Interviews with 725 North Carolina farm operators revealed: the extent of economic, social, and emotional stresses on farm families; perceptions of the future of agriculture; the degree of reliance on off-farm income; financial management practices; and programs needed from the Agricultural Extension Service. Almost 66% viewed their future in farming as doubtful. Although most farmers planned to keep operations at about the same level over the next 2 years, 9% indicated plans to leave farming (the majority planning to retire). A majority of farmers thought friends, neighbors, and human service agencies were providing adequate support. Reported levels of personal stress were higher among farmers who reported 200 or more days of on-farm work compared to those who reported fewer days. Although over 66% reported at least one potential source of retirement income (usually social security benefits), households most dependent on farm income were less likely to have a potential source. Most farm operators reported keeping financial records, primarily income and cash flow statements and balance sheets. The North Carolina Agricultural Extension Service was the most-mentioned information source for farm record-keeping advice. Respondents indicated a strong demand for financial management programs from the North Carolina Agricultural Extension Service. (NEC)