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Ramona Remsberg devoted her professional and personal life to the betterment of Frederick County. A pillar in the Frederick community, she completed a distinguished 55-year career in banking and finance at a time when women were not in the field.
Mrs. Remsberg started her career as a courier with Frederick County National Bank, later became president, and finally served as vice chairman of the bank’s board of directors in retirement. Her impressive professional career rivals her extensive community service. Her dedication to the Frederick community was reflected in the countless hours that she spent volunteering in leadership roles with at least ten organizations, including Hood College, Frederick County Chamber of Commerce, Frederick Arts Council, and Mental Health Association of Frederick County.
Because of her selfless desire to serve others, Mrs. Remsberg made estate provisions to establish a scholarship fund with the Community Foundation through a charitable remainder trust. The Ramona Corun Remsberg Scholarship Fund was established in 2003 and assists students pursuing a post-secondary education and career in finance. To date, 15 students have received more than $45,000 in scholarships to pursue their educational and career aspirations.
One of those students is Caleb McNeil. Following Mrs. Remsberg’s career and community service path, Caleb is studying finance and business analytics at Indiana University’s Kelley School of Business with hopes to pursue a career in investment banking. He received a 2016 Wertheimer Youth in Action Award from the Community Foundation which recognized him for positively impacting the community by volunteering with the Frederick Rescue Mission.
“The Ramona Remsberg Scholarship has been so helpful. The cost of attendance was a huge factor in deciding what school to attend,” Caleb said, reflecting on his freshman year. “This type of support has been so encouraging this past year.”
In addition to helping students further their education, Mrs. Remsberg’s legacy is supporting an organization where she spent many volunteer hours as a longtime board member. In 2004, Heartly House established The Ramona C. Remsberg Fund for Heartly House with the Community Foundation with money it received through Mrs. Remsberg’s estate provisions. The fund’s purpose is to support Heartly House, the only organization in Frederick County that provides comprehensive services to survivors of domestic violence, sexual assault, human trafficking, and child abuse. More than $12,000 dollars in grants have been disbursed from the fund since it was founded.
Mrs. Remsberg’s legacy is honored in the two funds at the Community Foundation in her name. Her trailblazing career, tireless work ethic, and desire to help others will forever be remembered in the Frederick community.
In 1998, the Community Foundation announced the creation of The Charles Thomas and Mary Ellen Main Scholarship Fund. The fund was made possible through bequests from Mr. and Mrs. Main; their wills instructed us to provide financial assistance for educational purposes to deserving children and young adults with financial need.
Since 1998, the fund has provided more than $117,000 in scholarship support to nearly 100 Frederick County residents. Part of this money supported Frederick County Public Schools’ (FCPS) Character Counts! program, from approximately 2002 to 2007. This program encouraged FCPS students “to become caring, respectful and responsible citizens and family members” by teaching trustworthiness, respect, responsibility, fairness, caring, and citizenship. Each high school in Frederick County chose one graduating senior to receive a $500 scholarship to reward their exemplary character.
Supporting scholarships and the Character Counts! program is a fitting legacy for the Mains. They were both lifelong and well-respected residents of Frederick County. Charles was a farm manager, and Mary Ellen a homemaker. Mary Ellen served her community in numerous volunteer capacities, including the Red Cross as a nurse’s aide at Frederick Memorial Hospital during World War II, and various homemaker clubs. They did not have children but wanted to provide opportunities for students to obtain an education, and according to Joseph D. Baker, a close friend, “were excited to learn they could provide a scholarship through their wills with the Community Foundation.” Mr. Baker continued, saying, “They were very excited and glad to do so.” All who knew them would agree they both exemplified all the components of the Character Counts! program.
This is a wonderful example of giving back to the community and helping people succeed. The Mains passed away in the early 1990s but created a legacy that continues 21 years later. As you read this, two students are benefiting from scholarships for their 2019-2020 academic year at Pennsylvania College of Technology and Frederick Community College.
How would you like to impact your community? The Community Foundation can suggest many ways to create your legacy. You don’t have to be wealthy; you just need the desire to help. Learn more by visiting www.FrederickCountyGives.org or call our office at 301.695.7660.
Sometimes legacies are a surprise. The notice from The Office of the Register of Wills stating that the Community Foundation was named as an interested party in the estate of Calvin Murray was routine. As the story unfolded, we learned that Mr. Murray wished to establish a charitable fund supporting two nonprofits: The Howard Chapel Ridgeville United Methodist Church (UMC), and Frederick Memorial Hospital. The surprise? Mr. Murray wasn’t known to us, nor had he let us know in advance that he wished to create funds benefitting his church and the hospital. Even more surprising was the estimated size of the estate – more than $20 million.
We’re always sorry to hear of someone’s death, of course, and establishing a charitable fund with proceeds from the estate is not unusual. A well -respected resident of Mount Airy, Maryland, Mr. Murray was described as a quiet individual who was always in touch with local news. He lived and worked on the family farm his entire life. As a youth, he received numerous awards from 4-H for raising and showing farm animals. His prize cattle awards provided the opportunity to serve as a Maryland delegate to the National 4-H Conference in 1946. He also received top honors for his animal projects from Future Farmers of America. After graduating from high school, he continued working on his family’s farm, and other land acquired nearby.
Mr. Murray and his parents were life-long members of The Howard Chapel Ridgeville UMC, and he participated in the youth group and served the church in his younger years through various volunteer roles. Mr. Murray’s extended family said the bequest to the church was a direct reflection of his parent’s dedication to the church and their very active involvement.
He was kind and cared about others, even those he didn’t know. Mr. Murray decided to name Frederick Memorial Hospital as a grant recipient because he received excellent care when admitted with a health issue. He knew that others in the community might need hospital care but may not be able to afford it, and he wanted to use his resources to help.
Mr. Murray passed away in January 2012. The Calvin Murray Charitable Fund was established, and in August 2014, the first grants were presented to The Howard Chapel Ridgeville UMC and Frederick Memorial Hospital. The church used its initial grant towards an addition to the building and updating other parts of the building to be compliant with the American with Disabilities Act. Representatives from the church anticipated future grants to provide support of mission projects in the Mount Airy, Maryland area, as well as other places in the United States and the world.
Frederick Memorial Hospital used its first grant towards The James M. Stockman Cancer Institute, which was under construction at the time. This state of the art facility that opened in the summer of 2017, now provides diagnosis, treatment, cancer patient follow-up, and support services under one roof. The annual grant now supports other programs and projects at the hospital.
Calvin Murray left a legacy that will positively impact countless people in perpetuity as annually, each entity will receive a grant that will support their programs. Fortunately, he had specified his wishes via his attorney in advance, and we were able to create his fund to carry out his charitable wishes exactly as he wanted. But because we didn’t know of his charitable intentions in advance of his death, we weren’t able to say thank you, and that’s sad.
We realize that Mr. Murray’s estate, in its size, is the exception rather than the rule. It’s important to know that no matter the size of your estate, every gift creates impact in the community. If you decide you would like to create a charitable fund with the Community Foundation that becomes active after your passing, we encourage you to talk with your professional advisors and us in advance, rather than to make it a surprise. That way, we understand what you wish to do and the legacy you’d like to leave. And, we can thank you personally for your vision and plans to help Frederick County be its best.
How often do you meet people now who are born, raised, and live their entire lives in the same place? Frederick County is a place where this phenomenon is not uncommon, but increasingly unlikely as the years pass.
Meredith and Helen Young are two people who spent their entire lives here. In 2009, the year both passed away, they were well into their 90’s. Graduates of Frederick High School, Meredith was employed immediately following graduation by Fredericktown Bank and Trust (now PNC Bank) as a runner. He began learning many of the other bank positions, but his career was interrupted while he served in WWII as a Master Sergeant in the 146th Finance Section of the Army, experiencing both the European and Pacific theatres of war. Meredith returned to the bank following the war, and in 1957, became assistant vice-president. In January 1959, he became the youngest bank president in the City of Frederick, at the age of 46. He was active in the community, including Rotary Club of Frederick, where he became a Paul Harris Fellow; a charter member of the Frederick Jaycees; vice-chairman of the March of Dimes; a member of the board of trustees of Frederick Memorial Hospital; served on the Board of Associates at Hood College; a member of the A.F. & A. Masonic Lodge, receiving a 70-year Masonic pin; and a member of the Francis Scott Key American Legion Post 11. This list is slightly pared down due to limited space!
Helen Brown was hired by Fredericktown Bank and Trust after her graduation from Hood College in 1935. There she met Meredith, and they were married in October 1943. Helen’s bank career lasted 41 years until her retirement in 1978 as vice-president and trust officer. She was community-minded as well, as a life member of the Frederick Memorial Hospital Auxiliary, and a 40-year member of the board of directors for the G. Frank Thomas Foundation. Both Helen and Meredith were 65+ year members of Evangelical Lutheran Church.
The Youngs were generous with their time and resources and were described by a close friend as having spent much of their lifetime “quietly helping students acquire an education.” They were modest and didn’t want attention or publicity about their good deeds. They recognized the value of education and sought to ensure that studying at the post-secondary level was available.
Meredith was the second of the couple to pass away, and after his death, The W. Meredith S. Young and Helen B. Young Scholarship Fund was established through a bequest to the Community Foundation. Since 2012, more than $260,000 in scholarships have been provided to Frederick County students from the fund. The Youngs also made bequests to Rotary Club of Frederick and the Historical Society of Frederick County. Those organizations decided to create funds through the Community Foundation as a way of ensuring they could fulfill their goals. The Rotary Club of Frederick/W. Meredith S. Young and Helen B. Young Scholarship Fund was created, and since 2012 has provided more than $100,000 in scholarships to area students. The Historical Society created The Meredith and Helen Young Facilities Enhancement and Preservation Fund to support the maintenance and preservation of its buildings. Grants provided since 2012 exceed $125,000.
Meredith and Helen contributed immensely to the quality of life in Frederick County, both professionally and personally, during their lifetime. They continue to have great impact as scholarships will be provided annually, and the history of our county will continue to be preserved because of their foresight. They are a true example of For Good. Forever. For Frederick County.
FREDERICK, MD – October 9, 2019: With foresight and vision, John C. Summers’ planned gift has created two funds that will help many people in the years to come. The John C. Summers Fund and The Myersville Lions Club Scholarship Fund become two of more than 720 component funds managed by The Community Foundation of Frederick County.
The John C. Summers Fund will assist people residing in Myersville, Maryland who have financial need regarding their utility bills or property taxes. Grants will be provided to nonprofits with programs for screening and qualifying applicants.
The Myersville Lions Club Scholarship Fund will provide post-secondary scholarships to students who are residents of Frederick County, Maryland, and Washington County, Maryland, studying in medical or health care related fields.
There’s a story behind every fund created at the Community Foundation. Let’s start with one of the very first: the Smith Sisters, who created The Mary E. M. and Ruth E. Smith Scholarship Fund. They were dedicated schoolteachers and community volunteers who cared deeply about the children they taught and the community they lived in, and they left a legacy that’s benefited nearly 300 students pursuing education as a career.
If you attended Parkway Elementary in the 1940’s, 50’s, or first half of the 60’s, you’re not too old to remember these remarkable women. Mary and Ruth taught school for 42 and 44 years respectively. Mary was also an administrator, serving as principal of Parkway Elementary from 1940 to 1966. Early in her career, she spent 13 years as a “teaching principal” at Urbana Elementary, meaning she taught all seven grades and served as head administrator. Mary was the first teacher and principal in Frederick County to earn a master’s degree, and Ruth was the second elementary teacher to accomplish this.
In a June 1966 article by The Frederick News-Post covering Mary’s retirement, she said the key to a rewarding life is to identify with a cause that is bigger than yourself and then lose yourself in the cause. As devoted teachers, education was the cause to which Mary and Ruth “lost” themselves during their lifetime. After their lifetime, they wanted to help others be successful teachers and administrators. Through their fund, they have continued to support their cause and build their legacy.
Each year, approximately a dozen students receive a college scholarship from this fund that helps them pursue their dream of becoming a teacher and getting “lost in their cause” by positively influencing the lives of young learners. Some have returned to teach in Frederick County, but no matter where they’ve gone, the impact of Mary and Ruth’s scholarship has gone with them.
This fund also holds a significant place in the Community Foundation’s history, as it was the first large endowment fund to be managed by the board of trustees. It was originally established with Fredericktown Bank and Trust Company and then transferred in 1987, just one year after the Community Foundation was incorporated as a public charity. It is still one of the largest endowed scholarship funds under management and contributes significantly to the $1 million total of all scholarships presented annually.
What are the causes in which you can “lose” yourself? How can your efforts make a difference? What kind of legacy do you wish to leave? Only you know the answer to the first question. The Community Foundation can help you answer the others. You don’t have to be wealthy to create a lasting legacy. All you need is the desire to something meaningful with the resources you have.
In 1999, Jessica Murphy, the 14-year old daughter of Don and Sue Murphy, died from injuries sustained in an automobile accident. Jessica was days away from starting her sophomore year at Governor Thomas Johnson High School, where she was an involved student who worked hard academically and excelled at volleyball, basketball, and softball. She also tutored students at Spring Ridge Elementary School and worked part-time. Don, Sue, and their son Brad wanted to honor Jessica’s life and preserve her legacy, and so they created The Jessica Lee Murphy Memorial Fund with the Community Foundation. Now, in December 2019, the fund is in its 20th year and has disbursed more than $64,000 in scholarships and grants within Frederick County.
Sometimes, positive things can develop from tragedies. Since 1999, Jessica’s memory has been honored through scholarships that helped 28 students with their college education. These students were selected based on criteria established through the fund agreement: students must be a Frederick County high school graduate, have a safe driving record, show excellence in academics and sports, and continuing their education at a two or four-year college. One scholarship recipient said, “I am majoring in health science and planning for a career in either physical or occupational therapy because I want to be able to help others. I’m continuing my love for volleyball by playing on my college’s intramural volleyball team. Thank you for this opportunity. I will always remember your kindness and generosity.”
Because the Murphy’s fund is a donor-advised fund, they have recommendation privileges to provide scholarships and grants. “The fund has had multiple benefits for us: to honor Jessie, to see student-athletes benefit from their hard work, and to highlight safe driving for teens,” said Don and Sue. ‘We are thankful for being led to the Community Foundation.”
Earlier this year, they recommended a grant to the YMCA of Frederick County in support of Camp West Mar. Children experience outdoor adventures in the Catoctin Mountains, including swimming, archery, canoeing, hiking, and more. Their time at Camp West Mar promotes their social development, responsibility, respect, leadership skills, and healthy living. The grant, approved by our board of trustees, provided financial assistance to families unable to cover the full cost of sending their child to camp. With the help of this grant, more than 40 families benefited. Don and Sue felt this was an appropriate grant since both Brad and Jessie attended Camp West Mar as young children.
Jessica Murphy was a vibrant teenager, engaged in many facets of the community. The fund that bears her name is carrying on that vibrancy and helping to ensure success in other people’s lives. The Community Foundation is humbled to be a part of ensuring that her legacy continues.
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