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Zoning Board Meeting Minutes – 3/21/18

Present:

Chair Myra Mansouri, Vice-Chair Jan Galloway Leclerc, Judy Trow, Tom Murray, Pauline Barnes. Alternates:  Ernie Vose. Absent: Bob Anderson.

Recording: Marilou Blaine. These minutes are unapproved and will be reviewed at the April 2018 meeting for corrections, additions and/or omissions.

Roll Call: Ms. Mansouri called the meeting to order at 7:30 pm.

Minutes:  Minutes of February 2018 meeting. Corrections: Ms. Trow made a motion to accept the minutes as presented. Ms. Leclerc seconded the motion and the motion carried.

Election of Officers: Ms. Trow nominated Ms. Mansouri as chairman. Ms. Leclerc seconded the motion and the motion carried. Ms. Trow nominated Ms. Leclerc as vice-chair. The motion was seconded by Mr. Murray and the motion carried.

Old Business:

Great River Co-op, formally known as Great River Consumer Cooperative Society, Inc. – the organization wants to covert a chicken coop, previously used by Hubbard, on Bensonwood property in the rural/ag zone for a store for the Co-op. Request for a Special Exception, Map 12 Lot 4-2, building 18 and Map 12, Lot 4-3 for the parking lot.

President Kim Mastrianni represented the Co-op.

Three Board members recused themselves because they are members: Ms. Leclerc, Ms. Trow and Mr. Vose. The remaining three Board members was enough for a quorum.

Ms. Mansouri asked Ms. Mastrianni to read the Co-op’s proposal for the project and her answers regarding the criteria for getting a Special Exception needed for a commercial venture in a rural/ag zone.  The criteria are:

C.  Special Exceptions

Industrial, manufacturing and commercial operations by Special Exception from the Board of Adjustment when fulfilling the following requirements:

Consideration of Planning Board recommendation on the project based on its determination following a public hearing, that:

1. Property currently zoned for industrial, manufacturing and commercial operations is either unavailable or inadequate for the proposed use; and the proposed use is appropriate and consistent with the Town’s Master Plan.

2. Each proposed use must show that it will not infringe on the primary established use of the district.

3. No industrial, manufacturing or commercial venture or use shall be permitted which could cause any undue hazard to health, safety or property values or which could be offensive to the public because of noise, vibration, excessive traffic, unsanitary conditions, noxious odor, smoke, or other similar reason.

4. Each proposed use shall provide adequate off-street parking, including loading facilities for freight and delivery trucks, and parking spaces for employers, employees and customer vehicles. Additional parking may be required based on the size and nature of the business.

5. Businesses shall be located at least 65’ from the center line of any right of way and not less than 20’ from each side or boundary.  Greater distances for setbacks and boundaries may be required according to the nature of the business.

All signs shall meet the requirements of Part D of the General Provisions of the Zoning Ordinance.

No retail commercial building shall be permitted which exceeds 40,000 square feet in gross floor area.

Ms. Mastrianni said the proposal requires a Special Exception from the Zoning Board in that we are proposing a commercial enterprise in a Rural/Agricultural district.

The Great River Co-op is a community-owned entity with over 750 members owners in the Great Falls Region. It exists to promote community, environmental, physical and social well-being within the region. We do that, in large part, through connecting our member owners and the greater community to our local farmers and producers and promoting local agricultural production by giving area growers a year-round retail market. We hope that the Board will find this enterprise fits within the spirit of a Rural/Agricultural zone and grant our exception.

Ms. Mastrianni’s criteria are:

Criterion #1: a) We have reviewed several other options for developing the Great River Co-op. Based on a combination of location, space, accessibility, cost to develop, partner support, and availability, this existing structure has been selected as the best potential site for the store.n

Criterion #2: b) The primary purpose for the Rural/Agricultural district is to provide ample area for pursuit of agriculture. The Co-op’s vision is that all people in our region have access to locally grown, locally produced foods and strong community-based connections. It is our intent to provide a year-round market that can connect the community to our local producers, feature one local growers where possible and help them engage with the community. As such, the Co-op would be facilitating local producers in the pursuit of agriculture and, as a commercial operation, be in line with the purpose of the Rural/Agricultural District.

Criterion #3: c) As a food store, it is not in our best interest, not our intention to cause undue hazards to health, unsanitary conditions, noxious odors, smoke, etc. While we hope and expect good patronage of the store, we do not anticipate the resulting noise, vibration or traffic to be excessive as a result.

Criterion #4: d) The building allows for access by delivery trucks. Adequate parking space would be available to the west of the building or by possibly using a portion of Map 12, Lot 4-3.

Criterion #5: e) The existing building and any potential expansion is in excess of 20 feet from the lot boundary. Edward’s Lane currently ends prior to the site.

f) Signage will meet the requirements of the town.

g) The existing building is – 4,680 square feet. The store plans for space between 4,000 and 6,000 square feet.

Ms. Mastrianni had a letter from Bensonwood granting the Co-op the feasibility of converting Building 18, a former chicken coop to a food co-op. Bensonwood owns both lots where both the store and parking lot will be.

Ms. Joanna Andros asked, What percentage of the actual use of the building will be local produce as opposed to canned and packed products, cooked foods? You are justifying this Exception in a rural agricultural area on the basis that you’re providing healthy food locally produced food. For example, when I go to the Co-op in Keene, the produce section is a relatively small part of the store compared to the rest of it. Is your co-op going to specialize in just produce?

Ms. Mastrianni said “no.”  We said we are supporting all our local producers and some of those are farmers. There will be locally produced canned goods and cooked food and there will be some packaged products. The Co-op will be supporting local agriculture and supporting the local farmers and creating connections between them and the community. One of these is to host the farmers market.

Andros’ second question is why a special exception when there is close to that space a lot that is in a commercial zone. Why give up land, which is in the Master Plan, that agricultural land should be retained as much as possible. Even if no one is farming right there now, it is some of the most fertile agricultural land in the state of New Hampshire. The other side to that is no one is farming it right now, but the other side to that is it available if someone wants to farm it. The Master Plan calls for saving that land as long as there is no need to use it. It just convenient for the Co-op members.

Mr. Ray Boas had a statement that he wanted inserted into the minutes. Here it is:

“Coming before the Zoning Board of Adjustment are two applications for special exceptions to utilize zoned Rural/Agricultural Land for commercial purposes. Approval of either application will irrevocably change the fabric of what is Walpole. There are specific criteria for granting a land use exception by the Zoning Board, and all must be satisfied. Neither the application to place the Great River Co-Op on Rural Agricultural Land nor the proposal to construct a gas station/convenience store on Rural Agricultural Land at the south entrance to the village satisfy all criteria.

“Walpole’s Master Plan is an 114 page document providing guidance to Walpole’s Planning Board. The General Goal is “To enrich the lives of Town residents by striving to improve the aesthetic quality and visual impact of the man-made environment…” Specific objectives are designed to “Preserve the character and quality of residential and rural areas …” in Walpole, and to “preserve and enhance the classic New England character…” Section 5 of the Plan states “Agriculture continues to play a significant role in Walpole’s pattern of land use … it also plays an important role in the identity of the Town – visually and culturally. Walpole would not be Walpole without the presence of farms and farmlands.”

“The purpose of Walpole’s Zoning Ordinance is “to fulfill the goals and objectives as set forth in the Town Master Plan;” namely, “to guide the character of development.” The Ordinance allows for some flexibility, but only under certain rigid criteria. An exception to utilize land zoned Rural/Agricultural for other than that use may be granted if “property currently zoned for industrial, manufacturing and commercial operations is either unavailable or inadequate for the proposed use.” Statutory and case law has established five criteria to be met before a variance from the terms of a zoning ordinance may be granted. These criteria include: 1) denial would result in unnecessary hardship; 2) no diminution ivalue of surrounding properties would occur; 3) the proposed use would not be contrary to the spirit of the ordinance; 4) granting the variance would benefit the public; and 5) granting the variance would do substantial justice. Preliminary discussions indicate properties with a view of the proposed convenience store/gas station will be diminished. Further, by their own admission in their application, the applicant, D&C Transportation has stated, “Other commercial and industrial sites listed contain “existing buildings, or did not meet the listed criteria, or were far too expensive.” It is not the Zoning Board’s, nor Walpole’s residents, problem that the other available land was too expensive for D&C’s project.

“Likewise, Great River Co-Op, has other land it can use. In fact, the original plan was to locate down in the flats on Route 12, and most recently to build sandwiched between the Hungry Diner and Pinnacle View. That plan was approved. I understand the Co-Op board’s rationale to request an exception to use an existing building instead of building new, to save on costs and open sooner; but, that does not provide justification or qualify for a zoning exception., By their own previous plans, appropriate land is available, and was going to be used.

“Allowing any use of Rural Agricultural Land for other than its intended use will set a precedent to forever change the corridor through Walpole. Walpoleans have wisely set aside land for commercial development, and that is sufficient. We are all custodians of what is Walpole, and with that comes the responsibility to be attentive stewards to preserve the land, its visual impact, and our heritage. Walpole’s Master Plan is just that, a plan. It is up to us to see its vision through.”

Ms. Mansouri said that one thing has nothing to do with the other. Each Special Exception is decided on its own merits.

Eric Merklein asked if this building is converted into a Co-op and the Co-op goes bankrupt, does this land stay commercial forever. “Yes,” said Ms. Mansouri.

He then asked about criterion No. C parking lot. There is no parking lot. The farmland will have to be dug up to make a parking lot. Ms. Mastrianni said yes. Mr. Merklein added that means more ag land disappears. He continued that during the summer the community has an abundance of local food to choose from – Pete’s Stand, Hubbard’s, Harlow’s. Allen Bros. quit selling to stores because of all the regulations that a store has for selling their produce.

The town already has a local farming situation that is super. “I can’t understand why we have to give up ag land when we already have local. If something happened, and the Co-op couldn’t make a go of it, the town is stuck with a commercial lot and any commercial enterprise could go in there,” Merklein said.

Finally, he mentioned the farmers market that used to be held on the Town Common. “Nobody showed up,” Merklein said. He said that for about six months out of the year, you’ll be importing food from elsewhere. “You will be supporting the local farmers, but not that much.”

Ms. Mastrianni said farmers markets and co-ops are doing great. The one in Putney is doing well as is the one up north. The Brattleboro Co-op is doing great. So as far supporting the local farmers, if there’s a Co-op, they know that they have a pathway to selling their products.

Mr. Merklein asked if the Co-op had to get a recommendation from the Planning Board. Ms. Mansouri said “yes.” He then asked if the Board makes a decision tonight or does it wait for their recommendation?

Ms. Mansouri said it depends on what the Board decides tonight. It will be discussed.

Mr. Steve Dalessio said generally in the rural/ag district, we shouldn’t be giving up agricultural land. But the day those buildings were put, the purpose was for agricultural reasons. Leaving aside the parking lot, the other thing is the Co-op is using existing buildings. In the future those building will deteriorate and over time there will be nothing back there.  It’s not like giving up land for a Jiffy Mart where the town lost an acre of land that’s not prime farmland.

Ms. Andros interrupted and asked, “How do we know it’s not prime farmland?”

Mr. Dalessio said, “That land hasn’t been farmed for a long time.” Ms. Andros said just because it hasn’t been farmed doesn’t mean it isn’t prime farm land. It could be farmed.

Ms. Mansouri asked about the size of the parking lot on Lot 4-3. Mr. Dalessio said it’s about 25 acres. Ms. Mansouri asked how much land will you need for a parking lot. Ms. Mastrianni said she didn’t know and it would be what is required according to the size of our store.

Ms. Megan Hughes asked a question about exceptions. Once you start granting Exceptions, does it set a precedent for other people to apply for Special Exceptions? If you grant an Exception for this person, the next person coming along can ask “why can’t I get an Exception. Is there a potential for a domino affect?”

We judge each case on its own merit as presented, Ms. Mastrianni said..

Mr. Boas raised the question if it had been considered to jack up the building and move it forward. “You could end up with a better situation and more visibility and maybe with a basement.” Ms. Mastrianni said no. He continued that it might make more sense from a marketing perspective and visibility and it was done all the time in the 19th century. It’s a win-win situation.

Ms. Mastrianni said she was open to whatever our owners might want and it depends on the outcome of these meetings.

Ms. Andros said she’s had been reading the Master Plan. “There’s a whole section on land use.  When the Master Plan was developed a number of surveys were done. What was striking to her was that people could rate the importance of various features in Walpole. For example, rural agricultural setting, very important; small town atmosphere, very important; natural habitat, working farms, land available for farming, all very important.” It seems this was Master Plan was done with trying to foresee what could happen and what was valued by the community.

That part of Route 12 is a corridor where commercial land is available.

Tom Murray asked where the sign would be. There is already a large sign for the Co-op near Route 12, Ms. Mastrianni said. The Co-op would be using that and also put one on the building.

How many cars are going to be there? he asked. Ms. Mastrianni didn’t know but was going to do a market study.

The Hungry Diner has a gravel parking lot. It is paved as you come off of Route 12. Are you planning on paved or gravel? Mr. Murray asked. Ms. Mastrianni said it depends on what the town prefers and what was best for the area. The plan would meet whatever the town requirements are. “We’re flexible.”

There are already paved drives there for the trucks, she said, and they were pretty close to what was needed for truck access and a turn around. There would be paved access and double lots for handicap parking.

Mr. Murray said he highlighted a couple of things. One was that you would be using an existing site. And also it aligns with what the land was intended for because it has to do with agriculture.

Ms. Barnes asked about procedure. Doesn’t the parking have to be “fleshed out?” she asked. The criterion asks for a lot more than has been presented. The criterion she was referring to is:  “Each proposed use shall provide adequate off-street parking, including loading facilities for freight and delivery trucks, and parking spaces for employers, employees and customer vehicles. Additional parking may be required based on the size and nature of the business.”

When you present an application, how detailed does the information have to be? Ms. Barnes asked. Ms. Mansouri said she thought it could be more detailed that it was.

Can the Board put restrictions on Special Exceptions someone from the audience asked. Ms. Mansouri said, “It can.”

Ms. Leclerc said, If a Special Exception were approved for a Co-op, no other use could go there. If someone wanted something else there, it would need a variance.

Mr. Merklein said, “But it would be commercial.” Ms. Leclerc explained that the lot would be rural agricultural with a Special Exception for a commercial use. If the building is improved, it’s a special exception only a for a Co-op use. Ms. Mansouri said, “If someone wanted come back and ask for something, they could.”

Ms. Mastrianni speculated that if the Co-op goes in there and it fails, the building is not commercial. It’s getting a special exception for that structure. Ms. Mansouri said, “yes.”

Mr. Vose said, “They are not building another building back there.” And the area is not being intensely farmed. Someone cuts hay there and that’s about it.

Ms. Mansouri said the Board must consider a recommendation from the Planning Board, which they do not have yet. Her suggestion was to have a continuance until the Board hears what the Planning Board has to say. Ms. Barnes said she felt uncomfortable not following procedure.

Ms. Mastrianni said that when she started this procedure, she was told she had to come before the Zoning Board first. That was in accordance with the flow chart. She went before the Zoning Board first and requested a Public Hearing and then was told to go to the Planning Board and get a recommendation and then come back here for the Public Hearing.

When she went to the Planning Board she was told they could not make a recommendation without a Public Hearing and she was supposed to come to them first. So we have now requested a Public Hearing from the Planning Board for April 10. That Co-op Board expected by then there would be some decision made here this evening. Any decision here would be subject to the Planning Board making its recommendation. Ms. Mastrianni said she couldn’t make the Planning Board meeting for April 18 because the Co-op was having its annual meeting on that date.

Mr. Boas said unfortunately this is all very, very confusing but it’s clear that exception 1-a requires a recommendation by the Planning Board following a Public Hearing, which means that the Planning Board has to come first. It’s too bad that the annual meeting is on the same date.

Ms. Mansouri asked the Board for a proposal. Ms. Barnes said, she was sorry about the annual meeting but she agreed with a continuance. “Our procedures are very clear and I don’t think we can make a decision on something that hasn’t happened yet. So I would make go with the continuance.”

Mr. Murray, looking at the Matrix asked, Why did the meeting happen here tonight?

Because I was told we had to come here first, Ms. Mastrianni replied. Ms. Mansouri apologized for the mix-up.

Mr. Murray made a motion to have a continuance and await the recommendation of the Planning Board. Ms. Barnes seconded the motion. Ms. Mansouri also voted aye.

Ms. Mastrianni wanted a clarification of what was going to happen next time and if it included the parking lot. Ms. Mansouri said it would include the parking lot and abutters of 4-3 needed to be notified. The public may still ask questions or make comments at the next meeting.

New Business: Request for a Public Hearing – Expansion of a Non-Conforming Use at the Walpole Village Store LLC, 10 Westminster Street. Addition of handicap ramp. Raynie Laware represented Walpole Village Store LLC.

The Walpole Village Store is being renovated. Ms. Laware said that the new rules require a handicap ramp. The ramp will be on the east near the porch. She requested a Public Hearing for April, paid her fees and submitted an abutter list. Ms. Trow made a motion that the Board accept the application as presented and set a Public Hearing for next month, April 18 at 7:30 pm. Ms. Leclerc seconded the motion. The motion carried.

Ms. Mansouri wanted to know what was there before the door was added. Ms. Laware said it was a window. Ms. Mansouri asked about parking spaces. Ms. Laware said there would be no loss of parking spaces.

New Business: Signage for Joanie Joan’s Bakery on Westminster Street. Ms. Joan Ireland asked for approval of a sign to replace the one that was formerly at Tom Murray’s Restaurant. The sign is free-standing, double-sided 25½ inches wide by 33 inches high. It will be on the existing bracket. It says Joanie Joan’s Eatery & Baked Goods. It is exactly the same size as the previous one.

The sign meets the requirements of the Zoning Ordinance so it was accepted. Ms. Ireland was asked to take a picture of the sign after it was put and leave a coy at the Town Offices for the secretary to be put in her file.

Update: Carmody land – Board members received:

A copy of the original map of Dearborn Circle. It included to the two lots owned by William  Carmody.

A copy of a letter from the Selectboard to the Planning Board regarding this matter.

A copy of a request by Randy Daniels and answer from Avitar for an abatement in 2004.

A copy of the 2007 warrant article to change the Dearborn Circle and Burrows Lane property from Commercial to Residential (the warrant passed).

A copy of the listing in the ordinance in the Zoning Ordinance booklet.

It was determined that the listing in the Zoning ordinance of the decision of the 2007 warrant article is incorrect and a warrant article needed to be on the 2019 warrant to correct the matter. The Zoning Board will write one and submit it to the Planning Board latter this year.

Update: Last year the Board spent a great deal of time coming up with a Matrix to make it easier to follow the path for a Special Exception. It states that the first step is to go to the Zoning Board. However, it was discovered that when it comes to a Special Exception to change a rural agricultural lot into a commercial use, the Matrix didn’t work.

In the past most Special Exceptions have been about putting up a sign in a commercial zone that is less than 100 feet from another sign. That does not require a recommendation from the Planning Board.

Ms. Trow said looking through the zoning ordinance that there were other districts that required input from the Planning Board. For example, Ms. Trow pointed out, in Residential Districts, conversions of existing larger home to multi-family dwellings may be allowed by Special Exception after the property has received Site Plan approval from the Planning Board.

So, it was determined that the Matrix would be set up to address the Special Exceptions in each district. Ms. Trow will work on this.

Map – Avitar created a colorful map pointing out each district. The Zoning Board was asked to match these districts with the information in the Zoning Ordinance. Ms. Trow said that couldn’t be done with this map because there are no names of streets or rivers on the map.

A typical listing would be – “Boundaries of Residential District, Type A.

1. 250 feet back from edge of highway on either side of Hitchcock Road, from the Commercial District on the north and from the Residential, Type B, on the south to 2,000 feet east of intersection of Whitney (Old Cheshire Turnpike) and Alstead (Whitcomb) Roads.” The map will be returned to the Town Offices.

Minutes of last month’s Executive Session: Ms. Trow made a motion to go into Executive Session.  The motion was seconded by Ms. Leclerc and approved by the rest of the Board. Last month’s minutes of Executive Session were passed out. Ms. Trow made a motion to approve the minutes as presented and seal them. This motion was seconded and passed by the Board.

Ms. Trow made a motion to adjourn the meeting. Ms. Barnes seconded the motion and it was approved by the Board.

Respectfully submitted,

Marilou Blaine

Handouts:

Planning and zoning conference

Master Plan – Part 5

Plan for handicap ramp for Walpole Tavern

Info for Carmody

Next meeting Wednesday,  April 18, 2018

Bobcats in New Hampshire – 4/13/18

A program on Bobcats in New Hampshire will be presented by NH Fish and Game wildlife biologist Patrick Tate on Friday, April 13 at 7:00 at the Walpole Town Hall.  Mr. Tate holds a BS and MS in wildlife ecology.  He will be presenting information about bobcats in the state, including their natural history, habitat use, past research efforts and continued monitoring projects.  There will be time for questions from the audience.  The program is appropriate for adults and school age children.  There is no charge for admission, however donations are welcomed.

This program is being held by the Friends of the Hooper Institute as a benefit for the Hooper Institute’s High School Summer Work Program.  Over the past two decades Walpole teens have been placed at a variety of businesses related to agriculture and the environment.  Students have a choice to work with animals:  dairy and beef cows, horses, sheep and goats and poultry; or plants: a vineyard, apple orchard, berry farm or landscaping.  Students can serve as camp counselors for Hooper summer camps. The average cost of the summer program is $15,000.

Doors will open at 6:30 PM.  Come early to bid on many raffle items.  These include services such as diagnostic records from Dr. Emily Samuelson, Orthodontist.  Some Items include gift cards, subscriptions to NH Fish and Game Wildlife Journal magazine, a hand crafted cutting board and bird houses, plus a beautiful piece of art glass by Chris Sherwin. We hope you can join us for a fun and informative evening.  Please support this award winning program for Walpole teens.

April Clarion Now On-line

April CLARION Now On-Line – Important Issues to Read About
by Ray Boas
Yes, the April issue of THE WALPOLE CLARION is done, and has gone to the printer to be mailed by the end of the week. The news in this issue is of paramount importance, as consequences could impact the Walpole that we know and love. There are two threats to losing Rural/Agricultural Land you must know about. The most egregious is at the intersection of South Street and Route 12 – the southern entrance to the village. Just imagine a convenience store with 10 gas pumps on prime farm land. The State has said, “no more traffic lights on Route 12 to slow down traffic.” When will the first fatality occur at this spot? Land values will decline, but worse is the precedent to populate Route 12 with commerce on farm land.

Click here to read the issue — https://walpoleclarion.files.wordpress.com/2018/03/clarionapril18-topress.pdf

If you would like a separate PDF of just page 3 to share, please email me, and I will send it to you.

There are some legal issues that could stop these infringements on the Fabric of Walpole, but all residents must unite to voice their opinions and be heard. I will be providing updates on these issues as they occur with posts from this site. If you have not done so, please look in the right column of the CLARION home page, and “sign up” to follow the blog. And, most important, share and get the conversations flowing.

Thank you for your continued support, yours, RAY

Bank Merger

This message accompanied the post regarding Mr. Wilson’s ad. – Lil

Hello Lil – I will be running the attached ad in the Keene Sentinel Sunday relative to the proposed merger of the Savings Bank of Walpole. However, I should say that the Corporators will vote on the merger Tuesday so after that day the issues raised will just be a matter for history to judge.  If you find it an appropriate item for the opinion section of The Walpolean, feel free to post it there.  Take care. – Richard

“Community banks can’t survive!”

I have heard this a million times since entering community banking in 1973, even as recently as this morning’s Wall Street Journal, that because of this or because of that or whatever the current challenge may be—the disintermediation of the 1970’s, the savings & loan crisis of the 1980’s, the New England housing collapse of the 1990’s in which large NH banks representing almost 50% of the state’s deposits failed, and the ongoing effects of the financial crisis of 2008—“Community banks can’t survive!”

Wrong, because those who have wanted to keep their community bank have done so! Yes, lots of community banks have disappeared in New Hampshire over that period. However, to paraphrase Jerry Lee Lewis’ “Whole Lotta Shakin’ Goin’ On”, that is because there has been a “Whole Lotta Money Makin’ Goin’ On.”

The removal of restrictions on intra-state and then inter-state banking over a number of decades has provided those promoting the ramming of two banks together outsized economic benefits or they wouldn’t have expended the time and effort doing it. There is nothing wrong with making money but let’s be honest about it, instead of invoking the greater good such transactions are purported to represent.

Like two trains in a head-on collision, let’s also be honest that it is the employees in the smaller locomotive’s engine, the people who keep the wheels turning that no one ever sees and the passengers in coach who pay the price—the former with their jobs and the latter with higher fees, higher loan rates, and lower deposit rates. Is someone questioning that last statement? Then go online and compare the fees, loan rates, and deposit rates of your local community bank with those of the billion dollar banks with branches in the state.

So what is a community bank? Look for four telltale signs.

First, you can call the president and the president calls you back and I don’t mean the regional president but the one running the whole show.

Second, the bank has a service culture not a sales culture. In other words, the staff helps you accomplish your goals rather than using you to help it meet its sales, quota, or stretch goals. Ask the customers of Wells Fargo how the employees’ stretch goals have worked out for them.

Third, management doesn’t busy itself implementing the latest fads trending in corporate America.

Fourth, the bank manages the risks associated with offering banking services and accepts the reduction in profitability that it entails rather than increasingly taking risks in every way a bank can to make as much money as possible—it values long-term viability over short-term profitability.

There is another sign seldom seen outside of community banking. The bank strives to treat everyone the same and equally well whether they have a little money or a lot. Those with a lot often value their association with such a bank and support it with their business. They may have started with little themselves and given the vicissitudes of life are comforted by the thought that whatever their financial circumstances they will continue to be treated the same.

Insight into what has happened to Keene’s community banks can be gleaned from an August 26, 2004 Keene Sentinel news story subtitled “Canadian Bank airs cash and stock deal.”

Whatever the outcome, the proposed transaction presents another chapter in the story of a local savings bank that, until it issued its first share of stock about 20 years ago, was a moderate-sized and purely local enterprise.

In the intervening years, due to a number of factors, the $200 million Cheshire County Savings Bank changed its name a number of times as it gobbled up banks in other parts of the state and saw its assets climb into billions until it was purchased itself by Banknorth, a Maine-based firm, which then went on to gobble up a number of other New England banks.i

Along the way, local stockholders rejoiced, as the Keene bank grew in share value, asset size and geographic market.

The rationale for the mergers was similar to that for the other local shareholder-owned banks that grew by acquiring other banks until they were acquired themselves; modern data processing and financial controls enabled banks to merge and cut costs.

In another recent iteration along those lines, the bank at the head of Keene’s Central Square has a new owner.

That institution was once Keene National Bank; it was sold to Indian Head National Bank, which then acquired Keene-based Ashuelot National Bank and then was sold to Fleet Bank, which became FleetBoston Financial in a merger of New England behemoths, and which has just been taken over by Bank of America.

With these and other mergers and consolidations involving half a dozen Keene banks and large New England banks over the years, the city now has no traditional lenders headquartered here, although the Savings bank of Walpole and Charlestown-based Connecticut River Bank have substantial operations in Keene.

It is interesting that the public rationale given for mergers is never the money to be made doing it but the efficiencies and capabilities of scale. However, when a bank starts down this road it becomes a never-ending quest, like getting to the gold at the end of the rainbow. In supporting a merger, banks of $100 million make the case that if they were only $200 million they would really be able to do much better, and those that are $200 million likewise if they were $500 million, and those that were $500 million getting to $1 billion would do the trick, and if $1 billion then great success would certainly come at $5 billion, etc.

But aren’t the bigger banks more efficient and don’t they have the resources to hire the best and brightest? Of course. However, the idea that a bank must continually be larger to realize efficiencies, competencies, and requisite technological capabilities is a red herring. All that is required is competent management. Such management attracts talent that values living and working in the small communities where community banks are found; contrary to what is implied, people working in big cities don’t have great big brains and those working in small towns tiny little brains.

At different scales, management has to pursue different strategies when addressing the same challenges. If size could protect a bank from failing then the rescue of the nation’s largest banks wouldn’t make headlines with each recurring financial crisis nor would the anger about ‘too big to fail’ banks be the political hot button that never seems to go away. If you google the names of the big banks that have merged in the area’s community banks over the decades, and the words ‘banking crisis’ or ‘penalties,’ you will learn in most cases how the smart people outsmarted themselves.

Does the community’s bank have to merge with other banks to compete with the behemoths? If you think so, you have the story backward. Competing with them is as close to shooting fish in a barrel as you can get. The advantage is all to the community bank in competing for customers and employees. How many branches have the big banks opened here in recent decades and how many have they closed? How many employee positions have they created and how many have they eliminated? Yes, they can make really big commercial loans here. But, how much do they invest in pursuing the loans of small businesses that represent the bulk of the businesses and employment in the region?

What if a community bank that is a mutual savings bank wants to grow faster than its market place and plans to accomplish that through mergers and acquisitions along with the growth of a larger and larger branch network? History tells us what to expect. First, it will cease to be a community bank as defined above. Second, growth of that nature cannot be supported by retained earnings—that will necessitate a public stock offering though it may be years down the road.

By law the depositors of a mutual savings bank have an undivided inchoate interest in the net worth of the mutual bank. Though they receive a pro rata share when a dividend is declared or the bank liquidated, the conversion process itself falls short of fully protecting their interest. The FDIC some years ago suggested improvements that I supported but they were shouted down by the industry. As a result, professional investors, the management of the bank, and the board of directors at the time of a conversion could disproportionately benefit. Management and the board usually receive what are called “recognition and retention” shares, which I once heard an investment banker who promotes such stock offerings at mutual banks call them less euphemistically, “the shares that grease the slides.” The links below more fully explain:

When thinking about the last locally headquartered community bank, another old Joni Mitchell song lyric comes to mind “You don’t know what you’ve got ‘till it’s gone.”

http://bit.ly/1Psu6rBhttp://bit.ly/2GVHAM4http://bit.ly/2G0F4Ti

Authored by Richard A. Wilson – 40 years in NH banking – Alumnus of Cheshire National Bank, Ashuelot National Bank, Indian Head National Bank, and Savings Bank of Walpole

Town of Walpole Staff Meeting – 3/15/18

TOWN OF WALPOLE

STAFF MEETING

MARCH 15, 2018

Selectboard Present: Peggy Pschirrer (Chair); Steven Dalessio; Cheryl Mayberry

Staff Present: Sarah Downing (Manager of Administration); Police Chief Michael Paquette, and Lt. Justin Sanctuary (Police Department); Michael Rau (Highway Department); Justine Fafara (Library); Sandra Smith (Town Clerk/Tax Collector); Rebecca Whippie (Hooper Institute); Justin Cassarino (Recreation Department); Paul Colburn (Recycling Center)

CALL TO ORDER:  Mrs. Pschirrer called this Staff Meeting to order at 5:05 PM in the Walpole Town Hall.  She advised this meeting is being recorded.  Rich Kreissle is absent as he is attending a seminar.

Mrs. Pschirrer reminded everyone that Town Meeting is Saturday, March 17th at 1:00 PM and they would like the staff to attend.  We hope the proposed budget goes through quickly. However, we have to be prepared to answer any questions that might come up.  Mr. Kreissle has been working with department managers to reconcile sick time, personal days, etc.  The Selectboard discovered there have been misinterpretations of the personnel policy regarding vacation time.  They are now working with an employment lawyer to rewrite those sections so they will be clear.  They are not going back but will start with where we are at now.  They will start to mandate that people use their vacation time.  Employees need vacation time to maintain good health and take some time away from their jobs.  Employees have not been asking the Selectboard for permission to carry-over this time.  This will be re-written and new pages issued in the next month or two.  As of January 2019, all employees will have this as their anniversary date.  The Selectboard will work hard to balance all the figures.  The have also been discussing and are concerned about comp time which employees accrue.  They are going to work on a new policy for this as well.  There are several options on this.

Highway Department:  Mr. Rau announced it has been snowing and they have been fixing things.  They had a little break the first part of March when they went to Westmoreland to help during the mud season.  They will repay the favor.  They have been doing some fabricating with the new loader.  Mr. Dalessio hopes with the fabrication they are not doing anything when a certified welder is needed; not mission critical.  Mr. Rau said they are not doing any welding with structures.  Mr. Rau’s truck had some problems so needed to be towed to S.G. Reed but it is running fine since it came back.  Following is Mr. Rau’s report for the period of February 15 to March 14, 2018:

• Serviced trucks and equipment;

• Did Cold Patching;

• Fabricated wing cart for loader;

• New hydraulic lines on Kubota;

• Air cans and batteries on Truck-3;

• Fixed mud hole on Crehore Road;

• Fabricated new trap door for Truck-2;

• Truck-5 towed to Reed’s during snow storm;

• Posted roads on March 5, 2018;

• Changed plow blades on Truck-5, Truck-4 and Truck-7;

• Truck-3 to Reed’s to replace leaf springs and heater;

• MSHA Training (safety training);

Winter weather callouts were on:

February 18 February 22

February 25 February 26

March 2 March 5

March 7 March 8

March 9 March 23

March 24

The Salt and Sand budget is okay.  These will be refilled when they are at the lowest price.  When plowing, he tries to let the crew go home for some rest even if it is only for three hours. Mrs. Pschirrer thanked Mr. Rau for representing the Town at the Department of Transportation (DOT) meeting on the Walpole-Charlestown Route 12 Project.  Police Chief Paquette was unable to attend but talked to the project manager who advised they were going to go over a lot of river water sampling tests.  They are looking for a location in North Walpole where they can do some testing.  The North Walpole Commissioners are concerned about vibration and noise from the crusher during the project.

Library:  Mrs. Fafara advised the library had to close a few days due to the snow storms.  She provided the following March 2018 report.  In addition Mrs. Fafara is keeping track of the scheduled hours they are open.

February 2017 Stats: February 2018 Stats:

20 Days Open 22 Days Open

135 Hours open 131 Hours open

1136 Visits 1271 Visits

1815 Circ 2106 Circ

28 Programs 29 Programs

117 Kids 107 Kids

48 Teens 23 Teens

167 Adults 144 Adults

325 Website visitors 467 Website visitors

February 2017 Avg: 56 ppl & 91 circ/day February 2018 Avg: 58 ppl & 96 circ/day

12 People per program 9 people per program

NHUPAC-State Inter Library Loan System has been down since mid-December and has been declared dead.  The State Library was planning to get a new system in 2018 anyway, so the money is there.  How this impacts Walpole: turnaround time for books we request from other libraries is 2-3 weeks instead of the normal 1-2 weeks.  It also requires many more staff hours to process requests both from our patrons and for other libraries.  A currier system delivers and picks up books.  There are 3 book clubs that meet at the library but there are another 9 or 10 book clubs in Town that use the library.

The presentation on Social Security at the library was postponed due to the snow storm on Tuesday.  It’s rescheduled for April 17th at 6:30 pm.

They had a program for kids to learn how to knit.  A local knitter/story time mom ran the program for them and it was a huge hit.  They originally had a class limited to 8 kids.  With the instructor’s permission, they had 12 girls participate.  They each knit a hat over the course of the two-session class, one in February and one in March.

Fundraising for the expansion/renovation project is going well.  They are more than halfway to their goal.  They have ordered a banner that will hang out front of the library.  It’s a kind of thermometer to show their fundraising progress, but it will be a stack of books.  That should be hanging outside by the end of the month.  Mrs. Pschirrer asked how much money is needed.  Mrs. Fafara noted the project is anticipated to be about $448,000; they have almost $300,000.  It might not include all the furniture they will need.  Mr. Dalessio advised the moveable section should be in the design.

Town Clerk/Tax Collector:  Mrs. Sandy Smith provided the following report dated March 15, 2018:

They have been very busy preparing for the Election and Town Meeting.  The elections went well and now they have the Town Meeting to look forward to on Saturday at 1:00 PM.  She hopes to see everyone there.  There is a Primary Election in September and another election in November.  They are a lot of work.   Mrs. Smith had a “Bug” for six weeks, still doesn’t feel great but hasn’t come down with the flu!!

They have collected $56,614.83 for autos and this also includes dog licenses of $156.00 and a bad check fee of $25.00.  She called the customer and notified him that the check did not clear and he came in the same day with cash and made the check good.  He is in good standing with their office.  They will take checks from him in the future.  She wishes all their customers would respond in that manner.

Their credit card option is being used and the customers are pleased to be able to use their card and pay the 2.95 percent convenience fee.  If the fee is too large they decide to just write a check.  The customers also love that they only have to write one check for auto registrations.

As Tax Collector, she sent certified notices of “Intent to Deed” the Deed date will be May 9th at 11 A.M.  If not paid in full properties could be deeded to the Town.  She has a dozen; only three have a mortgage.  They hire a company to do a search of mortgagees and certified notices are sent to those companies also.  She expects all will be paid in full before that date.  The property owners pay all expenses for the notices and search.  The Town has been collecting 18 percent interest on these properties.

They have collected $104,350.67 since the last Staff Meeting.  The interest amount was $9,587.15.  The Town does quite well with the interest that we collect.

She is preparing to send “Intent to Lien” notices; these also have to be sent certified.  After she executes the lien, the interest jumps from 12 percent to 18 percent.  The lien is recorded at the Cheshire County Register of Deeds office in Keene and can affect credit ratings when people apply for a loan.  She has approximately 90 notices to prepare.

April will be very busy, as people will start to pay taxes when they receive these notices.

Hooper Institute:  Ms. Becky Whippie provided the following report:

Mrs. Eloise Clark is getting outside more than Ms. Whippie because she deals with older students.

Ms. Whippie talked about winter mammal behavior.  Local mammal track matching game.  Explain use of NH Fish and Game Track Field guide.  Passed out field guide copies to second and third graders.  Played track detectives with the older students.  Predator – Prey.  Introduced carnivore, herbivore, and omnivore.  Created a track story in first grade.  Researched local mammal facts in the third grade.  Next week they will talk about their individual mammals to share information.

Snow and Snowflakes: Explained how snowflakes are made.  She has a book that explains there are six points on every snowflake.  They made a paper snowflake.

Second Grade:  Farming – different types of farms.  Domestic animal needs, dairy cow breeds, and cattle terms.

Pre-K:  Senses on the farm.  Set up a farm themed play table for the classroom with dried beans, peas, rice and corn.  For a week or two they will play with farm toys.

Fourth Grade: Forest Design:  Discuss native trees and plants and the benefits to native fauna.  She asks the students to design a forest layout, identify tree species in their design.  Native plants benefit native animals.  They will add other native plants to forest design researching a NH plant list and they tried to insert other plants/flowers.  Count number of white pine trees in their forest, estimate value of trees if harvested.  Count Sugar Maple trees in forests and estimate possible maple syrup yield.  Carved a wooden sumac spike for tapping a sugar maple tree.

Sugaring Season:  Pre-K and kindergarten have been involved.  They talked about frozen nights and thawing days and Sugar Maple trees.  Where in the world do people make maple sugar, temperature affects it, tap a Sugar Maple tree and taste sap. Explain whole sugaring process. Taste sugar maple syrup.

On Wednesday, March 21st at 6:30 PM there will be a Gardening Workshop at the Library.

Mrs. Pschirrer had a question about climate change.  She has been reading about wood-burning and environmental impact with the smoke.  Should they encourage people to replant trees?  Ms. Whippie’s answer was they do not have to replant all those trees as they regenerate quickly.  She was not sure about all the tree species wise but provided some information on climate change.

Recreation Department:  Mr. Cassarino provided a report dated March 15, 2018.

Pool:

• Reached out to past employees to see who is returning;

• Charlestown employees have reached out because their pool might not be opening this season;

Tennis:

• Committee agreed to purchase a backboard for the park;

• Trying to find one through a different company.  The one that they wanted was $6,000.00.  He found some for cheaper.

Spring Clinics:

• Will be running a spring soccer and basketball clinic;

• Josh Beer and George Tsitsonis will run a soccer clinic while Mr. Cassarino will be running the basketball clinic.

• All participants will receive a ball and t-shirt.

Adult Leagues:

• Looking into starting adult leagues over the summer;

• People have been asking for this.

Selectboard Office:  Mrs. Downing provided the Staff Meeting Report, dated March 15, 2018.

Assessing Update:

• The cut-off date for abatement applications was March 1st.

• Over 40 properties have requested an abatement.

• Due to the higher volume of requests, Avitar’s response time will be longer than requests submitted earlier in the year.

• Veterans Tax Credit, Elderly and Blind Exemption application forms will be accepted up through April 15th.

Water and Sewer:

• As of 3/8/18, seventy-five percent of the total amount owed by users has been paid as of today.

• Thirty and 90-day notices were mailed to users with outstanding amounts on 3/6/18.

• Water and Sewer Intent to Lien Notices are being processed by the Tax Collector.

• The next quarterly billing will occur at the end of April this year.

Town Hall Facilities:

• Town Meeting set-up will be occurring later in the week.

• The Town Meeting starts at 1pm on 3/17/18.  There will be cake at the end of the meeting. The Walpole Grange will be selling hot dogs as well as other food items.

Human Resources:

• Town of Walpole Dental Plan: A new coordinator will be handling dental claims.

• The Town remains self-insured for this employee benefit which is less costly than other dental insurance options.

• Plan overview sheets for employees will be distributed to managers at this meeting.

Wellness

• A free webinar on “Budgeting and Personal Finances” is available to all Town of Walpole employees and to appointed/elected officials through the Life Resources Program (see flyer for more information).

Recycling Center:  Mr. Paul Colburn submitted the following reports:

Mr. Colburn reviewed the “Daily Weight Report and 3 Year to Date Comparison”; it is up a little bit over February last year  This has to do with the material that come into the Center.  Weather plays an important part of their operation.  February is usually a slow month.  His second report is the “3 Year Comparison to Recyclables”.  Financially they are slightly up over last year.  They borrowed the backhoe from the Highway Department as it was needed to process their C & D materials.  They had a big load of metal from a local business.  Other commercial entities plus the schools come into the Center on a regular basis.  They recently shipped out loads of cardboard and C & D.  Banana boxes were given out.  Today Kevin and he went to a Cheshire County meeting of other recycling centers.  They learn about what is going on in other towns.  The annual Department of Environmental Services (DES) report was sent in; Mrs. Downing has a copy.  The last Saturday in April will be the Walpole Clean-up Day.  Kevin and Greg will be going to the Fire Extinguisher class.  Ms. Mayberry noticed the returnables are up about 40% over last year.  Is there a reason?  Mr. Colburn said it is a number of reasons; there are more bottles, cans and glass that are returnables.  Some are $.15 each.

Police Department:  Police Chief Michael Paquette distributed copies of their monthly report for the period of February 15, 2018 to March 14, 2018.  Their total number of calls for service was 342.  Following is the break-down:  The numbers are up a little since last month.

• Public Safety Calls:

Emergency Calls – 27 Administrative – 70 Citizen Assists – 30

• Motor Vehicle Calls:

Accidents – 10 MV Stops – 123 Traffic Safety – 20

• Criminal Investigations:

Drugs/Alcohol – 26 Crimes Against a Person – 14 Crimes Against Property -22

People have been calling about the newest scams.  For example: People are getting calls and thinking that their relative needs money because they have been arrested; sometimes they send money or gift cards.  They have had domestic calls and made arrests.  Crashes are up because people are going too fast for the conditions. The officers are kept busy. The flagging for the Route 12 construction project is coming up.  They will be taking some training classes on bringing them up-to-date.  Taking a refresher class every four years is a requirement of the State of NH.  On the big Route 12 Project, they might not be doing flagging but are there to enforce safety.  Officer Wendy Rawlings completed the DARE Program.  Officer Mike Tollett also does the DARE Program.  They are looking at enhancing this program by going into other grades.  Lt. Justin Sanctuary is working with the school district on their safety planning.  Chief Paquette is prepared to talk about the Police Department Warrant Articles at Town Meeting.  Mrs. Pschirrer is grateful that the Police Department had a cruiser on Main Street recently and it was good to see that a vehicle had been stopped.

Adjournment:  Mrs. Pschirrer thanked everybody for their time and hard work.  She closed this Staff Meeting at 6:10 PM.

Respectfully submitted,

Regina Borden, Recording Secretary

Hooper Trustees Meeting Minutes – 3/15/18

TOWN OF WALPOLE

HOOPER TRUSTEES MEETING

MARCH 15, 2018

Hooper Trustees Present:   Peggy Pschirrer (Chair); Steven Dalessio; Cheryl Mayberry

CALL TO ORDER:  Mrs. Pschirrer called this Hooper Trustees meeting to order at 7:53 PM.

HOOPER TRUSTEES MINUTES:

HOOPER TRUSTEES MEETING – March 8, 2018:  Mr. Dalessio moved to accept the Minutes of the Hooper Trustees meeting of March 8, 2018, as submitted.  Seconded by Ms. Mayberry.  With Mr. Dalessio, Ms. Mayberry and Mr. Dalessio in favor, the Minutes were approved.

HOOPER PROPERTY:  Mrs. Pschirrer advised that Mr. Colin Sheehan missed the deadline to tell the Trustees what his intent is to purchase the property.  She will draft a letter to him that will state the Hooper Trustees consider his offer to purchase the property is now off the table and bring it back to the next meeting to be signed by the Hooper Trustees.

HOOPER MANSION:  Mrs. Pschirrer mentioned Ms. Sharon Boccelli’s auction is scheduled for Wednesday, March 28th in the evening.  This will include some furniture and other items from the Hooper Mansion.  Mrs. Pschirrer plans to attend.

ADJOURNMENT:

Ms. Mayberry moved to adjourn this Hooper Trustees meeting.  Seconded by Mr. Dalessio.  With Ms. Mayberry, Mr. Dalessio and Mrs. Pschirrer in favor, the meeting was adjourned at 7:58 PM.

Respectfully submitted,

Regina Borden, Recording Secretary

Slumber Party – 3/23/18

Annual Easter Egg Hunt – 3/31/18

Easter  Egg Hunt

                                        Sponsored by Cub Scout Pack 299

Date : March 31st , 2018

Place: Walpole Historical Society Lawn

Time 10:00 am till all eggs are collected

Ages : all ages up thru grade 5

This event starts promptly at 10:00am We do this even if there is snow on

the ground . Come dressed for the weather and find eggs. Make sure to bring a

basket.There are prizes in the eggs donated by the Walpole Creamery.

Pancake Breakfast – 3/25/18

Join us on March 25, 2018 from 7:30-11 for our Annual Palm Sunday Pancake Breakfast held at the Walpole Town Hall. One of the longest running Walpole traditions. We will be serving yummy pancakes with local maple syrup, sausage, juice and coffee. The cost for the breakfast is by donation. In addition we will have a 50/50 raffle and Easter baskets up for silent auction.

Walpole Unitarian Spiritual Discussion Series

The Walpole Unitarian Spiritual Discussion Series resumes this Spring beginning Tuesday, March 27.  All are welcome to attend.

Every other Tuesday, we will meet at Hastings House from 10:30 to Noon to discuss a program drawn from the online archives of “On Being” with Krista Tippett. This audio interview program “takes up the big questions of meaning with scientists and theologians, artists and teachers — some you may know and others you’ll love to meet.”

In preparation for our discussions, preceding every meeting Reverend Elaine will e-mail participants the link to the “On Being” program we’ll be discussing so folks can listen to it at home.  The “On Being” link includes an audio recording, a transcript of the interview and, at the bottom of the page, Recommended Reading and links to music used in the program.  Reverend Elaine may also include her own suggestions for study or links to resources.

After our discussions, we enjoy sharing time around the lunch table –everyone brings their own.

Texts of interviews may be made available for those with limited computer access.  Regular participants as well as those who may only be able to come once in a blue moon are welcome.  If you can’t come for the discussion but would like to come for lunch and a little food for thought, that’s OK too.

For more information, contact

Dorothy Read, dorothygread@gmail.com,

or Rev Elaine Bomford, ebomford@gmail.com