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TRUSTEE’S SALE OF

33 SNOW LANE

Chester Gap, Virginia

Pursuant to the terms of a deed of trust dated June 29, 1998, in the original principal amount of $95,900.00, recorded in the Clerk's Office, Circuit Court for Rappahannock County, Virginia, in Deed Book 233 at page 844, the property briefly described below will be offered for sale at public auction:

Lots 10E, 11E and 12E, Skyverge Estates,

as the same is duly dedicated, platted

and recorded in Deed Book 199 at Page

324, among the land records of

Rappahannock County, Virginia; as more

particularly described in the referenced

Deed of Trust, (the “Property");

The sale will take place on April 7, 2003 at 11:00 a m., at the main entrance to the building housing the Circuit Court for Rappahannock County, Virginia.

Terms: A deposit in the form of certified funds in the amount of $7,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms may be announced at sale. Purchaser to pay all closing costs.

Stephen B. Wood and Jordana M. Weber, ana F & M Services, L.C., Substitute Trustees

FOR INFORMATION CONTACT:

Stephen B. Wood, FTiedman & MacFadyen, PA., 1601 Rolling Hills Drive, Ste. 125, Richmond, Virginia 23229, Telephone: (804)288-0088 Ref#202397

3-20, 3-27-03

#486388

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