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A Hcconnalsijance.
Mr. Rawson's mule had strayed
l " away , and Pomp had been sent to find
" It. Instead of running along the road
. dn the direction in which the mule
f I 3iad been last seen , Pomp scrambled
I I " . up , Prospect Hill as far as he could
I co , and surveyed the countryside.
. - When he returned in triumph with
! i' the ; mule an hour later , Mr. Rawson
f inquired why : he had wasted time
! climbing the hill.
'Tv.-a'ii' no waste ob tirne ! " said
/
Pomp , indignantly. "Don't you know ,
j SMr. r Rawson , sah , dat a mewel is one
( . iob dose animals you : Is got t' 'proach I
i ' \ . Jrom de front end fob. yo' own safety ?
! , .
' I ! , An' how could I 'proach dat mewel
. from : de front end till I knowed what
, . 'i Che was ? "
: ,
j PROVED BY : TIME.
.
q
I No Fear of Any Further Trouble.
. ! ' David Price , Corydon , Ia. , says : "I
. % as in the last stage of kidney trou
t / ble . - lame , weak , run down to a mere
o skeleton. My back
9 was so bad I could
hardly walk and the
I kid n e y secretions
much disordered. A
; 1 . week after I began
. using Doan's Kidney
I ' -Pills I cpuld walk
$ " without a cane , and
i I ' . . as I continued my
i health gradually . re
1 I turned. I was sd
, ,
, grateful I made a public statement of
jny case , and now seven years have
1t 1 t passed , and I am still perfectly well. "
; , Sold by all dealers. 50c. a box
N I' ' ! IPoster-Milburn Co. , Buffalo , N. Y.
I
I , ' FASHION HINTS
. ,
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. Here's - a . nove suggestion for the gii ;
t lio is hunting for something really new.
' The full kilted skirt is topped by an apron
over-skirt and the sleeve is all in one with
the . . blouse. : , On the right girl it would b .
' I. pery fetching.
Supported by Scripture.
The story goes that a certain oellegi
president in Indiana , a clergyman ,
/Was addressing his students at the be-
-ctnning of the college year. . .
He observed to them that it ' was a
" "matter of congratulation to all the <
friends of the college that the year :
ttad opened with the largest freshman
lass in its history. " ,
Then , without a pause , says Llppin .
tott's Magazine , the good man turner
. to the lesson for the day , the Third
Psalm , and began to read in a loud
, roice :
"Lord , how are they increased thai
trouble me ! "
. THREE REASONS.
+ Zaeh with Two Legs and Tea
Fingers.
A Boston woman who is a fond
- > ) ther writes an amusing article
about her experience feeding her boys.
Among other things she says :
. "Three chubby , rosy-cheeked boys , Bob !
i Jack and Dick , aged 6 , 4 and 2 years
respectively : , are three of our reasons
ior using and recommending the food , ,
Grape-Nuts , for these youngsters have
been fed on Grape-Nuts since infancy ,
,
and often between meals when other
. children would have been given can-
- dy.
dy."I
t "I gave a package of Grape-Nuts to
. a neighbor -whose 3-year-old child was
a weazened little thing , ill half the
time. The little tot ate the Grape-
' Nuts and cream greedily : and the
mother continued the good work and
it was not long before a truly wonder-
ful change manifested itself in the
child's face and body. The results
were remarkable , even for Grape-
11Tuts.
"Both husband and I use Grape-Nuts
every day : and keep strong and well
I and have three of the finest , healthiest
boys you can find in a day's march. "
; ' Many \ mothers instead of destroying
-the children's stomachs with candy
and cake give the youngsters a hand-
. ful of Grape-Nuts when they are beg-
. . .ging for something in the way of
sweets. The result is soon shown in
, ,
greatly increased health , strength and
mental activity.
. ; "There's a Reason. "
/ Look in pkgs. for the famous little
. _ , ' , ' . ' -book , "The Road to Wellville. "
. : ? A
. " Ever read the above letter
new one appears from time to time.
" They are genuine , true , and full of
.
. _ - ' - -
' " interest ,
fcutnan
" ' . um&u _
, .
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tB. . _ . . . . .oii1I ! !
+ -H + - + + - + # H +
+ +
t The e i
Main
t
Chance
It . . '
BY
Meredith Nicholson
O- " ' KIGIIT 1903
THB BouDb-MEKKiLi. COMPANY
+ + + + +
- , - .
CHAPTER XXII. i
There was much to do , and John Sax
ton had been back and forth twice be-
tween the ranch house and the village ;
before the sun had crept high into the
heavens. The little village had been slow
to grasp the fact of the tragedy at its
doors which had already carried its name
afar. There was much to do and yet it
was so pitifully little after all ! Wan
Raridan was dead , and eager men were
scouring the country for his murderer ; ;
but John Saxton sat in the room whe :
Warry had died. It seemed to John that
the end had come of all the world. He
sharpened his grief with self-reproac
that he had been a party to an exploit so s
foolhardy : they should never have at-
tempted a midnight descent upon an un- ,
known foe ; and yet it was Raridan's own
plan.
plan.Saxton had ministered to the boy Grant
with characteristic kindness. Grant ' kne
now of Warry's death , and this , with his
own sharp experiences , had unnerved bin .
He clung to Saxton , and Jolin soothed
him until he slept , in one of the upper <
chambers
Wheaton stood suddenly in the door , ,
and beckoned to Saxton , whe went out t to
him. They had exchanged : ; no words since
that moment when the old bishop's prayt
had stilled the room where Warry Rar
dan died. Through the events of tlie
morning hours , Wheaton had been merely
a spectator of what was done-Saxton
bad hardly noticed him , and glancing r..t
Wheaton now , he was shocked at the look
of great age that had come upon him.
" to minute-
"I want to speak you a
you and Bishop Delafield , " said Wheatoi
The bishop was pacing up and down in i
the outer hall , which had been quietly
cleane , dand put in order by men from the
Tillage. ( Wheaton . led the way to the room
once used as the ranch office.
"Will you sit down , gentlemen ? " He
spoke with so much calmness that the
others looked at him curiously. The bist
op and Saxton remained standing , and
' Wheaton repeated , sharply , "Will you sit
down ? ' The two men sat down side by
side on the leather-covered bench that
ran around the room , and Wheaton stood I
up before them. !
"I have something to say to you , be- :
fore you - before we go , " he said. Thei
silence seemed to confuse him for a mo '
ment , but he regained his composure. " He
looked from Saxton to the bishop , who
nodded , and he went on :
"The man who killed Warry Raridan
svas my brother. " lie said , and waited.
Saxton started slightly ; his numbed i
senses quickened under Wkeaton's words ,
and in a flash he saw the explanation of ,
many things.
"He was my brother , " Wheaton went .
on quietly. "He had wanted money from
me. I had refused to help him. He car-
ried away Grant Porter thinking to In-
jure me in that way. It was that , I think ,
as much as the hope of getting a large
sum for the boy's return. "
A great quiet lay upon the house ; the <
two men remained sitting , and Wheaton
stood before them with his arms crossed ,
the bishop and Saxton watching him , ant
Wheaton looking from one to the othci
of his companions. Contempt and anger
vere rising in John Saxton's heart ; but
the old bishop waited calmly ; this wa
not the first time that a troubled soul
lad opened its door to him.
"Go on , " he said , kindly.
"My brother and I ran away from rtie
ittle Ohio town where we were born.
Our father was a harness maker. I hated
the place. I think I hated my father
and mother. " He paused , as we do
ometimes when we have suddenly spoken
a thought which we hare long carried in
our heart but have never uttered. The
words had elements of surprise for James
Vheaton , and he waited , weighing his
words and wishing to deal justly with
himself. "My brother was a bad boy :
he had never gone to school , as I had ;
he had several times been guilty of petty
stealing. I joined him once in a theft ; !
we were arrested , but he took the blame .
and was punished , and I went free. I
'
am not sure that I was any better , or
that I am now any better than he is. !
But that is the only time I ever stole.1
Saxton remembered that Warry hod
once said of James Wheaton that he
would not steal.
"I wanted to be honest ; I tried my
best to do right. I never expected to do
as well as I have - I mean in business
nnd things like that. Then after all the
years in which I had not seen anything !
of my broJier he came into the bank ono
day as a tramp , begging , and recognized
me. At first I helped him. I sent Lira
he > \e ; you will remember the man Snyder
you found here when you- : came , " turning
to Saxton. "I knew you would not keep
him. There was nothing else iliat I
could do for him. I had new ambitions , "
his voice fell and broke "there " ,
, were -
there were other things that meant a
great deal to me-I could not have him
about. It was he who assaulted me one
ight at Mr. Porter's house two yea-s
ago , when you , " he turned to the bishop
"came up and drove him away. After
that I gave him money to leave l the coun-
trJ' and he promised to stay away ; but
he began blackmailing me again , an-i 1
ought [ then that I bad done enough for
him and refused to help him any more.
"hen Grant Porter disappeared I know
at : once what had happened. He had
threatened-but there is something
mething wrong with me ! "
These last words broke from him liku
a cry , and he staggered suddenly and
would have fallen if Saxton had no !
sprung up and caught him. He recovered
lickly and sat down on the bench.
"Let us drop this now , " said Saxton ,
.tanwng over him ; "it's no . time - "
. .
, . ,
I .
- - . ; : , . - - - ; ;
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- - ' _ : : : : : " ' - . : - : : - - - A - " - . ' - - .
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I.\o _ _ _ _ _ . .J. . -
-
: "There's something wrong with uie , "
said Wheaton , huskily , without neeJiu ,
and a : : ton drew back from him. 'I was
0 vain. cowanlJy : f . nh But I did the best
1 could. " he pz i ; sd bis hand over his
: ace , and his m. : ; i-rs crept nervously to
his collar , "but it wasn't. any use ! It
wasn't any use I" ! He turned again to
the bishop. "I heard 3ou preach a ser-
mon once. It was about ouropportun / -
ties. You said we must live I in the open.
I had never thought of that before " and
he looked at the bi. hop with a foolh
' grin on his face. lIe stood up sudde" ! .i } :
and ( extended his arms. "Now : I WlIlt
you to tell me what to do. I want to he 1
punished ! This man's blood is on my
hands. I want to be punished ! " And he
sank to the floor in a heap , repeatin ,
as if to himself , "I want to be punisi
ed I" !
I"There
There are two great crises in the lif' :
of a man. One is that moment of Jis-
closure when for the first time he rec-
ognizes some vital weakness his own
character. The other comes when , under <
stress , he submits this defect to the eyes < '
of another. James Wheaton hardly kne
when he had realized the first , but ht
was conscious now that he had passed
the second. It had carried him lik- a
high tide to a point of rest ; but it WI'S
a point of helplessness , too.
"It isn't for us to punish you , " the
bishop began , "and I do not see that 'OU
have transgressed any law. "
"That is it ! that is it ! It would be
easier ! " moaned Wheaton. John turne
away. James Wheaton's face was not
good to see.
"Yes , it would be easier , " the bishop
continued. "I can see that in going back
to Clarkson many things will be hard
"
for you -
"I can't ! Oh , I can't ! " He still
crouched on the floor , with his arms ex-
tended along the bench.
"But that is the manly thing for yoi .
If you have acted a cowardly part , noi "
is the time for you to change , and yo
must change on the field of battle. I can
imagine the discomfort of facing your
old friends ; that you will suffer keen hi -
miliation ; that you may have to begin
again ; but you must do it , my friend , if i
you wish to rise above yourself , and yo
may depend upon my help. "
The old man had spoken with empha-
sis. but with great gentleness. He turned
to Saxton , wishing him to speak.
"llie bishop is right. You must go
bac-k with us , Wheaton. " But he ! did not
say that he would help him. John Sax-
ton neither forgot nor forgave easily. He
did not see in this dark hour what he
had to do with James Wheaton's affairs.
But the Bishop of Clarkson went over
to James Wheaton and lifted him up ; it
was as though he would make the physi-
cal act carry a spiritual aid with it.
"We can talk of this to better purpose
when we get home , " he said. "You are
broken now and : see your future darkly ;
but I say to you that you can be re
stored ; there's light and hope ahead for :
you. If there is any meaning in my :
ministry it is that with the help of God
a man may come out of darkness into <
the light again. "
There was a moment's silence. Whea-
ton sat bent forward on the bench , with
his elbows on his knees and his face in
his hands. s"w
"They are waiting for us , " saTd Sax-
ton. .
ton.A
A special train was sent to Great Riv- -
er , and the little party waited for it on
the : station platform , surrounded by
awed villagers , who stood silent in the
presence of death and a mystery which I
they : but dimly comprehended. Officers
of the law from Clarkson came with the
train : and surrounded Bishop Delafield ,
Wheaton { and Saxton as they stood with
Grant Porter by the rude bier of Warrj
Raridan. The men answered many ques- -
tions and the sheriff of the county took
he : detectives away with him. Margrave \
had sent his private car , and the return-
ing party were huddled in one end of it ,
save ; John Saxton : , wlro sat alone with
the . body of Warry Raridan. The train
was to go back immediately , but it wait-
ed for the west-bound express which fol-
lowed It ; and passed the special her ? .
There was a moment's confusiou as the
special with its dark burden was switch-
ed into a siding to allow the regular
train to pass. Then the special returned
to the main track and began ! its home-
ward journey.
John sat with his arms folded , sunk
into his great-coat , and watched the gray
landscape through the snow that was fall-
ing fast. The events of the night seemed
lyike a hideous dream. It was an incon-
ceivable thing that within a few hours so
dire a calamity could have fallen. The
very nearness of the city to which they
were bound added to the unreality of all
that had happened. But there the dark
burden lay ; and the snow fell upon the
gray earth and whitened it , as if to
cleanse and remake it and blot out its
color and dread. The others left Saxton
alone ; he was nearer than they ; but late
in the afternoon , as they approached the
city , Captain Wheelock came in and
touched him on the shoulder ; Bishop
Delafield > wished to see him. John rose ,
giving Wheelock , his place , and went
ack to where the old man sat staring
out at the snow. He beckoned Saxton to
sit down by him. ,
"Where's Wheaton ? " the bishop asked.
John looked at him and * at the other
men who sat in silence about the car.
Re [ went to one of them and repeated the
bishop's question , but was told that
Wheaton was not on the train. He had
been at the station and had come aboard
the car with the rest : but he -must have
returned to the station and 'been left.
John remembered the passing of the
west-bound express. and went back and
told > the bishop that Wheaton had not
( > me with them. The old man shook his
llefld and turned again to the window
and the flying ! panorama of the snowy
landscape. John sat by him , and neither
spoke until the train's speed diminished
at : a crossing on the outskirts of Clark-
son. > Then suddenly , hot at heart and
with tears of sorrow and rage in his eyes ,
Saxton said , so that only the bishop
could hear :
"He's a coward ! "
The Bishop of Clarkson stared steadily
out upon the snow with troubled eyes.
CHAPTER , XXIII.
Porter insisted that Margrave should
not ) have the Traction Company at any
price , though the general manager of the
transcontinental was persistent in his
) fers. Margrave did not care to deal
with Porter , who was not , he complain-
ed ! , "an easy trader , " he negotiated with
f jnton and Saxton. After several weeks
of ineffectual effort he concluded that
/
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Fenron and Saxton : were almost as dim-
cult. He called Saxton a "stubborn ; I
brute" to Saxton's face ; but offered to
continue him in a responsible position
with the company if he would help him
with the purchase. He still wanted to
control the company for political reasons ,
but there was also the fact of his having
invested the money of several of his
director-
friends in the Transcontinental
ate. prior to the last annual meeting.
These gentlemen had begun to inquire ,
in a respectful way when Margrave was
going to effect the coup which , he had
been assuring them , he had planned.
They had , they were aware , mo + rights as
against the bondholders ; and aslar -
grace understood this perfectly well , 1 he
was very anxious to buy in the property
at receiver's sale for an amount that ;
would satisfy Porter and his allies , and
give him a chance to "square himself , " as
additional mon-
he put it. This required }
ey , but he was able to command it from
his "people , " for the receiver had dem-
onstrated tuit the property could be 1
made to pay. While these negotiations
were pending , Saxton and Fenton were
able to satisfy their curiosity as to the
relations which had existed between
Wheaton and Margrave. \ Margrave \ had
no shame in confessing just what had I
passed between them ; he viewed it all as
a joke , and explained , without compunc- :
tion. exactly the manner in which he had
come by the. shares wuich had belonged to
Evelyn Porter and James Wheaton.
When Saxton came back from Colo-
rado Porter was ill again , and Fenton
was seriously disposed to accept a price
which Margrave's syndicate had offe ed.
Margrave's : position had grown uncom-
fortable ; he had : to get himself and "his
people" out of a scrape at any cost. His :
plight pleased Fenton , who tried to 'make
Porter see the irony of it ; and this view
of it , as much as the high offer , finall
prevailed upon him. He saw at last the-
futility of securing and managing the
property for himself ; his health had be- <
and Fento
come a matter of concern ,
insisted that a street railway company
would prove no easier to manage - than a
bank.
Porter was , as John had said , "a pe- <
culiar brick , " and after the final orders
of the court had been made , and Saxton's
fees allowed , Porter sent him a chl- k for
five thousand dollars , without comment.
Fenton made him keep it ; Porter had
done well in Traction and he owed much
to John ; but John protested . that he pre
ferred being thanked to being tipped ; but
the lawyer persuaded him at last that the
idiosyncrasies of the rich ought to be
respected.
Poter felt his burdens slipping from
him with unexpected satisfaction. He
grew jaunty in his old way as he chid
his contemporaries and friends for hold-
ing on ; as for himself , lie told them , lIe
intended "to die rested , " and he adjusted
his affairs so that they would give him
little trouble in the futura. The cottage <
which he had bought on the North Shore
was a place they had all admired the
previous summer. Porter had liked it be-
cause : there was enough ground to afford
lawn and flower beds which he cultivated
with so much satisfaction at home. Th <
pl lacs was called "Red Gables , " and Por-
ter had bought it with its furniture , so
that there was little to do in taking pos-
session : but to move in. The Whipples :
were their first guests , going to them in
mid-July , when they were fully installed.
The elder Bostonians whom Porter hac
met the previous summer promptly renew-
ed their acquaintance with him. He had
attained , in their eyes , a new dignity in
becoming a cottager. The previous own-
er of "Red Gables" had lately failed in
business and they found in the advent of
the Porters a sign of the replenishing : ;
of the East from the West , which inter-
ested them philosophically. Porter lack-
ed their own repose , but they liked to
hear him talk. He was amusing and in-
teresting , ariei : they had already found his !
prophecies concerning the markets trust- I
worthy. The ladies l of their families
heard with horror his views on the In-
dian question , which were not romantic ,
nor touched with the spirit of Boston
hilanthropy ; but his daughter was love-
ly , they said , and her accent was wholly
inoffensive.
So the Porters were well received , and
Evelyn was glad to find her father ac-
cepting his new leisure so complacently.
She and Mrs. Whipple agreed that he and
the general were as handsome and inter-
esting as any of the elderly Bostonians
among their neighbors ; and they un-
oubtedly were so.
( To be continued. )
Repartee.
Madame - - Jules , we have been . mar-
ried six months , and you nox longer
love ' me.
Monsieur-My dear ! I -
Madam - Oh , it's no use attempting
to : deny it. You should have married
a stupidier : woman than NIto make
; ich a denial convincing.
Monsieur ( a little huffy-Well ) , It's
not [ my fault. I couldn't find one. -
Le Rire.
She'd 3Ilnd Him.
Hope was three years older than hei
baby brother , and felt herself equal to
jsuming the responsibilities of big
sisterhood. When , therefore , her moth-
er tasked her to "keep an eye" on the
baby and see that he didn't fall out
of bed , Hope answered :
, "Yes , mamma , I'll mind him ; an' if
he falls , I'll call you the minute he
hits the floor. " - ' -Harper's laga7. ne. .
Tlie Trouble.
The poet sat staring at the blank
sheet of paper on the table before
ilim.
"What is the matter , dear ? " asked
his sympathetic better half , as she
passqd her cool hand over his troubled
crow : "What is on your mind ? "
"Nothing , " answered tbft Doet , gloom-
ily ; "nothing , I assure you. That's '
the trouble. " :
Then He Got Busy.
Him What would happen if I vrero
to attempt to kiss you ?
Her-It would scare me awfully.
Him-And would you scream ?
Her-Oh , no. Fright alwnya ren
ders me speechless.
One Explanation.
"I wonder what produces that tired
jling in spring ? " .
"I guess it's thinking about the sum-
mer ; vacation.-Baltimore Ams 1can. !
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STREET Gil R MEN AGREE
!
TO TERMS IN mm (
iLiMu Hi uiiiuflu i
I Presidents of Two Traction Com- I
panics Make \ Offer Which Union
, Leaders Call Gcod.
I GAIN OF $1,000,000 IN . WAG ] .
That Much Additional Pay for Em !
I
ployes in Three and a Half i
Years of Contract.
The wage dispute between Chicagi
10,000 street car employes and the
surface traction companies , which a
week before resulted in a vote to
strike , was practically settled in a
big joint conference of traction off .
cials and union leaders Friday night . ] ,
apparently to the satisfaction of
everybody concerned.
John M. Roach and Thomas E. i\Iit-
ten offered a wage scale to the men
which represeatatives of the unii
said they would recommend to thei ir
respective organizations for accej -
ance. It was in the nature of a com-
promise agreement applying to tho
employes of the Railways , City , Gal -
met and South Chicago and Conso -
dated companies.
Traction representatives in com-
pany with Walter L. Fisher , repi -
senting the city , who was credit * +
with the pilotage of the negotiations ,
estimated in round figures that the
offer represents an aggregate addi-
tional expenditure in wages of $1,000-
000 during the next three and a half
: years - the term of the proposed con-
tract.
Terms of Proposed Contract.
The contract will run three and a
half years , dating from Aug. I , 190 .
and to all old men who have served
one year at 27 cents per hour-the
old maximum scale-it will grant an
immediate increase to 28 cents for the
first year of the contract , 29 cents for < ;
the second year , and 30 cents for the
last eighteen months.
To men who have been in the ser -
Ice less than one year the rate of pay ;
proposed is the same as at presei
(23 cents for six months , 25 cents fo < !
six months , and 27 cents for one
year ) until they have served a yez :
at 27 cents , when they will begin the
climb which the old employes wi
start as soon as the contract is cor .
pleted.
New men will progress at the max :
Imum more slowly than at the pre .
ent. The first six months of em"
ployment they will receive 23 cents ; ;
the ; second six months , 24 cents ; the
second year , 25 cents ; the third year ,
26 ! cents , and the last six months , 27
cents. :
VENEZUELA TO PAY CLAIM.
Asphalt Row : Expected to Go to Th
Hague Is Settled.
Information has reached New Yor. ;
that the claim of the New York-Ven < .
zuela ; Company , one of the five Amei .
.
I can claims against the government of
Venezuela , the dispute over which led
to a rupture of diplomatic relation '
iqtween the two countries sixteen
months ago , has been settled out of
court.
Minister W. W. Russell cabled the
I
State Department at Washington that i
the Venezuelan authorities had signed j
a protocol whereby their government i
Is to pay the American company $475 ,
000 in requital for the expenditures :
made in the development of conces
sions granted in 1901 by the Castro
government. It was expected that the <
case would go before The Hague tri
unal next fall , and testimony had
been taken in New York for the last
three months in preparation for the
trial. The case of the New York.
Venezuelan Company is the third of
five differences between this country
and Venezuela to be settled Indepen-
dently.
GROWS EGYPTIAN LOTUS.
alumet River and HIstorio "Kll\
Only Streams that Can Do It.
The Egyptian lotus is flourishing in
the Calumet river three miles east of
ammond , Ind. Thousands of the gor-
; sous flowers are in bloom. The Nile
and Calumet rivers are said to be the
only' streams in the world where this
flower > grows in a state of nature.
The flower is five or six inches in di-
aeter and is of a delicate yellow
tint tipped with green. It is open dur-
ng the day and closed at night. Old
ttlers of Hammond have no account
of + : the importation of the plant from
I Egypt : and believe it is indigenous to
I the Calumet as well as to the Nile
I riyer.
CARS DEADLY IN CHICAGO.
? fteen Adults and Seven Childrez
Killed Last Month. :
Mayor Busse of Chicago , aroused by
.merous fatal street car accidents re-
ctly , has determined to take drastic
jasures to insure greater safety to
destrians and vehicles. The Mayor
lied for statistics on the subject
I rom the City Attorney and received a
port that during the last month
I enty-two persons had been killed
I and 253 persons injured in 234 acci-
i nts. This is an average of nearly
eIght accidents a day. Seven of the
Ii i I enty-two persons killed w. ch1l-
ren. j
_ . _ _ . _
. .
, 4 " . . , s.y ' " Y , , : J.- ' ' - , - . , -
.
_ . :4.- _ - . .
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#
I
-mXrJESS iN BANKS
I
' Show nr n ' " ca
Tests by Comptroller
jority of Directors : Fig- ,
ure - Hesds. . .
FEW FAMHIAK WITH LAWS
List of "Bad" Institutions Forme - .
Must Be Examined Every
Three Months.
Comptroller of the Currency Mui
ray , who" since his appointment byj
President Roosevelt has been doing *
lot of house-cleaning , beginning with ,
the national bank examiners , is now
paying some attention to directors of
national banks. There are 50,000 of
them , and a short time ago they wera..f
- '
astonished to receive a letter from the
Comptroller of the Currency asking
them what they knew about the loans
and discounts their cashiers were mak-
ing , the signatures and collateral of
borrowers , and the general habits of
employes of their banks. In other
words , Mr. Murray wanted to know : if
the directors were really directing.
The information now in the posses
sion of Mr. Murray Is to the effect that
only 25 per cent of the national banlc
directors are familiar with the condi
tions of their banks in all details.
Four per cent practically admitted that
they knew nothing of the state of the
banks with which they are connected.
Loans were approved by directors in
only 31 per cent of all cases. The offi
cers had full control and used their
own judgment as to loans in nearly ;
one-half of all the institutions. Eighty
per cent of the directors could not cer-
tify to the genuineness of signatures
on notes discounted by the banks. Six ,
ty per cent tacitly permitted officers to
permit overdrafts. Comptroller Mur ;
ray is wrought up over the laxness
displayed in the examination of loans
and collateral by directors.
In 800 cases this examination was
made only one a year. In only one
half of the banks was the condition of
reserve regularly inquired into by the
airectors. : : The cash , however was
counted periodically by , a committed
Y , .
of the directors in a substantial ma-
\ .
jority [ of the institutions.
The Comptroller has classified ever }
national bank in the United Stated
Those whose directors admitted that
they were not familiar with the work
ings of their institutions have hesn
classed as "bad" banks and will be
subjected to four examinationr eacB
rear.
EMPEROR BEGINS : 80TE : YEAK
Francis Joseph , Observes Birthday
and Rulers Congratulate.
Emperor Francis Joseph of Austria. . / f-
has entered upon his eightieth yeai - ' /
amid the universal congratulations of /
his people. However diverse the race
in monarchy and however bitter Vne-
internal conflicts , all unite to honor
the venerated ruler whose assiduous-
r , ta , , t , .
t 1 ,
1 r I ill '
i I 1
I
4 up , ,
_ Nr I / y
I
,
J f u /
, . n / V I I
I1 .
-'I u I. 1
- . .
E1IPEBOR rRAXCIS JOSEPH.
r
r - - . .
l devotion to his duties is everywhere- ,
recognized and admired. . - - I
The Emperor was deeply touched by
the action of King Edward in sending :
his chamberlain from Marienbad \ wittt
an autograph letter of congratulations ,
and a costly birthday present. It
pleased him the most of all the mes
sages from foreign sovereigns.
_
UNCLE SAM RANKS SECOND. '
French Consider American Y3. .
Stronger tlian Germany'
The Paris Temps takes issue witK
Deputy : Michel , who declared in the-
French chamber that Germany stands-
second among the naval powers. Th6-
Temps points out that second place Is
held by the United States , which with
a fleet of sixteen battleships "
"accom
plished an admirable feat in circum- >
navigating the globe. " The ' is Per adds
that all English authorities class the-
United States second among the naval '
powers. Germany , therefore would be- .
third and France fourth. "
.
Orville Wrlsrht SaH
! I Array r :
- Accompanied by his sister 4
, Otd'11It il
. . .
Wright sailed
from New York
for '
many , there to conduct flight trial . . . . 'i . }
his aeroplane for Emperor William. Ia\
an interview Wright said that bis maw 't. . . " " , . ,
chine could ariT enough fuel to keep. 1 ' ' . . . 1' ' ' ' ,
it aloft for twenty-five hours , but he " : \
did not ; II
assert that he could fly in i it a
distance of 1,000 miles the theoretical
maximum diStance which the power 'I I
would allow. He thought that . ' ' \
aero-
\
planes would be used in carrying mai $
before many Y9iiT8. . !
'I
t
J
I ,
- - . . . . ' . -c , e It ! , t
. J ill 1
; d _ f
- - _ lI ' h