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Small banks aren’t playing David to the Goliaths, but they are succeeding for customers where the big boys sometimes won’t even try.



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Lynda Messick of Community Bank in Lewes speaks with bank client Rachel Hughes, co-owner of the Rehoboth Toy & Kite company. Photograph by Steven BillupsThere used to be a saying in the banking business,” says Lynda Messick. “‘Three-six-three: pay 3 percent interest on savings accounts, charge 6 percent on loans, and be on the first tee by 3 o’clock.”

It should be noted that Messick, president and CEO of Community Bank Delaware, is discussing the adage while sitting in her office at 5:30 p.m. on a Thursday. Oh, and her golf handicap is a hefty 26.

Terms like “three-six-three” and “banker’s hours” became anachronisms several decades ago. “There was an arrogance to banking until the early ’70s,” says Messick, who has been in the industry since 1973. “Then we were humbled by competition.”

And the competition was legion. Instead of leaving their money in passbook savings accounts, consumers began moving it to institutions like savings and loans, credit unions, money market funds, government and private bonds, and stocks. More recently, online banking has become a major market force.

And though banking, thanks to the FDIC, may be the country’s most regulated industry, it has to contend with largely unfettered competitors such as payday lenders, check-cashing services, and buy-here-pay-here used-car dealers.

So banking is no longer a 9 to 3 job. But it can be a day at the beach—sort of. Case in point: Messick and her coworkers at Community Bank’s headquarters in Lewes and its Rehoboth Beach branch.

Community Bank Delaware was created two years ago by investors who saw a niche for a small, locally focused bank in Sussex. It thus joined a growing number of small Delaware banks that have sprouted among the forest of behemoths such as Chase, Wachovia, ING, Bank of America—even Wilmington Trust. And even in this foundering economy—perhaps because of it—the small banks are going strong.

In a state that historically has been favorable to the industry, two other small community banks have carved unique markets for themselves, MidCoast Community Bank in Wilmington and Christiana Bank & Trust in Greenville. Joining small banks such as County Bank, The Felton Bank and First National Bank of Wyoming, among others, they’ve found a winning combination in streamlined decision-making and personalized services, aided by such technology as remote check deposits.

Of the three, Community Bank may be the most provincial, in the best sense of that word. Messick, who spent 26 years with Delaware National Bank before she was recruited by the founders of Community in 2005, explains.

“I worked for a statewide bank, and I thought we had a presence over here,” she says. “But what I found the day I came to work here is the locals do not look at anything outside of this area as being their community. They want something of their own. They look at northern Delaware as a different state. And they all support each other.”

Messick and most of the bank’s officers are either natives or longtime residents of the beach area, so they knew a well-run community bank would appeal to their neighbors. What’s more, “A lot of the big banks who are headquartered away from this area don’t like loaning money to hotels and restaurants here,” Messick says. “We know this market, and we know this resort area is not recession-proof, but it’s recession-resistant, and we know the local businesses who have been through the business cycles throughout the years, and we can make accommodations for them.”

During his 28 years in the business, William “Jack” Riddle, Community Bank’s chief lending officer, had been through two bank mergers before being recruited by Messick, a former competitor. “It’s one of the best decisions I’ve ever made,” he says.

Riddle says Community Bank management all came from big banks, and they had seen the trend toward centralization, resulting in fewer decisions made at the local level. “This was our opportunity to be captains of the ship,” he says. “All the decisions are made here—the rates, the terms, loan approval. Everything happens right in this building. That’s important to business people.”

Community Bank is heavy on beach themes and its calendar highlights local events such as the Rehoboth Beach Film Festival and the ChickFest in Dewey. Even the headquarters was designed to be the quintessential Sussex County symbol, a cross between a lifesaving station and a barn.

In Northern Delaware, more aggressive expansion is in the works for MidCoast Community bank, which opened in March 2007. MidCoast emphasizes personal service in a market extending from Southern Chester County in Pennsylvania through Delaware and into Northern Maryland. The bank is building a branch in Dover, and, says president and CEO Jim Ladio, “We want to put a branch in Sussex County, Maryland and Pennsylvania. There’s a lot of opportunity in our market. We could be a billion dollars and still be just who we are.”

With an emphasis on small business loans, MidCoast’s current loan portfolio totals $74 million. (Community Bank of Delaware reported $28.6 million in 2007.) About 30 percent of the 235 individual loans are in New Castle County and 26 percent in Kent, with the remainder somewhat evenly divided among Southern Chester County, Sussex County and Maryland.
 

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January 2017

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
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Telephone: 302-654-8638
Website »

More information

January 14, 15, 16 – Saturday, Sunday, and Monday – 10 a.m. to 4 p.m. Invention Convention Lights, camera, action! This year’s Invention Convention features hands-on video...

Cost: $8 for adults, $6 for children between 4 and 14, and free for children under 4 a

Where:
Hagley Museum
201 Hagley Creek Road
Wilmington, DE  19807
View map »


Sponsor: Hagley Museum
Telephone: (302) 65802400 x 238
Contact Name: Jessica Eisenbrey
Website »

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Belly Dance Classes with Zahra Beginner & intermediate classes open to teens and adults Sundays in January starting Jan 8th Beginner: 2:30-3:30 p.m. Intermediate: 1 - 2 p.m (must get...

Cost: $15-$42

Where:
Take the Lead Studio
320 Lantana Drive
Hockessin , DE  19711
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Sponsor: Take the Lead
Contact Name: Zahra
Website »

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Join Rachel Binkley of Rocker Soaps + Herbals for a fun and information filled class. We will make soap, learn how to make a soap recipe and get tips and techniques to make it easier for you at...

Cost: 40

Where:
Elements of Nutrition
4710 Kirkwood Hwy
Wilmington, DE  19808
View map »


Sponsor: Rocker Soaps + Herbals
Telephone: 302-544-0391
Contact Name: Rachel Binkley
Website »

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Come give curling a try! At this 2-hour intro-to-curling event we'll provide a basic lesson then coach you through a mini-game.  Whether you just want to cross #curling off your bucket list or...

Cost: $35

Where:
The Pond Ice Arena
101 John Campbell Rd
Newark, DE  19711
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Sponsor: Diamond State Curling Club
Website »

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The Rehoboth Beach Film Society will present its popular What Makes Us Tick? program during the Martin Luther King, Jr. holiday weekend, January 13-15. This analytical film and discussion series...

Cost: $9 - $10

Where:
Cinema Art Theater
17701 Dartmouth Drive, #2
Lewes, DE  19958
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Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

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BROKEN ARROW: A NEIL YOUNG TRIBUTE Broken Arrow delivers the music of Neil Young; both the rockin' electric guitar driven favorites and the more country flavored classics with pedal steel and...

Cost: $12 ADV- $14 DOS

Where:
World Cafe Live Wilmington
500 N Market St
Wilmington, DE  19801
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Telephone: 215-222-1400
Contact Name: MP Intern
Website »

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Learn how climate change affects our world with hands-on activities that can relate to explorers of all ages. Arctic Adventure and Rainforest Explorer visitors can take on the role of an Arctic...

Cost: Adults: $9 Children (3-17): $7 Seniors (60+): $8 Under 3: FREE Members: FREE

Where:
Delaware Museum of Natural History
4840 Kennett Pike
Wilmington, DE  19807
View map »


Telephone: 302-658-9111
Website »

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January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

When the kids have a day off but the parents don’t, let them spend the day off of school doing something really cool…having fun at DMNH! Enjoy games, crafts, activities, and even a hot dog...

Cost: $20 for Members, $25 for Non-Members.

Where:
Delaware Museum of Natural History
4840 Kennett Pike
Wilmington, DE  19807
View map »


Website »

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Science is for everyone! Join us for hands on crafts and activities that highlight science contributions to natural history from scientists all around the world. Learn how YOU can make a difference...

Cost: Free with Admission

Where:
Delaware Museum of Natural History
4840 Kennett Pike
Wilmington, DE  19807
View map »


Telephone: 130-265-89111
Website »

More information

January 14, 15, 16 – Saturday, Sunday, and Monday – 10 a.m. to 4 p.m. Invention Convention Lights, camera, action! This year’s Invention Convention features hands-on video...

Cost: $8 for adults, $6 for children between 4 and 14, and free for children under 4 a

Where:
Hagley Museum
201 Hagley Creek Road
Wilmington, DE  19807
View map »


Sponsor: Hagley Museum
Telephone: (302) 65802400 x 238
Contact Name: Jessica Eisenbrey
Website »

More information

Show More...
Show Less...

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Tuesdays and Thursdays from 9:30AM-12:00PM Fall session: Thursday, Dec 1st thru Thursday, December 15th Winter session: Tuesday, January 17th thru Thursday, March 30th   Drop in on Nature is...

Cost: see description

Where:
The Annex
501 Chandler Mill Rd
Kennett Square, PA  19348
View map »


Sponsor: The Land Conservancy
Telephone: 610-347-0347 ext.104
Website »

More information

Sports Card & Collectible Show at Aetna Fire Hall on Jan. 22—sign up now! -Sports Cards McFarlane Figures Comic Books Non-Sports cards Wrestling Items Vintage Starting...

Cost: $2

Where:
Aetna Fire Hall
400 Ogletown Road
Newark, DE  19711
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Sponsor: A2Z Promotions
Telephone: 302-983-2636
Contact Name: Bob Harper
Website »

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East Coast Garden Center Indoor Farmer's Marke 25 vendors

Cost: Free

Where:
East Coast Garden Center
30366 Cordrey Rd
Millsboro, DE  19966
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Telephone: 302-945-3489
Website »

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East Coast Garden Center Indoor Farmers Market Nov 8, 2016 - April 11, 2017  11 am- 2 pm 25 vendors Location:  East Coast Garden Center 30366 Cordrey Rd Millsboro, DE 19966 302-945-3489

Cost: frr

Where:
East Coast Garden Center
30366 Cordrey Rd
Millsboro, DE  19966
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Sponsor: East Coast Garden Center
Telephone: 302-945-3489
Website »

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A four-week series of ballroom dancing classes taught by teachers from the BlueBallroom. Tuesdays starting Jan. 10. Classes are $30 a lesson for Non-Members. Non-Member slots are limited. For...

Cost: $30

Where:
University and Whist Club
805 N Broom St
Wilmington, DE  19806
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The Cinema & the Arts film series proudly presents a screening of the documentary ART BASTARD on  Tuesday, January 17, 7:00 pm, at Cinema Art Theater, 17701 Dartmouth Drive in Dartmouth Plaza,...

Cost: $9

Where:
Cinema Art Theater
17701 Dartmouth Drive, #2
Lewes, DE  19958
View map »


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

More information

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January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Sports Card & Collectible Show at Aetna Fire Hall on Jan. 22—sign up now! -Sports Cards McFarlane Figures Comic Books Non-Sports cards Wrestling Items Vintage Starting...

Cost: $2

Where:
Aetna Fire Hall
400 Ogletown Road
Newark, DE  19711
View map »


Sponsor: A2Z Promotions
Telephone: 302-983-2636
Contact Name: Bob Harper
Website »

More information

The Division of Public Health offers its annual free flu vaccination event in the Legislative Hall Library, ground floor, 411 Legislative Ave., Dover, DE, on January 18, 2017, from 11:00 a.m. to...

Cost: FREE

Where:
Legislative Hall Library
411 Legislative Ave.
Dover, DE  19901
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Sponsor: Division of Public Health
Telephone: 800-282-8672
Website »

More information

Do you want to learn how to make soap? This is your chance! Join me for a fun and informative class @ Liquid Alchemy. I will teach you how to create your own recipe and the in-and-outs of soap...

Cost: 45

Where:
Liquid Alchemy
28 Brookside Dr.
, DE  19804
View map »


Sponsor: Rocker Soaps + Herbals
Telephone: 302-544-0391
Contact Name: Rachel Binkley
Website »

More information

Do you want to learn how to make soap? This is your chance! Join me for a fun and informative class @ Liquid Alchemy. I will teach you how to create your own recipe and the in-and-outs of soap...

Cost: 45.00

Where:
Liquid Alchemy
28 Brookside Dr.
Wilmington, DE  19804
View map »


Sponsor: Rocker Soaps + Herbals
Telephone: 302-544-0391
Contact Name: Rachel Binkley
Website »

More information

Show More...
Show Less...

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Tuesdays and Thursdays from 9:30AM-12:00PM Fall session: Thursday, Dec 1st thru Thursday, December 15th Winter session: Tuesday, January 17th thru Thursday, March 30th   Drop in on Nature is...

Cost: see description

Where:
The Annex
501 Chandler Mill Rd
Kennett Square, PA  19348
View map »


Sponsor: The Land Conservancy
Telephone: 610-347-0347 ext.104
Website »

More information

Sports Card & Collectible Show at Aetna Fire Hall on Jan. 22—sign up now! -Sports Cards McFarlane Figures Comic Books Non-Sports cards Wrestling Items Vintage Starting...

Cost: $2

Where:
Aetna Fire Hall
400 Ogletown Road
Newark, DE  19711
View map »


Sponsor: A2Z Promotions
Telephone: 302-983-2636
Contact Name: Bob Harper
Website »

More information

Thursdays from 4:00PM-5:30PM Fall session: December 1st, 8th and 15th Winter session: Starts January 19th, every other Thursday until March 30th This program is based entirely outdoors and is...

Cost: Cost: $30 for TLC members / $40 for non-members

Where:
Bucktoe Creek Preserve
432 Sharp Rd
Avondale, PA  19311
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Sponsor: The Land Conservancy
Telephone: 610-347-0347 ext.104
Website »

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Guest speakers Patty Dailey-Lewis, executive director of the Beau Biden Foundation, and Delaware Family Court commissioner Loretta Young will discuss how participation in social media can too...

Cost: Free

Where:
Wilmington University - Doberstein Admissions Ctr.
320 N DuPont Highway
New Castle, DE  19805
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Sponsor: Wilmington University College of Social & Behavioral Sciences
Telephone: 302-295-1164
Contact Name: Dr. Johanna Bishop
Website »

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The 3rd Place and Bike Lane Cafe along with WestSide Grows and Delaware Permaculture bring you the West 7th Street Bazaar.  Happening EVERY 3rd Thursday from January through May, there will be...

Cost: Free Admission

Where:
The 3rd Place
1139 W. 7th Street
Wilmington, DE  19805
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Sponsor: West Side Grows
Telephone: 302-690-9459
Contact Name: Delaware Permaculture
Website »

More information

January 19 – Thursday – 6:30 p.m. Research Seminar: Amyrs Williams (Wesleyan University) – Reimagining the Modern Farm The seminar is open to the public and is based on a paper that is...

Cost: $0

Where:
Copeland Room, Hagley Library
298 Buck Road
Wilmington, DE  19807
View map »


Sponsor: Hagley Museum & Library
Telephone: (302) 65802400
Contact Name: Carol Lockman
Website »

More information

The Resident Ensemble Players, Delaware’s professional acting company performing at the University of Delaware, presents The Bells by Theresa Rebeck. During the great Yukon gold rush of the...

Cost: $15 - $30

Where:
Thompson Theatre, Roselle Center for the Arts
110 Orchard Rd.
Newark, DE  19716
View map »


Sponsor: Resident Ensemble Players
Telephone: (302) 831-2204
Website »

More information

HIGH & MIGHTY BRASS BAND There’s a reason that musical trailblazers from Galactic to DJ Logic have recently chosen to collaborate with High and Mighty Brass Band! and legends such as Dr. John,...

Cost: $15

Where:
World Cafe Live Wilmington
500 N Market St
Wilmington, DE  19801
View map »


Telephone: 215-222-1400
Contact Name: MP Intern
Website »

More information

Show More...
Show Less...

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Sports Card & Collectible Show at Aetna Fire Hall on Jan. 22—sign up now! -Sports Cards McFarlane Figures Comic Books Non-Sports cards Wrestling Items Vintage Starting...

Cost: $2

Where:
Aetna Fire Hall
400 Ogletown Road
Newark, DE  19711
View map »


Sponsor: A2Z Promotions
Telephone: 302-983-2636
Contact Name: Bob Harper
Website »

More information

Tutto Fresco has live entertainment every Friday night from 6:30–9:30 p.m. Call for details. http://tuttofrescode.com/

Where:
Tutto Fresco
514 Philadelphia Pike
Wilmington, DE  19809
View map »

More information

Formed in 1992, Splintered Sunlight quickly became the most popular Grateful Dead Tribute band in the Philadelphia area, gaining praise from Dead Heads and Non Heads alike. Since that time,...

Cost: $10

Where:
World Cafe Live At The Queen
500 N Market St.
Wilmington, DE  19801
View map »

More information

The Resident Ensemble Players, Delaware’s professional acting company performing at the University of Delaware, presents The Bells by Theresa Rebeck. During the great Yukon gold rush of the...

Cost: $15 - $30

Where:
Thompson Theatre, Roselle Center for the Arts
110 Orchard Rd.
Newark, DE  19716
View map »


Sponsor: Resident Ensemble Players
Telephone: (302) 831-2204
Website »

More information

Ah, typecasting—the baritone is always the bad guy! In Devils, Drunks & Dastardly Dudes, we’ll go on an operatic journey of men behaving badly. We’ll add a tenor to the mix, too… but we...

Cost: $29-$59

Where:
OperaDelaware Studio
4 South Poplar St.
Wilmington, DE  19801
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Sponsor: OperaDelaware
Telephone: 302-442-7809
Contact Name: Mary Wilcosky
Website »

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Meeting every Friday, Bayhealth Kent General Hospital, 640 s. State Street, Dover, 7:30 pm., Private Dining Room #3 in the basement. For those who have, or think they may have a gambling problem....

Cost: 0.00

Where:
Bayhealth Kent General Hospital
640 S. State Street
Private Dining Room #3
Dover, DE  19901
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Telephone: 800-855-2CALLGA
Website »

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Amateur and professional creators from the Wilmington community and beyond will sketch, paint and sculpt side-by-side with DCAD students, alumni, faculty and staff as nude and costumed male...

Cost: $30 per person

Where:
Delaware College of Art and Design
600 N. Market St.
Wilmington, DE  19081
View map »


Sponsor: Delaware College of Art and Design
Telephone: 302-622-8000 x 123
Contact Name: Mark Tajzler
Website »

More information

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

From foxes and beavers to cats and dogs, all mammals benefit from open space! Discover the signs of mammals in winter and learn about human impact on mammal habitat and population survival. Join...

Cost: FREE for TLC members / $10 for non-members

Where:
Bucktoe Creek Preserve
432 Sharp Rd
Avondale, PA  19311
View map »


Sponsor: The Land Conservancy
Telephone: 610-347-0347 ext.104
Website »

More information

Sports Card & Collectible Show at Aetna Fire Hall on Jan. 22—sign up now! -Sports Cards McFarlane Figures Comic Books Non-Sports cards Wrestling Items Vintage Starting...

Cost: $2

Where:
Aetna Fire Hall
400 Ogletown Road
Newark, DE  19711
View map »


Sponsor: A2Z Promotions
Telephone: 302-983-2636
Contact Name: Bob Harper
Website »

More information

Come join 16 of your local LuLaRoe consultants for a fabulous, tax free shopping event! We will have an incredible amount of inventory for you to choose from. If you haven’t heard of LuLaRoe yet...

Cost: Free

Where:
Executive Banquet & Conference Center
205 Executive Drive
Newark, DE  19702
View map »


Website »

More information

The Rehoboth Beach Film Society and the Cape Henlopen Educational Foundation are proud to present The Metropolitan Opera’s live broadcast of Charles Gounod’s ROMÉO ET JULIETTE on Saturday,...

Cost: $15 - $25

Where:
Cape Henlopen High School Theater
1250 Kings Highway
Lewes, DE  19958
View map »


Sponsor: Rehoboth Beach Film Society
Telephone: 130-264-59095
Contact Name: Jeri Kaplan
Website »

More information

The Rehoboth Beach Film Society announces the next play in the exciting series of National Theatre Live screenings. National Theatre Live is a groundbreaking project that presents the best of...

Cost: $18-$20

Where:
Cinema Art Theater
17701 Dartmouth Drive, #2
Lewes, DE  19958
View map »


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

More information

Coastal Concerts in downtown Lewes will host a presentation by one of the most recognized, honored and versatile musicians in the world, the legendary two-time Grammy Award-winning clarinetist...

Cost: $30. Ages 10-18 and one adult per youth.

Where:
Bethel United Methodist Church Fellowship Hall
Fourth & Market Streets
Lewes, DE  19958
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Sponsor: Coastal Concerts, Inc.
Telephone: 888-212-6458
Contact Name: Edna Ellett
Website »

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Ovations Dinner Theatre hosts an interactive Mafia Murder Mystery dinner. Ticket includes a 3-course Italian dinner and the performance. Tickets are $45 for Non-Members and Non-Member seating is...

Cost: 45

Where:
Ballroom at University and Whist Club
805 N. Broom St.
Wilmington, DE  19806
View map »

More information

Bethany Beach – When local businessman Tim Hill was diagnosed with amyotrophic lateral sclerosis (“ALS”) in 2014, he set on a mission to help other people who were diagnosed with...

Cost: $20 General Admission

Where:
Frankford Fire Hall
7 Main Street
Frankford, DE  19945
View map »

More information

The Resident Ensemble Players, Delaware’s professional acting company performing at the University of Delaware, presents The Bells by Theresa Rebeck. During the great Yukon gold rush of the...

Cost: $15 - $30

Where:
Thompson Theatre, Roselle Center for the Arts
110 Orchard Rd.
Newark, DE  19716
View map »


Sponsor: Resident Ensemble Players
Telephone: (302) 831-2204
Website »

More information

AM RADIO Have you ever perked up when the radio plays a song that first hit popular stations when you were young? Do you turn the volume up to obnoxious levels and sing along? Music can bring us...

Cost: $10 + FEES

Where:
World Cafe Live Wilmington
500 N Market St
Wilmington, DE  19801
View map »


Telephone: 215-222-1400
Contact Name: MP Intern
Website »

More information

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