KATE KLIMO grew up in the little town of Sea Cliff, with the Stenson Memorial Library just down the street from her house. She got her first wallet when she was eight, not for money but to hold her library card. She can still remember exactly where on the shelves her favorite books of fantasy sat. In Middletown, New York, where she and her husband Harry raised their three sons, the library is housed in a wonderful old railway station-and from there, she and her family have taken many memorable trips.