About Us

The Cross Reference, a directory of Bay County, Florida Christians in business, began in 2003 with a yearly printed publication. In order to keep up with the current times, we made the decision to become an online only directory starting in 2019….saving trees and reducing advertiser costs!  After all, don’t we all go online to search for information nowadays…whether it be a person/company to hire or a new restaurant to try?


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.”


Interested in advertising?  Click here to get started!

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.”


The Cross Reference
946 Rosemont Dr.
Panama City, FL 32405



(850) 866-1299