Home 2011 November
Bankruptcies Departments

The following bankruptcy petitions were recently filed in U.S. Bankruptcy Court. Readers should confirm all information with the court.

Aguirre, Victor
Aguirre, Milagro
a/k/a Medina, Milagro
256 Union St.
Springfield, MA 01105
Chapter: 7
Filing Date: 10/12/11

Aliperti, Jeffrey David
Aliperti, Jean Brockenbroug
113 Farmington Road
Longmeadow, MA 01106
Chapter: 7
Filing Date: 10/14/11

Altman, Reginald A.
250 Walnut St.
North Adams, MA 01247
Chapter: 13
Filing Date: 10/04/11

Asadoorian, Alexandra
22 Whitney Ave.
West Springfield, MA 01089
Chapter: 7
Filing Date: 10/12/11

Athol Orange Driving School
Mailloux, Albert J.
271 South Royalston Road
Athol, MA 01331
Chapter: 7
Filing Date: 09/30/11

Bessette, Michele N.
550 South Mountain Road
Pittsfield, MA 01201
Chapter: 7
Filing Date: 10/11/11

Bliss, Dale A.
68 Kulessa Cross Road
Sunderland, MA 01375
Chapter: 7
Filing Date: 10/14/11

Bryant, Jeremy P.
Bryant, Kellie A.
248 Adams Road
Greenfield, MA 01301
Chapter: 7
Filing Date: 10/05/11

Bunnell, Cynthia M.
136 Mary Coburn Road
Springfield, MA 01129
Chapter: 7
Filing Date: 10/03/11

Cardinal, Margo L.
80 Columba St., Apt 7B
Chicopee, MA 01020
Chapter: 7
Filing Date: 10/14/11

Cayea, Michael
Cayea, Caroline
1235 Main St.
Warren, MA 01083
Chapter: 7
Filing Date: 10/13/11

Christiansen, Craig A.
Christiansen, Tracy R.
15 Hampden St.
Indian Orchard, MA 01151
Chapter: 7
Filing Date: 10/06/11

Chunhasuwan, Suchan
Chunhasuwan, Rudee
59 Maui Dr.
Chicopee, MA 01020
Chapter: 13
Filing Date: 10/04/11

Condino, David J.
Condino, Jean M.
123 Melvin St.
Chicopee, MA 01013
Chapter: 7
Filing Date: 09/30/11

Contreras, Victoria
89 Sherman St.
Springfield, MA 01109
Chapter: 7
Filing Date: 10/07/11

Dearborn, Laurie A.
a/k/a Watts, Laurie Ann
a/k/a Matthews, Laurie Ann
67 East St.
Springfield, MA 01104
Chapter: 7
Filing Date: 10/05/11

DeSimone, Connie Lynn
129 Tobacco Farm Road
Feeding Hills, MA 01030
Chapter: 7
Filing Date: 10/03/11

Dickinson II, Paul R.
Dickinson, Susan K.
83 Lumae St.
Springfield, MA 01119
Chapter: 7
Filing Date: 10/01/11

DiSanti, Robyn K.
107 Gerrard Ave.
East Longmeadow, MA 01028
Chapter: 7
Filing Date: 10/13/11

Duhart, Scott G.
25 Franklin St., Unit H
Easthampton, MA 01027
Chapter: 7
Filing Date: 10/03/11

Ellard, Nancy K.
45 Pidgeon Dr.
Springfield, MA 01119
Chapter: 13
Filing Date: 10/11/11

Evans, Robert B.
PO Box 152
Pittsfield, MA 01202
Chapter: 7
Filing Date: 10/12/11

Facto, Kelly Lynne
PO Box 184
Goshen, MA 01032
Chapter: 7
Filing Date: 10/10/11

Ferrigno, Maryann A.
176 Forest Hill Road
Feeding Hills, MA 01030
Chapter: 7
Filing Date: 09/30/11

Foley, Karen Lynne
39 Plateau Ave.
West Springfield, MA 01089
Chapter: 7
Filing Date: 10/03/11

Foley, Michael J.
80 Fairview Ave.
Chicopee, MA 01013
Chapter: 7
Filing Date: 10/06/11

Follett, Stephanie F.
177 Polikoff Road
Ashley Falls, MA 01222
Chapter: 13
Filing Date: 10/07/11

Forbes Photo & Frame, LLC
Franz, Kerry
30 Prospect St.
Greenfield, MA 01301
Chapter: 7
Filing Date: 10/14/11

Forget, Lawrence R.
19 Hamlet St.
Springfield, MA 01104
Chapter: 7
Filing Date: 10/07/11

Gagne, Joseph E.
Gagne, Dorothy A.
13 Sullivan Ave.
P. O. Box 184
Hardwick, MA 01031
Chapter: 7
Filing Date: 10/15/11

Galuszka, Irene L.
30 Crestview Dr.
West Springfield, MA 01089
Chapter: 7
Filing Date: 10/07/11

Garny, Paul C.
20 Powers Mill Road
Phillipston, MA 01331
Chapter: 13
Filing Date: 09/30/11

Golemo, John S.
Golemo, Helen E.
19 Quebec St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 10/12/11

Grover, Ricky A.
86 McCarthy Ave.
Chicopee, MA 01020
Chapter: 13
Filing Date: 10/03/11

Hall, Deborah A.
96 Holmes Road
Pittsfield, MA 01201
Chapter: 7
Filing Date: 09/30/11

Hallett, Lynn A.
22 Lyman St.
Easthampton, MA 01027
Chapter: 7
Filing Date: 10/12/11

Hughes, Richard F.
379 Tully Road
Orange, MA 01364
Chapter: 7
Filing Date: 09/30/11

James, Jason S.
24 William St.
West Springfield, MA 01089
Chapter: 7
Filing Date: 10/13/11

Jandreau, D. Kevin
11 Tulsa St.
Springfield, MA 01118
Chapter: 7
Filing Date: 10/05/11

Karas, Julia P.
Karas, Stephen
399B Gooseberry Road
West Springfield, MA 01089
Chapter: 7
Filing Date: 10/04/11

Kavanagh, Peter John
42 Woodlawn St.
Springfield, MA 01108
Chapter: 13
Filing Date: 10/06/11

Ketcham, Lillian C.
56D Highview Dr.
Pittsfield, MA 01201
Chapter: 7
Filing Date: 10/05/11

Krieger, Scott Alan
7 Water St.
Leeds, MA 01053
Chapter: 7
Filing Date: 10/05/11

Martin, Fred A.
P.O. Box E
Cheshire, MA 01225
Chapter: 7
Filing Date: 10/06/11

Matos, Virgilio
Frias, Ana I.
87 Belle St., Apt. 4R
Springfield, MA 01104
Chapter: 7
Filing Date: 10/13/11

Mayrand, Paul M.
1 Springfield St., Apt. A103
Chicopee, MA 01013
Chapter: 7
Filing Date: 09/30/11

McLoud, Bonnie J.
a/k/a Souness, Bonnie J.
48 Holy Family Road
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/13/11

Momo Maintenance and Cleaning
Nguessan, Kouadio M.
49 River St.
West Springfield, MA 01089
Chapter: 7
Filing Date: 10/12/11

Moran, Debra A.
989 Granby Road
Chicopee, MA 01020
Chapter: 7
Filing Date: 10/14/11

Morris, John J.
13 Highland Village Apts.
Ware, MA 01082
Chapter: 7
Filing Date: 10/11/11

Murphy, Kevin P.
2 Standish Court, Apt. A
Greenfield, MA 01301
Chapter: 7
Filing Date: 09/30/11

Nadeau, Stephanie Lynn
a/k/a Galas, Stephanie Lynn
274 Centre St.
Indian Orchard, MA 01151
Chapter: 7
Filing Date: 09/30/11

Nadeau, Timothy R.
39 Riverboat Village Road
South Hadley, MA 01075
Chapter: 7
Filing Date: 10/06/11

Negron, Rosemary
34 Mayfair Ave.
Springfield, MA 01104
Chapter: 7
Filing Date: 10/12/11

Nguyen, Thanh V.
14 Meredith St.
Springfield, MA 01108
Chapter: 7
Filing Date: 10/14/11

Osowski, Walter F.
Osowski, Julie A.
3 Fritz Ave.
Westfield, MA 01085
Chapter: 7
Filing Date: 10/03/11

Parker, Caleb J.
49 Wholey Road
Conway, MA 01341
Chapter: 7
Filing Date: 10/07/11

Pasterczyk, Heidi A.
62 South Winthrop St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 10/09/11

Petell, Laurie B.
80 Merriam St.
Pittsfield, MA 01201
Chapter: 13
Filing Date: 10/14/11

Peterson, Carl P.
Peterson, Kim J.
48 Dean Circle
Athol, MA 01331
Chapter: 7
Filing Date: 10/12/11

Pettibone, Kenneth E.
Pettibone, Michele L.
226 Huckleberry Lane
Becket, MA 01223
Chapter: 7
Filing Date: 10/06/11

Phillips, Joseph W.
Phillips, Gail A.
60 Division St.
Easthampton, MA 01027
Chapter: 7
Filing Date: 10/05/11

Pieciak, Joseph A.
136 Queen Ave.
West Springfield, MA 01089
Chapter: 7
Filing Date: 10/11/11

PKC Plumbing & Heating
Laflam, Paul R.
16 Fairfield Ave.
Haydenville, MA 01039
Chapter: 7
Filing Date: 10/14/11

Potvin, Raymond D.
Potvin, Dianne M.
65 Pondview Dr.
Chicopee, MA 01020
Chapter: 7
Filing Date: 09/30/11

Punch, Theresa G.
32 Lower Westfield Road
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/12/11

Purcell, William Michael
11 Cummings St.
Ware, MA 01082
Chapter: 7
Filing Date: 10/12/11

Ramos, Wilfredo
77 Longhill St.
Springfield, MA 01108
Chapter: 7
Filing Date: 10/14/11

Ratte, Laurette M.
291 Poplar Ave.
West Springfield, MA 01089
Chapter: 7
Filing Date: 10/07/11

Reid, Clarence Mitchell
37 Waldorf St.
Springfield, MA 01109
Chapter: 13
Filing Date: 10/03/11

Richardson, Donna M.
20 Elmshade Way
Springfield, MA 01119
Chapter: 7
Filing Date: 10/03/11

Rodriguez, Fernando
Rodriguez, Mirtha
20 Sullivan St.
Springfield, MA 01104
Chapter: 7
Filing Date: 10/14/11

Rosario, German
5 Columbia St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/11/11

Ross, Michael A.
72 Monrovia St.
Springfield, MA 01104
Chapter: 7
Filing Date: 10/13/11

Santiago, Carmen I.
561 S. Canal St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/13/11

Schomer, Todd J.
Schomer, Karen F.
5 Tobacco Road
Southwick, MA 01077
Chapter: 7
Filing Date: 10/11/11

Serrano, Jose A.
P.O. Box 1305
Holyoke, MA 01041
Chapter: 7
Filing Date: 10/13/11

Silvano, Mary C.
99 Meadow Road
East Longmeadow, MA 01028
Chapter: 7
Filing Date: 10/03/11

Simon, Nicholas D.
19 Skyline Dr.
East Longmeadow, MA 01028
Chapter: 7
Filing Date: 10/14/11

Skuse, Martin E.
Skuse, Karen M.
14 Field St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 10/11/11

Smith, Melissa Jane
883 Bay Road
Amherst, MA 01002
Chapter: 7
Filing Date: 10/13/11

Spinney, Jessie E.
102 East Main Road
Peru, MA 01235
Chapter: 7
Filing Date: 10/11/11

Spire USA
Barnes, Cory Patrick
Barnes, Alexandra Ramsay
a/k/a Lexie, Barnes
56 Chestnut Plain Road
South Deerfield, MA 01373
Chapter: 7
Filing Date: 10/11/11

St. Germain, Mark J.
69 Hadley Village Road
South Hadley, MA 01075
Chapter: 7
Filing Date: 10/11/11

Storey, Laurie A.
7 Overlook Road
South Hadley, MA 01075
Chapter: 7
Filing Date: 10/14/11

The Learning Garden
Fellows, Andrew J.
Fellows, Jericho
375 Walnut Hill Road
Orange, MA 01364
Chapter: 7
Filing Date: 09/30/11

TL Boutin Transportation
Boutin, Therese L.
a/k/a Wheeler, Therese L.
51 Pleasant St.
Granby, MA 01033
Chapter: 13
Filing Date: 10/10/11

Tomala, Walter J.
132 Lapointe Road
Westfield, MA 01085
Chapter: 7
Filing Date: 10/06/11

Torres, Rosa M.
37 Kingsley St.
Springfield, MA 01104
Chapter: 7
Filing Date: 10/06/11

Usher, Judith A.
193 Oak St.
Indian Orchard, MA 01151
Chapter: 7
Filing Date: 10/14/11

Valdez, Lissette
654 Beacon Circle
Springfield, MA 01119
Chapter: 7
Filing Date: 10/13/11

Vasquez, Eva E.
a/k/a Gonzalez, Eva E.
86 Barber St.
Springfield, MA 01109
Chapter: 7
Filing Date: 10/05/11

Vazquez, Elba I.
180 Northampton Ave., 2nd Fl.
Springfield, MA 01109
Chapter: 7
Filing Date: 09/30/11

Welzyn, Patricia
81 Polaski Ave.
Chicopee, MA 01013
Chapter: 7
Filing Date: 09/30/11

Wernsing, Diane S.
31 Highland Ave.
Westfield, MA 01085
Chapter: 7
Filing Date: 10/14/11

Whitney, Gardner
Whitney, Robin
19 Sunbriar Dr.
Westfield, MA 01085
Chapter: 7
Filing Date: 09/30/11

Wondoloski, Jean M.
5 Hillside Ave.
Turners Falls, MA 01376
Chapter: 7
Filing Date: 10/05/11

Wood, Michael S.
Wood, Jonencia
21 Anderson St.
Three Rivers, MA 01080
Chapter: 7
Filing Date: 10/13/11

Wrona, Jaroslaw
55 Empire St., No. 58
Chicopee, MA 01013
Chapter: 7
Filing Date: 09/30/11

Chamber Corners Departments

ACCGS
www.myonlinechamber.com
(413) 787-1555

• Dec. 2: East of the River 5 Town Chamber Annual Holiday Breakfast, at Twin Hills Country Club, Longmeadow. Doors Open at 7:15 a.m. Tickets: $20 for members; $30 for non-members.
• Dec. 6: Springfield Chamber of Commerce Executive Directors’ meeting, noon-1 p.m. in the  EDC Conference Room, Springfield.
• Dec. 7: ACCGS [email protected], at the Delaney House in Holyoke. Doors open at 7:15 a.m. Tickets: $20 for members; $30 for non-members.
• Dec. 9: ACCGS Legislative Steering Committee, 8-9 a.m. in the TD Bank Conference Center, Springfield.
• Dec. 14: ACCGS After 5, 5-7 p.m., at WWLP TV-22, Chicopee. Tickets: $10 for members; $20 for non-members.
• Dec. 15: ACCGS Executive Committee meeting, noon-1 p.m., in the TD Bank Conference Room, chamber offices.
• Dec. 21: ERC Board of Directors’ Meeting, 8-9 a.m., at The Gardens of Wilbraham, Community Room, 2 Lodge Lane, Wilbraham.
Dec. 21: ACCGS Ambassadors Meeting, 4-5 p.m., EDC Conference Room, Springfield.

AMHERST AREA CHAMBER OF COMMERCE
www.amherstarea.com
(413) 253-0700

• Dec. 14: Amherst Area Chamber After 5/Holiday Party, 5-7 p.m. at the Amherst Brewing Company, 100 University Dr., Amherst, MA 01002. Admission: $5 for members; $10 non-members. For more information, visit www.amherstarea.com

CHICOPEE CHAMBER OF COMMERCE
www.chicopeechamber.org
(413) 594-2101

• Dec. 6: Holiday Party, 4:30-6:30 p.m. Hosted by the Chicopee Chamber of Commerce. Free to members.
• Dec. 21: Salute Breakfast, 7:15-9 a.m., at the Castle of Knights, Chicopee.  Advance tickets: $19 for members; $26 for non-members; at the door: $21 for members; $28 for non-members.

FRANKLIN COUNTY CHAMBER OF COMMERCE
www.franklincc.org
(413) 773-5463

• Dec. 2: Holiday Hor D’oeuvres Party, 6-9 p.m. This is a great event for adults to socialize, learn about wine, and jazz. Live music by Espresso jazz (6-9). Hosted by Chandler’s located at Yankee Candle Village, Routes 5 &10 in South Deerfield. Tickets: $40 per person.

GREATER HOLYOKE CHAMBER OF COMMERCE
www.holycham.com
(413) 534-3376

• Dec. 14: Holiday Salute Breakfast, 7:30 a.m., at the Yankee Pedlar, 1866 Northampton St. Co-sponsored by Holyoke Gas & Electric and Health New England. Tickets: $20 for members; $25 for non-members.
n Dec: 21: Holyoke Chamber After Hours, 5-7 p.m. Hosted and sponsored by the Delaney House, 3 Country Club Road, Holyoke Tickets: $10 for members; $15 for non-members.

GREATER NORTHAMPTON CHAMBER OF COMMERCE
www.explorenorthampton.com
(413) 584-1900

• Dec. 7: December Arrive @5, 5-7p.m. at Thornes Marketplace. Sponsored by King Auto Body, Johnson & Hill Staffing, and United Bank. Tickets: $10 for members
• Dec. 13: New-member lunch, noon-1 p.m. Hosted by the Northampton Chamber of Commerce, 99 Pleasant St., Northampton.

NORTHAMPTON AREA YOUNG PROFESSIONAL SOCIETY
www.thenayp.com
(413) 584-1900

• Dec. 8: NAYP monthly networking event, at the Hotel Northampton
36 King St., Easthampton. Featured nonrofit is the Food Bank of Western Mass.

SOUTH HADLEY/GRANBY CHAMBER OF COMMERCE
www.shchamber.com
(413) 532-6451

• Dec. 3: South Hadley Holiday Stroll, 2:30 p.m. The event begins for youngsters at the Town Common where festive music will ring out beginning at 2:30 p.m. At 3, Santa and his elves will parade to the Common with the help of the South Hadley High Tiger Pride Marching Band. There will be an opportunity for youngsters to sit with Santa and have mom or dad take pictures. New this year, bring your own camera for pictures with Santa. Musical performances will continue until 5 p.m. when the tree lighting will take place on the Common. Festivities will be held at the Common in South Hadley.

THREE RIVERS CHAMBER OF COMMERCE
www.threeriverschamber.org
(413) 283-6425
• Dec. 5: Monthly meeting of the Three Rivers Chamber of commerce, 7-8 p.m.Hosted by the Three Rivers Chamber of Commerce, 2376 Main St.

WEST OF THE RIVER CHAMBER OF COMMERCE
www.ourwrc.com
(413) 426-3880

• Dec. 8: Food Fest West, 6-8 p.m., at Crestview Country Club, 281 Shoemaker Lane, Agawam. Tickets: $25 in advance; $30 at the door. All proceeds go to WRC’s Educational Fund, providing scholarships and business education grants to West Springfield and Agawam. For more information, contact Tamara Fricke, [email protected] or (413) 426-3880

GREATER WESTFIELD CHAMBER OF COMMERCE
www.westfieldbiz.org
(413) 568-1618

• Dec. 9: Holiday breakfast, 7:30-9 a.m. at Shaker Farms Country Club, 866 Shaker Road.  Sponsors: Gold, Westfield Bank; Silver, Easthampton Savings Bank and The Carson Center for Human Services Inc. Highlights: the holiday benefactor this year is the Boys & Girls Club of Greater Westfield; attendees are asked to bring unwrapped gifts for children ages 5-15; age-appropriate games and toys are desired. Tickets: $25 for members; $30 for non-members

YPS-Young Professional Society of Greater Springfield
www.springfieldyps.com

• Dec. 15: Third Thursday, 5-7 p.m., Mckinney & Burbach Tavern, 1127 Main St., Springfield, 01105.  For more information on this event, visit www.springfieldyps.com

Company Notebook Departments

Easthampton Savings Bank Surpasses $936M in Assets
EASTHAMPTON — At the end of the third quarter, Easthampton Savings Bank had total assets of $936 million, according to William S. Hogan, Jr., president and CEO. Assets were up more than $86 million from a year ago, an increase of 10%. Also, over the past year, total loans increased 8% or almost $49 million, an increase of almost $18 million over the last quarter. Total loans now stand at $635 million. Hogan noted that the bank’s deposit growth was more than $87 million or 13% from a year ago. Deposits were up almost $11 million for the quarter. Total deposits now stand at $755 million. “This past quarter has been another successful one,” said Hogan in a statement. “We achieve this level of success with exceptional employees and support from all of the communities we call home.” Hogan added that bank officials look forward to completing the year on an “up note” with strong performance.

Big Y Foods Opens
Store in Lee
LEE — Big Y Foods opened a 45,900-square-foot World Class Market at 10 Pleasant St. on Nov. 3, at the site of the former truck stop Diesel Dan’s. The new Big Y reflects today’s modern supermarket standards along with an in-store pharmacy, prepared meals section and eat-in cafe, according to store director Steve Gigliotti. Additionally, there is 5,000 square feet of retail space that is available for a future tenant. Cocca Development of Boardman, Ohio, served as general contractor for the expansion in conjunction with several local subcontractors for the completion of the $15 million development. Gigliotti and his team has hired approximately 150 employees to operate the store. The hours of operation will be 7 a.m. to 10 p.m. daily. Big Y’s pharmacy will accept most major insurance plans and will be managed by Darice Taxter, R.Ph., along with John Graham, R.Ph. Wellness services include flu shots, total cholesterol and blood pressure, glucose and body fat and osteo with blood pressure. Pharmacy hours are 9 a.m. to 7 p.m. weekdays, 9 a.m. to 5 p.m. on Saturdays, and 9 a.m. to 1 p.m. on Sundays. As part of Big Y’s grand opening celebration, the four schools in Lee each received $500 as part of the company’s longstanding commitment to education.

MassMutual Plans $1.33B Dividend Payout for Policyholders
SPRINGFIELD — Massachusetts Mutual Life Insurance Company (MassMutual) recently announced it has approved payment of an estimated $1.33 billion in dividends to eligible participating policyholders in 2012, an increase of $105.5 million over the prior year, representing an 8.6% increase. The annual dividend, which MassMutual has paid to policyholders consistently since the 1860s, is one of the key benefits of purchasing a participating policy from a mutual company that is operated for the benefit of its policyholders, according to Roger Crandall, chairman, president and CEO, MassMutual. “The value of doing business with a mutual company has never been more abundantly clear, and MassMutual is proud to deliver on that enduring value by continuing our legacy of strong dividend payouts,” said Crandall in a statement. “Our increased dividend payout in 2012 demonstrates our longstanding commitment to mutuality, financial strength, and those who matter most to us, our policyholders.” The total dividends for 2012, approved by MassMutual’s Board of Directors, include a dividend interest rate of 7.0% on all eligible participating life insurance policies. This announcement comes at a time when MassMutual maintains among the highest financial strength ratings in its industry and is reporting record levels of surplus ($11.2 billion as of Sept. 30) and total adjusted capital ($13.4 billion as of Sept. 30), which are key indicators of the company’s overall financial strength, added Crandall.

Carrazza Financial Merges with St. Germain Investment Management
SPRINGFIELD — Michael R. Matty, CFA, CFP president, of St. Germain Investment Management announced the merger of his company with Frank Carrazza Financial Planning. Frank A. Carrazza Jr. assumes the position of director of Financial Planning for the firm. He will oversee the financial planning services of St. Germain while continuing his responsibilities of managing client assets and providing financial and insurance planning advice to individuals and small business owners. Carrazza brings a broad range of knowledge and experience in areas of investments, income and capital preservation.  Since 1976, he has been an independent professional since leaving a senior position at IBM in Boston. As a financial advisor, he offered securities through Commonwealth Financial Network, a broker/dealer and member of FINRA and SIPC. He has served as president of the Estate Planning Council of Hampden County as well as president of the Western Mass Chapter of Financial Service Professionals. Because of his expertise in financial planning, business succession planning, insurance and estate planning, Carrazza holds the following certifications: certified financial planner [CFP], chartered life underwriter [CLU], chartered financial consultant [ChFCA], accredited investment fiduciary [AIF] and registered investment advisor [RIA]. St. Germain is a privately held company specializing in investment management for individuals and institutions. Founded in 1924, St. Germain services national and international clients from two offices, one in Springfield,  the other in Hartford.

UMass Amherst Police Have New Station
AMHERST — The UMass Amherst Police Department recently conducted a ribbon-cutting ceremony for its new building at 585 East Pleasant St. At the ceremony, speakers included Robert C. Holub, UMass Amherst chancellor, Henry Thomas III, UMass trustee from Springfield, who represented the UMass Board of Trustees and the UMass Building Authority, and Johnny C. Whitehead, UMass Amherst police chief. During the festivities, the department opened the building for tours and had specialty units, including the police horses and motorcycle officers, available. The $12.5 million facility is located at the intersection with Tillson Farm Road, across from the Amherst Fire Department’s North Fire Station. The department began full-time use of the new building in April. The building, designed by the firm Caolo & Bieniek Associates, is also the first new construction on campus to meet leadership in energy and environmental design (LEED) certification standards. Whitehead noted in a statement that the new station provides the department with all of the tools that a highly professional police force needs.

Departments People on the Move

Josiah B. Neiderbach recently joined the Pioneer Valley Planning Commission in Springfield as a Land Use and Environment Planner.
•••••

Lynn Brown

Lynn Brown

Lynn Brown has been appointed First Vice President of Commercial Banking at PeoplesBank in Holyoke. Brown joins PeoplesBank with more than 26 years of experience in the financial-services industry. She is a seasoned commercial banking professional who has worked in the area for the majority of her career. At her previous position, Brown was responsible for managing a commercial-loan portfolio totaling more than $85 million. She is the chair of the board of directors for the Behavioral Health Network and is a member the board of directors for the East Longmeadow Education Endowment Fund.
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Amy B. Royal has been named a Director of Aditus Inc., a community-based education and employment agency serving individuals with developmental disabilities. She is a Senior Partner at Royal LLP, a management-side labor- and employment-law firm.
•••••
Nancy Milkey

Nancy Milkey

Nancy Milkey, PG, LSP, has been named Tighe & Bond’s Technical Practice Leader for the Environmental Practice Group. In this role, she coordinates and champions the Westfield firm’s extensive environmental-assessment capabilities and ensures the group stays abreast of local, state, and federal regulations that impact clients. She is a registered brownfields professional, a Massachusetts-licensed site professional, and a professional geologist in New Hampshire.
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Alicia M. Szenda has been appointed Director of Sales at the Greater Springfield Convention and Visitors Bureau. She previously served as Group Sales Manager. In her new position, Szenda manages convention and meetings sales for all member properties in the Pioneer Valley, and serves as the hotel liaison for the TEAM Springfield sales strategy for conventions. She will also coordinate group tour activities for the bureau.
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Elisabeth E. Johnson has been appointed by TD Bank as Vice President, Portfolio Manager in Commercial Real Estate in Springfield. She is responsible for managing a $280 million portfolio of commercial mortgages and lines of credit, as well as credit administration, risk management, and compliance of existing loans.
•••••
Katya Cerar has been named Director of Transition Aged Youth Services at ServiceNet.
•••••
United Bank, based in West Springfield, announced the following:
Donna George-Ebbeling

Donna George-Ebbeling

• Donna George-Ebbeling has been named Senior Vice President and Chief Credit Officer. She brings with her more than 25 years of banking experience in credit administration, most recently with People’s United Bank and previously with the former Bank of Boston. Her experience includes credit analysis, management of regional credit departments, and risk-management responsibilities.
• Donna Easton-Vicalvi has been promoted to Vice President, Government Banking. A former town treasurer with more than 15 years experience in municipal government and banking when she joined United Bank in 2008 as assistant vice president of government banking, Easton-Vicalvi has since built and maintained significant customer relationships with numerous municipalities in the surrounding area. She also plays an active role with various industry and community organizations.

Cover Story
Troy Industries Has Growth, Diversification In Its Sights

Steve Troy calls his venture, “the biggest company no one’s heard of.” And that’s largely due to his hard work to fly under the radar screen as he’s nurtured Troy Industries, a government contractor that designs, manufactures, and markets advanced small arms components and other products, into a diverse, cutting-edge company that will soon have 100 employees. But remaining anonymous is becoming increasingly difficult as this unique success story adds new and intriguing chapters.

Steve Troy already had plenty of evidence that his company was becoming a real force in the large but mostly unseen world of modern small arms design and manufacturing.
There were the soaring revenues, which had doubled nearly every year since the venture was started in 2003, as well as a rapidly expanding workforce, which stood at six only a few years ago, and is now approaching 100. And then, there was the growing collection of trade magazine covers featuring company products —  publications such as Guns & Ammo, Tactical Weapons, American Rifleman, Shotgun News, and SWAT magazine.
But then came some additional proof that made him pause and reflect.
Indeed, when Troy, a Massachusetts state trooper stationed in Lee (he calls that his “night job”) was issued his MP 15 semi-automatic patrol rifle roughly a year ago, he noticed that the Smith &Wesson-made product bore several components with the Troy Industries name on them.
“I looked down, and there they were, a Troy sight and a Troy handguard,” he said, adding that he was not involved in the procurement process, and, to the best of his knowledge, the state police didn’t know he manufactured the components. “For them to endorse that product was personally rewarding, and it also drove home the importance of the high quality standards we set here; I’m using this gun.”
Personal satisfaction has come in a number of forms for Troy since he started the company not long after a deployment in Kuwait as a security forces team chief with the  U.S. Air Force in 1998, during which he concluded that he could design and manufacture a gun sight better than the one on the weapon he was issued — and then set out to prove his point.
Since then, Troy Industries has seen its product catalog expand to more than 300 items — including sights, slings, upgrade kits for existing weapons (much more on that later), and a gun stock that comes complete with an embedded GPS device — and revenues skyrocket. (Troy, the sole owner of the venture, wouldn’t release specific numbers, but said sales are now in eight-digit territory and he believes they could hit nine in only a few years.)
The company is now a vendor for some of the best-known arms makers in the world, including Smith & Wesson, Sturm Ruger, Viking Tactics, LaRue Tactical, and many others, and its products are being used by U.S. Army Special Forces (Green Berets), SEAL teams, SWAT units, traditional law enforcement, government agencies, the Colombian National Police, and similar outfits in other countries.

Law enforcement is another market in which Troy Industries is looking for greater market share.

Law enforcement is another market in which Troy Industries is looking for greater market share.

Along the way, there have been several prominent success stories, probably the most significant of which is an upgrade kit, known as the “M14 modular chassis system,” that has enabled the U.S. military to take thousands of mothballed M14 carbines produced at the Springfield Armory in the years just prior to its closure in 1968 and put them back into productive use as a more attractive alternative to the smaller-caliber M16.
“We’ve taken a weapon that was 50 years old and transformed it into the front-line, tip-of-the-spear of American special operations and airborne brigades,” he said, adding that the chassis system reduces recoil, enabling users to fire more quickly and accurately, while also allowing users to add scopes and other hardware that transform the basic M14 into a sniper weapon. “These are being used all over Afghanistan and Iraq, and soldiers are doing very well with them.”
Meanwhile, the company has produced its own version of the M-4 carbine, one of the mainstays in the U.S. military today, and has submitted the entry in hopes of winning a large government contract to replace the current Colt product now in use.
At least that’s the ultimate goal.
At the very least, Troy Industries wants to use this exercise to showcase individual components of the product — everything from the sight to the magazine — with the hope and expectation that some of those parts will become specifications for the eventual weapon chosen for production.
As that project and a host of other initiatives are advanced, the main challenge for this company moving forward, said Troy, who is still a part-time CEO in this venture — he parks his state police car, No. 2061 in a designated spot behind the building — is to effectively control the growth of this rapidly expanding company and create an effective balance of on-site production and outsourced work.
“The growth has been phenomenal, but we need to carefully control growth going forward,” he explained. “The business is there for us because of the reputation we’ve built, and it’s easy to attract new business, but we want to make sure that we can deliver on what we promise.”

Taking His Shot
The Troy Industries logo says a little about the company, sort of, but a lot more about its founder.
And it’s not the design — a somewhat mean-looking Trojan horse with what appear to be heavily armed soldiers rappelling down it — that speaks volumes, as much as the time and energy Steve Troy says he put into it.
“I came up with it myself and I’m rather proud of it,” he said, adding that there was much thought and imagination that went into the concept, which is both a play on his last name and a nod to modern weaponry and technology, as well as great attention to detail.
And the same can certainly be said for every other aspect of this venture, which Troy started with a $10,000 home equity loan, some mechanical ability but no formal training in that area (he said he built that house himself), and certainly no shortage of confidence as he went about designing and manufacturing improvements over what he saw and experienced first-hand when it came to weaponry.
Retelling the story, Troy said that he was already involved in a different kind of entrepreneurial venture with a colleague from his deployment in Kuwait when he started to conceptualize what would become Troy Industries. That business was called Basher Tactical, which he started with Matthew Picardi, now a lieutenant colonel in Homeland Security. It provided training seminars for police departments and federal agencies seeking to learn how to handle so-called “active-shooter disturbances,” such as the incidents at Columbine in 1999, Heath High School in West Paducah, Ky., in 1997, and Virginia Tech in 2007.
“We’d set training scenarios for between 100 and 150 students,” he explained, “where we had both a classroom session and an active portion where we actually seize control of a school; we’d teach the history of active shooters, and some theories on response, touch on motivation, and then do a training scenario in which they’d be responding, containing, and assaulting the situation.”
Eventually, Picardi would opt to continue his work in training, while Troy would launch his own venture, focused on small arms components and accessories, that started with some R&D and crude prototyping in his basement.
“While I was in Kuwait, I saw some shortfalls in the weapons they had,” said Troy, an expert marksman, “pistol master,” and trained sniper. “I decided that I could do better; I saw what was out there, and no one was really hitting it right on the head, so I developed a set of folding sights for a federal contract that I responded to and won for internally silenced rifles for tunnel fighting for homeland security.”
To date, the company has delivered more than 500,000 of these or similar sights, while also expanding the product catalog to more than 300 products. These items come with names — such as ‘battlerail,’ ‘prograde sling adapter,’ ‘low-profile gas block,’ ‘mash hook,’ ‘NAV stock’ (that’s the GPS device), and ‘Medieval flash suppressor,’ to name just a few — that mean little to those not versed in automatic or semi-automatic weapons, and some sell for just a few dollars each.
But together, this roster of products has become a very effective niche for the company, and for a number of area manufacturers as well; while Troy produces some of these components and accessories at its facilities on Capital Drive in West Springfield, a former U.S. Postal Service processing facility, many others are outsourced to a host of businesses, all within 10 miles of the Troy plant.
Most all the products now in the catalog have come to fruition though the same basic formula, if you will, that Troy employed with the folding sight that he started with: observing, listening, and learning, and then applying that data to improve upon products already on the market.
And it has obviously been a winning formula, based on Steve Troy’s ambitious sales projections, as well as the amount of expansion going on at the company’s facility. And if the growth has come quickly and steadily, it has also come quietly. Indeed, with the exception of those trade-industry magazine covers and stories — seen by a relatively small percentage of the population — Troy Industries has flown effectively under the radar, especially in this region.
“We’re probably the biggest company no one’s heard of,” said Troy, adding that BusinessWest’s look inside is the first provided to local media. Nationally? Well that’s a slightly different story; Troy has been starting to get some attention, he noted, adding that one of the Hollywood studios has expressed interest in doing a television segment on the company and recently asked for background information with which to start preliminary research.

Staying on Target
While giving a tour of his facility — which included stops at everything from the injection molding area to the procurement warehouse, complete with razor wire (security is ultra tight here) to a new employee-wellness center now taking shape in an area being built out on the second level of the 55,000-square-foot complex — Troy stopped to pick up one of the M4s that he and his engineering team designed from scratch.
Moving his hands quickly across the weapon, Troy pointed out several features that he thought made the gun stand out, from the sight to the hand rest, and reiterated his hope that at least some of these individual components will catch the attention of those who will eventually award the contract.
“We’re competing against 60 other companies, and from what we understand, we’re in the top of the competition,” he said. “What we think the Army will do is say, ‘we’d like to take the features on these various weapons and combine them’; we’re just trying to enable the government to see our accessories, which is our main line, and our enhancements, and maybe incorporate them into the rifle of the future for the military.
“Right now, basically only commando forces are using our products,” he continued. “They’re choosing them over the general-issue items, because we’re superior to everything that is issued in the Army, but we’re not mainstream, or general issue.”
While gunning hard for such broader customer bases, Steve Troy is focused on many other aspects of a rapidly evolving business plan.
Chief among is them is the expansion of his operations and manufacturing facilities, a definite work in progress being undertaken with expected further growth, diversification, and new-product development in mind. Indeed, as he showcased different areas of the business, Troy noted that many were at some level of transition to new and larger quarters.
One in particular is the engineering department; 10 people are currently crowded into cramped quarters that will soon be replaced by a much larger suite of offices on that second level.
Meanwhile, in addition to an ongoing push to increase the quantity of items in the colorful product catalog, there is also a greater stress on quality and efficiency. The company recently received ISO-9001 status — Troy proudly displayed the plaque — and is engaged in an organization-wide ‘lean’ initiative.
“Most people in our industry choose not to do this,” he said of ISO certification. “It’s not required in our industry, but as a growing company working toward being different and unique among the competition, I chose that as a way of strengthening our quality and our processes.
“With this rapid growth that we’ve had, we just haven’t had time to slow down,” he continued. “With many things, we’ve just thrown money at them; we’ve characteristically had a high scrap rate, rather than really getting into the problems that were scrapping parts.”
The stronger focus on lean will enable the company to continue its insistence on only sending out parts that meet the highest of standards — “the user is betting his life that the product will perform properly,” said Troy — while also reducing waste and therefore cost.
Part of the quality initiative is to continue to increase the amount of work done on-site, he continued. “We’re not looking to take all our production in-house, but we certainly want to have more involvement in especially our military product line,” Troy told BusinessWest. “Doing so will only help ensure quality.”
Marketing is another area in which the company is sharpening its focus. While it is still somewhat press shy (and that is changing), Troy is being aggressive with getting its name and product list known across the broad market in which it operates. Initiatives include everything from a large, high-tech trade booth display, taken to several dozen shows a year, to an interactive Web site designed, in large part, to tell the company’s story.
There is also ongoing work in research and development, much of it following intensive research, consultation with customers and potential customers, and lots of hard questions about what’s needed in the field.
“There are some incredible things that are happening around the world that we’re involved in,” he said. “We’re doing consultation for governments, as well as counter-terrorism training, consultation on product design and development for larger weapons manufacturers, and other work that I’m passionate about.”

Bullet Points
‘Passion’ was the word Troy used to also describe his work with the State Police, and explain why he is still a part-time CEO at the company he started.
“I guess it’s one of the ways I give back the community,” he said of his police work, adding quickly that he is at least thinking about retirement and devoting more time and energy to Troy Industries.
For now, though, his police uniform still hangs on a locker in his cramped office (he’s also due to get larger quarters through the renovation project), where the walls feature photos, citations, and assorted memorabilia from his days in the military.
Those experiences helped provide the spark for the largest company that most people have never heard of, but will probably know much more about soon, because it’s going great guns — and in more ways than one.

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

Agenda Departments

MassEcon Awards
Nov. 22: Massachusetts Gov. Deval Patrick will be the featured speaker at the eighth annual Team Massachusetts Economic Impact Awards Luncheon at the Seaport Hotel in Boston. Registration begins at 11 a.m., followed by networking at noon and a lunch with master of ceremonies Anthony Everett, co-anchor and reporter of WCVB-TV’s Chronicle. Honorees are: ‘Gold,’ A123 Systems, Central; Airxchange, Southeast; Communispace, Greater Boston; Kiva Systems, Northeast; and Smith & Wesson, West; ‘Silver,’ Acacia Communications, Central; Coca-Cola, West; Dassault Systemes, Greater Boston; Horizon Beverage, Southeast; and Jessica’s Brick Oven, Northeast; ‘Bronze,’ General Dynamics AIS, West; GT Advanced Technologies, Northeast; HubSpot, Greater Boston; Reinhart Food Service, Southeast; and Simonds International, Central. Those named Gateway City Champions are Biomedical Research Models, Worcester; and Solectria Renewables, Lawrence. Jerry Sargent, president of Citizens Bank, will receive the Chairman’s Award. For information on tickets and sponsorships, contact Sean Getchell at (781) 489-6262, ext. 13.

Forum Welcomes Chris Matthews
Dec. 1: The Springfield Public Forum series will host Hardball host Chris Matthews at 7:30 p.m. at Springfield Symphony Hall. Matthews will present “JFK and the Presidency, Past and Present.” The lecture is free to the public; no reservations are required. For more information, visit www.springfieldpublicforum.org.

Anthropologist Lecture
Feb. 22: Susan Darlington, a professor at Hampshire College, will discuss her latest book, The Ordination of a Tree: the Thai Buddhist Environmental Movement, as part of the Ovations series at Springfield Technical Community College. Darlington has studied the work of Buddhist monks in Thailand who are engaged in rural development and environmental conservation. The science-based talks, at 10:10 a.m. and 11:15 a.m. in Scibelli Hall Theater, will also include insights into religion and social activism. The presentations are free and open to the public. For more information, call (413) 755-4233.

Author Lecture
March 28: Internationally acclaimed author Tom Perrotta will read from his upcoming novel, The Leftovers, at 10:10 a.m. and 11:15 a.m. in Scibelli Hall Theater, as part of the Ovations series at Springfield Technical Community College. The talks are free and open to the public. Two of Perrotta’s books, Election and Little Children, have been made into movies, and five novels have been national bestsellers. For more information, call (413) 755-4233.

Slam Poet Lecture
April 13: Taylor Mali, a former high-school teacher who has emerged from the slam poetry movement as one of its leaders, will discuss his performances at 10:10 a.m. and 11:15 a.m. in Scibelli Hall Theater, as part of the Ovations series at Springfield Technical Community College. The talks are free and open to the public. For more information, call (413) 755-4233.

Briefcase Departments

Ameristar Casinos Announces Agreement to Purchase Former Westinghouse Site
LAS VEGAS — In anticipation of the legalization of casino gaming in Massachusetts, Ameristar Casinos Inc. (NASDAQ-GS: ASCA) announced last week it has entered into a definitive agreement to purchase land in Springfield, Mass., with the intent to apply for the sole casino license for Western Mass. and, if awarded, build a luxury hotel and entertainment resort. “This is a great opportunity for Ameristar to build on a one-of-a-kind site within the city limits of Springfield, a city that would greatly benefit from an economic development project of this magnitude,” said Gordon Kanofsky, Ameristar’s CEO. “There are not many attractive new-market growth opportunities for casino companies, and this one in particular fits squarely within the Ameristar business model as an upscale regional destination casino operator.” Ameristar has agreed to purchase the 41-acre site at Page Boulevard and Interstate 291 (the former Westinghouse complex) for $16 million from an affiliate of the O’Connell Development Group Inc., which had anticipated a large-scale retail project on the site. Since Westinghouse vacated the property in 1970, it had been utilized for light industrial purposes, but more recently had been vacant. The buildings on the site are being razed, and the property will be delivered to Ameristar substantially ready for construction. Ameristar’s development plans are preliminary but are expected to include a state-of-the-art casino continuously updated with the newest and most popular slot machines and a variety of table games, a luxury hotel, a diverse offering of dining venues, retail outlets, entertainment and meeting space, and structured parking. “As with all of our other properties, we look forward to partnering with the city and community to ensure our project visually complements the surrounding neighborhood and suitable street improvements are made to accommodate increased traffic in the area,” said Kanofsky. Subject to the satisfactory completion of Ameristar’s due diligence, the closing of the purchase is expected to occur in January 2012. Ameristar Casinos  has eight casino hotel properties primarily serving guests from Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Mississippi, Missouri, Nebraska and Nevada.

Poll: Palmer Resort Casino Favored Over Springfield Venue
WILBRAHAM — By a margin of 61.4% to 42.5%, residents of four Western Massachusetts counties who have visited a casino during the past two years would prefer visiting a Palmer destination resort casino over a Springfield venue, should gaming become legalized. Market Street Research of Northampton conducted the survey from Oct. 20-26. The survey included 350 residents of the four counties with a margin of error between 3.1% and 5.2%, according to Julie Pokela, principle of Market Street Research. “We interviewed those who have visited a casino, and who don’t live in either Palmer or Springfield, determining preference in Western Massachusetts between a possible Palmer or Springfield resort casino,” said Pokela. The survey also found that a large majority of residents of Berkshire, Franklin, Hampden, and Hampshire, 75.8%, have visited a resort casino, while 23.9% have never visited a casino. Of those who have visited a casino during the past two years, nearly half, 48.5%, have visited two or more times. The Mohegan Sun has proposed a resort casino for Palmer on 152 acres of land owned by The Northeast Group, and Penn Gaming recently announced interest in a Springfield casino venue. “One of the considerations was to determine if the public prefers venues ‘in the woods’ such as Mohegan Sun and Foxwoods or in urban areas such as Springfield,” said Paul Robbins, public relations consultant to Northeast. “The survey was designed to determine preference among those in Western Mass. who are located within an hour’s drive of both Palmer and Springfield.”

October Employment “Stable”
WASHINGTON — The nation’s labor market posted stable growth in October, according to Secretary of Labor Hilda L. Solis. “The economy added 104,000 private sector jobs last month, and we also added 102,000 more jobs than had previously been reported in August and September,” said Solis in a statement. The unemployment rate dropped to 9%, its lowest level in six months. “The number of long-term unemployed — defined as Americans out of work for 27 weeks or more — fell by 366,000 in October, the biggest drop since 1948,” she said. Additionally, the jobless rate for African-Americans dropped a percentage point to 15.1%, its lowest level since August 2009. “We’ve now created 2.8 million jobs over 20 consecutive months of private sector growth, including more than 1 million jobs this year alone,” she said. GDP growth in the third quarter was 2.5% — the fastest rate in more than a year and nearly twice that of the previous quarter. Businesses reported significantly fewer layoffs in October. Consumer and business spending are both up, reflecting Americans’ increased confidence in our recovery progress. “Unfortunately, we continue to see job losses in government and construction, both areas where passage of the American Jobs Act would have a direct and immediate effect on job creation,” said Solis. Overall, non-farm payroll added 80,000 jobs in October, reflecting the loss of 24,000 government jobs and 20,000 jobs in construction. “The policies this administration has pursued have added jobs back into the economy, but the pace of our recovery continues to be influenced by the failure of Congress to pass legislation to put Americans back to work,” she said. In the week ending Oct. 29, the advance figure for seasonally adjusted initial claims was 397,000, a decrease of 9,000 from the previous week’s revised figure of 406,000. The total number of people claiming benefits in all programs for the week ending Oct. 15 was 6,781,960, an increase of 103,117 from the previous week. Extended benefits were available in Alabama, California, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Washington, West Virginia, and Wisconsin during the week ending Oct. 15.

Census: Re-Emergence of Concentrated Poverty in Local Cities
SPRINGFIELD — As the first decade of the 2000s drew to a close, the two downturns that bookended the period, combined with slow job growth between, clearly took their toll on the nation’s less fortunate residents, according to a new report, The Re-Emergence of Concentrated Poverty: Metropolitan Trends in the 2000s, by the Brookings Metropolitan Policy Program. Over a 10-year span, the country saw the poor population grow by 12.3 million, driving the total number of Americans in poverty to a historic high of 46.2 million. By the end of the decade, more than 15% of the nation’s population lived below the federal poverty line — $22,314 for a family of four in 2010 — though these increases did not occur evenly throughout the country. An analysis of data on neighborhood poverty from the 2005-09 American Community Surveys and Census 2000 reveals that: After declining in the 1990s, the population in extreme-poverty neighborhoods — where at least 40% of individuals live below the poverty line — rose by one-third from 2000 to 2005-09. By the end of the period, 10.5% of poor people nationwide lived in such neighborhoods, up from 9.1% in 2000, but still well below the 14.1% rate in 1990. For the Springfield metropolitan area, which includes Holyoke, a total population of 520,801 included 58,565 classified as “poor” while 16,311 were classified as “poor in extreme poverty.” The extreme poverty areas in Springfield cited in the report included the neighborhoods of Brightwood, Memorial Square, McKnight, Old Hill, Six Corners, Lower Liberty Heights and the South End. In Holyoke, tracts considered in extreme poverty were bordered by Interstate 391, Beech Street and the Connecticut River. Local officials have cited the weak economy and job losses as reasons for these extreme poverty neighborhoods. The report noted that in the past decade, the Springfield Metropolitan Area has seen a 2% increase in concentrated poverty neighborhoods.

Features

In August, BusinessWest presented its 2011-2012 Resource Guide. What follows are needed additions and corrections to the charts that appeared in that issue:

Addition to Accounting Firms:
Pignatare & Sagan, LLC
1098 Elm St., West Springfield, MA 01089
(413) 746-9465; www.pignatareandsagan.com
Number of CPAs: 4
Number of Partners: 2
Total Staff: 18
Offices: 2
Managing Partner: Charles Sagan
Specialties: Certified public accountants; enrolled agents; tax planning and tax-return preparation; personal and business consulting; personal financial planning; retirement planning; business purchase, sale, and financing; financial-statement preparation; computerized accounting and bookkeeping; incorporating a business

Addition to Audio-Visual/Multimedia:
New York Sound and Motion
181 Doty Circle, West Springfield, MA 01089
(413) 734-3456; Fax: (413) 734-3457
www.nysmtv.com
Services: Full-service video production company; all forms of digital and audio media; specializes in high-definition production as well as post-production in two AVID suites; provides solutions to nonprofits, educational organizations, small-business owners, and others
Contact: Edward Brown III

Addition to Banquet Facilities:
Marriott Courtyard Hadley Amherst
423 Russell St., Hadley, MA 01035
(413) 362-8405; Fax: (413) 256-5422
www.marriott.com
Capacity: 200
Contact: Sean Welch
Services: Offers 2,880 square feet of meeting space; can accommodate meetings from two to 200 people; full catering capabilities on property

Change to Computer Network/IT Services:
Squad 16
16A Pasco Dr., East Windsor, CT 06088
(860) 758-7250; www.squad16.com

Additions to Financial Services/Brokerage Firms:
First Niagara Private Client Services
225 Park Avenue, 4th Floor, West Springfield, MA 01089
(413) 747-1465; www.fnfg.com
Licensed Brokers in Western Mass.: 4
Branch Manager: Michelle Hagan
Services: Full-service wealth, investment, and fiduciary services

New England Financial Group, LLC
17 North Main St., West Hartford, CT 06107
(860) 521-2250; Fax: (860) 521-2214; www.nefghartford.com
Licensed Brokers in Western Mass.: 15
Branch Manager: James Marlor Jr.
Services: Family protection; wealth accumulation and distribution strategies; business-continuation planning; tax-qualified retirement plans; employee benefit plans; executive benefit plans

Change to Financial Services/Brokerage Firms:
Charter Oak Insurance & Financial Services Co.
Licensed Brokers in Western Mass.: 80
Services: Personal and life insurance; employee benefits; investments

Change to Insurance Agencies:
Berkshire Insurance Group
66 West St., Pittsfield, MA 01201
(Local offices in Dalton, Greenfield, Great Barrington, Longmeadow, Pittsfield, Shelburne Falls, South Deerfield, Stockbridge, and Westfield)
(866) 636-0244; Fax: (413) 447-1977
www.berkshireinsurancegroup.com
Full-time Agents: 70
Full-time Employees: 80
Offices (Locally):  10
Type of Insurance:  Commercial, Personal, Life, Employee Benefits
Top Local Officers: James Herrick, Vice President, Personal Lines; Steven Cronin, Vice President, Commercial Lines

Change to Largest Employers and Largest Manufacturers:
Lenox Industrial Tools
Top Local Officer: Rich Wuerthele

Addition to Largest Manufacturers:
MicroTek Inc.
36 Justin Dr., Chicopee, MA 01022
(413) 593-1025
www.microtek-cables.com
Total Employees: 120
Top Local Officer: Anne Paradis
Business: Custom cable assemblies and wire harnesses; control panels and boxes

DBA Certificates Departments

The following Business Certificates and Trade Names were issued or renewed during the month of November 2011.

AGAWAM

Grooming with Jenna & Matt
1325 Springfield St.
Jenna Scully

M.J.D. Renovations
55 Highland St.
Michael Drisdelle

Nanny’s House
67 Monroe St.
Choan Hermans

Scentational Marketing
350 Meadow St.
David J. Girard

Swift Roofing
71 High St.
Josh Swift

CHICOPEE

Blue Marble Carpet and Upholstery Cleaning
16 Amherst St.
Julie M. Murphy

Kelly Liberty Photography
47 Abbey St.
Kelly Liberty

Martinelli, Martini, and Gallagher Real Estate
1643 Memorial Dr.
Paul R. Gallagher

Transformations
12 Center St.
George Walden-Baez

GREENFIELD

Cherry Rum Laundry
343 Federal St.
Jung Yu

C.L. Keniston Home  & Yard Improvement
259 Log Plain Road
Carl A. Keniston

Hair by Lindsey
41 Bank Row
Lindsey Gilbert

Mattress Outlet
142 Main St.
Harry Foster Jr.

Roberto’s Pizzeria
80 Federal St.
Rhina Naranjo

The GRC Inc.
12 Lakeview Dr.
Peter L. Kramer

Yankee Realty
74 Mohawk Trail
Cheryl A. Ingersoll

HADLEY

Kentucky Fried Chicken
3 South Maple St.
Michael Houston

M. Jolly Trucking
45 Knightly Road
Matt Jolly

HOLYOKE

Amedeo’s Restaurant & Pizzeria
8 North Bridge St.
Antonio DiBenedetto

Apple Inc.
50 Holyoke St.
Terry Ryan

C & J PC Repairs
98 Suffolk St.
Yelfry Torres

James W. McCann
1353 Dwight St.
James W. McCann

Lindo Landscaping & Construction
227 Pine St.
Felix Rodriguez

Rayzor Sharp Images
118 Maple St.
Raymond Rodriguez

Sporting Change Inc.
50 Holyoke St.
Rick Gileau

The Whole Donut
187 South St.
Jagdish Patel

Vivian’s Craft & Art
254 Maple St.
Vivian Feliciano

Zee Convenience Store
132 High St.
Mohamed Nagooradumai

LUDLOW

Affiliated Construction Services
123 Center St.
Craig Orn

Balance Professional
77 East St.
Lori Miller

Hair West Services
322 West Ave.
Christine Percy

Ludlow Golden Seniors Club
37 Chestnut St.
Francis Krzanik

NORTHAMPTON

Comfort Heating & Cooling
7 Hinckles St.
Dale R. Simmons

KBH Enterprises
183 Main St.
Karin I. Muller

Misty River Ballooning
82 Bliss St.
Donald A. LaFountain

Mobile Design Lab
38 Henry St.
Lisa Depiano

My Garage
109 Bridge St.
Diane Todrin

Qi Internetics
241 King St.
John Zebrun

River of Grace Yoga
176 Crescent St.
Carole Bell

SOUTHWICK

Killiney Floor
1 Lexington Circle
Erick Serna

M.M. Automotive Repair
39 West Road
Michael Massai II

SPRINGFIELD

Premier Lifestyle
148 Jamestown Dr.
Kyle Griffith

Primo Ticket Sales
1113 Main St.
Jose M. Santiago

Resources and People
29 Ridgecrest St.
Elizabeth Hogan

Ruth Sweet Tooth Booth
125 College St.
Sherrie A. Burrell

S & B Motors
1608 State St.
Jorge L. Ortiz

Saludy Vida Hoy II
2660 Main St.
Blanca Nieves

Sandra’s Accessories
318 St. James Ave.
Diana C. Alsina

Smily’s Spot
471 Boston Road
Fazul U. Rehman

Smith’s Landscaping
25 Foxwood Dr.
Gary Smith

Surgery Center of New England
55 St. George Road
Wendel M. Wainner

Valdes Construction
52 Loring St.
Victor Valdes

Vinh Chau Restaurant
409 Dickinson St.
Phuong Nguyen

Walther America
2100 Roosevelt Ave.
John Dineen

Windowshopshop.com
170 Main St.
Michael Opeyemi

WESTFIELD

Antique Cars
21 Charles St.
Ivanov Kostyantyn

Dave’s Auto Sales
256 Union St.
David Allen

G4 Graphics
1 Arch Road
Justin Glaze

Lilley Pro Cleaner
4 Linda Dr.
Cindy Locklear

WEST SPRINGFIELD

Bertucci’s Brick Oven Ristorante
847 Riverdale St.
Bertucci’s Restaurant Corp.

C.M. Jenkins Property Service
59 Verdugo St.
Corey M. Jenkins

Firestone Tire & Service Center
501 Memorial Ave.
BFS Retail and Commercial Operations Inc.

Friendly Hair Salon
553 Union St.
Tatyana Yermakov

Rite Aid
99 Westfield St.
Matthew Schroeder

Shri Ghanshyam Subway LLC
356 Memorial Ave.
Navin Patel

Sky’s the Limit
257 Cold Spring Ave.
Patrick S. Brown

S.T.A.N.
791 Piper Road
Stanley J. Zalewski

The Packing House
1434 Memorial Ave.
Howard A. Goldberg

Verizon Wireless
1123 Riverdale St.
Cellco Partnership

Whiting Appraisals
112 Partridge Lane
Debra Whiting