

Sweet Owen
A CELEBRATION OF LIFE IN OWEN COUNTY, KENTUCKY | VOL. II | ISSUE 12 | FALL 2024


free energy audits, virtual energy assessments, home energy library & so much more.



Contents

8
Cheers to 50 years
Family Billiards & Restaurant opened in 1974 and continues to capture the essence of small-town charm
19
Where to Stay, What to Eat?
Looking for hospitality in Owen County? Try Adventure Bound Camping Resort and Sue's Lakeview
26
Remembering...Willnetta Coates
Taken from a 2016 interview, Marlene Browning-Wainscott looks back at the life of a Navy WAVES veteran
16 | Stirring the pot
The Monterey Fair is a celebration of community revival, where tradition, particularly the famous burgoo stew, and artisan crafts unite a small Kentucky town, preserving its rich heritage and fostering unity.
10
A celestial symphony
Witnessing the solar eclipse of 2024, one author finds awe and faith intertwined
20 Passion and Play
The Owen County Parks & Rec soccer program has evolved into a vital community cornerstone
29 House of McNally
What's better on a crisp fall day than a pot of broccoli cheddar soup? Not much, according to Lyndsi McNally
14 Fall Calendar
Fall is here and we've got a full list of events to keep you and your family entertained
24 Owen County Almanac
Father and son double up on bucks, sharing unforgettable hunting memories
30 Fall's literary harvest
Looking to add to your reading list? We’ve got the latest picks for cozy fall reads




Sweet Owen
A CELEBRATION OF LIFE IN OWEN COUNTY, KENTUCKY
© 2022-2024, Owen County Tourism Commission
Volume II, Issue 12
Fall 2024
Cover Art by Kassie Noel Photography
Molly Haines Riddle Editor
Whitney Prather Duvall Copy Editor
Owen County Tourism Commission
Holly Bowling, Director Jenni Duncan, Chairperson Mike Haines, Treasurer Lindsey Tirey, Secretary Shadoe Aldridge, Member
Emma Engelman, Member Darla House-Webb, Member Sean O’Daniel, Member
Contributors
Amanda Anderson Matthews, Lyndsi McNally, Josh Rodamer, Kelly Rodamer, Matt Stafford, Marlene Browning-Wainscott
For advertising information, email advertising@sweetowenmag.com
To submit an event, letter to the editor, or suggest story ideas, email editor@sweetowenmag.com
Submission deadlines:
4 p.m., Oct. 25, 2024, for Winter (December-February)
Published quarterly by the Owen County Tourism Commission “... find yourself here” www.visitowencountyky.org

Welcome to the fall edition of our Owen County tourism magazine!
As the Director of Tourism for our scenic county, I am thrilled to share the wonders that fall brings to our rural community. Fall in Owen County is one of my personal favorite times when the backdrops change into breathtaking, vibrant colors, and the air is filled with the crispness of the changing season.
Nestled in the heart of Northern Kentucky, Owen County offers a quiet escape from the hustle and bustle of everyday life. Our rolling hills, picturesque farms, and quaint city square create the perfect backdrop for a peaceful and rejuvenating autumn getaway. Whether you’re a local resident or a first-time visitor, there’s something exceptional about experiencing fall here.
One of the most enchanting aspects of fall in Owen County is the explosion of colors. Our scenery comes alive with red, orange, and gold shades, providing a spectacular show of nature’s artistry. Take a leisurely drive along our country roads, see the crops in harvest, hike through public trails, or enjoy a simple walk at the county park—everywhere you turn, you’ll be greeted by the stunning beauty of the fall season.
Our community takes pride in preserving the traditions and charm of rural living, and fall is the perfect time to experience it all, from apple picking at the local orchard to enjoying the fall outdoor events, such as Sweet Owen Day and the Monterey Homecoming Fair. Be sure to check out our calendar of events for local festivals and other celebrations that showcase the best of Owen County’s culture and hospitality.
The Spring's bright tints no more are seen, And Summer's ample robe of green Is russet-gold and brown; When flowers fall to every breeze And, shed reluctant from the trees, The leaves drop down.
A sadness steals about the heart, --And is it thus from youth we part, And life's redundant prime? Must friends like flowers fade away, And life like Nature know decay, And bow to time?
And yet such sadness meets rebuke, From every copse in every nook Where Autumn's colours glow; How bright the sky! How full the sheaves! What mellow glories gild the leaves Before they go.
Then let us sing the jocund praise, In this bright air, of these bright days, When years our friendships crown; The love that's loveliest when 'tis old-When tender tints have turned to gold And leaves drop down.
—"Autumn Leaves," Juliana Horatia Ewing Public Domain
As you explore Owen County this fall, take a moment to appreciate the simple pleasures of rural life. The slower pace, the friendly smiles, and the genuine warmth of our community make Owen County a truly special place.
Thank you for joining us this season. We look forward to welcoming you and sharing the joys of fall in Owen County. May your visit be filled with unforgettable experiences and lasting memories.
Holly Bowling
CHEERS to 50 years
Local landmark, Family Billiards & Restaurant, opened in 1974, and continues to capture the essence of small-town charm
BY KELLY RODAMER
Sweet Owen Contributor
"Sometimes you wanna go where everybody knows your name, and they're always glad you came."
When Gary Portnoy and Judy Hart Angelo performed this song for the popular television show Cheers, they captured the essence of the heart of small-town establishments across the country. Family Billiards & Restaurant is no exception.
For 50 years, Family Billiards, commonly known as the Pool Room or Pool Hall, has served Owen County with the mission to create a gathering place where families feel comfortable sending their kids and cultivating relationships that help to proliferate small-town charm.
Ralph and Patsy Toole opened the doors to the Pool Room in September 1974. They may not have known it then, but it was the start of a legacy. No other restaurant in town encouraged the lingering atmosphere, welcomed families with affordable pricing, and emphasized "doing life together" as the Pool Room did.
Over the decades, minor changes were made to the building, menu, and ownership, but the mission never wavered.
Native Owen countian Ginger Davis recalls working for Ralph and Patsy in the 1990s. Unbeknown to

p SINCE SEPTEMBER 1974, Family Billiards & Restaurant, better known as the “Pool Room” or “Pool Hall,” has served Owen County with the mission to create a gathering place where families feel comfortable sending their kids and cultivating relationships that help proliferate small-town charm. — Photo by Kelly Rodamer
her, she was an aspiring business owner and the lessons she learned working at the Pool Room would carry forward to her many ventures today.
"I learned so much in my time waitressing at the Pool Room," Davis said. "I remember that Ralph refused to buy a calculator for us.
For the longest time, he insisted we learn how to count back money on our own. It's a skill I still use today, and often times, I can be quicker than a calculator. It's one of the many things I am thankful for from my time there."
Both Davis and Shawna
Arrowood, a former waitress and current owner of Family Billiards, fondly remember days when the Pool Room was considered the place to be for Owen County students. Buses would drop kids off straight from school, athletic teams and the band would meet before games, and families would gather for post-game meals.
"There was a time, not too long ago, when the Pool Room was a place where kids would come after school," Arrowood remembers. "They'd get a snack, play some games, hang out, and then, when their parents got off work, they'd get
picked up. It was a great time to get to know the kids, share in their lives, and be a part of the community."
When current owners Alfred and Shawna Arrowood took control of Family Billiards from Ralph and Patsy in 2009, they resolved to maintain the integrity of the legacy that had been built around Ralph Burgers, milkshakes, fries, and soda—dole out life lessons and maintain the small town welcoming atmosphere that the Tooles had worked so hard to build.
Denise Humphries of Owen County shares that when her daughter, Maddie, was waitressing for Alfred and Shawna, she had a regular group of customers she referred to as her "granddad posse." They would perch on the counter stools, sip coffee, joke with Alfred, and dish out life advice to the young wait staff.
"I would tell them all the time not to hold back, to tell her how rough the real world is going to be on her, and to occasionally reinforce that her mama does know a thing or two," Humphries shared. "The granddad posse took her words to heart and helped shape Maddie into the woman she is today."
Regular customers like the granddad posse encourage and motivate the Arrowoods on hard days. During the COVID-19 pandemic of 2020, Family Billiards closely monitored state regulations on serving and, for months, operated as a carry-out-only business.
"It was difficult, but we got through," Alfred said. "First, we would meet people at the doors with their food. Then we were able to have them come in to get it."
"The people are what keeps us going," Shawna added. "Not being around our regulars was so hard. They're part of what makes this place feel like home."
Shawna Arrowood has been a part of the Pool Room legacy since 1985. She started behind the counter, and her sole task was to serve ice cream. Her role quickly expanded to waitressing, and she and Alfred eventually became the owners of Family Billiards.
"I've spent most of my adult life here, and I somehow convinced this poor guy to come along with me," Shawna joked, playfully jabbing Alfred. "We love it."
The Arrowoods have made the Pool Room like home, splitting shifts on weekdays and using Sunday afternoons to prep for the week. Alfred can often be seen working the grill or chatting with the morning regulars while Shawna comes in for the afternoon and closing shifts. Both feel it's important to be handson so that the vision and integrity of Family Billiards are maintained. Their hands-on approach has proven fruitful as the business has been consistent, even with inflation keeping more families from enjoying dining outside of their homes.
"We try to keep our prices as low as possible," Alfred said. "The Pool Room was started to be a place for
families to come and be without breaking the bank. We hope people understand that sometimes we have to raise prices, but we will always go above and beyond to make sure we're catering to our customers and doing right by them."
"We do our best to spoil them," Shawna laughed. "We will personalize orders and ensure they have exactly what they need."
Part of the Pool Room's charm is keeping as many ingredients local and fresh as possible. The Arrowoods source local meat and produce as often as they can. They are currently offering meat from Whobrey Farm and using local farmers for their vegetables.
Whether you're stopping in after the homecoming parade for a milkshake with the entire county, enjoying a quiet breakfast with Alfred, or an evening dinner with Shawna, the Pool Room is a place where all are welcome and made to feel like family. Don't be surprised if they have your order memorized after you stop in a few times. After all, Family Billiards is a place "where everyone knows your name and is glad you came." v

p THE FAMOUS "RALPH BURGER," named for Family Billiards’ late proprietor, Ralph Toole, remains a staple on the restaurant’s menu 50 years after its opening day in September 1974.— Photo by Kelly Rodamer
A celestial symphony

Finding faith in the shadow of the moon

p MATT STAFFORD is a lifelong Owen countian who enjoys a variety of outdoor activities. He's also fond of writing on his experiences in hiking, hunting, and fishing.
BY MATT STAFFORD
I've always been a bit of a "space nut," but it only seems to worsen with a growing curiosity and yearning for knowledge that accompanies aging. The Great American Eclipse of 2017, even though our location in Owenton wasn't in the path of totality during the eclipse (where the moon completely covers the sun), left me awestruck. In looking forward to the next opportunity to view a total solar eclipse seven years later, I would find a way to put myself in the path this time. So here we are, seven years later, where I'd planned a weekend trip for my wife and me, ending in Sunman, Indiana (appropriately named) on the afternoon of Monday, April 8, 2024.
Only an hour and a half north of Owen County, we had avoided the interstate traffic near Louisville and Cincinnati by choosing Holtkamp Winery in southeastern Indiana for the celestial event of my lifetime. The venue was a quaint little winery in a town about the size of our own, settled above a small, scenic pond. We arrived just past 11 a.m., and there were already approximately 100 people settled in. The moon wouldn't begin its journey across the sun's face until closer to 2 p.m., so we set up our lawn chairs close to the pond and passed the time enjoying a few drinks, eating a delicious brick oven pizza, reading, and watching a pair of mallards drift across the pond.
I stood up from my chair at the appropriate time, put my solar viewing glasses on (safety first, never look at the sun without them), and turned
my head toward the sky. Right on cue, the moon had begun its journey across the face of the sun. It appeared as if a small chunk had been taken out of the bottom right portion of the sun like a child had taken a small bite from a cookie. I was growing more excited as the time ticked away. A gentleman set up speakers on the pond dock and played old country tunes for the evergrowing crowd, swelling to several hundred. This is my element:
Sitting outside on a gorgeous spring day in the 70s
Listening to country tunes
Getting my nerd on
With less than 30 minutes remaining until totality, Mariah and I packed up our gear and headed for the car, where we'd watch the finale. I'd read headlines predicting the possible nightmare resulting from the increased traffic, so we intended to leave as soon as the totality was over. Within less than five minutes of the climax, the difference in the atmosphere was noticeable and changing rapidly. The sky was darkening, birds quieted, crickets began chirping, and dogs began barking in the distance. We're close. This experience only lasts for a few fleeting moments. I strived to pack every morsel into my memory. Counting down from minutes to seconds, the sun is a disappearing sliver.
Then…no visible light is detected through the glasses, and once removed (the only time one can safely view the sun without the glasses is during totality), the most dramatic sight awaits me. It's a total solar eclipse. The most spectacular sight these eyes have ever beheld in nature. The moon is a pitch black, perfectly circular orb in the sky, and surrounding it is a brilliant glow of the sun's corona, the outermost layer of its atmosphere, over a million degrees hotter than its core, with the helmet streamers irregularly spiking out at points. There is a noticeable red prominence at the bottom of the moon, or what I perceive to be a type of solar flare. It's breathtaking. I can't soak it up enough. I snap a photo with my wife to capture the moment, but it doesn't capture how brilliant the sight is or how spiritual the moment is. I'm humbled. I never thought I'd experience a moment like this, truly once in a lifetime. With only a little over two minutes of totality, your brain can hardly process all the information you want to capture. I long wanted to look near the trees for the strange crescent shadows or shadow bands the eclipse produces, but it skipped my mind. I couldn't look away.
The atmosphere mimics a full moon night, dark yet vivid, with a cool air enveloping us. The horizon surrounding us was a sunset. We
were entirely in the shadow of the moon, yet the sun shown 360 degrees outside of that shadow in a brilliant sunset effect in every direction on the horizon. Briefly, I took note that Jupiter and Venus were visible to the upper left and lower right, respectively, of the eclipse, but I soon found my eyes revert directly back to the magnificent display.
A jet-black disk surrounded by the beaming atmosphere of the sun appeared like a gateway to Paradise. Soon, the moon continued its journey past the sun, unwavering. One final magnificent display of the "diamond ring effect" left my mind reaching for the moon, begging it to stay put, even for just a few more seconds. It was set to motion by the Almighty. Only He can stop it. That concluding exhibit as the sun burst forth its first rays in over two minutes was blinding and blazing, a sign-off for 20 years until the "stars align" yet again for their cosmic ballet.
Realizing I was back on earth, we hopped in the car and started her up. We were the first car out of the lot. I remember having to turn the lights on as we sped away in our attempt to beat the stampede out of there. It was as if a new morning had dawned as the sun gradually returned to its old self and the moon continued its journey around our rock.


SYMPHONY FROM PAGE 11
Most modern astrophysicists point to the science of the cosmos and use the knowledge of the universe as a reason to deny the existence of God. Science and faith have a storied past. Some of the former leaders of our faith have punished the greatest minds of their time for believing the wellestablished fact that the sun is the center of our solar system. Some of the leaders in the scientific community have constantly degraded the beliefs of humans, who are just as intelligent as they are, for their beliefs in a higher power. It's been a battle as old as time itself. In my eyes, they go hand in hand. I believe in God not despite science but because of it.
The sun is 400 times the moon's
diameter, while the moon is 400 times closer to Earth, hence the spectacle of an eclipse, and why they line up perfectly for this stellar production. If you were a cosmic giant and could roll the Earth in the palm of your hand, it would feel smoother than the surface of a cue ball. Is all that random coincidence? I can't count how many times I've laid on a patch of grass and watched a meteor shower, peaked through my telescope at the pockmarked surface of the moon, or enjoyed a cup of coffee and soaked up the painting of a sunrise in the solitude of a quiet, still morning. God Almighty is evident in them all.
One of the best analogies I've seen between this scientific event and faith was comparing the eclipse to Christ's tomb. The stone was rolled into place, and darkness
covered the Earth, as it literally did when the moon covered the sun. Sunday arrived, the tomb was rolled away, and the Son shone brightly again. Amid that phenomenal cosmic event, my adorable wife sweetly said, "It looks like a portal to Heaven." She wasn't wrong.
This autumn, whether you're watching the sun creep up over the horizon through a patch of woods in a deer stand, taking a scenic drive on a country road to view the changing leaves, or walking your family through an orchard while picking out pumpkins, I pray you find the Almighty in them all. It doesn't have to be a striking and rare event like an eclipse. I've found Him just as easily in a lonely, still morning in a patch of woods as I have in a pew on Sunday morning. I hope it's just as easy for you. v








EVENTS
Have an event you’d like to share?
Sweet Owen Magazine accepts event listings free of charge from civic groups, volunteer organizations, churches, clubs, etc. Send your event and a brief description to editor@ sweetowenmag.com by 4 p.m., Friday, Oct. 25, 2024, for the winter edition.
Monday, Sept. 2
Labor Day
Tuesday, Sept. 3
10:30 a.m., Storytime at the Owen County Public Library
Welcome back to Storytime! Read some books, sing some songs, and make a small craft. This program is intended for young children and their parent or caregiver. The program repeats every Tuesday when school is in session.
Thursday, Sept. 5
10 a.m., Yoga With Tiffany at the Owen County Public Library
Tiffany returns to lead the class. Enjoy moving slowly and breathing deeply. Leave class feeling refreshed and balanced. Suitable for all fitness levels.
11 a.m., Walk Away the Pounds at the Owen County Public Library
Walk your way to better health. Join in and walk in place to the Leslie Sansone 30-minute walking video. Speed up your metabolism. Feel better. Low impact.
Friday, Sept. 6
Books@Noon at the Owen County Public Library
Discuss “The Butterfly’s Daughter” by Mary Alice Monroe. The book to read for October is “Alice I Have Been” by
"Life starts all over again when it gets crisp in the fall" — F. Scott

p THE 2024 CHAMBER MARKETPLACE CRAFT & VENDOR EXPO is slated for 10 a.m.-2 p.m., Saturday, Nov. 23, at Owen County High School. The event is designed to allow businesses without a storefront to showcase items in front of holiday shoppers. It features local and regional direct-sale vendors, ranging from handmade items to baked goods. — Photo by Molly Haines Riddle/Sweet Owen Editor
Melanie Benjamin, about the real-life Alice for whom Lewis Carroll wrote “Alice in Wonderland.”
Sunday, Sept. 8
Grandparents’ Day
Monday, Sept. 9
5 p.m., Paws to Read at the Owen County Public Library
Encourage your child to read in a fun, no-stress atmosphere. No matter the age or ability, your child will love to read to a certified therapy dog from Pawsibilities Unleashed, Inc. Each child will be given 10 minutes
to read to one dog per program. Please call the library at 502-4843450 to register; space is limited.
Tuesday, Sept. 10
5:30 p.m., Knitting and Crocheting with Leah
In a ball of yarn is the potential to make a dream come true. Join in on the second Tuesday of each month and make new friends with others who love yarn work. All yarn lovers are welcome.
Wednesday, Sept. 11
Patriot Day
Fitzgerald
3:15 p.m., Tween/Teen Art: Oil Pastels at the Owen County Public Library
What are oil pastels? Pigment made with wax and oil formed into a stick or crayon creates a creamy quality paint. Join this after school art program combining both painting and drawing in the one medium, oil pastels. Watch a short video for ideas and then create a masterpiece.
Thursday, Sept. 12
4 p.m., Ballet Lessons at the Owen County Public Library
Beginner ballet lessons with Miss Julie. Ballet slippers recommended but not required. Wear comfortable clothes or tights and leotard/bodysuit. Best for ages 6 years old and up. Class size is limited. Classes continue through Oct. 3. Must register.
Saturday, Sept. 21
9 a.m., Craftin' for the Community at the Owen County Cooperative Extension Center
Craftin’ For the Community is an all-day crafting event held each spring and fall at the Owen County Cooperative Extension Center. Table spots for the events are sold at half-table for $30 or a full, six-foot table for $55. All proceeds from the event are given to local, non-profit organizations within the community. The event includes a continental breakfast and catered lunch, which are included along with drinks and snacks all day.
10 a.m.-6 p.m., Sweet Owen Day
Live entertainment, vendors, Kidzone, health fair, corn hole tournament, Rotary Club pancake breakfast, and 5K run/walk—all on the Owen County Courthouse Square!
Tuesday, Sept. 24
8 a.m., September Chamber of Commerce Membership Meeting
The September Owen County
Chamber of Commerce Membership meeting will be held at ARC Eagle Creek, 330 Roland Avenue. Breakfast begins at 7:30 a.m., with the meeting at 8 a.m. The guest speakers will be representatives from the Northern Kentucky Area Development District. 1:30 p.m., Kentucky Dulcimer Gatherin’ at the Owen County Public Library
Join us for an afternoon concert provided by talented locals. The Kentucky Dulcimer Gatherin’ will play and share their music. Open to all ages.
Monday, Sept. 30
10 a.m., Stretch & Strengthen Exercise at the Owen County Public Library
Do you want to stretch and strengthen for better health? Come participate in all standing exercises. Move every muscle to prevent muscle atrophy. Join Miss Julie and follow the video on the big screen.
Saturday, Oct. 5
10 a.m., Monterey Homecoming Fair
Mark your calendars and join us for the 2024 Monterey Homecoming Fair, featuring a parade, old-fashioned games, handmade crafts and wares, food, music, and more! For more information, please see Page 16.
Tuesday, Oct. 15
6 p.m., Painting 101 at the Owen County Public Library
Learn basic painting and composition techniques every third Tuesday of the month. Can start anytime. Beginners welcome! Register at 502-484-3450.
Tuesday, Oct. 22
3-4 p.m., Bookmobile at Perry Park Resort
Find the Owen County Public Library
Bookmobile at Perry Park Golf Resort, 595 Springport Ferry Road. All dates/ times subject to change due to inclement weather; see the Owen
County Public Library website and Facebook page for updates.
Monday, Oct. 28
National First Responders Day
Thursday, Oct. 31
Halloween
Monday, Nov. 11
Veterans Day
Tuesday, Nov. 12
Bookmobile at Jonesville United Methodist Church
Find the Owen County Public Library
Bookmobile at the Jonesville United Methodist Church, 4485 Stewart Ridge Road. All dates/times subject to change due to inclement weather; see the Owen County Public Library website and Facebook page for updates.
Wednesday, Nov. 13
World Kindness Day
Saturday, Nov. 23
10 a.m.-2 p.m., Chamber Marketplace Craft & Vendor Expo at Owen County High School
The Owen County Chamber of Commerce presents the 2024 Chamber Marketplace Craft & Vendor Expo, an event designed to give businesses without a storefront an opportunity to showcase items in front of holiday shoppers. The event features local and regional direct-sale vendors, ranging from handmade items to baked goods. Food vendors are on-site throughout the day. The event is held at Owen County High School.
Thursday, Nov. 28
Thanksgiving Day
Saturday, Nov. 30
Small Business Saturday
STIRRING the pot
Monterey Homecoming Fair's burgoo tradition unites a community
BY MOLLY HAINES RIDDLE Sweet Owen Editor
Every other October, as the crisp air settles over the small village of Monterey, Kentucky, the familiar scent of burgoo wafts through the streets, signaling the beginning of a cherished local tradition. The scene is one of community and history, where cast iron kettles bubble with a rich, smoky stew, and townsfolk gather to reminisce about days gone by. This is the Monterey Fair, a celebration that has become a touchstone for the area, connecting past and present in a way few events can.
The origins of the fair are rooted in the community's rich history. Monterey was once known as Williamsburg, located on the banks of Cedar Creek, with direct access to the Kentucky River. In the 19th century, it was a bustling trade hub where agricultural goods were loaded onto flatbeds and keelboats destined for markets as far away as Louisville and New Orleans. The town was officially renamed Monterey in 1847 in honor of the Mexican-American War's Battle of Monterrey. By the late 1800s, Monterey was a thriving community with a downtown district that included a post office, hotels, grist mills, blacksmith shops, and the W.D. Hardin Dry


Goods Store—the first building in Owen County to have an elevator. However, the town's fortunes would take a turn for the worse. A series of catastrophic floods and fires decimated many of these early structures. By 1970, Monterey's population had shrunk
p THE MONTEREY HOMECOMING FAIR returns Saturday, Oct. 5, bringing with it the tradition of burgoo, a hearty stew that has become synonymous with the event. In the above photo from 2022, Colby New, right, watches over the 60-gallon kettle passed down to him by his late uncle, David New, who prepared the burgoo each year beginning in the early 1980s through 2010. — Photo by Molly Haines Riddle/ Sweet Owen Editor t David New, pictured here in 1984, began preparing the burgoo for the Monterey Homecoming Fair in the early 1980s through 2010.
by nearly half. In 1969, the closure of the town's post office, the second-largest in Owen County, marked another blow, signaling what many feared would be the final decline of this once-vibrant community.
But Monterey was not destined
to fade away. In the early 1970s, a renaissance of sorts began when a group of artists and craftspeople discovered the charm of the small, almost forgotten town. Led by James "Jimmy Clark" Hudson, a journalist turned attorney who had grown up on Monterey's Point of Rock Road, this eclectic group saw the potential in Monterey's vacant houses and historic buildings. Hudson, who had returned to his family farm after earning a law degree, found Monterey to be the perfect setting for those seeking a simpler, more meaningful life.
"He found all these cheap houses, which, of course, didn't have running water; they didn't have anything in them," recalled Dara Carlisle in 2022.
Hudson and his friends were soon followed by others, including Gray Zeitz, who would open Larkspur Press, and Paula Nye, who started the Jubilee Candle Shop. These new residents began to establish businesses that would revitalize the town. In 1976, they decided to organize the first Monterey Fair as a way to bring the community together and share their crafts with a broader audience.
The fair was a resounding success. Held Aug. 7-8, 1976, it featured a range of activities, from bookbinding demonstrations by Zeitz to a burgoo supper prepared by Scott Ballard. Traditional children's games like sack races and turtle races were also part of the fun, and the fair ended with a street dance featuring the Progress Red Hot String Band and cloggers from Berea. The event was so popular that it quickly became a biennial tradition, moving to October to accommodate the local farming community's schedule.

The burgoo, a hearty stew that has become synonymous with the Monterey Fair, is a tradition the New family has carried forward since the early 1980s. David New, who took over the preparation of the burgoo from local figures like Ballard and Stoney Spicer, became a fixture at the fair, stirring the massive 60-gallon kettle with care and pride. "People came from everywhere to eat burgoo," recalls New's wife, Barbara. "It would be gone within two hours. There'd be a line all the way through town."
David New passed away in 2014, but not before passing the burgoo paddle—and the tradition—on to his nephew, Colby New. Colby continues to lead the effort today, making 60 to 80 gallons of burgoo each time, depending on the expected turnout. The preparation begins long before dawn, with vegetables cut and meat prepared under the stars, all following a
family recipe that gives the stew its distinctive smoky flavor.
As the fair has grown over the years, it has faced its share of challenges, including the dissolution of the town's official government, which has led to more red tape and logistical hurdles. Yet, the spirit of the event remains unchanged. "We want to keep it like it was," David's daughter, Vanessa, said. "We're trying to bring back traditions like decorating bikes for the parade, which was a big deal when we were kids."
The Monterey Fair continues to be a celebration of community, history, and resilience. This year's fair is slated for Saturday, Oct. 5, and will include favorite events such as the parade, oldfashioned games, handmade crafts and wares, food, music, and more. For more information, visit https://www.facebook.com/ events/910415544076008. v
p BARBARA NEW, RIGHT, sets out the first cup of burgoo at the 2022 Monterey Homecoming Fair. — Photo by Molly Haines Riddle/Sweet Owen Editor
Find your 'Furever Friend'


OCFA 2024 REPORT
Owen County Friends of Animals (OCFA) is a nonprofit 501(C)(3) organization with the goal of improving the plight of dogs picked up as strays in Owen County. OCFA has saved over 5,000 dogs from senseless death since its inception and operated solely on donations from that time until October 2021, when the county began allotting a $35,000 portion of its budget for OCFA to utilize in return for overseeing the animal control officer and payment of that salary.
OCFA is responsible for all facets of operating the Owen County Dog Shelter, as well as the vetting of all animals, upkeep of vehicles, insurance, the animal control officer’s salary, transporter’s salary, and some basic maintenance of the facility. OCFA’s vet bills run around $40,000 a year. OCFA also tries to assist county residents (and occasionally others in emergencies) with vet bills and spaying and neutering pets when funding allows. OCFA always goes the extra mile and is committed to doing what is necessary to rehabilitate feral, injured, and special needs dogs that end up at the shelter.
OCFA’s No. 1 need is monetary donations to assist in paying its vet bills, which have increased due to the current economy and price hikes on medicines, vaccines, etc. Although the organization does receive a special rate, the vetting costs are a great burden. OCFA insists every dog be sterilized and receive vaccinations, parasitics, and testing to detect insect-borne illnesses and treat any medical issue present.
Donations are tax deductible and can be sent via: Mail: OCFA, P.O. Box 234, Owenton, KY 40359
Venmo: @ocfanimals
PayPal: ocfanimals@gmail.com

PASSION and play
The evolution of Owen County's Parks and Rec soccer program
BY AMANDA ANDERSON MATTHEWS
Sweet Owen Contributor
As fall arrives, bringing the familiar sights of changing leaves and the start of a new school year, it also marks the beginning of soccer season in Owen County. From August through October, children from around the county gather at the Owen County Park and Fairgrounds, where their love for soccer has grown into something much more—a cornerstone of community life. The Owen County Parks and Recreation (P&R) soccer program is a shining example of what a dedicated community can accomplish, evolving from a small effort behind the Lighthouse Church into a program involving hundreds of local children.
A Legacy of Dedication
Delores Dempsey's youth soccer journey began in 1997 when her 3-year-old son expressed an interest in playing. Over time, she transitioned from being a supportive parent to a coach and certified referee. Today, she coaches a U12 team that includes her granddaughter, continuing her deep involvement with P&R. Reflecting on the program's growth, Dempsey recalled, "Originally, the first fields were out behind the Lighthouse


Church and then moved to Monterey. We used to play in both the fall and spring, but now it only happens in the fall."
Despite some ups and downs, including a period of declining interest, Delores has seen a recent resurgence in participation. "For a while, soccer was really big, but it started to shrink. However, the last two seasons, the numbers have come back up," she said. With her background as a physical education teacher at Owen County Elementary, Dempsey knows the value of
p FOR DECADES, youth soccer has played an integral role in shaping the lives of Owen County youth, including Alan Perez, a current participant in Parks and Rec soccer. Parents agree that the program fosters a supportive environment and helps build leadership skills.— Photos by Amanda Anderson
physical activity and the importance of letting kids explore different sports. "It's a great way for kids to be involved in any sport and get the experiences and see which ones they enjoy. I don't think kids need to specialize in a sport at a young age."
As the season begins, she is set to coach the middle school girls' soccer team, continuing her longstanding commitment.
Carrying on the Tradition
Brian and Kelsey Gognat have
stepped up to carry on the tradition of youth soccer in Owen County. Driven by their own experiences growing up with the sport, they are determined to provide the same opportunities for their sons. "I grew up playing soccer in Owen County from ages 5 to 18. I also refereed for many years. Soccer was a significant part of my life," Kelsey said.
Seeing a dip in participation, they saw a chance to revive the program. "Our participant numbers are rising. More youth are getting involved and playing. This year, we managed to form a U14 team, whereas last year, we only had three players in that age group."
Their efforts have paid off, with the successful Challenger Soccer Camp being a particular highlight. Over 40 kids attended, learning from professional coaches from around the world. The camp's success ensures it will return next year. The Gognats credit much of the program's growth to the dedication of volunteer coaches. "Without a doubt, it is our coaches. We have an incredibly talented group of coaches who are passionate about soccer," Kelsey emphasized.
They encourage everyone in the community to get involved by attending games, volunteering as coaches or referees, or helping with
equipment and sponsorships. "As the program grows, so do our needs, which is a positive challenge to have," Brian added.
The Early Struggles and Triumphs
Jim Gash played a key role in the early days of Owen County soccer.
"The parents decided to start a league so that people wouldn't have to drive to Frankfort to play," he recalled. The early days were tough, with challenges like finding suitable fields and enough players to form teams. "There were many problems in the beginning, like which fields to play on."
But through determination and hard work, the league began to take shape. Known as "The 127 Corridor Conference," parents were willing to drive long distances for games, which not only provided teams to play against but also helped build skills and competitiveness. "We brought up a group of kids to be refs, and they were instrumental in helping the league succeed. And many of those kids are still involved in soccer," Gash added.
For him, the most rewarding aspect is seeing former players become coaches themselves. "What warms my heart more than anything is that a lot of the kids I coached
have become coaches." This legacy of giving back continues to fuel the program's success.
Cameron and Abigail: A New Generation of Players
For Cameron and Abigail Shepperd, the P&R soccer program is more than just a sport—it's a big part of their lives. Cameron, now in sixth grade, has played for six years, while Abigail, a fifth-grader, has four years under her belt. Their parents, Brian and Christine, who both played youth soccer and continue playing in adult leagues, chose P&R soccer to expose their kids to team activities and exercise.
"The atmosphere for soccer is a lot more relaxed in comparison to some of the other programs, which makes it feel like a break, even though the kids are still moving," Christine explained.
Abigail appreciates the supportive environment created by the coaches. "I love the coaches I've been paired with. They are super nice and extremely helpful, making it a joy to show up," she said.
For Cameron, the emphasis on teamwork and leadership is what stands out. "The push for the team to work together helps build our leadership skills." v

PARTICIPANTS IN
CHALLENGER SOCCER CAMP enjoy a water gun fight. — Photo by Amanda Anderson Matthews
















Daylight is slipping under the horizon as JT Olds holds motionless, awaiting the perfect angle to take a 2023 opening week buck in Owen County. As he waits, his pocket begins to buzz like a hornet's nest, but now is no time to make careless movements. His phone already buzzed moments ago as the large, mature 14 stood at the hayfield fence, diligently scanning the alfalfa field for danger. Thoughts pass through his mind as to why his phone is vibrating in his pocket. The deer has now entered shot range, and his body is shifting. A steady trigger pull sends a flash of carbon and metal to its mark. As the deer begins to crash into the alfalfa field JT already has his phone in his hand. Grayson Olds breaks the silence, "I smoked him, dad, I smoked the Big 10." Grayson is JT's 12-year-old son, hunting only 400 yards away. "I just killed a monster," JT replied. Grayson is quite familiar with JT's tendency to joke around and asks, "Dad, are you being serious?" The excitement is palpable in their brief exchange, and Grayson heads to pick up his dad.
Many would say it's a blessing or pure luck for a father and son to double up on mature deer in velvet, but the larger blessing is a son dedicated to their shared passion. JT took Grayson to the hunting blind for the first time when he was four, and at six, Grayson took his first whitetail.
Owen County Almanac
An exploration of the great outdoors |
BY JOSH RODAMER
At 12, he has taken multiple mature bucks with a crossbow, starting with a 158-inch brute that Grayson wasn't quite sure was big enough. JT explains that watching Grayson grow into deer hunting has been a lot of fun. "He puts in a lot of work and time," JT said. "And he has a lot of success."
Grayson has become so talented at his whitetail scouting and habitat work that JT calls him Big G Outfitter. Determination, hard work, and patience are just a few qualities that describe Grayson's passion for hunting. JT points out that Grayson lets many of them walk each year and has more patience than he did as a kid. Just as the best guides care about their clients' success, Big G Outfitter cares a great deal about his dad's success. He will often tell JT, "If you want to kill your deer, tonight is a good night." The night they killed their 2023 bucks was no different.
Grayson had been watching the Big 10 all summer and decided he was the deer to target this fall. He tried to get him on opening day, but the deer didn't follow the plan and crossed the wrong spot. Grayson gathered more information and put out a camera and corn. The next good night of hunting had to be passed over for a birthday party, and on Sept. 5, Grayson asked JT if they could go hunting. "The wind is perfect for the stand tonight," he explained to
his dad. Unfortunately, JT had to work on the hay mower, but Grayson asked if he could go out himself. JT agreed, and as Grayson headed to the stand, he made sure to tell his dad that he had laid all his hunting gear out for him while he continued working on the mower.
As working on equipment sometimes goes, or perhaps often, JT decided a break may be beneficial and quickly got ready around 7:30 p.m. He wanted to hunt with Grayson but knew that walking in now could mess up the hunt, and opted to sit in the alfalfa field stand to just watch and relax. JT had been texting back and forth with Grayson to check on his hunt when that unfamiliar deer approached the edge of the hayfield fence. After the shots, JT was anxious to return to Grayson's deer and start tracking in the fading light, but there was no need. Grayson's deer had piled up five feet from where his body soaked up the crossbow bolt, tipped with a VIP Veteran Broadhead. Both deer had gone down in sight, but JT phoned a friend anyway to help them load the deer up. It takes little convincing to have your friends come to help you load a monster deer, much less two. The group was up until after 2 a.m. the next morning, working on the deer, telling stories, and making the best hunting memories a father and son could share.
The bucks hang on the wall at the Olds's home, shoulder-mounted so they are looking at each other, a tribute to the hunt and hard work. When asked what their favorite way is to prepare their deer meat, JT said, "We're pretty simple. Battered and fried in a skillet is probably the best way we like it." The best hunting stories end surrounded by family and friends, with game in our stomachs and memories in our minds.
Kentucky's deer archery season opened Saturday, Sept. 7, and closes 30 minutes after sunset Monday, Jan. 20, 2025. The fall is full of opportunities for hunting and fishing in Owen County, from deer and squirrel to upland game and ducks. Visit fw.ky.gov and download the fall hunting guide for all the necessary




HOMES
N. Main St. | 248 W. Seminary St. Owenton, KY | (502) 484-2828 www.mcdonaldandnew.com
REMEMBERING . . . Willnetta Coates
The late Willnetta Coates served in the U.S. Navy WAVES during World War II
BY MARLENE BROWNING WAINSCOTT Sweet Owen Contributor
The late Willnetta Hutcherson Coates served in the U.S. Navy WAVES (Women Accepted for Volunteer Emergency Service) during World War II, from 1943 to 1945, achieving the rank of Storekeeper Second Class.
Coates was born and raised in Grant County, Kentucky, before marrying Herschel Coates of Owen County.
The WAVES of World War II
The WAVES of the U.S. Navy were established in 1942, allowing the Navy to accept women into the Reserves as both commissioned officers and enlisted personnel for the duration of the war, plus six months. The WAVES gave women like Willnetta the opportunity to serve their country during a critical time in history.
Coates joined the WAVES because she felt it was her duty to represent her family. Her brother's health prevented him from serving, and her father, who was too old to enlist, had also tried to join. Inspired by propaganda posters and a turningpoint film, “Hitler’s Children,” Coates enlisted. “I was living in Cincinnati, working at a bank. I took a streetcar to Covington and joined there,” she recalled. Though her parents were initially apprehensive, fearing she
might be sent overseas, they were ultimately supportive.
Training and Service
Coates underwent basic training at Hunter College in New York and then attended Indiana University for three months, where she studied bookkeeping and accounting. During their training, the WAVES learned various aspects of the Navy, including ranks, ships, aircraft, naval customs, and history. Physical training and fitness were also emphasized. “After the training at Indiana, they gave us a choice of where we wanted to be stationed. A friend and I heard Jacksonville, Fla., was a great place, so we signed up to go there, but they sent us to Weeksville, North Carolina, instead. It was only five miles from her home,” Coates chuckled. “Needless to say, she was a little disappointed.”
Naval Air Station Weeksville, N.C.
Coates and several others were stationed at the Naval Air Station in Weeksville, N.C., a unique part of the Navy during World War II. The base was one of the few lighter-thanair naval air stations, also known as "blimp bases," used for antisubmarine patrols along the coast and harbors. “I was in the Navy and couldn’t even swim,” Coates recalled with a smile. Despite this, she enjoyed being on the water and longed to go up in a blimp, though she was never allowed.
“Our job was to relieve a sailor so he could go to sea,” Coates explained. The WAVES were welcomed because their presence

p THE LATE WILLNETTA COATES served in the U.S. Navy WAVES (Women Accepted for Emergency Service) during World War II.
allowed sailors to fulfill their duty overseas. “They were thrilled to see us. It’s all they talked about . . . going to sea.”
Coates worked in the office, taking inventory and ordering supplies, replacing sailors who were called to sea. She fondly remembered the camaraderie and friendships she formed during this time. “They were a great bunch of guys and girls. I have a lot of good memories. I think about them all the time. Those two guys I sent to sea—I always wonder what happened to them. I wonder if they made it through. I will never know.”
The WAVES were expected to adhere to the Navy's strict rules and regulations, including wearing uniforms at all times. Coates recalled the relief of switching from wool suits to seersucker dresses
after moving to North Carolina. “We lived in the barracks, and our cubicle was so small. There were four bunks and four tiny closets. We didn’t have any civilian clothes, so we didn’t need much room for our uniforms.”
Willnetta Coates returned home from service on Christmas Day, 1945.
Meeting Herschel Coates
Herschel Coates, who served in the South Pacific during World War II, met Willnetta after the war. “Herschel’s cousin, Marvin Ray Stewart, introduced us. He called me for a date the next day, and we talked every day on the phone after that.” The couple married in December 1946 and had three sons: David, Bob, and Bruce.
Herschel pursued a career in funeral service, eventually purchasing part interest in the Smither and Coates Funeral Home in Owenton. “We lived above the funeral home. The boys were raised there.” Herschel retired in 1984, and the business was later sold to Tom McDonald in 1985.
Although Willnetta considered herself a transplant rather than a “true Owen countian,” her years of dedication to the community and her continued love for the town and its people made her an integral part of Owen County.
As we approach the 83rd anniversary of the United States’ entry to World War II, we take this time to reflect on the courage and sacrifice of those who stepped forward to serve in one of the darkest times in history. The stories of “The Greatest Generation” are grounded in a deep sense of duty, with individuals like Wilnetta Coates willing to venture into the unknown to protect our way of life.

p THE LATE WILLNETTA COATES, center, with her two sons, David and Bob, at an Owen County Historical Society event in 2016.
A Moment of Reflection
One of the most poignant moments in my conversation with Willnetta was when I asked her how she felt when she found out the war was over. “A bunch of them went to Norfolk to celebrate, but I just couldn’t; I stayed in my room. It wasn’t that I didn’t want to celebrate, but it was just too big of a moment.”
World War II officially began on Sept. 1, 1939. The U.S. entered the war on Dec. 8, 1941. As we approach that anniversary, we take this time to reflect on the courage and sacrifice of those who stepped forward to serve in one of the darkest times in history. The stories of "The Greatest Generation" are grounded in a deep sense of duty, with individuals like Willnetta Coates willing to venture into the unknown to protect our way of life.
This December, as e remember the day the U.S. entered World War II, take a moment to reflect on the "greatness of the moment" as Willnetta did when she realized the full gravity of the war that lay ahead. v
This story was written in 2016 by Sweet Owen contributor Marlene Browning Wainscott. Willnetta Coates, who passed away at the age of 96 on Sept. 16, 2017, is remembered and honored for her service. We extend our gratitude to Coates and all those who have bravely served our country to protect our freedoms. Owen County veterans are encouraged to share their stories with Browning Wainscott to preserve these crucial moments in our country's history. If you would like to share your story, please email editor@ sweetowenmag.com.






1 tbsp. salted butter
1/2 medium onion, chopped
1/4 cup melted salted butter
1/4 cup all-purpose flour
2 cups milk
2 cups chicken stock
McNally House of
What's better on a crisp fall day than a heaping pot of broccoli cheddar soup? Not much, in my opinion. Grab your frozen broccoli from the summer garden stash and a few pantry staples, and you'll be on your way to Cozytown! Add whatever toppings you'd like, from bacon to green onion, freshly shredded cheddar, or even hot sauce. Share a bowl with someone who needs a friend this year.
1 1/2 cups chopped broccoli
1 cup diced carrots
1 stalk celery, thinly sliced
2 1/2 cups shredded sharp cheddar cheese (shred your own; it's worth it)!
Salt and ground black pepper to taste
Melt 1 tbsp. butter in a skillet over medium-high heat. Add onion and cook and stir until tender and translucent, about five minutes.
Whisk 1/4 cup melted butter and flour together in a large saucepan over medium-low heat. Continue to whisk and cook, adding 1 to 2 tbsp. of milk if necessary to keep the flour from burning, about three minutes. Gradually add milk while whisking constantly; stir in chicken stock and bring to a simmer. Cook until the mixture is thickened, about 20 minutes. Add broccoli, carrots, celery, and sautéed onion, and simmer until all the vegetables are tender, about 15 minutes.
Stir in cheddar cheese until melted; season with salt and pepper to taste before serving.

u LYNDSI McNALLY is a resident of Owen County, wife, and mother of two boys. She makes her living as a Family Support Worker for HANDS at the Three Rivers District Health Department and often entertains her hundreds of Facebook followers by sharing photos of home-cooked meals.
Broccoli Cheddar Soup
Autumn's literary harvest
Books to savor this season | COMPILED BY MOLLY
HAINES RIDDLE


The Love of My After Life
Kirsty Greenwood
384 pages, $28.99
Lula Dean's Little Library of Banned Books
Kirsten Miller
304 Pages, $30
In Kirsty Greenwood's "The Love of My After Life," a recently deceased woman meets “the one” in the afterlife waiting room, scoring a second chance at life (and love!) if she can find him on earth before 10 days are up.
If she wasn’t dead already, Delphie would be dying of embarrassment. Not only did she just die by choking on a microwavable burger, but now she’s standing in her “shine like a star” nightie in front of the hottest man she’s ever seen. And he’s smiling at her.
As they start to chat, everything else becomes background noise. That is until someone comes running out of a door, yelling about a huge mistake and sending the dreamy stranger back down to earth. And here Delphie thought her luck might be different in the afterlife.
When Delphie is offered a deal to return to earth and reconnect with the mysterious stranger, she jumps at the opportunity to find her possible soulmate and a fresh start in life. But in a city of millions, Delphie is going to have to listen to her heart, learn to ask for help, and perhaps even see the magic in the life she’s leaving behind.
First Published: July 2, 2024
Genres: Romance, Fantasy, Magical Realism, Chick Lit
Average Goodreads Rating: 4.21/5

And They Called It Camelot
Stephanie Marie Thornton
384 pages, $28.99

Stoner
John Williams
292 Pages, $17
In "Lula Dean's Little Library of Banned Books," Beverly Underwood and her arch-enemy, Lula Dean, live in the tiny town of Troy, Georgia, where they were born and raised. Now Beverly is on the school board, and Lula has become a local celebrity by embarking on a mission to rid the public libraries of all inappropriate books—none of which she’s actually read. To replace the “unsuitable” books she’s challenged at the local public library, Lula starts her own lending library in front of her home: a cute wooden hutch with glass doors and neat rows of the worthy literature she’s sure the town’s readers need.
But Beverly’s daughter, Lindsay, sneaks in by night and secretly fills Lula Dean’s little free library with banned books wrapped in “wholesome” dust jackets. “The Girl’s Guide to the Revolution” is wrapped in the cover of “The Southern Belle’s Guide to Etiquette.” A jacket that belongs to “Our Confederate Heroes” ends up on “Beloved.” One by one, neighbors who borrow books from Lula Dean’s library find their lives changed in unexpected ways. Finally, one of Lula Dean’s enemies discovers the library and decides to turn the tables on her, just as Lula and Beverly are running against each other to replace the town’s disgraced mayor.
That’s when all the townspeople who’ve been
borrowing from Lula’s library begin to reveal themselves. It’s a diverse and surprising bunch—including the local postman, the prom queen, housewives, a farmer, and the former DA—all of whom have been changed by what they’ve read. When Lindsay is forced to own up to what she’s done, the showdown that’s been brewing between Beverly and Lula will roil the whole town…and change it forever.
First Published: June 18, 2024
Genres: Fiction, Humor, Books About Books Average Goodreads Rating: 4.21/5
Few of us can claim to be the authors of our fate. In Stephanie Marie Thornton’s “And They Called It Camelot,” Jacqueline Bouvier Kennedy knows no other choice. With the eyes of the world watching, Jackie uses her effortless charm and keen intelligence to carve a place for herself among the men of history and weave a fairy tale for the American people, embodying a senator’s wife, devoted mother, a First Lady—a queen in her own right.
But all reigns must come to an end. Once JFK travels to Dallas and the clock ticks down those 1,000 days of magic in Camelot, Jackie is forced to pick up the ruined
fragments of her life and forge herself into a new identity that is all her own, that of an American legend.
First Published: March 10, 2020
Genres: Historical Fiction, Politics, Romance Average Goodreads Rating: 4.19/5
In John Williams' classic novel, "Stoner," William Stoner is born into a dirt-poor Missouri farming family at the end of the 19th century. Sent to the state university to study agronomy, he instead falls in love with English literature and embraces a scholar’s life, so different from the hardscrabble existence he has known. And yet, as the years pass, Stoner encounters a succession of marriage into a “proper” family that estranges him from his parents; his career is stymied; his wife and daughter turn coldly away from him; a transforming experience of new love ends under threat of scandal. Driven ever deeper within himself, Stoner recovers the stoic silence of his forebears and confronts an essential solitude.
First Published: Jan. 1, 1965
Genres: Literary Fiction, Classics, Historical Fiction Average Goodreads Rating: 4.34/5
Since 1974, Family Billiards & Restaurant's core values have remained intact: great food, friendly service, and hometown pride. Whether you're new in town or just passing through, we invite you to join us for your next meal — a generous portion of mouthwatering, handcrafted comfort food.


Lending Options

Whether you’re looking to plan a road trip, improving your home, or upgrading your vehicle this fall, we’ll help find a loan to meet your needs!
Explore options like German American Bank’s Smartest Home Equity Line of Credit*, which allows you to borrow money secured by the equity in your home, or utilize one of our consumer loans.* Both offer competitive rates, easy repayment options, and local decision making with a focus on customer service excellence. To find the lending option that’s best for you, our team is here to help every step of the way!

