I Sugar Produces Bright Fall Colors In Leaves It’s not an early frost, as com-! monly supposed, that produces the f most colorful autum leaves, says * the United States Forest Service. * It’s a late frost—and the sugar in the leaf—that gives us the brilli ant colors. Just the right combi nation of temperature and moisture is needed. The best colors come when the thermometer doesn’t quite reach the freezing point for sev eral weeks during the latter part of September and through October. Siliviculturists explain that be fore leaves fall a layer of cells ,fforms at the base of the leaf, w'hich ultimately loosens the leaf, and, when it drops off, forms a scar. If frost doesn't arrive too soon, this layer forms early and quickly. It holds more sugar in the leaf and the sweet sap causes the brilliant and red oranges and yellows that de^igjht fthe eye. T h|ls is not only true of sugar maples in the north but of most of the colorful hard wood trees—the oaks, elms, birches, other maples, sweet gum, black gum, hickory, dogwood, and many others. When frost comes too early the leaves dry and lose their sugar before they have time to take on high color. Farm Debt Adjustment Under Re-settlement “New lift is being instilled into the government’s efforts to help end the tragic story of farm fore closures,” L. R. Leonard, fieldman for the regional farm debt adjust ment office at Lincoln, Nebr., said during his recent visit to Holt county. This work has been transferred from the farm credit administra tion to a unit operating under the rural resettlement division of the resettlement administration; ac cording to Mr. Leonard. Since 1933 groups of unselfish citizens have been working with out pay in their own counties all over the nation in an effort to bring debtor and creditor together in.a friendly atmosphere where they may see each others problem and | work out a voluntary agreement benefiting both parties. A part, at least, of the travel and other expenses inctrred by these committees is now to be met out of the funds recently se\. aside from the works appropriation, for debt concilliation throughout the nation. The committee for Holt county is composed of the following: John ^ A. Robertson, J. K. Ernst, O’Neill; John A. Carson, Redbird; Frank Murray, Atkinson. “Any depres sed farm debtor or any creditor who desires help in reaching a sat isfactory adjustment of mortgages or other debts is invited to call on any member of this committee,” Mr. Leonard said. Local and district rehabilitation supervisors will be responsible for assisting these county committees in working out satisfactory ad justments, and fieldmen from the regional debt concilliation office, will, in turn, give advice and as sistance both to the committees and to the rehabilitation supervis ors. STATE 4-H STATE CHAMPIONS NAMED Nebraska’s 1935 4-H champions in all projects are named this week. All are outstanding rural youths who have achieved outstanding suc cess in their 4-H work. The Champions: Elsie Berna sek, Fillmore county, canning; Ag nes Bruss, Lancaster county, cook ing; Keith Gilmore, Custer county, baby beef; Frank Krivohlavek, Sal ine county, swine; Mervin Aeger te, Seward county, Thomas Wilson meat award. All of the winners, except Aeger ter, will receive prize trips to the National Club Congress held an nually in Chicago the latter p&rt of November. Aegerter will com pete for district and national com petition in the meat animal project. Keith Gilmore had the grand champion baby beef at the Nebras ka state fair in 1934 and has been outstanding in the beef project. He lives near Calloway on a farm. Frank E. Krivolavek is but 16years of age and is now in the 12th grade in school at Dorchester. He was in the “blue ribbon” group in the sate 4-H health contest this year. Probably better known in 4-H circles than any other rural Ne braska youth is Mervin Aegerter who this week is winding up a most brilliant club career by exhibiting potential champion animals in the Ak-Sar-Ben livestock show. He has a long string of major victories to his credit. Prances Rehmeier is another long-time competitor in 4-H work. She has exhibited live stock of all types and home econ omics work at county, state and national contests and has won numerous awards. Both Elsie Bernasek and Agnes Bruss are prominent 4-H workers and leaders. The former is attend ing the Nebraska college of agri culture now and Agnes is in Ne braska Weslyan where she won a scholarship for her 4-H achieve ments. SOIL TESTING SERVICE. Samples of soil and other mater ials for analysis are received by the Agronomy Department of the University of Nebraska frequently enough to make it advisable to ex plain the uses and limitations of the tests and suggest how to take fuller advantage of them. Anyone wishing to have soil tested usually has several questions in mind. He wants to know what is lacking in the soil, whether it is practicable to supply what is lacking, what crops will grow best on the soil as it is, and what crops will show the greatest response to soil treatment, if treatment is ad visable. The success and accuracy of the tests depends upon several factors which includes the location of the aera from which the sample is taken, previous crops, length of time legumes have been on it and other crop practices. Anyone in terested in obtaining a report on a soil sample should send the sample to the Department of Agronomy, Agricultural College, Lincoln, Ne braska. Information blanks are on hand at the Agricultural Agent’s office. The service is free of charge unless a special analysis is asked for, when the cost of materials is added. Every individual in the latter case is notified before the test starts. The resettlement Administration is progressing rapidly in this county and we already have appli cations from 48 clients to date who are in financial difficulties. Many of these clients are calling at our office on days when I am in my other county or when I am in the field and as a result do not get to contact them on their situation. It will be necessary that you call at our office and your individual situation thoroughly discussed and a plan of procedure developed. I will be in the O’Neill office on Sat urdays only of each week and it will be useless to call at any other time. RAY L. VERZAL, Resettlement Supervisor Antelope and Holt counties. BRIEFLY STATED Charles Richardson is reported to have bought the Wesley Sanford residence. Pat Boyle, Sr., rancher 12 miles southeast of Chambers, was in O’Neill Wednesday. Mr. and Mrs. George Mitchell and family last Sunday went to Emmet to visit relatives and friends. Mr. and Mrs. John McManaman, of Spalding, visited Pat and Janies Boyle and families here last Fri day. Mr. and Mrs. Emmet Croft have moved from Wagner, S. D., to O’Neill and occupy the Ed. F. Por ter residence. Mrs. George Mitchell visited friends at Norfolk, going down on Tuesday morning and returning that evening. Tuesday forenoon boys of certain ages received a rare treat when the public school was dismissed while a furnace was reconditioned. Mr. and Mrs. Charles Manson, on Tuesday at their home, gave a dinner honoring Miss Cleta Van Every, who that day celebrated a birthday. Spencer high school plays O’Neill public high school here on Armis tice day, November 11, next Mon day on the gridiron a student re ported to The Frontier. Virgil Johnson, Alberta Van Every and Ray and Lawrence Bab cock visited at the home of Mr. and Mrs. John P. Miller near Emmet last Sunday afternoon. Mr. and Mrs. George Van Every at their home in southeast O’Neill Wednesday at 7 o’clock p. m., gave a dinner in honor of the birthday of their daughter, Clara. Mr, and Mrs. Bernard Matthews came up from Norfolk last Satur day night and visited relatives and friends in this city over Sunday, returning to Norfolk that evening. Mr. and Mrs. Carl Pettijohn pur chased of A. V. Virgin a wind pow ered electric generator capable of lighting four" rooms and operating a radio, without any additional cost. The icy condition of spots in the streets and on sidewalks the fore part of the week caused numerous persons to fall, but as far as known, no one suffered serious in juries. Laverne and Marvin Van Every, who have been house-runners on the John Dumpert dairy wagon here for several months, have re signed to concentrate on school studies. Pete Todson went down to Nor folk Wednesday morning to attend a meeting of the managers of the J. C. Penney stores in northeastern Nebraska. He returned home Wed nesday night. Additional reasons why a new court house should be constructed now: A great saving on fuel would be possible in a new build ing. Building material prices may rise sharply within the next five years and no one knows what labor will command in future. And labor needs the exercise right now. An oyster supper was held Mon day evening at the home of Mr. and Mrs. Victor Johnson, west of this city. Those present were: Wayne Snyder, Mr. and Mrs. Lett Johnson and family; Mr. and Mrs. John Miller; Helen O’Connell; Al berta \ar. Every; Grandpa Hayes and Ray and Lawrence Babcock, of Humbolt, the latter two being the guests of honor. . , _ , , . . . . Today you can use a winter oil which builds itself right into the "innards" of your engine. That is, a certain portion of Conoco Germ Processed Oil really forms a BOND with metals, and stays on continuous duty where all the worst friction used to come. This uncanny action, created by the patented Conoco Germ Process, automatically wipes out the costliest winter wear . . . "Dry, ” unlubricated, wracking starts? ... Not with the oil that’s Germ Pro cessed to stay-up on the job every min ute, every hour, every day that you park—“whatever the weather” ... Not when Germ Processed Oil has become a part of all metal surfaces . . . Not B with the Hidden Quart, which has en- I abled many an engine to run with the crankcase absolutely empty—in veri fied show-down tests. And this same patented Germ Pro cess means extra protection not only for the conventional babbitt bearings, but for the newest bearings—whether copper-lead, high-lead or cadmium-alloy. Germ Processing also creates the high durability oil film . . . hence a light, free-flowing winter oil that’s tougher too, for the toughest going of all the year. You and your Conoco man can make this whole Winter “act gentle' to your motor, beginning today. Drive m. CONTINENTAL OIL COMPANY • Established 1875 ■ A short run to this sign— a tong run for your money Your correct grade always available—including 10VI/ or 20 W Sold by ARBUTHNOT & REKA SERVICE STATION Across the street from the Public Library O’NEILL, NEBRASKA £ « k .... „ . . Hi New "Demander” Every 15 Seconds css * % In this country a new baby arrives about every 15 seconds. Babies demand many things—among them telephone service. At first, others do the calling for them—but before long they are tele phoning themselves. It's an immense undertak ing to meet the telephone needs of this great and growing country. The people of the United States have more than half the world’s telephones. In relation to population, they telephone nine times as much as Euro peans. Such great use of telephone service is evidence of its hi$h quality, its great value and its low cost to telephone users. The telephone needs of our customers are met better and at less cost because of the Bell Sys tem, now over 50 years old. It includes the American Tele phone and Telegraph Company, the Bell Telephone Laborato ries, the Western Electric Com pany and 24 associated oper ating companies of which this Company is one. As a part of the Bell System, this Company receives from the American Telephone and Tele graph Company expert advice » and assistance in every phase of the telephone business, including research work, the design and manufacture of equipment and the right to use more than 15,000 telephone patents. Through the advice, assist ance and services obtained from the American Telephone and Telegraph Company, this Com pany and other Bell operating companies are able to make constant improvements in tele phone service and at the same time keep down its cost to the public. NORTHWESTERN BELL TELEPHONE COMPANY Charter No. 6770 Reserve District No. 10 REPORT OF THE CONDITION OF The O’Neill National Bank of O’Neill, in the State of Nebraska, at the close of business on November 1, 1936. Published in response to call made by Comptroller of Currency, under Section 5211, U. S. Revised Statutes. ASSETS Loans and discounts_ $ 62,689.66 Overdrafts_—— 192.84 United States Government obligations, direct and-or fully guaranteed- 176,541.00 Other bonds, stocks, and securities - 84,707.81 Banking house, $3,200.00. Furniture and fixtures, $1,600.00_ 4.800.00 Real estate owned other than banking house- 1.00 Reserve with Federal Reserve Bank-$131,521.26 Cash in vault and balances with other banks- 176,766.32 Outside checks and other cash items.. 329.23 308,616.81 Other assets _ 2,302.09 Total Assets ...-____$639,850.70 LIABILITIES Demand deposits, except United States Government deposits, public funds, and deposits of other banks ... $300,528.06 Time deposits, except postal savings, public funds and deposits of other banks_ 98,477.47 Public funds of states, counties, school districts, or other subdivisions or municipalities- 72,838.22 United States Government and postal savings deposits ____ 872.73 Deposits of other banks, including certified and cashiers’ checks outstanding - 33,672.61 Total of above five items: (a) Secured by pledge of loans and-or investments---$ 36,097.58 (b) Not secured by pledge of loans and-or investments _ 470,291.50 (c) Total Deposits ___$506,389.08 Capital Account: Common stock, 500 shares, par $100 per share_ 50,000.00 Surplus_ 50,000.00 Undivided profits—net___ 33,461.62 133,461.62 Total Liabilities - $639,850.70 MEMORANDUM: Loans and Investments Pledged to Secure Liabilities United States Government obligations, direct and-or fully guaranteed ___$ 46,000.00 Total Pledged (excluding rediscounts)-$ 46,000.00 Pledged: Against public funds of states, counties, school districts or other subdivisions or municipalities —-- 46,000.00 Total Pledged ___$ 46,000.00 State of Nebraska, County of Holt, as: I, S. J. Weekes, President of the above-named bank, do solemnly swear that the above statement is true to the best of my knowledge and belief. S. J. WEEKES, President. Sworn to and subscribed before me this 6th day of November. 1935. [Seal] MARJORIE DICKSON, Notary Public. My Commission expires June 5, 1941. Correct—Attest: Emma Dickinson Weekes, E. F. Quinn, F. N. Cronin, Directors. (This bank carries no indebtedness of officers or stockholders,)