The Virginian-Pilot
                             THE VIRGINIAN-PILOT 
              Copyright (c) 1995, Landmark Communications, Inc.

DATE: Wednesday, July 5, 1995                TAG: 9507050083
SECTION: LOCAL                    PAGE: B3   EDITION: FINAL 
SOURCE: ASSOCIATED PRESS 
                                             LENGTH: Medium:   62 lines

SOME VIRGINIANS SPEND UNTRADITIONAL FOURTH FLOOD VICTIMS SKIP PARADES, SPEND DAY APPLYING FOR DISASTER LOANS.

Some Virginians who normally celebrate the Fourth of July at barbecues or parades spent the day filling out loan applications and cleaning up their flood-ravaged homes and farms instead.

Kathleen and Jay Zimmer spent Tuesday shoveling mud from a calf barn and tending to sick cattle on their 600-acre flooded farm in Madison County. They skipped their customary Independence Day picnic, but considered themselves lucky because their house escaped the flood unscathed. But about 100 acres of their land - covered last week with corn - is now a swamp.

``We worked up until noontime, then we're going to try to take naps until choretime,'' Kathleen Zimmer said early in the afternoon. ``We started getting some things ready to take to some people that are much worse than us, but I'm not sure we'll have time to do that.''

Madison County, which is cradled in the foothills of the Blue Ridge Mountains north of Charlottesville, was one of the areas hardest hit by last week's floods. Some county residents applied for disaster relief loans at the Jefferson National Bank's Madison branch Tuesday. The branch opened its doors on the holiday to speed the loan process for flood victims.

The floods, which have been blamed for eight deaths in the state since June 22, prompted area officials to postpone the county fair and cancel a Fourth of July parade in Madison. The Rev. Tommy Palmer decided to hold a celebration of his own by warbling patriotic and country songs outside the bank. His repertoire included ``The Yankee Doodle Boy'' and ``Your Cheatin' Heart.'' He asked passersby to make donations for flood victims.

``We're hoping people will take part of the day to rest. They've been under so much tension,'' said Palmer, 51, pastor of Fairview Christian Church in Hood, about seven miles west of Madison. ``I'm performing songs of long ago that they grew up with, got courted by, raised crops by - it makes them feel good.''

About 15 miles away in Culpeper, as many as 10,000 people were expected for Fourth of July games, arts and crafts and fireworks in an area around Yowell Meadow Park. Children's games were planned in a low-lying area that was flooded. A plastic duck race was held on the water instead.

``We looked at the puddles and we thought we needed to make the best of this,'' laughed Nancy Price, executive director of the Culpeper Renaissance, a coalition of businesses that helped organize the festival. Price said donations collected from some festival games would go to the Red Cross for flood relief.

In central Virginia, Fourth of July celebrants watched a colonial-era blacksmith, basket weaving and other demonstrations at Thomas Jefferson's Poplar Forest near Lynchburg. A reading of the Declaration of Independence also was featured at Poplar Forest, an octagonal brick home Jefferson built in 1806.

But the floods weighed on the minds of many in the area.

Just a mile and a half from the third president's retreat, flooding triggered a dam to break two weeks ago. A motorist and rescue worker drowned.

KEYWORDS: FLOODS by CNB