Agr Page 10A By BEN LEDBETTER Staff Writer Cleveland County Department of Social Services said she ex- pects an increase in applicants from last year. “With the layoffs and increase in our other programs, we'll see an increase in this also,” Bridges said. Cleveland County’s jobless rate has led the state for consec- utive months, and its expected to climb when layoffs from some companies start. One option for fuel assistance A ¢ With winter weather coming QL to Cleveland County, many area residents will be searching for & “ways to pay for heat and other essentials. ~ Although gas prices have fall- en since last winter, many Cleveland County residents will not be able to take advan- tage of it because of layoffs. - Kandi Bridges, with the “COMMITMENT TO SERvice. 2001 BUICK CENTURY CUSTOM St. #G2463 .. Maroon. : 2 Jo Choose From HE. | Ww $13,900 | TO VISTORONEAD, HWY 74 BYPASS + SHELBY,NC - ~ www.carterchev.com | ; Be 704-482-434 2 | CHEVROLET + OLDSMOBILE | or 1-800-290-2514 The Kings Mountain Herald is through the Cleveland County Department of Social services which will take appli- cations through November 16 for the federally funded pro- gram. The Low Income Energy Assistance Program is a pro- gram that provides a one-time cash payment to help eligible! families supplement their heat- ing bills. Checks will be mentlod} in February, and last year’s aver- age amount was $75.12. The amounts of checks are un- known until all applications are taken. The need for assistance can also stem from broader eco- nomic factors. - Sen. John Edwards said ap- - proximately one million North Carolinians did not earn enough to qualify for the tax re- bate checks that were approved by Congress earlier this year. “We need to get money in the hands of people who didn’t get any benefit from the rebate be- fore,” Sen. Edwards said. According to the county DSS, LIEAP payments will be target- ed toward all Food Assistance households active in the Food uel assistance available Stamp Information System as of Sept. 30 and those households will receive an automatic pay- ment if they meet the LIEAP guidelines.’ Other Food Assistance house- holds not eligible for the auto- matic payment will receive a letter advising them to apply at the DSS offices. To be eligible, families must meet an income test, be respon- sible for the household’s heat- ing bill, be a U.S. citizen, have household assets not over $2,220. DSS said the monthly in- come limit for a family of four is $1,618. Although no numbers are available for the amount of this year’s applicants, Bridges said the layoffs in Cleveland County would contribute to increases in people seeking assistance. “When people are out of work, they're going to go after any assistance that’s available,” Bridges said. =. In Kings Mountain, Becky Lineberger, with the Crisis Ministry said she has seen a higher amount of new people come in, with most people seek- ing help with food and power bills. ww.shelb LLL RA o www.shelb LAL ° www.shelb CT ° WWW. sholbymotorcars. com ° LAA ymotorcars.com 1998 Saturn Stk.# P2301 *149/m 1996 Pontiac (AT | i, Plymouth ;, “" Voyager “" Stk.# P2236A _*179/ Stk.# P2304A 1 89/ mo. 1998 [yr hes Stk.# P2299 #159 1996 _.. Chewy . “8.10 Ext. Cab Stk.# P2291A, V6 *196/™ 1997 Chrysler Sebring Stk.# P2315. $93 g/ mo. 1999 Isuzu - Rodeo : YS Re iE C3673A i 5001 ww Dodge Stratus Stk.# P2324 te didi Li [1k Dodge Stratus RSE Dk Pl ; 11: Aa *2002- 2000, 42 mos¥ ® 7.69%: 99-98, 72 mos. @7.95%; 97-95 60 mos. @ 8.20%; Subject to credit approval. 1997 Isuzu Trooper Stk.# P2241A $259/me: pL o Liens * Slow Pays Collections ¢ "Bankruptcies | Had Some Past Credit Problems?? Call Our Confi dential Credit Hotline’ 1-800-265-8256 | Experts On Saft Dedicated to Getng You A Loan Approval| ’ : 9 » 1997 Ford Ranger Stk.# P2223 *169/™ YT TT Le gTTS el li Stk.# C3832A $169 /™- Stk.# J1278B $209/ LR 1998 . Toyota. Camry LE Stk.# P2251 $229/me. 1997 Suan deep ‘Cherokee 4x4 *' Stk.# P2250 $939/ mo. RPTL Keke) Chrysler Cirrus Stk.# P2308 1999 Subaru Legacy Outback Stk.# C3826A 5294/m- 1999 Lincoln Town Car Stk.#C3836A *369/™ Ere |B — Bivd., Shelby, North RO VT ot 484-0049 9-8pm * SAT. 9-6pm ® Closed SUN. Re-Establish " Your Credit Today With Zero Down! Don Fontenot, Jr. Special Finance Manager ® Shelby Motors CHRYSLER Jr Charlotte Gastonia Kings Mountain PT LE EF EST CT) CI EL LR TT eb w.shelbymotorcars.com o www.shelbymotorcars.com ¢ www.shelbymotorcars.com ° www.shelbymotorcars.com * www. shelbymotorcars. com EF EE ITI TITTIES CIE RT res TT EE TE LI CL LC ED LE NT LE RS CR I CLC EL CV ST TT Ye November 8, 2004 GARY STEWART / THE HERALD Shannon Roberts was showing her support for Mayor Rick Murphrey outside precinct #3, the Christian Ministry Center of First Baptist Church, Tuesday morning. First National 18th in bank rankings By BEN LEDBETTER Staff Writer Shelby based First National Bank was ranked 18th in the Business North Carolina annual poll'of banks and thrift institu- tions, which ranked banks by revenue in 2000. First National, which has branches in Cleveland and Gaston Counties, had revenue of $22.4 million in 2000 and had a net income of $7.2 million for the same year. The Shelby bank also had one of the best return on assets among polled banks at 1.41 per- cent, and an efficiency ratio of 52.3 percent. Other area banks included in the poll were Cherryville Federal Savings and Loan; which posted an wificiericy fatio of 52.9 among its banking sub- sidiaries, First Gaston Bank of NC was ranked 51st in the poll and gained six spots from the 2000 poll, Gaston Federal was ranked 34th which was a drop of four spots from last year, and Lincolnton’s First Federal Savings and Carolina Trust Bank came in 53rd and 110th re- spectively. First Federal dropped four - spots from last year and Carolina Trust was not ranked in the 2000 poll. This year’s poll did not in- clude the merger of Charlotte's First Union and Winston- Salem’s Wachovia. The first five spots in the poll remained unchanged this year, as Charlotte’s Bank of America and First Union came in first and second respectively. Wachovia, Winston-Salem based BB&T, and Raleigh's First Citizens Bank rounded out the top five. Charlotte’s First Charter Bank, which has branches across Cleveland County, was ranked sixth, moving from the seventh spot in 2000. Bank of Granite, was the first among small-town banks in the poll in the seventh spot, moving ahead one spot from last year’s poll. The Granite Falls based bark, which has branches in the Hickory area, had $44.7 million in revenue during 2000 and net income of $15.6 million. Lecture Series at Gardner-Webb Tom English of the Cline Observatory at Guilford . Technical Community College will give a lecture on eclipse ex- ~ peditions at 7. .p-m. Thursday, Nov: 8 in the Blanton Auditorium of Hamrick Hall at Gardner-Webb University. Following the lecture, there will be a reception in Hamrick Hall's Tucker Library. English will present a topic entitled “Shadow and Light: Solar Eclipse Expeditions and the Rise of American Astrophysics. ” He will discuss astronomers’ struggle to unrav- el the mysteries of the sun. English is a former professor at GWU. i For more information call Dr. Joyce Brown at 406-4409. ge pl 0 i a : PRA S ERE Sma i: a M x Ww x. HE We a 1 ® a i DY nA yt & i a iY 8 Se ES 3 nt RE SI TE J Th

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