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Bilii
Northeast Nebraska Associa
tions Fourth Meeting
THE PRESIDENTS ADDRESS
IKwUr of Mrmhrm AtletuHnR riticenl
Ingnntthe Forenoon HrMlnii Majnr
Ktrcl KomlfCtelii Wl oik and liihn
DllftukeU of Wltff1t ItrnpouiU
From Monday Pally
Tho Northeast Nebraska Bankers as
sociation is mooting in thin city today in
fourth annual convention Every
train during tho morning
brought representatives of tho banking
institutions of north Nebraska towns to
tho mooting and nil seem lo bo enjoy
ing tho visit to Norfolk which partakes
of tho nntnro of both business nnd pleas
ure for whilo they meet nnd enjoy tho
nooioty of others in tho snmo lino of
business they gain ideas from tho pro
coollnRH that will bovnlnablo to them
in their business when they return home
Tho mootingB nro being hold in tho
Auditorium After a short session this
morning ndjonrumont was taken until
a oclock whou tho convention waB
again called to order and it is likely that
tho program will keep them until Into
this attornoon Touight r compli
mentary banquet will bo tendered by
tho baukors and fluaucinl men of this
city at tho Mast hall which will bo
served ot i oclock by tho Ladies guild
of Trinity church
Tho convention was called to order at
Jl 15 President Buoholzin tho chair
Dr P M Sissou presiding older of
tho M E churoh was introduced who
lod In prayor forveutly besenching the
1nthor to bless tho representatives of tho
financial institutions htro represented
Mayor Robertson being unexpectedly
absent from tho city Mayor elect
Koenigsteln gavo a hearty nddross of
wolcomo on behalf of tho city Aftor
referring to a little banking experience
of hU own at an early day ho expressed
1 tho hopo that tho visitors would have a
good timo at this their fourth annual
convention and one which will mnko
them want to como again He said tho
city 1b thoirs during their stay and ho
hoped thoy would mako tho most of it
Tho rosponso was given by John D
Haskell of Wakefield who on behalf of
73 bauks two and throo fourths millions
of capital and six nnd ouo fourth millions
of deposits thanked tho mayor elect for
Jits cordial greotiug and genial hospi
tality Ho said that Norfolks enter
prise and hospitality are well known
Jn this town a bounty of 150000 was
raised to establish a beet factory Beets
are always a subject of interest to
bankers who do not make a business of
cultivating them ns do tho farmers
about Norfolk but aro constantly try
ing to weed them out Speaking of tho
business of banks ho said that tho chief
industry just now in this lnud of pros
perity is computing interest not on
the loans but on tho time deposits
Since tho echo of Hi to 1 has died away
tho conviction becomes settled that
banks were not responsible for oil the
UIh that llosh is heir to and bankers are
uow rightly regarded as builders not
destroyers of property Tho mayor
banks and citizens of Norfolk were
again thanked for the cordiality ex
tended to visitors
President W H Bucholz then pre
sented tho annual message during tho
reading of which ho was frequently in
tarrnpted by applause The full text of
the message follows
Lattice and Gentlemen nnd Gentle
men of tho Northeast Nebraska
Bankers association It teems to bo
tho custom for the presiding officer of
on association of bankers to mnko nn
address at these annual meetings in
which ho is expected to give a review of
the business conditions of tho pnst vear
nnd attempt to reconcile them with tho
A present m well as give to his fellow
lionkers such comforting assurances of
fntnro prospects as ho may find it in his
heart to offer
I ask your indulgence whilo I try to
perform this duty And first let mo
say n word about tho Northeast Ne
braska Bankers association
It is tho pioneer group association of
tho stnto It was organized at Wake
field three years ago Its members have
been entertained at Wakefield Wayne
and Hartington This meeting at
Norfolk therefor is tho fourth nuuunl
convention
Tho interest aroused by former meet
tings of tho nssocintiou inspired tho
formation of several other groups in
this 6tnto and aided largely in tho re
vival of tho Nebraska State Bankers
association which had held no meet
ings since 1800 until tho meeting in
Omaha in September 1000 At that
meeting the 6tnto was divided into nine
groups Northeastern Nebraska con
sisting of tho counties of Knox Cedar
Dixon Dakota Pierce Wayne Thurs
ton Madison Stanton Cuming and
Burt having seveuty foiir bnuks with
an nggregato capital of 21 17000 and
deposits of over fO50oOOG was desig
nated as group number Four The
Stato association invites us to ratify
this territorial division nnd asks ns to
consent to be known as Group Four of
the Nebraska Bankers Association
Such action on our part would bo in
accord with modem business methods
It would seem highly proper for bankers
to cultivate a larger community of
interest
Tho past year has been so fruitful of
interesting changes so productive of
new elements in business that anything
like a fair review would require much
more time than is at my disposal It
has witnessed new records in fnwimi
nnd domestic trade in the formation of
kilui juuiihiruu comumatiouB in seem
ingly impossible railroad consolidations
5S3areiihsnYf9qi
4
in high priced wcurities and low
priced money in the accumulation of
wealth and its general and generous
distribution It iins lieon a sort of busi
ness Arabian Night for the American
people
Heretofore our industries have Kcn
developed nnd our great enterprises
financed with money borrowed in
Hum1 Cheap money for local needs
in tho west has lx cn obtained in the
enst Today instead of lion owing
money abroad American capital has
lHiii freely loaned to tho world
Twenty eight million dollars of n recent
English loan was subscribed for in tho
United States In addition vast sums
tif American money have licen loaned
to the governments of Russia Germany
and Sweden The west instead tif bor
rowing from tho east has now a surplus
which it is loaning to the east at low
rates of interest
Notwithstanding tho organization of
so many largo coriMirations in this
country and the largo extension of
credit such is the confidence nt the
foundation tif present business activity
such tho extent tif present prosperity
that a fictitious valuation of all prop
erty except money is easily possible In
addition tt abundant money there is
apparently a largo surplus of hopo
among tho icoplc
Favorablo trade conditions exports tif
domestic merchandise alone during tho
last fiscal year exceeding tho imports
for consumption more than seven dol
lars iter capita nn increased output of
the precious metals from the mines
abundant harvests nn expanded trade
territory flourishing manufactories in
tho east nnd tho consequent good prices
for farm products in the west nro pos
sible reasons for tho lnrgest circulation
tif money ever known in tho history of
our government
Tho people seem to believe in tho
security and stability tif our institutions
Those who control vast sums tif money
have faith in tho future and the idea
tif expanding business and larger possi
bilities is well sustained
We were in a measure acquainted with
the tendency toward combination yet
tho formation of a billion dollar steel
tmst discounts all previous attempts in
that direction Wo supposed rail
roads had a fairly good understanding
among each other yet by coining a
new business expedient imprinted
community of interest seemingly
imixissiblo railroad consolidations have
been effected We had heard of large
donations to hospitals and colleges but
a hundred million dollars given by one
man at one time to found libraries is
only possible in a new century where
past records aro not considered And to
make a more local application We
have seen some good bank presidents
abused aud villifled and wo have seen
some bad ones sent to the penitentiary
yet in these nourishing days the state
tif Nebraska sends two of its most hon
ored bank presidents to represent it in
tho United States senate This to n
Nebraska banker would seem most
convincing pvoof of might elinnges
While we country bankers have little
to do with tho regions of so called high
finance because there are no large in
terests hero to lie syndicated no
trusts to bo formed it is interesting to
note conditions in money centers It is
reasonably certain that a continued
tendency there in ono direction will
sooner or later be reflected in customs
and conditions here Inflation of capital
brought on the panic of 71 overcou
fidence and booms the panic of Hit so
undue inflation of values may bo the
next rock of disaster
A jieriod of good times of rising
maikets nnd increasing values favor low
interest rates in an agricultural country
but the past has demonstrated that such
conditions do not continue indefinitely
There is a limit Prosperous conditions
change Credit may have its inning
for a time but money will sooner or
later demand its just tribute of recogni
tion
The present tendency in northeastern
Nebraska toward extreme low interest
rates is too premature to bo permanent
Tho demands of local trado aud the re
quirements tif present developments
hero may not bo sufficient to absorb the
proceeds of a succession of good crops
ftir n whilo but it is astonishim how
quickly changes come about which will
aosoru tho surplus and tax our resources
to tho fullest extent Tho surplus
could bo used in a short time in reason
able permanent improvements in more
commodious dwellings and larger barns
for the farmer and a better grade of
cattle for tho stockman A pradeut
banker should at all times insist on nn
ndqunto rate of interest A bank of n
certain capital and a certain line of de
posits should be able to loan its capital
and a fair proportion of its deposits at
a rate of interest high enough to defrny
cost of management taxes and other ex
jienses incident to tho business and a
margin ftir a fair dividend besides a
surplus to which inevitable losses may
bo charged without resorting to outside
speculation or it should cease to call
itself a bank
Tho public may speculate if it will
Let tho banker stick to his per cent
In my opinion tho time will como
when it will bo impossible for n mnn or
a number of men to eniaiKe in the bank
ing business simply because they have
tho money necessary for tho capital
stock Tho business of banking should
bo considered a profession and a trade
It should bo studied fundamentally and
ho who seeks to engage in it should
first be required to prove that he had
mastered its principles I believe that
a banker should lie licensed and that
before a license is granted aud ho is
turned loose on a confiding public he
should uudergo a moral mental and
financial examination as to his natural
honesty his knowledge of the profes
sion and his financial resources
We have an instance in our own dis
trict of a man serving in the Sioux Falls
penitentiary who possessed two of the
qualifications ho was honest aud he
had money but ho lacked tho third
he did not understand the banking busi
uess Ho beenmo the dupe of a design
ing rascal who understood the business
of banking in a way but who lacked tho
other two necessary ingredients for nn
honorable career in the banking business
Tho American Bankers association
has appropriated money out of its trens
my for the purpose of founding tho
Americau Institute of Bank Clerks de
signed to aid in the self improvement
and proper equippmeut of those clerks
who aspire to become rjenl bankers
This is highly commendable nnd n move
in the right direction
Tho banker should insist ion an atte
nuate lirotlt TllH riKlru nf rlin Vvlo
lire enormous The man who engages
ill it vpiltntwic Tinf ni1 IJ -
IW uu uui jijd wnu ujuuey
THE NORFOLK NEWS FRIDAY APRIL 2t UK1
and tho money tif relatives nnd friends
he puts up an additional asset one
which to n true banker is dearer to him
t linn life itself his reputation as nn
honest and comiietent mnn
He who follows the profession should
be well equipiHd by previous training
nnd study for its risks its cares and its
responsibilities that ho mny merit tho
respect the confidence and tho gotxl
will or
lives
tho community in which he
On motion a committeo of five was
appointed on nomination of officers as
follows 1 D Haskoll A L Tucker
Geo Haose E R Gurnoy L P Paso
walk
A committeo on resolutions was also
named as follows WTGraham E
T Koanioy Harry Cheney E A
Wiltso W -A Spencer
Tho convention then adjourned until
2 oclock
Daring adjournment all members
wore invited to register with the sec
retary
Afternoon
Tho bankers took a long timo for din
ner as it was 2 40 before enough had
returned to the Auditorium to juBtify
tho president in calling tho convention
to order
Tho first paper ontho afternoon pro
gram was by E T Rico of Bancroft
aud was entitled The Banker as an
Educator Mr Rico handled his sub
ject in a comprehensive manner main
taining that the banker must necessarily
be an educator in his contact with man
kind Ho teacheB thrift economy
promptness morality and honest busi
ness principles Tho subject was well
handled in an interesting manner and
made a good impression upon the minds
of his hearers In closing he said Let
ub deal in the wealth called content
ment and pay out in tho currency called
kindness
N A Rainbolt ex president of tho
Norfolk National bank road a scholarly
well written paper on The Future of
Banking Result follows a cause It
is easy to conduct an enterprise when
all things are favorable We believe
the future will be hotter than the past
Constant progress has marked the his
tory of banking in our country as in
every other Dangers lurk in every
corner and whilo it cannot be hoped to
do awoy with all we can hopo to lessen
them A bank should be operated in
the interest of tho locality in which it is
located As timo moveB on the com
munity of interest between the bank
nnd its patrons will draw them closer
together Future banking will give
more competent and painstaking bank
examiners and greater safety to deposi
tors A combination of banks in line
with the giant corporations now being
formed is not probable The paper
throughout was one indicating deep
thought and an intensa interest in the
subject It was one of the most
ougli comprehensive papers read before
the convention
Discussion of tho paper was opened
by Victor B Coldwell of the United
States Natiounl bank Omaha who ad
vocated getting together and ngreeing
upon methods of conducting business
ns one of tho greatest safeguards of
future banking
As this report closes J F Toy of
Sioux City is speaking on the subject of
Credits and Securities Mr Toy
is a banker well known throughout
north Nebraska and his utterances nre
listened to with deep attention by mem
bers of the association
Pursuant to the invitatation extended
by the officers of tho association a largo
number of Norfolk people are filling up
the Auditorium to listen to the address
ot Governor L M Shaw of Iowa
which is the chief feature of the after
noons program
Following this will be call of banks
to which each representative present is
expected to respond Then will come
reports of Secretary John F Crosby and
Treasurer C H Randall
Election of officers and report of the
committee on resolutions will be last
numbers on the program this afternoon
During the afternoon a telegram waB
read from Ed Latta of Tekamah vice
president of the association expressing
regret that he could not be present A
letter from Chas R Honna of Council
Bluffs was also read in which he stated
that it was impossible for him to re
spond to the invitation to be present
This evening a complimentary ban
quet will be given at MaBt hall Hon
John R Hays of this city acting as
toastmaster
LUt of Member
Following are the names of the
bankers who have registered with the
secretary
O H Randall Randolph cashier
Security State bank
E T Rice Bancroft cashier Citizens
bank
John T Barber Bancroft assistant
cashier Citizens bank
E R Gurney Winside president
Merchants State bank
E H Wiltse Pender cashier First
National bank
E T Kearney Jackson cashier
Bank of Dakota County
Geo Kimball Wakefield cashier
First National bonk
H T Wilbou Wayne cashier First
National bank
A L Neumann Oakland assistant
cashier Farmers and Merchants bank
E G Hammond Plainview assistant
cashier Farmers State bank
J A Elamquist Newman Grove
president Newman Grove State bank
E H Gearbart Newman Grove
cashier First National bank
D Mathewson Wakefield cashier
Farmers and Tratlers bank
W L Mote Plainview president
Bank of Plainview
G H Rcnord Wausn cashier Com
mercial bank
Franc Nelson Hartington cashier
First National bank
W T Graham Laurel cashier Lau
rel State bank
Goo I Parkor Coloritlno cashier
Coleridge Stato bank
U A Unarm lJoldon cashier Beldcn
bank
O K Cull Oakland cashier First
National bank
O J OConnor Homer cashier
Homer Stato bank
T A AnthonyWaupa cashior
Farmers Stato bank
A B McOonnell McLean president
Bank of McLean
Guy WilBon Laurel cashier Farmers
State bank
F M Smith Osmond enshier Farm
ers Stato bank
D A Paul Concord cashior Concord
State bank
Goo H Haase Emerson cashier
Farmers Stato bank
F H L Willis Battle Creek vice
president Bnttlo Creek Valley bank
Herman Hogrefo Battle Creek presi
dent Battlo Creek Vnlloy bank
H F Mosoman Emorson cashier
German American bank
F S Gaso Emerson assistant cashier
Farmers Stato bank
Fritz Frltzon Randolph assistant
cashier Randolph State bank
F G Hoffman Randolph caBhlor
Randolph State bank
A H Livingston Randolph book
keeper Soourlty State bank
J N Kuhe Randolph bookkeeper
Randolph Stato bank
Fred M Buol Randolph assistant
cashier Security State bank
G O French Wayne assistant cash
ier Citizens bank
D C Main Wayne cashior Citizens
bank
John Forrest Pender cashier Pender
National bank
W A Witzlgmun Meadow Grove
cashier Meadow Grove State bank
H M Morrill Hartington cashier
Hartington National bank
F M Kimball Hartington assistant
cashior Hartington National bank
W H Bucholz Norfolk president
Norfolk National bank
W A Sponcor Pierce cashier Pierce
State bank
H A Ohenoy Creighton president
Security bank
John F Crosby Hoskins cashier
Hoskins Stato bank
Geo O Merrill Canoll cashier Car
roll State bonk
J Eberly Stanton cashier Citizens
bank
E W Zutz Norfolk cashier Norfolk
National bank
Harry D Miller Stanton assistant
caBhier First National bank
B H Schwaburg Pilger cashier
Pilger State bank
C C Gow Norfolk
Ira E Williams Beemor cashier
Beemer State bank
Among the bankers present at the
association today who are not members
of the association because they are out
side the district aro
Chas Konntze assistant cashier First
National bank Omaha
J O French assistant cashier Union
Stock Yards National bank South
Omaha
E E Balch assistant cashier Omaha
National bank Omaha
J F Coad jr Omaha
Louis W Haskell Wakefield state
bank examiner
J F Toy Sioux City
V B Caldwell Omaha
MONEY MEN BANQUETED
Vlnltorn Knjoy Hospitality of Norfolk
ltankem Monday Kveniug
From Tuesdays Daily
The complimentary banquet tendered
tho members of the NortheaBt Nebraska
Bankers association by the banks and
loan and trust companies of Norfolk
was a success in every particular
Every detail was in perfect harmony and
not a discord of any character occurred
to disturb tho pleasure of the evening
It was the most perfect banquet that
has been served this association in the
four years of its existence and I know
whereof I speak because I have attended
every one said one of the visiting
bankers at the close of the banquet last
evening This estimate placed upon the
efforts of the banks of Norfolk given by
an outsideris of for more value than the
opinion of anyone living in this city
who might be prejudiced
The banquet was served in Mast hall
by the Ladies guild of Trinity church
and too much cannot be said in praise of
the members of that society who had
the matter in charge If not the finest
it certainly ranks with the finest ban
quet ever served in Norfolk The hall
and tables were beautiful in their deco
rations in which pink and white were
the prevailing colors Bunting and
flags were hung upon the walls potted
plants abounded while a bank of ferns
almost obscured the music loft The
tables were arranged in three long rows
down tho hall with a section across the
head Cut flowers solid silver and
china pink and white decorations long
rows of candles down each table with
handsome candelabra as centerpieces
gave the banqnet board a very attractive
appearance Sixteen young ladies of
the guild dressed in pink and white
served the menu in full course style
During the evening Bohnerts orchestra
rendered orchestral music and Miss
Nelle Gerecke gave two selections her
wonderful voice in both cases being
heard with such pleasure that she was
twice obliged to respond to an encore
Hon John R Hays as toastmaster sat
at the head of the table where he could
survey the whole scene Retiring Pres
ident Bucholz yielded the place of honor
on the right of the toastmaster to Gov
Shaw of Iowa himself taking the next
Beat The president elect E R Gur
ney sat at the left of the toastmaBter
while the other speakers of the evening
were seated on either side A number
of the wives of bankers were present
After finding places while the company
was yet standing Rey J O S Weills
invoked divine blessing after which at
tention was given to the menu which
was as follows
MKNU
Chicken Iate with Muthroora
Queen Olhen
Baited Almond
Rodithea
IkmelfM Turkey French DrcnltiR
Kfcnllopod Potatoee
CltANllEKRY 1UlsCII
VIonnn Roll
Jnrdlnlcro Salnd on Mnonnif o
Checeo Wafers
Kpopolltnn Ice Crenm
Chocolnto Layer Cake ADgel Food
Java Codec
nnjiiR
When tho last cou rso of the menu
hud been served and tho smoke of good
cigars was curling toward the ceiling
Hon Joku R Hays took charge of tho
proceedings as toastmaster He is
always an ideal toastmaster but last
evening he seemed to be in unusually
good form introducing the speukers
with a bright personal allusion to each
and nn apt story that fitted in every
case The committee acted wisely when
they invited him to fill that difficult
position
It is impossible to give a summary of
the responses to toasts it being sufficient
to say that tho speakers bad been se
lected with great discretion all respond
ing in avein that was very fitting to
the occasion The president elect E R
Gurney responded to the toast
Checks in a manner that is char
acteristic of Gurney W P Manley of
Sioux City responded to the toast Our
Prospects which he made a bright
subject Rev F M Sisson succeeded
admirably in his efforts to explain The
Sheep and tho Goats and when he had
finished every banker present concluded
that ho belonged to the right class L
V Haskell of Wakefield told what he
knew about The Home Banker
in a manner that demonstrated
his familiarity with the rear of the bank
counter W T Graham of Laurel told
about The bankers troubles from
which it is judged that the bank man
haB troubles of his own R A Stewart
of Norfolk spoke of Skimming the
milk in a manner that elicited ap
plause Our Products was the sub
ject of Gov Shaws response in which
he gave some new ideas concerning the
products of the agricultural states of
Iowa and Nebraska
election or Ofllcers
The Northeast Nebraska Bankers as
sociation closed its session last evening
after the election of officers for the en
suing year and the adoption of resolu
tions The committee on nomir ations
reported in favor of the election of the
following named officers who were
elected by tho association
President E R Gurney president of
the Merchants State bank Winside
Vice president John Eberly cashier
of the Citizens bank Stanton
Secretary F G Hoffman cashier
Randolph State bank Randolph
Treasurer E T Rice cashier Citi
zens bank Bancroft
The following named were chosen as
trustees
Ed Kearney cashier Bank of Dakota
County Jackson
H F Wilson cashier First National
bank ot Wayne
H A Cheney president Security
bank of Creighton
A L Neuman assistant cashier
Farmers and Merchants bank Oakland
E A Luikart cashier Battle Creek
Valley bank Battle Creek
The following is the report of the
committee on resolutions which waB
adopted by the association
Resolved That we acceptthe invita
tion of the Nebraska State Bankers as
sociation to amalgamate with the state
association and be known as group four
oi saia association
Resolved That our executive commit
tee be authorized to take steps to insti
tute a protective committed of three
whose names shall not be made public
and a safety fund similar to that of the
American Bankers association but
which shall be applicable to petty and
local theft robbery and swindles and
that a metal sign for display in the bank
be also provided
Resolved That the state association
make arrangements with some respon
sible bonding company and burglary
insurance company whereby the mem
bers of the association may if they de
sire secure official bonds and burglary
insurance and upon such business a
brokerage commission shall be paid by
the company selected which shall accrue
to the safety fund or the association
Resolved That the revenue tax upon
the capital and surplus of banks and
bankers iB unjust and unfair and is
class legislation ana should be repealed
Resolved That we attain reaffirm res
olution of 1899 calling for the repeal of
the present bankruptcy law
Resolved That the bankers of north
east Nebraska aro pleased with the rec
ognition accorded the banking frater
nity in electing two of their honored
members to the United States senate
Resolved that the bankers here as
sembled appreciate the hearty welcome
and generous hospitality bestowed upon
them by the good people of the Sugar
City
We also wish to hereby thank the
bankers of Norfolk for the liberality
and courtesy which has contributed bo
largely to our enjoyment and sooial
pleasure
To the officers of the association
whose hard labor and earnest efforts
have made the convention a grand suc
cess we extend the sincere thanks of
the association
W T Graham
W A Spencer
E A Wiltse
H A Cheney
Previous to the election of officers and
adoption of resolutions Hon L M
Shaw governor of Iowa gave an ad
dresB which was tho feature of tho
afternoons program Gov Shaw iB a
man of commanding presence with a
melodious voico that at onco enlists tho
interest of his audience His nddresB
to tho bankers was eloqnont foroeful
and full of new ideas containing in
formation that will prove of value to
them as they tako up the usual avoca
tion of cent per cent In addition to
tho bankers many town poaplo gathered
in the Auditorium to listen to his ad
dress and they were well repaid for
their time
Tho call of banks resolved itself into a
sort of experience meeting and was
both interesting and profitable
Tho reports of tho secretary and treas
urer showed that the association is id
good condition financially
Tho next meeting of tho -association
will be hold at Randolph on Arbor day
1002
Tho following named additional mem
bers registered with the secretary after
the liBt of yesterday was prepared
A L Tucker president Citizens bank
Wayne
E E Halstead owner Bank of Dixon
County Ponca
E A Luikait cashier Battlo Creek
Valley bank Battle Creek
Following iB a list of visitors in addi
tion to the names of those printed yes
terday
Charles Kountz First National bank
Omaha
J C French assistant cashier Union
Stock Yards National bank South
Omaha
James F Toy First National bank
Sioux City
N A Rainbolt Norfolk
W P Manly president Security Na
tional bank Sioux City
Geo H Rathman caBhier Live Stock
bank Sioux City
Leslie M Shaw governor of Iowa
Des Moines Iown
F A McCormack Sioux City
Ed Geers iB confident that the Abbot
will beat 201 this year The Abbot
is brother in blood to the sire of Mon
tana
Hammond Louisiana An Ideal Health
and Winter Resort
The passenger department of the Illi
nois Central Railroad company has just
issued a new edition of Hammond
Louisiana as a Winter Resort a beau
tiful illustrated folder showing a few of
the winter attractions in and about
Hammond copies of which will be
mailed free on application to the under
signed
For those in good or moderate circum
stance no point in the south offers such
inducements The climate is unsur
passed The artesan water excellent
Society almost entirely northern and
the hotel and boarding house accomoda
tions far superior to any town of its size
in the north and at moderate rates
J F Merry
Asst Gen Pass Agt 111 Cent RR
Dubuque Iowa
Good Advice
The most miserable beings in the world
are those suffering from Dyspepsia and
Liver Complaint More than seventy
five per cent of the people in the United
States are afflicted with these two dis
eases and their effects such as Sour
Stomach Sick Headache Habitual CoBt
iveneas Palpitation of the HeartHeart
burn Waterbrash Gnawing aud Burn
ing Pains at the Pit of Stomach Yt llow
Skin Coated tongue and Disagreeable
Taste in the Mouth Coming up of Food
after Eating Low Spirits etc Go to
your Druggist and get a bottle of August
Flower for 75 cents Two doses will re
lieve you Try it Get Greens Prizo
Almanac Asa K Leonard
Career and Character of Abraham Lincoln
An address by Joseph Choate Am
bassador to Great Britain on the career
aEtl character of Abraham Lincoln his
early life his early struggles with the
world his character as developed in
the later years of his life and his ad
ministration which placed his name so
high on the worlds roll of honor Jand
fame has been published by the Chicago
Milwaukee St Paul Railway nnd may
be had by sending six 0 cents in post
age to F A Miller General Passenger
Agent Chicago 111
The complete Bervice of The Chic-ago-Portland
Special via Union Paciflo
enables passengers to reach the princi
pal cities between the north and Paciflo
coast and Missouri river not only in the
shortest possible space of time but also
in the mo6t comfortable and enjoyable
manner The dining cars on thiB train
are stocked with the best the market
affords All meals served a la carte
Jell O The New Demert
pleases all the family Four flavors
Lemon orange raspberry and straw
berry At your grocers 10 cents
Try it today
White Wyandottes
i Bred for beauty and utility
Heavv lavincr Ktrnin Wo
birds of this variety in Northeast
Nebraska My fowls have free
range aud are strong and healthy
Eggs for hatching f 125 a setting
Visitors welcome Breeding yards
one minutes walk from railroad
station
Nutwood Poultry Farm
O A SLEEPER Proprietor
WaracrvilW Nebr
f
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