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	<title>Discover Clarksville Tennessee &#187; Business</title>
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		<title>Wyatt-Johnson Announces Acquisition of Toyota Franchise</title>
		<link>http://www.discoverclarksville.com/articles/2012/02/08/wyatt-johnson-announces-acquisition-of-toyota-franchise/</link>
		<comments>http://www.discoverclarksville.com/articles/2012/02/08/wyatt-johnson-announces-acquisition-of-toyota-franchise/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 01:00:43 +0000</pubDate>
		<dc:creator>News Staff</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Bill Powers]]></category>
		<category><![CDATA[Buick]]></category>
		<category><![CDATA[Business Spotlight]]></category>
		<category><![CDATA[Clarksville TN]]></category>
		<category><![CDATA[FJ Cruiser]]></category>
		<category><![CDATA[GMC]]></category>
		<category><![CDATA[Hyundai]]></category>
		<category><![CDATA[Joe Heitz Toyota]]></category>
		<category><![CDATA[Katherine Cannata]]></category>
		<category><![CDATA[Kraft Street]]></category>
		<category><![CDATA[Mazda]]></category>
		<category><![CDATA[Prius]]></category>
		<category><![CDATA[Subaru]]></category>
		<category><![CDATA[Tacoma]]></category>
		<category><![CDATA[Toyota Camry]]></category>
		<category><![CDATA[Tundra]]></category>
		<category><![CDATA[Wilma Rudolph Boulevard]]></category>
		<category><![CDATA[Wyatt-Johnson Auto Group]]></category>
		<category><![CDATA[Wyatt-Johnson Toyota]]></category>

		<guid isPermaLink="false">http://www.discoverclarksville.com/articles/?p=9973</guid>
		<description><![CDATA[The longtime Clarksville auto family will take over Joe Heitz Toyota and begin selling Toyota cars &#38; trucks immediately Clarksville, TN &#8211; The Wyatt-Johnson Automotive Group has officially announced their acquisition of Joe Heitz Toyota and will add the world’s largest automobile manufacturer to their list of fine quality automotive brands the longtime Clarksville business [...]]]></description>
			<content:encoded><![CDATA[<p><span style="color: #000080;"><em><strong>The longtime Clarksville auto family will take over Joe Heitz Toyota and begin selling Toyota cars &amp; trucks immediately</strong></em></span></p>
<p><img class="alignleft size-full wp-image-66249" title="Wyatt-Johnson Auto Group" src="http://www.clarksvilleonline.com/wp-content/uploads/2011/03/Wyatt-Johnson-Auto-Group.gif" alt="Wyatt-Johnson Auto Group" width="250" height="54" /><strong>Clarksville, TN</strong> &#8211; The Wyatt-Johnson Automotive Group has officially announced their acquisition of Joe Heitz Toyota and will add the world’s largest automobile manufacturer to their list of fine quality automotive brands the longtime Clarksville business offers. Wyatt-Johnson already offers GMC, Buick, Subaru, Hyundai, and Mazda new and used vehicles, and effective immediately, now will also offer Toyota cars and trucks as well.</p>
<p>“We’ve been interested in the Toyota franchise for several years. Toyota is a very strong brand and its customer base is very loyal,” said Wyatt-Johnson owner and Dealer Principal Katherine Cannata. “Their product is so dependable and quality-built. We are extremely proud to add them to our fleet.”<div style="padding-left:10px;padding-bottom:5px;float:right;"><div id="contentad"><a href="http://www.clarksvilleonline.com/cols/www/delivery/ck.php?oaparams=2__bannerid=174__zoneid=9__cb=b3e6c0bdb3__oadest=http%3A%2F%2Fbhghometownconnection.com%2F"   target="_blank"><img src='http://www.clarksvilleonline.com/cols/www/images/3af858754058478520ddc56d75ad680c.jpg' width='320' height='250' alt='' title='' border='0' /></a><div id='beacon_b3e6c0bdb3' style='position: absolute; left: 0px; top: 0px; visibility: hidden;'><img src='http://www.clarksvilleonline.com/cols/www/delivery/lg.php?bannerid=174&amp;campaignid=70&amp;zoneid=9&amp;loc=http%3A%2F%2Fwww.discoverclarksville.com%2Farticles%2Fcategory%2Fbusiness%2Ffeed%2F&amp;cb=b3e6c0bdb3' width='0' height='0' alt='' style='width: 0px; height: 0px;' /></div></div></div>The current Joe Heitz Toyota Dealership at 1650 Wilma Rudolph Boulevard will remain open, but will now be called Wyatt-Johnson Toyota, and the former employees of Joe Heitz will continue to work as before, but now under the Wyatt-Johnson name.</p>
<p>“The Joe Heitz Toyota staff are a great group of people and really pride themselves on delivering quality customer service, said Cannata. “We are anxious and excited to bring them into the Wyatt-Johnson family and join our wonderful staff. We have a tremendous team of leaders, including Sidney Johnson, Dealer Principal, and Bill Powers, General Manager of Hyundai Subaru Mazda, and with their help we will make this transition as smooth as possible.”</p>
<p>With the acquisition, Wyatt-Johnson will now be able to offer such quality Toyota vehicles such as the Toyota Camry (the top-selling car in the U.S. for the past nine years), the Prius (the best-selling hybrid vehicle in the world), as well as Toyota trucks and SUVs such as the Tacoma, the Tundra, and the FJ Cruiser.</p>
<p>“Although there are plenty of expansion opportunities nationwide, we are happy to be investing in another Clarksville area business,” said Cannata. “Clarksville’s new vehicle sales are up 19% over 2010 and has proven time and time again to be a stable growing market and we are pleased to be able to expand in this wonderful city.”</p>
<h3>About the Wyatt-Johnson Automotive Group</h3>
<p>With more than 60 years in the automobile business, the Wyatt-Johnson Automotive Group is proud to be the premier dealership in Tennessee. Today, the family-owned business offers Buick, GMC, Subaru, Hyundai, and Mazda new and certified pre-owned vehicles. Comprehensive services also include repair and maintenance, parts and accessories, and auto-financing. Stores are located at 2425 and 2600 Wilma Rudolph Blvd and 809 Kraft Street in Clarksville, Tennessee.</p>
<p>Visit the <a target="_blank" href="http://www.WyattJohnson.com"  >www.WyattJohnson.com</a> to learn more.</p>
]]></content:encoded>
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		<title>The Weekly Market Snapshot from Frazier Allen for the week of February 5th, 2012</title>
		<link>http://www.discoverclarksville.com/articles/2012/02/05/the-weekly-market-snapshot-from-frazier-allen-for-the-week-of-february-5th-2012/</link>
		<comments>http://www.discoverclarksville.com/articles/2012/02/05/the-weekly-market-snapshot-from-frazier-allen-for-the-week-of-february-5th-2012/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 16:00:44 +0000</pubDate>
		<dc:creator>Frazier Allen</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Capacity Utilization]]></category>
		<category><![CDATA[Consumer Price Index]]></category>
		<category><![CDATA[Economic Data]]></category>
		<category><![CDATA[European Debt]]></category>
		<category><![CDATA[Federal Open Market Committee]]></category>
		<category><![CDATA[Financial Markets]]></category>
		<category><![CDATA[Frazier Allen]]></category>
		<category><![CDATA[Global Equity Markets]]></category>
		<category><![CDATA[Gross Domestic Product]]></category>
		<category><![CDATA[Index of Leading Economic Indicators]]></category>
		<category><![CDATA[Manufacturing Output]]></category>
		<category><![CDATA[Raymond James]]></category>
		<category><![CDATA[Raymond James Investment Services]]></category>
		<category><![CDATA[Scott J. Brown]]></category>
		<category><![CDATA[Seasonal Adjustment]]></category>
		<category><![CDATA[Short-Term Interest Rates]]></category>
		<category><![CDATA[Volatility]]></category>
		<category><![CDATA[Weekly Market Snapshot]]></category>

		<guid isPermaLink="false">http://www.discoverclarksville.com/articles/?p=9925</guid>
		<description><![CDATA[Market Commentary by Scott J. Brown, Ph.D., Chief Economist The economic data were mixed, but remained consistent with moderate growth in the near term. Consumer confidence fell in January. Motor vehicle sales picked up. Home prices were still falling in November. Construction spending improved in December (likely reflecting mild weather). The January Employment Report was [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="size-full wp-image-43602 aligncenter" title="Weekly Market Snapshot" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/08/weekly-market-snapshot.jpg" alt="Weekly Market Snapshot" width="480" height="71" /></p>
<p><strong><em><span style="color: #000080;">Market Commentary by Scott J. Brown, Ph.D., Chief Economist</span></em></strong></p>
<div id="attachment_35840" class="wp-caption alignleft" style="width: 169px"><img class="size-thumbnail wp-image-35840 " title="Scott J. Brown Ph.D., Chief Economist Raymond James Investment Services" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/05/scottjbrown-159x200.jpg" alt="Scott J. Brown Ph.D., Chief Economist Raymond James Investment Services" width="159" height="200" /><p class="wp-caption-text">Scott J. Brown Ph.D., Chief Economist Raymond James Investment Services</p></div>
<p>The economic data were mixed, but remained consistent with moderate growth in the near term. Consumer confidence fell in January. Motor vehicle sales picked up. Home prices were still falling in November. Construction spending improved in December (likely reflecting mild weather). The January Employment Report was stronger than expected, helped by mild weather. Nonfarm payrolls rose by 243,000 and the two previous months were revised a net 60,000 higher (note that payrolls fell by 2.689 million in January before seasonal adjustment).</p>
<p>The unemployment rate fell to 8.3%, from 8.5% in December and 9.1% a year ago, due largely to a drop in labor force participation. The employment/population ratio held steady at 58.5%, little changed over the last two years. The Household Survey results noted that 206,000 people were not able to work during the January survey period due to adverse weather, vs. a 425,000 average over the last five Januarys (this figure is not directly comparable to the payroll numbers, but it gives you an idea of the magnitude of the weather impact).<div style="padding-left:10px;padding-bottom:5px;float:right;"><div id="contentad"><a href="http://www.clarksvilleonline.com/cols/www/delivery/ck.php?oaparams=2__bannerid=41__zoneid=9__cb=07a53c606e__oadest=http%3A%2F%2Fwww.silkesoldworldbreads.com"   target="_blank"><img src='http://www.clarksvilleonline.com/cols/www/images/ad-silkes-old-world-breads_2.gif' width='193' height='250' alt='Silke&#039;s Old World Breads' title='Silke&#039;s Old World Breads' border='0' /></a><div id='beacon_07a53c606e' style='position: absolute; left: 0px; top: 0px; visibility: hidden;'><img src='http://www.clarksvilleonline.com/cols/www/delivery/lg.php?bannerid=41&amp;campaignid=9&amp;zoneid=9&amp;loc=http%3A%2F%2Fwww.discoverclarksville.com%2Farticles%2Fcategory%2Fbusiness%2Ffeed%2F&amp;cb=07a53c606e' width='0' height='0' alt='' style='width: 0px; height: 0px;' /></div></div></div></p>
<p>In his testimony to the House Budget Committee, Fed Chairman Bernanke noted that the recovery has been <em>&#8220;frustratingly slow&#8221;</em> and remains vulnerable to shocks. He said <em>&#8220;the outlook remains uncertain&#8221;</em> and needs to be monitored closely. Bernanke said that the federal budget deficit will decrease as the economy recovers and tax revenues rebound. However, even after economic conditions return to normal, <em>&#8220;the nation will still face a sizeable structural budget gap.&#8221;</em> And then, even if discretionary spending were cut to zero, we would still have a deficit. When asked if the Fed’s dual targeting system implied that the Fed would tolerate higher inflation in the short term in order to push unemployment lower, Bernanke said that the Fed will not seek to raise inflation.</p>
<p>Next week, the economic calendar thins out considerably. Bernanke testifies on Tuesday, but this is expected to be a repeat of what he gave the House Budget Committee. The markets typically don’t pay much attention to the monthly trade data, but the December figures have some implications for GDP revisions.</p>
<h3>Indices</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>Last Week</strong></td>
<td><strong>YTD return %</strong></td>
</tr>
<tr>
<td valign="top">DJIA</td>
<td valign="top">12705.41</td>
<td valign="top">12734.63</td>
<td valign="top">3.99%</td>
</tr>
<tr>
<td valign="top">NASDAQ</td>
<td valign="top">2859.68</td>
<td valign="top">2805.28</td>
<td valign="top">9.77%</td>
</tr>
<tr>
<td valign="top">S&amp;P 500</td>
<td valign="top">1325.54</td>
<td valign="top">1318.43</td>
<td valign="top">5.40%</td>
</tr>
<tr>
<td valign="top">MSCI EAFE</td>
<td valign="top">1518.58</td>
<td valign="top">1505.67</td>
<td valign="top">7.51%</td>
</tr>
<tr>
<td valign="top">Russell 2000</td>
<td valign="top">812.89</td>
<td valign="top">792.91</td>
<td valign="top">9.71%</td>
</tr>
</tbody>
</table>
<p>&nbsp;</p>
<h3>Consumer Money Rates</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-year ago</strong></td>
</tr>
<tr>
<td valign="top">Prime Rate</td>
<td valign="top">3.25</td>
<td valign="top">3.25</td>
</tr>
<tr>
<td valign="top">Fed Funds</td>
<td valign="top">0.11</td>
<td valign="top">0.18</td>
</tr>
<tr>
<td valign="top">30-year mortgage</td>
<td valign="top">3.85</td>
<td valign="top">4.84</td>
</tr>
</tbody>
</table>
<p>&nbsp;</p>
<h3>Currencies</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-year ago</strong></td>
</tr>
<tr>
<td valign="top">Dollars per British Pound</td>
<td valign="top">1.581</td>
<td valign="top">1.617</td>
</tr>
<tr>
<td valign="top">Dollars per Euro</td>
<td valign="top">1.315</td>
<td valign="top">1.379</td>
</tr>
<tr>
<td valign="top">Japanese Yen per Dollar</td>
<td valign="top">76.160</td>
<td valign="top">81.670</td>
</tr>
<tr>
<td valign="top">Canadian Dollars per Dollar</td>
<td valign="top">1.000</td>
<td valign="top">0.989</td>
</tr>
<tr>
<td valign="top">Mexican Peso per Dollar</td>
<td valign="top">12.829</td>
<td valign="top">12.030</td>
</tr>
</tbody>
</table>
<p>&nbsp;</p>
<h3>Commodities</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-year ago</strong></td>
</tr>
<tr>
<td valign="top">Crude Oil</td>
<td valign="top">96.36</td>
<td valign="top">90.86</td>
</tr>
<tr>
<td valign="top">Gold</td>
<td valign="top">1755.33</td>
<td valign="top">1329.98</td>
</tr>
</tbody>
</table>
<p>&nbsp;</p>
<h3>Bond Rates</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-month ago</strong></td>
</tr>
<tr>
<td valign="top">2-year treasury</td>
<td valign="top">0.23</td>
<td valign="top">0.27</td>
</tr>
<tr>
<td valign="top">10-year treasury</td>
<td valign="top">1.93</td>
<td valign="top">2.01</td>
</tr>
<tr>
<td valign="top">10-year municipal (TEY)</td>
<td valign="top">2.66</td>
<td valign="top">2.89</td>
</tr>
</tbody>
</table>
<p>&nbsp;</p>
<h3>Treasury Yield Curve – 2/3/2012<strong> </strong></h3>
<p><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/treasury-curve-020312.gif"   class="thickbox no_icon" rel="gallery-9925" title="Treasury Yield Curve – 2/3/2012"><img class="aligncenter size-full wp-image-106477" title="Treasury Yield Curve – 2/3/2012" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/treasury-curve-020312.gif" alt="Treasury Yield Curve – 2/3/2012" width="467" height="341" /></a></p>
<h3>S&amp;P Sector Performance (YTD) – 2/3/2012<strong> </strong></h3>
<p><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/sp-sector-performance020312.gif"   class="thickbox no_icon" rel="gallery-9925" title="S&amp;P Sector Performance (YTD) – 2/3/2012"><img class="aligncenter size-full wp-image-106478" title="S&amp;P Sector Performance (YTD) – 2/3/2012" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/sp-sector-performance020312.gif" alt="S&amp;P Sector Performance (YTD) – 2/3/2012" width="450" height="304" /></a></p>
<h3>Economic Calendar</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td valign="top"><strong>February 7th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Bernanke Testimony (Senate Budget Committee)</td>
</tr>
<tr>
<td valign="top"><strong>February 9th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Jobless Claims (week ending February 4th)</td>
</tr>
<tr>
<td valign="top"><strong>February 10th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Trade Balance (December)<br />
Consumer Sentiment (mid-January)</td>
</tr>
<tr>
<td valign="top"><strong>February 14th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Retail Sales (January)</td>
</tr>
<tr>
<td valign="top"><strong>February 15th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Industrial Production (January)</td>
</tr>
<tr>
<td valign="top"><strong>February 16th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Producer Price Index (January)<br />
Building Permits, Housing Starts (January)</td>
</tr>
<tr>
<td valign="top"><strong>February 17th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Consumer Price Index (January)</td>
</tr>
<tr>
<td valign="top"><strong>February 20th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">President’s Day Holiday (markets closed)</td>
</tr>
<tr>
<td valign="top"><strong>March 9th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Employment Report (February)</td>
</tr>
<tr>
<td valign="top"><strong>March 13th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">FOMC Policy Decision (no press briefing)</td>
</tr>
</tbody>
</table>
<h3>Important Disclosures</h3>
<p>Past performance is not a guarantee of future results. There are special risks involved with global investing related to market and currency fluctuations, economic and political instability, and different financial accounting standards. The above material has been obtained from sources considered reliable, but we do not guarantee that it is accurate or complete. There is no assurance that any trends mentioned will continue in the future. While interest on municipal bonds is generally exempt from federal income tax, it may be subject to the federal alternative minimum tax, state or local taxes. In addition, certain municipal bonds (such as Build America Bonds) are issued without a federal tax exemption, which subjects the related interest income to federal income tax. Investing involves risk and investors may incur a profit or a loss.</p>
<p>US government bonds and treasury bills are guaranteed by the US government and, if held to maturity, offer a fixed rate of return and guaranteed principal value. US government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the US government.</p>
<p>Commodities trading is generally considered speculative because of the significant potential for investment loss. Markets for commodities are likely to be volatile and there may be sharp price fluctuations even during periods when prices overall are rising. Specific sector investing can be subject to different and greater risks than more diversified investments.</p>
<p>Tax Equiv Muni yields (TEY) assume a 35% tax rate on triple-A rated, tax-exempt insured revenue bonds.</p>
<p><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2010/06/Raymond-James-logo.jpg"   class="thickbox no_icon" rel="gallery-9925" title="Raymond James logo"><img class="alignright size-thumbnail wp-image-37468" title="Raymond James logo" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/06/Raymond-James-logo-200x39.jpg" alt="" width="200" height="39" /></a>Material prepared by Raymond James for use by its financial advisors.</p>
<p>The information contained herein has been obtained from sources considered reliable, but we do not guarantee that the foregoing material is accurate or complete. Data source: Bloomberg, as of close of business February 2nd, 2012.</p>
<p>©2012 Raymond James Financial Services, Inc. member <a href="http://www.finra.org/"   target="_blank">FINRA</a> / <a href="http://www.sipc.org/"   target="_blank">SIPC</a>.</p>
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		<title>Publix opens first store in Clarksville Tennessee</title>
		<link>http://www.discoverclarksville.com/articles/2012/02/03/publix-opens-first-store-in-clarksville-tennessee/</link>
		<comments>http://www.discoverclarksville.com/articles/2012/02/03/publix-opens-first-store-in-clarksville-tennessee/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 06:05:29 +0000</pubDate>
		<dc:creator>Bill Larson</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Big Brothers Big Sisters]]></category>
		<category><![CDATA[Boar's Head]]></category>
		<category><![CDATA[Brenda Burkhardt]]></category>
		<category><![CDATA[Business Spotlight]]></category>
		<category><![CDATA[Carolyn Bowers]]></category>
		<category><![CDATA[Clarksville Area Chamber of Commerce]]></category>
		<category><![CDATA[Clarksville-Montgomery County Education Foundation]]></category>
		<category><![CDATA[Geno Grubbs]]></category>
		<category><![CDATA[Grand Opening]]></category>
		<category><![CDATA[Jimmy Terry]]></category>
		<category><![CDATA[Kim McMillan]]></category>
		<category><![CDATA[Madison Street Commons]]></category>
		<category><![CDATA[Norman Rubio Jr.]]></category>
		<category><![CDATA[Philanthropy]]></category>
		<category><![CDATA[Phyllis Fox]]></category>
		<category><![CDATA[Publix]]></category>
		<category><![CDATA[Ribbon Cutting]]></category>
		<category><![CDATA[Tabernacle Baptist Church]]></category>
		<category><![CDATA[United Way]]></category>

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		<description><![CDATA[Clarksville, TN &#8211; Yesterday morning Publix held the grand opening and ribbon cutting for their newest location, the store is the first of three Publix locations planned for our area. Shoppers started lining up outside the store with the first arriving around 3:00am, and the bulk starting to arrive around 5:00am for the 6:45am ribbon [...]]]></description>
			<content:encoded><![CDATA[<p><strong><img class="alignleft  wp-image-42646" title="publix1" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/08/publix1-165x200.jpg" alt="" width="115" height="140" />Clarksville, TN</strong> &#8211; Yesterday morning Publix held the grand opening and ribbon cutting for their newest location, the store is the first of three Publix locations planned for our area. Shoppers started lining up outside the store with the first arriving around 3:00am, and the bulk starting to arrive around 5:00am for the 6:45am ribbon cutting.</p>
<p>The Clarksville-Area Chamber of Commerce conducted the ribbon cutting with Store Manager Norman Rubio Jr. doing the honors, with Montgomery County Mayor Carolyn Bowers and Clarksville Mayor Kim McMillan holding the ribbon.</p>
<div id="attachment_106166" class="wp-caption aligncenter" style="width: 490px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7356.jpg"   class="thickbox no_icon" rel="gallery-9894" title="The Ribbon Cutting opens the new Publix Grocery Store on Madison Street"><img class="size-medium wp-image-106166 " title="The Ribbon Cutting opens the new Publix Grocery Store on Madison Street" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7356-480x320.jpg" alt="The Ribbon Cutting opens the new Publix Grocery Store on Madison Street" width="480" height="320" /></a><p class="wp-caption-text">The Ribbon Cutting opens the new Publix Grocery Store on Madison Street</p></div>
<p><div style="padding-left:10px;padding-bottom:5px;float:right;"><div id="contentad"><a href="http://www.clarksvilleonline.com/cols/www/delivery/ck.php?oaparams=2__bannerid=41__zoneid=9__cb=379591580b__oadest=http%3A%2F%2Fwww.silkesoldworldbreads.com"   target="_blank"><img src='http://www.clarksvilleonline.com/cols/www/images/ad-silkes-old-world-breads_2.gif' width='193' height='250' alt='Silke&#039;s Old World Breads' title='Silke&#039;s Old World Breads' border='0' /></a><div id='beacon_379591580b' style='position: absolute; left: 0px; top: 0px; visibility: hidden;'><img src='http://www.clarksvilleonline.com/cols/www/delivery/lg.php?bannerid=41&amp;campaignid=9&amp;zoneid=9&amp;loc=http%3A%2F%2Fwww.discoverclarksville.com%2Farticles%2Fcategory%2Fbusiness%2Ffeed%2F&amp;cb=379591580b' width='0' height='0' alt='' style='width: 0px; height: 0px;' /></div></div></div></p>
<p>The crowds started gathering at 3:00am for the 6:45am opening, with the bulk of the crowd starting to arrive at 4:00am. The first twenty five people in line received a $25.00 bag with some free groceries. When the doors opened the ribbon cutting ceremony began.</p>
<p>The VIP guests and assembled shoppers were welcomed to the new store by Manager Norman Rubio, who has been with the chain for over twenty years. He got his start bagging groceries and worked his way up the chain until he was managing stores in the Atlanta market. He also was part of the team that opening the first Publix store in Tennessee 9 years ago in Hermitage Tennessee. &#8220;This is as exciting (opening the store in Hermitage), if not more so; coming to Clarksville as a new market. We have been so well received; you have welcomed us with open arms,&#8221; he said.</p>
<div id="attachment_106169" class="wp-caption alignleft" style="width: 210px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7337.jpg"   class="thickbox no_icon" rel="gallery-9894" title="Store Manager Norman Rubio Jr. addresses the crowd "><img class="size-thumbnail wp-image-106169" title="Store Manager Norman Rubio Jr. addresses the crowd " src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7337-200x133.jpg" alt="Store Manager Norman Rubio Jr. addresses the crowd" width="200" height="133" /></a><p class="wp-caption-text">Store Manager Norman Rubio Jr. addresses the crowd</p></div>
<p>Rubio takes his commitment to his customers very seriously, &#8220;I look forward to serving the community along with my team and staff&#8230;My office is out here on the sales floor along with my staff. Approach me, ask me questions, I’ll serve you as best I can. If there are things or items that the store does not carry that is a favorite and you haven’t seen it in a while, I pledge to you, I sincerely pledge to you that I will do my best to get you anything that you want to bring home to serve your family and your friends.&#8221;</p>
<div id="attachment_106171" class="wp-caption alignright" style="width: 210px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7342.jpg"   class="thickbox no_icon" rel="gallery-9894" title="Montgomery County Mayor Carolyn Bowers addresses the crowd "><img class="size-thumbnail wp-image-106171" title="Montgomery County Mayor Carolyn Bowers addresses the crowd " src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7342-200x133.jpg" alt="Montgomery County Mayor Carolyn Bowers addresses the crowd " width="200" height="133" /></a><p class="wp-caption-text">Montgomery County Mayor Carolyn Bowers addresses the crowd</p></div>
<p>After Rubio finished speaking Montgomery County Mayor Carolyn Bowers addressed the crowd, &#8220;This is the first day of the first Publix in Clarksville, Tennessee and that is something that we should all be excited about. Yesterday Publix committed to being a part of our community and serving our community by presenting two $1,000 checks, one to United Way, and one to the Clarksville-Montgomery County Education Foundation. That is a great way to start supporting our community. We know that the Publix Corporation is fantastic company for their employees, our citizens, and our community. It’s owned by their employees and they are really committed to serving their customers and our community. We are so excited about the quality of their merchandise and their service. We are really excited to have them as a partner in our community. It wasn’t too long ago; June 2010 were we were breaking ground, and here today we are opening the store. So congratulations Publix we welcome you!&#8221;</p>
<div id="attachment_106176" class="wp-caption alignleft" style="width: 210px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7347.jpg"   class="thickbox no_icon" rel="gallery-9894" title="Clarksville Mayor Kim McMillan addresses the crowd"><img class="size-thumbnail wp-image-106176" title="Clarksville Mayor Kim McMillan addresses the crowd" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7347-200x133.jpg" alt="Clarksville Mayor Kim McMillan addresses the crowd" width="200" height="133" /></a><p class="wp-caption-text">Clarksville Mayor Kim McMillan addresses the crowd</p></div>
<p>She was followed by Clarksville Mayor Kim McMillan. Mayor McMillan started off addressing the people who braved the early morning hours to be at the front of the line to get in the new store, &#8220;I am happy about these first 25 people, I know you were here early to be the first 25 people in line. That’s right!&#8221; She then joked about both her and Mayor Bowers wearing &#8220;Publix green&#8221; jackets, &#8220;This is how excited Mayor Bowers and I are, we thought that we were not coming to cut the ribbon but to come to work, so we kinda dressed like everybody else! I think after this is over we can go over there and start working, and they would welcome us because that is how Publix is.&#8221;</p>
<p>She then spoke about how proud Clarksville was to have Publix choose to come to our community, &#8220;We are so excited to have this store here in this community. In addition to the checks that you already heard, they also gave $1,000 to Big Brothers, Big Sisters. I think what that shows is their commitment to this community. Their employees are here, they are all smiling, and ready to go to work. I am truly excited for the citizens of Clarksville to have this opportunity here with this wonderful corporate citizen. So welcome thank you for coming, thank you for being a part of our community! Thank you!&#8221;</p>
<p>Then it was time for the ribbon cutting. Rubio cut the ribbon after having the crowd join him in a countdown from 5. Then the audience broke into cheers and applause.</p>
<div id="attachment_106179" class="wp-caption aligncenter" style="width: 490px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7369.jpg"   class="thickbox no_icon" rel="gallery-9894" title="Shopping in the produce section"><img class="size-medium wp-image-106179" title="Shopping in the produce section" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7369-480x320.jpg" alt="Shopping in the produce section" width="480" height="320" /></a><p class="wp-caption-text">Shopping in the produce section</p></div>
<div id="attachment_106180" class="wp-caption alignleft" style="width: 210px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7376.jpg"   class="thickbox no_icon" rel="gallery-9894" title="The Deli"><img class="size-thumbnail wp-image-106180" title="The Deli" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7376-200x133.jpg" alt="The Deli" width="200" height="133" /></a><p class="wp-caption-text">The Deli</p></div>
<p>After the ribbon cutting the store was open to the public and crowds eagerly dispersed through the store. &#8220;We have here a great variety of fresh products and private label products that we wish for you to enjoy and purchase.&#8221; said Rubio. Among the unique features are the Bakery which bakes fresh breads and desserts in house; the full-service deli which provides a variety of Boar&#8217;s Head meats and cheeses, along with Rotisserie and fried chicken; the International Food section; fresh seafood; and an in house butcher shop. The shopping center has the usual variety of groceries that any supermarket in the world would have with an open and airy presentation.</p>
<p>Brenda Burkhardt, was the second person in line to get into the store. She said, &#8220;I have been looking forward to Publix coming to Clarksville for a long time. I used to go to the one in Nashville every once in a while but not very often because it was so far away. I liked their food and their generics are fantastic. I love their glass cleaner! Their meats are also excellent, they have very good meats here.&#8221;</p>
<div id="attachment_106183" class="wp-caption aligncenter" style="width: 490px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7459.jpg"   class="thickbox no_icon" rel="gallery-9894" title="Brenda Burkhardt checking out"><img class="size-medium wp-image-106183" title="Brenda Burkhardt checking out" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7459-480x320.jpg" alt="Brenda Burkhardt checking out" width="480" height="320" /></a><p class="wp-caption-text">Brenda Burkhardt checking out</p></div>
<div id="attachment_106184" class="wp-caption alignleft" style="width: 210px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7393.jpg"   class="thickbox no_icon" rel="gallery-9894" title="Rev. Jimmy Terry from Tabernacle Baptist Church inspects the new Publix store"><img class="size-thumbnail wp-image-106184" title="Rev. Jimmy Terry from Tabernacle Baptist Church inspects the new Publix store" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7393-200x133.jpg" alt="Rev. Jimmy Terry from Tabernacle Baptist Church inspects the new Publix store" width="200" height="133" /></a><p class="wp-caption-text">Rev. Jimmy Terry from Tabernacle Baptist Church inspects the new Publix store</p></div>
<p>Rev. Jimmy Terry from Tabernacle Baptist Church was on hand at the opening. He feels that the new store is a great boost for the community, “It says something about the growth of Clarksville that they came here with all the other markets that we already had, and they came here with all this, and then are already planning to build another one it says something about the Clarksville Community. Not to mention, competition is great!” They have been looking forward to the opening, “My wife and I have been looking forward to the store’s arrival since they announced it.”</p>
<p>Phyllis Fox was attending her first grand opening, “The store is beautiful, everything looks wonderfully delicious. The fruit is really fresh looking, and I can’t wait to get some good bread, their Whole Wheat breads.” She loves the fact that the store stocks a selection of raw nuts and sunflower seeds, and hopes they will consider adding pumpkin seeds to their selection.</p>
<p>City Council member Geno Grubbs was among the City Council members on hand at the opening, &#8220;I think this store is just beautiful, and it will be a great asset to the community. I mean look at how crowded this store is at 7:00am, it’s packed! With the great service and the wonderful staff that Publix has, this will be a great place to shop.&#8221;</p>
<div id="attachment_106185" class="wp-caption aligncenter" style="width: 490px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7457.jpg"   class="thickbox no_icon" rel="gallery-9894" title="A family shopping on opening day"><img class="size-medium wp-image-106185" title="A family shopping on opening day" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/IMG_7457-480x320.jpg" alt="A family shopping on opening day" width="480" height="320" /></a><p class="wp-caption-text">A family shopping on opening day</p></div>
<p>Drop by if you get a chance, the store is located where the old Memorial hospital was located, now the Madison Street Commons. The address is:</p>
<p>1771 Madison Street<br />
Clarksville, TN 37043-4990</p>
<p>You can contact them via telephone at Main: 931.551.7031; Fax: 931.551.7042; Pharmacy: 931.551.7036. You can visit their web site at <a target="_blank" href="http://www.publix.com/"  >http://www.publix.com/</a></p>
<h3>Photo Gallery</h3>
<p><a href="http://www.discoverclarksville.com/photogallery/business/publix-grand-opening/"  title="Publix Grand Opening Photo Gallery"  target="_blank">To view more photos</a> from the grand opening of the first Publix Grocery Store in Clarksville, TN <a href="http://www.discoverclarksville.com/photogallery/"  title="Discover Clarksville Photo Gallery"  target="_blank">visit our Photo Gallery</a></p>
<h3>Map</h3>

<h3>About Publix</h3>
<p><img class="alignleft  wp-image-42646" title="publix1" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/08/publix1-165x200.jpg" alt="" width="115" height="140" />Publix, a privately-held company operating stores in Florida, Georgia, South Carolina, Alabama and Tennessee, was founded by George W. Jenkins in 1930 in Winter Haven, Florida. It has grown into a Fortune 500 company with more than 1,000 stores and is one of the fastest growing employee-owned companies in the United States.Publix is known for its philosophy of pleasing the customer; the Publix guarantee to never knowingly disappoint our customers is legendary in the industry.</p>
<p>The Mission at Publix is to be the premier quality food retailer in the world. To that end we commit to be:</p>
<ul>
<li>Passionately focused on Customer Value,</li>
<li>Intolerant of Waste,</li>
<li>Dedicated to the Dignity, Value and Employment Security of our Associates,</li>
<li>Devoted to the highest standards of stewardship for our Stockholders, and</li>
<li>Involved as Responsible Citizens in our Communities.</li>
</ul>
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		<title>Clarksville Area Chamber of Commerce February Events</title>
		<link>http://www.discoverclarksville.com/articles/2012/02/01/clarksville-area-chamber-of-commerce-february-events/</link>
		<comments>http://www.discoverclarksville.com/articles/2012/02/01/clarksville-area-chamber-of-commerce-february-events/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 16:30:39 +0000</pubDate>
		<dc:creator>News Staff</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Alfred Thun Road]]></category>
		<category><![CDATA[APSU Foy Center]]></category>
		<category><![CDATA[Business After Hours]]></category>
		<category><![CDATA[Clarksville Area Chamber of Commerce]]></category>
		<category><![CDATA[Clarksville TN]]></category>
		<category><![CDATA[Crissy Haslam]]></category>
		<category><![CDATA[FBI]]></category>
		<category><![CDATA[FBI Cyber Crime Squad]]></category>
		<category><![CDATA[Federal Bureau of Investigation]]></category>
		<category><![CDATA[First Advantage Bank]]></category>
		<category><![CDATA[First Lady of Tennessee]]></category>
		<category><![CDATA[Furniture Connection]]></category>
		<category><![CDATA[Hilton Garden Inn]]></category>
		<category><![CDATA[Home and Garden Show]]></category>
		<category><![CDATA[Kiwanis Lodge]]></category>
		<category><![CDATA[Marion Street]]></category>
		<category><![CDATA[Mark Hays]]></category>
		<category><![CDATA[Montgomery County]]></category>
		<category><![CDATA[Old Russellville Pike]]></category>
		<category><![CDATA[Scott Augenbaum]]></category>
		<category><![CDATA[Women In Business]]></category>

		<guid isPermaLink="false">http://www.discoverclarksville.com/articles/?p=9879</guid>
		<description><![CDATA[Clarksville, TN &#8211; The Clarksville Area Chamber of Commerce announces upcoming events during the month of February. On Tuesday, February 7th, at 11:30am at the Hilton Garden Inn, 290 Alfred Thun Road, the Chamber will be presenting a Women In Business. Please join us for this very special Women In Business event, where the First [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft  wp-image-31732" title="Clarksville Area Chamber of Commerce" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/02/ClarksvilleChamber-479x218.jpg" alt="Clarksville Area Chamber of Commerce" width="241" height="110" /><strong>Clarksville, TN</strong> &#8211; The <span class='bm_keywordlink'><a href="http://www.clarksvillechamber.com/"   target="_blank">Clarksville Area Chamber of Commerce</a></span> announces upcoming events during the month of February.</p>
<p>On Tuesday, February 7th, at 11:30am at the Hilton Garden Inn, 290 Alfred Thun Road, the Chamber will be presenting a Women In Business. Please join us for this very special Women In Business event, where the First Lady of Tennessee, Crissy Haslam, will serve as the keynote speaker.</p>
<div id="attachment_105914" class="wp-caption aligncenter" style="width: 490px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/First-Lady-Crissy-Haslam2.jpg"   class="thickbox no_icon" rel="gallery-9879" title="First Lady of Tennessee, Crissy Haslam, will speak at the next Clarksville Area Chamber of Commerce Women in Business."><img class="size-medium wp-image-105914" title="First Lady of Tennessee, Crissy Haslam, will speak at the next Clarksville Area Chamber of Commerce Women in Business." src="http://www.clarksvilleonline.com/wp-content/uploads/2012/02/First-Lady-Crissy-Haslam2-480x360.jpg" alt="First Lady of Tennessee, Crissy Haslam, will speak at the next Clarksville Area Chamber of Commerce Women in Business." width="480" height="360" /></a><p class="wp-caption-text">First Lady of Tennessee, Crissy Haslam, will speak at the next Clarksville Area Chamber of Commerce Women in Business.</p></div>
<p><div style="padding-left:10px;padding-bottom:5px;float:right;"><div id="contentad"><a href="http://www.clarksvilleonline.com/cols/www/delivery/ck.php?oaparams=2__bannerid=210__zoneid=9__cb=7b9b8fa0d9__oadest=http%3A%2F%2Fwww.centerforaudiology.net%2F"   target="_blank"><img src='http://www.clarksvilleonline.com/cols/www/images/7156882a87280f6e746aeea124abc032.jpg' width='320' height='166' alt='' title='' border='0' /></a><div id='beacon_7b9b8fa0d9' style='position: absolute; left: 0px; top: 0px; visibility: hidden;'><img src='http://www.clarksvilleonline.com/cols/www/delivery/lg.php?bannerid=210&amp;campaignid=78&amp;zoneid=9&amp;loc=http%3A%2F%2Fwww.discoverclarksville.com%2Farticles%2Fcategory%2Fbusiness%2Ffeed%2F&amp;cb=7b9b8fa0d9' width='0' height='0' alt='' style='width: 0px; height: 0px;' /></div></div></div>As First Lady, she has been proactive on promoting her stance on education, literacy and making families more involved with their children&#8217;s education. At this Women in Business, she will share more about her education initiatives and the surprises and lessons learned during her time as the First Lady. The cost is $20.00 for Chamber members and $25.00 for non-members.</p>
<p>&nbsp;</p>
<p>On February 11th-12th, at the APSU Foy Center, 259 Marion Street, and the Chamber will be hosting the third annual Home and Garden Show, sponsored by Furniture Connection. The show is an excellent opportunity to get a head start on home and garden ideas for the spring.</p>
<p>It will offer the chance to meet vendors throughout the industry that can help with landscaping ideas, home improvement projects or tell you all about what is new and fashionable for your home. Show hours are Saturday from 9:00am to 6:00pm and Sunday from noon until 5:00pm. General admission is $5.00 and free for children under 12 and active duty military with valid I.D.</p>
<p>The Chamber’s Business After Hours will be held on Thursday, February 16th from 5:00pm-7:00pm. The event will be hosted by First Advantage Bank at the Kiwanis Lodge, 1601 Old Russellville Pike. Join us for food, networking and fun. Business After Hours is offered at no cost.</p>
<p>On Thursday, February 23rd, at 11:30am at the Hilton Garden Inn, 290 Alfred Thun Road, the Chamber will be presenting a Lunch &amp; Learn. At this Lunch &amp; Learn, Special Agent Scott Augenbaum from the FBI Cyber Crime Squad will be addressing the growing threat of cybercrime in Clarksville-Montgomery County.</p>
<p>Websites as common as Facebook and Twitter can give criminals the information they need to access your business and personal computers and steal intellectual property, potentially costing you thousands of dollars to fix. Don’t miss this informative session on how to keep your business safe from the threat of hackers. The cost is $20.00 for Chamber members and $25.00 for non-members.</p>
<p>For more information and to register for these events, please contact Mark Hays at 931.245.4339 or <script>MailGuard('markh','clarksville.tn')</script>.us.</p>
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		<title>Planters Bank Presents Checks to Rossview Schools</title>
		<link>http://www.discoverclarksville.com/articles/2012/01/31/planters-bank-presents-checks-to-rossview-schools/</link>
		<comments>http://www.discoverclarksville.com/articles/2012/01/31/planters-bank-presents-checks-to-rossview-schools/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 18:00:40 +0000</pubDate>
		<dc:creator>News Staff</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Business Spotlight]]></category>
		<category><![CDATA[Clarksville TN]]></category>
		<category><![CDATA[Jimmy Crawford]]></category>
		<category><![CDATA[Planters Bank]]></category>
		<category><![CDATA[Planters Bank Rossview Branch]]></category>
		<category><![CDATA[Rossview Elementary School]]></category>
		<category><![CDATA[Rossview High School]]></category>
		<category><![CDATA[Rossview Middel School]]></category>
		<category><![CDATA[Schanda Dowdy]]></category>
		<category><![CDATA[Stacey Wenzler]]></category>
		<category><![CDATA[Valerie Meadows]]></category>

		<guid isPermaLink="false">http://www.discoverclarksville.com/articles/?p=9859</guid>
		<description><![CDATA[Clarksville, TN &#8211; On Monday, January 30th, Planters Bank presented checks to Rossview High School and Rossview Middle School. A check was also sent to Rossview Elementary School. The bank donated $10.00 for each account opened between August 1st-December 31st at its new Planters Bank Rossview branch. Planters Bank Branch Manager and Assistant Vice President [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft  wp-image-29386" title="Planters Bank" src="http://www.clarksvilleonline.com/wp-content/uploads/2009/12/plantersbank.jpg" alt="Planters Bank" width="140" height="120" /><strong>Clarksville, TN</strong> &#8211; On Monday, January 30th, Planters Bank presented checks to Rossview High School and Rossview Middle School. A check was also sent to Rossview Elementary School.</p>
<p>The bank donated $10.00 for each account opened between August 1st-December 31st at its new Planters Bank Rossview branch.</p>
<div id="attachment_105826" class="wp-caption aligncenter" style="width: 490px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/Rossview-High_013012.jpg"   class="thickbox no_icon" rel="gallery-9859" title="Planters Bank Branch Manager and Assistant Vice President Stacey Wenzler presents a check to Rossview High School Assistant Principal Schanda Dowdy and Librarian Valerie Meadows."><img class="size-medium wp-image-105826" title="Planters Bank Branch Manager and Assistant Vice President Stacey Wenzler presents a check to Rossview High School Assistant Principal Schanda Dowdy and Librarian Valerie Meadows." src="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/Rossview-High_013012-480x316.jpg" alt="Planters Bank Branch Manager and Assistant Vice President Stacey Wenzler presents a check to Rossview High School Assistant Principal Schanda Dowdy and Librarian Valerie Meadows." width="480" height="316" /></a><p class="wp-caption-text">Planters Bank Branch Manager and Assistant Vice President Stacey Wenzler presents a check to Rossview High School Assistant Principal Schanda Dowdy and Librarian Valerie Meadows.</p></div>
<p><div style="padding-left:10px;padding-bottom:5px;float:right;"><div id="contentad"><a href="http://www.clarksvilleonline.com/cols/www/delivery/ck.php?oaparams=2__bannerid=41__zoneid=9__cb=a0d9236051__oadest=http%3A%2F%2Fwww.silkesoldworldbreads.com"   target="_blank"><img src='http://www.clarksvilleonline.com/cols/www/images/ad-silkes-old-world-breads_2.gif' width='193' height='250' alt='Silke&#039;s Old World Breads' title='Silke&#039;s Old World Breads' border='0' /></a><div id='beacon_a0d9236051' style='position: absolute; left: 0px; top: 0px; visibility: hidden;'><img src='http://www.clarksvilleonline.com/cols/www/delivery/lg.php?bannerid=41&amp;campaignid=9&amp;zoneid=9&amp;loc=http%3A%2F%2Fwww.discoverclarksville.com%2Farticles%2Fcategory%2Fbusiness%2Ffeed%2F&amp;cb=a0d9236051' width='0' height='0' alt='' style='width: 0px; height: 0px;' /></div></div></div>Planters Bank Branch Manager and Assistant Vice President Stacey Wenzler presented checks to Rossview Middle and High School.</p>
<p>Accepting the check for Rossview Middle School was Assistant Principal Jimmy Crawford.</p>
<p>Librarian Valerie Meadows and Assistant Principal Schanda Dowdy accepted the check at Rossview High School.</p>
<p>The bank will continue its matching program for accounts opened through May 31st.</p>
<div id="attachment_105828" class="wp-caption aligncenter" style="width: 490px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/Rossview-Middle_013012.jpg"   class="thickbox no_icon" rel="gallery-9859" title="Planters Bank Branch Manager and Assistant Vice President Stacey Wenzler presents a check to Rossview Middle school's Assistant Principal Jimmy Crawford."><img class="size-medium wp-image-105828" title="Planters Bank Branch Manager and Assistant Vice President Stacey Wenzler presents a check to Rossview Middle school's Assistant Principal Jimmy Crawford." src="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/Rossview-Middle_013012-480x347.jpg" alt="Planters Bank Branch Manager and Assistant Vice President Stacey Wenzler presents a check to Rossview Middle school's Assistant Principal Jimmy Crawford." width="480" height="347" /></a><p class="wp-caption-text">Planters Bank Branch Manager and Assistant Vice President Stacey Wenzler presents a check to Rossview Middle school&#39;s Assistant Principal Jimmy Crawford.</p></div>
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		<title>Downtown Business Feature: Planters Bank</title>
		<link>http://www.discoverclarksville.com/articles/2012/01/30/downtown-business-feature-planters-bank/</link>
		<comments>http://www.discoverclarksville.com/articles/2012/01/30/downtown-business-feature-planters-bank/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 16:00:19 +0000</pubDate>
		<dc:creator>News Staff</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Business Spotlight]]></category>
		<category><![CDATA[Clarksville TN]]></category>
		<category><![CDATA[downtown businesses]]></category>
		<category><![CDATA[Downtown Clarksville]]></category>
		<category><![CDATA[Elizabeth McCoy]]></category>
		<category><![CDATA[franklin street]]></category>
		<category><![CDATA[Historic Downtown Clarksville]]></category>
		<category><![CDATA[Hopkinsville KY]]></category>
		<category><![CDATA[Ingredients]]></category>
		<category><![CDATA[Planters Bank]]></category>
		<category><![CDATA[Roxy Regional Theatre]]></category>

		<guid isPermaLink="false">http://www.discoverclarksville.com/articles/?p=9851</guid>
		<description><![CDATA[Written by Kendall Welsh Clarksville, TN &#8211; Welcome to the third installment of our series about downtown businesses! We have already heard about Ingredients and The Roxy Regional Theatre. Now we are happy to share a great member of our downtown team &#8211; Planters Bank. I am excited to share all these with you, and [...]]]></description>
			<content:encoded><![CDATA[<p><span style="color: #000080;"><em><strong>Written by Kendall Welsh</strong></em></span></p>
<p><img class="alignleft" title="Downtown Clarksville Association" src="http://www.clarksvilleonline.com/wp-content/uploads/2011/12/DCA-logo-vector-blue-sky-sa.jpg" alt="Downtown Clarksville Association" width="89" height="142" /><strong>Clarksville, TN</strong> &#8211; Welcome to the third installment of our series about downtown businesses!</p>
<p>We have already heard about <a target="_blank" href="http://www.clarksvilleonline.com/2011/12/12/downtown-business-feature-ingredients-for-the-gourmet-in-you/"  title="Downtown Business Feature: Ingredients, for the gourmet in you" >Ingredients </a>and <a target="_blank" href="http://www.clarksvilleonline.com/2011/12/10/downtown-business-feature-roxy-regional-theatre/"  title="Downtown Business Feature: Roxy Regional Theatre" >The Roxy Regional Theatre</a>. Now we are happy to share a great member of our downtown team &#8211; Planters Bank.</p>
<p>I am excited to share all these with you, and hope you enjoy getting to know your downtown merchants, restaurant owners better.<div style="padding-left:10px;padding-bottom:5px;float:right;"><div id="contentad"><a href="http://www.clarksvilleonline.com/cols/www/delivery/ck.php?oaparams=2__bannerid=228__zoneid=9__cb=0415e6dd6b__oadest=http%3A%2F%2Fwww.onehourheatandair.com%2Ffranchises%2Ftn%2Fclarksville.aspx"   target="_blank"><img src='http://www.clarksvilleonline.com/cols/www/images/9d7217d80af8ea443bba0451f810e164.gif' width='320' height='250' alt='' title='' border='0' /></a><div id='beacon_0415e6dd6b' style='position: absolute; left: 0px; top: 0px; visibility: hidden;'><img src='http://www.clarksvilleonline.com/cols/www/delivery/lg.php?bannerid=228&amp;campaignid=102&amp;zoneid=9&amp;loc=http%3A%2F%2Fwww.discoverclarksville.com%2Farticles%2Fcategory%2Fbusiness%2Ffeed%2F&amp;cb=0415e6dd6b' width='0' height='0' alt='' style='width: 0px; height: 0px;' /></div></div></div></p>
<h3>Planters Bank</h3>
<p><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2011/12/Booth_Crowd2.jpg"   class="thickbox no_icon" rel="gallery-9851" title=""><img class="alignleft  wp-image-100038" src="http://www.clarksvilleonline.com/wp-content/uploads/2011/12/Booth_Crowd2.jpg" alt="" width="270" height="180" /></a><br />
<strong>Owner:</strong> Elizabeth McCoy is the CEO.</p>
<p>Tell us about your business: Planters Bank offers five full-service branches and a mortgage office in the Clarksville area, plus another three full-service branches in Hopkinsville. We deliver a full range of products and services that provide timely solutions to consumer and business financial needs and opportunities.</p>
<p><strong>What products/services do you offer to your customers:</strong> We offer a full gamut of financial products and services including checking, savings, CD’s, and money market accounts, trust and cash management services, and loans.</p>
<p><strong>How long you have been open: </strong>Planters celebrated its 15-year anniversary in 2011.</p>
<p><strong>Why did you open downtown?</strong></p>
<p><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2011/12/Booth_5.jpg"   class="thickbox no_icon" rel="gallery-9851" title=""><img class="alignleft" src="http://www.clarksvilleonline.com/wp-content/uploads/2011/12/Booth_5.jpg" alt="" width="270" height="180" /></a>From the beginning of its days in Hopkinsville, the founders of the bank always had plans to locate in Clarksville. Downtown, the financial center of Clarksville-Montgomery County, was simply the obvious place to start.</p>
<p>The emphasis on rebuilding downtown after the tornado provided the perfect opportunity from a timing standpoint. So, we were one of the first businesses to commit to build after that event, and one of the first to open anew in the post-tornado downtown Clarksville.</p>
<p><strong>Most challenging part of being downtown?</strong></p>
<p>We are a block or so off of the highest-traffic roads, so visibility has been a bit of a challenge. The 100 block of Franklin Street has been promoted as “Clarksville’s historic downtown,” but that’s much more to the downtown landscape beyond that single block.</p>
<p><strong>Most rewarding part of being downtown?</strong></p>
<p>Unlike our suburban branches, our downtown branch experiences a fair amount of pedestrian traffic from neighboring businesses. The physical proximity to a variety of other retail and service organizations makes a downtown location a rewarding experience. As well, employees have the opportunity to walk, visit customers and prospects, shop and dine, without having to drive.</p>
<p><strong>Favorite part of being part of the downtown business community:</strong></p>
<p><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2011/12/000_0012.jpg"   class="thickbox no_icon" rel="gallery-9851" title=""><img class="alignleft" src="http://www.clarksvilleonline.com/wp-content/uploads/2011/12/000_0012.jpg" alt="" width="270" height="180" /></a>We love being involved opportunities and events that promote and create awareness for downtown Clarksville. It is the heart of our community and we hope it always will be. Many of our employees are native Clarksvillians, or spent our “growing up years” here and have wonderful memories of downtown retail, entertainment and events from decades past.</p>
<p>We’re thrilled to be part of the resurgence of that quality atmosphere so that our children can have those same types of experiences and memories.</p>
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		<title>The Weekly Market Snapshot from Frazier Allen for the week of January 29th, 2012</title>
		<link>http://www.discoverclarksville.com/articles/2012/01/29/the-weekly-market-snapshot-from-frazier-allen-for-the-week-of-january-29th-2012/</link>
		<comments>http://www.discoverclarksville.com/articles/2012/01/29/the-weekly-market-snapshot-from-frazier-allen-for-the-week-of-january-29th-2012/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 18:00:07 +0000</pubDate>
		<dc:creator>Frazier Allen</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Capacity Utilization]]></category>
		<category><![CDATA[Consumer Price Index]]></category>
		<category><![CDATA[Economic Data]]></category>
		<category><![CDATA[European Debt]]></category>
		<category><![CDATA[Federal Open Market Committee]]></category>
		<category><![CDATA[Financial Markets]]></category>
		<category><![CDATA[Frazier Allen]]></category>
		<category><![CDATA[Global Equity Markets]]></category>
		<category><![CDATA[Gross Domestic Product]]></category>
		<category><![CDATA[Index of Leading Economic Indicators]]></category>
		<category><![CDATA[Manufacturing Output]]></category>
		<category><![CDATA[Raymond James]]></category>
		<category><![CDATA[Raymond James Investment Services]]></category>
		<category><![CDATA[Scott J. Brown]]></category>
		<category><![CDATA[Seasonal Adjustment]]></category>
		<category><![CDATA[Short-Term Interest Rates]]></category>
		<category><![CDATA[Volatility]]></category>
		<category><![CDATA[Weekly Market Snapshot]]></category>

		<guid isPermaLink="false">http://www.discoverclarksville.com/articles/?p=9839</guid>
		<description><![CDATA[Market Commentary by Scott J. Brown, Ph.D., Chief Economist The Federal Open Market Committee left short-term interest rates unchanged and did not embark on another round of asset purchases. No surprise there. However, the FOMC lengthened the period it expects to keep rates exceptionally low: the FOMC “currently anticipates that economic conditions – including low [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="size-full wp-image-43602 aligncenter" title="Weekly Market Snapshot" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/08/weekly-market-snapshot.jpg" alt="Weekly Market Snapshot" width="480" height="71" /></p>
<p><strong><em><span style="color: #000080;">Market Commentary by Scott J. Brown, Ph.D., Chief Economist</span></em></strong></p>
<div id="attachment_35840" class="wp-caption alignleft" style="width: 169px"><img class="size-thumbnail wp-image-35840 " title="Scott J. Brown Ph.D., Chief Economist Raymond James Investment Services" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/05/scottjbrown-159x200.jpg" alt="Scott J. Brown Ph.D., Chief Economist Raymond James Investment Services" width="159" height="200" /><p class="wp-caption-text">Scott J. Brown Ph.D., Chief Economist Raymond James Investment Services</p></div>
<p>The Federal Open Market Committee left short-term interest rates unchanged and did not embark on another round of asset purchases. No surprise there. However, the FOMC lengthened the period it expects to keep rates exceptionally low: the FOMC <em>“currently anticipates that economic conditions – including low rates of resource utilization and a subdued outlook for inflation over the medium run – are likely to warrant exceptionally low levels for the federal funds rate at least through late 2014”</em> (vs. the previous <em>“through mid-2013”</em>).</p>
<p>Keeping to its dual mandate (price stability and maximum sustainable employment) the Fed adopted an explicit inflation target (inflation in the PCE Price Index at 2% per year) and a soft target for employment (currently, an unemployment rate between 5.2% and 6.0%). In the post-meeting press briefing, Chairman Bernanke said that officials were still debating whether to increase the Fed’s asset purchases.<div style="padding-left:10px;padding-bottom:5px;float:right;"><div id="contentad"><a href="http://www.clarksvilleonline.com/cols/www/delivery/ck.php?oaparams=2__bannerid=174__zoneid=9__cb=4db3ee7c81__oadest=http%3A%2F%2Fbhghometownconnection.com%2F"   target="_blank"><img src='http://www.clarksvilleonline.com/cols/www/images/3af858754058478520ddc56d75ad680c.jpg' width='320' height='250' alt='' title='' border='0' /></a><div id='beacon_4db3ee7c81' style='position: absolute; left: 0px; top: 0px; visibility: hidden;'><img src='http://www.clarksvilleonline.com/cols/www/delivery/lg.php?bannerid=174&amp;campaignid=70&amp;zoneid=9&amp;loc=http%3A%2F%2Fwww.discoverclarksville.com%2Farticles%2Fcategory%2Fbusiness%2Ffeed%2F&amp;cb=4db3ee7c81' width='0' height='0' alt='' style='width: 0px; height: 0px;' /></div></div></div></p>
<p>The economic data were mixed . Real GDP rose at a 2.8% annual rate in the advance estimate for 4Q11 – not far from expectations (+3.0%), but two-thirds of that was in inventories. Consumer spending rose at a moderate 2.0% annual rate, but business fixed investment advanced at a meager 1.7% pace (vs. +15.7% in 3Q11). Durable goods orders exceeded expectations in December, boosted by a further increase in aircraft orders – ex-transportation, orders were mixed across industries. New home sales disappointed, edging down in December. The dovish Fed stance pushed bond yields back down and weakened the dollar, but generated some confusion for the equity markets, as investors pondered why the Fed needed to extend the expected period of low short-term interest rates.</p>
<p>Next week, the January economic data will start to flow in. The focus should be on the Employment Report. Seasonal adjustment will be an important factor (as the economy typically loses more than 2.5 million jobs prior to adjustment). December’s increase in delivery personnel (up 42,200 after seasonal adjustment) should unwind in January. Note that the payroll figures will incorporate annual benchmark revisions, which are expected to lift the March 2011 level of payrolls by about 192,000 (or +0.1%).</p>
<h3>Indices</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>Last Week</strong></td>
<td><strong>YTD return %</strong></td>
</tr>
<tr>
<td valign="top">DJIA</td>
<td valign="top">12734.63</td>
<td valign="top">12623.98</td>
<td valign="top">4.23%</td>
</tr>
<tr>
<td valign="top">NASDAQ</td>
<td valign="top">2805.28</td>
<td valign="top">2788.33</td>
<td valign="top">7.68%</td>
</tr>
<tr>
<td valign="top">S&amp;P 500</td>
<td valign="top">1318.43</td>
<td valign="top">1314.50</td>
<td valign="top">4.84%</td>
</tr>
<tr>
<td valign="top">MSCI EAFE</td>
<td valign="top">1505.67</td>
<td valign="top">1464.78</td>
<td valign="top">6.59%</td>
</tr>
<tr>
<td valign="top">Russell 2000</td>
<td valign="top">792.91</td>
<td valign="top">782.37</td>
<td valign="top">7.02%</td>
</tr>
</tbody>
</table>
<h3>Consumer Money Rates</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-year ago</strong></td>
</tr>
<tr>
<td valign="top">Prime Rate</td>
<td valign="top">3.25</td>
<td valign="top">3.25</td>
</tr>
<tr>
<td valign="top">Fed Funds</td>
<td valign="top">0.08</td>
<td valign="top">0.16</td>
</tr>
<tr>
<td valign="top">30-year mortgage</td>
<td valign="top">3.89</td>
<td valign="top">4.81</td>
</tr>
</tbody>
</table>
<h3>Currencies</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-year ago</strong></td>
</tr>
<tr>
<td valign="top">Dollars per British Pound</td>
<td valign="top">1.571</td>
<td valign="top">1.588</td>
</tr>
<tr>
<td valign="top">Dollars per Euro</td>
<td valign="top">1.315</td>
<td valign="top">1.368</td>
</tr>
<tr>
<td valign="top">Japanese Yen per Dollar</td>
<td valign="top">77.460</td>
<td valign="top">82.440</td>
</tr>
<tr>
<td valign="top">Canadian Dollars per Dollar</td>
<td valign="top">0.999</td>
<td valign="top">0.997</td>
</tr>
<tr>
<td valign="top">Mexican Peso per Dollar</td>
<td valign="top">12.937</td>
<td valign="top">12.044</td>
</tr>
</tbody>
</table>
<h3>Commodities</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-year ago</strong></td>
</tr>
<tr>
<td valign="top">Crude Oil</td>
<td valign="top">99.70</td>
<td valign="top">87.33</td>
</tr>
<tr>
<td valign="top">Gold</td>
<td valign="top">1724.80</td>
<td valign="top">1330.73</td>
</tr>
</tbody>
</table>
<h3>Bond Rates</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-month ago</strong></td>
</tr>
<tr>
<td valign="top">2-year treasury</td>
<td valign="top">0.21</td>
<td valign="top">0.26</td>
</tr>
<tr>
<td valign="top">10-year treasury</td>
<td valign="top">1.93</td>
<td valign="top">1.89</td>
</tr>
<tr>
<td valign="top">10-year municipal (TEY)</td>
<td valign="top">2.92</td>
<td valign="top">2.79</td>
</tr>
</tbody>
</table>
<h3>Treasury Yield Curve – 1/27/2012<strong> </strong></h3>
<h3><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/treasury-curve-012712.gif"   class="thickbox no_icon" rel="gallery-9839" title="Treasury Yield Curve – 1/27/2012"><img class="aligncenter size-full wp-image-105606" title="Treasury Yield Curve – 1/27/2012" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/treasury-curve-012712.gif" alt="Treasury Yield Curve – 1/27/2012" width="467" height="341" /></a>S&amp;P Sector Performance (YTD) – 1/27/2012<strong> </strong></h3>
<p><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/sp-sector-performance102712.gif"   class="thickbox no_icon" rel="gallery-9839" title="S&amp;P Sector Performance (YTD) – 1/27/2012"><img class="aligncenter size-full wp-image-105607" title="S&amp;P Sector Performance (YTD) – 1/27/2012" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/sp-sector-performance102712.gif" alt="S&amp;P Sector Performance (YTD) – 1/27/2012" width="450" height="304" /></a></p>
<h3>Economic Calendar</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td valign="top"><strong>January 30th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Personal Income and Spending (December)</td>
</tr>
<tr>
<td valign="top"><strong>January 31st</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">S&amp;P/Case-Shiller Home Price Index (November)<br />
Chicago Purchasing Managers Index (January)<br />
Consumer Confidence (January)</td>
</tr>
<tr>
<td valign="top"><strong>February 1st</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">ADP Payroll Estimate (January)<br />
ISM Manufacturing Index (January)<br />
Motor Vehicle Sales (January)</td>
</tr>
<tr>
<td valign="top"><strong>February 2nd</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Jobless Claims (week ending January 28th)<br />
Bernanke Testimony (House Budget Committee)</td>
</tr>
<tr>
<td valign="top"><strong>February 3rd</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Employment Report (January)<br />
ISM Non-Manufacturing Index (January)</td>
</tr>
<tr>
<td valign="top"><strong>February 5th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Super Bowl XLVI (Indianapolis)</td>
</tr>
<tr>
<td valign="top"><strong>February 14th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Retail Sales (January)</td>
</tr>
<tr>
<td valign="top"><strong>February 20th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">President’s Day Holiday (markets closed)</td>
</tr>
<tr>
<td valign="top"><strong>March 13th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">FOMC Policy Decision (no press briefing)</td>
</tr>
</tbody>
</table>
<h3>Important Disclosures</h3>
<p>Past performance is not a guarantee of future results. There are special risks involved with global investing related to market and currency fluctuations, economic and political instability, and different financial accounting standards. The above material has been obtained from sources considered reliable, but we do not guarantee that it is accurate or complete. There is no assurance that any trends mentioned will continue in the future. While interest on municipal bonds is generally exempt from federal income tax, it may be subject to the federal alternative minimum tax, state or local taxes. In addition, certain municipal bonds (such as Build America Bonds) are issued without a federal tax exemption, which subjects the related interest income to federal income tax. Investing involves risk and investors may incur a profit or a loss.</p>
<p>US government bonds and treasury bills are guaranteed by the US government and, if held to maturity, offer a fixed rate of return and guaranteed principal value. US government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the US government.</p>
<p>Commodities trading is generally considered speculative because of the significant potential for investment loss. Markets for commodities are likely to be volatile and there may be sharp price fluctuations even during periods when prices overall are rising. Specific sector investing can be subject to different and greater risks than more diversified investments.</p>
<p>Tax Equiv Muni yields (TEY) assume a 35% tax rate on triple-A rated, tax-exempt insured revenue bonds.</p>
<p><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2010/06/Raymond-James-logo.jpg"   class="thickbox no_icon" rel="gallery-9839" title="Raymond James logo"><img class="alignright size-thumbnail wp-image-37468" title="Raymond James logo" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/06/Raymond-James-logo-200x39.jpg" alt="" width="200" height="39" /></a>Material prepared by Raymond James for use by its financial advisors.</p>
<p>The information contained herein has been obtained from sources considered reliable, but we do not guarantee that the foregoing material is accurate or complete. Data source: Bloomberg, as of close of business December 26th, 2012.</p>
<p>©2012 Raymond James Financial Services, Inc. member <a href="http://www.finra.org/"   target="_blank">FINRA</a> / <a href="http://www.sipc.org/"   target="_blank">SIPC</a>.</p>
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		<title>Cumberland Bank &amp; Trust announces Melinda Schwallie new Vice President of Commercial Lending</title>
		<link>http://www.discoverclarksville.com/articles/2012/01/24/cumberland-bank-trust-announces-melinda-schwallie-new-vice-president-of-commercial-lending/</link>
		<comments>http://www.discoverclarksville.com/articles/2012/01/24/cumberland-bank-trust-announces-melinda-schwallie-new-vice-president-of-commercial-lending/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 14:00:11 +0000</pubDate>
		<dc:creator>News Staff</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Business Spotlight]]></category>
		<category><![CDATA[Clarksville Area Chamber of Commerce]]></category>
		<category><![CDATA[Clarksville TN]]></category>
		<category><![CDATA[Cumberland Bank & Trust]]></category>
		<category><![CDATA[Melinda Schwallie]]></category>
		<category><![CDATA[Ron Sleigh]]></category>

		<guid isPermaLink="false">http://www.discoverclarksville.com/articles/?p=9782</guid>
		<description><![CDATA[Clarksville, TN &#8211; Cumberland Bank &#38; Trust has welcomed Melinda Schwallie to its banking team as a Vice-President/Commercial Lender. Ron Sleigh, president of Cumberland Bank &#38; Trust noted, “We are very pleased to have Melinda Schwallie join our banking team. Melinda’s years of experience in the local banking community make her a valuable asset to [...]]]></description>
			<content:encoded><![CDATA[<p><img class=" wp-image-104948 alignleft" title="Cumberland Bank &amp; Trust" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/Cumberland-Bank-Trust.gif" alt="Cumberland Bank &amp; Trust" width="210" height="110" /></p>
<p><strong>Clarksville, TN</strong> &#8211; Cumberland Bank &amp; Trust has welcomed Melinda Schwallie to its banking team as a Vice-President/Commercial Lender. Ron Sleigh, president of Cumberland Bank &amp; Trust noted, “We are very pleased to have Melinda Schwallie join our banking team. Melinda’s years of experience in the local banking community make her a valuable asset to Cumberland Bank &amp; Trust.”</p>
<div id="attachment_104950" class="wp-caption aligncenter" style="width: 490px"><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/Melinda-Schwallie1.jpg"   class="thickbox no_icon" rel="gallery-9782" title="Melinda Schwallie"><img class="size-medium wp-image-104950" title="Melinda Schwallie" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/Melinda-Schwallie1-480x360.jpg" alt="Melinda Schwallie" width="480" height="360" /></a><p class="wp-caption-text">Melinda Schwallie</p></div>
<p><div style="padding-left:10px;padding-bottom:5px;float:right;"><div id="contentad"><a href="http://www.clarksvilleonline.com/cols/www/delivery/ck.php?oaparams=2__bannerid=210__zoneid=9__cb=c5a2f5aee3__oadest=http%3A%2F%2Fwww.centerforaudiology.net%2F"   target="_blank"><img src='http://www.clarksvilleonline.com/cols/www/images/7156882a87280f6e746aeea124abc032.jpg' width='320' height='166' alt='' title='' border='0' /></a><div id='beacon_c5a2f5aee3' style='position: absolute; left: 0px; top: 0px; visibility: hidden;'><img src='http://www.clarksvilleonline.com/cols/www/delivery/lg.php?bannerid=210&amp;campaignid=78&amp;zoneid=9&amp;loc=http%3A%2F%2Fwww.discoverclarksville.com%2Farticles%2Fcategory%2Fbusiness%2Ffeed%2F&amp;cb=c5a2f5aee3' width='0' height='0' alt='' style='width: 0px; height: 0px;' /></div></div></div>Schwallie has 30 years of banking experience, beginning as a teller and including Customer Service, Branch Management, Merchant Services and Lending. She is a member of the Chamber of Commerce, past member of the Finance Committee at Madison Street United Methodist Church, and previously served as Treasurer of the Rossview High Hawks Cheer Boosters. Melinda is married to Tom Schwallie and has two children, Jake and Rachel.</p>
<p>Cumberland Bank &amp; Trust invites everyone to visit Melinda at the 502 Madison Street main office.</p>
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		<title>The Weekly Market Snapshot from Frazier Allen for the week of January 22nd, 2012</title>
		<link>http://www.discoverclarksville.com/articles/2012/01/22/the-weekly-market-snapshot-from-frazier-allen-for-the-week-of-january-22nd-2012/</link>
		<comments>http://www.discoverclarksville.com/articles/2012/01/22/the-weekly-market-snapshot-from-frazier-allen-for-the-week-of-january-22nd-2012/#comments</comments>
		<pubDate>Sun, 22 Jan 2012 16:00:44 +0000</pubDate>
		<dc:creator>Frazier Allen</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Capacity Utilization]]></category>
		<category><![CDATA[Consumer Price Index]]></category>
		<category><![CDATA[Economic Data]]></category>
		<category><![CDATA[European Debt]]></category>
		<category><![CDATA[Federal Open Market Committee]]></category>
		<category><![CDATA[Financial Markets]]></category>
		<category><![CDATA[Frazier Allen]]></category>
		<category><![CDATA[Global Equity Markets]]></category>
		<category><![CDATA[Gross Domestic Product]]></category>
		<category><![CDATA[Index of Leading Economic Indicators]]></category>
		<category><![CDATA[Manufacturing Output]]></category>
		<category><![CDATA[Raymond James]]></category>
		<category><![CDATA[Raymond James Investment Services]]></category>
		<category><![CDATA[Scott J. Brown]]></category>
		<category><![CDATA[Seasonal Adjustment]]></category>
		<category><![CDATA[Short-Term Interest Rates]]></category>
		<category><![CDATA[Volatility]]></category>
		<category><![CDATA[Weekly Market Snapshot]]></category>

		<guid isPermaLink="false">http://www.discoverclarksville.com/articles/?p=9758</guid>
		<description><![CDATA[Market Commentary by Scott J. Brown, Ph.D., Chief Economist The data remained consistent with moderate economic growth in the near term. Industrial production rose 0.4% in December, but was held back by a 2.7% decline in the output of utilities (a function of moderate temperatures) – manufacturing output rose 0.9%, partly reflecting a rebound from [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="size-full wp-image-43602 aligncenter" title="Weekly Market Snapshot" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/08/weekly-market-snapshot.jpg" alt="Weekly Market Snapshot" width="480" height="71" /></p>
<p><strong><em><span style="color: #000080;">Market Commentary by Scott J. Brown, Ph.D., Chief Economist</span></em></strong></p>
<div id="attachment_35840" class="wp-caption alignleft" style="width: 169px"><img class="size-thumbnail wp-image-35840 " title="Scott J. Brown Ph.D., Chief Economist Raymond James Investment Services" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/05/scottjbrown-159x200.jpg" alt="Scott J. Brown Ph.D., Chief Economist Raymond James Investment Services" width="159" height="200" /><p class="wp-caption-text">Scott J. Brown Ph.D., Chief Economist Raymond James Investment Services</p></div>
<p>The data remained consistent with moderate economic growth in the near term. Industrial production rose 0.4% in December, but was held back by a 2.7% decline in the output of utilities (a function of moderate temperatures) – manufacturing output rose 0.9%, partly reflecting a rebound from a soft November. Residential construction figures were mixed, with an improving trend in single-family housing starts and building permits, but softness in the multi-family sector (which is volatile).</p>
<p>Note that seasonal adjustment may have exaggerated the impact of mild weather. The Consumer Price Index was unchanged for a second consecutive month in December, up 3.0% year-over-year (vs. +1.5% in 2010). Ex-food &amp; energy, the CPI rose 0.1%, up 2.2% in 2011 (vs. a historic low of +0.8% in 2010).<div style="padding-left:10px;padding-bottom:5px;float:right;"><div id="contentad"><a href="http://www.clarksvilleonline.com/cols/www/delivery/ck.php?oaparams=2__bannerid=228__zoneid=9__cb=050dce9f70__oadest=http%3A%2F%2Fwww.onehourheatandair.com%2Ffranchises%2Ftn%2Fclarksville.aspx"   target="_blank"><img src='http://www.clarksvilleonline.com/cols/www/images/9d7217d80af8ea443bba0451f810e164.gif' width='320' height='250' alt='' title='' border='0' /></a><div id='beacon_050dce9f70' style='position: absolute; left: 0px; top: 0px; visibility: hidden;'><img src='http://www.clarksvilleonline.com/cols/www/delivery/lg.php?bannerid=228&amp;campaignid=102&amp;zoneid=9&amp;loc=http%3A%2F%2Fwww.discoverclarksville.com%2Farticles%2Fcategory%2Fbusiness%2Ffeed%2F&amp;cb=050dce9f70' width='0' height='0' alt='' style='width: 0px; height: 0px;' /></div></div></div></p>
<p>Next week, the focus is expected to be on the Fed policy statement and Chairman Bernanke’s press briefing. However, Friday’s GDP estimate has some market-moving potential. The Fed is expected to leave monetary policy unchanged. A number of Fed officials have spoken in recent months about the possibility of another round of asset purchases, which would be made more effective by enhanced communications from the Fed. We’re about to get such enhancements. In addition to releasing the four-times-per-year projections of GDP growth, unemployment, and inflation, the Fed will begin publishing its forecasts of the federal funds rate target.</p>
<p>There’s always a lot of uncertainty in the advance GDP estimate. Investors should focus on the key components (consumer spending and business fixed investment) and the story behind those components. However, market participants rarely look behind the headline figure, which will be revised in February, and again in March, and again in July when annual benchmark revisions are incorporated. GDP growth is expected to have been moderately strong in 4Q11 (somewhere between 2.5% and 3.5%).</p>
<h3>Indices</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>Last Week</strong></td>
<td><strong>YTD return %</strong></td>
</tr>
<tr>
<td valign="top">DJIA</td>
<td valign="top">12623.98</td>
<td valign="top">12471.02</td>
<td valign="top">3.33%</td>
</tr>
<tr>
<td valign="top">NASDAQ</td>
<td valign="top">2788.33</td>
<td valign="top">2724.70</td>
<td valign="top">7.03%</td>
</tr>
<tr>
<td valign="top">S&amp;P 500</td>
<td valign="top">1314.50</td>
<td valign="top">1295.50</td>
<td valign="top">4.52%</td>
</tr>
<tr>
<td valign="top">MSCI EAFE</td>
<td valign="top">1464.78</td>
<td valign="top">1423.02</td>
<td valign="top">3.70%</td>
</tr>
<tr>
<td valign="top">Russell 2000</td>
<td valign="top">782.37</td>
<td valign="top">770.49</td>
<td valign="top">5.59%</td>
</tr>
</tbody>
</table>
<h3>Consumer Money Rates</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-year ago</strong></td>
</tr>
<tr>
<td valign="top">Prime Rate</td>
<td valign="top">3.25</td>
<td valign="top">3.25</td>
</tr>
<tr>
<td valign="top">Fed Funds</td>
<td valign="top">0.08</td>
<td valign="top">0.10</td>
</tr>
<tr>
<td valign="top">30-year mortgage</td>
<td valign="top">3.92</td>
<td valign="top">4.78</td>
</tr>
</tbody>
</table>
<h3>Currencies</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-year ago</strong></td>
</tr>
<tr>
<td valign="top">Dollars per British Pound</td>
<td valign="top">1.547</td>
<td valign="top">1.599</td>
</tr>
<tr>
<td valign="top">Dollars per Euro</td>
<td valign="top">1.293</td>
<td valign="top">1.348</td>
</tr>
<tr>
<td valign="top">Japanese Yen per Dollar</td>
<td valign="top">77.230</td>
<td valign="top">81.920</td>
</tr>
<tr>
<td valign="top">Canadian Dollars per Dollar</td>
<td valign="top">1.011</td>
<td valign="top">0.996</td>
</tr>
<tr>
<td valign="top">Mexican Peso per Dollar</td>
<td valign="top">13.246</td>
<td valign="top">12.085</td>
</tr>
</tbody>
</table>
<h3>Commodities</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-year ago</strong></td>
</tr>
<tr>
<td valign="top">Crude Oil</td>
<td valign="top">100.39</td>
<td valign="top">90.86</td>
</tr>
<tr>
<td valign="top">Gold</td>
<td valign="top">1652.80</td>
<td valign="top">1370.85</td>
</tr>
</tbody>
</table>
<h3>Bond Rates</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td></td>
<td><strong>Last</strong></td>
<td><strong>1-month ago</strong></td>
</tr>
<tr>
<td valign="top">2-year treasury</td>
<td valign="top">0.23</td>
<td valign="top">0.28</td>
</tr>
<tr>
<td valign="top">10-year treasury</td>
<td valign="top">1.98</td>
<td valign="top">2.00</td>
</tr>
<tr>
<td valign="top">10-year municipal (TEY)</td>
<td valign="top">2.70</td>
<td valign="top">2.90</td>
</tr>
</tbody>
</table>
<p>&nbsp;</p>
<h3>Treasury Yield Curve – 1/20/2012<strong> </strong></h3>
<p><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/treasury-curve-012012.gif"   class="thickbox no_icon" rel="gallery-9758" title="Treasury Yield Curve – 1/20/2012"><img class="aligncenter size-full wp-image-104732" title="Treasury Yield Curve – 1/20/2012" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/treasury-curve-012012.gif" alt="Treasury Yield Curve – 1/20/2012" width="467" height="341" /></a></p>
<h3>S&amp;P Sector Performance (YTD) – 1/20/2012<strong> </strong></h3>
<p><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/sp-sector-performance102012.gif"   class="thickbox no_icon" rel="gallery-9758" title="S&amp;P Sector Performance (YTD) – 1/20/2012"><img class="aligncenter size-full wp-image-104733" title="S&amp;P Sector Performance (YTD) – 1/20/2012" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/sp-sector-performance102012.gif" alt="S&amp;P Sector Performance (YTD) – 1/20/2012" width="450" height="304" /></a></p>
<h3>Economic Calendar</h3>
<table width="472" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td valign="top"><strong>January 24h</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">State of the Union Address</td>
</tr>
<tr>
<td valign="top"><strong>January 25th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">FOMC Policy Meeting<br />
Bernanke Press Briefing</td>
</tr>
<tr>
<td valign="top"><strong>January 26th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Jobless Claims (week ending January 21st)<br />
Durable Goods Orders (December)<br />
New Home Sales (December)<br />
Leading Economic Indicators</td>
</tr>
<tr>
<td valign="top"><strong>January 27th</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Real GDP (4Q11, advance estimate<br />
Consumer Sentiment (January)</td>
</tr>
<tr>
<td valign="top"><strong>January 31st</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Consumer Confidence (January)</td>
</tr>
<tr>
<td valign="top"><strong>February 1st</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">ISM Manufacturing Index (January)</td>
</tr>
<tr>
<td valign="top"><strong>February 3rd</strong></td>
<td valign="top">
<p align="center">—</p>
</td>
<td valign="top">Employment Report (January)</td>
</tr>
</tbody>
</table>
<h3>Important Disclosures</h3>
<p>Past performance is not a guarantee of future results. There are special risks involved with global investing related to market and currency fluctuations, economic and political instability, and different financial accounting standards. The above material has been obtained from sources considered reliable, but we do not guarantee that it is accurate or complete. There is no assurance that any trends mentioned will continue in the future. While interest on municipal bonds is generally exempt from federal income tax, it may be subject to the federal alternative minimum tax, state or local taxes. In addition, certain municipal bonds (such as Build America Bonds) are issued without a federal tax exemption, which subjects the related interest income to federal income tax. Investing involves risk and investors may incur a profit or a loss.</p>
<p>US government bonds and treasury bills are guaranteed by the US government and, if held to maturity, offer a fixed rate of return and guaranteed principal value. US government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the US government.</p>
<p>Commodities trading is generally considered speculative because of the significant potential for investment loss. Markets for commodities are likely to be volatile and there may be sharp price fluctuations even during periods when prices overall are rising. Specific sector investing can be subject to different and greater risks than more diversified investments.</p>
<p>Tax Equiv Muni yields (TEY) assume a 35% tax rate on triple-A rated, tax-exempt insured revenue bonds.</p>
<p><a target="_blank" href="http://www.clarksvilleonline.com/wp-content/uploads/2010/06/Raymond-James-logo.jpg"   class="thickbox no_icon" rel="gallery-9758" title="Raymond James logo"><img class="alignright size-thumbnail wp-image-37468" title="Raymond James logo" src="http://www.clarksvilleonline.com/wp-content/uploads/2010/06/Raymond-James-logo-200x39.jpg" alt="" width="200" height="39" /></a>Material prepared by Raymond James for use by its financial advisors.</p>
<p>The information contained herein has been obtained from sources considered reliable, but we do not guarantee that the foregoing material is accurate or complete. Data source: Bloomberg, as of close of business December 19th, 2012.</p>
<p>©2012 Raymond James Financial Services, Inc. member <a href="http://www.finra.org/"   target="_blank">FINRA</a> / <a href="http://www.sipc.org/"   target="_blank">SIPC</a>.</p>
]]></content:encoded>
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		<item>
		<title>Publix to Open February 1st</title>
		<link>http://www.discoverclarksville.com/articles/2012/01/16/publix-to-open-february-1st/</link>
		<comments>http://www.discoverclarksville.com/articles/2012/01/16/publix-to-open-february-1st/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 12:00:34 +0000</pubDate>
		<dc:creator>News Staff</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[City of Clarksville]]></category>
		<category><![CDATA[Clarksville City Council]]></category>
		<category><![CDATA[Madison Street]]></category>
		<category><![CDATA[Madison Street Overlay Zone]]></category>
		<category><![CDATA[Memorial Drive]]></category>
		<category><![CDATA[Publix]]></category>
		<category><![CDATA[Ribbon Cutting]]></category>
		<category><![CDATA[Shopping Center]]></category>

		<guid isPermaLink="false">http://www.discoverclarksville.com/articles/?p=9690</guid>
		<description><![CDATA[Written by Bill Summers Clarksville, TN &#8211; The new Publix on Madison Street will open on February 1st. The official ribbon cutting will happen at 6:45am on February 1st. The new shopping center is the first large scale development in the Madison Street Overlay Zone that incorporates all the efforts to blend good looks, lighting, [...]]]></description>
			<content:encoded><![CDATA[<p><span style="color: #000080;"><em><strong>Written by Bill Summers</strong></em></span></p>
<p><img class="alignleft size-full wp-image-103445" title="Clarksville City Council - Ward 10" src="http://www.clarksvilleonline.com/wp-content/uploads/2012/01/Clarksville-City-Council-Ward-10.gif" alt="Clarksville City Council - Ward 10" width="264" height="128" /><strong>Clarksville, TN</strong> &#8211; The new Publix on Madison Street will open on February 1st. The official ribbon cutting will happen at 6:45am on February 1st. The new shopping center is the first large scale development in the Madison Street Overlay Zone that incorporates all the efforts to blend good looks, lighting, signage, landscape, walkways and other features into one business package.<div style="padding-left:10px;padding-bottom:5px;float:right;"><div id="contentad"><a href="http://www.clarksvilleonline.com/cols/www/delivery/ck.php?oaparams=2__bannerid=41__zoneid=9__cb=4af630702b__oadest=http%3A%2F%2Fwww.silkesoldworldbreads.com"   target="_blank"><img src='http://www.clarksvilleonline.com/cols/www/images/ad-silkes-old-world-breads_2.gif' width='193' height='250' alt='Silke&#039;s Old World Breads' title='Silke&#039;s Old World Breads' border='0' /></a><div id='beacon_4af630702b' style='position: absolute; left: 0px; top: 0px; visibility: hidden;'><img src='http://www.clarksvilleonline.com/cols/www/delivery/lg.php?bannerid=41&amp;campaignid=9&amp;zoneid=9&amp;loc=http%3A%2F%2Fwww.discoverclarksville.com%2Farticles%2Fcategory%2Fbusiness%2Ffeed%2F&amp;cb=4af630702b' width='0' height='0' alt='' style='width: 0px; height: 0px;' /></div></div></div></p>
<p>While Publix was looking to build a class operation from the start, there have been a couple of work sessions to iron out some concerns to meet the Overlay requirements. I am pleased to say these were worked out to everyone&#8217;s satisfaction.</p>
<p>This should be a good example for Clarksville to incorporate new guidelines into future commercial/business development across the city. There has also been a battle on the council to keep whole residential housing neighborhoods by the new shopping center to promote walking and biking development.</p>
<p>We talk about walkable and visually desirable residential and commercial development being built and located by each other and then seem to undo that ideal by installing business and commercial zoning into neighborhoods and pushing residents and neighbors further out. Businesses do look at residential &#8220;rooftop&#8221; counts around their proposed building locations. The more folks that live in an area the more likely they will shop in that area.</p>
<p>You will also note that a new right turn lane on Memorial Drive onto Madison Street by the Publix development will aid traffic at that intersection.</p>
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