Thanks to the list for 1) Helping = identify the problem - yes it is the starter and 2) helping use my multimeter = correctly. Both batteries are fine 12 and 14 volts for old and new, = respectvely.
 
A few gentle taps of the hammer on = the starter and crank, crank, it started fine.
 
So now the question is - how much = time does it take to change a starter and how tough is it?  What does a rebuilt = starter cost?
 
Thanks again!
 
Dave