BEGIN:VCARD VERSION:3.0 FN:St Margaret URL;TYPE=WORK:http://www.knockholtandhalsteadchurches.org GEO:51.331470;0.137329 REV:20160603T093847Z SOURCE:https://www.joinmychurch.com/vcards/St-Margaret-Halstead-Kent-United-Kingdom/130062 CATEGORIES:Church of England 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 ORG:St Margaret NOTE:Sunday Holy Communion A traditional said service of Holy Communion in a quieter and more reflective atmosphere. Every first Sunday at 8:00 AM for ¾ - hour Choral Matins A traditional service of Morning Prayer with hymns, psalms, canticles and prayers structured around two Bible readings. The worship is led by the Choir. Every second Sunday at 9:00 AM for ¾ - hour Family Service A short, informal service tailored for all ages, from toddlers to older people. A screen is used for the words of lively traditional and modern hymns and illustrated talks. This is the service most suitable for children, lasting about 45 minutes. We encourage baptisms to take place at this service. A crèche is provided. Every first Sunday at 9:30 AM for ¾ - hour Family Communion A modern language service of Communion with crèche facilities for pre-schoolers and activities for school aged children. Every third Sunday at 10:30 AM for ¾ - hour TEL;TYPE=WORK,VOICE:01959 532133 TEL;TYPE=WORK,FAX: N:St Margaret ADR;TYPE=WORK:;;Church Road;Halstead;Kent;TN14 7HQ;United Kingdom END:VCARD