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<title>Real Estate Exchange</title>
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<h2 align="center">
<img src="images/exreal.gif" width="310" height="34" alt="Real Estate Exchange"></h2>
<hr>
<h4 align="center">ADVERTISERS &amp; READERS FAIR HOUSING NOTICE</h4>
<div align="center"><center>
<table border="0" cellpadding="2" cellspacing="0" width="80%">
<tr>
<td width="100%"><font size="2"><strong>All real estate
advertising in the Pennysaver is subject to the Fair
Housing Act, which makes it illegal to advertise any
preference, limitation or discrimination based on race,
color, religion, sex, handicap, family status or national
origin, or an intention to make any such preference,
limitation or discrimination. <br>
<br>
We will not knowingly accept any real estate advertising
that is in violation of the law. All dwellings advertised
in the Pennysaver are available on an equal opportunity
basis.</strong></font></td>
</tr>
</table>
</center></div>
<P><hr><b><center><h3>Classified Ads - January 19th, 2000</h3></center><!--begin--><hr>
<dl>
<div align="center"><center>
<dt><a href="fil800a.htm#A"><b>A</b></a><b> </b><a
href="fil800a.htm#B"><b>B</b></a><b> </b><a
href="fil800c.htm#C"><b>C</b></a><b> </b><a
href="fil800d.htm#D"><b>D</b></a><b> </b><a
href="fil800d.htm#E"><b>E</b></a><b> </b><a
href="fil800d.htm#F"><b>F</b></a><b> </b><a
href="fil800g.htm#G"><b>G</b></a><b> </b><a
href="fil800g.htm#H"><b>H</b></a><b> </b><a
href="fil800g.htm#I"><b>I</b></a><b> </b><a
href="fil800g.htm#J"><b>J</b></a><b> </b><a
href="fil800g.htm#K"><b>K</b></a><b> </b><a
href="fil800l.htm#L"><b>L</b></a><b> </b><a
href="fil800l.htm#M"><b>M</b></a><b> </b><a
href="fil800l.htm#N"><b>N</b></a><b> </b><a
href="fil800o.htm#O"><b>O</b></a><b> </b><a
href="fil800o.htm#P"><b>P</b></a><b> </b><a
href="fil800o.htm#Q"><b>Q</b></a><b> </b><a
href="fil800r.htm#R"><b>R</b></a><b> </b><a
href="fil800r.htm#S"><b>S</b></a><b> </b><a
href="fil800t.htm#T"><b>T</b></a><b> </b><a
href="fil800t.htm#U"><b>U</b></a><b> </b><a
href="fil800t.htm#V"><b>V</b></a><b> </b><a
href="fil800t.htm#W"><b>W</b></a><b> </b><a
href="fil800t.htm#X"><b>X</b></a><b> </b><a
href="fil800t.htm#Y"><b>Y</b></a><b> </b><a
href="fil800t.htm#Z"><b>Z</b></a><b> </b></dt>
</center></div>
</dl>
<div align="left">
<table border="0" cellpadding="2" cellspacing="0" width="600">
<tr>
<td width="21"><a href="realex.htm"><img
src="images/back.gif" border="0" width="21"
height="22"></a></td>
<td width="579"><a href="realex.htm"><font size="2"><em><strong>Return
to the Fast Find Search Engine.</strong></em></font></a></td>
</tr>
<tr>
<td><a href="ad_frame.htm"><img
src="images/back.gif" border="0" width="21"
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<td><a href="ad_frame.htm"><font size="2"><em><strong>Return
to the PennySaver Home Page.</strong></em></font></a></td>
</tr>
</table>
</div>
<p>
<hr>
<a name="D"></a>
DOBBS FERRY $286,000 914-693-1228
</b> <br>
Exceptional 2 Family colonial stucco house, culdesac, driveway.
<hr> <b>
DOBBS FERRY $286,000 914-693-1228
</b> <br>
Exceptional 2 Family colonial stucco house, culdesac, driveway.
<hr> <b>
DOVER $143,600 914-877-1825
</b> <br>
Beautiful colonial, 2.5acres, LR, DR, 2-3BR, 2bths+detached 5rm
shop/house.
<hr> <b>
<dl>
<div align="center"><center>
<dt><a href="fil800a.htm#A"><b>A</b></a><b> </b><a
href="fil800a.htm#B"><b>B</b></a><b> </b><a
href="fil800c.htm#C"><b>C</b></a><b> </b><a
href="fil800d.htm#D"><b>D</b></a><b> </b><a
href="fil800d.htm#E"><b>E</b></a><b> </b><a
href="fil800d.htm#F"><b>F</b></a><b> </b><a
href="fil800g.htm#G"><b>G</b></a><b> </b><a
href="fil800g.htm#H"><b>H</b></a><b> </b><a
href="fil800g.htm#I"><b>I</b></a><b> </b><a
href="fil800g.htm#J"><b>J</b></a><b> </b><a
href="fil800g.htm#K"><b>K</b></a><b> </b><a
href="fil800l.htm#L"><b>L</b></a><b> </b><a
href="fil800l.htm#M"><b>M</b></a><b> </b><a
href="fil800l.htm#N"><b>N</b></a><b> </b><a
href="fil800o.htm#O"><b>O</b></a><b> </b><a
href="fil800o.htm#P"><b>P</b></a><b> </b><a
href="fil800o.htm#Q"><b>Q</b></a><b> </b><a
href="fil800r.htm#R"><b>R</b></a><b> </b><a
href="fil800r.htm#S"><b>S</b></a><b> </b><a
href="fil800t.htm#T"><b>T</b></a><b> </b><a
href="fil800t.htm#U"><b>U</b></a><b> </b><a
href="fil800t.htm#V"><b>V</b></a><b> </b><a
href="fil800t.htm#W"><b>W</b></a><b> </b><a
href="fil800t.htm#X"><b>X</b></a><b> </b><a
href="fil800t.htm#Y"><b>Y</b></a><b> </b><a
href="fil800t.htm#Z"><b>Z</b></a><b> </b></dt>
</center></div>
</dl>
<div align="left">
<table border="0" cellpadding="2" cellspacing="0" width="600">
<tr>
<td width="21"><a href="realex.htm"><img
src="images/back.gif" border="0" width="21"
height="22"></a></td>
<td width="579"><a href="realex.htm"><font size="2"><em><strong>Return
to the Fast Find Search Engine.</strong></em></font></a></td>
</tr>
<tr>
<td><a href="ad_frame.htm"><img
src="images/back.gif" border="0" width="21"
height="22"></a></td>
<td><a href="ad_frame.htm"><font size="2"><em><strong>Return
to the PennySaver Home Page.</strong></em></font></a></td>
</tr>
</table>
</div>
<p>
<hr>
<a name="E"></a>
EAST FISHKILL $229,900 914-226-2651
</b> <br>
Unique setting, mint, 3BR, 2BTH, contemporary split, set on the Fishkill creek,
with waterfall, quality construction, hardwood floors, tile, cathedral ceilings,
cedar FR with fireplace, close to I84/Taconic, low taxes.
<hr> <b>
EAST FISHKILL $165,000 914-227-7707
</b> <br>
NEW ON MARKET! MUST SELL! COZY 2BDR, 3rd framed, room for 4th BDRM,
FP, bow window hardwood cabinets, 3+ acres/horse property. 2 10x10 sheds
w/stalls & tack building. CENTURY 21 ANITA FERRI REALTY.
<hr> <b>
EAST FISHKILL $169,900 914-227-7707
</b> <br>
NEW ON MARKET! 4BR Ranch, immaculate condition, LR/FP. Large MBR,
updated bath, many new features, DR, fin. PR, I/G pool, landscaped. CENTURY
21 ANITA FERRI REALTY.
<hr> <b>
EAST FISHKILL $183,500 897-5487
</b> <br>
SOUTHERN DUTCHESS BEST BUY! Don't miss the boat on this one... Super
convenient neighborhood, excellent cul-de-sac location, young 3 bedroom,
1.5bth on level one acre with in-ground pool. RE/MAX MONIESWORTH
REALTY, Geri DeWitt Ruby 914-227-4280. Email: gruby@remax.net
<hr> <b>
EAST FISHKILL $164,000 914-227-7707
</b> <br>
NEW ON MARKET! MUST SELL! COZY 2BDR, 3rd framed, room for 4th BDRM,
FP, bow window hardwood cabinets, 3+ acres/horse property. 2 10x10 sheds
w/stalls & tack building. CENTURY 21 ANITA FERRI REALTY.
<hr> <b>
EAST FISHKILL $239,900 914-226-1606
</b> <br>
New Contemporary on 2+ Acre wooded homesite featuring 3 bedrooms, 3 full
baths, vaulted ceilings, separate master bedroom suite, family room with
fireplace, Arlington Schools. Still time to choose finishing details. Edward
Ginsberg Real Estate.
<hr> <b>
EAST FISHKILL 914-483-9475
</b> <br>
Starting $259,900, 3 home sites available, excellent commuter location,
2,400-3,000sqft homes. BVA CONSTRUCTION.
<hr> <b>
ELMSFORD $286,000 914-693-1228
</b> <br>
Exceptional 2 family modern contemporary. 2 Basements, 2 driveways, patios.
<hr> <b>
ELMSFORD $286,000 914-693-1228
</b> <br>
Exceptional 2 family modern contemporary. 2 Basements, 2 driveways, patios.
<hr> <b>
<dl>
<div align="center"><center>
<dt><a href="fil800a.htm#A"><b>A</b></a><b> </b><a
href="fil800a.htm#B"><b>B</b></a><b> </b><a
href="fil800c.htm#C"><b>C</b></a><b> </b><a
href="fil800d.htm#D"><b>D</b></a><b> </b><a
href="fil800d.htm#E"><b>E</b></a><b> </b><a
href="fil800d.htm#F"><b>F</b></a><b> </b><a
href="fil800g.htm#G"><b>G</b></a><b> </b><a
href="fil800g.htm#H"><b>H</b></a><b> </b><a
href="fil800g.htm#I"><b>I</b></a><b> </b><a
href="fil800g.htm#J"><b>J</b></a><b> </b><a
href="fil800g.htm#K"><b>K</b></a><b> </b><a
href="fil800l.htm#L"><b>L</b></a><b> </b><a
href="fil800l.htm#M"><b>M</b></a><b> </b><a
href="fil800l.htm#N"><b>N</b></a><b> </b><a
href="fil800o.htm#O"><b>O</b></a><b> </b><a
href="fil800o.htm#P"><b>P</b></a><b> </b><a
href="fil800o.htm#Q"><b>Q</b></a><b> </b><a
href="fil800r.htm#R"><b>R</b></a><b> </b><a
href="fil800r.htm#S"><b>S</b></a><b> </b><a
href="fil800t.htm#T"><b>T</b></a><b> </b><a
href="fil800t.htm#U"><b>U</b></a><b> </b><a
href="fil800t.htm#V"><b>V</b></a><b> </b><a
href="fil800t.htm#W"><b>W</b></a><b> </b><a
href="fil800t.htm#X"><b>X</b></a><b> </b><a
href="fil800t.htm#Y"><b>Y</b></a><b> </b><a
href="fil800t.htm#Z"><b>Z</b></a><b> </b></dt>
</center></div>
</dl>
<div align="left">
<table border="0" cellpadding="2" cellspacing="0" width="600">
<tr>
<td width="21"><a href="realex.htm"><img
src="images/back.gif" border="0" width="21"
height="22"></a></td>
<td width="579"><a href="realex.htm"><font size="2"><em><strong>Return
to the Fast Find Search Engine.</strong></em></font></a></td>
</tr>
<tr>
<td><a href="ad_frame.htm"><img
src="images/back.gif" border="0" width="21"
height="22"></a></td>
<td><a href="ad_frame.htm"><font size="2"><em><strong>Return
to the PennySaver Home Page.</strong></em></font></a></td>
</tr>
</table>
</div>
<p>
<hr>
<a name="F"></a>
FISHKILL $119,900 914-896-5760
</b> <br>
BY OWNER - 2BR Colonial, 1200sqft, large rooms. Remodeled, new heating
system, windows, deck, and more. Lovely property. Great Glenham
neighborhood. Low taxes. 100% Financing available.
<hr> <b>
FISHKILL $159,900 914-278-0086
</b> <br>
BY OWNER. Recently reduced 3BR, 2Bth RR. .63acres, private location, low
taxes, easy commute to I84 and Taconic. Principals only.
<hr> <b>
FLORIDA, DEERFIELD BEACH
</b> <br>
Beautiful 1BR condo, 1st floor, on water and golf course, senior development.
Fully furnished, just bring your bathing suit. $1100mo seasonal, $550mo long
term lease or will sell for $29,500. Call 954-255-1978.
<hr> <b>
FORECLOSED HOMES
</b> <br>
LOW OR $0 DOWN! Gov't & Bank repos being sold Now! Financing available!
Local listings, 1-800-501-1777 ext. 5055. FEDERAL INFORMATION
SERVICES.
<hr> <b>
FORECLOSED GOV'T HOMES
</b> <br>
SAVE up to 50% or more! Minimum Or No Down Payment! For Information
Call Now (800)429-3660 ext. H-1267 Call 7 days a week. NATIONAL
RESOURCE INC.
<hr> <b>
<dl>
<div align="center"><center>
<dt><a href="fil800a.htm#A"><b>A</b></a><b> </b><a
href="fil800a.htm#B"><b>B</b></a><b> </b><a
href="fil800c.htm#C"><b>C</b></a><b> </b><a
href="fil800d.htm#D"><b>D</b></a><b> </b><a
href="fil800d.htm#E"><b>E</b></a><b> </b><a
href="fil800d.htm#F"><b>F</b></a><b> </b><a
href="fil800g.htm#G"><b>G</b></a><b> </b><a
href="fil800g.htm#H"><b>H</b></a><b> </b><a
href="fil800g.htm#I"><b>I</b></a><b> </b><a
href="fil800g.htm#J"><b>J</b></a><b> </b><a
href="fil800g.htm#K"><b>K</b></a><b> </b><a
href="fil800l.htm#L"><b>L</b></a><b> </b><a
href="fil800l.htm#M"><b>M</b></a><b> </b><a
href="fil800l.htm#N"><b>N</b></a><b> </b><a
href="fil800o.htm#O"><b>O</b></a><b> </b><a
href="fil800o.htm#P"><b>P</b></a><b> </b><a
href="fil800o.htm#Q"><b>Q</b></a><b> </b><a
href="fil800r.htm#R"><b>R</b></a><b> </b><a
href="fil800r.htm#S"><b>S</b></a><b> </b><a
href="fil800t.htm#T"><b>T</b></a><b> </b><a
href="fil800t.htm#U"><b>U</b></a><b> </b><a
href="fil800t.htm#V"><b>V</b></a><b> </b><a
href="fil800t.htm#W"><b>W</b></a><b> </b><a
href="fil800t.htm#X"><b>X</b></a><b> </b><a
href="fil800t.htm#Y"><b>Y</b></a><b> </b><a
href="fil800t.htm#Z"><b>Z</b></a><b> </b></dt>
</center></div>
</dl>
<div align="left">
<table border="0" cellpadding="2" cellspacing="0" width="600">
<tr>
<td width="21"><a href="realex.htm"><img
src="images/back.gif" border="0" width="21"
height="22"></a></td>
<td width="579"><a href="realex.htm"><font size="2"><em><strong>Return
to the Fast Find Search Engine.</strong></em></font></a></td>
</tr>
<tr>
<td><a href="ad_frame.htm"><img
src="images/back.gif" border="0" width="21"
height="22"></a></td>
<td><a href="ad_frame.htm"><font size="2"><em><strong>Return
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