(26 mile round trip ride on rolling moderate hills – County Blacktop Roads).  Begin at the historical Shelby County Courthouse (6th & Court St.) and begin riding North on 6th St. to Cyclone Ave.  Turn Left onto Cyclone Ave. and ride West on Cyclone until you reach 12th St.  Turn Right on 12th St. and ride North on 12th St. out of the city limits.  (12th St. becomes Linden Road).  Continue on Linden Road until you reach the intersection of F32.  Turn Left on F32 and follow West to the Intersection of F32 & Hwy 59.  Carefully cross Hwy 59 and continue West on F32 approximately 4 miles (you will see the small town of Westphalia on your right).  Continue past Westphalia – staying on F32 – passing Intersection of M16 also.  Continue West on F32 until you reach the Intersection of Hwy 191.  Turn Right on Hwy 191 and ride ½ mile into the town of Panama.  Turn Left on Main Street.  On the corner you will see Shelby County State Bank (there is an ATM at that bank location (102 Main St., Panama, Ia.  PH:  712-489-2424) .  Also on Main Street you will find food and beverages at Pauley’s Pub (106 Main St., Panama, Ia.  PH:  712-489-2786), Norma Jean’s Restaurant (120 Main St., Panama, Ia.  PH:  712-489-2108), and also The Main Street Market Store (202 Main St., Panama, Ia.  PH:  712-489-2601).  See also the beautiful St. Mary’s Catholic Church and new Parish Center – just one block from Main St.).  Return same route to Harlan.