartmarketing to ensure you and your peopleunderstand this and present themselvesaccordingly.

Fort Collins resident Adrienne Zoble is amarketing consultant, speaker and author ofseveral e-books as well as “The Do-ableMarketing Plan” workbook and creator of“The 10-Minute Marketing Plan.” She holdsmonthly marketing seminars and can bereached at [email protected] or (970)282-1150.

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ments that pass in a narrow stream through alaser beam. It is used to analyze the numberand percentage of living cells in a sample, aswell as detect certain cell characteristics. Can-cer diagnostics is a common application ofthe technology.

Dako recently finished a restructuringthat was almost two years in the making,Coughenour said. The restructuring wasaimed at standardization and automationin the lab, producing greater efficiency. Italso resulted in the formation of the flow-cytometry business unit, headquartered inFort Collins.

“It’s the best of both worlds,” Coughenoursaid of the restructuring. The Fort Collinsunit now has the leverage and support ofDako, but also has the autonomy and flexibil-ity to react quickly to customer needs.

Home ruleThe local autonomy comes after several

years of concentrated operations from Den-

mark. In 2003, the company parted wayswith Nigel Ferry — the longstanding CEOof Cytomation. Ferry joined Fort Collins-based Cytomation and stayed on with thecompany as executive vice president afterthe 2002 merger with Dako. The split wasapparently over a disagreement with theboard of directors.

“It has become clear … that there aresignificant differences of opinion as to howDakoCytomation should be organized andrun going forward,” read a statement on theDako Web site regarding the split. “Theboard of directors supports the goal of oneglobal company. At the same time, corpo-rate management will reinforce communi-cation and continue to build a better under-standing of the company’s vision and strat-egy. Specifically, focus will be on executionas well as clarity of decision-making and theaccompanying accountabilities.”

The new structure is aimed at increasingresponsiveness and accountability to cus-tomers, Coughenour said. The effects of therestructuring are already obvious. In thepast, media calls were first fielded throughDako spokespeople in Denmark. The resultwas often long delays and trouble coordinat-ing with the vastly different time zones.Today, the Fort Collins site employs a com-munications representative, andCoughenour is able to field media inquiries.

Since the deal is still pending, there arefew details about specific plans for Dako.However, EQT has indicated that little islikely to change.

Build the brand“Our intention is to support manage-

ment in the further development of thecompany in accordance with the strategy asoutlined by management,” said Ole Ander-sen, senior partner at EQT. “Dako willremain headquartered in Copenhagen,

Denmark, and we will continue to build onthe Dako brand in order to realize Dako’sfull potential.”

EQT is actually a group of private equityfunds that manage about $13.8 billion inequity in 10 different funds. Its investmentsare in companies headquartered in north-ern Europe and China. The company’s pastinvestments have ranged from one to eightyears before exit.

Coughenour predicts that the buyoutwill provide the company with greater con-sistency and capital support.

“We feel we will be able to grow faster,”she said.

This would be good news for NorthernColorado. Dako’s ties in the community rundeep.

Cytomation was formed in 1988 by agroup of Australian scientists. MervynJacobson, president and CEO of XY Inc.,said he pushed for the Fort Collins location.Jacobson was the chairman, director andlargest shareholder of Cytomation.

Jacobson said it is because of Cytoma-tion’s proximity to Colorado State Universi-ty that XY came to be. XY was founded

through a partnership with the ColoradoState University Research Foundation andCytomation in 1996.

XY combined the CSU expertise in ani-mal reproduction with the cell-sortingtechnology of Cytomation to produce sex-selected sperm. The company markets itstechnology commercially to the livestockindustry — cattle and sheep. For example,in China sex selection technology is used toproduce much needed dairy cows.

The company has also proved its tech-nology in dolphins, water buffalo, domesticcats and, most recently, dogs.

XY remains linkedJacobson sold his shares in Cytomation

around the time of the Dako merger, focus-ing his attention on XY’s booming business.Jacobson estimates there are now more than1 million sex-selected animals in the worldborn through XY’s technology. DespiteJacobson’s departure, the companiesremained close.

“XY and Dako have always cooperatedand worked closely together,” he said. Dakoproduces a flow-cytometry machine exclu-sively for use by XY licensees. All XYlicensees must use Dako’s instrumentation.

Jacobson said he doesn’t know specificdetails related to the Dako buyout, but heisn’t concerned.

“In our view, that’s a very positivemove,” he said. “I don’t think it will changetoo drastically.”

So far, Northern Colorado’s employershaven’t seen any major negative impactsfrom the private equity boom. Equity firmsKKR and Silver Lake Partners purchasedAgilent’s semiconductor products group inlate 2005. The new company, Avago, hassince divested several product lines.

The divestures affected only a handful ofemployees in Fort Collins.


DAKO, from 1A

HIGH-TECH HQ — U.S., Danish and Colorado flags fly atthe entrance to the four-building campus occupied bythe Danish-owned Dako Flow Business Unit, soon tocome under ownership by a Swedish private equityfirm after a $1.3 billion sale.

Tom Hacker, Northern Colorado Business Report

Dako Flow Business Unit

Founded: 1988, as Cytomation Inc.Management: Cindy Coughenour, general managerHeadquarters: Fort CollinsProduct/Service: Develops flow cytometry instru-

mentation for use in cell sorting applications,mostly for cancer diagnostics.

Employees: 250Web: www.dako.com

SOURCE: BUSINESS REPORT RESEARCH

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By Margette [email protected]

Northern Colorado offers more oppor-tunities to see live theatre than Boulder andColorado Springs combined, according tothe Fort Collins Convention and VisitorsBureau. And a good portion of those per-formers also have day jobs.

So how do you combine a 40-hour workweek with weeks of rehearsals and three tofour performances every weekend as well asfamily and the rest of your life? We askedsome local thespians how it works for them— and why they do it.

Earlie ThomasDirector of Environmental Health Service, Col-orado State University

Earlie Thomas manages a staff of 30overseeing health and safety conditions onthe Colorado State University campus. Hestarted his career at CSU, where he playedfootball from 1967-69 to earn a scholarshipto study entomology. He went on to play inthe National Football League from 1970-75,ending his professional career as a defensiveback for the Denver Broncos. He spent theoff seasons earning a master’s degree.

Thomas’ diverse life has also includedteaching industrial science, being married to“the same, wonderful” woman for 37 years,being a father and a grandfather, and acting.

“The hardest thing about acting is com-ing out of Earlie Thomas to be that charac-ter and knowing how much of EarlieThomas to leave in the character,” he said. “Ihave had good directors to balance thecharacter with who I am.”

His first director was Wendy Ishii,founder of Fort Collins’ Bas Bleu Theatre,who encouraged Thomas to begin his act-ing career in 2003 in a three-person playabout South Africa, “A Lesson from Aloes.”

Thomas worked with Bas Bleu benefactorand former CSU professor Tom Sutherland inthe play, and their friendship has continued.

Asked to compare sports and acting,Thomas said,“Both must be pleasurable, takea lot of discipline, involve performing underpressure, and create an adrenaline rush.

“I am a scientist,” he added. “There is askilled artist inside wanting to be expressed.I act because it is fun.”

Heather LawrenceAcademic Scheduler and Events Planner, University of Northern Colorado

Heather Lawrence also works for heralma mater, UNC, where she earned a bach-elor’s degree in theater with an emphasis onacting in 2003. And she is most emphatical-ly an actress, recently honored as Best Sup-porting Actress by the Denver Post for herrole as Zillah Katz in Fort Collins’ Open-Stage Theatre’s production of “A BrightRoom Called Day.”

She has also appeared in productionswith Bas Bleu — she just closed in “DirtyStory” — as well as UNC’s Little Theatre ofthe Rockies and Denver’s Curious Theatre,and studied with The Denver Center The-atre in 2003.

“The award was an amazing honor. Iwork with great theaters in Fort Collins,and this allowed me to give back to the peo-ple I work with,” Lawrence said.

To the busy work and theater schedule,she adds children. She and her partnerBrian Hughes, volunteer coordinator atKRFC radio in Fort Collins and also anactor, blend families with three girls, ages 7to 15. They met through the theatre andhave appeared together in productions, buthave also had to deal with overlappingrehearsals.

“Knowing priorities, being massivelyorganized, and knowing my limitationskeeps my life in balance. A Google calendarthat links together each person’s schedule iscritical for us,” Lawrence said.

“The schedule is sometimes hard on thekids but directors, such as Denise Freestonewith OpenStage, bent over backwards whenI needed to bring the kids to rehearsals,”Lawrence said. “Theater is what keeps mealive and feeds me.”

Scot GagnonOwner and manager, Mountain States Plastics,Johnstown

Scot Gagnon works 9- and 10-hour daysat his plant, overseeing production of plas-tic bags and tubing. When he rehearsesthree nights a week with the Greeley Com-munity Theatre Troupe, he misses spendingtime with his four children. He and his wife,Tylene, deal with that situation by having

the children sometimes act in plays withhim, and Tylene works behind the scenes.

Gagnon said his toughest acting chal-lenge is memorizing everything, not onlythe words but where to stand on stage andthe expressions and physical movementsthat make the character believable.

Gagnon said he enjoys the escape actingprovides. “I become someone else for awhile. When I played the King in the ‘Kingand I’ the responsibility was much like mytime at the plant, but I did not have thestress.”

The secret to acting? “Know you areinsane. Anyone can do it but you have togive up something.”

Marlin MayProducer, Bruen Productions, Loveland

Marlin May’s current job as a commercialand industrial video producer came aboutthrough his connections with OpenStageTheatre, where he has appeared in more than30 productions. He spends his days creative-ly, writing and directing productions forradio, television and Web sites, while at nighthe continues creating by playing primarily

evil characters, including the Devil himself in“A Bright Room Called Day.”

“Memorizing is the dirty work of actingthat has to be done before you go on,” Maysaid. “Each has his own method. I go overlines until they are in my bones.”

May is playing four different characters,each with his own voice, in “The ImaginaryInvalid,” which opens March 31 at Bas Bleu,with Hughes in the title role.

“It’s hard work to work full-time andthen rehearse four times per week or per-form three or four times on weekends. Youdon’t do it for money.”

Charlie FerrieU.S. Postal Service Carrier, Fort Collins

If you have seen a postman talking andgesturing around Fort Collins, you may haveseen Charlie Ferrie practicing his lines. Workdays can begin at 7 a.m. and end at 7 p.m., justin time for a rehearsal or performance.

Whatever role he’s working on, be itKing Lear or a humble rabbi, Ferrie takeshis character into his work and his life. Aftera chicken fell in the oven while he waspreparing for “Splitting Infinity” for Open-Stage earlier this year, he cleaned up thesplattered mess with uncharacteristic calm.When his wife — Jeanne Shoaff, director ofprograms for the Fort Collins Museum ofContemporary Art — commented on hisattitude, Ferrie responded, “I’m channeling

the Rabbi.”He has appeared in productions at CSU,

Foothills Civic Theatre, Front Range Cham-ber Players, Fort Collins Children’s Theatre,as well as OpenStage and Bas Bleu.

“The reason I act is to tell a story andmake the world better. The arts help peoplefind answers. Artists have things to saybeyond politicians and teachers.”

Dan WeitzMarketing Director, Boulder Brewery

“I love my job,” Dan Weitz said. “There issomething new every day. In fact, our goal isto have 50 ideas a day. We discuss, joke andhalf an hour later have a plan.”

The fun doesn’t stop when he works asCompany Manager for OpenStage. “Mybiggest job is throwing a party for 200under a tent in the summer.”

Weitz actually does a great deal of publicrelations for the company and serves as theliaison between the artistic managementand the actors. As a single parent with splitcustody, his boys take priority, but he hasworked with several theatres around theregion, as have his parents and now his son.

The play Weitz is most proud of is “TheExonerated,” from OpenStage’s 2005-06season. “The play had something importantto say about capital punishment, and audi-ences were affected by it. The audiencedeserves to get the best show. That’s whatbeing a professional means – giving yourbest effort.”

Ken Benda, Office Manager, United Way ofLarimer County

Ken Benda comes from Chicago, whereOff Loop rivals Off Broadway productions.He worked in theatre there, including with thefamed Steppenwolf Theatre Company, for adecade before moving west to attend CSU.

“Chicago has hundreds of theatres andactors,” he observed. “The quality in North-ern Colorado is every bit as good.”

Benda has appeared in productions forboth OpenStage and Bas Bleu. He said hefinds a synergy is created as the actors andaudience set up a relationship. “Live theateris so different. It’s not passive. The audienceis a necessary component.”

When you can’t give up your day job, just act outLocal actors talkabout how theydo it all, and why

Courtesy Marlin May

ONLY EVIL ON STAGE — Marlin May specializes inplaying the villian.

Courtesy Bill Cotton

EARLIE LATE BLOOMER — Earlie Thomas, right,shown onstage with Leonard Barret Jr., began acting20 years after his NFL career ended.

Courtesy Heather Lawrence

ONE OF THE BEST — Heather Lawrence, shown bothin and out of character, was recently honored for herwork with OpenStage Theatre, by the Denver Post.

Courtesy OpenStage Theatre & Company

ONSTAGE MANAGER — Dan Weitz last performed in“The Exonerated” for OpenStage Theater, where healso serves as Company Manager.


When Robert Wilson, president ofColumbine Health Systems, bought theformer Steele’s Market property at MarketCentre at 802 W. Drake Road in FortCollins, he was not quite sure what hewanted to do with it.

“He did know thathe didn’t like all thenoise the grocerystore delivery trucksmade,” said Christo-pher Barrett, generalmanager of the newlyopened CaféColumbine &Bakery. “So hebought the propertyand held on to it untilhe could figure some-thing out.”

Café Columbine, Market Centre Med-ical Equipment & Supplies, Market Cen-tre Rehabilitation Services and LifestyleCentre, plus a distribution center andemployee resource center, are parts of Wil-son’s equation so far. Each piece supportsthe health system, and together they allowWilson to control his costs.

“The original idea was that the CaféColumbine & Bakery would support thehealth systems here in Fort Collins,” Bar-

rett said. “There are 1,200 employees whowork here and residents who live indepen-dently. But what has happened in the fourmonths we have been open is that 80 per-cent of our business is from the public.That’s good, but we didn’t expect it.”

The other thing that Barrett did notexpect was the instant popularity of theconference and banquet space.

“We’re getting a lot of people who werehaving meetings at the Senior Center.Here we can provide the catering on site,”he said. “I had to hire an event coordinatorbecause that part was just too busy for meto handle.”

The banquet menu is extensive, witheverything from breakfast buffets to a“chocolate lovers break,” pasta bars for lunchand pistachio-crusted halibut for dinner.

“Our chef, Ernie Post, has worked forthe Marriott and for Chef Prudhomme,”Barrett said. “He was at the Eaton CountryClub, but he wanted to be closer to FortCollins, where he lives.”

In his career, Barrett has opened a lot ofrestaurants, including Red Robins, andmanaged more — Bisetti’s in Fort Collinsand Estes Park’s famous Stanley Hotel’sfood and beverage, among others. Butopening Café Columbine and the banquetrooms, all 14,000 square feet of them, wasan entirely different experience.

“The first thing I did was throw out allthe deep fryers. We have no trans fats,” he

said. “Because people here have specialdietary requirements, we have lots ofgood-tasting sugar-free desserts. And thenwe have some that are pure indulgence. It’sa real balancing act.”

Barrett explained that the bakery partof Café Columbine & Bakery has yet tocome into full operation, but when it does,it will bake for all the Columbine facilitiesincluding the café and for the public.

“We will become a full-blown bakerythis month,” he said. “We will bake ourbread with no preservatives or salt and canmake specialty bread for special orderswith 24 hours’ notice. Of course, our bak-ers who went to culinary school want tocreate beautiful buttercream cakes. We’lldo that, too.”

The HobnobberWhen longtime restaurateur Mike

Hood and his two partners, chefs D.J.Nagle and Dan Chrzanoski, signed on withthe Town Square at St. Michaels in Gree-ley, they came with not one concept, buttwo: The Harvest Modern CountryKitchen for comfort food served family-style and The Hobnobber Tavern. TheHarvest opened in November. The Hob-nobber makes its debut this month.

“We want this tavern to feel like anEnglish, Scottish or Irish public housebuilt in 1900 that was remodeled some-time in the 1940s,” Hood said. “It isintended to be a gathering place that isfamily-friendly.”

Hood noted that the hottest trend inmall development involves creating spaces

where people can meet and socialize.“The tavern has darts and shuffle-

board,” he said. “The bar is handmade andtook six months to complete; it’s beautiful.For the kids, there’s a root beer wall withfive different kegs of root beer. They canhave their own mugs and fill them up.”

For adults who might want to pass onthe root beer, chef Nagle said that alongwith great pub food — stew, sandwiches,even pizza — the Hobnobber will featureBass, Guinness, Harp and Boddington’sales, along with local microbrews andother Colorado beers.

“After a hard winter, people are ready toget out and socialize,” Nagle said. “It willbe nice.”

Short BitesIf it’s spring, it must be time for cooking

classes at The Cupboard on College Avenuein Fort Collins. “They are filling up fast,”said owner Carey Hewitt. “You can view afull list on the Web site, www.thecup-board.net, but you need to register either atthe store or by phone — (970) 493-8585.”

So branch out a little and learn a fewculinary tricks from Vietnam, India (vegand non) and Germany or how to pairwine with Asian fusion cuisine. Wine class-es are held nearby at Jay’s Bistro or theStonehouse Grille.

Jane D. Albritton is a contributing writerfor the Northern Colorado Business Report.Her monthly column features restaurant andhospitality industry news. She can be con-tacted at [email protected].

Café Columbine & Bakery draws unexpected crowdConference, banquetspace on west sideFC’s new hot spot

STEPPING OUTJane D. Albritton


ADVERTISING INFO

Aubrey McCarthyMarketing Consultant

141 S. College Ave. Fort Collins, CO 80524

(970) 221-5400 x 226 Fax (970) 221-5432

[email protected]

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OFFICE141 S. College Ave., Fort Collins, CO 80524-2810

(800) 440-3506 • (970) 221-5400

Fax: (970) 221-5432

www.ncbr.comC0-PUBLISHERS

Jeff [email protected]

Christopher [email protected]

NEWSEditorTom [email protected]

Managing EditorKate [email protected]

ReportersKristen [email protected]

Steve [email protected]

Research DirectorKathleen [email protected]

Research AssistantKate [email protected]

Copy Editor/Web EditorNoah [email protected]

MARKETINGMarketing DirectorJim Rath

[email protected]

ADVERTISINGSenior Account ExecutivesLindsay [email protected]

Nancy [email protected]

Account Executives

Sandy [email protected]

Carol [email protected]

Aubrey [email protected]

Special Project Account ExecutiveJacob [email protected]

Classified Account ExecutiveAshlan [email protected]

PRODUCTIONProduction ManagerBernie [email protected]

Art DirectorChad [email protected]

Creative DirectorJames [email protected]

ADMINISTRATIONOffice ManagerLori [email protected]

I.T. DirectorChris [email protected]

CIRCULATIONCirculation DirectorApril [email protected]

Circulation ConsultantJoe [email protected]

CONTRIBUTING WRITERS & PHOTOGRAPHERSCari Merrill, Jessica Centers, Margette Pulis,Luanne Kadlub, Jane Albritton, John Green,Adrienne Zoble

NorthernColorado

BUSINESSREPORT

Regional watersupply projectmeets all needs

EDITORIAL&COMMENTARYE D I T O R I A L

The Business Report has used this space inthe past to endorse the proposed NorthernIntegrated Supply Project, a water-storage anddistribution plan that would add 200,000 acrefeet of storage to the region’s water portfolio.

Having heard again from backers andopponents of the project during the past fewweeks, we line up again in support of the stor-age plan, shared by 16 municipalities andwater districts in Northern Colorado at a costof $350 million.

The Poudre Canyon Group of the SierraClub leads a coalition of conservation interestsin opposing the storage plan, saying it threat-ens water quality and wildlife habitat andwould artificially drive population growthrates higher in order for the project’s ownersto finance it.

They also say that water users in NorthernColorado can conserve enough to account forthe storage that the project’s two reservoirs,Glade Reservoir north of Fort Collins andGaleton Reservoir northeast of Greeley, wouldprovide.

But we’re again persuaded by the logic thatthe Northern Colorado Water ConservancyDistrict, the originator of the storage and dis-tribution plan, puts behind its argument thatconservation alone cannot ensure a sufficientfuture supply that will support all water users,including city dwellers and farmers.

The district’s managers say, correctly, thatgrowth in Colorado will not be limited bywater availability. New residents will arrive inthis region whether or not conservationistswant to see them. Water for newcomers,assuming no storage is added to the supplysystem, will draw down the 80 percent share ofthe total water available that now goes to agri-cultural users.

In other words, even with conservationmeasures in place, inevitable populationgrowth will progressively dry Northern Col-orado farms.

The conservationists hoist the city of Auro-ra as an example of how reducing per-capitawater consumption to 100 gallons a day canmeet supply targets.

The snapshot statistic they provide wastaken in 2002, during the driest of droughtsummers. It reflects not so much a communi-ty commitment to conservation as it does acommunity that simply ran out of water.

We agree that conservation is a goal thatevery community and water user should makea priority as we work to get the most out ofour available water supply. But in the mean-time, we need to ensure the West’s most pre-cious resource remains available to all users —farmers, urban residents and businesses. TheNorthern Integrated Supply Project is a steptoward meeting that commitment.

It exists on paper, but should it exist inreality?

Local publications, including the NorthernColorado Business Report, the Fort CollinsColoradoan, the Greeley Tribune and theLoveland Daily Reporter-Herald all reportedrecently on a series ofincorporations filed withthe Colorado Secretaryof State.

The Fort Collins AreaChamber of Commercefiled various articles ofincorporation for theNorthern ColoradoChamber, the NorthernColorado Chamber ofCommerce, the LarimerCounty Chamber and theLarimer County Chamber of Commerce. Thethree incorporations, filed Feb. 21, came afterthe chamber registered similar trade names in2004, including the Fort Collins Area GreenChamber of Commerce and the NorthernColorado Green Chamber of Commerce.

But the actual filing of articles of incorpora-tion led many to wonder whether local cham-bers of commerce were discussing a merger, orwhy these new organizations were formed.

Fort Collins Chamber president and CEODavid May said the corporations wereformed to protect the names in the event thatany group decided for form a regional cham-ber. Having the Fort Collins chamber ownthose names would ensure that it would beparty to any future discussions that mightoccur in that regard.

But should there be a regional chamber ofcommerce, in reality as well as on paper?

Many regional businesses leaders privatelysay yes. But they’re sensitive to how thatbelief will be viewed within the municipalboundaries of Fort Collins, Greeley andLoveland.

Northern Colorado’s economy has region-alized, meaning that many local businessesconduct operations across municipal bound-aries. Additionally, businesses increasinglyfind that their employees work in a different

community than they live.Officials at chambers of commerce in Fort

Collins, Greeley and Loveland deny that anymerger talks are in progress. And although aregional chamber working alongside the localchambers is theoretically possible — andlikely in the long run — much could begained by having the chambers organize aquasi regional chamber. Here’s how a quasiregional chamber could work:

n Create a new membership fee thatwould grant a business membership in allthree organizations. This could be a slightdiscount over what a business would pay foreach local membership separately. Chamberswould likely find their membershipsincreased by streamlining the process.

n Coordinate calendars for chamberevents. This didn’t use to be a problem, but ithas become increasingly difficult over theyears. A chamber event in Loveland shouldnot occur on the same night as a chamberevent in Greeley, for example. Just a couple ofweeks ago, the Greeley Chamber and the FortCollins Chamber both had their annual din-ners on the same night, affecting attendanceat both events.

(While they’re at it, local chambers shouldalso coordinate schedules with the two majoreconomic-development corporations, avoid-ing conflicts such as the March 22 GreeleyBusiness After Hours and the Upstate Col-orado Economic Development annual dinnerthe same evening.

n Create a common database for chambermemberships, eliminating duplication of annu-al updates for chamber membership directories.

n Publish a common, Northern Coloradochamber directory, freeing vast amounts oftime and money spent on publication of sep-arate directories.

n Seek other opportunities to align withone another, duplicating the example set bythe Northern Colorado Legislative Alliance,the lobbying arm of the three chambers andtwo economic-development organizations.

Formation of a true regional chamber ofcommerce eventually will happen. In themeantime, local chambers should look forevery opportunity to cooperate and align.

Christopher Wood is past chairman of theFort Collins Area Chamber of Commerce andincoming chairman of the Greeley Chamber ofCommerce. He can be reached at (970) 221-5400 or via e-mail at [email protected]. Catchhis blog, Woody’s World, at www.ncbr.com.

Why not a Northern Colorado chamber?

PUBLISHER’SNOTEBOOKChristopher Wood

‘Quasi’ organizationmay be best optionfor aligning groups


Editor’s note: Fort Collins is holding amunicipal election on April 3. Voters will electa mayor and three City Council members, aswell as decide several ballot issues. Ballots willbe mailed to registered voters prior to the elec-tion date.

Troxell has positive visionWade Troxell has a positive vision of the

future of Fort Collins. He is at the heart ofthe public-private partnerships that willsustain Fort Collins as a great place to live.His extensive record as a team player, con-vener and problem-solver is outstanding.

Wade leads education and economic ini-tiatives at the largest economic engine inNorthern Colorado as a professor of Engi-neering at Colorado State University. Wadehas served the public for years with greatresults.

Please elect Wade to City Council.

Donn HopkinsFort Collins

Colton for CouncilPlease join my neighbors and me in vot-

ing for my friend Glen Colton for CityCouncil. He and his family have been ourneighbors and friends for years. Glen is theperson that we have always been able tocount on.

When our daughters’ junior high soccerteam needed someone willing to serve ashead coach, Glen offered to do so, andbecame an enthusiastic and inspiringcoach. He really listened to the girls andincorporated their ideas in his coaching. Hetaught them to respect each other, theircompetitors and themselves.

When we had a problem with driversspeeding through our neighborhood, Glenhelped coordinate a plan with the neigh-bors, and he worked with the city to helpsolve the problem.

Now many people in our area are con-cerned about a proposed roundabout atShields and Harmony; Glen is already talk-ing to City Council about our concerns.

Glen has lived in our neighborhood forover 17 years and has volunteered on cityissues for much of that time. He has theexperience, commitment, and time todevote to City Council.

I’m voting for Glen Colton for CityCouncil for southwest Fort Collins — Dis-trict 4. I hope you will, too.

Susan ShillingFort Collins

I have followed Glen Colton’s involve-ment with Fort Collins for many years. Ifind that he gives freely of his time and isgenuinely interested in this community. Heis my choice for city council in District 4.

Few have the concern for ensuring wehave open space to enjoy than Glen. He hasworked on neighborhood parks and manyof the natural areas we enjoy are because ofGlen’s hard work on open space.

Glen Colton is concerned that we haveenough water when other cities far awayhave eyes on transferring Poudre Riverwater and reducing the flows throughdowntown. The Poudre River runningthrough Fort Collins is our gem. Glen willprotect it.

Glen wants citizens to be able to breatheclean air. Glen has worked on transporta-tion challenges that will help Fort Collins’air quality and reduce pollution.

Of all candidates for City Council, GlenColton has a record back 20 years of caringfor the well-being of Fort Collins. Glen willkeep an eye on the future and work hard forall of us.

Vote for Glen Colton for City Council inDistrict 4!

Dolores WilliamsFort Collins

Please vote for Glen Colton as the repre-sentative of District 4 on the City Council.

I have known Glen for many years. Wemet through our children who went toschool together and it is the concern for thefuture of our children that brought ustogether on the Fort Collins SustainabilityGroup.

Glen has a balanced view on the futureof Fort Collins. He supports a healthy econ-omy and a healthy environment and con-

siders both as equally important for ourcommunity. Glen supports local businesses,including clean energy businesses which arecritical for local job creation and the envi-ronment.

As a friend I value Glen’s outstandingcharacter and his willingness to listen topeoples’ concerns. Glen Colton is an excel-lent candidate to represent District 4 on theCity Council.

Reiner LombFort Collins

Editor’s note: The following are a sam-pling of comments we have received inresponse to articles, polls and blogs posted onour Web site, www.ncbr.com.

Counties need help in fighting fraud, theft (originally appeared in March 2-15 issue

of NCBR)It would be helpful to set up a Web page

with e-mail alerts for the financial institu-tions to share information that is time sen-sitive. This way we could be more proactivein identifying scams early to help minimizelosses within our community.

Further, it would be helpful to meetmonthly to discuss activities around thisissue and to also provide training at thelocal level. We do a great job in training ouremployees globally but often times it is thescams that are happening in our area thatshould be shared.

Brady Tomlin, Washington Mutual Bank- Mulberry location

Fort Collins

In response to the poll question:What sales tax increase would you sup-

port to fund transportation improvementsin Northern Colorado?

We definitely need to view our trans-portation issues on a more long-term basis.I’ve seen reports that talk about future grid-lock. Depending upon the time and the dayof the week, we’re fast approaching thatnow! Let’s all consider that we will eitherown the problem or the solution!

Diane Campbell

I support a continual method of fundinginfrastructure and transportation issuesbefore they become urgent. I strongly sup-port roundabouts!

R. Griggs

It’s important that our transportationsystem keep pace with the growing region. Iremember when we didn’t need trafficreports on the local radio stations. It willonly get worse unless we plan (and finance)for the future.

Ted Borstad

Our region is in desperate need of trans-portation improvements and there isn’tenough money available from the state orthe federal government to fund our needs.We need to do it ourselves before our trafficcongestion and failing highways ruin ourquality of life.

Barbara Koelzer

I’d want to see specific projects beforevoting a new tax.

Ron Lautzenheiser

Full poll results and the current questionappear elsewhere on this page. Click on overto www.ncbr.com and join the conversa-tion.

LETTERS TO THE EDITOR

The ‘in’ box is openWrite the Northern Colorado Business Report

to comment on our content or to raise issues ofinterest to the business community.

Letters must be limited to 300 words. Longerguest opinions may be considered upon request.Please include address and telephone numbers sothat we can verify your submission.

The Business Report reserves the right to editfor length, and to reject letters that are potential-ly libelous.

E-mail letters to Tom Hacker,[email protected] or submit comments throughour Web site, www.ncbr.com. Snail mail to 141 S.College Ave., Fort Collins, CO 80524.

NCBR poll watch

What sales tax increase would you supportto fund transportation improvements inNorthern Colorado?

No increase.

27%

41%

32%

Half-cent increase.

1-cent increase.

These results reflect responses to the onlinepoll at www.ncbr.com Feb. 26 through March 12.

Would country of origin labels influence thefood items you purchase?

Answer now at www.ncbr.com. Repsonseswill be accepted through March 29.


BANKRUPTCIES

Applications for bankruptcy protection are filedwith the U.S. Bankruptcy Court in Denver. Chapter 7denotes filings made for liquidation. Chapter 11 indi-cates filings for reorganization. Chapter 13 indi-cates filings that enable petitioners to pay off theircreditors over three to five years.

LARIMER COUNTY

JILL RENEE BRAMMER, 216 SPRAGUE AVE.,BERTHOUD, CO 80513. CASE NO.: 2007-11393. DATE:2/22/07. CHAPTER: 7.

PHILLIP CHARLES CORLEY, 845 FAWN LANE, ESTESPARK, CO 80517. CASE NO.: 2007-11186. DATE: 2/15/07.CHAPTER: 7.

SONDRA D BROWN, 1720 KIRKWOOD DRIVE, FORTCOLLINS, CO 80525. CASE NO.: 2007-11139. DATE:2/14/07. CHAPTER: 7.

BRYONY CAGE RUBY, P.O. BOX 271534, FORTCOLLINS, CO 80527. CASE NO.: 2007-11141. DATE:2/14/07. CHAPTER: 7.

JAMES PATRICK IMES, 4336 SHADOW BROOKECOURT, FORT COLLINS, CO 80526. CASE NO.: 2007-11160. DATE: 2/14/07. CHAPTER: 7.

JILLIAN ANN SHINN, 712 THEO AVE., FORT COLLINS,CO 80521. CASE NO.: 2007-11201. DATE: 2/15/07. CHAP-TER: 7.

DAVID ALLEN MARTIN, 501 NOKOMIS COURT, FORTCOLLINS, CO 80524. CASE NO.: 2007-11245. DATE:2/16/07. CHAPTER: 7.

GREGORY MANFORD WILLIAMSON, 2612 WOR-THINGTON AVE., FORT COLLINS, CO 80526. CASE NO.:2007-11266. DATE: 2/17/07. CHAPTER: 7.

CHAD EDWARD INGERSOLL, 426 SUNDANCE CIRCLEN., FORT COLLINS, CO 80524. CASE NO.: 2007-11280.DATE: 2/19/07. CHAPTER: 7.

MICHAEL R. EDGERLEY, 572 DENNISON AVE., FORTCOLLINS, CO 80526. CASE NO.: 2007-11304. DATE:2/20/07. CHAPTER: 7.

THOMAS JAMES AUSTIN, 3626 S. TIMBERLINEROAD, # 208, FORT COLLINS, CO 80525. CASE NO.:2007-11341. DATE: 2/21/07. CHAPTER: 7.

BOBBY RAY HAMBY, 2220 N. HIGHWAY 287, FORTCOLLINS, CO 80524. CASE NO.: 2007-11359. DATE:2/21/07. CHAPTER: 13.

HUGH KEVIN MCELWAIN, 3119 CROCKETT ST., FORTCOLLINS, CO 80526. CASE NO.: 2007-11435. DATE:2/23/07. CHAPTER: 7.

DIANA M. LEEPER, 3109 E. MULBERRY ST., FORTCOLLINS, CO 80524. CASE NO.: 2007-11449. DATE:2/23/07. CHAPTER: 7.

KIMBERLY LASHON HOLLOWAY, 2404 CLEARVIEWAVE., APT. 7, FORT COLLINS, CO 80521. CASE NO.:2007-11455. DATE: 2/23/07. CHAPTER: 7.

CASSANDRA LOUISE TRESTER, P.O. BOX 269,LAPORTE, CO 80535. CASE NO.: 2007-11373. DATE:2/21/07. CHAPTER: 7.

JOHN FORREST LORENZ, P.O. BOX 7764, LOVELAND,CO 80537. CASE NO.: 2007-11164. DATE: 2/14/07. CHAP-TER: 7.

RODNEY WAYNE RODMAN, 1072 LYNX AVE., LOVE-LAND, CO 80538. CASE NO.: 2007-11183. DATE: 2/15/07.CHAPTER: 7.

RAYMOND CURTIS TABOR JR., 410 AUDREY DRIVE,LOVELAND, CO 80537. CASE NO.: 2007-11202. DATE:2/15/07. CHAPTER: 7.

EDWARD W. DALY III, 304 W. 52ND ST., LOVELAND,CO 80538. CASE NO.: 2007-11210. DATE: 2/15/07. CHAP-TER: 7.

MARCIA B. NELSON, 610 W. FOURTH ST., LOVELAND,CO 80537. CASE NO.: 2007-11232. DATE: 2/16/07. CHAP-TER: 7.

MELISSA MARIA BURTON, 529 KNOBCONE DRIVE,APT. 204, LOVELAND, CO 80538. CASE NO.: 2007-11328.DATE: 2/20/07. CHAPTER: 7.

WILLIAM J. KEYSER, 903 W. FIFTH ST., LOVELAND,CO 80537. CASE NO.: 2007-11329. DATE: 2/20/07. CHAP-TER: 7.

CRAIG ALAN SINGLETON, 2293 PAONIA ST., LOVE-LAND, CO 80538. CASE NO.: 2007-11419. DATE: 2/23/07.CHAPTER: 7.

HAROLD ERNEST LEWIS, 1 ASPEN DRIVE, BOX 8,LOVELAND, CO 80538. CASE NO.: 2007-11431. DATE:2/23/07. CHAPTER: 7.

CRYSTAL C. NAVARRO, 725 N. WASHINGTON, LOVE-LAND, CO 80537. CASE NO.: 2007-11443. DATE: 2/23/07.CHAPTER: 7.

ANTONIO PASTRANA, 3381 PUCHARA COURT, LOVE-LAND, CO 80538. CASE NO.: 2007-11473. DATE: 2/23/07.CHAPTER: 7.

MATTHEW STEPHEN LANE, 3357 MAMMOTH CIRCLE,WELLINGTON, CO 80549. CASE NO.: 2007-11157. DATE:2/14/07. CHAPTER: 7.

WELD COUNTY

TOM L GUIN, 82 PELICAN AVE., BRIGHTON, CO 80601.CASE NO.: 2007-11184. DATE: 2/15/07. CHAPTER: 7.

DENISE BEVERLY ANN MARTINEZ, 12215 NEWPORTDRIVE, BRIGHTON, CO 80602. CASE NO.: 2007-11190.DATE: 2/15/07. CHAPTER: 7.

PAULA K. BROWN, 30265 E. 166TH AVE., BRIGHTON,CO 80603. CASE NO.: 2007-11195. DATE: 2/15/07. CHAP-TER: 13.

THUY VY THI NGUYEN, 13884 MONROE ST.,BRIGHTON, CO 80602. CASE NO.: 2007-11244. DATE:2/16/07. CHAPTER: 7.

MARIE ELIZABETH TORREZ, 201 BALSAM AVE.,BRIGHTON, CO 80601. CASE NO.: 2007-11291. DATE:2/20/07. CHAPTER: 13.

JEROME KRAMER, 408 N. 11TH AVE., BRIGHTON, CO80601. CASE NO.: 2007-11330. DATE: 2/20/07. CHAP-TER: 7.

NICKE LEE GOTSCHALL, P.O. BOX 1291, BRIGHTON,CO 80601. CASE NO.: 2007-11398. DATE: 2/22/07. CHAP-TER: 7.

KEVYN W. GESICK, 3807 MCAVOY AVE., EVANS, CO80620. CASE NO.: 2007-11404. DATE: 2/22/07. CHAP-TER: 7.

JASON P. DONOVAN, 5754 CANYON CIRCLE, FREDER-ICK, CO 80504. CASE NO.: 2007-11148. DATE: 2/14/07.CHAPTER: 7.

CAROLYN MURPHY, 303 S. HAWTHORN ST., FREDER-ICK, CO 80530. CASE NO.: 2007-11460. DATE: 2/23/07.CHAPTER: 7.

RANDALL JOSEPH KNIFFEN, 34261 COUNTY ROAD57, GILL, CO 80024. CASE NO.: 2007-11466. DATE:2/23/07. CHAPTER: 7.

KRISTI LEANNE MADRON, 577 E. 19TH ST., GREELEY,CO 80631. CASE NO.: 2007-11138. DATE: 2/14/07. CHAP-TER: 7.

REBECCA L. GARCIA, 2102 30TH ST., GREELEY, CO80631. CASE NO.: 2007-11140. DATE: 2/14/07. CHAPTER:7.

MARK DANIAL ZOGG, 2280 FIRST AVE., #96, GREE-LEY, CO 80631. CASE NO.: 2007-11161. DATE: 2/14/07.

CHAPTER: 7.

MIRANDA MARIE KIRBY, 3770 W. 24TH ST., APT. B16,GREELEY, CO 80634. CASE NO.: 2007-11168. DATE:2/15/07. CHAPTER: 7.

RICHARD P. PEREZ, 4124 W. 30TH STREET PLACE,GREELEY, CO 80634. CASE NO.: 2007-11310. DATE:2/20/07. CHAPTER: 7.

GARY C. WHITE, 4724 LASSEN COURT, GREELEY, CO80634. CASE NO.: 2007-11387. DATE: 2/22/07. CHAP-TER: 7.

SYLVIA YBARRA, 3102 17TH AVE., GREELEY, CO 80631.CASE NO.: 2007-11423. DATE: 2/23/07. CHAPTER: 7.

CORBETT HALL BRASHEAR JR., 3008 53RD AVE.,GREELEY, CO 80634. CASE NO.: 2007-11434. DATE:2/23/07. CHAPTER: 7.

OSCAR JOAQUIN GUADERRAMA, 818 FOURTH ST.,GREELEY, CO 80631. CASE NO.: 2007-11469. DATE:2/23/07. CHAPTER: 7.

ROGER T. CARROLL, 37 DAHLIA ST., HUDSON, CO80642. CASE NO.: 2007-11149. DATE: 2/14/07. CHAPTER:7.

MICHAEL COLBY WILLIAMSON, 1709 WOOD DUCKDRIVE, JOHNSTOWN, CO 80534. CASE NO.: 2007-11137.DATE: 2/14/07. CHAPTER: 7.

JALENE R. WELZIG, 222 WILLOW DRIVE, MEAD, CO80542. CASE NO.: 2007-11171. DATE: 2/15/07. CHAPTER:7.

KORI LYNN LOPEZ, 342 SCOTCH PINE COURT, WIND-SOR, CO 80550. CASE NO.: 2007-11410. DATE: 2/22/07.CHAPTER: 7.

FORECLOSURES

This section includes notices of election anddemand filed by creditors alleging default on adebt. Foreclosures are not final until a PublicTrustee’s Deed has been issued. Included are theborrower, property address, lender, amount anddate filed.

LARIMER COUNTY

BORROWER: ROBERT J. III & AUBREY KOFRON,4105 FLORENCE DRIVE, LOVELAND, CO 80538-5573.LEGAL DESCRIPTION: BUCK 1ST SUB; LOT 18 BLK 3.LENDER: COUNTRYWIDE HOME LOANS INC. AMOUNTDUE: $200804. CASE NO.: 10246. DATE: 2/8/07.

BORROWER: CHARLES W. SHEPPAROAD, 3477PINECLIFFE AVE., LOVELAND, CO 80538-5326. LEGALDESCRIPTION: FAIRWAY WEST 6TH SUB; LOT 1 BLK 1.LENDER: BANK NEW YORK. AMOUNT DUE: $324000.CASE NO.: 10247. DATE: 2/8/07.

BORROWER: CHRISTOPHER A. BUTLER, 238 E.RIVERSIDE DRIVE, #A, ESTES PARK, CO 80517. LEGALDESCRIPTION: RIVERSIDE SUB TO ESTES PK; LOT 26.LENDER: BANK NEW YORK TRUSTEE. AMOUNT DUE:$244351. CASE NO.: 10248. DATE: 2/8/07.

BORROWER: WILLIAM & ROBIN WRIGHT, 2269 WIN-TER PARK ST., LOVELAND, CO 80538-6200. LEGALDESCRIPTION: HARVEST GOLD 2ND SUB; LOT 3 BLK 10.LENDER: AURORA LOAN SERVICES LLC. AMOUNT DUE:$194299. CASE NO.: 10249. DATE: 2/8/07.

BORROWER: DEAN ALAN FARREN, 651 BAYBERRYCIRCLE, FORT COLLINS, CO 80524-5419. LEGALDESCRIPTION: GREENBRIAR VLG PUD FLG 3; LOT 13.LENDER: CHASE HOME FINANCE LLC. AMOUNT DUE:$188024. CASE NO.: 10250. DATE: 2/8/07.

BORROWER: STEVEN D. & CHRISTINE SEXTON,1006 BLUE SPRUCE DRIVE, LOVELAND, CO 80538-2859. LEGAL DESCRIPTION: ORCHARD EST 2ND SUB;LOT 20 BLK 6. LENDER: BANK NEW YORK. AMOUNTDUE: $197652. CASE NO.: 10522. DATE: 2/9/07.

BORROWER: MITCH M. & LISA BURROUGHS, 1409GREY ROCK DRIVE, FORT COLLINS, CO 80521. LEGALDESCRIPTION: 0016 Section 19 T8N-R68W. LENDER:COUNTRYWIDE HOME LOANS SERVICI. AMOUNT DUE:$780000. CASE NO.: 10523. DATE: 2/9/07.

BORROWER: JENNIFER ANNE & JEFF ALLEN WIT-TENAUER, 3364 LAREDO LANE, FORT COLLINS, CO80526-4234. LEGAL DESCRIPTION: CHAPARRAL PUD;LOT 1 BLK 2. LENDER: US BANK NA TRUSTEE. AMOUNTDUE: $155556. CASE NO.: 10524. DATE: 2/9/07.

BORROWER: KENNETH A. & ANNA M. YATES, 3577PINECLIFFE AVE., LOVELAND, CO 80538-5332. LEGALDESCRIPTION: FAIRWAY WEST 6TH SUB; LOT 3 BLK 2.LENDER: DEUTSCHE BANK NATL TRUST CO. AMOUNTDUE: $267564. CASE NO.: 11869. DATE: 2/14/07.

BORROWER: EVELYN L. AUNGST., 1026 E. SEVENTHST., LOVELAND, CO 80537-4956. LEGAL DESCRIPTION:4021 Section 13 T5N-R69W. LENDER: LASALLE BANKNA TRUSTEE. AMOUNT DUE: $134935. CASE NO.: 11871.DATE: 2/14/07.

BORROWER: AMY URBAN, 527 DUNRAVEN DRIVE,FORT COLLINS, CO 80525-7110. LEGAL DESCRIPTION:HUNTINGTON HILLS PUD FLG 6; LOT 80. LENDER:WELLS FARGO BANK. AMOUNT DUE: $190369. CASENO.: 11872. DATE: 2/14/07.

BORROWER: DAVID RYTERSKI, 229 SAND GROUSEDRIVE, LOVELAND, CO 80537-6569. LEGAL DESCRIP-TION: GARDEN GATE 1ST SUB; LOT 6 BLK 8. LENDER:LASALLE BANK NA TRUSTEE. AMOUNT DUE: $179463.CASE NO.: 11873. DATE: 2/14/07.

BANKRUPTCIES • FORCLOSURES • INVENTIONSLEADSINVENTIONS

The U.S. Patent & Trademark Office recentlyawarded the following patents to Northern Col-orado inventors and companies. Included arethe patent number, description, inventors,assignee-at-issue and date awarded. Numberspreceded by a “D” were awarded for a design;“RE” indicates a reissue.

Patent No.: 7182163, Positioning mechanismfor a vehicle. Inventor: Gipson, Tommie Carroll,Eaton, Colo. Date: 2/27/07.

Patent No.: 7182818, System to produce sugarfrom plant materials. Inventor: Sanders, David O.,Loveland, Colo. Assignee-at-Issue: Nalco Co.,Naperville, Ill. Date: 2/27/07.

Patent No.: 7183080, Cannie IL-5 nucleic acidmolecules. Inventors: Yang, Shumin, Palo Alto,Calif.; McCall, Catherine A., Boulder, Colo.; Weber,Eric R., Fort Collins, Colo. Assignee-at-Issue:Heska Corp., Loveland, Colo. Date: 2/27/07.

Patent No.: 7183386, Feline immunoglobulin Eproteins and compositions thereof. Inventors:McCall, Catherine, Boulder, Colo.; Weber, Eric,Fort Collins, Colo. Assignee-at-Issue: Heska Corp.,Loveland, Colo. Date: 2/27/07.

Patent No.: 7183542, Time of flight ion traptandem mass spectrometer system. Inventor:Mordehai, Alex, Loveland, Colo. Assignee-at-Issue: Agilent Technologies Inc., Santa Clara,Calif. Date: 2/27/07.

Patent No.: 7183651, Power plane decoupling.Inventors: Buhler, Otto Richard, Boulder, Colo.;Horn, Kevin Michael, Brighton, Colo. Assignee-at-Issue: Storage Technology Corp., Louisville, Colo.Date: 2/27/07.

Patent No.: 7183693, Method and apparatusfor an ambient energy battery recharge system.Inventors: Brantner, Paul, Conifer, Colo.; Pearce,Michael Baker, Loveland, Colo.; Trujillo, Adolph,Arvada, Colo. Assignee-at-Issue: Infinite PowerSolutions Inc., Golden, Colo. Date: 2/27/07.

Patent No.: 7183791, Reliability circuit forapplying an AC stress signal or DC measurementto a transistor device. Inventors: Walker, John D.,Colorado Springs, Colo.; Park, SangJune, Col-orado Springs, Colo.; Schultz, Richard T., FortCollins, Colo. Assignee-at-Issue: LSI Logic Corp.,Milpitas, Calif. Date: 2/27/07.

Patent No.: 7184177, Method, apparatus andarticle of manufacture for modifying printingbased upon direct on-the-fly media characteris-tic parameters. Inventors: Trelewicz, JenniferQuirin, Superior, Colo.; Mitchell, Joan LaVerne,Longmont, Colo.; Rao, Ravishankar, Elmsford, N.Y.;Condon, John B., Berthoud, Colo.; Shields, DavidJoseph, Tucson, Ariz. Assignee-at-Issue: Interna-tional Business Machines Corp., Armonk, N.Y.Date: 2/27/07.

Patent No.: 7184411, Switch-managementagent trap scheme in an infiniband-architectureswitch. Inventors: Tucker, S. Paul, Fort Collins,Colo.; Manter, Venitha L, Fort Collins, Colo.Assignee-at-Issue: Palau Acquisition Corp.(Delaware), Santa Clara, Calif. Date: 2/27/07.

Patent No.: 7184521, Method and system foridentifying a party answering a telephone call

based on simultaneous activity. Inventors: Siko-ra, Scott Edward, Seattle, Wash.; Bishara, MichaelJason, Westminster, Colo.; Munguia, RudolfoXavier, Loveland, Colo.; Selig, William John, Den-ver, Colo. Assignee-at-Issue: Par3 Communica-tions Inc., Seattle, Wash. Date: 2/27/07.

Patent No.: 7184892, Method and system ofevaluating performance of a crop. Inventors:Dyer, James Scott, Fort Collins, Colo.; Halterman,Jerry Ray, Fort Collins, Colo.; Hunner, GerhardJosef, Fort Collins, Colo.; Muehlbach, George Bai-ley, Fort Collins, Colo. Assignee-at-Issue: Deere &Co., Moline, Ill. Date: 2/27/07.

Patent No.: 7184940, Collaboration sessionrecording model. Inventor: Matheson, Dan, FortCollins, Colo. Assignee-at-Issue: Hewlett-PackardDevelopment Co., L.P., Houston, Texas. Date:2/27/07.

Patent No.: 7184942, Verifying the configura-tion of a virtual network. Inventors: Graves,David Andrew, Monte Sereno, Calif.; O’Keefe,Brian John, Fort Collins, Colo. Assignee-at-Issue:Hewlett-Packard Development Co., L.P., Houston,Texas. Date: 2/27/07.

Patent No.: 7184966, Systems and methods forremote role-based collaborative work environ-ment. Inventors: Parsonnet, Brian, Fort Collins,Colo.; Desborough, Lane D., Thousand Oaks, Calif.;Samad, Tariq, Minneapolis, Minn. Assignee-at-Issue: Honeywell International Inc., Morristown,N.J. Date: 2/27/07.

Patent No.: 7185086, Method for electronictracking of an electronic device. Inventors:Bodapati, Ramesh, San Jose, Calif.; Circenis,Edgar, Loveland, Colo.; Uno, Carol, San Jose,Calif. Assignee-at-Issue: Hewlett-Packard Devel-opment Co., L.P., Houston, Texas. Date: 2/27/07.

Patent No.: 7185109, Recursive discovery ofCDP type of nodes in a network of various nodetypes. Inventors: Conrad, Jeffrey Richard, FortCollins, Colo.; Peterson, Tyler Grant, Fort Collins,Colo. Assignee-at-Issue: Hewlett-Packard Devel-opment Co., L.P., Houston, Texas. Date: 2/27/07.

Patent No.: 7185128, System and method formachine specific register addressing in externaldevices. Inventors: Kotlowski, Kenneth J.,Berthoud, Colo.; Tischler, Brett, Longmont, Colo.Assignee-at-Issue: Advanced Micro Devices Inc.,Sunnyvale, Calif. Date: 2/27/07.

Patent No.: 7185427, Method for making elec-trical connections to an element on printed cir-cuit board. Inventors: Willard, Stephen, FortCollins, Colo.; King, Philip N., Fort Collins, Colo.Assignee-at-Issue: Agilent Technologies Inc.,Santa Clara, Calif. Date: 3/6/07.

Patent No.: 7185581, Composite fluid actuatedcylinder. Inventor: Johnson, Samuel A., Loveland,Colo. Assignee-at-Issue: S.A. Robotics, Loveland,Colo. Date: 3/6/07.

Patent No.: 7186290, Filter system with auto-matic media refresh. Inventors: Sheehan, DarrenS., West Hartford, Conn.; Brandes, Susan D., SouthWindsor, Conn.; Chiang, Robert, Shanghai, China;Reisfeld, Brad, Fort Collins, Colo. Assignee-at-Issue: Carrier Corp., Syracuse, N.Y. Date: 3/6/07.

Patent No.: 7186482, Multilayer imageable ele-ments. Inventors: Kitson, Anthony P., Evans,Colo.; Ray, Kevin B., Fort Collins, Colo.; Pappas,

Socrates P., Midland, Texas; Savariar-Hauck,Celin, Badenhausen, Germany. Assignee-at-Issue:Eastman Kodak Co., Rochester, N.Y. Date: 3/6/07.

Patent No.: 7187165, Method and system forimplicitly encoding preferred probing locationsin a printed circuit board design for use in testerfixture build. Inventors: Jacobsen, Chris R., FortCollins, Colo.; Parker, Kenneth P., Fort Collins,Colo.; Herczeg, John E., Boulder, Colo. Assignee-at-Issue: Agilent Technologies Inc., Santa Clara,Calif. Date: 3/6/07.

Patent No.: 7187598, Device having an inter-face and method thereof. Inventors: Daugherty,Daniel E., Loveland, Colo.; Hathcock, RonaldScott, Longmont, Colo.; Kommrusch, Steven J.,Fort Collins, Colo. Assignee-at-Issue: AdvancedMicro Devices Inc., Sunnyvale, Calif. Date: 3/6/07.

Patent No.: 7187637, Opto-mechanical adjust-ment based on sensing label side of optical disc.Inventors: Pate, Michael A., Corvallis, Ore.;Weirauch, Charles R., Loveland, Colo.; Van Brock-lin, Andrew L., Corvallis, Ore. Assignee-at-Issue:Hewlett-Packard Development Co., L.P., Houston,Texas. Date: 3/6/07.

Patent No.: 7187835, Mechanisms and methodsfor selective wavelength filtering. Inventors:Tuma, Margaret, Strongsville, Ohio; Brown,Thomas G., Rochester, N.Y.; Gruhlke, Russell, FortCollins, Colo. Assignee-at-Issue: The UnitedStates of America as represented by the Admin-istrator of the National Aeronautics and Spa,Washington, D.C. Date: 3/6/07.

Patent No.: 7188087, Devices, systems andmethods for restricting use of digital content.Inventor: Goldstein, Tim, Loveland, Colo.Assignee-at-Issue: Hewlett-Packard DevelopmentCo., L.P., Houston, Texas. Date: 3/6/07.

Patent No.: 7188343, Distributable multi-dae-mon configuration for multi-system manage-ment. Inventors: Sanchez II, Humberto A, Fort.Collins, Colo.; Drees, Douglas P., Fort Collins,Colo.; Harrah, Richard Dale, Seattle, Wash.; Robb,Mary Thomas, Fort Collins, Colo.; Lister, TerenceE., Fort Collins, Colo.; Scheetz, Michael, FortCollins, Colo.; Wang, Miha, Cupertino, Calif.; Otsu-ka, Warren I., Campbell, Calif.; Kumpf, RogerWilliam, Cupertino, Calif.; Yu, Jenny, Saratoga,Calif.; Krug-Graves, Carol Ann, Monte Sereno,Calif. Assignee-at-Issue: Hewlett-Packard Devel-opment Co., L.P., Houston, Texas. Date: 3/6/07.


buying the 16-year-old company from itsfounder. Harding and Walker had barelymet before taking the plunge to purchasethe local franchise of the national Women’sNewspapers from owner Steve Fiske, basedin Chicago, a year and a half ago.

While DPS customers and vendorsinclude Fortune 100 companies, NorthernColorado Woman is aggressively local, dis-tributed for free through businesses such ascoffee shops, doctors’ offices and hair salonsthat form the paper’s advertising base.

Buy at the bottomIn 1988, Convey was the proud holder of

a newly minted film degree from NorthernIllinois University who came to Coloradofor a ski vacation and, like so many others,“never went home.” In part to support herski habit, she found a job with Data Prod-ucts in Loveland in 1991.

Kennedy came home to Colorado aftergraduating from Arizona State Universitywith a degree in sociology. She worked in ITsales in the Phoenix area for a company thatgot bought out, and joined DPS in 1994.

In 2004, Convey was the last employeeleft as Data Products cratered after the dot-com meltdown, and she had just beenoffered a job with a tech company in Denver.

“The guy who hired me asked, if theowner was closing Data Products, would hebe willing to sell it to him,” she recalled. “Heasked me to get him financials. I did, andwhen I looked at them, I said, ‘Hey, we cando this!’ So I called Mary Kay.”

The company sells all major brands ofcomputer hardware and software, networkand integration services, wireless service andsupport, and everyday items such as printercartridges. DPS is the exclusive regional dis-tributor for the Red Paw BackupBox system,

a Fort Collins-based company.Convey said they had no problem secur-

ing a small-business loan from the previousowners’ longtime bank, Wells Fargo,“because they could see the potential prof-itability of the company.” In 2006, DPSreported revenues of $467,300.

One way DPS keeps overhead low is byoutsourcing its tech-support services andusing a distributed sales model, contractingwith individual salespeople to manageaccounts in return for 40 percent of thegross profit from the account.

“It gives people the opportunity to makea lot of money, but the client has to staywith us for the long haul,” Kennedyexplained. “It works well for everyone.”

Unlikely partners Opposites not only attract but also work

well together, according to Walker andHarding. Harding, who “led a shelteredexistence” growing up in Cripple Creek,moved to Northern Colorado originally toattend the University of Northern Coloradoin Greeley, where she met her husband. Shewas a home-schooling mother of two boysliving in Johnstown when she met Walker atthe first Bixpo business exposition at TheRanch in Loveland in 2005.

Fort Collins native Walker, who at onepoint was working three jobs while support-ing her infant son but has since remarried,had just learned that the local franchise forWomen’s Newspapers was available.

“I had several different jobs in advertis-ing and media buying, but neither of us hadany background in publishing,” Walker said.

“If we knew what it was really going totake, we probably wouldn’t have done it,”Hardin admits now. “It’s a lot of work get-ting the paper out each month, but we real-ly have fun doing it.”

They keep overhead low by doing distri-bution of the 15,000 to 20,000 papers print-

ed each month themselves, as well as havingadvertisers generate informational, how-tocopy in addition to freelancers contributingfeature stories.

“It’s not advertorial,” Harding pointedout. “They can’t just write about how greatthey are. It has to be something educationalon a topic that our readers are interested in.”

The pair are now branching out intosponsoring events for their readers. Thefirst was their one-year anniversary partyon Nov. 4; the next, an all-day event called“A Woman’s Life,” is set for June 9 atHyundai of Greeley. A concert by singerRebecca Frederick starts at 5 p.m.

Networking keyWith age comes wisdom — and confi-

dence. Kennedy recalled that when shewas first starting out, “women in IT salesweren’t taken seriously. And as a 22-year-old, I didn’t have the confidence to speakup, even when I knew the client was goingto be unhappy with an order. Twentyyears later, that’s not a problem anymore.”

Something else that has changed is thatthe purchasing decision-makers are morelikely to be women.

“When we go to trade shows, womenwill stop by the booth, pick up a card, thencall us and give us their business,” Conveysaid. “Women in those positions are happyto give a 100 percent women-ownedbusiness a chance.”

The women-helping-women thing cango too far. Walker said when Northern Col-orado Woman featured a man heavilyinvolved in raising money for breast cancerresearch, she got some calls from angryreaders.

“They said, ‘This is a women’s newspa-per — what’s he doing on the cover?’” sherecalled. “But our paper is about informa-tion and education about issues importantto women, not one narrow viewpoint oranother.”

Harding agreed. “We’ve had to turndown some advertisers who wouldn’t havefit in our family-friendly format, which ispart of our license. We want to be the news-paper you can leave on the coffee table andthe kids can pick it up, too.”

And sometimes small firms can’t affordto go far enough.

“We work with some of the top techs inthe region,” Convey said, “but none of themare women. Female techs can make a lot ofmoney at big companies and zoom right tothe top.”

But are they having as much fun?

WOMEN, from 7A

Courtesy Northern Colorado Woman Newspaper

NORTHERN COLORADO WOMEN — Publishers Eliza-beth Walker, left, and Kristina Harding celebrated thefirst anniversary of their newspaper in November.

patterns will require the Tri Towns to bepart of the Denver-area planning.

“Census data indicates the southwestportion of the (transportation planningregion) in Weld County is experiencingincreases in population density that will rel-egate it to a different status in the arena oftransportation planning,” read the back-ground information. The memorandumoutlined DRCOG’s requirement to includesouthwest Weld in its 2035 transportationplans.

‘Urbanized cluster’According to Federal Transportation

Administration requirements for MPOplanning, an MPO must include any con-tiguous and urbanized area in its futureplanning. U.S. Census data from 2000pushed portions of southwest Weld into the“urbanized cluster” designation.

“The Denver metro area is starting tourbanize into southwest Weld County,” saidKarin McGowan, policy development andcommunications director for DRCOG.

McGowan explained that Frederick, Fire-stone and Dacono must be included in theMPO’s transportation plan, but the munici-palities do not have to be members of thecouncil. Beyond the MPO duty of trans-portation planning, the metro agency offerspaid members growth planning, dataresources, training and testing for public ser-vices, services for the aging population, etc.

“Almost all of our members are mem-bers of both (the MPO and council),”McGowen said, but it is not a requirement.“We’ve been in discussions with southwestWeld County for more than a year.”

The decisions to join DRCOG as a mem-

ber are still up in the air in Frederick, Fire-stone and Dacono.

“They’re getting to know us, and we’regetting to know them,” said Frederickmayor Eric Doering. “We’re in the courtingprocess.”

Council members will discuss joining at aMarch 15 town board meeting, whichoccurred after this story went to publication.DRCOG is expected to present at the meeting.

“We’ve been looking at a variety ofoptions,” Doering said. “It seems thatDRCOG is the logical place to look.”

Doering added that he hopes the councildecides to become a full member of DRCOG.

Common groundDacono town administrator Karen

Cumbo is prepared for the inevitable inclu-sion in the MPO and agrees with Doeringthat the area should be a part of regionaltransportation planning.

“We have more in common with theDenver metro area than we do with FortCollins, Loveland and Greeley,” she said.

Data from DRCOG shows that Frederick,Firestone and Dacono residents are com-muting more to DRCOG communities thanto any other area. Except for Lochbuie, thetowns had the highest percentage ofDRCOG commuters than any of the com-munities in the study. Just more than 82 per-cent of the towns’ populations were reportedto be commuting into the DRCOG area.

But Dacono doesn’t appear to be as like-ly to become a full member.

“What is still up in the air is actuallyjoining DRCOG,” she said. “It’s challengingfor us.”

Dacono is smaller than Firestone orFrederick. According to Census data,Dacono’s 2005 population was 3,529 – anincrease of about 18 percent. Compared

with Firestone’s 6,410 and Frederick’s 6,620– with more than 100 percent populationgrowth each – Dacono is still looking toaccelerate its growth.

“Our fundamental concerns deal withmaking our own decisions about growthand not be lost in part of a large group,”Cumbo said.

DRCOG’s growth plan, Metro Vision2030, stresses the need for collaborativegrowth planning because of the impactsthat extend to the region.

“DRCOG is a tremendous resource,”Cumbo said, referring to transportationplanning and federal funding for roadimprovement.“One of Dacono’s concerns isthat as a small player, we don’t stand achance.”

Safety in numbersCumbo said that the processes for apply-

ing for funding alone would be dauntingfor the town to take on. Dacono does nothave an in-house engineer, instead workingwith a planner on contract who is paid bythe hour.

Dacono, like Frederick, is also consider-ing joining RTD.

“Dacono is very interested in doingthat,” she said.

Cumbo said that a ballot measure sever-al years ago to approve joining the districtwas turned down. She feels that the interestis growing, but probably won’t be intro-duced to the voters this year.Doering said that it is likely that extendingRTD to southwest Weld County will likelyrequire all three towns to join.

Firestone mayor Mike Simone and TownAdministrator Cheri Andersen did notrespond for comment in time for publication.

In the past few years, there have beenseveral instances in which the Southwest-

ern Weld towns and the county haveclashed over growth planning. Just lastyear, consultants hired by Weld for the pur-pose of looking at the area’s growth sug-gested that officials from the towns and thecounty make use of a professional media-tor.

Doering said that a decision to joinDRCOG would not be reflective of any pre-vious conflicts between Frederick and thecounty. Weld County Commissioner DougRademacher said that the Tri Towns’ inclu-sion in DRCOG would not put a rift inWeld’s growth plans, but would requiresome dialogue.

“The county position has always beenthat it’s up to the municipalities,”Rademacher said.

Rademacher said he expects there to be awork session in the near future bringing thecounty, municipalities and DRCOG to thetable.

“The county and DRCOG will probablyhave some issues to iron out,” he said, citingplanning and growth issues.

Joining DRCOG would not affect WeldCounty’s plans, which are in the prelimi-nary stages, for a possible countywidetransportation tax. The proposed regionaltransportation authority tax is still beingchanged on an almost weekly basis,Rademacher explained.

The option proposes that the RTAinclude all of Weld County and be fundedby a half-cent or one-cent sales tax. Half ofthe sales-tax revenue would become part ofa capital fund for projects selected by a gov-erning board. The other half would go backto the jurisdiction of origination to be man-aged and accounted for.

If the southwestern Weld municipalitiesdecided to join RTD, they would likely haveto opt out of the tax.

DR. COG, from 1A


LAPORTE – An expected completionof a review of a draft EnvironmentalImpact Statement by the U.S. Corps ofEngineers on the proposed constructionof Glade Reservoir near Laporte likelywon’t be ready until late May or June.

The 2,500 surface-acre reservoir is partof the Northern Integrated Supply Projectproposed by the Northern ColoradoWater Conservancy District.

A final review and report from the

Corps’ Cheyenne office was originallyexpected in January but that date waspushed back to early March. Carl Brouw-er, NCWCD engineer and NISP projectmanager, said he’s reasonably confidentthe new date will be met.

“Sometimes I get a little too opti-mistic, but I think this June date is veryreal because I think there’s only onereport not complete,” he said. “The draftEIS should be complete by the end ofMarch, then under review by all of thecooperating agencies and us.”

Those cooperating agencies include

the U.S. Environmental ProtectionAgency, the U.S. Bureau of Reclamation,Colorado Department of Transportation,Larimer County and the Colorado Divi-sion of Wildlife.

“The end is in sight but getting every-thing done just right has gotten a littletortuous in these last few months of theproject,” Brouwer said.

The NISP aims to store water from thePoudre River in the proposed GladeReservoir, a 177,000-acre-foot storageand pumping facility near the mouth ofPoudre Canyon. A second phase of the

project calls for an additional 2,800 sur-face-acre storage reservoir near Galetonin Weld County where 40,000 acre-feet ofwater diverted from the South PlatteRiver would be stored.

The final result would be 40,000 acre-feet of new water annual yield from bothriver basins that would meet a portion ofthe needs of the project’s 13 signed-upparticipants over the next 30 to 50 years.

Brian Werner, NCWCD spokesman,said the delay in getting the draft EISreviewed and ready for public comment issomething the district has no controlover.

“We can control ourselves but notthese other agencies and it may notalways be their highest priority,” he said.

Brouwer said the district has no prob-lem with the Corps of Engineers taking itstime in completing the draft EIS review.“To the Corps’ credit, they want to makesure every ‘i’ is dotted and every ‘t’ iscrossed and not have it dismissed on atechnicality, so they’re being very thor-ough,” he said.

Brouwer said the Corps is also study-ing new information about other possiblewater projects that could have an impacton NISP, including a proposal by FortCollins resident Aaron Million to con-struct a pipeline from Flaming GorgeReservoir to the Front Range.

Also being studied in the review is theimpact of conservation and agriculturaldry-up, among other issues, Brouwersaid. “I think people will be amazed by theamount and depth of the informationcovered by the EIS.”

Brouwer said a six-month delay in get-ting the EIS review completed won’t haveany negative effect on the district’s time-line for constructing Glade. He said thedistrict decided in late 2006 to move theanticipated completion date of the reser-voir from 2013 to 2014 to cope with suchpossible delays.


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“They’re going to have a valuable asset,and they’ll be able to find people to buy it ifnecessary,” he said.

Behlen said Erie hasn’t yet beenapproached to see if the town would beinterested in less than its current allocation.“It wouldn’t surprise me (if that hap-pened),” he said. “We would be open to sit-ting down and talking with people to seewhat the options are.”

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orado, a reflection of their stake in broaden-ing their market.

They also found a minor measure ofcable-access success, signing a deal withJohnstown-based U.S. Cable’s regional ser-vice and gaining access to about 5,000households – “a toehold,” as Wall describedthe October 2005 deal.

The nut of KGWN’s current FCC case isthat the station is postured to serve a rapid-ly expanding Northern Colorado marketthat is underserved by other televisionbroadcasters, and that it has a long-standinghistoric presence in the region.

In fact, the station that was founded in1954 as Wyoming’s first television outletwas a Northern Colorado broadcast staple,with its over-the-air signal and cable listingsfor four decades, until the middle 1990s.That’s when cable television systems in theregion opted to drop KGWN, partly

because they said Denver’s KCNC, channel4, offered much of the same programming.

The new FCC filing asks that the com-missioners modify the market boundary forChannel 5 to include Larimer and Weldcounties. The station’s current DesignatedMarket Area, fixed by broadcast researchfirm Nielsen Media Research and acceptedby the FCC, consists of four lightly populat-ed counties along the Colorado-Wyomingborder and in western Nebraska. Of 210Nielsen markets, Cheyenne ranks No. 195.

Oddly, KGWN’s designated market is anisland within the one Nielsen assigns toDenver, a sprawling broadcast territory thatranks No. 18 nationally.

Since being ousted from most local cablelineups, Channel 5 has been trying to crackthe Comcast listings for Greeley, FortCollins, Loveland and Windsor, whereabout 80 percent of the region’s cable sub-scribers reside. The FCC filing notes thewall that Comcast has erected to keepChannel 5 out of their lineup.

‘Most relevant’“Despite the decades of service, local

presence and strategic investments,KGWN-TV is not distributed on certaincable systems that serve substantial num-bers of subscribers,” the document says.“This frustrates the ability of many localresidents to receive the news and informa-tion that is most relevant to their lives.”

Much of what the FCC commissionerswill read as they consider KGWN’s requestconsists of testimonials from local business,government and cultural leaders. The docu-ment also describes how Channel 5 hascommitted to covering news in FortCollins, Loveland, Greeley and other com-munities in the region.

“We see KGWN as a part of NorthernColorado and particularly Fort Collins,”Mayor Doug Hutchinson wrote in a lettersupporting the station’s FCC petition,adding that Channel 5’s Old Town bureaureflected their commitment.

“It signifies that yes, indeed, Fort Collins

is important to a television station and ourdesire for (our) own television station, adream we have had for many years, wouldbe much more of a reality if we could findKGWN on Comcast Cable.”

City and county officials from throughoutthe region presented similar endorsements.

Wall said a statutory clock starts with theFCC’s filing of a public notice of the KGWNpetition, expected within a week, andrequires the commissioners to issue a rulingwithin four months.

Cable operators, such as Comcast, willhave 20 days after the initial filing to submitrebuttals for the commissioners to consider,and have the right to appeal the FCC’s even-tual ruling.

“We are trying to do it right, and I knowTodd (Stansbury) feels very positively aboutour chances,” Wall said. “This could be amajor opportunity for Fort Collins, Gree-ley, Loveland and for the entire region.We’ve got this chance, now. Let’s not blowit.”

KGWN, from 3A

Greeley neighborhood where the formerColorado State College football stadiumsits.

“I like Jackson Field inparticular for the benefitsit will have for thatneighborhood,” UNCpresident Kay Nortonsaid. “One of the featuresthere is a communityroom that will allow forthe cooperative use by allmembers of the commu-nity. It’s a big step toward revitalizing thatneighborhood.”

Building venuesAs dramatic as the Jackson Field

makeover has been, projects on the maincampus are just as evident. Two sports fieldssouth of the Butler-Hancock athletic head-quarters, each costing $380,000 and featur-ing state-of-the-art artificial turf, haveboosted the university’s capacity to hostsports competition at all levels.

Nearby, adjacent to Butler-Hancock, anew $2 million indoor volleyball and bas-ketball practice center, unlike any other inthe region, makes two 96-foot floors avail-able for NCAA regulation basketball use.

Those showcase facilities form part ofthe reason UNC will play host to the Col-orado high school athletic association’s All-State Games in early June, an event that willdraw about 1,800 people to the campus,including boys and girls sports teams from

throughout the state,coaches, trainers and par-ents.

UNC became the cho-sen venue for the eventthanks to the NorthernColorado Sports Com-mission, a new FortCollins-based group thatpromotes athletics as aregionwide economic-development tool.

“They’ve got so many things in placethere now,” said Keith Lipps, executivedirector of the commission. “If I under-stand right, they’ll have the only field hock-ey venue in Northern Colorado.”

Lipps said facilities like those that havebeen built at UNC strengthen his pitch tonational college and university tournamentorganizers, such as the one he’ll make forthe National Intercollegiate LacrosseChampionships, an annual event thatdumps about $3 million into the local econ-omy surrounding the host venue.

“It’s a sport that has a real grassroots fol-lowing, and people come from everywherefor that,” Lipps said.

When UNC last year joined the Big SkyConference, one of the NCAA’s biggerleagues, it was one of the final steps towardcompeting at the Division 1 level for thefirst time in the university’s history. Hin-richs and other university administratorswere expecting a final decision on Division1 status from NCAA officials this month.

Hotel-restaurant boonThe change, and the rising level of sports

activity it brings, will send ripples through-

out the Greeley economy, and businessesthat could become direct beneficiaries arewell aware of the not-so-subtle differenceDivision 1 will make.

“That’s a really significant move forthem,” said Robert Julich, general managerof the Hampton Inn and Suites. “The levelof competition in all their sports programswill rise, and recruiting has to be intensi-fied. We’re hoping we can help out withthat.”

Julich and UNC two months ago inked adeal that makes the hotel an official host forUNC and the Big Sky Conference. The uni-versity gets complimentary and reduced-rate rooms, while the hotel gets sponsorshippromotion for events and a few compli-mentary tickets for games.

The money that the Division 1 move willgenerate with increased sports traffic to theuniversity will spread up and down Gree-ley’s hotel row, flanking the south side ofthe U.S. 34 Bypass, with the Holiday InnExpress and Fairfield Inn getting their shareof UNC and Big Sky business, Hinrichssaid.

“We bring a lot of people in here, andwe’ll be bringing a lot more,” he said. “Wehad Creighton Univeristy’s softball team infor the weekend, and all 30 athletes andtrainers were at the Texas Roadhouse fordinner. You think they weren’t happy aboutthat?”

On the mapSince landing at UNC two years ago,

Hinrichs has been almost as active in theGreeley business community as in his ADrole, attending Greeley Chamber of Com-

merce meetings to keep members abreast ofthe work being done to raise the university’sstake in intercollegiate sports.

“I think that because of what they’redoing, Greeley’s going to be on the map forgreater exposure,” Greeley Chamber ofCommerce president Sarah MacQuiddysaid. “We have the opportunity to be seenby so many others with the jump to Divi-sion 1. We’re really expanding our hori-zons.”

Norton said the action that studentstook at the ballot box two years ago, and thesports facility upgrades that followed,would drive the university to a higher leveland connect UNC with its surroundingcommunity in ways the students nevercould have imagined.

“It was time for the quality of our athlet-ic programs to match the quality of our aca-demic programs,” Norton said. “We’re nottrying to be one of the big dogs. We’re nottrying to be Ohio State. But it was time tomove up.”

UNC, from 1A

MACQUIDDY

NORTON

“There is an economicengine that sits withinthese facilities.”Jay Hinrichs, UNC athletic director


The private-sector work force in North-ern Colorado is on the move, creating aninteresting dynamic between employeeturnover and average wages.

While the local economy has been con-sistently creating newjobs since 1994, theirproportion of thetotal work force hasdropped one-half apercentage point. Atthe same time, thegap between averagewages of the workforce and new hiresbegan widening in2000 and has contin-ued to the pointwhere new hires weremaking $1,200 permonth less thanestablished workers, according to figurescovering through the end of 2005 andrecently released by the U.S. CensusBureau.

We can see what this means to theregion through analysis of the three graphsaccompanying this column. The underly-ing data infrastructure is a longitudinal(over time) employer-employee history,administered through a cooperative feder-

al-state Local Employment Dynamics pro-gram.

Colorado is one of the 40 states thatprovide information to the Census Bureaufor its Quarterly Workforce Indicatorsreport, which has been published the since2003, and local data is available from 1993.The data is compiled for both employeesand firms, and the privacy of both is strict-ly protected.

The Census Bureau receives Unemploy-ment Insurance wage records and ES-202establishment records from each partici-pating state, then combines information

about an individual’s employment withemployer data to create a work history foreach employee and employer.

An individual’s job must be covered bythe reporting requirements of each state’sunemployment insurance program. Theprime exclusions to this program are agri-culture and most public employment, par-ticularly federal, military and postalemployment. Coverage varies across statesand time, although approximately 96 per-cent of all private-sector jobs are coveredby the work-force indicators program.About 75 percent of total jobs in Northern

Colorado are covered.The employer data is by establishment

(place-of-work), so that if an employeechanges establishments for the sameemployer, that shows up as employmentturnover, thus exaggerating labor move-ment statistics.

Cyclical hiringThe first graph presents the quarterly

number of new hires, separations, jobscreated and net job flows in NorthernColorado. New hires and jobs created areoffset by separations to create net jobflows.

New hires and separations are annuallycyclical, usually peaking in the second andthird quarters and reaching their lowestannual point in the fourth or first quarters.New hires and separations are parallelseries, suggesting that these series are cre-ated by the same employees through jobchanges.

Job creations are greatest in the firstand second quarters, decreasing as the yearprogresses. Thus, net job flows are mostpositive in the first and second quarters.

New hires averaged about 38,000employees per quarter in 1994, increasingto 47,000 quarterly in 1999 and decreasingback to about 38,000 in 2005. Separationsare consistently higher than new hires,increasing from about 38,000 in 1994 to57,000 in 1999 and then decreasing to54,000 in 2005.

Job creations were about 10,000 perquarter in 1994, increasing to 18,000 in2000 and then decreasing slightly to about16,000 per quarter in 2005. Net job flowshave remained constant in the 2,000 to2,400 range, which indicates the NorthernColorado economy has been consistentlycreating this many new jobs each quartersince 1994.

Regional work force seems highly mobileCensus figures trackemployee turnover,job creation, net flow

ECONOMIC INDICATORSJohn W. Green, Ph.D.Regional Economist

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The quarterly number of new hires, separations, jobs created and net job flows in Northern Colorado. The yellow trend line illustrates the cyclical nature of new hires and separations.


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Wage gap widensThe second graph presents average

monthly earnings for both the employedand new hires covered by unemploymentinsurance. Average monthly earnings forthe covered work force were about $2,000per month in 1994 versus about $1,200 permonth for new hires, an $800 per monthdifference.

Average monthly wages have increasedsteadily for both the total covered workforce and new hires (nominal, not realwages). Average monthly work force wageswere about $3,250 at the end of 2005 whilenew hire monthly earnings averaged about$2,050. The gap between average workforce earnings and new hire earningsbegan widening in 2000 and has continuedto widen through the end of 2005. The gapat the end of 2005 was about $1,200 permonth.

The third and final graph shows thatnew hire earnings as a percent of workforce earnings were about 54 percent in1994, increasing to 64 percent in 2000 andthen remaining constant at 64 percentthrough 2005.

The quarterly job turnover rate wasabout 29 percent of the covered work forcein 1994, increased to just over 30 percentby 1997 and decreasing to about 21 per-cent in 2005.

I was surprised that the turnover ratewas so high. When I mentioned this fact toa friend who works at a Wild Oats store inDenver, he said that 40 percent of the per-sonnel who were in the annual store pic-ture two years ago are no longer there.Turnover in this database is also increased

when employees move from one businesslocation to another within the same com-pany.

Self-employed not in the mixIn the first quarter of 1994, average net

job flows were 1.57 percent of the totalcovered work force; in the fourth quarterof 2005 that percentage had dropped to1.07 percent. It would appear that,although the Northern Colorado economyis creating 2,000 to 2,400 jobs per quarter,the number as a proportion of the totalwork force has dropped one-half a per-centage point since 1994.

While this analysis is informative, itexamines only the privately hired workforce. It does not include most governmentemployees, cash-paid employees or mostself-employed individuals.

At the end of 2005, the covered totalemployment in this analysis was 196,252;employment in Northern Colorado report-ed by the state was 263,853. Therefore, cov-ered employment was 74.4 percent of thestate’s estimate of total employment.

It would appear that there is substantialmobility in the private-sector work forcein Northern Colorado; both employersand employees are constantly seeking toimprove their economic situation.

John W. Green is a regional economistwho compiles the Northern ColoradoBusiness Report’s Index of Leading Eco-nomic Indicators. Green, a Fort Collins resi-dent, was previously chairman of the Uni-versity of Northern Colorado economicsdepartment.

ECONOMIC INDICATORS

This graph shows the average monthly earnings for both the employed and new hires covered by unemployment insurance. The trend line in yellow indicates the widening gap between earnings after 2000.

This graph shows new hire earnings as a percent of work force earnings were about 54 percent in 1994, increasing to 64 percent in 2000 and then remaining constant at 64 percent through 2005.

Special Section BMarch 16-29, 2007www.ncbr.com

2B The Northern Colorado Business Report March 16-29, 2007

Bank Locations

Adams Bank & Trust1201 Lake Ave.Berthoud, CO 80513Phone: (970) 532-1800Fax: (970) 532-1802E-mail: [email protected]/Services: Commercialbank.Person In Charge: Jim Strovas,Regional presidentWeb site: www.abtbank.com

Adams Bank & Trust8303 Colorado Blvd.Firestone, CO 80520Phone: (303) 833-2796Fax: (303) 833-2796Products/Services: Agricultural,commercial, consumer and realestate loans.Person In Charge: Jim Strovas,Regional presidentWeb site: www.abtbank.com

Adams Bank & Trust7800 S. Highway 287Fort Collins, CO 80525Phone: (970) 667-4308Fax: (970) 667-4398E-mail: [email protected]/Services: Depositaccounts, CODs, loans, Telebanc,online banking, Visa check cards,insurance, trust services andinvestments/securities.Web site: www.abtbank.com

Advantage Bank4532 McMurry Ave., Suite 100Fort Collins, CO 80525Phone: (970) 204-0450Fax: (970) 204-1535Products/Services: Banking andfinancial services.Person In Charge: John Meyer,Branch presidentWeb site: www.advantagebanks.com

Advantage Bank1801 59th Ave.Greeley, CO 80634Phone: (970) 353-0047Fax: (970) 353-0433E-mail: [email protected]/Services: Banking andfinancial services.Person In Charge: Mike Bond,Branch presidentWeb site: www.advantagebanks.com

Advantage Bank1475 N. Denver Ave.Loveland, CO 80538Phone: (970) 613-1982Fax: (970) 613-1328Products/Services: Banking andfinancial services.Person In Charge: Thomas Chinnock,CEOWeb site: www.advantagebanks.com

Bank of Choice1044 W. DrakeFort Collins, CO 80526Phone: (970) 224-1500E-mail: [email protected]/Services: Loans andbanking services.Person In Charge: Darrell D.McAllister, CEOWeb site:www.BankofChoiceOnline.com

Bank of Choice1270 Automation DriveFort Collins, CO 80634Phone: (970) 674-3434Fax: (970) 674-3737Products/Services: Loans andbanking services for the community.Person In Charge: Darrell D.McAllister, PresidentWeb site: www.bankofchoice.net

Bank of Choice3780 W. 10th St.Greeley, CO 80634Phone: (970) 352-6400Fax: (970) 352-5282Products/Services: Loans andbanking services for the community.Person In Charge: Darrell D.McAllister, CEOWeb site:www.BankofChoiceOnline.com

Bank of Choice7251 W. 20th St., Bldg. AGreeley, CO 80634Phone: (970) 339-5600Fax: (970) 339-5848Products/Services: Loans andbanking services for the community.Person In Charge: Darrell D.McAllister, PresidentWeb site:www.BankofChoiceOnline.com

Bank of Choice370 Justin Ave.Platteville, CO 80651Phone: (970) 785-2000Fax: (970) 785-2590Person In Charge: Darrell D.McAllister, CEOWeb site: www.bankofchoice.net

Bank of Choice1270 Automation DriveWindsor, CO 80550Phone: (970) 674-3434E-mail: [email protected]/Services: Loans andbanking services for the agriculturecommunity.Person In Charge: Darrell D.McAllister, CEOWeb site:www.BankofChoiceOnline.com

Bank of Choice3635 23rd Ave.Evans, CO 80620Phone: (970) 506-1000Fax: (970) 506-1937Products/Services: Loans andbanking services for the community.Person In Charge: Darrell D.McAllister, CEOWeb site: www.bankofchoice.net

Bank of Colorado312 Collins St.Eaton, CO 80615Phone: (970) 454-1414Fax: (970) 454-1420E-mail:[email protected]/Services: Agricultural,commercial and personal banking.Person In Charge: Matthew S.Pletcher, Branch managerWeb site: www.bankofcolorado.com

Bank of Colorado533 Big Thompson Ave.Estes Park, CO 80517Phone: (970) 586-8185Fax: (970) 586-8006Products/Services: Agricultural,commercial and personal banking.Person In Charge: Brad Sishc,PresidentWeb site: www.bankofcolorado.com

Bank of Colorado1609 E. Harmony RoadFort Collins, CO 80525Phone: (970) 206-1160Fax: (970) 206-1156Products/Services: Agricultural,commercial and personal banking.Person In Charge: Cody FullmerWeb site: www.bankofcolorado.com

Bank of Colorado1102 Lincoln Ave.Fort Collins, CO 80524Phone: (970) 223-8200Fax: (970) 223-8201Products/Services: Banking andinvestments.Person In Charge: Cody Fullmer,PresidentWeb site: www.bankofcolorado.com

Bank of Colorado111 S. Rollie Ave.Fort Lupton, CO 80621Phone: (303) 857-6651Fax: (303) 857-1640Products/Services: Agricultural,commercial and personal banking.Person In Charge: Tom Goding,PresidentWeb site: www.bankofcolorado.com

Bank of Colorado605 Fourth St.Fort Lupton, CO 80621Phone: (303) 857-3400Fax: (303) 857-3401Products/Services: Agricultural,commercial and personal banking.Person In Charge: Tom Goding,PresidentWeb site: www.bankofcolorado.com

Bank of Colorado3640 W. 10th St.Greeley, CO 80634Phone: (970) 506-0100Fax: (970) 506-0093E-mail: [email protected]/Services: Agricultural,commercial and personal banking.Person In Charge: Greg Ludlow,Branch presidentWeb site: www.bankofcolorado.com

Bank of Colorado1041 Main St.Windsor, CO 80550Phone: (970) 686-7631Fax: (970) 686-9246E-mail: [email protected]/Services: Agricultural,commercial and personal banking.Person In Charge: Tom Prenger,Branch presidentWeb site: www.bankofcolorado.com

Bank of Colorado1609 E. Harmony RoadFort Collins, CO 80525Phone: (970) 206-1160Fax: (970) 206-1156Products/Services: Banking &investments.Person In Charge: Cody Fullmer andMatthew S. Pletcher, Branch managerWeb site: www.bankofcolorado.com

Bank of the West415 Mountain Ave.Berthoud, CO 80513Phone: (970) 532-1000Fax: (970) 493-2857Products/Services: Bankingservices, including loans and bankingservices for the agriculturecommunity.Person In Charge: Kim Buxbaum,Branch managerWeb site: www.bankofthewest.com

Bank of the West1795 E. Bridge St.Brighton, CO 80601Phone: (303) 202-5330Fax: (303) 659-7639Products/Services: Bankingservices, including loans and bankingservices for the agriculturecommunity.Person In Charge: David Benevides,Branch managerWeb site: www.bankofthewest.com

Bank of the West181 W. Boardwalk DriveFort Collins, CO 80525Phone: (970) 225-2982Fax: (970) 225-3916E-mail:[email protected]/Services: Bankingservices, including loans and bankingservices for the agriculturecommunity.Person In Charge: WandaZimmerman, Branch managerWeb site: www.BankoftheWest.com

Bank of the West1075 W. Horsetooth RoadFort Collins, CO 80526Phone: (970) 267-2200Fax: (970) 223-7438Products/Services: Bankingservices, including loans and bankingservices for the agriculturecommunity.Person In Charge: WandaZimmerman, Branch managerWeb site: www.bankofthewest.com

Bank of the West426 S. Link LaneFort Collins, CO 80524Phone: (970) 267-3700Fax: (970) 493-2857E-mail:[email protected]/Services: Bankingservices, including loans and bankingservices for the agriculturecommunity.Person In Charge: Debbie Delaney,Branch manager/Vice presidentWeb site: www.bankofthewest.com

Bank of the West1111 11th St.Greeley, CO 80631Phone: (970) 353-2640Fax: (970) 352-2773Products/Services: Bankingservices, including loans and bankingservices for the agriculturecommunity.Person In Charge: Nadine Trujillo-Rogers, Branch managerWeb site: www.bankofthewest.com

Bank of the West4290 W. 10th St.Greeley, CO 80634Phone: (970) 352-0077Fax: (970) 353-1495Products/Services: Banking services,including loans and banking servicesfor the agriculture community.Person In Charge: Jeri Custer,Branch managerWeb site: www.bankofthewest.com

Bank of the West1800 Greeley MallGreeley, CO 80631Phone: (970) 356-2700Products/Services: Banking services,including loans and banking servicesfor the agriculture community.Person In Charge: Jeri Custer,Branch managerWeb site: www.bankofthewest.com

INDEXBANK LOCATIONS ................................2B

CPA ......................................................5B

CREDIT UNIONS ....................................7B

INSURANCE ..........................................7B

INVESTMENT ADVISERS........................10B

MORTGAGE LENDERS ..........................13B

SBA LENDERS ....................................14B

VENTURE CAPITAL FIRMS ....................15B

Welcome to the 2007 edition of Portfolio, Northern Colorado's resource for the finance and insurance industries. This special section of the Northern Colorado BusinessReport includes listings of approximately 600 companies. We recommend you save this section, and look to this valuable directory when you're seeking financialservices. To be considered for the next edition of Portfolio, e-mail [email protected] or call 221-5400 x227. To submit your company data online, visit www.ncbr.com.Thanks for your interest in Portfolio and the Business Report.

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Bank of the West303 E. Sixth St.Loveland, CO 80537Phone: (970) 667-5150Fax: (970) 669-7164Products/Services: Bankingservices, including loans and bankingservices for the agriculturecommunity.Person In Charge: Rhonda Westover,Branch managerWeb site: www.bankofthewest.com

Cache Bank and Trust100 S. College Ave.Fort Collins, CO 80624Phone: (970) 493-4111Fax: (970) 493-1324Products/Services: Loans andbanking services for commercial andpersonal entities.Person In Charge: Byron W.Bateman, CEO, COO and ChairmanWeb site:www.cachebankandtrust.com

Cache Bank and Trust4601 W. 20th St.Greeley, CO 80634Phone: (970) 351-8600Fax: (970) 351-7878Products/Services: Loans andbanking services for commercial andpersonal entities.Person In Charge: Byron W. BatemanWeb site:www.cachebankandtrust.com

Cache Bank and Trust924 11th St.Greeley, CO 80631Phone: (970) 506-7183Fax: (970) 351-6272Products/Services: Loans andbanking services for commercial andpersonal entities.Person In Charge: Byron W.Bateman, CEO, COO and ChairmanWeb site:www.cachebankandtrust.com

Capital West National Bank2108 Milestone DriveFort Collins, CO 80525Phone: (970) 282-2400Fax: (970) 282-8945E-mail: [email protected]/Services: Full-servicebanking. Construction lending.Person In Charge: Dianna Vasa, BankpresidentWeb site: www.cwnbank.com

Centennial Bank of the West807 Mountain Ave.Berthoud, CO 80513Phone: (970) 532-2676Fax: (970) 532-8131E-mail: [email protected]/Services: Full-servicebanking and loans.Person In Charge: David Besch, BankpresidentWeb site: www.centennialbanks.com

Centennial Bank of the West100 Oak Ave.Eaton, CO 80615Phone: (970) 454-3456Fax: (970) 454-2457E-mail:[email protected]/Services: Full-servicebanking and loans.Person In Charge: Russ Groshans,Branch presidentWeb site: www.centennialbanks.com

Centennial Bank of the West1550 E. Harmony RoadFort Collins, CO 80525Phone: (970) 204-0505Fax: (970) 204-6857Products/Services: Full-servicebanking and loans.Person In Charge: Daniel M. Quinn,CEOWeb site: www.centennialbanks.com

Centennial Bank of the West1263 E. Magnolia St.Fort Collins, CO 80524Phone: (970) 490-2121Fax: (970) 224-3889Products/Services: Full-servicebanking and loans.Person In Charge: Daniel M. Quinn,CEOWeb site: www.centennialbanks.com

Centennial Bank of the West2900 S. College Ave.Fort Collins, CO 80525Phone: (970) 223-3535Fax: (970) 223-1557Products/Services: Full-servicebanking and loans.Person In Charge: Daniel M. Quinn,CEOWeb site: www.centennialbanks.com

Centennial Bank of the West2700 47th Ave.Greeley, CO 80634Phone: (970) 339-3456Fax: (970) 454-4166Products/Services: Full-servicebanking and loans.Person In Charge: Daniel M. Quinn,CEOWeb site: www.centennialbanks.com


Centennial Bank of the West3151 N. Garfield Ave.Loveland, CO 80538Phone: (970) 267-6906Fax: (970) 267-6908E-mail: [email protected]/Services: Financialservices, commercial loans, cashmanagement, agricultural loans,construction loans.Person In Charge: Daniel M. Quinn,CEOWeb site: www.centennialbanks.com

Centennial Bank of the West1401 S. Taft Ave.Loveland, CO 80537Phone: (970) 278-1547Fax: (970) 267-6925Products/Services: Full-servicebanking and loans.Person In Charge: Daniel M. Quinn,CEOWeb site: www.centennialbanks.com

Centennial Bank of the West221 29th St., Suite 106Loveland, CO 80538Phone: (970) 266-0505Products/Services: Full-servicebanking.Person In Charge: Daniel M. Quinn,CEOWeb site: www.centennialbanks.com

Centennial Bank of the West4650 Royal Vista CircleFort Collins, CO 80528Phone: (970) 266-0505Fax: (970) 225-9045Products/Services: Full-servicebanking and loans.Person In Charge: Daniel M. Quinn,CEOWeb site: www.centennialbanks.com

Chase Bank2000 S. College Ave.Fort Collins, CO 80525Phone: (970) 622-7644Fax: (970) 484-7063Products/Services: Consumer andbusiness checking and savings,investments, mortgages, SBA loans.Person In Charge: Sheida Azimi,Branch managerWeb site: www.chase.com

Chase Bank731 S. Lemay Ave.Fort Collins, CO 80524Phone: (970) 622-7702Fax: (970) 224-9601Person In Charge: Justin Simpson,Branch managerWeb site: www.chase.com

Chase Bank4603 Boardwalk DriveFort Collins, CO 80528Phone: (970) 282-8626Person In Charge: Laura Brigham,Branch managerWeb site: www.chase.com

Chase Bank822 Seventh St.Greeley, CO 80631Phone: (970) 392-3203Fax: (970) 395-7359Products/Services: Full-servicebanking.Person In Charge: Eric Biberstine,Branch managerWeb site: www.chase.com

Chase Bank2600 W. 10th St.Greeley, CO 80631Phone: (970) 392-3330Fax: (970) 353-0109Products/Services: Full-servicebanking.Person In Charge: Cyndi Ingram,Branch managerWeb site: www.chase.com

Chase Bank1212 Ninth St.Greeley, CO 80631Phone: (970) 392-3218Web site: www.chase.com

Chase Bank4719 W. 29thGreeley, CO 80631Phone: (970) 392-3238Web site: www.chase.com

Chase Bank200 E. Seventh St.Loveland, CO 80537Phone: (970) 622-7532Fax: (970) 622-7466Products/Services: Full-servicebanking.Person In Charge: Shirley Choury,Branch managerWeb site: www.chase.com

Chase Bank1905 W. Eisenhower Blvd.Loveland, CO 80537Phone: (970) 622-7679Person In Charge: Suzie Allen,Branch managerWeb site: www.chase.com

Chase Bank975 N. Lincoln Ave.Loveland, CO 80537Phone: (970) 622-7444Fax: (970) 635-5700Products/Services: Full-servicebanking.Web site: www.chase.com

Colorado Community Bank3650 35th Ave.Evans, CO 80620Phone: (970) 339-8430Fax: (970) 339-8431E-mail:[email protected]/Services: Personal andcommercial banking, commercial andconsumer loans.Person In Charge: Dennis Dougherty,Branch presidentWeb site:www.coloradocommunitybank.com

Colorado Community Bank5855 Firestone Blvd.Firestone, CO 80504Phone: (720) 652-7255Fax: (720) 652-7265Products/Services: Personal andcommercial banking, commercial andconsumer loans.Web site:www.coloradocommunitybank.com

Colorado Community Bank6222 W. Ninth St.Greeley, CO 80631Phone: (970) 330-6090Fax: (970) 330-7819Products/Services: Personal andcommercial banking, commercial andconsumer loans.Person In Charge: Max Ellis,PresidentWeb site:www.coloradocommunitybank.com

Colorado Community Bank10 Angove Ave.Johnstown, CO 80534Phone: (970) 587-2160Fax: (970) 587-5186Products/Services: Personal andcommercial banking. Commercial,residential and consumer loans.Person In Charge: Bill Bowlds,Branch presidentWeb site:www.coloradocommunitybank.com

Colorado Community Bank1050 Eagle DriveLoveland, CO 80537Phone: (970) 278-0040Fax: (970) 278-0038Products/Services: Personal andcommercial banking, commercial andconsumer loans.Person In Charge: Harry MorganWeb site: www.coloradocommunitybank.com

Colorado Community Bank1300 Broad St.Milliken, CO 80543Phone: (970) 587-2880Fax: (970) 587-2789E-mail: [email protected]/Services: Personal andcommercial banking, commercial andconsumer loans.Person In Charge: Michele KellerWeb site: www.coloradocommunitybank.com

Colorado Community Bank3 S. Timber Ridge ParkwaySeverance, CO 80546Phone: (970) 686-9090Fax: (970) 686-9197Products/Services: Personal andcommercial banking, commercial andconsumer loans.Web site: www.coloradocommunitybank.com

Colorado Community Bank122 W. Main St.Sterling, CO 80751Phone: (970) 522-5151Fax: (970) 522-5450Products/Services: Personal andcommercial banking, commercial andconsumer loans.Web site: www.coloradocommunitybank.com

Colorado Community Bank317 S. Main St.Yuma, CO 80759Phone: (970) 848-3500Fax: (970) 848-0909Products/Services: Loans andbanking services for the agriculturecommunity.Web site: www.coloradocommunitybank.com

Colorado East Bank & Trust550 E. Woodward Ave.Keenesburg, CO 80643Phone: (303) 723-0100Fax: (303) 732-9284E-mail: [email protected]/Services: Loans andbanking services, including servicesfor the agricultural community.Person In Charge: Rob A. PippinWeb site: www.coloeast.com

Colorado East Bank & Trust520 S. Main St.Lamar, CO 81052Phone: (719) 336-5200Person In Charge: Steve SherlockWeb site: www.coloeast.com

Compass Bank3131 S. College Ave.Fort Collins, CO 80525Phone: (970) 266-9090Web site: www.compassweb.com

Compass Bank3501 W. 12th St.Greeley, CO 80634Phone: (970) 356-3760Person In Charge: Michael McClure,PresidentWeb site: www.compassweb.com

Compass Bank5275 McWhinney Blvd.Loveland, CO 80538Phone: (970) 622-8080Fax: (970) 663-4384E-mail: [email protected] In Charge: Todd Kooi,PresidentWeb site: www.compassweb.com

Farmers Bank119 First St.Ault, CO 80610Phone: (970) 834-2121Fax: (970) 834-1351E-mail: [email protected]/Services: Full-servicebank.Person In Charge: Fred J. Bauer,PresidentWeb site: www.farmersbank-weld.com

First Community Bank151 S. College Ave., Suite 5Fort Collins, CO 80524Phone: (970) 226-1080Fax: (970) 225-4905Person In Charge: Ron Pino, BranchmanagerWeb site: www.fcbcolo.com

First National Bank205 W. Oak St.Fort Collins, CO 80521Phone: (970) 282-9680Fax: (970) 229-9104Products/Services: Full-servicebank, including checking, savings,loans, commercial, mortgage,investments, trust, etc.Person In Charge: Mark Driscoll,President and Chris Osborn, CEOColorado Holding Co.Web site: www.1stnationalbank.com

First National Bank155 E. Boardwalk DriveFort Collins, CO 80525Phone: (970) 282-9600Fax: (970) 282-9648Products/Services: Full-service bank.Person In Charge: Chris Osborn,PresidentWeb site: www.1stnationalbank.com

First National Bank1600 N. College Ave.Fort Collins, CO 80521Phone: (970) 495-9390Products/Services: Full-service bank.Person In Charge: Chris Osborn,PresidentWeb site: www.1stnationalbank.com

First National Bank2100 W. Drake RoadFort Collins, CO 80526Phone: (970) 495-9541Person In Charge: Chris Osborn,PresidentWeb site: www.1stnationalbank.com

First National Bank205 W. Oak St.Fort Collins, CO 80521Phone: (970) 495-1267Fax: (970) 482-4738E-mail: [email protected] In Charge: Mark Driscoll andChris OsbornWeb site: www.1stnationalbank.com

First National Bank4603 Timberline RoadFort Collins, CO 80525Phone: (970) 267-2789Products/Services: Full-service bank.Person In Charge: Chris Osborn,PresidentWeb site: www.1stnationalbank.com

First National BankLory Student Center - CSUFort Collins, CO 80523Phone: (970) 495-9555Products/Services: Bank branch.Person In Charge: Chris Osborn,PresidentWeb site: www.1stnationalbank.com

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First National Bank201 W. Olive St.Fort Collins, CO 80521Products/Services: Drive-thrubanking services.Person In Charge: Chris Osborn,PresidentWeb site: www.1stnationalbank.com

First National Bank750 N. Lincoln Ave.Loveland, CO 80537Phone: (970) 203-2601Fax: (970) 203-2669E-mail: [email protected]/Services: Full-service bank.Person In Charge: Chris Osborn,PresidentWeb site: www.1stnationalbank.com

First National Bank1450 N. Boyd Lake RoadLoveland, CO 80538Phone: (970) 619-3333Products/Services: Full-service bank.Person In Charge: Chris Osborn,PresidentWeb site: www.1stnationalbank.com

First National Bank4100 Harrison Ave.Wellington, CO 80549Phone: (970) 568-9355Fax: (970) 568-7263Products/Services: Bank.Web site: www.1stnationalbank.com

First National Bank of Estes Park241 Park LaneEstes Park, CO 80517Phone: (970) 586-4485Fax: (970) 586-0517E-mail: [email protected] In Charge: David Taylor,President/CEOWeb site: www.fnbestes.com

First National Bank of Estes Park501 St. Vrain Lane, Suite 100Estes Park, CO 80517Phone: (970) 577-1234Fax: (970) 577-9175E-mail: [email protected] In Charge: David Taylor,President/CEOWeb site: www.fnbestes.com

First National Bank8100 Sixth St.Wellington, CO 80549Phone: (970) 568-3250Fax: (970) 568-7131Products/Services: Bank.Person In Charge: Mark Brase, FrontRange managerWeb site: www.fnbco.com

First National Bank1291 Main St.Windsor, CO 80550Phone: (970) 686-0878Person In Charge: Mark Brase, FrontRange managerWeb site: www.fnbco.com

First Western Trust Bank -Northern Colorado318 Canyon Ave., Suite 100Fort Collins, CO 80521Phone: (970) 484-9222Fax: (970) 416-9321E-mail: [email protected]/Services: Investmentmanagement, deposits and lending,personal trust, family office services.Person In Charge: R.W. (Bud)Noffsinger IIIWeb site: www.fwtb.com

FirstBank of Adams County410 E. Bromley LaneBrighton, CO 80601Phone: 720-685-3300Products/Services: Banking.Person In Charge: Bob BeuschleWeb site: www.1stbank.com

FirstBank of Greeley2901 23rd Ave.Greeley, CO 80631Phone: (970) 339-9000Fax: (970) 339-2795Person In Charge: Patrick M. BradyWeb site: www.efirstbank.com

FirstBank of Greeley4322 W. Ninth St.Greeley, CO 80634Phone: (970) 352-3600Person In Charge: Patrick M. Brady,PresidentWeb site: www.efirstbank.com

Firstbank of Longmont512 BriggsErie, CO 80516Phone: (303) 828-3393Fax: (303) 828-4101Products/Services: Full-serviceconsumer and commercial banking.Person In Charge: Patrick M. Brady,PresidentWeb site: www.efirstbank.com

FirstBank of Longmont6080 Firestone Blvd.Firestone, CO 80504Phone: (303) 682-1800Products/Services: Full-serviceconsumer and commercial banking.Person In Charge: Patrick M. Brady,PresidentWeb site: www.efirstbank.com

FirstBank of Northern Colorado1013 E. Harmony RoadFort Collins, CO 80525Phone: (970) 223-4000Fax: (970) 282-3925E-mail: [email protected] In Charge: Patrick M. Brady,PresidentWeb site: www.efirstbank.com

FirstBank of Northern Colorado2315 S. College Ave.Fort Collins, CO 80525Phone: (970) 493-1700Fax: (970) 282-3925Products/Services: Full-serviceconsumer and commercial banking.Person In Charge: Patrick M. Brady,PresidentWeb site: www.efirstbank.com

FirstBank of Northern Colorado1015 S. Taft Hill RoadFort Collins, CO 80521Phone: (970) 493-0200Products/Services: Full-serviceconsumer and commercial banking.Person In Charge: Patrick M. Brady,PresidentWeb site: www.efirstbank.com

FirstBank of Northern Colorado2644 S. Timberline RoadFort Collins, CO 80527Phone: (970) 267-9500Products/Services: Full-serviceconsumer and commercial banking.Person In Charge: Patrick M. Brady,PresidentWeb site: www.efirstbank.com

FirstBank of Northern Colorado225 E. 29th St.Loveland, CO 80538Phone: (970) 669-4000Person In Charge: Patrick M. Brady,PresidentWeb site: www.efirstbank.com

FirstBank of Northern Colorado1352 W. Eisenhower Blvd.Loveland, CO 80537Phone: (970) 669-4000Person In Charge: Patrick M. Brady,PresidentWeb site: www.efirstbank.com

FirstBank of Northern Colorado1510 Main St.Windsor, CO 80550Phone: (970) 674-2900Person In Charge: Patrick M. Brady,PresidentWeb site: www.efirstbank.com

Fort Collins Commerce Bank3700 S. College Ave., Unit 102Fort Collins, CO 80525Phone: (970) 204-1010Fax: (970) 204-1590E-mail:[email protected]/Services: Banking andfinancial services.Person In Charge: Mark Allen Krossand Gerard NaleznyWeb site:www.fortcollinscommercebank.com

Front Range Bank3800 E. 15th St.Loveland, CO 80538Phone: (970) 663-1322Fax: (970) 663-9087E-mail:[email protected] In Charge: Dale W. RobertsWeb site: www.frontrangebank.com

Heritage Bank785 Cheesman St.Erie, CO 80516-0449Phone: (303) 828-0888Fax: (303) 828-0828E-mail: [email protected] site: www.heritagebanks.com

The Home State Bank303 E. Mountain Ave.Fort Collins, CO 80524Phone: (970) 622-7188Fax: (970) 224-4180E-mail: [email protected]/Services: Banking andloans.Person In Charge: Steve Fobes,Senior vice presidentWeb site: www.homestatebank.com

The Home State Bank2337 S. Shields St.Fort Collins, CO 80526Phone: (970) 203-6100E-mail: [email protected]/Services: Banking and loans.Person In Charge: DonaldChurchwell, CEOWeb site: www.homestatebank.com

The Home State Bank935 N. Cleveland Ave.Loveland, CO 80538Phone: (970) 203-6100Fax: (970) 669-6228E-mail: [email protected]/Services: Banking and loans.Person In Charge: DonaldChurchwell, CEOWeb site: www.homestatebank.com

The Home State Bank2965 W. Eisenhower Blvd.Loveland, CO 80538Phone: (970) 203-6100Fax: (970) 669-1491E-mail: [email protected]/Services: Banking andloans.Person In Charge: DonaldChurchwell, CEOWeb site: www.homestatebank.com

The Home State Bank - Main300 E. 29th St.Loveland, CO 80537Phone: (970) 203-6100Fax: (970) 669-1491E-mail: [email protected]/Services: Banking andloans.Person In Charge: DonaldChurchwell, CEOWeb site: www.homestatebank.com

The Home State Bank310 Mountain Ave.Berthoud, CO 80513Phone: (970) 203-6100E-mail: [email protected]/Services: Banking andloans.Person In Charge: DonaldChurchwell, CEOWeb site: www.homestatebank.com

The Home State Bank3227 Timberline RoadFort Collins, CO 80525Phone: (970) 203-6100E-mail: [email protected]/Services: Banking andloans.Person In Charge: DonaldChurchwell, CEOWeb site: www.homestatebank.com

The Home State Bank1355 E. Eisenhower Blvd.Loveland, CO 80537Phone: (970) 622-7198Fax: (970) 669-6228E-mail: [email protected]/Services: Banking andloans.Person In Charge: DonaldChurchwell, CEOWeb site: www.homestatebank.com

Horizon Banks2950 N. Garfield Ave.Loveland, CO 80538Phone: (970) 669-6424Fax: (970) 669-8114 or 669-8144E-mail:[email protected]/Services: Residential,commercial and industrial real estatelending, consumer and commercialloan and deposit products.Person In Charge: John A. BusbyWeb site:www.bankhorizononline.com

KeyBank of Colorado541 Big Thompson Ave.Estes Park, CO 80517Phone: (970) 586-2364Products/Services: Bankingservices.Web site: www.keybank.com

KeyBank of Colorado300 W. Oak St.Fort Collins, CO 80521Phone: (970) 482-3216Fax: (970) 221-2811Web site: www.key.com

KeyBank of Colorado100 E. Drake RoadFort Collins, CO 80525Phone: (970) 494-2480Products/Services: Bankingservices.Web site: www.keybank.com

KeyBank of Colorado1130 Haxton DriveFort Collins, CO 80525Phone: (970) 226-3902Products/Services: Bankingservices.Web site: www.keybank.com

KeyBank of Colorado822 14th St.Greeley, CO 80631Phone: (970) 378-3220Products/Services: Bankingservices.Web site: www.keybank.com

KeyBank of Colorado125 E. Seventh St.Loveland, CO 80537Phone: (970) 667-3083Products/Services: Bankingservices.Web site: www.keybank.com

New Frontier Bank2425 35th Ave.Greeley, CO 80634Phone: (970) 339-5100Fax: (970) 339-5200E-mail:[email protected]/Services: Full-service,locally owned and managed bank.Person In Charge: Larry Seastrom,CEO and PresidentWeb site: www.newfrontierbank.com

New Frontier Bank1130 Main St.Windsor, CO 80550Phone: (970) 674-9080Fax: (970) 674-9090E-mail: [email protected]/Services: Full-sevice bank,locally owned and managed, andthird largest ag lender in the U.S.Person In Charge: Larry Seastrom,PresidentWeb site: www.newfrontierbank.com

New West Bank55 S. Elm Ave.Eaton, CO 80615Phone: (970) 454-1800Fax: (970) 454-1802E-mail:[email protected]/Services: Financialservices, full-service locally ownedcommunity bank. Includesagricultural loan services.Person In Charge: Tim Croissant,PresidentWeb site: www.newwestbank.biz

New West Bank3459 W. 20th St., Suite 114Greeley, CO 80634Phone: (970) 378-1800Fax: (970) 378-1801Products/Services: Financialservices, full-service locally ownedcommunity bank. Includesagricultural loan services.Person In Charge: William Hertneley,PresidentWeb site: www.newwestbank.biz

Signature Bank6801 W. 20th St.Greeley, CO 80624Phone: (970) 330-1200Fax: NAE-mail: [email protected]/Services: Full-servicebanking.Person In Charge: Robert NelsonHinderakerWeb site: www.signaturebanks.com

Signature Bank355 Eastman Park DriveWindsor, CO 80550Phone: (970) 674-3600Fax: (970) 674-3610E-mail: [email protected]/Services: Full-servicebanking.Person In Charge: Robert NelsonHinderakerWeb site: www.signaturebanks.com

TierOne Bank1336 Oakridge Drive, No. 102Fort Collins, CO 80525Phone: (970) 282-9232Person In Charge: Kathy ChemoffWeb site: www.tieronebank.com

Union Colony Bank3645 35th Ave.Evans, CO 80620Phone: (970) 346-5050Products/Services: Banking.Person In Charge: Larry Wood,PresidentWeb site: www.unioncolonybank.com

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Union Colony Bank112 Denver Ave.Fort Lupton, CO 80621Phone: (303) 857-0300Person In Charge: Larry Wood,PresidentWeb site: www.unioncolony.com

Union Colony Bank1701 23rd Ave.Greeley, CO 80634Phone: (970) 356-7000Fax: (970) 353-6299E-mail: www.unioncolonybank.comProducts/Services: Banking.Person In Charge: Larry Wood, CEOWeb site: www.unioncolonybank.com

Union Colony Bank920 54th Ave.Greeley, CO 80634Phone: (970) 346-5050Fax: (970) 392-0504Products/Services: Banking.Person In Charge: Larry Wood,PresidentWeb site: www.unioncolony.com

Union Colony Bank100 Johnstown Center DriveJohnstown, CO 80534Phone: (970) 587-4661Fax: (970) 587-2817E-mail: www.unioncolonybank.comProducts/Services: Bank.Person In Charge: Larry Wood,PresidentWeb site: www.unioncolonybank.com

Union Colony Bank301 First St.Kersey, CO 80644Phone: (970) 346-5050Fax: (970) 356-0418Products/Services: Banking.Person In Charge: Larry Wood,PresidentWeb site: www.unioncolony.com

Union Colony Bank390 Justin Ave.Platteville, CO 80651Phone: (970) 346-5050Fax: (970) 785-2244Products/Services: Banking.Person In Charge: Larry Wood,PresidentWeb site: www.unioncolony.com

Union Colony Bank1505 Main St.Windsor, CO 80550Phone: (970) 346-5050Fax: (970) 686-7091Products/Services: Banking.Person In Charge: Larry Wood,PresidentWeb site: www.unioncolony.com

US Bank3338 Arapahoe RoadErie, CO 80516Phone: (303) 269-8300Fax: (303) 926-0318

US Bank3338 Arapahoe RoadEstes Park, CO 80516Phone: (303) 269-8300Web site: www.usbank.com

US Bank6110 Firestone Blvd.Firestone, CO 80504Phone: (720) 652-6691Products/Services: Banking.Web site: www.usbank.com

US Bank301 E. Horsetooth RoadFort Collins, CO 80525Phone: (970) 207-0799Fax: (970) 223-8628Products/Services: Banking.Web site: www.usbank.com

US Bank400 Howes St.Fort Collins, CO 80521Phone: (970) 493-5506Products/Services: Banking.Web site: www.usbank.com

US Bank4503 JFK ParkwayFort Collins, CO 80525Phone: (970) 255-8591Products/Services: Banking.Web site: www.usbank.com

US Bank2602 S. Timberline RoadFort Collins, CO 80525Phone: (970) 206-0947Products/Services: Banking.Web site: www.usbank.com

US Bank3690 W. 10th St.Greeley, CO 80634Phone: (970) 392-9717Fax: (970) 352-7087Products/Services: Banking.Person In Charge: Jeff JironWeb site: www.usbank.com

US Bank2845 Linden CourtLoveland, CO 80538Phone: (970) 669-5172Fax: (970) 669-0553Products/Services: Banking.Web site: www.usbank.com

US Bank1275 Eagle DriveLoveland, CO 80537Phone: (970) 461-0115Products/Services: Banking.Person In Charge: Cory BrossmanWeb site: www.usbank.com

US Bank1520 Main St.Windsor, CO 80550Phone: (970) 686-0754Products/Services: Banking.Web site: www.usbank.com

Valley Bank & Trust422 Eighth St.Dacono, CO 80514Phone: (303) 833-4261Fax: (303) 833-4356Products/Services: Full-servicebanking, including agricultural loans.Person In Charge: Suzette Goecke,Branch operations manager and JeffOlson, Branch presidentWeb site:www.valleybankandtrust.com

Valley Bank & Trust450 Oak St.Frederick, CO 80530-9999Phone: (303) 833-2290Fax: (303) 825-8081Products/Services: Full-servicebanking, including agricultural loans.Person In Charge: Marlys McMullen,Branch operations manager andFrank Ross, Branch presidentWeb site:www.valleybankandtrust.com

Valley Bank & Trust580 Dahlia St.Hudson, CO 80642Phone: (303) 536-9259Fax: (303) 536-9308Products/Services: Full-servicebanking, including agricultural loans.Person In Charge: Brian Blehm,Branch president and BethanyHarrison, Branch operations managerWeb site:www.valleybankandtrust.com

Valley Bank & Trust100 S. Main St.Keenesburg, CO 80643Person In Charge: Sarah Groves,Administrator and Branch operationsmanagerWeb site:www.valleybankandtrust.com

Valley Bank & Trust56641 Colfax Ave.Strasburg, CO 80136Phone: (303) 622-6598Fax: (303) 622.6590Products/Services: Full-servicebanking, including agricultural loans.Person In Charge: Ivy Fischer,Branch president and Mindi Gallegos,Branch operations managerWeb site:www.valleybankandtrust.com

Vectra Bank Colorado112 S. Denver Ave.Fort Lupton, CO 80621Phone: (303) 857-0300

Washington Mutual Bank1275 E. Magnolia St.Fort Collins, CO 80521Phone: (970) 472-6149Fax: (970) 472-6167Person In Charge: Brady TomlinWeb site: www.wamu.com

Washington Mutual Bank1015 S. Taft Hill RoadFort Collins, CO 80521Phone: (970) 472-5413Fax: (970) 472-0980Products/Services:Consumer/business accounts andloans and investment services.Person In Charge: Victoria Chen,Branch managerWeb site: www.wamu.com

Washington Mutual Bank1414 E. Harmony RoadFort Collins, CO 80524Phone: (970) 226-6105Fax: (970) 226-6504Products/Services: Full bankservices.Person In Charge: Laurie Hart,Branch managerWeb site: www.wamu.com

Washington Mutual Bank4530 Centerplace DriveGreeley, CO 80634Phone: (970) 330-1029Fax: (970) 330-3246Person In Charge: Sue Pimm, BranchmanagerWeb site: www.wamu.com

Washington Mutual Bank1119 Eagle DriveLoveland, CO 80537Phone: (970) 663-3766Fax: (970) 663-3922Person In Charge: Eric PerryWeb site: www.wamu.com

Washington Mutual Bank - Erie3335 Arapahoe RoadErie, CO 80516Phone: (303) 604-2467Person In Charge: Timothy Orton,Branch managerWeb site: www.wamu.com

Washington Mutual Bank - WindsorFinancial Center1555 Main St.Windsor, CO 80550Phone: (970) 686-6254Fax: (970) 686-6284Person In Charge: Shawn FlahertyWeb site: www.wamu.com

Wells Fargo Bank401 S. College Ave.Fort Collins, CO 80522Phone: (970) 482-1100Fax: (970) 495-9825Products/Services: Banking,insurance, wealth management andestate planning, investments,mortgage and consumer andbusiness finance.Person In Charge: Dan Gasper,PresidentWeb site: www.wellsfargo.com

Wells Fargo Bank3500 JFK Parkway, Suite 110Fort Collins, CO 80525Phone: (970) 233-3600Fax: (970) 224-0433Products/Services: Banking,insurance, wealth management andestate planning, investments,mortgage and consumer finance.Person In Charge: Anita Nemitz,ManagerWeb site: www.wellsfargo.com

Wells Fargo Bank3600 S. College Ave.Fort Collins, CO 80525Phone: (970) 226-4545Fax: (970) 266-7771E-mail: [email protected]/Services: Banking,insurance, wealth management andestate planning, investments,mortgage and consumer finance.Person In Charge: Dan Gasper,PresidentWeb site: www.wellsfargo.com

Wells Fargo Bank2827 E. Harmony RoadFort Collins, CO 80528Phone: (970) 223-1856Products/Services: Banking,insurance, wealth management andestate planning, investments andconsumer finance.Person In Charge: Dan GasperWeb site: www.wellsfargo.com

Wells Fargo Bank1025 Ninth Ave.Greeley, CO 80631Phone: (970) 318-3112Fax: (970) 378-3137Products/Services: Full-servicebank.Person In Charge: Bill Kurtz,PresidentWeb site: www.wellsfargo.com

Wells Fargo Bank2164 35th Ave.Greeley, CO 80634Phone: (970) 336-6244Fax: (970) 330-1004Products/Services: Financial services.Person In Charge: Bill Kurtz,Community bank presidentWeb site: www.wellsfargo.com

Wells Fargo Bank2300 W. 16th St.Greeley, CO 80631Phone: (970) 378-2362Fax: (970) 353-9143Person In Charge: Bill Kurtz, Presidentand Jill A. Sauter, Vice presidentWeb site: www.wellsfargo.com

Wells Fargo Bank2045 10th St.Greeley, CO 80631Phone: (970) 351-4724Person In Charge: Bill Kurtz,PresidentWeb site: www.wellsfargo.com

Wells Fargo Bank5801 W. 11th St.Greeley, CO 80634Phone: (970) 356-7700Person In Charge: Bill Kurtz,PresidentWeb site: www.wellsfargo.com

Wells Fargo Bank3710 Grant Ave.Loveland, CO 80538Phone: (970) 203-2540Products/Services: Full-service bank.Web site: www.wellsfargo.com

Wells Fargo Bank1412 Hahns Peak DriveLoveland, CO 80538Phone: (970) 461-6360Products/Services: Full-servicebank.Web site: www.wellsfargo.com

Wells Fargo Bank1069 Main St.Windsor, CO 80550Phone: (970) 686-7900Products/Services: Full-servicebank.Web site: www.wellsfargo.com

Western States Bank1520 E. Mulberry St.Fort Collins, CO 80524Phone: (970) 530-1500Fax: (970) 530-1555Products/Services: Personal andbusiness banking and loans.Person In Charge: Larry Meier,Regional president

Western States Bank1298 N. College Ave.Fort Collins, CO 80524Phone: (970) 224-1300Fax: (970) 224-1355E-mail:[email protected]/Services: Personal andbusiness banking and loans.Person In Charge: Mark Sheeley,Vice president and Larry Meier,Regional presidentWeb site: www.westernstatesbank.com

World Savings Bank FSB320 E. Harmony RoadFort Collins, CO 80525Phone: (970) 493-3300Person In Charge: Linda Cripps,Branch managerWeb site: www.worldsavings.com

World Savings Bank FSB1100 11th Ave.Greeley, CO 80631Phone: (970) 352-6128Fax: (970) 352-0185Person In Charge: Herbert Sandler,CEOWeb site: www.worldsavings.com

CPA

Alexander Broughton & Co. CPAsPC903 N. Cleveland Ave., Suite BLoveland, CO 80537Phone: (970) 669-7200Fax: (970) 669-7211E-mail: [email protected] In Charge: Mike Alexander,President

Anderson & Whitney PC5801 W. 11th St., Suite 300Greeley, CO 80634-4813Phone: (970) 352-7990Fax: (970) 352-1855E-mail: [email protected]/Services: Publicaccounting firm.Person In Charge: Larry Atchison,PresidentWeb site: www.awhitney.com

Anderson CPA & Financial Service204 Walnut St., Suite HFort Collins, CO 80524Phone: (970) 674-0011Fax: (970) 416-0026

Angeli, Delinger, Dye & KercherLLC760 Whalers WayFort Collins, CO 80525Phone: (970) 229-0500Fax: (970) 229-0592Person In Charge: John W. Angeli,Partner

B. Sue Wood and Associates527 Remington St.Fort Collins, CO 80524Phone: (970) 482-5626Fax: (970) 482-5629Person In Charge: B. Sue Wood

Bartels & Co. LLC CPAs7251 20th St., Building D-1Greeley, CO 80634Phone: (970) 352-7500Fax: (970) 352-2281E-mail: [email protected]/Services: Full-service CPAfirm including tax preparation andplanning, auditing, bookkeeping andaccounting.Person In Charge: Richard J. Bartels,Managing partnerWeb site: www.bartelscpa.com

Bates & Bishop CPA Inc.375 W. 37th St., Suite 100Loveland, CO 80538Phone: (970) 669-7400Fax: (970) 669-7404E-mail: [email protected]/Services: Payroll serviceand tax preparation.Person In Charge: Rex Bates,PresidentWeb site: www.batesbishopcpa.com

Bob German CPA PC300 E. Boardwalk Drive, Bldg. 5BFort Collins, COPhone: (970) 223-7373Fax: (970) 223-0157


Brock & Associates1770 25th Ave.Greeley, COPhone: (970) 356-7994Fax: (970) 356-6128

Brock and Co. CPAs PC3500 JFK Parkway, Suite 320Fort Collins, CO 80525Phone: (970) 223-7855Fax: (970) 223-3926E-mail: [email protected]/Services: Publicaccounting services, small businessconsulting; business and estateplanning; construction industry;professionals; audit, reviews andcompiliations; tax planning andpreparation.Person In Charge: Susan R. Johnson,DirectorWeb site: www.brockcpas.com

Carl Henderson CPA5455 U.S. Highway 36Estes Park, CO 80517-8842Phone: (970) 586-5008Fax: (970) 586-5009

Carroll & Associates CPAs PC419 Canyon Ave., Suite 220Fort Collins, CO 80527Phone: (970) 224-3357Fax: (970) 484-1277E-mail: [email protected] In Charge: Steve Carroll,President

Cowles Tax Service1625 Eighth Ave.Greeley, CO N/APhone: (970) 353-1515

Crona & Associates1191 Woodstock Drive, Suite 8Estes Park, CO 80517Phone: (970) 586-2328Fax: (970) 586-6771

CW Decker & Co., CPAs, PC215 W. Magnolia, #201Fort Collins, CO 80521Phone: (970) 482-2179Fax: (970) 221-9405E-mail: [email protected] In Charge: Chuck Decker,President

Dean Dunn & Associates19 Old Town SquareFort Collins, CO 80524Phone: (970) 482-4934Fax: (970) 482-4584

Debra K. Kohler CPA2854 W. Lake St.Fort Collins, CO 80521-4045Phone: (970) 482-3008

Dennis L. Oberhelman CPA3819 St. Vrain Ave., Suite BEvans, CO 80620Phone: (970) 506-9431Fax: (970) 506-9432E-mail: [email protected]/Services: Certified publicaccountant.Person In Charge: Dennis L.Oberhelman

Dye & Whitcomb LLC3555 Stanford Road, Suite 200Fort Collins, CO 80525Phone: (970) 207-9724Fax: (970) 207-9750E-mail: [email protected]/Services: Accounting andbookkeeping services, includingpayroll and tax preparation.Person In Charge: James K. Dye,PrincipalWeb site: http://dyewhitcomb.com

Eads & Associates Inc.1730 S. College Ave.Fort Collins, CO 80525Phone: (970) 221-1477Fax: (970) 221-8506E-mail:[email protected] In Charge: Brad Eads,President

EKS&H/Ehrhardt Keefe Steiner &Hottman PC1321 Oakridge DriveFort Collins, CO 80525Phone: (970) 282-5400Fax: (970) 282-5499E-mail: [email protected]/Services: Offers audit, taxplanning and a variety of business-advisory services, includingspecialized expertise.Person In Charge: Christopher M.Otto and Kermit L. Allard, PrincipalsWeb site: www.eksh.com

Frayer & Associates CPA PC501 Stover St.Fort Collins, CO 80524Phone: (970) 419-3200Fax: (970) 419-3201E-mail: [email protected]/Services: Payroll,financials and employee benefits.Person In Charge: Nicole Harding,Payroll manager

Frink & Associates PC150 E. 29th StLoveland, CO 80538Phone: (970) 667-2123Fax: (970) 669-3841

Gates, Kirby & Co., PC300 E. Boardwalk Drive, Bldg. 5BFort Collins, CO 80525Phone: (970) 226-1704Fax: (970) 223-0157E-mail: [email protected]/Services: Individual taxreturn preparation and planning,corporation and partnership taxreturn preparation and planning.Audits, reviews and compilations.QuickBooks and general businessconsulting.Person In Charge: Tom L. Gates,President

Geoffrey W. Goudy, CPA LLC401 W. Mountain Ave., Suite 101Fort Collins, CO 80521Phone: (970) 472-9000Fax: (970) 472-9025E-mail: [email protected] In Charge: Geoffrey Goudy, CPAWeb site: www.cspotcount.com

George Foreman CPA510 MainWindsor, COPhone: (970) 686-7469

Geyer & Associates CPAs125 S. Howes St., Suite 910Fort Collins, CO 80521Phone: (970) 484-7040Fax: (970) 484-3826E-mail: [email protected] In Charge: Dana Geyer,President

Goetzel, Nickels & Co. LLC4631 W. 20th Street RoadGreeley, CO 80634Phone: (970) 304-9420Fax: (970) 304-9421E-mail: [email protected]/Services: Certified publicaccountants.Person In Charge: Chris Nickels,Member

Gorsline Accounting Services1630 25th Ave.Greeley, CO 80634-4908Phone: (970) 352-2850Fax: (970) 352-2851

Halliburton, Hogsett, Scott &Associates PC873 N. Cleveland Ave.Loveland, CO 80537Phone: (970) 667-5316E-mail: [email protected]/Services: Tax planningand preparation, estate tax planning,auditing and financial statementpreparation.Person In Charge: Dennis J. Hogsett,CPA

Hanna, Holdredge & AssociatesCPA PC345 E. 27th St.Loveland, CO 80538Phone: (970) 667-2555Fax: (970) 669-9494E-mail: [email protected]/Services: Accounting, taxpreparation and payroll services.Person In Charge: Sandra L. Hanna,CPA, PresidentWeb site: www.lovelandcpas.com

Hunt, Spillman & Associates PC125 S. Howes St., Seventh FloorFort Collins, CO 80521Phone: (970) 482-2272Fax: (970) 482-3231E-mail: [email protected]/Services: Certified publicaccountants.Person In Charge: Robert J. Hunt,DirectorWeb site: www.huntspillman.com

Kennedy & Coe LLC1901 56th Ave., Suite 200Greeley, CO 80634Phone: (970) 330-8860Fax: (970) 330-6680E-mail: [email protected]/Services: Certified PublicAccountants.Person In Charge: John Dollarhide,MemberWeb site: www.kcoe.com

Kenneth Erickson4730 S. College Ave., Suite 201Fort Collins, CO 80525-3763Phone: (970) 226-2541Fax: (970) 225-1750

Knezovich and Williams CPAs LLC109 Coronado CourtFort Collins, CO 80525Phone: (970) 224-9900Fax: (970) 377-6767E-mail: [email protected] In Charge: John Knezovich,Senior member

Kruchten & Co. PC315 W. Oak St., Suite 201Fort Collins, CO 80521Phone: (970) 482-6996Fax: (970) 482-4704Person In Charge: John Kruchten,President

Kruger & Clary CPAs515 S. Howes St.Fort Collins, CO 80521Phone: (970) 482-6947Fax: (970) 472-4061E-mail: [email protected]/Services: Tax and relatedservices.Person In Charge: Melissa Clary,Owner and Partner and Dale Kruger,OwnerWeb site: http://www.krugercpas.com

Lawrence M. Skolds CPA109 Coronado Court, Bldg. 7Fort Collins, CO 80525Phone: (970) 498-0300Fax: (970) 498-0667E-mail: [email protected]/Services: 12 years incorporate finance and accounting sohe understands the needs of a widerange of businesses and over adecade experience in publicaccounting.Person In Charge: Larry Skolds, CPAWeb site: www.lmsprotax.com

Lloyd Spawn CPA1530 Remington St.Fort Collins, CO 80524Phone: (970) 493-0020Fax: (970) 493-0020

Lyle Marquis CPA2114 N. Lincoln St.Loveland, COPhone: (970) 667-3132Fax: (970) 667-5008

Nancy Marzonie3938 JFK ParkwayFort Collins, CO 80525Phone: (970) 223-5123Fax: (970) 223-5735Person In Charge: Nancy Marzonie,Owner

Northern Colorado AgriBusinessInc.124 Oak Ave.Eaton, CO 80615-3410Phone: (970) 454-3384Fax: (970) 454-2325E-mail: [email protected]/Services: Accounting forfarms, ranches and businesses, taxpreparation, business consulting,QuickBooks setup and consulting,financial statement preparation.Person In Charge: CherriScheidecker and Dana Scheidecker

Odstrcil & Meis CPAs PC1770 25th Ave., Suite 206Greeley, CO 80631Phone: (970) 352-0661Fax: (970) 304-6850E-mail: [email protected] In Charge: Anita Meis,President

Randall K. Koerselman CPA201 Linden St., Suite 201Fort Collins, CO 80524Phone: (970) 224-0685

Richard Bonilla, mba201 Cheyenne DriveBerthoud, CO 80513Phone: (970) 532-0615Fax: (970) 532-0615E-mail: [email protected]/Services: Accounting, tax,cost accounting system and design,DCAA, and ERP system evualation andimplementation. Flat fee financialplanning.Person In Charge: Richard BonillaWeb site: www.richard.bonilla.com

Richards & Richards220 E. Mulberry St.Fort Collins, CO 80524Phone: (970) 493-5494Fax: (970) 416-5798E-mail: jlrichardsAcompuserve.com

Rickards Long & Rulon LLP301 E. Olive St.Fort Collins, CO 80524Phone: (970) 493-6869Fax: (970) 484-1992E-mail: [email protected]/Services: CPA firm,business consultants, payroll services.Person In Charge: Lauren Long; JillRickards and A. Scott Rulon, PartnersWeb site: www.rlrcpas.com

Robert Green CPA PC822 Seventh St., Suite 500Greeley, CO 80631-3933Phone: (970) 353-2727Fax: (970) 353-2946Person In Charge: Robert Green

Ruesch & Biddle CPAs3535 W. 12th St., Suite DGreeley, CO 80634Phone: (970) 353-1798Fax: (970) 353-1799E-mail: [email protected]/Services: CPA firm.Person In Charge: William R. Ruesch,PartnerWeb site: www.rueschandbiddle.com

Sample & Bailey CPA PC375 E. Horsetooth Road, Bldg. 4, Suite200Fort Collins, CO 80525Phone: (970) 223-8825Fax: (970) 223-0817E-mail: [email protected]/Services: Accounting,payroll, tax, financial services.Person In Charge: Roger L. Sample,PresidentWeb site: www.sampleandbailey.com

Schulz and Leonard PC200 First St.Eaton, CO 80615Phone: (970) 454-3371Fax: (970) 454-3465E-mail: [email protected] In Charge: Roger L. Schulz,President

Shelley Wagar CPA1703 Axial DriveLoveland, CO 80538Phone: (970) 663-5345Person In Charge: Shelley Wagar,Owner

Shinn Consulting CPAs PC702 W. Drake Road, Bldg. DFort Collins, CO 80526Phone: (970) 206-1435Fax: (970) 494-7979E-mail:[email protected]/Services: Individual,business, estate, retirement andtaxes and financial planning.Person In Charge: Ralph T. Shinn,PresidentWeb site:www.shinnconsultingcpas.com

Siebert & Associates PC8219 W. 20th St., Suite BGreeley, CO 80634Phone: (970) 353-3750Fax: (970) 353-3752E-mail: [email protected]/Services: Certified publicaccountants and consultants.Person In Charge: William J. Siebert,President


Soukup, Bush & Associates CPAs PC2032 Caribou Drive, Suite 200Fort Collins, CO 80525Phone: (970) 223-2727Fax: (970) 226-0813E-mail: [email protected]/Services: CPA firm.Person In Charge: Scott Bush,PresidentWeb site: www.soukupbush.com

Steven Delinger & James Dye760 Whalers Way, Bldg. C, Suite 120Fort Collins, CO 80525Phone: (970) 229-0500Fax: (970) 229-0592

Thill & Associates CPA PC712 Whalers Way, B-300Fort Collins, CO 80525Phone: (970) 484-2755Fax: (970) 406-4556E-mail: [email protected]/Services: Full-servicebookkeeping and tax-accounting firm.Person In Charge: Cindy ThillWeb site: None

Tim Chavies & Associates1220 11th Ave., Suite 300Greeley, CO 80631-3858Phone: (970) 356-2284Fax: (970) 353-9701

Watkins & Schommer1220 11th Ave.Greeley, CO 80631-3858Phone: (970) 352-1700Fax: (970) 352-1708

William Cheedle PC117 E. Mountain Ave.Fort Collins, CO 80524Phone: (970) 484-4411Fax: (970) 493-8438Person In Charge: William Cheedle,Owner

Yudien, Fry & Associates185 N. College Ave.Fort Collins, CO 80524Phone: (970) 484-9655Fax: (970) 223-1475E-mail: [email protected]/Services: Full-serviceaccounting, business consulting.Person In Charge: Stephanie Kimak,PartnerWeb site: www.yfacpa.com

Credit Unions

Addison Avenue Credit Union3404 E. Harmony Road, Bldg. 1LFort Collins, CO 80528Phone: (970) 223-6057Web site: https://addisonavenue.com

Addison Avenue Credit Union815 S.W. 14th St., Bldg. CLoveland, CO 80537Phone: (877) 233-4766Web site: https://addisonavenue.com

Anheuser-Busch Employees CreditUnion1520 E. Mulberry St., Suite 100Fort Collins, CO 80524Phone: (970) 221-4541Fax: (970) 221-4543N/A

Big Thompson Federal Credit Union746 N. Cleveland Ave.Loveland, CO 80537Phone: (970) 669-4747Person In Charge: Anne T. HrdlickaWeb site: www.bigthompsonfcu.org

Boulder Valley Credit Union162 S. Saint Vrain Ave.Estes Park, CO 80517Phone: (970) 577-0750Person In Charge: Rick Allen,PresidentWeb site: www.bvcu.org

Brighton Cooperative FederalCredit Unon195 S. Kuner RoadBrighton, CO 80601Phone: (303) 659-7014Fax: (303) 659-6715E-mail: [email protected]/Services: Financialservices.Person In Charge: Noni Koabza,ManagerWeb site: www.brightonfcu.com

College Credit Union of Greeley2901 S. 27th Ave.Greeley, CO 80631Phone: (970) 351-2434Person In Charge: Walt MarxWeb site: www.collegecu.org

College Credit Union of Greeley1503 9th Ave.Greeley, CO N/AWeb site: www.collegecu.org

Colorado State Employees CreditUnion1107 W. Drake Road, Suite E2Fort Collins, CO 80526Phone: (800) 444-4816Fax: (970) 226-5089N/A

Colorado State Employees CreditUnion2505 11th Ave.Greeley, CO 80631-6927Phone: (970) 350-0880Fax: (970) 304-4916

Longs Peak Credit Union1661 Estrella Ave.Loveland, CO 80538Phone: (970) 667-8585Person In Charge: Sondra S.KobersteinWeb site: www.lpcu.org

Longs Peak Credit Union-EastBranch2495 E. 13th St.Loveland, CO 80538Phone: (970) 622-9956Fax: (970) 461-4548Person In Charge: Sondra S.KobersteinWeb site: www.lpcu.org

Longs Peak Credit Union-SouthBranch150 14th St. S.W.Loveland, CO 80538Phone: (970) 667-0344Fax: (970) 667-0373Person In Charge: Sondra S.KobersteinWeb site: www.lpcu.org

Norbel Credit Union - Main1025 E. Swallow RoadFort Collins, CO 80525Phone: (970) 206-9666Fax: (970) 204-9969E-mail: [email protected] In Charge: Edwin Bigby Jr.,President and Laura McFadden, VicepresidentWeb site: www.norbel.org

Norbel Credit Union - Greeley1220 Ninth Ave.Greeley, CO 80631-4018Phone: (970) 353-1082Fax: (970) 336-6543E-mail: [email protected] In Charge: Edwin Bigby Jr.,PresidentWeb site: www.norbel.org

Norbel Credit Union - Loveland1531 N. Lincoln Ave., Suite DLoveland, CO 80538-3825Phone: (970) 206-9666Fax: (970) 663-6709E-mail: [email protected] In Charge: Edwin Bigby Jr.,PresidentWeb site: www.norbel.org

Norlarco Credit Union - Estes Park162 S. Saint Vrain Ave.Estes Park, CO 80517Phone: (970) 586-5233Fax: (970) 416-5006Person In Charge: Chuck Mabry, CEOWeb site: www.norlarco.org

Norlarco Credit Union - Main2545 Research Blvd.Fort Collins, CO 80526Phone: (970) 416-5000Fax: (970) 416-5006Person In Charge: Bob Hamer, CEOWeb site: www.norlarco.com

Norlarco Credit Union - MeldrumBranch319 S. Meldrum St.Fort Collins, CO 80521Phone: (970) 416-5000Fax: (970) 416-5006Person In Charge: Chuck Mabry, CEOWeb site: www.norlarco.org

Norlarco Credit Union - DrakeBranch2503 Research Blvd.Fort Collins, CO 80526Phone: (970) 416-5000Fax: (970) 416-5006Person In Charge: Chuck Mabry, CEOWeb site: www.norlarco.org

Norlarco Credit Union - LemayBranch900 S. Lemay Ave.Fort Collins, CO 80524Phone: (970) 416-5000Fax: (970) 416-5006Web site: www.norlarco.org

Norlarco Credit Union - WhalersWay Branch700 Whalers WayFort Collins, CO 80525Phone: (970) 416-5000Fax: (970) 416-5006Web site: www.norlarco.org

Norlarco Credit Union - WindsorBranch*422 Main St.Windsor, CO 80550Phone: (970) 416-5000Fax: (970) 416-5006Person In Charge: Chuck MabryWeb site: www.norlarco.orgWeb site:* Includes assets of former KodakColorado Division Credit Union.

Norlarco Credit Union2529 N. Lincoln Ave.Loveland, CO 80538Phone: (970) 416-5000Fax: (970) 416-5006Person In Charge: Robert E. Hamer,CEOWeb site: www.norlarco.com

State Farm Insurance Co. CreditUnion3001 Eighth Ave.Greeley, CO 80638Phone: (970) 351-5361Person In Charge: John Boyd

Sunrise Credit Union5569 N. Larimer County Road 29Loveland, CO 80538Phone: (970) 679-4311Person In Charge: Diana de WintonWeb site: www.sunrisecreditunion.org

Tri-Cue Inc.P.O. Box 271939Fort Collins, CO 80527-1939Phone: (970) 416-5048Fax: (970) 416-8079E-mail: [email protected]/Services: Credit unionfounded CUSO that provides theUltradata Credit Union EnterpriseApplication to our partner andmember credit unions throughoutthe Rocky Mountain States area.Person In Charge: Kent Richard,PresidentWeb site: www.tricue.com

Weld Schools Credit Union2555 47th Ave.Greeley, CO 80634Phone: (970) 330-9728Person In Charge: Steve SanbornWeb site: www.weldschoolscu.com

Insurance

AAA Colorado3636 S. College Ave.Ft Collins, CO 80525Phone: (970) 223-1111Fax: (970) 223-2788E-mail: [email protected]/Services: Insurance, air,tours, cruises, vacation packages,rental car and hotel reservations.Person In Charge: Nancy Binkley,ManagerWeb site: www.aaa.com

AAA Colorado3810 W. 10th St.Greeley, CO 80634-1557Phone: (970) 356-5600Fax: (970) 356-0138E-mail: [email protected]/Services: Insurance, air,tour, cruises, vacation packages,rental car and hotel reservations.

ABC Insurance621 S. College Ave., Suite 1Fort Collins, CO 80524Phone: (970) 484-3200Fax: (970) 484-3210

ABC Insurance/National FarmersUnion Insurance619 S. College Ave., Suite 4-BFort Collins, CO 80524Phone: (970) 484-3200Fax: (970) 484-3210Person In Charge: Chuck Noland,Agent and Owner

Aid Association for Lutherans2707 W. Eisenhower Blvd.Loveland, CO 80537Phone: (970) 663-4188

AIG-American General264 Camino Del MundoFort Collins, CO 80524Phone: (970) 482-2385Fax: (970) 416-1333E-mail: [email protected]/Services: Life insurance,annuities, investments.Person In Charge: Larry Siegfried,Manager

Albrecht Farmers Insurance525 N. Denver Ave.Loveland, CO 80537Phone: (970) 669-4469Fax: (970) 663-6801

All Risk Insurance2918 W. 11th Ave.Greeley, CO 80631Phone: (970) 353-4200Fax: (970) 353-4265

Allstate Insurance2881 Monroe Ave., Suite4Loveland, CO 80538Phone: (970) 663-2424

Allstate Insurance295 E. 29th St., Suite 220Loveland, CO 80538Phone: (970) 635-0695Fax: (970) 635-1783

Allstate Insurance - JamesMichalka Agency363 W. Drake Road, No. 1Fort Collins, CO 80526Phone: (970) 233-1332Fax: (970) 226-6991E-mail: [email protected]/Services: Personal andbusiness insurance services.Person In Charge: James I. Michalka,Agency principalWeb site:http://agent.allstate.com/JamesMichalka/Welcome/

Allstate Insurance - Jeff Greco135 Oak St., Suite AFort Collins, CO 80524Phone: (970) 407-0706Fax: (970) 407-0966

Allstate Insurance - PitmonAgency1001 N. Cleveland Ave.Loveland, CO 80537Phone: (970) 622-8553Fax: (970) 622-8557

American Family Insurance5900 S. College Ave.Fort Collins, CO 80525Phone: (970) 266-9320Fax: (303) 799-1633

American Family Insurance923 E. Prospect RoadFort Collins, CO 80525Phone: (970) 484-2881Fax: (970) 484-2945Person In Charge: Daniel BoydRichmond

American Family Insurance118 E. 29th St., Suite HLoveland, CO 80538Phone: (970) 669-1742Fax: (970) 203-0126

American Family Insurance-ScottR. Bicknell Agency Inc.1801 59th Ave., Suite 202Greeley, CO 80634Phone: (970) 330-8887Fax: (970) 330-0123E-mail: [email protected]/Services: Multi-lineinsurance.Person In Charge: Scott R. Bicknell,OwnerWeb site: www.scottrbicknellagency.com

American Family Insurance - SteveJ. Noonan Agency Inc.308 E. Fifth St.Loveland, CO 80537Phone: (970) 663-4587Fax: (970) 635-3071E-mail: [email protected]/Services: Insurance.Person In Charge: Steve Noonan,PresidentWeb site: www.stevenoonanagency.com

American General Financial Group- Agency Building Group1218 Hawkeye CourtFort Collins, CO 80525Phone: (970) 226-5566Person In Charge: Randall S. Gallu

American General Life213 Bothen RoadBerthoud, CO 80513Phone: (970) 532-0277Fax: (970) 532-0277Person In Charge: J. Arlyn Dumler

American National Insurance Co.400 E. Horsetooth Road, No. 2Fort Collins, CO 80526Phone: (970) 204-9825Fax: (970) 204-9826

American National Insurance Co.2667 Glendale DriveLoveland, CO 80537Phone: (970) 461-1860Fax: (970) 419-3192

GREELEY970-356-0123

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American National Insurance Co.150 E. 29th St., Suite 238Loveland, CO 80538Phone: (970) 461-1860Fax: (970) 613-1490Person In Charge: Bruce L. Bowman

American National Insurance Co.1400 Dover Ave.Loveland, CO 80538Phone: (970) 691-1755Fax: (970) 667-1080Web site: www.anpac.com

Anthem Blue Cross / Blue Shield3665 JFK Parkway Building 2, Suite100Fort Collins, CO 80525Web site: www.anthem.com

Assurity Life Insurance Co.925 Deerhurst CircleFort Collins, CO 80525-6919Phone: (970) 204-0703Fax: (970) 206-9082Products/Services: Life, annunitiesand replacement income protection.Person In Charge: Winfried G.Schendel

Barry Gustafson Agency Inc.1442 N. Taft Ave.Loveland, CO 80538Phone: (970) 669-9390Fax: (970) 669-9704Products/Services: All lines ofinsurance, commercial & personallines, auto loans, commercial loansand second mortgages.Person In Charge: Barry Gustafson

Berman Financial Group3545 W. 12th St., Suite 201Greeley, CO 80634Phone: (970) 475-1500Fax: (970) 475-1551E-mail: [email protected]/Services: Group healthand life insurance.

Beth Glassmeyer Insurance2629 Redwing Road, Suite 114Fort Collins, CO 80526Phone: (970) 223-5166Fax: (970) 223-8947Person In Charge: Beth M.Glassmeyer

Binstock & Tobin PC2627 Redwing Road, Suite 360-EFort Collins, CO 80526Phone: (970) 482-7665

Bischoff Insurance Agency Inc.151 S. Main St.Brighton, CO 80601Phone: (303) 659-3603

Bob Snyder Insurance Agency Inc.1135 N. Lincoln Ave., No. 2Loveland, CO 80537Phone: (970) 461-5060Fax: (970) 461-5061E-mail: [email protected]/Services: Auto, home, life,business insurance.Web site: www.lovelandinsurance.com

Bowers Insurance Agency1244 N. Lincoln Ave.Loveland, CO 80537Phone: (970) 667-7454Fax: (970) 663-5471

Brian Bergmeier2325 W. 16th St., Suite DGreeley, CO 80634Phone: (970) 353-8000Fax: (970) 353-8010Person In Charge: Scott KentPearcey

Brown & Brown of Colorado125 S. Howes St., Fifth FloorFort Collins, CO 80522Phone: (970) 482-7747Fax: (970) 484-4165E-mail: [email protected]/Services: Full linesproperty, casualty and employeebenefits.Person In Charge: George W. Alcorn,Branch managerWeb site: www.bbinsurance.com

BW Insurance Agency Inc.1075 W. Horsetooth Road, Suite 106Fort Collins, CO 80526Phone: (970) 223-0924Fax: (970) 267-2231E-mail:[email protected]/Services: Commercialproperty and casualty, life anddisability insurance and personal life.Person In Charge: Larry WilsonWeb site: www.bankofthewest.com

Carol Cowan Insurance Agency421 S. Howes St., No. 507Fort Collins, CO 80521-2868Phone: (970) 407-1445Fax: (970) 482-1890Person In Charge: Carol A. Cowan

Carothers & Vlasman PC3555 Stanford RoadFort Collins, CO 80525Phone: (970) 223-7471Fax: (970) 225-2464

Centennial Benefits Group LLC4812 S. College Ave.Fort Collins, CO 80525-3723Phone: (970) 377-6384Fax: (970) 377-6386E-mail: [email protected]/Services: Group benefitsand individual life and health.Person In Charge: Christopher J.Semmens and Jason Jarvis, BrokersWeb site: www.mycbg.com

Choice Plus Insurance2629 Redwing Road, Suite 150Fort Collins, CO 80526Phone: (970) 226-3416Fax: (970) 267-8767E-mail: [email protected]/Services: Health, life,disability, long-term care, Medicaresuppliments, accident, dental andcritical illness insurance.Person In Charge: Chris Davies, OwnerWeb site: www.choiceplusins.com

Christman Insurance Agency3780 Garfield Ave., Suite ALoveland, CO 80538Phone: (970) 669-0007Fax: (970) 669-0007

Clarion Associates226 Remington St., Suite 1Fort Collins, CO 80524Phone: (970) 419-4740Fax: (970) 493-2216

Clay Insurance Agency421 Main St., Unit BWindsor, CO 80550Phone: (970) 686-6839Fax: (970) 686-6859E-mail: [email protected]/Services: Insurance andfinancial services.Person In Charge: Christopher M.Clay Sr., AgentWeb site: www.farmers.com

Cole and Crosier PC111 Main St.LaSalle, CO 80645-3134Phone: (970) 284-5545Fax: (970) 284-5546E-mail: [email protected] In Charge: Brian Crosier andDavid Cole

Colorado Farm Bureau MutualInsurance Co.335 E. Mountain Ave.Fort Collins, CO 80524Phone: (970) 482-3952Fax: (970) 493-0297Web site: www.cfbmic.com

Colorado Farm Bureau - GreeleyOffice2525 W. 16th St.Greeley, CO 80634Phone: (970) 353-8000Fax: (970) 353-8010Person In Charge: Timothy G. Rath

Colorado Life Inc.4281 Prairie CourtWindsor, CO 80550Phone: (970) 674-9212Fax: (970) 674-9213Person In Charge: Steven W. Thoma

Complete Spectrum FinancialServices2207 Kiowa CourtFort Collins, CO 80525Phone: (970) 391-1180Fax: (970) 472-2395E-mail: [email protected]/Services: Health and lifeinsurance, retirement planning,mortgages.Person In Charge: Holly Young, FortCollins Agent and OwnerWeb site: www.complete-spectrum.com

Country Cos. Insurance2120 S. College Ave., Suite 10Fort Collins, CO 80525Phone: (970) 416-5889Fax: (970) 416-5890

Country Insurance & FinancialServices1075 W. Horsetooth Road, Suite 200Fort Collins, CO 80526Phone: (970) 221-9655Fax: (970) 221-1372Person In Charge: Brian Lacey,Agency managerWeb site: www.countryfinancial.com

Country Insurance & FinancialServices2625 Redwing Road, Suite 250Fort Collins, CO 80526-6325Phone: (970) 416-5889Fax: (970) 416-5890Person In Charge: David L. Wiegand

Crossroads Insurance Inc.119 Second Ave.Ault, CO 80610Phone: (970) 834-1337Fax: (970) 834-1393E-mail:[email protected]/Services: Independentinsurance agency specializing inagribusiness.Person In Charge: Curt Wiederspan,President

Crowfoot Insurance Agency1553 11th Ave.Greeley, CO 80631Phone: 970) 353-2291Fax: (970) 353-1269

Daniel Insurance Agency2627 Redwing Road, No. 330Fort Collins, CO 80526Phone: (970) 223-5902E-mail: [email protected]/Services: Personal,commercial, and workers’ compinsurance.Person In Charge: Carl Daniel,Owner

Dennis L. Breitbarth InsuranceAgency208 E. 29th St.Loveland, CO 80538-2742Phone: (970) 663-3790Person In Charge: Dennis L.Breitbarth

Denton Insurance Agency Inc.205 Park Lane, Suite 207Estes Park, CO 80517Phone: (970) 586-2989Fax: (970) 586-8646

Eastwood Insurance Agency1221 28th Ave.Greeley, CO 80634Phone: (970) 346-1446

Employee Benefit Plus1905 W. Eisenhower Blvd.Loveland, CO 80537Phone: (970) 679-0119

Farm Bureau Financial Services2525 W. 16th St., Suite DGreeley, CO 80634Phone: (970) 353-8000Fax: (970) 353-8010Person In Charge: Brian D. Bergmeier

Farm Bureau Insurance335 E. Mountain Ave.Fort Collins, CO 80524Phone: (970) 482-3952Fax: (970) 482-3963Products/Services: All lines of farmand ranch insurance.Person In Charge: Jim Miller, LocalagentWeb site: www.cfbmic.com

Farm Bureau Insurance Co.1067 Eagle DriveLoveland, CO 80537Phone: (970) 461-0278Fax: (907) 461-0230Person In Charge: James E. Miller

Farmers Insurance Group400 E. Horsetooth Road, No. 201-1Fort Collins, CO 80525-3189Phone: (970) 472-9600Person In Charge: Dan T. Stevens

Farmers Insurance Group161 Saturn Drive, No. 5Fort Collins, CO 80525Phone: (970) 204-0020Fax: (970) 204-0305Person In Charge: David C.Stansfield

Farmers Insurance Group901 Rocky RoadFort Collins, CO 80521-3021Phone: (970) 472-1002Fax: (970) 407-1759Person In Charge: Benjamin StewartMorgan

Farmers Insurance Group400 E. Horsetooth Road, No. 201Fort Collins, CO 80525Phone: (970) 310-7297Fax: (970) 472-9600Person In Charge: Jennifer L.Richardson

Farmers Insurance Group528 W. Mountain Ave.Fort Collins, CO 80521-2601Phone: (970) 484-8076Fax: (970) 221-1882Person In Charge: Joyce L. Schwarz

Farmers Insurance Group2225 Ouray CourtFort Collins, CO 80525-1893Phone: (970) 493-1205Fax: (970) 221-2440Person In Charge: Theodore JoeWolfe

Farmers Insurance Group1714 Topaz Drive, No. 135Loveland, CO 80537-5081Phone: (970) 593-1383Fax: (970) 593-1413Person In Charge: Kenneth LeroyHettinger

Farmers Union Insurance1127 E. Bridge St.Brighton, CO 80601Phone: (303) 659-9065Fax: (303) 659-6046E-mail: [email protected]/Services: Full-serviceinsurance agency.Person In Charge: Michael Schliep

Farmers Union Service827 11th St., Suite BGreeley, CO 80631-4019Phone: (970) 352-6448Fax: (970) 356-6939E-mail: [email protected]/Services: Broker forNational Farmers Union Insurance,serving Colorado and Wyoming.Person In Charge: Doug Frye, AgentWeb site: www.farmersunioninsurance.com

Financial Strategies of Colorado1401 S. Taft Ave., No. 210Loveland, CO 80537Phone: (970) 663-3211Fax: (970) 663-3216Person In Charge: Jaris B. Hansen

Flood & Peterson Insurance Co.4821 Wheaton DriveFort Collins, CO 80527-0370Phone: (970) 266-8710Fax: (970) 454-3252Products/Services: Agribusiness,commercial, personal, truck, grouphealth, life and employee benefitsinsurance.Person In Charge: Chris Richmond,Vice presidentWeb site: www.fpinsurance.com

Flood & Peterson Insurance Co.4687 W. 18th St.Greeley, CO 80632Phone: (970) 356-0123Fax: (970) 454-3252Products/Services: Agribusiness,commercial, personal, truck, grouphealth, life and employee benefitsinsurance.Person In Charge: WIlliam C. Bensler,PresidentWeb site: www.fpinsurance.com

Flood & Peterson Insurance Inc.211 First St.Eaton, CO 80615Phone: (970) 454-3381Fax: (970) 454-3252E-mail: [email protected]/Services: Agribusiness,commercial, personal, truck, grouphealth, life and employee benefitsinsurance.Person In Charge: Rick Jenkins,Executive vice presidentWeb site: www.fpinsurance.com

Flood & Peterson Insurance Inc.211 First St.Eaton, CO 80615Phone: (970) 454-3381Fax: (970) 454-3252Products/Services: Agribusiness,commercial, personal, truck, grouphealth, life and employee benefitsinsurance.Person In Charge: Rick Jenkins,Executive vice presidentWeb site: www.fpinsurance.com

Floyd Insurance Agency143 E. Harvard St.Fort Collins, CO 80525Phone: (970) 420-8625Fax: (970) 482-1925E-mail: [email protected]

Fort Collins Agency - Cain3665 JFK Parkway, Bldg. 1-308Fort Collins, CO 80525Phone: (970) 221-9655Fax: (970) 221-1372Person In Charge: Larry R. Cain

Fort Collins Agency -Herboldsheimer4905 W. 10th Street RoadGreeley, CO 80634Phone: (970) 221-9655Fax: (970) 221-1372Person In Charge: Ryan C.Herboldsheimer

Fort Collins Agency - Herman3665 JFK Parkway, Bldg. 1-308Fort Collins, CO 80525Phone: (970) 221-9655Fax: (970) 221-1372Person In Charge: Phillip J. Herman

Fort Collins Agency - Simnick3665 JFK Parkway, Bldg 1-308Fort Collins, CO 80525Phone: (970) 221-9655Fax: (970) 221-1372Person In Charge: James L. Simnick

Frank Sheehy PC717 16th St.Greeley, CO 80631Phone: (970) 353-3133Fax: (970) 353-1655

a Full Line of Loan Pra Full Line of Loan ProductsoductsA Full Service Bank offeringA Full Service Bank offering

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L A R I M E R C O U N T Y 2 0 0 7

STATE OF THE COMMUNITY2 007

June 14, 2007 at 11:30 amThe Ranch, First National Bank Exhibition Hall

community matters.

Presented by

what matters.™

Agilent Technologies • Bohemian Foundation • ColorPro Printing Flood & Peterson Insurance • Fort Collins Coloradoan • Goes Funeral Care and Crematory

Hewlett-Packard • Kroll Factual Data • Loveland Daily Reporter-HeraldMcWhinney Enterprises • MediaTech Productions

Northern Colorado Business Report • Sage Benefits Group • Wells Fargo

SPONSORS

Go to www.uwaylc.orgor dial 2-1-1 (970-407-7066) to

nominate someone for outstandingservice to the community, to be recognized at

the State of the Community event.

volunteer.nominate a


Freedom Care Inc.1720 W. Mulberry St., Suite BFort Collins, CO 80524Phone: (970) 498-0946

Front Range Insurance Group LLC1109 Oak Park Drive, No. 101Fort Collins, CO 80525Phone: (970) 223-1804Fax: (970) 225-6596E-mail: [email protected]/Services: Home, auto, RV,commercial, business and employeebenefits, life and health insurance.Person In Charge: John W. Bell,OwnerWeb site: www.frig.net

Glaser Insurance & Financial Services500 E. Oak St.Fort Collins, CO 80524Phone: (970) 419-0800Fax: (970) 419-0801E-mail: [email protected]/Services: Auto, home, life,health, business, workers’compensation, mutual funds, IRAs,529 college savings plan.

Glen Wall Insurance Services Inc.911 28th Ave.Greeley, CO 80634Phone: (970) 353-2020Fax: (970) 353-9224Web site: www.glenwall.com

Golden Age Benefits2019 Ninth St., Suite 6Greeley, CO 80631Phone: (970) 356-6595

Hansen1401 S. Taft Ave., No. 210Loveland, CO 80537Phone: (970) 613-9098Fax: (970) 663-3216Person In Charge: Jason P. Gollhofer

Heaberlin Insurance Agency5641 Taylor LaneFort Collins, CO 80528Phone: (970) 226-0111Fax: (970) 226-0112Person In Charge: James C. Heaberlin

Helfrich & Associates Inc1120 38th Ave., Suite 2Greeley, CO 80634Phone: (970) 353-8572Fax: (970) 353-9733E-mail: [email protected]/Services: Insurance sales.Person In Charge: Sue Helfrich,Principal agentWeb site: www.allstate.com

Herbert Leavitt Insurance AgencyInc.2537 Research Blvd., Suite 102Fort Collins, CO 80526Phone: (970) 484-0097Fax: (970) 484-7077E-mail: [email protected]/Services: Commercial andpersonal insurance sales and service;bonding.Person In Charge: Sally Herbert,Vice presidentWeb site: www.herbert-leavitt.com

Herbert Leavitt Insurance AgencyInc.275 S. Main St., No. 208Longmont, CO 80501Phone: (303) 939-9921Fax: (303) 939-9926E-mail: [email protected]/Services: Independentinsurance agency; property, casualty,business and personal insurancesales. Group health, individual life,mortgages.Person In Charge: Sally HerbertWeb site: www.herbert-leavitt.com

Howell Agency LLC816 S. College Ave.Fort Collins, CO 80524-3302Phone: (970) 482-2200Fax: (970) 482-2427Person In Charge: Larry L. Howell

HSA for America2261 Shawnee CourtFort Collins, CO 80525Phone: (800) 707-9849Fax: (866) 284-0082Products/Services: Individual andfamily health insurance plans,including plans qualified to work withhealth savings accounts (HSAs).

Insurance Associates of Estes Inc.363 E. Elkhorn Ave., Suite 201Estes Park, CO 80517Phone: (970) 586-4407Fax: (970) 586-3370E-mail: [email protected]/Services: Insurance fornatural disasters, loss ofincome/business interruption,transportation and truckers, property,business automobile, machinery.Person In Charge: Shelly Doggett,Agent and OwnerWeb site: www.insurance-associates.com

Insurance Management Services Inc311 S. College Ave.Fort Collins, CO 80524Phone: (970) 282-7400Fax: (970) 282-0704

Insurance Specialities of FortCollins148 W. Oak St.Fort Collins, CO 80524Phone: (970) 490-1530Fax: (970) 495-6769

Insurance Unlimited Agency ofLoveland Inc.2121 N. Lincoln Ave.Loveland, CO 80538Phone: (970) 669-1069Fax: (303) 772-0256

Integra Insurance3008 Avena CourtFort Collins, CO 80528Phone: (970) 217-3273Products/Services: Health and lifeinsurance.

Integrated Benefits Co. Inc.1336 Oakridge Drive, No. 100Fort Collins, CO 80525-5564Phone: (970) 484-5073Fax: (970) 484-9271Person In Charge: Lowell A. Volk

J-9 Crop Insurance Agency LLC216 First St.Ault, CO 80610Phone: (970) 834-1160Fax: (970) 834-0348E-mail: [email protected]/Services: Crop insurance.Person In Charge: Janine Freemanand Mike Freeman, Owners

John C. Beckett & Associates Inc.220 Smith St.Fort Collins, CO 80524-2942Phone: (970) 484-2805Fax: (970) 484-2885E-mail: [email protected]/Services: Business andpersonal lines insurance and bonds.Person In Charge: Tim Beckett,PresidentWeb site: www.beckettinsurance.com

Johnson & Associates Inc.155 W. Harvard St., Suite 401Fort Collins, CO 80525-5200Phone: (970) 223-1922Fax: (970) 223-2875Person In Charge: Jeremy M. Hart

Johnson-Bruen & Associates155 W. Harvard St., Suite 401Fort Collins, CO 80525Phone: (970) 223-1922 x12Fax: (970) 223-2875Person In Charge: Sherri L. Smith

Johnson-Bruen & Associates155 W. Harvard St., Suite 401Fort Collins, CO 80525Phone: (970) 223-1922Fax: (970) 223-2875Person In Charge: Charles J.Rutenberg

Johnson-Bruen & Associates5151 W. 29th St., No. 1806Greeley, CO 80634Phone: (970) 223-1922Fax: (970) 223-2875Person In Charge: Rondy D. Platz

Kansas City Life Insurance Co.126 W. Harvard St., No. 3Fort Collins, CO 80525-2142Phone: (970) 226-4314Fax: (970) 226-1559E-mail: [email protected] In Charge: Edward GeorgeVojensky Jr.

Kiskis Insurance Agency Inc.383 W. Drake Road, Suite 202Fort Collins, CO 80526Phone: (970) 207-0600Person In Charge: Joyce Kiskis,Owner

Kissock & Cram Inc.2427 S. College Ave., Suite A1Fort Collins, CO 80524Phone: (970) 226-3898Fax: (970) 226-3929

Klipp Insurance2930 W. Stuart St., No. 7Fort Collins, CO 80526Phone: (970) 381-8973Fax: (970) 472-9556Person In Charge: Jason D. Klipp,Owner

Lacock Insurance Agency417 S. Howes St.Fort Collins, CO 80524Phone: (970) 223-7432Fax: (970) 225-6490

Larimer County Farm Bureau335 E. Mountain Ave.Fort Collins, CO 80524Phone: (970) 482-3952Fax: (970) 482-3963Person In Charge: Susan Weaver,President

LBN Insurance Agency1614 Oakridge Drive, No. AFort Collins, CO 80525Phone: (970) 229—9304Fax: (970) 229-1398Products/Services: Commercialinsurance, surety bonding andpersonal lines of insurance.Person In Charge: Mike Pierce,ManagerWeb site: www.lbninsurance.com

LBN Insurance Agency3456 W. 20th St., Suite 224Greeley, CO 80634Phone: (970) 667-6159Fax: (970) 356-4088Person In Charge: Mellissa AdamsWeb site: www.lbninsurance.com

Leary Insurance Agency - Farmers729 Main St.Windsor, CO 80550Phone: (970) 686-6555Fax: (970) 686-6556Products/Services: Insurance andfinancial services, specializing incommercial and workers’ comp.Person In Charge: William Leary

Liberty Mutual Insurance Co.712 Whalers Way, Suite A200Fort Collins, CO 80525Phone: (970) 472-1450

Liles Agency8352 Louden CircleFort Collins, CO 80528Phone: (305) 770-3000Fax: (305) 770-1900Person In Charge: Randall S.Greenfield

Linda Horton State Farm InsuranceCo.1069 Olive St.Fort Collins, CO 80524Phone: (970) 482-1936Fax: (970) 498-0773Person In Charge: Linda Horton

Linden, Bartels & Noe InsuranceAgency LLC3459 W. 20th St., Suite 224Greeley, CO 80634Phone: (970) 356-1133Fax: 970-356-4088E-mail: [email protected]

LBN Insurance Agency of NorthernColorado1614 Oakridge DriveFort Collins, CO 80525Phone: (970) 229-9304Fax: (970) 229-1398Products/Services: Bonds, buildersrisk, business insurance, farm/ranch,general liability, homeowners,personal auto, professional, umbrellaliability, workers compensation.Person In Charge: Mike Pierce,Managing memberWeb site: www.lbninsurance.com

Littjohann & Pederson2627 Redwing RoadFort Collins, CO 80526Phone: (970) 223-6961Fax: (970) 223-6962

Lutheran Brotherhood154 E. 29th St.Loveland, CO 80538Phone: (970) 613-1505Fax: (970) 225-0844Person In Charge: Steven L. Nelson

Luttes Farmers Insurance Agency435 Mountain Ave.Berthoud, CO 80513Phone: (970) 532-7898Fax: (970) 532-7898Person In Charge: Rachelle R. Luttes

Marty J. Moad Insurance Agency1401 E. Douglas RoadFort Collins, CO 80524-1706Phone: (970) 223-6414Fax: (970) 223-6503Person In Charge: Marty J. Moad

MetLife Financial Services1901 56th Ave., No. 100Greeley, CO 80634Phone: (970) 330-2200Fax: (970) 667-6828Person In Charge: Richard Beckey

Michael Haines Agency4812 S. College Ave.Fort Collins, CO 80525Phone: (970) 267-8646E-mail: [email protected]/Services: ANPACinsurance products, focusing oncoverage, cost, claims and customerservice.Web site: www.anpac.com

Moad and Associates2627 Redwing Road, No. 260Fort Collins, CO 80526Phone: (970) 204-0276

MONY Life Insurance Co.P.O. Box 94Fort Collins, CO 80522-0094Phone: (970) 484-0908Person In Charge: John M. Shields

Mutual of Omaha Insurance Co.1613 Pelican Lakes PointWindsor, CO 80550Phone: (303) 651-6285Person In Charge: Doug O’Connell

Myron Lindgren2903 Aspen Drive, Suite CLoveland, CO 80538-2545Phone: (970) 669-3610Fax: (970) 669-3715

Nero Agency4025 Automation Way, No. C4Fort Collins, CO 80525Phone: (970) 377-2070Fax: (970) 377-1983Person In Charge: Krista R. Nero

New York Life1063 W. Horsetooth Road, Suite 100Fort Collins, CO 80525Phone: (970) 266-7520Fax: (970) 266-1085Products/Services: Insurance andfinancial services.

New York LifeP.O. Box 155Loveland, CO 80539Phone: (970) 266-7452Fax: (970) 266-7545Person In Charge: Cynthia J. Guldy

New York Life Insurance Co.533 Big Thompson Ave., Suite 102Estes Park, CO 80517Phone: (970) 577-1095Fax: (970) 586-4050E-mail: [email protected]/Services: Financial andinsurance services.Person In Charge: Marcia Predmore

Northwestern Mutual FinancialNetwork375 E. Horsetooth Road, Bldg. 4, No. 102Fort Collins, CO 80525-3155Phone: (970) 225-3442Fax: (970) 226-5036E-mail: [email protected]/Services: Life insurance,disability, long-term care,investments, group benefits.Person In Charge: Ryan E. Yoder,Managing directorWeb site: www.nmfn.com/thefortcollinsgroup

Northwestern Mutual FinancialNetwork2114 N. Lincoln Ave., Suite 108BLoveland, CO 80538-3858Phone: (970) 669-5688Fax: (970) 613-8647Person In Charge: Karl G. Hagman

Ohio National4703-B Boardwalk Drive, Suite 2Fort Collins, CO 80525Phone: (970) 223-4323Fax: (970) 223-6825Person In Charge: James R. Fenner

Ohio National1401 S. Taft Ave., Suite 210Loveland, CO 80537Phone: (970) 663-3211Fax: (970) 663-3216Person In Charge: Brandon M. Hansen

One Stop Insurance Shops LLP1630 S. College Ave.Fort Collins, CO 80526Phone: (970) 482-8200Fax: (970) 225-9828

Oschmann Agency121 E. Swallow Road, No. 115Fort Collins, CO 80525Phone: (970) 484-3200Fax: (970) 484-3210Person In Charge: Chad Oschmann

Payne Agency1714 Topaz Drive, No.135Loveland, CO 80537Phone: (970) 691-5145Fax: (970) 593-1413Person In Charge: Kendall HanlonPayne

Perrin Insurance Services1629 W. Eighth St.Loveland, CO 80537Phone: (970) 669-9776Fax: (970) 669-9818

Pinnacol Assurance Co.7501 E. Lowry Blvd.Denver, CO 80230Phone: (303) 361-4000Fax: (303) 782-4196Person In Charge: Gary J. Pon, CEOand PresidentWeb site: www.pinnacol.com

Portamedic233 Triangle DriveFort Collins, CO 80525-7063Phone: (970) 225-2770Fax: (970) 669-1190

Pratkelis Insurance1140 Manford Ave.Estes Park, CO 80517Phone: (970) 586-5368Fax: (970) 586-9533

Prudential Insurance343 W. Drake RoadFort Collins, CO 80526Phone: (970) 223-5561Fax: (970) 223-6503

Prudential Insurance156 E. 29th St.Loveland, COPhone: (970) 669-0647

Raider Insurance211 E. 7th St.Loveland, CO 80537Phone: (970) 667-9227Fax: (970) 203-0813

Ray Dixon Agency907 30th Ave.Greeley, CO 80631Phone: (970) 356-1919Fax: (970) 356-4603E-mail: [email protected]/Services: Insurance.Person In Charge: Ray Dixon, Owner

B U S I N E S S • P R O P E RT Y • L I A B I L I T Y • A U T O • W O R K C O M P

RENAISSANCE INSURANCE GROUP, LLC.631 BIRCH ST., UNIT D, WINDSOR, CO 80550

(970) 674-8825 • www.RenInsurance.com

L to R: Jay Helzer, Melody Wagy, Scott Runyan, Mari Bredemeier, Brian Bobier, Brianne Danielson, Ryan Hicks

Mike TarantinoRegistered Representative303 E. Mountain Ave.Fort Collins, CO 80524(970) 292-0105

Call us today for a free, thorough portfolio review.

Investment Centers of America, Inc. (ICA), member NASD, SIPC, and a Registered Investment Advisor is not affiliated with Home State Bank. Securities, advisory services and insurance products offered through ICA and affiliated insurance agencies are *not insured by the FDIC or any other Federal Government agency *not a deposit or other obligation of, or guaranteed by any bank or their affiliates *subject to risks including the possible loss of principal amount invested.

Conveniently located at:

Are your investments aligned with your life goals?

Years of successful investing experience has taught us theimportance of life planning, not simply investment planning.


Renaissance Insurance Group LLC631 Birch St., Suite DWindsor, CO 80550Phone: (970) 674-8825Fax: (970) 674-8826E-mail: [email protected]/Services: Independentinsurance agency representingnumerous A rated insurance carriers.Servicing all lines of commercial andpersonal insurance.Person In Charge: Jay Helzer andRyan Hicks, Managing membersWeb site: www.reninsurance.com

Robbins Family Insurance Agency1520 E. Mulberry St., No. 150Fort Collins, CO 80524Phone: (970) 493-4393Fax: (970) 493-4181Person In Charge: William L. RobbinsJr.

Rocky Mountain Insurance4010 Platte DriveFort Collins, CO 80526Phone: (970) 266-1700Fax: (970) 266-1273Person In Charge: Ryan M. Behm

Rodahl & Co. LLC2038 Vermont Drive, #101Fort Collins, CO 80525Phone: (970) 207-0747Fax: (970) 207-0753E-mail: [email protected] In Charge: Dean Rodahl

Ronald Rutz Insurance Agency2625 Redwing RoadFort Collins, CO 80526Phone: (970) 223-8388Person In Charge: Ronald W. Rutz

S. Frank Driver Insurance Agency322 Pearl St.Fort Collins, CO 80521-1740Phone: (970) 482-9690Person In Charge: S. Frank Driver

Safeco Insurance Co. of AmericaSafeco PlazaSeattle, WA 98185Phone: (206) 545-5000Fax: (206) 545-5995Person In Charge: Mike McGavick,Chairman, President and CEOWeb site: www.safeco.com

Safety & Health Alliance Inc.405 Eighth St., Suite 9Loveland, CO 80537Phone: (970) 635-2322Products/Services: Safety trainingand consulting for medical, healthand general industry.Person In Charge: Cynthia A. Fronk

Sanders & Associates155 W. Harvard St., Suite 401Fort Collins, CO 80525Phone: (970) 223-8809Fax: (970) 223-6763Products/Services: Health, life,disability, dental, long-term care,medicare, prescriptions for medicare.Person In Charge: Craig V. SandersWeb site: www.healthandlifequote.com

Sanders Insurance5 N. Main St.Brighton, CO 80601-1624Phone: (303) 659-5200Fax: (303) 659-5200E-mail: [email protected]

Security Financial Life5254 Cornerstone DriveFort Collins, CO 80528Phone: (970) 223-1922Fax: (970) 226-2875Person In Charge: Barbara Jo Bruen

Security Financial Life155 W. Harvard St.Fort Collins, CO 80525Phone: (970) 223-1922Fax: (970) 223-2875Person In Charge: Daniel B. Johnson

Security Mutual740 Cleveland Ave., Suite BLoveland, CO 80537Phone: (970) 669-3397Fax: (970) 669-3401Person In Charge: Glenn O. Wilson

Shelter Insurance / VaughanAgency Inc.220 W. Prospect Road, Suite CFort Collins, CO 80526Phone: (970) 484-7505Fax: (970) 484-4311E-mail: [email protected]/Services: Auto, property,life insurance and bank products.Person In Charge: Angela Vaughan,PresidentWeb site: Shelterinsurance.com

Shelter Insurance Cos.1518 N. Madison Ave., Unit ELoveland, CO 80538Phone: (970) 669-7259Fax: (970) 613-1056Person In Charge: Gene O. Welch

Shelter Insurance Cos.1190 W. Ash St., Suite AWindsor, CO 80550Phone: (970) 674-8757Fax: (970) 686-6371Person In Charge: Larry V. Lawrence

Shelter Life Insurance Company4020 S. College Ave., No. 9Fort Collins, CO 80525-3064Phone: (970) 226-5552Person In Charge: Bruce P. Johnson

Shelter Life Insurance Company4020 S. College Ave., No. 10Fort Collins, CO 80525-3064Phone: (970) 226-5552Fax: (970) 226-4362Person In Charge: John H. Miller

Shirazi & Associates Insurance1770 25th Ave., No. 302Greeley, CO 80634Phone: (970) 356-5151Fax: (970) 356-5154E-mail: [email protected]

Skies West Insurance Agency Inc.2601 S. Lemay Ave., No. 38Fort Collins, CO 80525Phone: (970) 223-7611

Snyder Insurance Agency1135 N. Lincoln Ave.Loveland, CO 80521Phone: (970) 461-5060Fax: (970) 461-5061Person In Charge: Robert E. Snyder

State Farm Insurance1124 W. Mulberry St.Fort Collins, CO 80521Phone: (970) 493-2196Fax: (970) 221-5478E-mail: [email protected]/Services: Life, fire, auto,financial services.Person In Charge: Daryl Alexander,AgentWeb site: www.statefarm.com

State Farm Insurance Co.1555 Promontory CircleGreeley, CO 80638Phone: (970) 395-5150Fax: (970) 395-5424E-mail:[email protected]/Services: Auto, home, life,health, business insurance andbanking.Person In Charge: Dave Gonzales Sr.vice presidentWeb site: www.statefarm.com

State Farm Insurance Cos.1630 S. College Ave.Fort Collins, CO 80525Phone: (970) 484-9700Fax: (970) 484-9766Person In Charge: David E. Dilley

State Farm Insurance Cos.1318 S. College Ave.Fort Collins, CO 80524-4114Phone: (970) 493-9336Fax: (970) 493-9357Person In Charge: Mary M. Biggers

State Farm Insurance Cos.1300 Oakridge Drive, No. 100Fort Collins, CO 80525-6213Phone: (970) 223-9400Person In Charge: Bradley D.Bischoff

State Farm Insurance Cos.4619 S. Mason St., C-2Fort Collins, CO 80525Phone: (970) 223-7254Fax: (970) 226-3195Person In Charge: Bob Sanderson

State Farm Insurance Cos.1292 Main St., Unit 6Windsor, CO 80550Phone: (970) 674-0937Fax: (970) 674-0941Person In Charge: Scott M. Harper

Steve Dugger Agency404 W. 67th St.Loveland, CO 80538Phone: (970) 667-8080Fax: (970) 667-8081Person In Charge: Stephen W.Dugger

Stevens Insurance Agency2921 Raymond DriveLoveland, CO 80538Phone: (970) 622-0441

Stevens Insurance AgencyP.O. Box 27-4012, No. 4Wellington, CO 80549Phone: (970) 568-0980Fax: (970) 568-0979Person In Charge: Travis Stevens

Swanty Insurance Agency Inc.1402 W. 28th St., No. 2Loveland, CO 80538-3101Phone: (970) 667-9133Fax: (970) 669-4692Person In Charge: Jeffrey M. Swanty

The Craig C. Campbell Agency Inc.262 E. Mountain Ave.Fort Collins, CO 80524Phone: (970) 484-1400Fax: (970) 484-9018E-mail:[email protected]/Services: Property andcasualty, life, commercial, variableproducts. Farmers Insuranceproducts.Person In Charge: Craig Campbell,President

The Heien Agency Inc.806 McGraw DriveFort Collins, CO 80526Phone: (970) 227-4022Fax: (970) 226-5148Person In Charge: Steve A. Heien

The Principal Financial Group320 W. Olive St.Fort Collins, CO 80521Phone: (970) 224-2500Fax: (970) 224-2500Person In Charge: Roger P. Shea

Thompson & Associates1136 E. Stuart St.Fort Collins, CO 80525Phone: (970) 493-5150Fax: (970) 490-1308

Thrivent Financial for Lutherans1812 56th Ave., Suite A,Greeley, CO 80634Phone: (970) 330-7411Fax: (970) 330-7424E-mail: [email protected]/Services: Life insurance,health insurance, long-term careinsurance, mutual funds, annuities,investments, financial planning,estate planning, retirementdistribution planningPerson In Charge: Daniel L. Austin,Senior financial consultantWeb site: www.thrivent.com

Trozan Insurance Agency Inc.421 Stover St.Fort Collins, CO 80521Phone: (970) 224-5500Person In Charge: Peter Trozan,Owner

Union Central Life Insurance Co.1936 Kedron CourtFort Collins, CO 80524-2255Phone: (970) 482-6909Person In Charge: Myron M. Braden

Union Colony Insurance1218 Eighth Ave.Greeley, CO 80631Phone: (970) 352-9500Fax: (970) 352-9206E-mail: [email protected]/Services: Full-serviceinsurance agency specializing infarms, commercial and personalinsurance.Person In Charge: Chuck Zieman,Owner

US-Reports Inc.5802 Wright DriveLoveland, CO 80538Phone: (800) 223-2310Fax: (970) 593-9881E-mail: [email protected]/Services: Provider ofpremium audits, loss controlinspections & environmental siteassessment reports for the insuranceand financial industries.Web site: www.us-reports.com

Vande Walle Insurance Agency*2230 Clydesdale DriveFort Collins, CO 80526Phone: (970) 482-4814Fax: (970) 493-2880E-mail: [email protected]/Services: Specializing inhealth, life, disability and Aflacproducts.Person In Charge: Sandy VandeWalle, OwnerWeb site:* Purchased Marie De Wolfe Agency

Waite Insurance Agency400 E. Horsetooth RoadFort Collins, CO 80525Phone: (970) 472-9600Fax: (970) 472-9536Person In Charge: James P. Waite

Weedin Agency Inc.235 Welch Ave.Berthoud, CO 80513Phone: (970) 532-3131Fax: (970) 532-3100E-mail:[email protected] In Charge: Lawrence Weedin,OwnerWeb site: www.sr-22colorado.com

Weedin Agency Inc.1601 E. Eisenhower Blvd.Loveland, CO 80537-3929Phone: 970) 667-2145Fax: (970) 669-9295E-mail: [email protected]

Welch Insurance Agency2627 Redwing Road, No. 260Fort Collins, CO 80526Phone: (970) 377-9420Fax: (970) 377-9517Person In Charge: Jason E. Welch

Weld County Farm BureauInsurance Inc.2205 First Ave.Greeley, CO 80631Phone: (970) 353-8000Fax: (970) 352-7272Products/Services: Offersagricultural and other policies.

Welsh Insurance Agency Inc.2019 W. Ninth St.Greeley, CO 80631Phone: (970) 356-7500Fax: (970) 356-6717

William E. Penoyer InsuranceAgency509 Dennison CourtFort Collins, CO 80526Phone: (970) 266-9736Fax: (970) 266-9792Person In Charge: William E. Penoyer

William Lacock Insurance AgencyInc.181 W. Boardwalk Drive, No. 14Fort Collins, CO 80525Phone: (970) 223-7432Fax: (970) 282-8848Person In Charge: William HodgeLacock, Owner

Investment Advisers

A.G. Edwards & Sons Inc.363 Elkhorn Ave., Suite 301Estes Park, CO 80517Phone: (970) 586-2469Fax: (970) 586-5124E-mail: [email protected]/Services: Financialconsultants and stock brokers.Person In Charge: Debra Grill,Branch managerWeb site: www.agedwards.com

A.G. Edwards & Sons Inc.2900 College Ave., Suite 2BFort Collins, CO 80525Phone: (970) 223-4800Fax: (970) 223-2851E-mail:[email protected] In Charge: Tom Mapp, BranchmanagerWeb site: www.agedwards.com

A.G. Edwards & Sons Inc.1200 Laporte Ave.Fort Collins, CO 80521Phone: (970) 416-7465

A.G. Edwards & Sons Inc.710 11th Ave.Greeley, CO Phone: (970) 351-8700Fax: (970) 351-8951Web site: www.agedwards.com

A.G. Edwards & Sons Inc.1073 N. Lincoln Ave.Loveland, CO 80537Phone: (970) 669-8200Fax: (970) 669-8282E-mail:[email protected]/Services: Full service.Person In Charge: Charles Bouchard,Branch managerWeb site: www.agedwards.com

AIG Financial Advisors1270 Automation Dr., Suite. 500Windsor, CO 80550Phone: (970) 482-4911Fax: (970) 482-4912E-mail: [email protected] In Charge: Peter Jochems,PresidentWeb site: www.aig.com

AIG VALIC2625 Redwing Road, Suite 110Fort Collins, CO 80526Phone: (970) 266-4200Fax: (970) 266-4210

Aigean Financial2629 Redwing RoadFort Collins, CO 80526-6330Phone: (970) 229-0930Fax: (970) 229-0212Person In Charge: Robert D. Deakin

Allstate Financial Services7791 Highland Meadows Parkway, No. CFort Collins, CO 80528Phone: (970) 377-8091Person In Charge: Michael E. Fassi

Allstate Financial Services2803 County Fair LaneFort Collins, CO 80528Phone: (970) 223-1332Fax: (970) 226-6991Person In Charge: Rodney J. Olsen

Allstate Financial Services9505 Weld County Road 84Fort Collins, CO 80524Phone: (970) 223-1332Fax: (402) 438-5325Person In Charge: James D. Swett

Allstate Financial Services LLC1630 25th Ave., Suite KGreeley, CO 80634Phone: (800) 748-1066Fax: (970) 356-9384E-mail: [email protected] In Charge: Lee Johnson,OwnerWeb site:www.allstate.com/agent070693

Your personal financial advisor from Waddell & Reed can answer your questions andguide you through a step-by-step process to create a plan specifically tailored to yourfamily’s needs and goals. With a plan in place, and theright mix of investments, you’ll be planning to win.

We’ve been providing sound advice and solid investmentproducts for more than 65 years. Call Waddell & Reedand we’ll help you get started.

Member SIPC waddell.com

2850 McClelland Dr. Ste. 2600Fort Collins, CO 80525

970-226-5800

Got Financial Questions?How can I reach my financial goals?Roth or regular IRA?How much will I need to retire?What kind of investments should I have?

Get Personalized Answers.

Order yours on disc TODAY!

970-484-8806

412 West Mountain AvenueFort Collins, CO 80521

Securities products offered through Wachovia Securities Financial Network, LLC(WSFN), Member NASD & SIPC.

DunnHogerty Investment Consulting, Inc. is a separate entity from WSFN.

DunnHogertyInvestment Consulting, Inc.


Allstate Insurance - JamesMichalka Agency363 W. Drake Road, No. 1Fort Collins, CO 80526Phone: (970) 233-1332Fax: (970) 226-6991E-mail: [email protected]/Services: Personal andbusiness insurance services.Person In Charge: James I. Michalka,Agency principalWeb site: http://agent.allstate.com/JamesMichalka/Welcome/

Ameri Quote Insurance & FinancialServices419 Canyon Ave., Suite 222Fort Collins, CO 80521Phone: (970) 221-1141Fax: (970) 482-3282E-mail: [email protected]/Services: Independantbrokerage, licensed with all major “A”rated companies, specially designedto meet the needs of all types ofpeople.Person In Charge: Jack P. Krier,PresidentWeb site: www.ameriquote.biz

Ameriprise Financial2627 Redwing Road, Suite 105Fort Collins, CO 80526Phone: (970) 223-4400Fax: (970) 223-0283E-mail: [email protected]/Services: Certifiedfinancial planner practitioner.Person In Charge: William C.ReynoldsWeb site: www.ameripriseadvisors.com/william.c.reynolds

AXA Advisors LLC1608 Foxbrook WayFort Collins, CO 80526Phone: (970) 481-5273Person In Charge: Matt Phillips

AXA Advisors LLC1136 E. Stuart St., Suite 4205Fort Collins, CO 80525-1193Phone: (970) 484-8626Fax: (970) 484-8627Person In Charge: Michael J.Bertolette

AXA Advisors LLC702 W. Drake Road, Bldg. DFort Collins, CO 80526Phone: (970) 224-2800Fax: (970) 224-2787Person In Charge: John Heddens

AXA Advisors LLC1315 Oakridge Drive, Suite 120Fort Collins, CO 80525Phone: (970) 204-9275E-mail: [email protected]/Services: Financialplanning, investment advising,insurance solutions including life,disability, long-term care.Person In Charge: Matt PhillipsWeb site: www.axaonline.com

Beall Investment Services LLC14605 Weld County Road 21Platteville, CO 80651Phone: (970) 785-1101Fax: (970) 785-2890E-mail: [email protected]/Services: Full-servicebrokerage firm that offers a widerange of customized services,including market information,fundamental research and technicalanalysis.Person In Charge: Rex Beall, OwnerWeb site: www.beallinvestments.com

Burrill Financial ServiceP.O. Box 143Fort Collins, CO 80522-0143Phone: (970) 221-2492Fax: (970) 221-3201Person In Charge: Donna J. Burrill

CapWest Securities Inc.1821 56th Ave.Greeley, CO 80634Phone: 970-353-7122Fax: 970-346-0070E-mail: [email protected] In Charge: Dale HallWeb site: capwestsec.com

Cascade Financial ManagementInc.No. 19 Old Town Square, Suite 238Fort Collins, CO 80524Phone: (970) 482-0990Fax: (970) 482-4262E-mail: [email protected] In Charge: John Clagett,Senior financial consultantWeb site: www.cascade-inc.com

Central Discount Stockbrokers Inc.4025 Automation Way, Bldg. D-3Fort Collins, CO 80525Phone: (970) 223-4164Fax: (970) 223-0314E-mail: [email protected] In Charge: Charles Gogela,PresidentWeb site: www.cdstockers.com

Chapel & Collins LLC375 E. Horsetooth Road, Bldg. 4, Suite201Fort Collins, CO 80525Phone: (970) 204-1376Fax: (970) 207-9701E-mail: [email protected] In Charge: Donna RendonChapel and Dennis Collins, PartnersWeb site: www.chapelcollins.com

Charles Schwab & Co. Inc.123 N. College Ave., No. 200Fort Collins, CO 80524Phone: (970) 212-4717Fax: (970) 482-5496E-mail: [email protected]/Services: Financialservices, online trading, advice andbanking.Person In Charge: Stuart OlsenWeb site: www.schwab.com

Colorado Diversified Trust215 W. Oak St.Fort Collins, CO 80521Phone: (970)493-8195Fax: (970) 493-7419E-mail: [email protected]/Services: Investmentmanagement services for the publicfund investor.Person In Charge: Cathy Schott, Vicepresident

Colorado Financial Management Inc.1035 37th Avenue CourtGreeley, CO 80634Phone: (970) 660-8410Fax: (970) 667-6406

D.A. Davidson2020 Lowe St., Suite 200Fort Collins, CO 80525Phone: (970) 282-3870E-mail: [email protected]

DunnHogerty InvestmentConsulting Inc.412 W. Mountain Ave.Fort Collins, CO 80521Phone: (970) 484-8806Fax: (970) 484-0997E-mail:[email protected] In Charge: Dennis Hogerty;Jerry Dunn and Thad Dunn, PartnersWeb site: www.dunnhogerty.wbsec.com

Eagle Mountain Wealth Management205 Fourth St.Windsor, CO 80550Phone: (970) 686-6733Fax: (970) 686-6731Person In Charge: Cynthia J. Petersen

Edward Jones Investments172 N. College Ave., Suite BFort Collins, CO 80524Phone: (970) 484-2280Fax: (866) 444-6170E-mail:[email protected]/Services: Financialplanning, stocks, bonds, mutual funds,privately managed accounts, cds.Person In Charge: Laura Arbury,Tom Bertsch and Jim WeddleWeb site: www.edwardjones.com

Edward Jones Investments300 E. Horsetooth Road, Suite 100Fort Collins, CO 80525Phone: (970) 223-9929Fax: (970) 222-0490Products/Services: Insurance,retirement plans and collegeplanning.Web site: www.edwardjones.com

Edward Jones Investments910 54th Ave., Suite 220Greeley, CO 80634Phone: (970) 352-4549Fax: (888) 339-6571Products/Services: Insurance,retirement plans and collegeplanning.Person In Charge: Kim Larson,Investment representativeWeb site: www.edwardjones.com

Edward Jones Investments525 N. Cleveland Ave.Loveland, CO 80537Phone: (970) 669-3820Fax: (970) 669-1551Products/Services: Insurance,retirement plans and collegeplanning.Web site: www.edwardjones.com

Edward Jones Investments, BIXPO3025 N. Taft Ave., Suite BLoveland, CO 80537Phone: (970) 663-2352Fax: (866) 560-3622Products/Services: Individualretirement plans, business retirementplans, annuities, educational savings,fixed income investments, insurance,mutual funds, equity investments andfinancial calculatorsPerson In Charge: ChristopherCollins, Investment representative;Melanie Collins and Juanita Burke,Branch office manager

Farm Bureau Financial Services1067 Eagle DriveLoveland, CO 80538Phone: (970) 461-0278Fax: (970) 461-0277E-mail: [email protected] In Charge: Holly DiedrichWeb site: www.fbfs.com

Farmers Financial Services1500 Bayberry CourtFort Collins, CO 80524Phone: (970) 218-1080Fax: (970) 593-1413Person In Charge: Nathan A. Pierce

Finance by Design Inc.123 N. College Ave., Suite 200Fort Collins, CO 80524Phone: (970) 212-4720Fax: (866) 446-5407E-mail: [email protected] site: www.financebydesign.com

Financial Design & Management Inc.401 West Mountain Ave., Suite 100Fort Collins, CO 80521Phone: 970-490-2033Fax: 970-416-0314E-mail: [email protected]/Services: Investmentadvisory financial PlanningPerson In Charge: Mark Kornblau,President

Financial Integrity Design11363 W. Stuart St.Fort Collins, CO 80521Phone: (970) 407-1807

Financial Integrity Design1136 E. Stuart St., Suite 4204Fort Collins, CO 80525Phone: (970) 407-1807Fax: (970) 482-3388Person In Charge: Jon Lance Hunt

Financial Network InvestmentCorp.700 Whalers WayFort Collins, CO 80525Phone: (970) 416-5252

Financial Strategies of Co.1401 S. Taft Ave, No. 210Loveland, CO 80537Phone: (970) 663-3211Fax: (970) 663-3216Person In Charge: Gary W. Hansen

Financial West Group1630 25th Ave.Greeley, CO 80631Phone: (970) 352-0009Fax: (970) 352-2851Person In Charge: Hugh WarrenWeb site: www.fwg.com

First Allied Securities2500 Bedford CourtFort Collins, CO 80526Phone: (970) 377-3570Fax: (970) 377-0167E-mail: [email protected] In Charge: Michael Hall,Branch managerWeb site: www.firstallied.com

First Financial Center1024 Centre Ave., Bldg. EFort Collins, CO 80526-1849Phone: (410) 668-2565Fax: (970) 484-5206Person In Charge: Rick VanVleet

First Financial Centre Inc.1024 Centre Ave.Fort Collins, CO 80526Phone: (970) 484-1875

First National Bank Investmentand Planning*205 W. Oak St.Fort Collins, COPhone: (970) 419-5703Fax: (970) 495-1238Products/Services: Investmentservices.Person In Charge: Kevin McNaught,Senior financial consultant* Was Investment One.

First National Bank InvestmentManagement & Trust215 W. Oak St.Fort Collins, CO 80521Phone: (970) 495-1293Fax: (970) 493-7419E-mail: [email protected]/Services: Lifestylefinancial managers with investmentmanagement, employee retirementplan, trust and estate services.Person In Charge: Jack B. Wolfe,Executive vice presidentWeb site: www.1stnationalbank.com

First Union Small Business Capital419 Canyon Ave., Suite 300Fort Collins, CO 80521Phone: (970) 484-5478Fax: (970) 484-5892Person In Charge: Darcy Purvis,Business development managerWeb site: www.firstunion.com

Fort Collins Mortgage andInvestments144 N. Mason, Unit 5Fort Collins, CO 80524Phone: (970) 484-5626Fax: (970) 484-1180

Gillis Financial Solutions Inc.333 W. Drake Road, Suite 121Fort Collins, CO Phone: (970) 225-2001Fax: (970) 225-2095

Goodwin Financial Service3534 JFK ParkwayFort Collins, CO 80525Phone: (970) 223-2377

GreenGrove Financial LLC2214 Franklin RoadFort Collins, CO 80524Phone: (970) 482-5007Fax: (970) 224-1757E-mail: [email protected] In Charge: Kathy CosgroveGreen, Owner

Investment Centers of America Inc.303 E. Mountain Ave.Fort Collins, CO 80524Phone: (970) 292-0105Fax: (970) 224-4180E-mail: [email protected] In Charge: Michael TarantinoWeb site: www.investmentcenters.com

Investment Centers of America Inc.1801 59th Ave.Greeley, CO 80634Phone: (970) 353-0047Fax: (970) 353-0433E-mail:[email protected] In Charge: Paul AndreWeb site:www.investmentcenters.com

Investment Centers of America Inc.935 N. Cleveland Ave.Loveland, CO 80537Phone: (970) 669-9720Fax: (970) 613-2181E-mail:[email protected] In Charge: Paul HummelWeb site:www.investmentcenters.com

Say Hello to Kay LuftManager of our new Windsor branch and Windsor resident

Think big Bank small

If you live or work in Windsor, we've opened a new branch just for you.Look for us in the Ptarmigan Business Park at the northeast corner of Hwy 392 at I-25.

Home State is a financial powerhouse, but we're also a community bank through and through. Locally owned, and locally focused. When you walk in our front door, you'll feel right at home.

Stop by our new Windsor branch for a warm welcome. Or call 203-6100 today.

e

“It’s great to be a part of Windsor’s new hometown bank!”

Member FDIC


Investment Centers of America Inc.300 E. 29th St.Loveland, CO 80537Phone: (970) 622-2366Fax: (970) 622-2395E-mail: [email protected] In Charge: Kevin Dunnigan,MBA, CFP, CSA, Certified FinancialPlannerWeb site: www.helpwithmyinvestments.com

James L. Watt Financial AdvisorsLtd.6248 Buchanan St.Fort Collins, CO 80525Phone: (970) 225-1440Fax: (970) 225-1470E-mail: [email protected] In Charge: James L. Watt,Owner

James Sprout & Associates Inc.318 Canyon Ave., Suite 150Fort Collins, CO 80521Phone: (970) 484-9222Person In Charge: James P. Sprout

Jim Saulnier CFP LLC322 E. Oak St.Fort Collins, CO 80524Phone: (970) 530-0556Fax: (970) 224-9188E-mail: www.jimsaulnier.comPerson In Charge: Jim Saulnier,OwnerWeb site: [email protected]

Kevin Conroy CFP407 W. Swallow RoadFort Collins, CO 80526Phone: (970) 226-2983

Koenig Financial Services3534 JFK Parkway, Suite BFort Collins, CO 80525-3040Phone: (970) 223-2828Fax: (970) 223-7040Person In Charge: Jim Koenig

Linsco Private Ledger1 Old Town Square, No. 301Fort Collins, CO 80524Phone: (970) 224-9492Fax: (970) 224-9445E-mail: [email protected] In Charge: Tom Michaels andTom Hisey, CFP, Branch ManagersWeb site: www.lpl.com

LPL Financial Services4945 Filbert DriveLoveland, CO 80538Phone: (970) 663-3444Fax: (970) 663-5195E-mail: [email protected] In Charge: Bruce Gregg

Macdonald Financial Services1220 W. Ash St., Suite EWindsor, CO 80550Phone: (970) 686-6778Fax: (970) 686-8931E-mail: [email protected]/Services: Wealthmanagement and creation.Web site: www.macdonaldfinancialservices.com

Managed Investments3800 Automation WayFort Collins, CO 80525Phone: (970) 206-1177Person In Charge: Kip Tani,President

McDonald Investments Inc.541 Big Thompson Ave.Estes Park, CO 80517Phone: (970) 586-2364Web site: www.keybank.com

McDonald Investments Inc.300 W. Oak St.Fort Collins, CO 80524Phone: (970) 482-3216Fax: (970) 221-2811Web site: www.keybank.com

McDonald Investments Inc.100 E. Drake RoadFort Collins, CO 80525Phone: (970) 494-2480Web site: www.keybank.com

McDonald Investments Inc.822 14th St.Greeley, CO 80631Phone: (970) 352-7031Web site: www.key.com

McDonald Investments Inc.822 14th St.Greeley, CO 80631Phone: (970) 378-3220Web site: www.keybank.com

McDonald Investments Inc.125 E. Seventh St.Loveland, CO 80537Phone: (970) 667-3083Web site: www.keybank.com

Merrill Lynch3555 Stanford Road, Suite 101Fort Collins, CO 80525Phone: (970) 266-4800Fax: (970) 266-4808E-mail: [email protected] In Charge: Craig A.Moddelmog Sr.Web site: www.ml.com

Mowers Financial Services Inc.736 Whalers Way, Bldg. G, Suite 110Fort Collins, CO 80525Phone: (970) 225-6534

Navigation Financial Services Inc.3914 Observatory DriveFort Collins, CO 80528Phone: (970) 204-4664Fax: (970) 204-4483Person In Charge: Adam E. Brunin

Northwestern Mutual FinancialNetwork375 E. Horsetooth Road, Bldg. 4, No.102Fort Collins, CO 80525-3155Phone: (970) 225-3442Fax: (970) 226-5036E-mail: [email protected]/Services: Life insurance,disability, long-term care,investments, group benefits.Person In Charge: Ryan E. Yoder,Managing directorWeb site: www.nmfn.com/thefortcollinsgroup

Oppenheimer & Co. Inc.501 St. Vrain Lane, Suite 202Estes Park, CO 80517Phone: (970) 586-1893Fax: (970) 586-1892E-mail: [email protected]/Services: Investmentbrokerage.Person In Charge: Mike Eitzen,Senior vice-presidentWeb site: www.opco.com

Paragon Investment Group1 Old Town Square, Suite 304Fort Collins, CO 80524Phone: (970) 224-2944Products/Services: Investments inreal estate and land development.

Pioneer Funding Solutions LLCP.O. Box 2535Loveland, CO 80539Phone: (970) 481-5601Fax: (970) 669-6677E-mail:[email protected]/Services: Accountsreceivable financing, medicalreceivables, purchase orders andcontracts financing.Person In Charge: Donna Hummel,PresidentWeb site:www.pioneerfundingsolutions.com

Poudre Financial Solutions1027 W. Horsetooth Road, Suite 202Fort Collins, CO 80526Phone: (970) 206-4740Fax: (970) 206-0473Person In Charge: Jane F. Landwehr

Precision Financial2519 S. Shields, St., No. 10Fort Collins, CO 80526Phone: (970)2673402Fax: 970 2673403Person In Charge: Michael T. O’Brien

Prudential Financial2242 Stonegate DriveFort Collins, CO 80525Phone: (970) 223-1518Fax: (970) 225-3719Person In Charge: Ben James

Raymond James Financial Services309 E. Mountain Ave., Suite 200Fort Collins, CO 80524Phone: (970) 224-2193Fax: (970) 224-2194E-mail:[email protected]/Services: Financialservices, stock brokers, IRAs, moneymarket accounts, etc.Person In Charge: Thomas Barbour

Raymond James Financial Services3640 W. 10th St.Greeley, CO 80631Phone: (970) 506-0121Fax: (970) 506-0093E-mail: [email protected]

RBC Dain Rauscher Inc.155 E. Boardwalk Drive, Suite 310Fort Collins, CO 80525Phone: (970) 206-1174Fax: (970) 206-1464E-mail: [email protected] In Charge: Mike Trinen,Branch directorWeb site: www.rbcdain.com

REA Capital Management LLC4703-B Boardwalk Drive, Suite 1Fort Collins, CO 80525Phone: (970) 223-0907

Retirement and Estate Advisors Inc.4703-B Boardwalk Drive, Suite B1Fort Collins, CO 80525Phone: (970) 223-0907Fax: (970) 223-2615Person In Charge: Jeffery V. Fanning

Securities Finance3307 S. College Ave.Fort Collins, CO 80525Phone: (970) 223-6687

Signil Wealth Network5220 Boardwalk Drive, F13Fort Collins, CO 80525Phone: (970) 207-0121Fax: (970) 223-0052Products/Services: Real estateportfolio planner.Web site: www.signil.com

Smith Barney400 E. Horsetooth RoadFort Collins, CO 80525Phone: (970) 266-4862Fax: (970) 223-5831Person In Charge: Clayton E.HartmanWeb site: fc.smithbarney.com/hartman_groupsb

Steige & Associates1020 Prospect Park DriveEstes Park, CO 80517Phone: (970) 577-1070Products/Services: Civilengineering.

Stifel Nicolaus & Co. Inc.2809 E. Harmony Road, No. 330Fort Collins, CO 80528Phone: (970) 267-9666Fax: (970) 267-9055E-mail: [email protected]/Services: Financialservices, NYSE, ticker symbol SF.Person In Charge: Donald Yohon,Vice president-investments; BranchmanagerWeb site: www.stifel.com

The Craig C. Campbell Agency Inc.262 E. Mountain Ave.Fort Collins, CO 80524Phone: (970) 484-1400Fax: (970) 484-9018E-mail:[email protected]/Services: Property andcasualty, life, commercial, variableproducts. Farmers Insurance products.Person In Charge: Craig Campbell,President

The Investment Center3545 W. 12th St., Suite 202Greeley, CO 80634Phone: (970) 475-1500Fax: (970) 475-1551E-mail: [email protected]/Services: Financialservices and income for life.Person In Charge: Douglas Lyons,Registered principal

The Planning & InvestmentCenter/Multi-Financial SecuritiesCorp.760 Whalers Way, Bldg. A, Suite. 201Fort Collins, CO 80525Phone: (970) 663-3132Fax: (970) 663-1506E-mail: [email protected] In Charge: Stephen Everett,OSJ managerWeb site: www.planningandinvestmentcenter.com

The Principal Financial Group320 W. Olive St.Fort Collins, CO 80521Phone: (970) 224-2500Fax: (970) 224-2500Person In Charge: Roger P. Shea

Thomas Financial Services Inc.400 S. Howes St., Suite 2Fort Collins, CO 80521Phone: (970) 482-0453Fax: (970) 482-1886

Thornton Financial1024 Centre Ave., No. 100AFort Collins, CO 80526Phone: (970) 221-2089

Thrivent Financial for Lutherans1812 56th Ave., Suite A,Greeley, CO 80634Phone: (970) 330-7411Fax: (970) 330-7424E-mail: [email protected]/Services: Life insurance,health insurance, long-term careinsurance, mutual funds, annuities,investments, financial planning,estate planning, retirementdistribution planning.Person In Charge: Daniel L. Austin,Senior financial consultantWeb site: www.thrivent.com

Thrivent Financial for Lutherans -Earle Solomonson289 E. Harmony Road, Suite 350Fort Collins, CO 80528Phone: (970) 282-8414Fax: (970) 266-2793Person In Charge: Earle J.Solomonson

Thrivent Financial for Lutherans -Gene Elder3500 JFK Parkway, Suite 201Fort Collins, CO 80525Phone: (970) 225-6169Fax: (970) 225-0844Person In Charge: Gene L. Elder

Thrivent Financial for Lutherans -Jeff Smith3500 JFK Parkway, Suite 201Fort Collins, CO 80525-2635Phone: (970) 225-6169Fax: (970) 225-0844Person In Charge: Jeffry L. Smith

Thrivent Financial for Lutherans -Kathleen Johnson2218-B Stetson Creek DriveFort Collins, CO 80528Phone: (970) 377-9914Person In Charge: Kathleen Johnson

Thrivent Financial for Lutherans -Nancy Behm707 McGraw DriveFort Collins, CO 80526-3978Phone: (970) 225-6586Fax: (970) 225-6588Person In Charge: Nancy J. Behm

Thrivent Financial for Lutherans -Paul Caylor2809 E. Harmony Road, Suite 350Fort Collins, CO 80525Phone: (970) 282-8414Person In Charge: Paul Caylor

Thrivent Financial for Lutherans -Philip Novicki3500 JFK Parkway, Suite 201Fort Collins, CO 80525Phone: (970) 225-6169Person In Charge: Philip B. Novicki

Thrivent Financial for Lutherans -Rocky Mountain154 E. 29th St.Loveland, CO 80525Phone: (970) 613-1505Fax: (970) 613-9180Person In Charge: Charles K. Morse

Tributary Capital Management LLC215 W. Oak St., Suite 201Fort Collins, CO 80521Phone: (970) 495-1291Fax: (970) 419-5755E-mail: [email protected]/Services: Investmentmanagement services to institutionaland high-net-worth clients.Person In Charge: Kurt Spieler,Managing directorWeb site: www.tributarycapital.com

UBS Financial Services Inc.318 Canyon Ave., Suite 300Fort Collins, CO 80521Phone: (970) 498-4000Fax: (970) 498-4002Products/Services: Completefinancial services, including managedaccounts, retirement plans, mutualfunds, CDs, tax-exempt bonds, stocks,government securities.Person In Charge: Gary Birdsell,Branch managerWeb site: www.ubs.com/financialservicesinc

UBS Financial Services Inc.1901 56th Ave., Suite 300Greeley, CO 80634Phone: (970) 506-5800Fax: (970) 506-5858E-mail: [email protected]/Services: Completefinancial services, including managedaccounts, retirement plans, mutualfunds, CDs, tax-exempt bonds, stocks,government securities.Person In Charge: Gerald Karre,Branch managerWeb site: www.ubs.com/financialservicesinc

United Securities Alliance Inc.1821 56th Ave.Greeley, CO 80634Phone: (970) 353-7122Fax: (970) 346-0070

Vision Financial Group1336 Oakridge Drive, No. 100Fort Collins, CO 80525-5564Phone: (970) 482-2000Fax: (970) 484-9271Products/Services: Financialservices, retirement planning, tax-savings strategies, full-brokerageservice, mutual funds, stocks, bondsand life insurance.Person In Charge: Gregory D.Anderson and Rodney K. Wilson,PartnersWeb site: www.visionfinancialgroup.net/

Vision Financial Group4802 Prairie Ridge DriveFort Collins, CO 80526Phone: (970) 482-2000Person In Charge: Rodney K. Wilson

Vision Financial Group200 E. Seventh St., No. 420Loveland, CO 80537-4871Phone: (970) 667-9950Fax: (970) 667-9972Person In Charge: Lawrence B.Combs

Westaff was founded in 1948 and serves over 15,000 clients from our network of more than230 offices in the United States, United Kindom, Australia and New Zealand. The Fort Collins

branch has serviced Fort Collins for over 10 years. Thanks to the loyal and outstandingcustomers we have grown and expanded! Although our location has changed our commitmentto providing outstanding service has not. At Westaff we value the partnerships we have with

both our customers and our talented network of staffing employees.

Clerical * Customer Service * Administrative * Light IndustrialWarehouse * Professional * Executive Search

P R O V I D I N G E S S E N T I A L P E O P L E

140 E Boardwalk un i t D

Fort Col l ins , CO 80525

ph. 970.223 3434fax 970.223.3813

LET WESTAFF PROVIDE ALL YOUR STAFFING SOLUTIONS

Robin Aragon, Branch Manager • Frieda Riggs, Placement Consultant • Melissa Watkins, Placement Consultant


Waddell & Reed Inc.2850 McClelland DriveFort Collins, CO 80525-2186Phone: (970) 226-5800Fax: (970) 226-5802Person In Charge: Jared Best,Division ManagerWeb site: www.waddell.com

Waddell & Reed Inc.2600 11th Ave., No. 200Greeley, CO 80631-8441Phone: (970) 353-8800

Wells Fargo Investments401 S. College Ave.Fort Collins, CO 80524Phone: (800) 892-9502Fax: (970) 493-3927Web site: www.wellsfargo.com

World Financial Group3568 Delta Court, Suite. 100Loveland, CO 80538Phone: (970) 962-9630Person In Charge: James Williams,AssociateWeb site: www.worldfinancialgroup.com

Mortgage Lenders

1st City Mortgage Group3615 Mitchell DriveFort Collins, CO 80525Phone: (970) 266-9111Fax: (970) 266-0498E-mail: [email protected] In Charge: Mick OcchiatoWeb site: ftcollinsloan.com

A Better Mortgage1136 E. Stuart St., Suite 4102Fort Collins, CO 80525Phone: (970) 377-3200Fax: (970) 377-2311Web site: www.best4lessmortgage.com

A Team Mortgage and FinancialServices Inc.6200 W. Ninth St., Unit 3Greeley, CO 80634Phone: (970) 353-1122Fax: (970) 353-5196E-mail: [email protected] In Charge: Linda Asmussen,Program managerWeb site: www.a-team-mortgage.com

AACE Mortgage Services LLC1528 N. Lincoln Ave., Suite 7Loveland, CO 80538Phone: (970) 613-1900Fax: (970) 613-8106E-mail: [email protected]/Services: Mortgage broker.Person In Charge: Steven L. Reevesand Cynthia A. ReevesWeb site: www.aacemortgage.com

Above All Mortgage Services2893 N. Monroe Ave.Loveland, CO 80538Phone: (970) 278-9092Fax: (970) 669-9004

AFS Financial & Mortgage ServicesInc.1730 S. College Ave., Suite 204Fort Collins, CO 80525Phone: (970) 221-0153Fax: (970) 221-1478Web site: www.afsmortgage.com

All American Mortgage383 W. Drake RoadFort Collins, CO 80525Phone: (970) 377-0024E-mail: [email protected]

All Seasons Mortgage of FortCollins1701 Lake Sherwood DriveFort Collins, COPhone: (970) 282-0219Fax: (970) 282-8115

America’s Mortgage343 W. Drake Road, Suite 240Fort Collins, CO 80526Phone: (970) 226-6944Fax: (970) 226-6884E-mail: [email protected] site: www.moneymoney.com

American Home Mortgage375 E. Horsetooth Road, No. 3-200Fort Collins, CO 80525Phone: (970) 225-6850Fax: (970) 225-6849Products/Services: Construction lender.

American Home Mortgage3555 Stanford Road, Suite 220Fort Collins, CO 80525Phone: (970) 377-8971Fax: (970) 377-8977Products/Services: 1700 hundredloan products, A-D paper.Web site: www.americanhm.com

Apex Financial2100 Stillwater Creek CourtFort Collins, CO 80525Phone: (970) 223-8664Fax: (970) 266-8368E-mail: [email protected]

Austin Mortgage Inc.3665 JFK ParkwayFort Collins, CO 80525Phone: (970) 229-9468Fax: (970) 223-6311Web site: www.austinmortgage.com

Bancwise Real Estate Solutions3227 S. Timberline Road, Suite AFort Collins, CO 80525Phone: (970) 282-9473Fax: (970) 282-9475E-mail: [email protected]/Services: Mortgage bankthat is also a full-service real estatebrokerage that sells homes for a flatfee and provides traditional realestate services.Person In Charge: Mike ShultsWeb site: www.bancwise.com

Bank of Colorado MortgageDivision7791 Highland Meadows ParkwayWindsor, CO 80528Phone: (970) 674-9111Fax: (970) 674-9911Products/Services: Mortgage loans.Web site: www.bankofcolorado.com

Bank of the West181 W. Boardwalk DriveFort Collins, CO 80525Phone: (970) 225-2982Fax: (970) 225-3916E-mail: [email protected]/Services: Bankingservices, including loans and bankingservices for the agriculturecommunity.Person In Charge: WandaZimmerman, Branch managerWeb site: www.BankoftheWest.com

Blue Diamond Mortgage832 W. Eisenhowever Blvd., No. 1Loveland, CO 80537Phone: (970) 461-0866Fax: (970) 461-0863E-mail: [email protected] In Charge: Jose Santana,Manager

Bode MortgageBerthoud, COPhone: (970) 532-3920Fax: (970) 532-2201

Boulder West Financial ServicesInc.Estes Park, CO 80517Phone: (970) 586-9034Fax: (970) 586-9373E-mail: [email protected]/Services: Residentialmortages.Web site: boulderwest.com

Brokers Alliance Mortgage363 W. Drake Road, Suite 8Fort Collins, CO 80525Phone: (970) 207-1280Fax: (970) 207-1281E-mail: [email protected] In Charge: Larry Friedlan,OwnerWeb site: www.balliancem.com

Cache Bank and Trust4601 W. 20th St.Greeley, CO 80634Phone: (970) 351-8600Fax: (970) 351-7878Products/Services: Loans andbanking services for commercial andpersonal entities.Person In Charge: Byron W. BatemanWeb site:www.cachebankandtrust.com


Centennial Bank of the West -Mortgage2900 S. College Ave.Fort Collins, CO 80525Phone: (970) 223-3535Fax: (970) 223-1557Products/Services: Full-servicecommercial bank, loans and depositproducts, trust and investmentproducts.

Centennial Mortgage6531 St. Vrain Ranch Blvd.Firestone, CO 80520Phone: (303) 833-3502

Central Rockies Mortgage Co.P.O. Box 437Fort Collins, CO 80549-0437Phone: (970) 221-9045Fax: (970) 221-9048

Choice Mortgage139 N. Loomis Ave., Suite BFort Collins, COPhone: (970) 484-5152Fax: (970) 484-5159E-mail: [email protected] site: www.maxchoicemortgage.com

Colorado National Mortgage,LLC19 Old Town Square, #238Fort Collins, CO 80524Phone: (970) 419-4344Fax: (970) 419-4357E-mail: [email protected] site: www.nationalmortgagefinders.com

Community First Mortgage Division4290 W. 10th St.Greeley, CO 80634Phone: (970) 336-1441Fax: (970) 304-0374

Consumer Home MortgageFort Collins, COPhone: (970) 223-2765

Corner Financial Group8120 Sheridan Blvd., Building AWestminster, CO 80003Fax: (303) 426-7841

Cornerstone Mortgage Company3406 Terry Point DriveFort Collins, CO 80524-1355Phone: (970) 484-9520Fax: (970) 490-1066E-mail: [email protected] site: www.milestoneleaders.com

Countrywide Home Loans2809 E. Harmony Road, Suite 320Fort Collins, CO 80528Phone: (970) 226-0617Fax: (970) 282-3695Person In Charge: Nancy R. Smith,Area sales manager and VicepresidentWeb site: www.countrywide.com

Countrywide Home Loans2028 35th Ave., Suite BGreeley, CO 80634Phone: (970) 339-0025Person In Charge: Nancy R. Smith,Area sales manager and VicepresidentWeb site: www.countrywide.com

Countrywide Home Loans5401 Stone Creek Circle, Suite 201Loveland, CO 80538Phone: (970) 635-5725Fax: (970) 635-9048Person In Charge: Nancy R. Smith,Area sales manager and VicepresidentWeb site: www.countrywide.com

Countrywide Home Loans - Main2809 E. Harmony Road, Suite 320Fort Collins, CO 80528Phone: (970) 226-0617Fax: (970) 282-3695E-mail: [email protected] In Charge: Nancy R. Smith,Area sales managerWeb site: www.countrywide.com

CTX Mortgage Co.300 E. Horsetooth RoadFort Collins, CO 80525Phone: (970) 225-2800Fax: (970) 225-2880

Delta Mortgage Corp.2537 Research Blvd., Suite 201Fort Collins, CO 80526Phone: (970) 221-2218Fax: (970) 221-4727

Delta Mortgage Services1737 College Ave., Suite 301Fort Collins, COPhone: (970) 223-5141Fax: (303) 450-2639

Destiny Lending425 E. Eishenhower Ave.Loveland, CO 80537Phone: (970) 667-3499Fax: 970-667-3459E-mail: [email protected]/Services: Mortgagelending services.Person In Charge: Shawn Beard,President and Dave Harding, SalesmanagerWeb site: www.destinylending.com

Equitable Savings & LoanAssociation3050 S. College Ave.Fort Collins, CO 80525-2560Phone: (970) 223-1963Fax: (970) 223-1965E-mail: [email protected] In Charge: Donald M. KoenigJr., PresidentWeb site: www.Equitable-Savings.com

Equitable Savings & LoanAssociation-Loan ProductionOffice3400 W. 16th St.Greeley, CO 80631Phone: (970) 395-0400Fax: (970) 395-0402Person In Charge: Cliff MacDonald,Senior vice president

First National Bank MortgageDivision375 E. Horsetooth Road, Suite 2-101Fort Collins, CO 80525Phone: (970) 494-5520Fax: (970) 494-5521E-mail: [email protected] In Charge: Gene Humphries,PresidentWeb site: www.1stnationalbank.com


Fort Collins Mortgage6712 S. College Ave, #4Fort Collins, CO 80525Phone: (970) 484-5626Fax: (970) 484-1180E-mail: [email protected]/Services: Mortgages andinvestments.Person In Charge: Thurl QuigleyWeb site: www.fortcollinsmortgage.com

GMAC Mortgage Corp.2900 S. College Ave., Suite 2-AFort Collins, CO 80525Phone: (970) 226-4700Fax: (970) 282-1171E-mail: [email protected]/Services: Residentialloans.Person In Charge: Ronald Martin,District managerWeb site: www.gmacmortgage.com

Green Financial Center4407 29th St.Greeley, CO 80634Phone: (970) 330-7792E-mail: [email protected]

Guaranty Residential Lending300 E. Horsetooth Road, Suite 204Fort Collins, CO 80525Phone: (970) 229-9120Fax: (970) 229-9172E-mail: [email protected]/Services: Real estateloans, refinancing, construction andpersonal financing.Person In Charge: Kathleen Martin,Vice president and branch manager

Harmony Financial ServicesBerthoud, COPhone: (970) 532-1183

Hastings Mortgage2627 Redwing Road, Suite 360-FFort Collins, CPhone: (970) 223-8600Fax: (970) 226-3048E-mail: [email protected] In Charge: Jamie MerrillWeb site: www.hastingsmortgageinc.com

Home A Loan Financial Inc.3307 S. College Ave., No. 200Fort Collins, CO 80525Phone: (970) 225-2993E-mail: [email protected]

Home Loan Experts4426 S. College Ave, No. B-2Fort Collins, CO 80525Phone: (970) 223-4663Fax: (970) 223-0069Products/Services: Home-mortgageloans, home-equity lines of credit,100% financing, FHA/VA.Person In Charge: Kim Martin,Owner

Home Loan Experts4426 S. College Ave., Unit B-2Fort Collins, CO 80525Phone: (970) 223-4663Fax: (970) 223-0067Person In Charge: Dave Armstrong,Branch manager

The Home State Bank - MortgageDivision2695 W. Eisenhower Blvd.Loveland, CO 80537Phone: (970) 461-2292Fax: (970) 669-6228E-mail: [email protected]/Services: All types ofmortgage products for owner-occupied and investment real estate.Person In Charge: DonaldChurchwell, CEOWeb site: www.homestatebank.com

Horizon Banks - Main1700 Kylie Drive, Suite 200Longmont, CO 80501Phone: 303-684-7350Fax: (303) 684-8778Person In Charge: Daniel AllenWeb site: www.bankhorizononline.com

Integrated Mortgage Services333 W. Drake Road, No. 31Fort Collins, CO 80526Phone: (800) 569-1889Fax: (303) 759-2782E-mail: [email protected] site: www.integratedmortgage.com

42401 17th St. Greeley, Colorado 970-356-7224 www.cpgreeley.com

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REAL ESTATE APPRAISAL…

Front Range Real Estate Consultants, Inc.Front Range Real Estate Consultants, Inc.

1215 North Cleveland Avenue1215 North Cleveland Avenue

Loveland, CO 80537Loveland, CO 80537

www.frreci.comwww.frreci.com

Phone: 970.669.9161 Fax: 970.669.9162Phone: 970.669.9161 Fax: 970.669.9162


JP American MortgageServices/Post Modern Development3600 S. College Ave., No. 201Fort Collins, CO 80525Phone: (970) 407-7808Fax: (970) 225-6490Products/Services: Mortgageservices and building anddevelopment.Person In Charge: Valerie Jacomet,CFO and Vice president

KeyBank of Colorado300 W. Oak St.Fort Collins, CO 80524Phone: (970) 482-3216Fax: (970) 221-2811Products/Services: Mortgages andbanking services.Web site: www.keybank.com

Lighthouse Lending LLC910 54th Ave., Suite 230Greeley, CO 80634Phone: (970) 339-0030Fax: (970) 339-0044E-mail: [email protected]/Services: Conventional,subprime, FHA, VA, niche.Person In Charge: Tom Beck andBeau Couch, Managing membersWeb site: www.LHLending.com

Loan Perfect1575 Pelican Lakes Point, Unit BWindsor, CO 80550Phone: (970) 206-1666Fax: (970) 686-6699E-mail: [email protected] site: www.loanperfect.com

Lone Tree Mortgage ServicesGreeley, COPhone: (970) 330-3223

Mountain Plains Farm CreditServices4505 29th St.Greeley, CO 80634Phone: (970) 330-4071Fax: (970) 330-4420Products/Services: Provides financialservices for farmers, ranchers, agri-businesses, and country home owners.Includes operating loans, equipmentloans, livestock loans and cropinsurance.Web site: www.ifeedtheworld.com

NorCo Financial Group3534 JFK ParkwayFort Collins, CO 80524Phone: (970) 207-1583Fax: (970) 207-0784E-mail: [email protected]

North Suburban Mortgage Corp.2307 Hampshire CourtFort Collins, COPhone: (970) 482-9590Fax: (970) 472-6295Web site: www.nsmortgage.com

Northern Colorado MortgageCompany LLC3726 Timberline Road, #102Fort Collins, CO 80525Phone: (970) 226-2992Fax: (970) 226-4469E-mail: [email protected] In Charge: BrendaStephensonWeb site: www.nc-mc.com

Optima Mortgage LLC3665 JFK Parkway, Suite 1-102Fort Collins, CO 80525Phone: (970) 223-2854Fax: (970) 223-2856E-mail: [email protected] site: www.optimamortgage.com

Peak Financial Solutions1431 Last Oak CourtFort Collins, CO N/APhone: (970) 224-9574

Pioneer Mortgage Services Inc3835 W. 10th St., No. 200HGreeley, CO 80634Phone: (970) 356-1560Fax: (970) 336-3156E-mail: [email protected] In Charge: Norma CarterWeb site: www.pionermtgservice.com

Principal Residential Mortgage Inc.375 E. Horsetooth Road, Unit 6-101Fort Collins, CO 80537Phone: (970) 226-2043Fax: (970) 226-2046

PVM - Poudre Valley Mortgage113-A4 Coronado CourtFort Collins, CO 80525Phone: (970) 266-9040Fax: (970) 266-9044

RBC Mortgage3030 S. College Ave.Fort Collins, CO 80525Phone: (970) 282-0800Fax: (970) 282-0100Web site: www.rbcmortgage.com

REA Mortgage LLC4703-B Boardwalk Drive, Suite 1Fort Collins, CO 80525Phone: (970) 223-0907Fax: (970) 223-2615E-mail: [email protected]/Services: Purchases,refinancing, second mortgages, homeequity loans, reverse mortgages.Person In Charge: Jeffery Fanning,FounderWeb site: www.reagroup.us

Silver Creek Mortgage137 E. 37th St, Creekside PlazaLoveland, CO 80538Phone: (970) 663-5800Fax: (970) 663-5959Web site: www.silvercr.com

Source One Mortgage ServicesCorp.1269 N. Cleveland Ave.Loveland, COPhone: (970) 663-4400Fax: (970) 663-2826

Sterling Mortgage Group LLC200 E. Seventh St., Suite 314Loveland, CO 80537Phone: (970) 667-6350Fax: (970) 613-1320E-mail: sterlingmtggroup.com

TierOne Bank Commercial RealEstate Loan Production Office1336 Oakridge Drive, Suite 102Fort Collins, CO 80525Phone: (970) 282-9232Fax: (970) 282-9273E-mail: [email protected]/Services: Beganresidential mortgages July 1, 2005.Person In Charge: KathleenSnodgrass, Vice presidentWeb site: www.tieronebank.com

US Bank1275 Eagle DriveLoveland, CO 80537Phone: (970) 461-0115Products/Services: Banking.Person In Charge: Cory BrossmanWeb site: www.usbank.com

US Home Mortgage118 E. 29th St.Loveland, COPhone: (970) 593-0400

Valley Bank & Trust MortgageDivision4900 E. Bromley LaneBrighton, CO 80601Phone: (303) 659-5735Fax: (303) 659-8443E-mail: [email protected]/Services: Full-servicebanking, including agricultural loans.Person In Charge: Valerie Espinoza-Martinez, Branch president andFenessa Brown, Branch operationsmanagerWeb site: www.valleybankandtrust.com

Waterfield Financial Corp.3459 W. 20th St., No. 223Greeley, CO 80631Phone: (970) 356-8328Fax: (970) 356-8389Person In Charge: Robin Harris,President

Wells Fargo Home Mortgage3500 JFK Parkway, Suite 110Fort Collins, CO 80525Phone: (970) 229-1930Fax: (970) 223-1856E-mail: [email protected] In Charge: Mark Hensler andSharon DeWildWeb site: www.wellsfargo.com

Windsor National Mortgage430 Main St.Windsor, CO 80550Phone: (970) 686-6866Fax: (970) 686-7985E-mail: [email protected]/Services: Low-creditmortgages, 100% financing.Web site:www.windsornationalmortgage.com

World Savings & Loan AssociationReal Estate Division1100 11th Ave.Greeley, CO 80631Phone: (970) 352-6201Fax: (970) 352-0185

Payroll Companies

A & A Payroll LLC201 Linden St., Suite 202Fort Collins, CO 80524Phone: (970) 482-4559Fax: (970) 224-4175E-mail: [email protected]/Services: Payroll services.Person In Charge: Kermit L. Allardand Susan ShirleyWeb site: www.aapayroll.com

Andrea J. Smith and Associates Inc.155 E. Broardwalk Drive, Suite. 400Fort Collins, CO 80525Phone: (970) 232-3122Fax: (970) 232-3123E-mail: [email protected]/Services: Bookkeeping,payroll and tax services. Specializingin QuickBooks software. QuickBooksCertified ProAdvisor.Person In Charge: Andrea J. Smith,CPA, CPA and OwnerWeb site: fortcollinsaccounting.com

Balanced Books AccountingServices1120 N. Lincoln Ave.Loveland, CO 80537Phone: (970) 669-0857Fax: (970) 667-7968E-mail: [email protected]/Services: Bookkeepingservices, partnered with paychex forfull-payroll services.Person In Charge: Sandy Abromski,OwnerWeb site: balancedbooksinc.com

Bates & Bishop CPA Inc.375 W. 37th St., Suite 100Loveland, CO 80538Phone: (970) 669-7400Fax: (970) 669-7404E-mail: [email protected]/Services: Payroll serviceand tax preparation.Person In Charge: Rex Bates,PresidentWeb site: www.batesbishopcpa.com

Capital Accounting & Finance Inc.1015 37th Avenue Court, Unit 101Greeley, CO 80634Phone: (970) 352-8118Fax: (970) 353-6690E-mail: [email protected]/Services: Full-payrollservice, QuickBooks consulting,income-tax preparation.Person In Charge: Heidi Klepper,PresidentWeb site: www.capitalAFI.com

D & B Bookkeeping & Tax Service627 35th Ave.Greeley, COPhone: (970) 352-3875Fax: (970) 352-2213E-mail: [email protected]/Services: Payroll,accounting, income tax.Person In Charge: Dean JaneskiWeb site: none

Employer Solutions Group3760 E. 15th St., Suite 201Loveland, CO 80538Phone: (970) 612-2040Fax: (970) 612-2021Products/Services: Complete HRoutsourcing, coordinating payroll,benefits, risk management, taxcompliance and HR consulting.Person In Charge: Mark Weaver,General manager and Craig Allred,PresidentWeb site: www.esghr.com

First Priority Payroll2842 Claremont DriveFort Collins, CO 80526Phone: (970) 204-9449Fax: (970) 204-9669E-mail: [email protected]/Services: Accounting,auditing, bookkeeping and payrollservices.Person In Charge: Fred Martin,Manager

Hoover Harris & Co. PC4075 W. 11th St.Greeley, CO 80634Phone: (970) 352-1642Fax: (970) 352-0284E-mail: [email protected]/Services: Completepayrolls processed, direct depositavailable, payroll reports completed.Person In Charge: Wayne Hoover,PrincipalWeb site: www.hooverharriscpa.com

Lynard Services Inc.129 W. Elkhorn Ave.Estes Park, CO N/APhone: (970) 586-2957Fax: (970) 586-1782Products/Services: Accounting,auditiong, bookkeeping, payroll.Person In Charge: Kurt Streib,President

Paychoice*185 N. College Ave.Fort Collins, CO 80524Phone: (970) 416-0711Fax: (970) 484-0095E-mail: [email protected]/Services: Payroll & payrolltax filing, employee benefits, pay-as-you-go workers’ compensation, Web-based payroll.Person In Charge: Carol Peddicord,Operations managerWeb site: www.paychoice.com* Formerly Payroll +.

Payroll 1 Inc.Fort Collins, COPhone: (970) 484-0909Fax: (303) 782-0037Web site: www.payroll1.com

Premier Payroll & Bookkeeping383 W. 37th St.Loveland, CO 80538Phone: (970) 667-1771Fax: (970) 667-0959E-mail: [email protected]/Services: Full-service payrollpreparation and related services.Person In Charge: Judy Eppel, Manager

R.L. Hildebrand & Associates Inc.2629 Redwing Road, No. 290Fort Collins, COPhone: (970) 229-0389Fax: (970) 229-0395E-mail: [email protected]/Services: Full range ofservices including general accounting,bookkeeping, budget analysis, payroll,estate planning and tax preparation.Person In Charge: Rick Hildebrand,OwnerWeb site: www.rlhildebrand.com

Rickards Long & Rulon LLP301 E. Olive St.Fort Collins, CO 80524Phone: (970) 493-6869Fax: (970) 484-1992E-mail: [email protected]/Services: CPA firm,business consultants, payroll services.Person In Charge: Lauren Long; JillRickards and A. Scott Rulon, PartnersWeb site: www.rlrcpas.com

Sentinel Service Corp.1125 W. Drake RoadFort Collins, CO 80525Phone: (970) 484-6868Products/Services: Full-payrollpreparation, related services, advisersand consultants for employer/employeebenefits and deductions.Person In Charge: Kathy Burgess,General ManagerWeb site: www.sentinelservicecorp.com

Universal Merchant Service2900 S. College Ave., Suite LCFort Collins, CO 80525Phone: (970) 472-4111Fax: (970) 416-6846E-mail: [email protected]/Services: Payroll, credit-card services, accounting, taxes.Person In Charge: Morgan Bolls,ManagerWeb site: www.ledgerplus.net

SBA Lenders

Advantage Bank4532 McMurry Ave., Suite 100Fort Collins, CO 80525Phone: (970) 204-0450Fax: (970) 204-1535Products/Services: Banking andfinancial services.Person In Charge: John Meyer,Branch presidentWeb site: www.advantagebanks.com

Advantage Bank1801 59th Ave.Greeley, CO 80634Phone: (970) 353-0047Fax: (970) 353-0433E-mail: [email protected]/Services: Banking andfinancial services.Person In Charge: Mike Bond,Branch presidentWeb site: www.advantagebanks.com

Advantage Bank1475 N. Denver Ave.Loveland, CO 80538Phone: (970) 613-1982Fax: (970) 613-1328Products/Services: Banking andfinancial services.Person In Charge: Thomas Chinnock,CEOWeb site: www.advantagebanks.com

AMRESCO Independent Funding Inc.3900 E. Mexico Ave., Suite 790Denver, CO 80210Phone: (303) 623-1772Fax: (303) 338-2276Person In Charge: Randolph E.Brown, CEOWeb site: www.amrescoct.com

Bank of Colorado1609 E. Harmony RoadFort Collins, CO 80525Phone: (970) 206-1160Fax: (970) 206-1156Products/Services: Agricultural,commercial and personal banking.Person In Charge: Cody FullmerWeb site: www.bankofcolorado.com

Bank of Colorado1041 Main St.Windsor, CO 80550Phone: (970) 686-7631Fax: (970) 686-9246E-mail: [email protected]/Services: Agricultural,commercial and personal banking.Person In Charge: Tom Prenger,Branch presidentWeb site: www.bankofcolorado.com

970-226-3000 • 3003 S. College • Ft Collinswww.edcarrollmotorco.com

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Bank of Colorado1609 E. Harmony RoadFort Collins, CO 80525Phone: (970) 206-1160Fax: (970) 206-1156Products/Services: Banking &investments.Person In Charge: Cody Fullmer andMatthew S. Pletcher, Branch managerWeb site: www.bankofcolorado.com

Bank One National Association1125 17th St.Denver, CO 80202Phone: (303) 241-3271Fax: (303) 296-8176Products/Services: Colorado CreditReserve (CCR) - $100,000 limit, SBAExpress - small business loans up to$150,000, SBA general loans$150,000-$1,500,000, SBA 504 loansup to $2,5000,000.Person In Charge: James Dimon,Chairman and CEOWeb site: www.bankone.com

Cache Bank and Trust924 11th St.Greeley, CO 80631Phone: (970) 506-7183Fax: (970) 351-6272Products/Services: Loans andbanking services for commercial andpersonal entities.Person In Charge: Byron W.Bateman, CEO, COO and ChairmanWeb site:www.cachebankandtrust.com



Centennial Bank of the West3151 N. Garfield Ave.Loveland, CO 80538Phone: (970) 267-6906Fax: (970) 267-6908E-mail: [email protected]/Services: Financialservices, commercial loans, cashmanagement, agricultural loans,construction loans.Person In Charge: Daniel M. Quinn,CEOWeb site: www.centennialbanks.com

Centennial Bank of the West4650 Royal Vista CircleFort Collins, CO 80528Phone: (970) 266-0505Fax: (970) 225-9045Products/Services: Full-servicebanking and loans.Person In Charge: Daniel M. Quinn,CEOWeb site: www.centennialbanks.com

Chase Bank2600 W. 10th St.Greeley, CO 80631Phone: (970) 392-3330Fax: (970) 353-0109Products/Services: Full-servicebanking.Person In Charge: Cyndi Ingram,Branch managerWeb site: www.chase.com

CIT Small Business Lending Corp.1526 Cole Blvd., Bldg. 3Golden, CO 80401Phone: (303) 202-3756Fax: (303) 202-3789Person In Charge: Albert R. GamperJr, Chairman, President and CEOWeb site: www.smallbiz.com

CIT Small Business Lending Corp.1331 17th St.Denver, CO 80202Phone: (303) 202-3756Fax: (303) 202-3789Person In Charge: Albert R. GamperJr., Chairman, President and CEOWeb site: www.smallbiz.com

Citywide Banks10660 E. Colfax Ave.Aurora, CO 80010Phone: (303) 365-3600Fax: (303) 365-3601E-mail: [email protected] In Charge: Marty Schmitz,PresidentWeb site: www.citywidebanks.com

Colorado Lending Source518 17th St., Unit 1800Denver, CO 80202Phone: (303) 657-0010Fax: (303) 657-0140E-mail:[email protected]/Services: Small BusinessAdministration loans.Person In Charge: Mike O’Donnell,Executive directorWeb site:www.coloradolendingsource.org

Commerce Bank15305 E. Colfax Ave.Aurora, CO 80011Phone: (303) 344-5202E-mail: [email protected] In Charge: Jim Lewien,PresidentWeb site: www.realpeoplebank.com

Community Economic Development1175 Osage St., Suite 110Denver, CO 80204Phone: (303) 893-8989Fax: (303) 893-8398Person In Charge: Bill Bacon,Executive director

First National Bank205 W. Oak St.Fort Collins, CO 80521Phone: (970) 282-9680Fax: (970) 229-9104Products/Services: Full-servicebank, including checking, savings,loans, commercial, mortgage,investments, trust, etc.Person In Charge: Mark Driscoll,President and Chris Osborn, CEOColorado Holding Co.Web site: www.1stnationalbank.com

First National Bank205 W. Oak St.Fort Collins, CO 80521Phone: (970) 495-1267Fax: (970) 482-4738E-mail: [email protected] In Charge: Mark Driscoll andChris OsbornWeb site: www.1stnationalbank.com


FirsTier Bank2650 E. 120th Ave.Thornton, CO 80233Phone: (303) 920-2055Fax: (303) 920-2073Person In Charge: Donald Park

GE Capital Small Business127 Public SquareCleveland, OH 44114Phone: (888) 335-4372Person In Charge: Denis J. Nayden,Chairman and CEOWeb site: http://www.gecapital.com

GE Capital Small Business FinanceCorp.8480 E. Orchard Road, Suite 5000Englewood, CO 80111Phone: (303) 488-9000Fax: (303) 694-1848Person In Charge: FerdinandoBeccalli, CEO and PresidentWeb site: www.gesmallbusiness.com

Guaranty Bank & Trust Co.4975 Kipling St.Wheatridge, CO 80033Phone: (303) 269-6960Fax: (303) 296-0228Person In Charge: David BoylesWeb site: www.guarantybankonline.com

KeyBank of Colorado822 14th St.Greeley, CO 80631Phone: (970) 352-7031Person In Charge: Henry L. Meyer III,Chairman, President and CEOWeb site: www.key.com

New Frontier Bank2425 35th Ave.Greeley, CO 80634Phone: (970) 339-5100Fax: (970) 339-5200E-mail:[email protected]/Services: Full-service,locally owned and managed bank.Person In Charge: Larry Seastrom,CEO and PresidentWeb site: www.newfrontierbank.com

Preferred Lending Partners, aDUEDC Co.140 E. 19th Ave., Suite 202Denver, CO 80203Phone: (303) 861-4100Fax: (303) 861-9456Person In Charge: StephanieGerringer, Executive directorWeb site: www.preferredlendingpartners.org

Premier Bank1630 Stout St.Denver, CO 80202Phone: (303) 623-8888Fax: (303) 623-8505E-mail: [email protected]/Services: SBA loanprogram marketing.Person In Charge: Kenneth SoWeb site: www.premierbankusa.com

Transamerica Small BusinessCapital6075 S. Quebec St.Englewood, CO 80111Phone: (303) 220-9454Web site:http://www.transamerica.com

Union Colony Bank1701 23rd Ave.Greeley, CO 80634Phone: (970) 356-7000Fax: (970) 353-6299E-mail: www.unioncolonybank.comProducts/Services: Full-servicebanking.Person In Charge: Larry Wood, CEOWeb site: www.unioncolonybank.com

US Bank3690 W. 10th St.Greeley, CO 80634Phone: (970) 392-9717Fax: (970) 352-7087Products/Services: Banking.Person In Charge: Jeff JironWeb site: www.usbank.com

US Bank National Association730 Colorado Blvd.Denver, CO 80206Phone: (303) 394-7073Fax: (303) 399-2809Web site: www.usbank.com

Vectra Bank Colorado National999 18th St.Denver, CO 80202Phone: (303) 391-1026Fax: (303) 363-2674Person In Charge: Bruce Alexander,CEOWeb site: www.vectrabankcolorado.com

Wachovia SBA Lending Inc.1620 E. Roseville Parkway, Suite 1Roseville, CA 95661Phone: (800) 566-3862Person In Charge: G. K. Thompson,Chairman, President and CEOWeb site: www.wachovia.com

Wells Fargo Bank West N.A.1740 Broadway St.Denver, CO 80274Phone: (303) 861-8811Fax: (303) 863-5806Person In Charge: David Bailey,Branch managerWeb site: www.wellsfargo.com

Venture Capital Firms

Access Venture Partners8787 Turnpike Drive, Suite 260Westminster, CO 80030Phone: (303) 426-8899Fax: (303) 426-8828E-mail: [email protected] In Charge: Frank Mendicino II;Jay Campion and Frank Mendicino IIIWeb site: www.accessventurepartners.com

Appian Ventures1700 Lincoln St., Suite 200Denver, CO 80203Phone: (303) 830-2450Fax: (303) 830-2449E-mail: [email protected] In Charge: Chris Onan,PrincipalWeb site: www.appianvc.com

Aweida Venture Partners500 Discovery Parkway, Suite 300Superior, CO 80027Phone: (303) 664-9520Fax: (3030 664-9530E-mail: [email protected] In Charge: Dan Aweida andJesse Aweida, Managing partnersWeb site: www.aweida.com

Boulder Ventures Ltd.1900 Ninth St., Suite 200Boulder, CO 80302Phone: (303) 444-6950Fax: (303) 444-0267E-mail: [email protected] In Charge: Kyle Lefkoff,General partnerWeb site: www.boulderventures.com

Brynn Grey Partners Ltd.777 Pearl St., Suite 200Boulder, CO 80302Phone: (303) 443-5610Fax: (303) 265-9871Person In Charge: David G. O’Neil

BV-Cornerstone Ventures LP11001 W. 120th Ave., Suite 310Broomfield, CO 80021Phone: (303) 410-2500Fax: (303) 466-9316E-mail: [email protected] In Charge: Tom McCloskey,Managing DirectorWeb site: www.bvcv.com

Colorado Venture Management Inc.4845 Pearl East Circle, Suite 300Boulder, CO 80301Phone: (303) 440-4055Fax: (303) 440-4636E-mail: [email protected] In Charge: Ed Wetherbee,Partner

Conscious Capital Fund LP1705 14th St., Suite 530Boulder, CO 80302Phone: (303) 443-8894E-mail: [email protected] In Charge: Michael Jude LopitzWeb site: www.consciouscapitalfund.com

Enhanced Capital Partners LLC8310 S. Valley Highway, 3rd FloorEnglewood, CO 80112Phone: (303) 524-1262Fax: (303) 524-1278E-mail: [email protected] In Charge: David T.Orlandella, Managing directorWeb site: www.enhancedcap.com

Greenmont Capital Partners1700 Lincoln St., Suite 2000Denver, CO 80203Phone: (303) 318-6510Fax: (801) 749-9873E-mail: [email protected] In Charge: David J.K. Link,PresidentWeb site: www.greenmontcapital.com

Hercules Technology GrowthCapital Inc.831 Pearl St.Boulder, CO 80302Phone: (303) 381-2618Fax: (303) 381-2631E-mail: [email protected] In Charge: Edward M.Messman, Managing directorWeb site: www.herculestech.com

Morgenthaler Ventures4430 Arapahoe Ave., Suite 220Boulder, CO 80303Phone: (303) 417-1601Fax: (303) 417-1602E-mail: [email protected] In Charge: Ralph E.Christoffersen, General partnerWeb site: www.morgenthaler.com

NewWest Capital Partners1025 Fifth St.Boulder, CO 80302Phone: (303) 247-1221Fax: (303) 832-6154E-mail: [email protected] In Charge: David Henry,Managing general partner; Dan

Arenberg and Chet WinterWeb site: www.mezzcap.com

Pegasus Ventures4430 Arapahoe Ave.Boulder, CO 80303Phone: (303) 546-9533Fax: (303) 546-9781

Venture Associates Ltd.4950 E. Evans Ave., Suite 105Denver, CO 80222Phone: (303) 758-8710Fax: (303) 758-8747E-mail: [email protected] In Charge: James Arkebauer,PartnerWeb site: www.venturea.com

Vista Ventures1011 Walnut St., 4th FloorBoulder, CO 80302Phone: (303) 543-5716Fax: (303) 543-5717E-mail: [email protected] In Charge: Lisa Rutherford,Venture partner; Catharine Merigold,General partner; Kirk Holland, Generalpartner; Molly Nasky, Vice president,Finance and Dave Dwyer, General partnerWeb site: www.vistavc.com

Vista Ventures315 W. Oak St.Fort Collins, CO 80521Phone: (970) 495-1800Fax: (970) 495-6757E-mail: [email protected]/Services: Venture capitalgroup with focus on start-upcompanies in the informationtechnology and hi-tech industries.Person In Charge: David E. Dwyer,General partnerWeb site: www.vistavc.com

Wallach Venture Partners, adivision of Keycorp’s McDonaldInvestments Inc. (FN)1401 17th St., Suite 750Denver, CO 80202-1245Phone: (303) 293-2800Fax: (303) 293-3914Person In Charge: Mike Franson

Wolf Ventures1600 Stout St., Suite 1510Denver, CO 80202Phone: (303) 321-4800Fax: (303) 321-4848E-mail: [email protected] In Charge: David O. Wolf,Managing partnerWeb site: www.wolfventures.com

At left: Greg Hughes, Presidentof GLH Construction, Inc.

Not available: Gary Smith,Vice President

Celebrating Business Ethics

April 19, 2007Reception at 5:00

Dinner event at 6:30Fort Collins

Marriott HotelDeadline April 13

Sponsor a tablePurchase tickets

970.224.4222 ext.111800.564.0370 ext.111

www.mountainstates.bbb.org

At GLH, we dig ethics. GLH Construction, Inc. of Windsor has a rock-solid reputation for honesty, integrityand quality construction.A general contractor and builder of pipelines and roads, GLH works only with subcontractorswith proven track records for quality and credibility. GLH is dedicated tovaluing not only thequality of their work, buttheir employees, theirfamilies and theircommunity. No wonder GLHreceived a TorchAward forBusiness Ethicsin 2006!

At left: JoeSchumacher,Secretary/Treasurer

“

Rotary Club Districts 5440, 5450 & 5470

Professional Finance Company

Sponsored by

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It’s just good business.Mountain States Better Business Bureau® Foundation

Where a handshake still has meaning®

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