Hi Skeeter,
Terriers are intelligent and have good temperaments, but they are rarely good water dogs. In my experience many of them will avoid water at all costs. Of course, if they see a squirrel they'll jump out of the boat, run through fire and jump off a cliff to get at it. Border collies aren't afraid of water like terriers are, and they are very trainable dogs. Just make sure you keep them busy -- nothing worse than a bored border collie.
Thanks for avoiding puppy mill breeders, especially since MO is the Mecca of puppy mills. Lots of great dogs at Pet Search Results: Adoptable Dog Pets in Lebanon, MO: Petfinder