New exciting additions coming this year!

Don’t miss out, call bobby at 850-866-1299 today!

If you can’t get someone or something out of your head, maybe they are supposed to be there.

"If you can’t get someone or something out of your head, maybe they are supposed to be there."

~Unknown
We’ll be friends til we’re old and senile, then we’ll be new friends.

"We’ll be friends til we’re old and senile, then we’ll be new friends."

~Unknown
A long life may not be good enough but a good life is long enough.

"A long life may not be good enough but a good life is long enough."

~Benjamin Franklin
Good friends don’t let you do stupid things….alone.

"Good friends don’t let you do stupid things….alone."

~Unknown
If I send you my UGLY SELFIES, our friendship is real.

"If I send you my UGLY SELFIES, our friendship is real."

~Unknown

19 Short Christian Stories You Won't Believe. But true!

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  • And many more useful LOCAL links

Get your laugh on...

Get your read on...

Local pastors and others tell us what’s “Close To My Heart”

Local pastors tell us their “Favorite Stories”

Local pastors and business men and women tell us their “Testimony/God Stories”

Local pastors and business men and women answer “Difficult Questions”

Local pastors answer “If this was the very last sermon I would ever preach…”

What is The Cross Reference?

The Cross Reference is a directory of  Panama City / Bay County, Florida Christians in business. We hope you enjoy. As always, our advertisers each signed the following statement of faith:

“I have accepted Jesus Christ as my personal Lord and Savior. I believe in the Word of God as contained completely and only in the Old and New Testaments of the Bible (Genesis through Revelation). I also believe in the Holy Trinity: God the Father; God the Son; and God the Holy Spirit.”

Our Mission Statement

Galatians 6:10 which says in effect: “As Christians, we are to help everyone, but in particular, members of the household of faith.”