Thanks for your response.  You must've just beat me here by a matter of a few minutes ;-)
I've spent a large part of the day frustrated by this.  Of course it turned out to be something real small.  I just couldn't understand why, no matter what I did, my many-to-ones would be eagerly fetched.  Through lots of trial and error, I discovered that having,
not-found=true, 
causes the lazy fetching to be quietly turned off.
Of course, once I identified the problem I knew which key words to search on and found a discussion on it here.
http://forum.hibernate.org/viewtopic.php?t=945431&highlight=proxy+notfound
Thanks again for your effort.