Joseph J. Harding, III, President, formed Harding & Associates, Inc. in 1979 and has gradually expanded the scope of services the firm offers. His development experience includes site evaluation and acquisition, demographic analyses, budgeting, national and local tenant lease negotiations, as well as identification and analysis of properties for investors. He is a general partner in several real estate related partnerships and serves as a Trustee for Regency Bank of Illinois with responsibility for overseeing a real estate investment in the bank's portfolio. He also served as an advisor to STRATEGIC SERVICES, INC., a real estate advisory firm. Prior to the formation of Harding & Associates, Inc., Mr. Harding was affiliated with THALHIMER, based in Richmond, Virginia, as a commercial broker for nine years. In addition to special projects where he assembled over 400 parcels for the Richmond Development and Housing Authority, he specialized in land development, retail and office leasing. Mr. Harding received his B. S. degree from the University of Richmond, School of Business. He is a member of the National Association of Realtors and the Virginia Association of Realtors and holds the Certified Commercial Investment Member (CCIM) degree. He is past president of both the Richmond Commercial Multiple Listing and the Richmond Real Estate Group. Harding & Associates, Inc. is also a member of the International Council of Shopping Centers.