Home 2004 December

Month: December 2004

Positive Signs for Springfield

By
Features
MassMutual Chairman Robert O’Connell wasn’t sure he needed a large, formal press conference to announce the company’s $40 million expansion.

As he told the large group assembled for the event late last month, MassMutual’s support for, and confidence in, the city of Springfield isn’t exactly news. After all, the company has long been one of the city’s largest employers, and it has shown its support in ways ranging from the creation of Baystate West (now Tower Square) to the purchase of naming rights for the convention center taking shape on Main Street.

But O’Connell figured that a project of this magnitude deserved a ’celebratory moment,’ as he put it, and that residents and business owners might need to be reminded that, at a time when the headlines are dominated by the city’s fiscal woes, crime, and the many effects of poverty, there are some good things happening here.

The Springfield Chamber of Commerce and the Springfield Business Improvement District came to roughly the same conclusion.

The two agencies are splitting the bill for a radio advertising campaign that compares and contrasts Springfield to the rest of the Commonwealth with regard to several economic statistics. The data shows that, since 2001, the number of new businesses in Springfield is up 32%, compared to 9% for the entire state. Likewise, the number of Springfield residents employed increased 2.6% during that period, while the state as a whole, increased just 0.7%.

People can use statistics to say whatever they want, and these numbers certainly reflect how much the state is lagging behind the country in terms of overall recovery. But the numbers do show progress, a message that Russell Denver, president of the Affiliated Chambers of Commerce of Greater Springfield, did not want lost amid all the negative headlines about Springfield’s control board, $30 million deficits, tax delinquents, and squabbles with city unions over concessions.

The ad campaign, which will cost about $15,000, is unprecedented, says Denver, but it is also quite necessary to let people know that in Springfield, it’s not all gloom and doom.

Quite the contrary, actually.

As BusinessWest’s annual economic outlook (which starts on the next page) shows, there are many indications that the recovery, which has been less than spectacular to date, will become more pronounced in the year ahead.

A look at the jobs picture, for example, shows that the volume of job postings in the Greater Springfield area is up, while the number of people looking for work is down — and the numbers have been trending in this fashion for several months. The employment news is especially positive in the manufacturing sector, which has struggled in recent years amid growing foreign competition. Many local manufacturers have begun adding both part-time and full-time employees, and some are confident enough to move forward with major expansions and new construction.

In East Longmeadow, for example, German-owned papermaker Suddekor is building a 100,000-square-foot plant and Maybury Material Handling is moving ahead with a new, 40,000-square-foot facility.

The new construction is not limited to manufacturing. In Chicopee, the Memorial Drive corridor is growing by leaps and bounds, adding both a Home Depot and Wal-mart in just the past year, with Staples and Marshall’s on the way.

The construction activity is an especially positive sign, because while area hospitals and colleges have been building steadily over the past several years, the most high-profile initiatives have instead been publicly funded projects such as the Basketball Hall of Fame, the new federal courthouse on State Street, Union Station, and the new convention center. Private-sector building is always a strong indicator of confidence in a community’s future.

Not all the news in Springfield is positive, to be sure. The control board will reign over the city’s finances for years to come, and the work to take the community out of the red will be very challenging indeed. Meanwhile, the city’s problems with crime and poverty will not be corrected quickly or easily. These are not the best of times.

But O’Connell and Denver are right to say that the city’s fiscal problems and high murder rate should not overshadow the good things that are happening here and in surrounding communities.

The signs point to a more-robust economy in the year ahead, and MassMutual’s expansion is merely one expression of a growing feeling of confidence that will hopefully translate into many more positive business stories.

Business as Usual

By
Features
Chicopee Savings Bank celebrated its 150th birthday this year. While much has changed since the first transaction was completed in the original office — the homestead of its first president, Jerome Wells — the bank’s basic business strategy hasn’t.

Chicopee Savings Bank turned 150 this year. Exactly when, President William Wagner isn’t sure.

"There were no big celebrations," said Wagner, who summoned the bank’s annual report and its section on the institution’s history to pinpoint the exact date it opened (March 6). "Some banks make a big deal out of things like that. We don’t; it’s not our style.

"People know we’ve been around a long time," he continued. "We have other things to celebrate around here — for us, it’s been business as usual."

That means life as a small ($350 million in assets) community bank, slugging it out in a city and a region where there has never been any shortage of competition and it appears there is more of it every day.

Take credit unions, for example.

Chicopee is a credit union-rich community, said Wagner, noting that there are perhaps $700 million in assets in credit unions in the city, as opposed to maybe $15 million in Westfield. "And those credit unions aren’t paying any taxes," said Wagner, noting a special exemption that he and other banking officers have long opposed. "They should be, but they aren’t."

The list of competitors also includes a number of other community banks, mortgage companies, predatory lending businesses, and regional powers such as Fleet/Bank of America. Chicopee Savings has thrived despite all that competition because it hasn’t deviated from its basic mission or style of doing business, said Wagner.

This sentiment is reflected in the fact that while many area community banks (Westfield, Peoples, and Hampden, among them), have dropped the word ’savings’ from their title. Chicopee hasn’t, and won’t any time soon.

"We’re going to keep our name the way it is — we like what that word ’savings’ means to our customers," said Wagner. "We believe that it doesn’t just connote savings accounts, but also the fact that they can save money by doing business with us.

"I like the word savings," he continued. "Especially since we might soon be the only bank around that uses it."

To grow, CSB has been focused on providing its core services to a wider customer base. The institution has gradually expanded its scope beyond Chicopee, and now does roughly one-third of its business with residents and businesses on the west side of the Connecticut River.

To better serve those customers — and attract more of them — the bank will open its sixth branch on Morgan Road in West Springfield. A grand opening is slated for February, said Wagner, who told BusinessWest that additional sites are being scouted and that more territorial expansion is likely in the next few years.

He noted, as other area bank presidents have, that many Pioneer Valley communities, including East Longmeadow, Ludlow, Amherst, and, yes, West Springfield, have become heavily populated with competing branches. He is focused not on the quantity of banks, however, but the quality of locations.

CSB has recorded steady, if unspectacular growth the past several years — net income actually fell from $2.4 million in 2002 to $1.5 million in 2003 — but some of this has been by design, said Wagner.

"We could have grown the bank quicker, but instead we took some steps to ensure continued growth down the road," Wagner said. "Our philosophy is not to grow for the sake of growth, but to manage growth so that we properly serve our customers."

He told BusinessWest that CSB has made a number of investments in personnel and support systems as part of an infrastructure-building process to better serve customers. With that infrastructure, which includes the new West Springfield branch, in place, the bank is well-positioned for the future.

Safe Bets

As he talked with BusinessWest, Wagner noted a newspaper article and accompanying photograph concerning the new, spacious Boston Road headquarters of First Pioneer Credit Union, formerly the Monsanto Credit Union (one of many in or near Chicopee), and its new branch within the Wal-Mart that recently opened on Memorial Drive.

"They look like a bank to me," he said. "And if it looks like a duck and quacks like a duck, then it’s a duck — or, in this case, a bank."

It’s easy to get Wagner started on the subject of credit unions, their affinity for Chicopee and surrounding communities, and what he considers a unlevel playing field when it comes to providing financial services. "I don’t blame the credit unions; I blame the elected officials who allow them to have an unfair advantage."

But he also believes the proliferation of those institutions has in some ways helped CSB.

"I think they’ve made us a better bank," he explained. "They’ve prompted us to focus on customer service, and to move into some areas sooner than other banks have."

At the top of this list is commercial lending, said Wagner, who has a background in that realm and made it one of his priorities when he came to CSB in 1984. When he arrived, less than 5% of the bank’s lending activity was on the commercial side of the ledger; now, it’s more than half the total volume.

Getting to this point has been a combination of personnel — both from a quality and quantity standpoint — and also calculated risk-taking and seizing upon opportunities that have come about through ongoing mergers and acquisitions.

Russell Omer, CSB’s senior vice president and senior lender, told BusinessWest that in the seven years he has been at the bank, the commercial lending staff has grown from one lender to five. And during that period, volume has increased at a steady 8% to 10% per year.

Omer described the past three years as one of transition for the commercial lending department, or "infrastructure-building" as he called it. This process includes the hiring of new lenders, but also the development of back-room operations that support the lenders and their clients.

With that infrastructure in place, the bank is positioned to achieve even better numbers in the years ahead, said Omer, who is projecting 15% growth for ’05, based in part on an improving economy, but also the bank’s strong focus on that area.

Omer said that Chicopee Savings, like all community banks in the region, has seen its commercial lending portfolio helped by the recent spate of mergers and acquisitions. The unsettledness in the market has prompted many small business owners — and their lawyers and CPAs — to pursue relationships, rather than banks.

"Most of the larger institutions take a cookie-cutter approach to commercial lending … if you don’t fit the mold, they don’t want or don’t need your business," he said. "With community banks, especially this one, it’s different.

"Here, you don’t need five meetings to discuss what you want to do with a new piece of equipment," he continued. "We can probably do it in one."

A strong focus on relationships has enabled the bank to record steady growth in other areas, including residential lending, said Wagner. Putting aside the drop in net earnings in 2003 — which Wagner attributed to investments in new facilities, personnel, and technology, as well as a decision to sell, rather than inventory, $50 million in residential loans — the bank achieved most of its other goals.

Assets grew by $24.3 million, or 7.5%, he said, while deposits grew by 6%, and total loans grew by 6%.

To continue and enhance this pace of growth, the bank has moved beyond its Chicopee roots. In 2002, it opened a branch on Center Street in Ludlow, joining a number of banks establishing a physical presence in that community.

The next step will be the West Springfield branch, which Wagner believes will help CSB add to the $125 million in loan volume it has on the west side of the Connecticut River. West Springfield already hosts a number of competitors — Westbank and United Bank are headquartered there and most area institutions have branches in the community — but Wagner, as usual, isn’t concerned about the volume of competition.

"If you made judgments based on whether you thought a community was over-banked or not, you’d never open another branch," he explained. "Instead, I look at locations; if I can get a good spot, I’ll go there — I don’t care how many other banks are there.

"Every town you look at — Longmea-dow, East Longmeadow, Ludlow … they all have a lot of branches," he continued. "You can’t go in with the attitude there are too many. If you did, you couldn’t expand. Instead, you have to find the right location and then make the most of it."

As for future expansion, Wagner couldn’t say where it will take place — or even on what side of the river — but only that it will.

"We have at least one more expansion in mind that’s probably three years down the road," he said. "Where will that be? We’re still working on it."

The Bottom Line

When asked to pinpoint the reasons for his bank’s success, Wagner said much of it has to do with the relationship between the institution and the people it serves — especially those in Chicopee.

"When people come here, they act like they own the place," he explained. "That’s good, because people aren’t going to leave a bank they own."

That special relationship is one of the things the bank will celebrate; even as it makes little note of its 150th birthday.

George O’Brien can be reached at[email protected]

Bankruptcies

By
Departments

Agueda, Natividad
Agueda, O’Nell
137 Florence St.
Springfield, MA 01105
Chapter: 7
Filing Date: 11/04/04

Anderson, Sharon A.
15 Lull St.
East Longmeadow, MA 01028
Chapter: 7
Filing Date: 11/04/04

Ardison, Robert J.
549 Russell Road
Apartment 5-B
Westfield, MA 01085
Chapter: 7
Filing Date: 11/15/04

Atkins, Ida Mae
81-83 Euclid Ave.
Springfield, MA 01108
Chapter: 13
Filing Date: 11/03/04

Avelino, Elizabeth
96 Grenada Ter.
Springfield, MA 01108
Chapter: 7
Filing Date: 11/10/04

Baer, Albert Thomas
19 Berkeley St.
East Hampton, MA 01027
Chapter: 7
Filing Date: 11/12/04

Baer, Edward Charles
294 Southampton Road
Westhampton, MA 01027
Chapter: 7
Filing Date: 11/04/04

Bakes, Debra C.
505 Newton St.
South Hadley, MA 01075
Chapter: 7
Filing Date: 10/28/04

Beaudry, Jason M.
6 Beacon Ave.
Holyoke, MA 01040
Chapter: 7
Filing Date: 11/10/04

Beaulieu, Jacques
27 Mark Dr.
Agawam, MA 01001
Chapter: 7
Filing Date: 10/25/04

Bednaz, Antonia
118 Crescent Dr.
Chicopee, MA 01013
Chapter: 7
Filing Date: 11/10/04

Belanger, Giles
8 Washington Ave.
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/29/04

Belanger, Miriam
8 Washington Ave.
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/29/04

Bennett, Amy L.
554 County Road
Holyoke, MA 01040
Chapter: 7
Filing Date: 11/05/04

Bessone, Martha
13 Biela St.
Springfield, MA 01104
Chapter: 7
Filing Date: 11/08/04

Blackwood, Anne M.
556 Springfield St.
2nd Floor
Chicopee, MA 01013
Chapter: 7
Filing Date: 11/08/04

Boucher, Lynnette M.
411 Parker St.
Springfield, MA 01129
Chapter: 7
Filing Date: 11/08/04

Bowens, Helene Anne
18 Vassar St.
Springfield, MA 01109
Chapter: 13
Filing Date: 11/03/04

Brathwaite, Richard D.
178 Dunmoreland St.
Springfield, MA 01109
Chapter: 7
Filing Date: 10/22/04

Burns, Sarah
14 Converse St.
Springfield, MA 01108
Chapter: 13
Filing Date: 11/04/04

Cameron, Moises M.
35 Copley Ter.
Springfield, MA 01107
Chapter: 7
Filing Date: 11/10/04

Carrasquillo, Luisa I.
70 Harrison Ave., Apt.
Springfield, MA 01103
Chapter: 7
Filing Date: 11/10/04

Challet, Mark Edward
315 Northwest Road
Westhampton, MA 01027
Chapter: 7
Filing Date: 10/25/04

Chapman, Ann M.
62 Redlands St.
Springfield, MA 01104
Chapter: 7
Filing Date: 11/08/04

Chlastawa, Judith M.
398 West St.
Ludlow, MA 01056
Chapter: 13
Filing Date: 11/12/04

Clegg, Michael T.
70 Meadow St.
Westfield, MA 01085
Chapter: 7
Filing Date: 11/02/04

Colon, Fernando A.
21 Bowers St., #707
Holyoke, MA 01040
Chapter: 7
Filing Date: 11/15/04

Corrigan, Cathleen G.
10 Arthur St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 11/05/04

Cortesi, Mildred M.
19 Linda Dr.
Westfield, MA 01085
Chapter: 7
Filing Date: 11/09/04

Cotto, Gloria M.
19 Quincy St.
Springfield, MA 01109
Chapter: 7
Filing Date: 11/08/04

Cruz, Carlos
12 Hemlock Court
Springfield, MA 01105
Chapter: 7
Filing Date: 11/10/04

Cruz, Marta
44 Rutledge St.
Springfield, MA 01105
Chapter: 7
Filing Date: 11/15/04

Darada, Zachariah D.
350 Acrebrook Dr.
Florence, MA 01062
Chapter: 7
Filing Date: 11/12/04

Delgado, Evelyn
40 Kenwood Ter., 2nd F
Springfield, MA 01108
Chapter: 7
Filing Date: 11/15/04

Dimucci, Laurie A.
144 Massachusetts Ave.
Springfield, MA 01109
Chapter: 13
Filing Date: 11/02/04

Donohue, John T.
274 Windsor St.
Ludlow, MA 01056
Chapter: 7
Filing Date: 10/28/04

Dougherty, John K.
9 Robin Road
Southwick, MA 01077
Chapter: 7
Filing Date: 11/08/04

Dupre, Tammie A.
3 Naomi St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 10/22/04

Durette-Luckham, Karola E.
68 Warregan St.
Chicopee, MA 01013
Chapter: 7
Filing Date: 10/20/04

Durkee, Louise M.
17 Saab Court
Apartment 1004
Springfield, MA 01104
Chapter: 7
Filing Date: 10/29/04

Ely, James
1020 Park Hill Road
Florence, MA 01062
Chapter: 13
Filing Date: 11/02/04

Escalera, Emiliana
10 West Court St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 11/08/04

Factor, Scott N.
342 Southwick Road
Westfield, MA 01085
Chapter: 7
Filing Date: 10/28/04

Farnham, Donna
2773 Boston Road, Apt. #3
Wilbraham, MA 01095
Chapter: 7
Filing Date: 11/08/04

Ferrer, Sonia
11 Northeast St #3C
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/20/04

Fitzpatrick, Mary F.
25 Hillcrest Place
Amherst, MA 01002
Chapter: 7
Filing Date: 11/12/04

Forest, James J.
60 Hadley Village Dr.
South Hadley, MA 01075
Chapter: 13
Filing Date: 11/01/04

Fournier, Robert M.
148 Boulay Circle
Chicopee, MA 01020
Chapter: 7
Filing Date: 11/12/04

Freeman, Susan
282 Montcalm St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 11/04/04

Fuller, Jennifer A.
15 Cochran St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 11/05/04

Galloni, Dominick
48 Phillips Ave.
Springfield, MA 01119
Chapter: 7
Filing Date: 11/08/04

Ganley, Laura
3 Sergeant Ave.
Chicopee, MA 01020
Chapter: 7
Filing Date: 11/01/04

Gauthier, Dorothy J.
51 Bridge St.
South Hadley, MA 01075
Chapter: 7
Filing Date: 11/10/04

Gauthier, Leslie C.
Gauthier, Deborah A.
184 Primrose Dr.
Longmeadow, MA 01106
Chapter: 13
Filing Date: 10/19/04

Gauvin, Dennis P.
71 Barber St.
Springfield, MA 01109
Chapter: 7
Filing Date: 10/25/04

Gearing, Edward Melvin
18 Malborough St.
Springfield, MA 01109
Chapter: 7
Filing Date: 10/18/04

Gibbs, Richard R.
Gibbs, Susan L.
8 Cornell St.
South Hadley, MA 01075
Chapter: 7
Filing Date: 11/05/04

Glynn, Melanie A.
32 Everett St.
Springfield, MA 01104
Chapter: 7
Filing Date: 11/03/04

Gonzalez, Digna L.
739 Liberty St.
2nd Floor
Springfield, MA 01107
Chapter: 7
Filing Date: 11/08/04

Gonzalez, Oscar
175 Maple St., 3R
Springfield, MA 01105
Chapter: 7
Filing Date: 11/08/04

Gonzalez, Ramonita
45 Redlands St.
Springfield, MA 01104
Chapter: 7
Filing Date: 10/29/04

Gorman, Joeann
29 Cedar St.
Springfield, MA 01105
Chapter: 13
Filing Date: 10/18/04

Gosselin, Judith A.
93 Slater Ave.
Springfield, MA 01119
Chapter: 13
Filing Date: 11/03/04

Gourley, Jean A.
80 Thyme Lane
Springfield, MA 01129
Chapter: 7
Filing Date: 11/02/04

Gourley, Warren
80 Thyme Lane
Springfield, MA 01129
Chapter: 7
Filing Date: 11/02/04

Graychase, Naomi R.
PO Box 787
Northampton, MA 01061
Chapter: 7
Filing Date: 10/29/04

Haas, Arnold
Haas, Elaine J.
45A Colonial Circle
Chicopee, MA 01020
Chapter: 7
Filing Date: 10/25/04

Hebda, Gary S.
1 Sackville Ave.
Westfield, MA 01085
Chapter: 7
Filing Date: 10/19/04

Herbert, Andrew J.
Herbert, Ericca F.
650 Cooley St.
Springfield, MA 01128
Chapter: 7
Filing Date: 11/02/04

Hess, Kristen A.
27 Glenham St.
Springfield, MA 01104
Chapter: 7
Filing Date: 10/28/04

Heywood, Ronald G.
Heywood, Denise D.
85 Bates Road
Westfield, MA 01085
Chapter: 7
Filing Date: 11/09/04

Hill, Cynthia M.
15 Pembroke Place
Chicopee, MA 01020
Chapter: 13
Filing Date: 11/03/04

Johnson, Brenda
176 Oak Grove Ave.
Springfield, MA 01109
Chapter: 7
Filing Date: 10/19/04

Kamansky, Dina J.
1020 Park Hill Road
Florence, MA 01062
Chapter: 13
Filing Date: 11/02/04

Kelly, Cara F.
111 Osborne Ter.
Springfield, MA 01104
Chapter: 7
Filing Date: 10/29/04

Kenney, Todd S.
408 Sumner Ave.
Springfield, MA 01108
Chapter: 7
Filing Date: 10/26/04

Keough, Robert T.
18 Johnson St.
West Springfield, MA 01089
Chapter: 7
Filing Date: 11/08/04

Korsah, Florence
21 Margerie St.
Springfield, MA 01109
Chapter: 7
Filing Date: 10/26/04

Kozak, Philip W.
1202 North St. Ext
Feeding Hills, MA 01030
Chapter: 13
Filing Date: 11/10/04

Kuhn, Joseph J.
181 Garland St.
Springfield, MA 01118
Chapter: 7
Filing Date: 11/12/04

Kuhn, Kimberly
19 Catherine St.
Chicopee, MA 01013
Chapter: 7
Filing Date: 11/12/04

Lacharite, Merridith
24 Wood Ave.
South Hadley, MA 01075
Chapter: 7
Filing Date: 11/10/04

Ladner, Diane M.
10 Merida St
Springfield, MA 01104
Chapter: 7
Filing Date: 11/04/04

Lawrence, Marcus A.
Lawrence, Joann M.
100 White Birch Dr.
Springfield, MA 01119
Chapter: 7
Filing Date: 10/29/04

Linton, Mary O.
97 Suffolk St.
Springfield, MA 01109
Chapter: 13
Filing Date: 10/20/04

Lombardi, Jennifer J.
56 Hanover St., Apt. #3
West Springfield, MA 01089
Chapter: 7
Filing Date: 10/27/04

Long, Tony M.
190 Regency Park Dr.
Agawam, MA 01001
Chapter: 7
Filing Date: 10/19/04

Lopes, Patrice A.
9 Spring St., Apt. C
South Hadley, MA 01075
Chapter: 7
Filing Date: 10/20/04

Louise, Anita
P.O. Box 397
Chicopee, MA 01014
Chapter: 7
Filing Date: 10/29/04

Lungulescu, Dumitru
Lungulescu, Ioana
41 Ashmun St.
Springfield, MA 01105
Chapter: 7
Filing Date: 11/15/04

Lussier, Robert J.
134 Westfield Road
Holyoke, MA 01040
Chapter: 7
Filing Date: 11/05/04

MacKenzie, Scott N.
217 Meadow St.
Agawam, MA 01001
Chapter: 7
Filing Date: 11/08/04

Maratea, Domenico N.
161 Rosewell St.
Springfield, MA 01109
Chapter: 7
Filing Date: 11/01/04

Masten, Vincent F.
7 Farnum Dr.
Holyoke, MA 01040
Chapter: 7
Filing Date: 11/05/04

McGillicuddy, John M.
22 Green Willow Dr.
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/28/04

McLaughlin, Scott P.
94 Beverly St.
Chicopee, MA 01013
Chapter: 7
Filing Date: 11/12/04

McLeod, Sheila A.
114 Kelley Road
Chicopee, MA 01022
Chapter: 7
Filing Date: 11/04/04

McMahon, Charles A.
28 Federal St., Apt. G6
Belchertown, MA 01007
Chapter: 7
Filing Date: 11/04/04

Miranda, Noel
64 Federal St., Apt. 2
Springfield, MA 01105
Chapter: 7
Filing Date: 11/05/04

Moctezuma, Victor M.
111 Pasadena St.
Springfield, MA 01108
Chapter: 7
Filing Date: 11/10/04

Morales, Jose M.
1267 Carew St.
Springfield, MA 01104
Chapter: 7
Filing Date: 11/10/04

Morales, Jose N.
27 Hanover St.
West Springfield, MA 01089
Chapter: 7
Filing Date: 11/08/04

Moylan, Jennifer H.
15 Pineywood Road
Southwick, MA 01077
Chapter: 7
Filing Date: 10/29/04

Muckinhaupt, Melissa K
28 Rowley St.
Agawam, MA 01001
Chapter: 7
Filing Date: 10/25/04

Nashville, Judith E.
80 Balboa Dr.
Springfield, MA 01119
Chapter: 7
Filing Date: 10/25/04

Nashville, Todd R.
80 Balboa Dr.
Springfield, MA 01119
Chapter: 7
Filing Date: 10/25/04

Nazario, Frances
53 Everett St.
Springfield, MA 01104
Chapter: 7
Filing Date: 10/18/04

Newport, Christine Jamie
199 Northampton Road
Amherst, MA 01002
Chapter: 7
Filing Date: 11/15/04

O’Rourke, William Henry
41 Calvin St.
Chicopee, MA 01013
Chapter: 7
Filing Date: 10/22/04

Ortega, Jose
127 Federal St.
Springfield, MA 01105
Chapter: 7
Filing Date: 10/28/04

Owens, Darren G.
1408 Worcester St
Springfield, MA 01151
Chapter: 7
Filing Date: 10/23/04

Parczyh, Walter
Parczyh, Laurice
108 Everett St., Apt. 107
Easthampton, MA 01027
Chapter: 13
Filing Date: 11/01/04

Perez, Ramonita
540 Page Blvd
Springfield, MA 01104
Chapter: 7
Filing Date: 10/25/04

Perlak, Joseph E.
Perlak, Helen L.
44 Daviston St.
Springfield, MA 01108
Chapter: 7
Filing Date: 11/08/04

Pietrucci, Lawrence Victor
Pietrucci, Michelle Shirley
49 Acushnet Ave.
Springfield, MA 01105
Chapter: 7
Filing Date: 11/03/04

Pioneer Dairy, Inc.
214 Feeding Hills Road
Southwick, MA 01077
Chapter: 11
Filing Date: 10/29/04

Pittman, Sharon Louise
109 Honey Pot Road
Hadley, MA 01035
Chapter: 7
Filing Date: 11/01/04

Poirier, Gail H.
38 Biella St.
Springfield, MA 01104
Chapter: 7
Filing Date: 10/27/04

Poland, Ruth J.
55 Fairview Ave.
West Springfield, MA 01089
Chapter: 7
Filing Date: 10/26/04

Pouliot, Roger D.
70 Plantation Dr.
Agawam, MA 01001
Chapter: 7
Filing Date: 11/01/04

Proeum, Sarith
68 W.Pomeroy Lane
Amherst, MA 01002
Chapter: 7
Filing Date: 11/12/04

Prout, Kenneth W.
60 Greenwood Ter.
Chicopee, MA 01022
Chapter: 7
Filing Date: 10/19/04

Quinn, Michael R.
Quinn, Kerry-Ann
18 Grant St.
South Hadley, MA 01075
Chapter: 7
Filing Date: 11/03/04

Rackliffe, Frederick J.
130 Nonotuck St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/28/04

Rodriguez, Shelby J.
11 Wilfred St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 11/08/04

Roldan, David B.
529 Chestnut St.
Springfield, MA 01103
Chapter: 7
Filing Date: 10/22/04

Romaniak, Robert G.
908R Morgan Road
West Springfield, MA 01089
Chapter: 7
Filing Date: 11/08/04

Rosa, Ramiro R.
98 Division St., Apt. 601
Springfield, MA 01107
Chapter: 7
Filing Date: 11/10/04

Sanchez, Lourdes E.
59 Midway St.
Indian Orchard, MA 01151
Chapter: 7
Filing Date: 11/10/04

Sanchez, Nephtali
56 Waverly St.
Springfield, MA 01107
Chapter: 7
Filing Date: 11/08/04

Santiago, Luis A.
185 Brown Ave.
Holyoke, MA 01040
Chapter: 7
Filing Date: 11/08/04

Santiago, Nadia M.
38 Bay St.
Springfield, MA 01109
Chapter: 7
Filing Date: 11/08/04

Santiago, Rigoberto F.
705 Union St., Apt. 2R
West Springfield, MA 01089
Chapter: 7
Filing Date: 11/10/04

Schindler, Brian J.
873 Springfield St.
Feeding Hills, MA 01030
Chapter: 7
Filing Date: 10/25/04

Schneider, Margaret M.
269 Stony Hill Road, G-2,
Wilbraham, MA 01095
Chapter: 7
Filing Date: 10/20/04

Seng, Lay
44 Leland Dr., #2
Springfield, MA 01109
Chapter: 7
Filing Date: 10/20/04

Shean, Gary R.
60 Yale St.
Feeding Hills, MA 01030
Chapter: 7
Filing Date: 11/08/04

Shomes, Michael
15 Carol Ann Dr.
South Hadley, MA 01075
Chapter: 13
Filing Date: 10/25/04

Slaughter, Patricia A.
P.O. Box 4313
Springfield, MA 01101
Chapter: 13
Filing Date: 10/28/04

Starke, Judith A.
66 Front St.
Chicopee, MA 01013
Chapter: 13
Filing Date: 11/02/04

Stone, Kimberly M.
341 Apremont Highway
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/25/04

Swearingen, David W.
54 Loomis Ave.
Westfield, MA 01085
Chapter: 13
Filing Date: 11/15/04

Swearingen, Katherine M.
54 Loomis Ave.
Westfield, MA 01085
Chapter: 13
Filing Date: 11/15/04

Szczygiel, Brenda Marie
34 Whitin Ave.
Chicopee, MA 01013
Chapter: 7
Filing Date: 11/10/04

Tauscher, Robert
220 Ontario Ave.
Holyoke, MA 01040
Chapter: 13
Filing Date: 11/13/04

Thepbouasone, Ou
om
44 Leland Dr., #2
Springfield, MA 01109
Chapter: 7
Filing Date: 11/02/04

Torres, Gisela
7C Gerard Way
Holyoke, MA 01040
Chapter: 7
Filing Date: 11/12/04

Tourtellotte, Jennifer M.
84 Commonwealth Ave.
Springfield, MA 01108
Chapter: 7
Filing Date: 11/15/04

Towne, Alan R.
Towne, Linda L.
16 Riverview St.
Springfield, MA 01108
Chapter: 7
Filing Date: 10/29/04

Ukandu, Bright C.
211 Poplar St.
Chicopee, MA 01013
Chapter: 13
Filing Date: 11/11/04

Vargas, Barbara J.
76 Wellington Ave.
Chicopee, MA 01020
Chapter: 7
Filing Date: 11/04/04

Venditto, Joseph Anthony
77 East Alvord
Springfield, MA 01108
Chapter: 7
Filing Date: 11/15/04

Vincent, Ronald F.
841 Chicopee St.
Chicopee, MA 01013
Chapter: 13
Filing Date: 11/15/04

Westbrook, Minniett
1057 Main St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/29/04

Whitten, Holly E.
88 Skeele St.
Chicopee, MA 01013
Chapter: 7
Filing Date: 11/15/04

Wilder, Stella M.
58B Pheasant Hill Dr.
Feeding Hills, MA 01030
Chapter: 7
Filing Date: 11/08/04

Wojciak, Vanessa
30 Pennsylvania Ave.
Chicopee, MA 01013
Chapter: 7
Filing Date: 10/28/04

Woytowicz, Deborah L.
143 Jean Circle
Chicopee, MA 01020
Chapter: 13
Filing Date: 10/21/04

Yarrows, Patrick H.
Yarrows, Catherine J.
60 Beaufort Circle
Springfield, MA 01104
Chapter: 7
Filing Date: 11/01/04

Young, Gary W.
51 Park Dr.
Westfield, MA 01085
Chapter: 7
Filing Date: 11/04/04

Zajaczkowski, Caroline
383 Commonwealth Ave.
Springfield, MA 01108
Chapter: 7
Filing Date: 11/08/04

Ziba, Stephen J.
18 Juniper Road
Southwick, MA 01077
Chapter: 7
Filing Date: 11/05/04

Building Permits

By
Departments

The following building permits were issued during the month of November 2004.

AGAWAM

Olympic Manufacturing Group
153 Bowles Road
$4,800,000 — Construct manufacturing warehouse facility

Tennessee Gas Pipeline Co.
1615 Suffield St.
$117,384 — Miscellaneous alterations, heating, electric, doors

AMHERST

Amherst College Trustees
151 College St.
$130,000 — Install wireless telecommunications facility on smokestack of Amherst College

Amherst Housing Authority
32 Chestnut Court
$13,000 — Re-roof

Amherst Pelham Reg. School District
21 Mattoon St.
$10,400 — Install new kitchen hood vent system

Amherst-Pelham Regional School District
21 Mattoon St.
$992,000 — Remove existing roof, add new roofing

Amherst Shopping Center Assoc.
181 University Dr.
$812,500 — 13,500-square-foot addition to Big Y shopping center. Shell construction only

The Brook at Amherst Green
170 East Hadley Road
$19,620 — Remove and replace existing roof

University of Mass Alumni
778 North Pleasant St.
$8,000 — New kitchen

Verizon
20 Fearing St.
$800,000 — Upgrade interior electrical and mechanical systems

CHICOPEE

Mountainview Landscape & Lawncare Inc.
67 Old James St.
$15,000 — Temporary office building

New Beginning Church of God
17 Quarry Ave.
$146,000 — Build church

EAST LONGMEADOW

Chestnut Hill Nursing Home
32 Chestnut St.
$149,000 — Re-roof

Eb Games
436A North Main St.
$14,000 — Interior renovations

HOLYOKE

Bobala Tech Center
55-59 Bobala Dr.
$25,950 — Build out building for American Cancer Society

MAP Development LLC
198-210 High St.
$5,000 — Remove two partitions, repair ceiling

Open Square Inc.
383 Dwight St.
$25,000 — Interior partitions

Pyramid Co. of Holyoke
50 Holyoke St.
$113,100 — Remodel Verizon store

Pyramid Co. of Holyoke
50 Holyoke St.
$61,000 — Remodel Desert Moon

Sunoco Products Co.
200 South Water St.
$6,975 — Install new entrance

SPRINGFIELD

Cathedral High School
260 Surrey Road
$54,125 — Refinish girls locker room

Eastfield Mall
1655 Boston Road
$95,000 — Interior renovations to several stores

Lestal Inc.
44 Rost St.
$6,000 — Interior repair

Marci Webber
18-20 Springfield St.
$200,000 — Convert to bed and breakfast

Mt. Zion Baptist Church
368 Bay St.
$8,000 — Repair handicap ramp

Northgate Center
1985 Main St.
$47,500 — Renovations

Northgate Center
1081 Main St.
$81,000 — Renovations

Pride
1211 East St.
$353,000 — New gas station

Shirley’s Handy Variety
469-475 Boston Road
$25,000 — Interior repairs

Third Baptist Church
148 Walnut St.
$32,800 — New roof

NORTHAMPTON

APC Realty Trust
32 Main St.
$28,519 — Replace roof

B’Nai Isreal Congregational
253 Prospect St.
$2,500 — Construct two walls

Carl and Edith Gutowski
206 King St.
$49,000 — Enclose existing porch for retail space, renovate second-floor apartment

City of Northampton
137 High St.
$10,500 — Strip and shingle roof

Cooley Dickinson Hospital Inc.
30 Locust St.
$8,500 — Remove bathroom and construct walls in admin. building

Dimension Realty LLC
59 Service Center
$39,000 — Install new roof

Kollmorgen Corporation
347 King St.
$120,000 — Interior renovations

Northampton Co-operative Bank
8 Main St.
$1,693,674 — Construct new bank and retail space (foundation only)

Doing Business as Certificates

By
Departments

The following Business Certificates and Trade Names were issued or renewed during the month of November 2004.

AGAWAM

Adversitees Plus/Logo’s In Motion
71 Duclos Dr.
Paul MacDonald Jr.

Children’s Therapy
Center of the
PioneerValley Inc.
1285 Springfield St.
Laurie Cecchi

Christina’s Country Store
Suffield Street
Keith Cgerwiac

DMS Construction
242 Maple St.
Dean Sharpy

Jubco Landscaping
189 South Westfield St.
Diane Juzba

Julie’s Fashion
1325 Springfield St.
Thuy Pham

Not Just Brown Bags
14 Wrenwood Lane
John W. Brown, Jr.

Power Hose
85 Peros Dr.
Christopher Bellerosa

Tips and Tangles
525G Springfield St.
Jill Fraska

Vinnie’s Auto
11 Hall St.
Joseph Beltrandi

AMHERST

Amherst Market Inc.
Amherst Market
Naresh Patel

B & B Appliance
86 Gray St.
Robert DiCarlo

Bumdiddies
52 Stanley St.
Cynthia Sullivan

Ingenious Interiors
31 Valley View Circle
Susan Robertson

Little Black Dress
98 North Pleasant St.
Tara Hughes

Revealbusiness.com
1876 Brittany Manor Dr.
Elliott Moya

Tora Nova Counseling Center
10 Gatehouse Road
Carol Soules

Your Promotional Consultant
22 Puffer Circle
Youssef Fadel

CHICOPEE

ABM Clothing
80 Buskin St.
Beverly Thorington

Ed’s Fashion-Plus
685 James St.
Edward Hernandez

Equity Painting
63 Olea St.
Gary Dinas

Harmony Rental Property
90 Sheridan St.
Dorenda Taft

Healing Hands
72 Nash St.
Andrea McJeffrey

Impressive Home Improvement
19 Beaumont St.
Gerald Raymond, Jr.

Innovative Microplate
1998 Westover Road
Stephen Yound, Jay Teich

Matured Nails by Jolene
115 Saratoga Ave.
Jolene Martunas

T & L Web Makers
137 Hendrick St.
Thomas Hayes

EAST LONGMEADOW

Bank of America
431 North Main St.
Fleet National Bank

Electronics Boutique of America
406 North Main St.
Jeffrey Korey

Learning Styles
34 Shaker Road
Susan Fino

HADLEY

Isman Consultants
225 Middle St.
Georgia Isman

Ronkese Financial Services
100 Ventura Way
Christopher Ronkese

HOLYOKE

Akinson Enterprises
486 Hillside Ave.
Elaine Akinson

El Supreme Supermarket
399 Main St.
Felix Trinidad

Emanuel Christian Book & Retail Store
353 High St.
Santiago Torres

4 D’s Corp.
69 Davis St.
Richard Dewey

Izzy’s Repair
65 Commercial St.
Juian Rios-Colon

Old School Customs
6 Adams St.
Alberto Rodriguez Jr.

Real Dry Waterproofing
137 Dupuis Road
Stephan Wail

Sean’s Food Mart
484 Westfield Ave.
Banaras Khan

Torrid: Plus Sizes
50 Holyoke St.
Hot Topic Inc.

NORTHAMPTON

A Second Opinion!
60 Platinum Circle
Patricia Nnaji

ALT Healthcare Consultants
187 North Maple St.
Susan Towles

Amy Diamond Consulting
29 Fairview Ave.
Amy Diamond

B & G Associates
43 Fox Road
Bernyce Grant

Bank of America
79 King St.
Fleet National Bank

Bank of America
144 Main St.
Fleet National Bank

Colly Construction
72 North Main St.
Christopher Colly

Copper Beech Millwork
30 Industrial Dr.
Amherst Woodworking & Supply Inc.

Eminent Energy Promotions
46 Main St.
Bruce Wilson

Errands Etc.
33 Maple St.
Nen Strano

Grace Bodywork
16 Center St.
Mary Grace Farley

Jeanne Schubmehl, MS,OTR/L
92 Main St.
Jeanne Schubmehl

Jupiter Girl
21 Vernon St.
Caitlin Bosco

Pioneer Valley Balloons
Old Ferry Road
Northampton Aeronautics Inc.

SPRINGFIELD

Abandon Inhibition
36 Montrose St.
Kethayne Trader

Affordable Computer Storage
51 Kimberly Ave.
Eugenia Bondarenro

B & B Trucking
88 Brunswick St.
Phuong Lee

Beautiful Nails II
1293 Boston Road
Tony Vo

C & D Variety
14 Orange St.
Diane Negron

Cali Nail Care
2460 Main St.
Kelly Huong

Certified Auto Glass
1142 State St.
Miguel Perez

Cobalt Club & Restaurant
150 Bridge St.
P.O.P. Inc.

Emerald City Cafe
270-272 Bridge St.
Kinale Village LLC

Express Repair
18 Berkshire Ave.
Betsy Leal

Family Gifts
266 Canon Circle
Evan Sims

JC Grocery
902 Worthington St.
Carmon Garcia

J.G. Home Improvements
258 Jasper St.
Vincent Clark

Joe’s Deli Mart
677 Allen St.
Tracy Carbanel

Joyce Insurance & Financial Service
1351 Main St.
John Joyce

K & R Sports
44 Derryfield Ave.
Russell Westbrooks

Karen’s Gifts
12 Mattoon St.
Karen Phillips

Karmil Grocery Store
154 Catherine Road
Milthon Perez

Nova Care Rehab
3550 Main St., Suite 203
S.T.A.R.T Inc.

Nova Care Rehab
1160 Dickinson St.
S.T.A.R.T Inc.

O’s Auto Detailing & Towing
230 Verge St.
Orlando Martinez

Olympic Cleaning
96 Athol St.
William Sevene Jr.

Painters Plus
31 Middle St.
Juan Serrano

Paramount Hippodrome
1700 Main St.
Creative Theatre Concepts Inc.

Parkin Design
56 Harvard St.
Karane Parkin

Roma’s Auto Sales
201 Berkshire Ave.
Michael Balise

Spring Food Mart
345 Main St.
Abdul Qadus

WEST SPRINGFIELD

ACP Management
42 Sibley Ave.
Deborah St. Peter

DSG
1284 Elm St., Unit 4
Leo Hood, Richard Leaderman, Gary Arsham, Anthony Lepko

Drywall Company
15 Burford St.
Robert Howard

Fastsigns Inc.
1102 Riverdale St.
Multi Signs Inc.

G & B Construction
31 Worthen St.
Gerradiy Brutskiy

Health South Sports Medicine & Rehabilitation Center
71 Park Ave.
Health South

JMJ Easy Vac
745 Memorial Ave.
Cyclone Home Systems Inc.

K & M Electronics Inc.
11 Interstate Dr.
Scott Bettigole

Lisa M Beauvais, Attorney at Law
698 Westfield St.
Lisa Beauvais

Marhaba Restaurant
913 Main St.
Raja Khan

Package Machinery Company Inc.
380 Union St.
Paul Striebel

Poorboys
43 Sylvan St.
Thomas Sullivan

R.D. & Asociates
87 Orchardview St.
Ronald Doucet

Tanto Mane Inc.
232 Ashley Ave.
Joseph Deedy

’Xplicit Customz’ Performance Car Parts
65 Duke St.
Kyle Douglas, Benjamin Lendella

WESTFIELD

B & S Realty Trust
3 Depot Sq.
Stacey and Barbara Phetteplace

Bank of America
10 Main St.
Fleet National Bank

Coggin Creek Stables
1008 Granville Road
Brenda and Denis Coggin

Jean Demers Real Estate
453 Russellville Road
Jean Demers

Madison Construction
264 Buck Pond Road
James OÌSullivan

Mariano Mavarro Towing
34 Franklin St.
Mariano Mavarro

Prestige Carpentry & Remodeling
71 Christopher St.
David MacIver

Shahid Enterprise
1400 Russell St.
Mohammad Shahid

Swayger Plumbing & Heating
18 Llewellyn Dr.
Robert Swayger

Theberge Consulting
410 Southampton Road
Normand Theberge

W.R.B. Auto Detailing
200 Southwick Road
Brian Santinello

Whip City Candle Co.
3 Depot Sq.
Stacie & Barbara Phetteplace

With Heart & Hand
61 Southwick Road
Pamela White

Incorporations

By
Departments

The following business incorporations were recorded in Hampden and Hampshire counties between mid-October and mid-November, the latest available. They are listed by community.

AGAWAM

1813 Main Street Corp., 1813 Main St., Agawam 01001. Carlo P. Bonavita, 68 Old Feeding Hills Road, Westfield 01085. To own and operate a restaurant/bar.

AMHERST

Matthieu J. Massengill, P.C., South East St., Amherst 01002. Matthieu J. Massengill, same. The practice of law.

Valley Arts Project Inc., 129 Glendale Road, Amherst 01002. Michael Brooks, 192 Belchertown Road, Amherst 01002. (Nonprofit) To create performance opportunities to showcase the talents of young artists in the Pioneer Valley, etc.

ZX Inc., 135 Belchertown Road, Amherst 01002. Xiaoda Xiao, same. To sell newly invented Vector Blind Spot Mirrors to completely eliminate blind spots.

BELCHERTOWN

CBA Marketing USA II Inc., One Main St., Belchertown 01007. Irene A. Kane, 684 Ridge Road, Wilbraham 01095. Freight forwarding and freight management.

Uncommon Photography Inc., 145 River St., Belchertown 01007. Robert Wallace, same. Photography.

CHICOPEE

DJDF Real Estate Inc., 40 Nichols Road, Chicopee 01013. David Deslauriers, 82 Lord Terrace, Chicopee 01020. Real estate.

J.M.B.B. Company Inc., 45 Doverbrook Road, Chicopee 01022. Joyce Chapin, same. Consulting for mortgage brokers.

New Tour Corp., 9 Stanley Dr., Chicopee 01020. Si Yuan Tseng, same. Chartered bus.

Two-Putt Inc., 1469 Granby Road, Chicopee 01020. Joseph L. Larrivee, 27 Windpath E., West Springfield 01089. Real estate holding.

EASTHAMPTON

Uncommon Clarity Inc., 3 Payson Ave., Easthampton 01027. Ann Latham, same. Business operations consulting.

FEEDING HILLS

CMBW Inc., 22 Kathy Terrace, Feeding Hills 01030. Robert J. Wierdo, same. Ladies physical fitness.

FLORENCE

NCP and Associates Inc., 60 Platinum Circle (Rear), Florence 01062. Patricia Haynes Nnaji, same. To provide practical advice for individuals undergoing occupational change, financial stress, etc.

HOLYOKE

Appleton Pre-School, Early Learning Center and Childcare Inc., 397 Apppleton St., Holyoke 01040. Sharon Zayas, 18 White Birch Dr., Springfield 01119. To provide pre-school, early learning and childcare services to the public.

T.W.C. Towing Inc., 56 Jackson St., Holyoke 01040. Juan Figueroa, same. Towing, selling automobiles and automobile parts, detailing automobiles.

LONGMEADOW

M.W.C. Construction Inc., 1661 Longmeadow St., Longmeadow 01106. Michael C. DeMarche, 46 Mohawk Dr., Longmeadow 01106. Construction.

R.F.L. Electric Inc., 195 Redfern Dr., Longmeadow 01108. Robert Lipp, same. Electrical contracting.

LUDLOW

Sekoswki Family Inc., 67 Bluebird Circle, Ludlow 01056. Gabriela Sekowski, same. To own and operate a package store.

Your Choice Insurance Agency Inc., 120 East St., Ludlow 01056. Samuel R. Hanmer, 123 Englewood Road, Longmeadow 01106. An insurance agency.

NORTHAMPTON

Healing Across the Divides Inc., 72 Laurel Park., Northampton 01060. Lawrence Lowenthal, American Jewish Committee, 126 High St., Boston, 02110. (Nonprofit) To promote cooperation between Israeli and Palestinian health organizations/individuals, etc.

Pioneer Valley Travel Medicine, P.C., 69 State St., Northampton 01060. Ann K. Markes, 124 Maple Ridge Road, Florence 01062. To engage in the practice of travel medicine.

PALMER

New Millenium Appraisal Inc., 11 Diane St., Palmer 01069. Barry J. Cook, same. To offer real estate appraisal services, develop methods and materials to appraisers of real estate.

SPRINGFIELD

Antique and Specialty Flooring Company Inc., 169 Paridon St., Springfield 01118. Anthony Frogameni, 76 Pembroke Lane, Agawam 01001. Purchase of antique wood and manufacturing and sale of flooring products made therefrom.

Compass Car Rental Inc., 155 Allen Park Road, Springfield 01118. Olga Arnst, 107 Chestnut St., West Springfield 01089. Car rental agency.

Gordies Gourmet Inc., 1209 Sumner Ave., Springfield 01118. Gordon Richard Weissman, 174 Abbott St., Springfield 01118. The manufacturing, packaging and sale of snack food.

J.T. Home Improvements Inc., 38 Jenness St., Springfield 01004. Jeff Lariviere, same, president, treasurer, and secretary. Home improvements and repairs.

Latin Flava Cafe Inc., 1677 Main St., Springfield 01103. Isabel Pellot, same. To provide Spanish food and beverages in a cafe atmosphere.

Law Offices of Brian Shea, P.C., 127 Mulberry St., Springfield 01105. Brian Shea, same. To operate a legal practice.

Law Offices of Frank A. Caruso, P.C., 127 Mulberry St., Springfield 01105. Frank A. Caruso, same. To operate a legal practice.

Orr Chevrolet Inc., 10 Mill St., Springfield 01104. Sterling A. Orr, II, 12 Winterberry Dr., Wilbraham 01095. Automobile dealership.

RGoodridge Inc., 206 Marsden St., Springfield 01109. Winifred Renee Haskins, same. E-commerce retail.

WEST SPRINGFIELD

Canterbury Development Inc., 84 Cedar Woods Glen, West Springfield 01089. Kathleen H. Sweeney, same. To own real property, remodeling, construction, etc.

Carl Yam Inc., 1051 Elm St., Unit 9, West Springfield 01089. Koang Cheu Yam, same. The sale of food.

Rural Lane Inc., 1771 Riverdale Road, West Springfield 01089. Mark S. Lyon, 53 Rural Lane, East Longmeadow 01028. Purchasing for resale or the consignment of household/business furnishings and household-related items.

Sullivan Private Label Inc., 42 Progress Ave., West Springfield 01089. Paul Fortini, 120 Greystone Ave., West Springfield 01089. To design and distribute retail packaging products to major department stores and specialty stores.

Valley Convenience Plus Inc., 242 Cayenne St., West Springfield 01089. Olga Alkattan, same. Convenience store and mini market.

WESTFIELD

Codru Transport Inc., 14 Sycamore St., #22, Westfield 01085. Stepan Foksha, same. A local, interstate and coast-to-coast trucking business.

Crane Marketing Associates Inc., 362 Granville Road, #105, Westfield 01085. Donald F. Hogan, same. The marketing of specialty chemicals and related products.

New England Pizza Restaurant of Westfield Inc., 280 Southampton Road, Westfield 01085. Jose M. Davila, 10 So. Maple St., Enfield, CT 06082. Jose M. Davila, 280 Southampton Road, Westfield 01085, resident agent. Restaurant.

WILBRAHAM

Halon Estates Homeowners Association Inc., 2148 Boston Road, Wilbraham 01095. Jason Sares, 168 Fuller St., Ludlow 01056. (Nonprofit) To maintain the common open space areas and subdivisions of “Halon Estates”.

JLS Architects Inc., 7 Rice Dr., Wilbraham 01095. John L. Strandberg, same. Architectural services.

Taste of Greece, Springfield Inc., 6 Evergreen Circle, Wilbraham 01095. Christine Dourountoudakis, same. To operate a deli and variety store, distribute food supplies to individuals, stores and restaurants.

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