2
HEPPNER GAZETTE
THE W
GAZETTE-TIMES
Heppner. Oregon 97836
Phone 676-9228
MORROW COUNTY'S NEWSPAPER
The Heppner Ga2ette established March 30, 1SS3. The Hoppner
Times established November IS. 1S97. Consolidated February 15,
1912.
NEWSFAMt
USHIIt
SOCIATION
WESLET A. SHERMAN
HELEN E, SHERMAN
ROD (SPIKE) PARDEE
Advertising Manager
Photographer
MARION ABRAMS
Society
Circulation
JIM SHERMAN
Pressman
Office Hours: 8 a.m. to 6 p.m., Monday through Friday; 9 am
until noon Saturday.
Subscription Rates: $450 Year. Single Copy 10 Cents. Published
Everv Thursday and Entered at the Post Office at Heppner, Oregon,
as Second Class Matter.
Join Kids in Clean-up!
Once again Heppner High school students are showing
adults the way!
They are going to be out In force Friday afternoon to
participate in a citywide clean-up, and the town will sparkle
when they are through.
They Invite the public at large to get out trash and de
bris for them to pick up on curbs. This is a fine gesture and
should motivate many to clean vacant lots, take debris out
of their yards and garages, and take other steps to be In the
swing of spring.
After all, it isn't every day that someone offers to cart
your trash away for nothing. With this offer by the students,
the adult population should fall to with enthusiasm, demon
strate pride in the home town, and give it a fresh look.
City crews are already at work sweeping streets and doing
their part Everyone pitch in so we can show what a nice
clean place Heppner is.
Sales Tax Collection Costs
The small retailer in Oregon, without much organization
to act as a collective voice, tends to suffer in silence when
he is in an economic pinch. He has no lobby in the legislat
ure, and he has no legislative counsel nor public relations
representative to wave the banner for his cause.
With a sales tax vote looming, though, he is probably
aware of some of the problems he faces if the tax should
be approved, and he probably will be inclined to cast his
vote against it. Consumers who buy his goods should also be
aware of some of the implications that they will face.
The state will have to set up a rather expensive system
for its collection of the sales tax, which Is only part of the
cost involved. Let's look at the costs that the retailer will
te required to pay.
The Association of Oregon Industries has made a rather
detailed study of these costs. It quotes a study made in
Ohio by -Ohio State University showing that retailers' cost
of collecting sales taxes varies from 1.23 of the amount col
lected for department stores to 10.77 for food 'stores.
Food stores have a particular burden where food and drug
items are exempt in the sales tax for the simple reason that,
while many food items are not taxed, dozens of items stock
ed in markets are taxed.
For instance, when a woman brings a cart to the check
stand she may have sugar, cake mix, canned goods, soap,
candy bars, paper towels, a paring knife, a loaf of bread
and some chewing gum in the cart. The clerK has to figure
out which are taxed and which are not. The candy bars
would not be taxed, nor would the towels, the knife or the
gum, and probably not the soap. But can you Imagine the
confusion this would entail and the time it would consume
in deciding?
Among the costs that AOI lists, which the retailer must
pay, are: Costs for sales clerk to process tax transactions on
the sales floor; supervisor assistance including special hand
ling of customers with special exemption problems; costs of
training clerks in sales tax procedures: accounting costs In
computing taxes, accumulating data required for returns, re
cording exemption data and preparing returns; costs of tax
audits, special printing, special equipment costs and other
items.
The report points out that one major chain has estimated
it will cost $280,000 merely to adjust all its cash registers to
record the sales tax. Many retailers would have to purchase
new machines or convert old ones.
Suppose a store has a gross volume of $100,000 on tax
able items per year (and this would be a small one). If the
sales tax were 3, the total for the year would be $3,000. If
costs to collect it were 10, that store would have to pay
$300 additional. This means an extra sales tax cost to the
owner of this business. Bear in mind that he also pays 3
on all the consumer items he buys himself.
Other things to consider on how the sales tax might af
fect the retailer, as pointed out by the AOI:
New products of a borderline nature may be considered
exempt by the retailer, who may later find he Is expected
to pay taxes on them which he did not collect.
Line of demarcation between "meal" and "food" is par
ticularly troublesome, particularly as sold by drive-ins. Al
so confusing are ready-to-eat items sold in delicatessens and
many supermarkets and the taxable status of dietary meals.
Many retailers would find it difficult to maintain correct
records of sales of taxable and exempt food commodities.
Because et a tendency to overstate the exemption, they would
lose sales tax revenue.
Now, the state bill may provide some reimbursement on
collection costs. The House proposal was to allow retailers
reimbursement for their collection costs in the form of 1
discount on their first $500,000 of tax collected per year.
Thus, if a retailer had sales of $100,000, he would collect
$3,000 in taxes, and his discount of 1H would allow him
to retain $45.
This would help, but in most instances it would not
come close to covering the cost to the retailer.
The AOI points out that "breakage" within the tax brack
ets is sometimes miscontrued in trying to show that retailers
"make money" on sales taxes because the tax on sales under
$1 does not always represent true 3.
"Such arguments fail to recognize that the retailer is
liable for 3 on all sales, even on those below the effective
taxable rate," the AOI report states. "For example, if he
sells hundreds of items at 10c apiece, he would owe the
state 3 on these sales even though he collected no tax. And,
while the penny tax on a 15c item is substantially over 3,
it is equally true that the penny tax on a 42c item would
be significantly below 3. A retailer selling a majority of
42c items, or a majority of items priced over $1 but below
the effective 4c tax rate ($1.14 in proposed Oregon law)
would not collect the true 3 necessary to cover his liabil
ity." Many small retailers are Just not in a position to cope
with the nuisance and costs with which a sales tax would
burden them. It would seem that their only "out" would be
to raise price of merchandise enough to protect them, so the
consumer might be faced with not only paying the tax but
a price hike, too.
- TIMES. Thursday. Mar 18. 1967
HEPPNER
NATIONAL NEWSPAPER
Q Asc8T,7N
EDITOR AND PUBLISHER
ASSOCIATE PUBLISHER
ARNOLD RAYMOND
Shop Foreman
Printer
REGGIE PASCAL
Linotype Operator
RANDY STTLLMAN
Apprentice
Chaff and
Wes Sherman
RESIGNATION of Pave Potter
as school superinten dent
leaves a big spot to fill in the
county school system. During
the past three vears he has
worked unceasingly (or the Rood
of the district and for the edu
cation of children here.
It has been a strenuous time,
with the controversy and prob
lems on the Riverside school
and other Important issues fac
ine the district. But during Supt.
Potter's relatively short time
here, fine strides have been
made in the district so that the
post -consolidation turmoil has
tempered, communities are
working together and schools
are evidencing excellent educa
tional programs.
During the time Potter has
been in the county, the district
budget has never failed to pass
at its first presentation to the
public. This is a credit to his
sound Judgment as well as to
the budget committees and the
district directors.
This paper has appreciated
Dave Potter's fine cooperation.
He has never evaded a ques
tion, never sought to suppress
any Information, and has gone
out of his way to get Informa
tion to the public. This has
made our community public re
lations task much easier.
We have admired the way he
continued his arduous duties,
with the great amount of trav
eling and the many meetings to
be attended, when he was beset
with the health problem that he
has.
As he prepares to leave her
a few months hence, we express
the best wishes of the Morrow
county community he has serv
ed. The foremost hope is that
he regains full and comDlete
health.
Morrow county schools are
much the better because Dave
Potter served them for three
years.
ONE HAWKEYE camera is cith-
er back to its Portland owner
or on the way. And so, a mi
nor diplomatic problem of the
Eighth Grade tour is brought to
a happy conclusion. As report
ed last week, one of the touring
8th graders lost his dad's cam
era on the tour and was feeling
kind of low about it when he
headed for home.
He thought he left it on the
bus (in fact, was sure) of it
when the tpur was at the Lind
say place.
But Mrs. Pat (Karen) Cuts
forth called after the paper was
out last week to report that her
children had found a camera at
the end of the airstrip at the
Cutsforth place. This apparent
ly was the 8th grader's camera.
Karen had read about it in
Chaff and Chatter.
So now, with only a strap
broken and otherwise undam
aged, the camera has gone back
to the Matt Hughes', the u
couple, and they have sent It
back to Portland.
HERE'S SOMETHING you Just
have to know:
About one out of eight Amer
icans snore.
This means something like 25
million snorers, women as of
ten as men.
The assorted hisses, gurgles,
buzzes, snorts and raspings of
the snoring nuisance hold the
seeds for the ruination of an
ostensibly happy marri a g e,"
says the American Medical As
sociation. "Many married coup
les find it necessary to set up
a schedule wherein one spouse
tries to precede the other in
sleep. Other couples proceed to
separate rooms and possibly ev
en the divorce courts."
The news release suggests
that if there is a chronic snorer
in your family, he should go to
the family physician. But it
doesn't seem very confident
about helping because it winds
up, "If your doctor cannot help,
the listener can wear earplugs,
when everything else fails."
The thing we can't under
stand is why some genius has
not recorded these various hiss
es, gurgles, buzzes, snorts and
raspings and combine them in
some discordant symphony. At
this time of surrealist paintings,
beatnik music and aboriginal
dances, a guy ought to be able
to sell a million records of the
result
WHEN ALEXANDER Graham
Bell patented his first crude
telephone in 1876, he really
started something. Now 91
years later the 100,000,000th
telephone has been installed in
the United States.
Pacific Northwest Bell sends
along this bit of information to
commemorate the event locally:
"The Heppner exchange was
established in August, 1898. In
November, 1952, when the 50
millionth telephone was being
installed somewhere in the
United States, there were 639
telephones in Heppner. At the
same time, there were some 490,
400 phones in Oregon.
While the 100,000,000th tele
phone was being connected this
month, the total count of phones
in Heppner was approaching
1,000. The total number of
phones in Oregon at the pres
ent time (PNB plus Independ
ent) is about 960,000."
And, do you know that the
present G-T office was formerly
the telephone exchange in
Heppner? (Say, maybe that's
why we keep hearing bells all
day long when we get rum-dum
on press day!).
THE PHONE RANG the other
day, and it was John Buchner,
editor of the La Grande Observer.
Chatter
"We're hiring your basketball
coach." he said, "and we want
ed to get a little more Informa
tion about him."
This took us a bit aback be
cause no one asked Heppner
Ites if he could take our Coach
dough.
"Yes," said John. "Ills name
is Pasco Arrltola, isn't It?"
Then we saw the light and
breathed easier.
We told John he somehow had
gotten the Shermans who run
the paper In Morrow county
mixed up with Moro In Sher
man county, and that Pasco Ar
rltola was coach at Sherman
county high.
Bob Clough came In shortly af
ter and grinned when we told
h.m. "No, you can't get rid of
me that easy." he said.
We felt good about that.
TO THE
EDITOR.
For No New Taxes
To the Editor:
Should Oregon pass the sales
tax proposal which originated
with the Republicans In the
House of Representatives? Will
w provide tax relief bv raising
taxes $250 million dollars net
for the upcoming two year state
budget period?
Should we tax consumers to
provide relief to all property
owners.
Summaries of the various tax
"plans" vary from: (1) the no-new-tax
position, which I fa
vor, (2) through Governor Mc-
Call's plan to raise less than
590 million (3) to the high-tax
House plan to raise $250 mil
lion plus millions of dollars
more to pay the added cost of
collecting this new tax.
In 1963 65 our state general
fund budget was $368 million.
Just four years later 1967-69
we can spend, without new tax
es $5S0 million under the re
vised revenue estimates (Gover
nor Hatfield estimated that $610
million would bo available last
December.)
With this kind of increase In
existing revenues, and with on
ly $30 to $40 million reduction
in the increase in revenue esti
mates what is the purpose of
a $250 million increase? The
answer is to shift taxes from one
group to another, not to reduce
taxes.
And schools are to take the
blame i for this stupendous tax
Increase, raising jieaily as much
new tax money us all Oregon
ians currently pay to the state
as personal income taxes. What
an irony that would be. Back in
the '63-65 budget we gave about
35 of our total state general
rund "pie" to basic school sup
port. But now, with the gener
al fund revenue greatly increas
ed, the Republican-controlled
Ways and Means Committee pro
poses to put only 27 of the
state's current revenue into ba
sic school support.
Since schools create the de
mand for much more than half
of the property taxes statewide,
this legislature's withholding of
available funds increases prop
erty taxes and invites defeat of
local school elections.
In addition the gross proper
ty tax relief which the average
consumer would provide by the
3 sales tax to the 10 highest
property taxpayers In your
county and the 14 largest in the
state are shown by the tables
enclosed.
It seems to me that the school
children of Oregon are being
held hostage and the ransom is
a $250 million unneeded sales
tax.
Great increases In basic
school support could be made
without new taxes and without
starving existing programs. Or
$100 of property tax relief could
be given to each homeowner in
Oregon.
Either of these or a combina
tion of the best features of both
could be done without new tax
es. Edward N. Fadely, Eugene
State Senator
For Senate Bill 536
To the Editor:
The citizens of Oregon, hund
reds of thousands of whom are
customers of First National
Bank of Oregon, should be ap
prised of the facts about Bank
Amerieard. Recently published
criticism of the BankAmericard
system paints an unfair picture.
We studied various credit
cards for more than seven years
before deciding that First Na
tional should and could offer a
program. We felt that the peo
ple of Oregon wanted this new
service.
The facts support our decis
ion. Of First National's 200,000
card holders, more than 45,000
have used their cards to purch
ase more than $5,000,000 worth
of goods and services from Ore
gon businesses. Merchants In
the state have benefited by an
additional $500,000 from out-of-state
cardholders.
The average payment by mer
chants is between 3 and 3.5 per
cent of the gross amount
charged on BankAmericard. Un
der the credit card program,
however, the merchant elimin
ates the costs of maintaining a
credit department. The bank
pays for credit investigations,
handling and billing, collec
tions and credit losses. In ad
dition, the merchant receives
Immediate cash from the bank,
What's New . . .
From Salem
By REP. IRVIN MANN, JR.
The Senate Taxation Commit ,
toe lias worked Mcadilv for sev- i
oral weeks oil Hie proposed ,
property tax limitation mea-ine
and a sales tax to fund that
limitation.
My peisonal eotuvvn with tin'
activities of the Senate and I
think that I am not alone with
this concern, among the met"
hers of the House -Is that the
Senate will change the rigid
property tax limitations Impos
ed bv HJR 3. If this Is done, 1
feel that property tax relief will
be Impaired, and we may not
be Justified In passing any kind
of a tax bill for additional rev
enue in this session.
At the same time, tl these
property tax limits are not lm
posed and a tax Is not adopted
to fund the local governments
from the state level at this ses
sion, I am convinced that It will
result In the Governor's being
absolutely required to call a
special session.
I think that probably the
most far-reaching bill that we
have considered outside of the
area of property tax limitation
and taxation Is the constitution
al revision bill which is now
being considered by a House
and Senate conference commit
tee. I have Indicated In earlier
columns that I think this Is a
very good bill with the excep
tion of Its ruling out the elec
tion of the State Treasurer and
consequent destruction of the
Board of Control.
The House has passed a bill
allowing teachers and other
public employees to participate
in politics and has passed a bill
to allow annual legislative ses
sions and to have single-member
legislative districts.
The House has rejected a res
olutlon which would have dir
ected the Board of Higher Edu
cation to "re evaluate" It pol
icies concerning the speakers
that It has on Its campuses.
The House has again defeat
ed by a vote of 30 to 26 a bill
that would extend tenure to
teachers in small school dis
tricts. Presently, tenure is grant
ed only to teachers In districts
with an average dally enroll
ment of 4500. The house pass
ed Saturday, April 20, In the
first Saturday session of this
session, a "truth In taxing bill'
which provides that the proper
ty tax statement which property
owners receive will state the
valuation of the property In
terms of dollars and cents and
In terms of true cash value and
that the levy on that true cash
value be stated In terms of dol
lars and cents per thousand dol
lars of true cash value.
I think that this could well
be one of the very best bills that
this session has passed because
the property tax statements are
difficult for even the Initiated
to understand and are impossi
ble for the uninitiated to under
stand. This bill should lead to
a rule of common sense -In the
field of property taxation.
thereby reducing the amount of
working capital required in the
conduct of his business.
Many of the 5,000 merchants
who have Joined our program
are now able, for the first time,
to offer credit to their custom
ers, and others have reported
that the BankAmericard charge
is close to one-third less than
the cost of operating their own
credit departments. As a result,
the smaller merchants through
out the state may now compete
for credit business on terms
identical with those offered by
department stores In metropoli
tan areas.
Cardholders also benefit from
the plan: there is no fee for
the card, there is no service
charge If payments are made
within 25 days of billing (this
could mean almost two months
without any charge or pay
ment), and only one check
needs to be written to cover
what normally would be many
accounts, mere are about 10.-
000 businesses which honor the
card in Oregon and many more
tnousanos tnroughout the na
tion, and if the cardholder de
sires to repay on a deferred pay
ment pian, tne Dank cnarge is
identical with that offered by
merchants providing similar
credit arrangements.
Senate Bill 536. as amended.
will apply only to transactions
involving goods and services. It
authorizes a charge of 1V4 per
cent a month on the amount
deferred for payment through
monthly installments. Charges
for cash advances under the
credit card would comply with
existing laws applicable to
banks.
The bill is intended to elim
inate discrimination against
Oregon banks by authorizing
charges identical with those of
fered by department stores In
Oregon and by the vast major
ity of credit cards now in use
throughout the United States.
It will be many months be
fore our BankAmericard pro
gram can be expected to be
profitable and a still greater
period of time before the start
up costs will be recovered
through normal profits. Ob
viously, the service can be con
tinued on a permanent basis on
ly If it offers the opportunity for
profitable operations.
We believe the merchants
and consumers of the state are
In favor of the BankAmericard
program and we urge support
of Senate BUI 536 in its amen
ded form.
Ralph J. Voss. President
First National Bank of
Oregon
Salem Scene
Solo Tax Vol
Seen Mors Llkoly
Public dlsappioval of some
Mfiulli "' mIiooI budget
mound the Mat"' recently U
helnc iea.1 bete a -till another
sli'ii that till- legislature must
offer cllUenx an opportunity to
vote on a lax measure that
would afford suliMaiiiiai rem
property tax relief
"The people have cnipltatlcal-
. . 1 a,. .. .....I .r.lll.lHv t11.
IV Milieu inni i""i---
es cannot continue to support'
duality education." says Sen.
llairv Bolvin tt K Kails I. He Is
chairman of the Senate Taxa
tion Committee, which current
ly Is giving every detail of the
House passed sales tax propos
nl microscopic attention.
In that I'lll rests much ho(w
that lawmakers will give Ore
gonlans the chance to vote sub
Manila! proertv tax relief. It
Is the major bill In a nix point
tax reform package passed late
In March bv the House; It would
refer a three per cent retail
sales tux measure to the people
and lake the hea t off local
budgets by pouring resulting
revenue Into school support.
Some 70 cr cent of prt-iwrty
tax dollars now supimrt schools.
It Is estimated that the prov
ed sales lax and related bills
passed bv the House would re
duce property taxes bv about 30
per cent.
Sen. Bolvin predicts voters
will get the chance to vote on
some alternative means of pay
ing local government costs. He
would prefer to present to the
Senate a sales tax which would
lower Income taxes too, but
there Is some question as to
whether there will 1 sufficient
revenue.
"Nobody has come up with a
better Idea yet," says the veter
an Senate leader. 'The only
other alternative that would
raise euuogh revenue for sub
stantial property tax relief
would be a net receipts tax, but
then there would be no bene
fit from tourists."
A net receipts tax Is basically
one which would make Income
subject to state taxation from
the first dollar earned. A bill
containing some features of
such a tax was referred to the
people and voted down In 19U3.
Oregnnlnns have not voted on
a stale sales tax since 11M7.
As the Senate Taxation Coin
mittce enters Its second month
of study on the sales tax mens
tire, observers here are Impress
ed b the painstaking rare
being shown on every detail. It
Is modeled after the' California
law, and the printed bill as ap
proved bv the House runs 'J5
pages long.
After holding public hearings,
the committee met with Edward
Stetson, head of the department
which administers California's
long time sales tax. For three
days, they went through Ore
gon's proposed law section by
section, coming up with some
40 ureas calling for policy de
cisions and possible amend
ments. Sen. Bolvin says he hopes nil
policy decisions ean be reached
this week. His committee has
begun Intensive study with the
State Tax Commission, legisla
tive counsel and George Anneln,
committee tax consultant from
Oregon Tax Research, In order
to boll down controversial fea
tures of the bill.
Pioneer
Pond
enngs
Since It seems to be the vogue
for every community to collect
and exhibit Items of pioneer use
or Interest, and since the early
prosperity of Heppner depend
ed on the freight wagons, I sug
gest that a unique way to mem
orialize the nnst wnnlrl hi In
make a freighter outfit a sym-
ooi ior tne community.
Why not put together a
freighter's outfit of wagon and
harness. Locate It where It
could he easily observed by vis
itors. In addition to the assem
bly, I would suggest that each
of the comDonent nnrts of unir.
on and harness be tagged with
Its name. I am sure identifica
tion would be of Interest and
educational to many. It may
take an oldtlmer to furnish the
names, but I like the Idea.
With the increased movement
of people to the recreational
areas south of Heppner, such a
display might cause Rome to
pause a while to display their
knowledge or Ignorance, as the
case may be, of our early trans
port system.
From Portland Including
Flatt's Truck
Service
PHONE 989-8420
For Fast and Dependable
FREIGHT TRUCK SERVICE
Dally Overnight Service
Saturdays
MOVING? CALL US
GENE ORWICK
by Evtratt L Cutttr
They will prepare a brief, the
chairman says, so that the mm
mittce can concentrate on vital
coio-liU'ratlon ilurl n g these
waning week of the '.Hi7 sen
slot. Less essentia! matters,
such as definitions, will I, de
ferred until controversies are re
solved. Sen, link In Indicates that
whatever proHrty tax alterua
live meanure passes out of hu
committee will differ from the
House version, but ho decline
to predict specific details or the
magnitude of variation. He dor
favor a strict limitation on prop,
ertv taxes so that a sales tax
would not tie Jukt another tax
with local taxes creeping back
up U their present level In a
few years. He also wants a Con
stitutional provision to freeze
the sales tax rate unless an In
crease Is voted by citterns.
Ills primary desire, however,
reflected by moat legislator
here, Is to make sure that the
people have th opportunity to
vote on an alternative In tint
near futur.
"There Is ample evidence at
last weeks budget elections that
voters have reached the conclus
ion that property taxes are too
high, and that's that." Sen Bol
vin says. "I would be willing
to settle for almost anything
that will give them the right
to vote on a mrasure that Would
aubstantllaly reduce real proper
ty taxes, and I believe the leg
islature will provide that oppor
tunity." Riverside School
Bids Due June 6
Blls on the construction of the
new Riverside High school at
Boardman will be received at
the Morrow county school dls
trlct office In Lexington until
Tuesday, June 6, at 2 p.m and
the bids will be opened at 2:30
p.m. on the same day, Supt
David Potter announce.
Architect Howard Leonard
Glaer has been making cuts
In the plan for the school by
request of the district board. In
the hope that bids presented by
contractors will le within the
$1,IKI,000 allowed by the Army
Corps of Engineers on cash
settlement for replacement of
the existing Riverside school.
Hon Daniels, who has been
designated to supervise con
struction of the building, said
Monday that It bids tall within
! the amount available, there Is
J hope that the school construc
tion can prtx-eed at a pace to
have the new building nearly
enough finished to occupy by
April. 196H, at which time gate
of the John Day dam will be
closed, and the Umatilla reser
voir will rise to Inundate the
present location of Riverside
High.
When the school Is finally
completed, It will end nearly six
years of controversy and tedious
negotiation.
Specifications on the proposed
building may be obtained from
the district school office by con
tractors, or from the architect In
Portland.
COMMUNITY
BILLBOARD
Coming Events
BAND PARENTS
Important Meeting, Thursday,
May 18, 7.00 p.m.
Heppner High Library.
HETPNER HIGH TRACK
District Meet at Burns, Sat
urday, May 20.
State Meet at Corvallls, May
27.
CONSERVATION TOUR
Bus leaves Fairgrounds. 9:30
a.m., Monday, May 22, re
turns at 3:00 p.m.
Visit to many ranches In
county.
All adults Invited. Sack
lunch.
AUTO ROAD E-O
Sponsored by Jaycees
Sunday, May 21, 1 p.m.
County Fairgrounds.
For boys & girls, ages 16-19.
GRADUATION CEREMONIES
Baccalaureate, May 28, 8
p.m., multipurpose room
Commencement, May 31, 8
p.m., gymnasium.
PIONEER PICNIC
Sunday, May 28, County Fair
Pavlilon
Registration from 10:30, pot
luck dinner at noon.
SPONSORED AS A PUBLIC
SERVICE BY
C. A. RUGGLES
Insurance Agency
Heppner
Hillsborough
P. O. Box 247 PH. 676-9625