Real estate sales associate; social studies teacher in senior high school; member, Democratic State Central Committee; active member of League of Women Voters for 21 years; coordinator, Executive High School Internships and Title IX programs; received MA in American Studies from University of Maryland; chosen in 1984 as a Maryland elector to the Electoral College for the Democratic presidential ticket; member, Frederick City Ethics Commission; former vice president and program chairwoman, United Democrats of Frederick County. Frederick, under the leadership of an aggressive mayor and board of aldermen, is enjoying revitalization and development, attracting to new businesses and residents. However, this healthy local tax base cannot be expected to fill the gaps left by seriously reduced federal funding of community development programs, a direct result of tax cuts by the Reagan administration. Revenues for community development -- particularly those supporting low- and moderate-income housing -- have not been totally eliminated, but Frederick must aggressively pursue funding from the reduced amounts available. The expense of constructing and maintaining low- and moderate-income housing must be shared by federal, state and local governments, with the city as the vehicle for allocating funds and directing the rehabilitation of existing buildings. Of particular importance is the area south of Patrick Street. I also support Frederick's use of IRBs for housing and commercial development.