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I I
TIlE OMAHA DAILY BJE : TfltTISDAYJUL 28 , 1SOS.
. 11OIE BUII1DERS IN SESSION
.
. Unite(1 tat Lenguc of Building and Loan
V Maocfations Mect.
ADDRESS OF PRESIDENT LURE . SANBORN
tiggctIott for ( lie tvnticiflrflt Of
r tIne Cip-Oiern4 he
CcI1nrIn. flte,4 , Su1t JiLter-
I c.tliig StfltliIICM.
There were about fifty de1egnte present
_ In the council thainbcr of [ ho city hail yes
tcrday 'when ( lie sixth annual meeting or
the UnRcI Stntes League of Local fluilding
nnd Loin Associations wan called to order
Lake \V. Sanborn o Gnlesburg , III. ,
president ot the organization. The dole-
gatea come from as far east a ; Massncliu-
potts and from as tar south ( L9 LOUlslflnfl. .
Every paper on tlio program for the entlri
essloii was reported present and a inaorlty
ot them will be presented by tlio writers.
The jndlcntloni at. this opening meeting
1110 that the attendance at. the session will
equal if it does not exceed that at any pro-
vlous meeting. The delegates are already
expresIiig satisfaction over the location of
the annual esion In Omaha and predict
an Interesting and profltabla time. '
! nny of the delegates arrived yesterday
ioriiing , and the league was delayed in get-
tilig to work that. the tirno might be Used in
reotIngs aflti IntroiicLlons , anu recouniing
experiences alnec the last annual tiieetlng.
Other delegates vill arrive today. Soy-
oral women , wIves of some ot the delegates
: wcro present at the morning session.
President Sanborii called the meeting to
ardor at 1OO : , and introduced Mayor Moores ,
who made the welcoming address. lie said
he deemed it a pleasant privilege to wel-
Caine the delegates of the league to Omaha.
Ho saiti Urn Anglo-Saxon was by nature a
home lover and a hOme builder from the
time of Caesar. They were called barbar-
laos In the ccnturle past , but had in them
the life at liberty which has made Its im.
press felt Ulofl ) the 4tmorlcan citizen of to.
( lay. lb congratulated the league upon the
truly patriotic emblem adopted by the
league , "The American Ilome , the Safeguard -
guard of American LihrtIes. " lie said the
great trouble , too often with the common
lCOPlC , Is hot too little earned , hut too
' little saved , and he looked to the building
t and loan association to remedy this and
bake It possible for every American wage
earner to own his own home. Formally
welcoming the league , ho presented the
golden keya of the city , and assured the
Uclogates of the freedom of the city wIth
all that the term Implied.
. l'resldeit ] tepart.
President Sanborn responded to the welcoming -
coming address briefly , and then delivered
his annual address , which In part waa as
follows :
The league seeks to organize state leagues
In the states now unorganized , thus being
able to amend bad laws and to Induce lawmakers -
makers to enact just and equitable statutes
whIch shall rrotect and aid their stock-
. holders. We also keep a vigilant watch
over national legislatIon and liavu been .uc-
ccsstul in the past In averting disastrous
] cglsiatlon by Iropcrly Iniluencing our law-
inalcers , who were convInced that our cause
'was just.
Vc are not antagonistic to other flnniicial
Institutions. While we are not bankers we
are in a manner helpers of the banks and
vcry other busIness lnstitutiou In the
community. The secretary's report .at the
Bankers' National Association meeting , held
at Detroit in 1S97 , stated that the chartered
4 blinkS of this country had a capital and
r surplus ( If 9OOOOOOOO. The building and
] eau associations of our country July , 1897 ,
showed over 6OO.OOOOOO of assets , whl3h
includes stocks and surplus also. And It
you will stop and think , you will faLl that
the building asoclatlons are comparatively
now In our country and that If they Increase
in the same ratio in the next ten years as
they have In the past twenty-five years wo
will no doubt be able to show as much capt-
' tal as do the bankers.
The passage ot just laws in several stnts
Is fast beaming good fruits and Is weeding
out the unscrupulous schemers who for a
brief time have held sway. State supervision -
vision and compulsory methods which have
consequently followed have llaccd and are
placing the business on a firm footing , and
while it 'may have seemed Irksome to sonic.
have proved vIse and just.
These associations , while severely tested
during the last four years , as a whole ,
showed a jer1IianeflCY which has been the
admiration amid wander of the people , nuLl
the percentage of loss by them to tic shareholders -
holders has beezi infinitesimally small , umiti
. the lessons taught In the way of conservativeness -
' sorvativeness as great as in thu other dl-
-
- , \ . rectlon.
The state leagues of Wisconsin , Texas and
Kentucky are new members , and Iowa and
Idissourl are reinstated members.
! After alluding to successful efforts to
iave building and loan associations cx-
A empted from the war tax bill , ho said that
1 hundreds of thousands of dollars were thus
saved to the association , which would other-
I wIse have been paid by the laboring men
I who are the largest owners of the stock and
the only borrowers of the funds ,
4 The Prcaitlent appointe4 P. 0. Vason of
Illinois , Fred Tinder at Ohio , and D. II ,
- Christie of Nebraska , as a commltteo on
credentials ,
I UeiOI't of the Secretary.
ii , While this committee was preparing its
' report , Secretary II. F , Celiarlus zuatlo his
anilual financial and statistIcal report , a
I g syimopsis of which is bore presented :
'rime aggregate assets of the local building
nd loan associations of the several states
I
I OW amount to $601,130,037 , which Is an in
crease of 2,741,342 over time amount shown
Inst year. i'ennsyivnnia. on o1flial
fIgures , Increased $1,706,771 during the
4 year , although according to time estimated
t figures gIven in my last annual report time
4 : Increase is 6,714,87l ; Ohio increased 2 ,
P6Q,000 , Massachusetts , $1,690,000 , and Comm.
necticut $530,000. Illinois Oflil Missouri as-
I socintions showed the heaviest decreases in
assets on account of veeuliar conditions in
Chicago and St , Louis. Chicago associations
In their last annual report showed $7,740,219
ices assets than the year before and St.
Louis missociUtlons during the same period
decreased $3,292,70L In Cincinnati a net
loss of 2,315,31 in aBsots was sustained last
year , and yet Ohio is able to show in the
nggregate a not increase at nearly $3,000 , .
000 over tIme Ilgures of time lrovious year.
Many associaticlis hail recklessly bor.
i'owed large sums of money without au-
) tltority of law , imad hypothecated their cc-
I curities as coliatorais with banks and trust
compnnies overvalued the real estate upon
which they bad made advances , and miuring
] the bard times vero comnpeiied to acquire
ownership ; many wade second mortgage
t
t
I Wool Soap is a pure soapi so i
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I _ It miwlms. '
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I pure that It
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Made for
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and fine fab-
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USID HAD
WI , 0 LSIJAP
- .
- - -
- -
f ,
ionns. From these conditions it is readily
understood how heavy withdrawals , re-
ceivershipa and a consequent decrease in
the assets of these nssochttions followed :
The tendency of the year has been to
lower rates of interest. Money has been
accumulating In vast sums , not only In
building aiociations , but in all other
financial institutions. and the demand for
loans has been remarkably light. The
question of how to nlvantagcously dispose
of anit invest these accumulative funds has
been a seriout problem with many associations -
ations and one which some have not yet
leCfl able to solve to their entire satisfac-
tion. Rates of Interest on desirable loans
have of necessity been lowered for the Investment -
vestment of these surplus funds , and a
reduction In the rate per cent of dividend
is sure to follow ,
The following are the figures for the soy-
oral states , showing the number of local
associations , inemtersliip , assets , etc. :
Itmtiliitt' Woric ilegimis ,
'rho address of the president , and report
of the secretary were ordered printed In
the records , anil the recommendations made
by the president were referred to a coin-
mnlttee composed of Julius Stern of Illinois ,
I ) . lldrege of Massachusetts , and Seymour
Dexter of New York.
The president appointed Judge Seymour
Dexter of New York , It. S. flosentlmal of
Clncitmnati , Joseph Pairt of Philadelphia ,
Julius Sterna of Illinois and D. Eidrcge of
Massachusetts as a committee on resolutions -
tions ; and P. It. Foster of Mississippi . E.
Cariin of Illinois , and C. S. Itarbough o
Kansas , as a committee on finance.
P. 11. PIerce , secretary of the Missouri
league , was accorded time to make a state-
meat regarding the withdrawal of his state
league from the national organization. lie
said that Instead of investing their money
in building and loan associations they lint
it into banks and lost it. They therefore
felt the need of economizing and cut off
their membership cia time first step in that
direction , but said they would again become
active members next year. lIe then rend a
resolution calling for time eliminating of all
national associations and similar organizations -
tions from Missouri and demanding that the
state law there be amended and simplified.
The secretary read an announcement from
the local committee on entertainment giving
the time for time dilTeront events on tile pro-
grain , which called for a visit to ICing Ak-
Sar-IJon's den tonight , a trip to South
Omaha and lunch tomorrow morning , n banquet -
quet at the Commercial club tomorrow night
and a trip to the exposition Friday afternoon -
noon and night.
There was considerable discussion over
time South Omaha trip , it being suggested
that this would interfere with time business
of the morning session , but It was finally
decided to make time business of the league
conform to the entertainment provided.
The delegates and visitors were invited to
assemble at the west door of the city bali ,
where their photographs would be taken.
Ielegiles 1)maly Aecredlte,1.
The committee on credentials made its
report , which found the following duly accredited -
credited delegates to the meeting :
California-Charles K. Clarke , San Frin-
cisco ,
lllincis-Lake W. Sanborn , Galesburg ; 3 ,
\v. Lnrinmor , Salem ; W , I. Corltn , Jersey-
yule ; 'sv. t. Smith , Chicago ; F. S. flartlott ,
Gnlesburg ; C. AVlgbtmnan , Evanston ;
John G. SVetzei. Sterling ; 13. G. Vusen ,
Qulncy ; S. H. Case , Julius Stern , Simpson
Dunlop , Paul Kraemer , Chicago.
Iimdiana-G. 'V. Smith , David Badger , E.
G. henry. New Albany.
Kaiisas-C. S. llarbough and Geuze
Stumpf.
Louisiana-WIlliam G. Weeks , New
Iberia.
Mnssaclmusetts-D. Eldrldge , Boston ; J ,
% Varrcn Bailey , Somnmerville.
Michigan-\V. L. Jenks , E. L. Smith , W ,
J , Brotberton , L. J. Walcott , C. D.
Ilanchett.
Mississippl-T. R. Foster , Vickhurg.
Nebraska-C. 3. Phelps , Schuyler : C. F.
flntley , Grand Island ; D. H. Christie ,
Omnalum.
Ohio-Fre'l ' Bader , It , S. Rosenthal , II. F.
Cellarhus , V. 14 , Fincim , Cincinnati ; E , J.
Swerer. Columbus ; 0. L. Sadler , Akron ;
John K. Duke , Portsmouth ; C. II. Gallup ,
Norwalk ; Josiah E. Bayer , Dayton.
Pennsylvania-M. J. Brown , J. K. Gamble ,
C. F. Koib , James Clereney , J. H. Paint ,
Robert 'r. Corson , David Jones , I'hila-
dolphin ,
Texas-William C. Bell , Austin ,
Now York-Seymour Dexter , Elmira.
Missouri-I' , II. Pierce.
The states of Wisconsin , Iowa , Montana
and Arkansas have not yet reported.
It was decided th'at all resolutions should
be referred to the committee without do-
bate.
First of tIme i'lLpt'rN.
Upon reassenmbhing in the afternoon time
ieaeuo decided to oroceed hurriedly to busi-
nes that the regular program need not be
curtailed by time proposed trIp to South
Omalma this morning. Immediately after
being called to order a paper was announced -
nounced on "The Manageumeni and Invest-
memmts of Co-operative Ilammks , " by Frank B ,
Sauborn of Concord , Mass. Mr. Sanborn was
not present and time paper was read by D.
Eldredgo of Boston amid its salient features
follow :
Wise muon planned time co-operative banks
-the storage-basin for ammmall amounts of
muommey , They Planned that little channels
should be opened whereby the man the
could save but little might have that. little
accomplish great good for himself or others ,
building tt little home where lie migimt
gather his family anti emmjoy time fruits of
lila labor. It laugh thimu habits of economy
and thrift , where before carelcssmmess , slothfulness -
fulness and wretchedness were the rule.
It brought veace and happiness to his
whole fanmily. By timeso habits of economy
anti saving , hundreds , yes thousands , of
homes have been established , mind idany
have beemi taught the principles of good
citizenship , mmmi time way to Perpetuate our
republican government In a solid and sdb.
mmtantiai mimnommer , besides furnishmimmg time
macnaB for the etiucatiomi of thousands. So
with all our great fimmancimml Institutions-
they begin with time savings of time leopie.
amid are carried on by the aggregatIon of
their savings.
Co.operativo banks are inducing many to
adopt the habit or saving , whore our corn-
maui : savings hmmmnka have failed to do so , amid
muatmy Imeople have become our shareholders
wimo never saved a dollar before in their
lives ,
A co-operative bank is one timat is based
uion habit , Time habit of regularly , upon
time first day of the rnommth , laying by $1 , $2 ,
$ or $25 , as we elect , is ommo of its primmcipai
features-a habit which , if persisted in , is
sure to make a versou rich. Time habit of
eating regularly is productive of a strong
physical body , The habit of regular Imours
of sleep gives us better bealtim. Time habit
of cleammliimess anti good order are great tao-
tars in our modern society.
Time habit of saving is one of time best of
all , and this is time habit the co'eperatlve
bank fosters and encourages. Ilmis habit re ,
suits in the accumulation of property , and
wealth makes one practically Independent ,
Vith the savings , national banks are formed ,
manufacturing stocks sre purchased , railroads -
roads are built and coummerce is carried on.
But banking is the medium through which
all time business is transacted , anti time accumulated -
cumulated savings mire the means ,
It is for this reason I style time co-opera-
tire bank the nursery of all banking. as it
seemed to inc to be the point of beginning
I and Iostczjn of alt flnaticlal movements.
, . - - - . . , . - ' - I
It may not appear to you to be appropriate.
If not , then take the thoughts and make the
application of the ideas to fit where they
will.
lLscr'e Vtmimd Quclitiomi ,
The first paper in a discussion of the to-
servo fund question was read by Henry S.
Rosenthal of Cincinnati , the subject beitmg
"The Iteservo Fund in Building Associations -
tions Is It Ieeirnblc and Necessary ? " lie
said , in part :
Building amid loan associations are the
people's banks. They are not speculative enterprises -
torprises or organizations for their own corporate -
porato profit. Safety is their prime ussen
tiai requisite , They are trust institUtions to
collect and protect the meager savings , time
little mmli , of their members. The money entrusted -
trusted to them belongs to that class of our
citizenship who can least afford to lose it.
It stands for the humble liome of the
1S97-189S.
.
? et 1mm Net Be-
No , of Mom- crease in crease in
AssociationS. bership , Assets , Assets Assets.
I'onnsylvania . . . . . . . . . . . . 1,200 aooocio $ ihl.Til,81l $ G,7hlS7i
Ohio . . . . . . . . . . . . . . . . . . . . . . .761 297,7S7 99,770,161 2,8&3,631
Illinok . . . . . . . . . . . . . . . . . . , ( .S2 ' 150,000 ' 13,399,192 ; ti,70tS2
Now Jersey . . . . . . . . . . . . . . 00 Il6,73 4l,0.3,934 71,310 . . . . . . . . . .
Indiana . . . . . . . . . . . . . . . . . . 492 137.510 37,624,418 ' . , 470,729
Now York . . . . . . . . . . . . . . . . 317 102,902 57ISS-12 932gSS
MmLsSaClitmsotts , . . . , . , . . . Ill G.,4h9 2497,843 1,691,151
Missouri . . . . . . . . . . . . . . . . . 25 49,46.1 22,197.i09 1,755,111
California . . . . . . . . . . . 13S 19IT $ l7,91lO9 31,201
Iowa . . . . . . . . . . . . . . . . . . . . . 57 23,1100 094,1'I
Mielmiamm . . . . . . . . . . . . . . . . 70 20,497 6.19,307 215,334
Minnesota. . . . . . . . . . . . . . . . . GO 0,000 4,2t9G6I1 , 556f"53 "
Temmnessee . . . . . . . . . . . . . . . 'ii 6lGd 3,771,354 634,595
Nebraska . . . . . . . . . . . . . . . . 11,821 3fdl,78't . . . . . . . . . . L 217,015
Coimnocticut . . . . . . . . . . . . . 15 11,201 8,2l3,93. ( , &M,003 . . , . , . , . . . .
Maine . . , 3.1 8,23(1 ( 2,912,936 221,017
: 1IGG,95 $19t,809,670 l3,010CS3 , $10,600,050
Others . . . . . . . . . . . . . . . . . . . 223 281,284 $101,320,307 $ 310,700
Total . . . . . . . . . . . . . . 4,72 1,612,179 6Ol,130,037 13,31i,392 $10,600,030
masses. Of all financial Institutions the
building and bum association has most need
of taking every precaution essential to
safety.
That they are peculiarly adapted to meet
unexpected contingencies baa been shown in
time manner In which they have stood the severe -
vere test of the Inst five years of business
panic antI depression. The system has
shown : more elasticity , hotter adaptability
and more reliable stability than any other
forni of financial Iimstitutlon. Very few
banks , for instance , could have kept their
doors open in the face of demands for the
immediate PaYment of 50 per cent of their
deposits. But many building associations ,
especially In the larger cities , had to meet
this condition , and yet they are still doing
business at the old stand.
It huilding amid loan associations are to
occupy and hold the field for which they are
intended ; if they are to continue as the
great co-operative saving and home-making
and imome-coimserving institutions of the
country. the very first essential is the creation -
tion and maintenance of a proper reserve
fund.
The reserve fund is a part of the regulmu
mnmcimlncry of the association , provided for
in the contract or agreement embraced in
the constitution and by-laws which all mem-
hers have signed or agreed to by becoming
members. It is one of time inducements
which bring members into the association.
In the second place , the reserve fund has
protected the witlmdrawimig or maturing
shareholder during time period of his mem-
hersimip. In case of loss it has reimbursed
him and at all times it has given protection
and permanency to the association. Finally ,
if losses occur after his membership ceases
they will probably arise from some mistake
or mismanagement which was committed
during his period of membership.
Opmonltlois to time l'hnn.
The other side of this question was taken
by James Clarency of Philadelphia , who
said :
The stockholders of building associations
are not as stockholders of other corpora-
Lions , but are comitrlbutors. who agree to
pay so much , and when that aunt is reached
there is a distribution. They are contributors -
utors to a common fund. There Is an
economic primmciplo underlying building associations -
sociations which does not exist elsewhere ,
and a reserve fund has no place ¶ in the as-
soclation. Reserve funds In other corporations -
tions affect time market price of the stock
wherever it is offered for sale , while it
cannot affect the value of stock in building
associations.
The creation of a reserve fund will defer
the maturity of loans , which makes it a
hardship to the borrower , who is looking
forward to the time whemi his baa will be
paid off , and the borrower must be protected -
tectod , for it is upon him the associations
must depend. We cannot depend upon a
permanent fund in building associations and
the attempt to establish it is to get away
from the principle underlying time poor man's
co-operative work.
'Flme building association is an economic
organization and after long y.enrs' experience -
once with them am prepared to say that
these local associations , managed by neigh-
hors , have never been improved upon.
When there is a deficit in the security tea
a loan it should be charged up on the hookB
anmd assets reduced that much. This re-
quirea heroic action , as it will show a decrease -
crease in earnings for the quartr ; but the
application of a reserve fund is only getting
at it in another direction. The ios is there
and cannot he escaped , whether it is bravely
met at once by clmarging It off the assets or
by coverimmg it up by the use of the reserve
fund.
MIcbmI J. Brown of Phila'lelgbla read
paper not on the program which took issmme
with the points 4tlvanced by Mr. Clarency.
Ito said Mr. Clarency's idea of a reserve
fimnil was iiot like time reserve fund advocated -
cated in Pennsylvammia. There is nothing new
in the reserve fund , he said , but there is
sonietiming new in having tile fund imammdled
in the proper manner , Shares are miever
worth the face value without a reserve fund
and that there is no such fund hi felt to be
an evidence of bookkeeping. Advocates of
tIme fund are trying to lead the associations
back into thetrold time paths of simplicity.
Mr. Hanchett of Micbignn favored a reserve -
servo fund. lie said a law providing ( or this
was passed by time Micimigan legislature , but
the bill was vetoed by Governor Phmmgree.
Ito said the member who contributes to the
reserve fund tInes so to protect his own iii-
vestment. He thought the association
should be actuated in this matter just as an
individual lays aside a reserve fund for
emergencies ,
E. B. Good of Wahoo , Neb , ; Jmmmige Dexter
of New York , Julius Stern of Cimicago , Simpson -
son Dunlop of Chicago , B. Eldredge of
Massachusetts , C , F. Bentley of Grand
Island , Mr. Bailey of Massachusetts amid
Mr.'igbtman of Illinois , took jart in dis-
ciissimmg time question , which has been a bone
of contentiomm in the nmnmmgornent of asso-
cintlons. After the discussion a motion prevailed -
vailed calling omm the committee on resolu-
I tions to report a resolution recommending
I that associations in the league adopt time re.
serve fund system.
% 'Iimit 1'hmcy May no.
Charles F. Bentley of Grand Island rend
a paper on "FIelds of Thought and Investigation -
gation for Building Association Men , " in
the course of which be said :
For some inscrutable reason , the building
assoclitiomm has often mLeemed to lie a mys.
tty to that part of time public which has
not been directly conimected with It. Ti's
mnlm..onceptions of lt hiurposea , of its ilinitim.
imona and of its needs have been great ; and
imot the smallest task of the active friends
of the buildimig association has beemi to re-
EWC erroneous idean Ucla time mlmmd of the
vubllc , anti not only ( roam the mmii of the
public-at-large , but from time minds of the
macwhere of legislative bodies that have
mmmdc building association laws.
Time buildimmg association is a co-operative
credit institution. This deflnitiomm brimmgs before -
fore our mind , on the one hand , time fields
occupied by other forms of co-operative as-
socimmtlons , and on the oilier hand , time fields
occupied by other forms of credit institutions -
tions , Fromu time very essence of our organizations -
izations , we are closely allied whim both the
one and time other , 1mm copimon with other
credit institutions , the building association
gatimers together accumulations of capital
that otherwise would lie unmuseml antI inert ,
and , mnassing them , directs their use in
channels where they become a mighty
ecommomie force.
Many of the questions upon whose correct
solution the continued usefulmmess of the
building association has depemmded , have
been yed. There is much more of detail
. , .
-v-- -
to be worked ommt-much that wili give employment -
ployment to the brightest and best mindS
among building association men , It will
certainly tie to our own advantage to be
come familiar with the experience of cooperative -
operative sofieties in oilier lines of activity ,
and with the experience of other credit institutions -
stitutions and , more particularly , with the
experience of other forms of mnorigago
banks : and to study the deductions of the
soundest thinkers , who have made these
Institutions the special objects of their iii-
vestigations. Thorough familiarity with
these matters should certainly enable us to
make our own institutions more useful : and
I think we may say , without undue self-as-
sertion , that our own experience and our
own detluctions mna } ' be made tmseftmi to those
engaged in managing and legislating for
oilier co.opcratLve and other credit maLl-
tutions.
l'oqtnl Smmiimmgs llmtimk.
Time iliscuesiot of the postal savings banks
vas called and tue interest In time question
was shown by the 1elegates ImmedIately
crowding to the front the better to hear the
arguments made.
Jtmiitms Stern of Cimicago here read a paper
on "Postal Savings Ilanks amid Their ReIn-
tions to Building Associations , " In wimleim
lie advocated the cstablialmrnemmt of time po.
tal savings bank , Ho reviewed time history
of savings banks in this coumitry train the
formation of the government to the pros-
cot time , and then made an exhaustive review -
view of the operation of vostai savings
banks in European countries , Taiclng imp
lila argument then lie said :
Time Inadequacy of state laws in sonic of
the states , the inmpossibiiity of procuring
uniformity in the laws of time various states
and of that co-ordination which would permit -
mit of deposltimmg moneys in one savings
baimkmind witlmdrawing them in any oilier
at vIli , are certainly very atromig points 1mm
favor of a cemitral systenm under the coutmol
of the general government , affording the
utmaost facility for deposits , transfers and
withdrawals.
Another and most powerful argument iii
favor of the postomco savings banks is their
absolute security , as the whole atreimgtlm of
the government is back of theni ,
With the expertence to be gathered from
forty years of operation in other coimntries ,
disclosing time strength anti time weakness of
the system , it would apppear to be a matter
of commiparativo ease to inaugurate 1mm comi-
nection with the elaborate Postoflice depart-
macnt of the United States a savings bank
bureau that should prove it beneiit to the
people separately as individuals and to the
veoplo collectively as a governmnent , for iii
this country , of all commntrie. in the world , it
must he admitted ( or the boast of more
than a century of national life is a tlelu-
sion ) that the people are the government.
If this postuimito be grunted then time ob-
jectiomm raised under time cry of "paternnl-
lam" must be waived as soon no raised ,
for our government being atlmninisterud by
men who are the choice of no favored class ,
but of all the people. is in theory at least
time broadest exemplar of "fraternallnm. "
1mm this country , with its vast natural ro.
sources still awaiting development , its grpw-
ing cities arid internal improvements still iii
timeir infancy , time moneys gathered in time
postoffice savings banks all over the land
might under competent supervision he
readily invested in part In local and muniel-
pal improvements of undoubted safety over
the whole territory whence they are gathered -
ered and thus avoid mill disturbammce of the
mommoy nmarket in nn' qimarter ,
If it is a good thing for the people of a
cotmntry to become the creditors of their
coumitry by owning its bonded indebtedness
in sums of $20 to $500 eacim , as is contended
by the advocates of our Popular government
loan , why Is it not equally good , as an in.
duceimient to thrift , patriotism , to civic
pride , to be creditors of their country to the
extemmt of a deposit iii its saving Uammks to
1 , . . . , 41 . , , , 1A IP % . , .f . . ,
. ( ; C.LVIJ fl. 1&J4SVLLLIUI. AZIC flOLIfl LUU& &
ability ?
Let. the people be brought nearer to time
sense that their government is in all timings
the instrument created by them and existing
by their flat and for their service alone ;
that it is the outconmo of theIr joint efforts
and the consensus of their individual contributions -
tributions , and they will more thoroughly
do their duty in supervising it and insisting
that those whom they elect to do their bidding -
ding shall do it well. Then there need be
no fear of paternalism anti the peoile , because -
cause of a closer individual pecuniary interest -
terest , may be trusted to see to it that time
laws are so framed that the small , scattered ,
irregularly depommittl , and otherwise often
wasted , sums which they may deposit in
the postal savings banks in all portions of
time land are so invested by the government
for constructive purposes as to prevent hurtful -
ful concentration amid to foster useful pub-
lie works everywhere and yet have tIme niost
perfect guaranty of security for time invest-
mnemi t.
Olm,4)IIitmOlL 10 tIme I'lnmm ,
Mr. Stern received hearty applause at time
conclusion of his paper , and was followed
immediately by Judge Seymour Dexter of
.
Elmira , N. .1' , , who opposed time banks. A
synopsis of his argument follows :
Time discussion of this question arises by
reasomm of the recommendations of the jost-
master general of the United States that
time national government should estnhlislm a
postal savings system , and time introduction
into congress of a bill to carry out his rae-
onimnondations.
Time imnportmmnce of the subject demammds
careful and considerate examninntiomm. I
yield to imo one iii my appreciationm of time
importance iii stimulating habits of savings
antI thrift among our leopie , 1mm safeguard-
log our ioliticai institutions , and the immoral
development of our westora civilization , and
years ago felt myself him sympathy with the
idea of a national postal system , but at
iresemmt mmmy convictions are clear and fIrma
agaimmst it.
Time most important field of labor for all
interested in the welfare of our people amid
time future of our political Institutions , mutt
interested 1mm time imporiammt matter of btimnu-
lating savings amid thrift among the masses ,
and especially the omiconming generatiomi , is
the securhmm of wise legislatIon 1mm tIne tutes
whore mmcii laws are not found at present ,
touching the formimation of savings banks
anti building amid loan associntiomma , nmui
their supervisiomm. The people of limo country
as a whole have miot , in legislation anti (0.31-
erimmg care , appreciated the importance Cf
time local Inmilding ammO loan association , the
most immmportammt anti bemmeficial savimigs Institution -
stitution yet developed in our land. These
associations , durimig the last eight years ,
immive stmfferetl in a degree becntmso of lax
laws touching thou- formation and super-
'ision ; the laws beimmg such that they ver-
mmmitted the formation of associations bearing
time same name , but 'imolly different Iii
character , amid through whicim losses have
been sustainel in niammy parts of our country.
I am opposed to any United States hmostal
savings system because it is mmot 1mm harmommy
with the tlmeory and principles upomm which
our institutions are foundeij ; time domain of
our government almouhil be confIned to guard-
immg , mmupervismmmg , and educating Its cItizens
in tIme possession nnd ltantllimmg of their own
property , rather timaum to become their emma-
todian anti Investor ; to make the govern-
macat the custodian ntl immvestor of time
people's savings , tends to the growth amid
development. of patermmahisnm In government ;
time government is so constituted , that 1mm time
long run It cannot be a safe power to ha.
trust with the great responsibility that
would imm tinme be placeti upon it ; local sayings -
ings Institutions camm afford aubstammtlaliy
eqimal opportummity for the accumulation of
savings , witlmout. incurrimmg the dangers he-
fore-rnommtioned , anti secure an investment
of the savings in the locality where accunmm-
lated , and at time same time in large measure
tend to educate the savers iii time handling
and investment of their own money ; time
postal savings hank would temmtl to retnrtl the
growtim anti development of safe local say-
Jogs institutions.
Simpson Dunlop of Chicago , C. F. Bent-
lay of Grand Islammd and James Ciarency of
Philadelphia discussed time question , after
which (1. M. Nattinger suggested that time
discussion ho resumed at a hater session.
Time president announced that owing to
time plans of time bocal committec ( or last
night and this morning there would be no
more sessions until 2 o'clock this attermmoon
and adjourned the meetimmg ,
Suit ( if Clothes ilIsIIImIg ,
Ii , Iteroux , a cook Ia a restaurant near
Fourteenth and Farnam streets , has reverted -
vorted the theft of a suit of clathes ( roam
time kitchen where lie was at work.'imibo
Iteroux was bending over the fire dressed
in his working clothes some person entered
from the alley amid escaped whim his street
garmo'ismt wticb were hamigtog near the
. , ,
door1 - ' - . -
Soijill DAKOTA'S ' EDiTORS
Quill Drive29 from the Banana Bolt Are
Attending the Expoittion.
MANY OF THEM PIONEERS OF THE STATE
Men " . 'hmo Wemit to tIme VIlm1ermmess
flu ii II rac.1 II a rlslu I is to Ailer-
uSC' time Glories of mm tirent
Agricuit imual ImsII Ire ,
TIme South Iakota editors to time mmumnm-
bar of 125 , accomnpanied by their wives , own
time exposition now anti what Is more , they
rIil own it during the next day eras
as most. of theumi intend to remain 1mm time
city until Sattmrtlay , taking in evei'yklmitug
on time groimntls , not even mnissing time Midway -
way attractions.
Time Soutim linkotmt brain workers are on
their regimlar outing. They held timeir state
press convemmtiomi at Sioux Falls and on its
adjournment voted to comue to Onmaima. Time )
were mnet Imerti by Colonel iticlmardsomt of the
Publicity tlepartmimcmmt anti after being supplied -
plied with Irnsscs , were escorteti to time
groummds , vresentcd with time keys and told
to take everything thmmit they wamiteti.
Amomug the South Iakota men there are
a number who settled in the state when
it was a imnviimmg wilderness. For limatamice ,
tlmcro is N. C. Nash of time Camitoum News ,
who was imi time tmewspaper lmarmmcss long
before old Drifting Goose was evicted ( roam
time valley of time . nlncid Jima river. Nash ,
like nil of the old timimers who hmavo sttmck
to the business , Is rich anti jrosperouma. lie
owns a fine oflice building amid has a plant
that Is equipped with the latest style of
Presses and machinery. Ito rumma a mmews-
paper for busitmeas and profit anti while lie
is mu partitan of tue republican stripe , tloes
hot let volitics interfere vith money nmak-
ing. Ito imas wrked hard timmrimmg time last
twenty-flyo years , but proposes to take life
easier from mmow on. lieccntl lam has taken
his boys into nnrtnersimilm ammO they have
much to do witim looking after the active
work of the newspaper vlant ,
Omu' of Ilit' Origiimni llooimmt'rs ,
Another old timer is George Siosser , now
of Sioux Falls. George has resided in time
stab some fifteen years , but not always
at Sioux Falls. When he first wemmt immto
South Dakota ho took along an army iiress
amid mu almot sack full of brovier typo. This
ho ummmloatled at Ilitmmmt , a boom town emi time
Northwestern road in Hughes coummty a few
mnule east fran : I'ierre. There were no
lioumucs iii the town , hut thmere was a dry
goods store mmd some smmmnll trees. Siosser
bought a bolt of cotton cloth aummi wIth an
axe imo cut a imummiber of muzmplimmgs nrnl time
next tIny with them and his bolt of cotton
cloth constructed a tout iii which lie located -
cated lila mrimmtiimg 0111cc , Time amino veek
time Blunt Ativocate , a four-page sheet , witlm
four coiumnmms to time uage , appeared , with
the name George Slosser ilylmmg at the most-
heat ] . lie made mommey mublisiiimmg final
proof notices amid advertising for land corn-
panics. In fact , lie boomed time town , but
eventually seeimmg tlmat the lilace had no
very promising future , ho moved to Aberdeen -
deen and braimclmetl out immto an agricultural
editor. Iii this he contlimumed for a miunmb.tr
of years , later removing to Sioux Falls ,
where lie orgammizeti time South Dakota Newspaper -
paper Uniomm , of n'hiclm he is now time su-
perimitendemit , Slosser is one of the rich
newspaper mmmcmi of South Dakota.
I enry T. Volkmnar is another who helped
make the state change from a. wiLderness
to it land of imonmes. Ho came from Phil-
adoiphia sornetiming iess than twenty years
ago a beardless boy , and not belng loaded
dewmm with dollars , walked a .greater porUon
of the distance ( corn time Minnesota line
to Milbammk , over in time Clark county hills.
The Milwaukee road had just iocnted a
tovnsite at Milbank and Volkmar thought
that that would be a goomi place to drive
lila sta1es. He did so and managed to get
hold of a little mrintiumg office that was not
worth more tuna iso. lIe located settlers ,
did job vork ammd practiced as a land nttor-
fey. Busimmess comnmermced to rumm his way
anti year after year his wealth increased.
Later on ho built a fine office , equipped it
with till of the modern pm'intimmg machinery ,
married and today he is very well situated.
Urigiiizml IJoy FdItur.
Aitimnugh young iii years , S. Grant Dewehl ,
editor of the Pierre Free Press , is old in
experience. Along about 1880 his father set-
tied in Sully coummty forty miles from town
or railroad. Yotmng Dewelh hind worketi in a
primmting office kicking a job press amid
washing rollers , hut lie had mmover edited
a paper. lie saw aim opportmmmilty immmti witim
tIme tow dollars that lie imati saved ime
boumgimt a $40 press amid a case of type , pay-
lug lrnrt cash nod running lila face for the'
balance. The mmext thing was to have an
oflice , amid imaving exhausted his supply of
cash ho was hard put as to how amid where
to house imis printing ommtfit. lie was equmal
to the emergency and going out Imito a
slough near by he Idoweti up the grounti ,
cut time sod into convenient lengths nmmml
hauled it to a point near imia father's iioimse.
This sod lme laid up as they lay brick and
in the course of a few days had a strmmc-
tumre , minus a root , Driving to tIme Missouri -
souri river thirty miles away lie cut a
load of poles aimmi brush anti hulled for homne.
Reaching there lie used the poles for rafters
oh his house , coveriumg them witlm brush anti
these in turn with dirt , thus making a
roof that was mum imroof , Into this strmmo-
turo imo nmovemi his primmting oilico anti the
next week the hover , the Norfolk Times , appeared -
peared , filled with plate mmmatter. This con-
tlitiomi did mmot comtinuo ioumg , for tim fimmal
iroof notices , wbiicim u'ero time boon to time
early day editors of Sotmtim iakota , coni-
ummenceil to roll in auth success was assured ,
Dewehl immatle immoncy anti after a few years
mit Norfolk was emmableti to go to Pierre and
purchase an interest in the leading i'epub-
Ilcami paper in the central vortion of time
state.
it , 0. Ilesancon went to harold , a tovmm-
alto eu the line of time Nonthmwestern railroad -
road , forty-five miles east of Pierre , and
built thu first hmotmse , It. was mmot a very 3mre-
teuitious structure. It wan 12x14 feet , built
of roimglm boards , placed up nail tiown , withm
a tar paimer root. This was iii 1881 or there-
abouts. Time building served as resitience ,
printing oilhce mmd land office , ( or while imot
locating settlers on time jmuhmhic lanil llesamm-
con i'as publishing a. paper , It s'aa a hittiti
four column sheet , two pages mrimitcd at
imorne and two in Chicago. lie mnado money
ammd later on hmlmrclmased time Atlvocnto at
Blunt , which George Siosser established , lie
desides there now and is wealtimy.
1'immit ilmmiii , 'I'lm.'mmm Iliris.
While the South Dakota imewcpaper men
made money hum early days it was not by
ptmbhisiming news , but instead by mubllslming
notices of flmmai Proof. At time time of theIr
location nhi of the hand extending from the
Sioux to time Missouri river antI from the
British line to near the south boundary of
the territory was subject to imro-emnption cmi-
try , in 1880 settlers : mmoved in at a rapid
rate , Time law was such that at the end of
a six months' residence they could commmmnimto
and secure title hy ) provlimg this residence
and paying the govormmnnent at the rate of
$1.25 imer acre. Most of the seulers were
desirous of securing title mut. time earliest
pOsBiblo date , that they might afterward secure -
cure a homestead , which thmemm required a
five years' resldemmce. Before commuting
uion time pre-emptiun the settler was required -
quired to give notIce of Liii Intention to
mnku final jmroof , TlmIs notice. ummder the
rules and time regulations of the United
States hand ofilce , had to be publiimcd for
a leriod of ( pur weeks in the newspaper
nearest the land , Wbea proofs commeuccd
to come in the boys termed it those corpora-
lion anti boosted time price imp to $9.50 for
each vubhication. These notices ( iitl mint
occupy more thman two inches of single col'
ama space and were always paitl for 1mm ad-
vance. Tlmis aflorileti time opporttmnit ) ' that
they looked for when they establiahd their
papers , and after the first final proofs Caine
they rolled imm wealth until all of tIme land
rommnt1 them hind beemm proved imp , in some
instances time boys lmnil to run supplemuemmts ,
frequently publishing as highi as 100 imotice
iii each issue , That tiny has forever passeil
and imow they are down to lcgitimuato bust-
hess , html they mill say that they are doimig
well.
Among those in t1m editorial party are :
James Bryson amid wife , Gettysburg : \ \ ' . \V.
N03'es , lhrithgewater ; 3. F. hiahiitimty' and
wife , Iroquois ; U. M. Parley nnti wife , Mcdl.
son ; irs. J , P. Fmmtloy , Mmuthison ; hi. 1i.
Dowtlehl mutt wife , Arteslami ; ' ii , T. 'ohkmmmnr
amuti wife , Milbnmmhc Fred Atherton , W'elmster ;
\v. 5 , Fox , Trlpp ; 'iV. C. Bowemi , lttmriey ; L.
C. Taylor , Alexandria : T. W. Taubnmnn ,
Plankinton ; E. S. Johnson nnmti eomm. Mitchell ;
liner ) ' \'cmitzy anti sister , l'tmkwammn ; It. C.
Tumeker , Etlgirton ; Miss A. Nilsomi , Edger-
10mm ; E. B , Dye nmiti wife , Gimenaivay ; 3. 1) .
lteere , ( Irotoum : Miss Momma Tmnmhmmiian , 4ber.
lcen ; Miss Lizzie Samnuels , Phmimiklmmton ;
iicmmty I hoffnmami , 'IVoohsoy Miss Johnsomm ,
Mitchell ; (3. W. ICehleyWoomisocket' Chance
S. flee'l , Woomisocket : A. Shernimm , llnittomi ;
C. J. Maymimurti , Kimball ; MIss Edith Setig-
wick ; iImimbail : Miss Fioremmce LaFohlette ,
Chnmberlamnm ; Miss Lizzie Stevens , Chain-
berimin ; Mr. nnti Mrs , W. P. LaFollette ,
Clmammmberlalmm ; C. C , Fletcher , Abertleemu ; F.
3 , Trmmcey , , Ipawich ; E. 3. Searles , Atmcrdeemm ;
3.v. . Peckhamim , Aiexnmulrimt ; L. V. Ioty ,
'atertowmm ; E. F. Latacim , Clmntberiaimm ;
F'm'eil LaFoliette , Chammmbenlmmimm ; W' . S. lIowemm ,
Ynmmkton ; J , F. Arnmstrong ammti wife , Ynmmk-
toni ; S. G. Dewcii , Pierre ; C. C. Lowe anti
wife , Snlemim ; J. 1' . Loonmartl , ilctlammti ; L. J.
Bates , Lake Preston ; N. C. Nash , Cmumtomm ;
C. I' , Simerwooti anti wife , DeSmimet ; Mrs. J.
M. Patton , Salemim ; L. C. Taylor , Alexamidnin.
DELAY IN POLICE SERVICE
3lnlclimg Ucrmitlm Chief of Ic'tvetI'cs
.Alri'mtiiy Jiesimits imL ( 'ommfuslomu
miimd a Start for 'VimIeves ,
TIme ntnv ortier of limo Boarti of Fire auth
Pollee Comnmumissioners by which time detective -
ivo force has bet'um tnkemm fromn time charge
of POiicu calmtaimms ammtt idaced ummther a chief
of tletectives is already working to time
further comufumsion auth immeillciemmcy of time
imohico department. Time artIer imosteil at limo
city jail directs that time tlmirteen detectives
hereafter rehmort to Sorgenmmt McGrath , who
shall hmave cimtim'o uiumthority over tlmemmi ma
chief mmmii that they ho respomisiblo to no omie
else. Time police captains tinder time order
have mio Power to detail nasigmimmiemits to mmmcmi
oil thetecti'o duty , mme matter what emmmer-
geumcy mimny arise , As it is imupossible for
time chief of detectives to be emi duty coum-
timmuously there is a comisitherabio imortiomi of
tinme each twemuty-four immure wimemm time tie-
tectlves are absolutely without a working
imeati. If citizens who have mmccii of a the-
tective notify time central statiomi of the
fact time chief of that departmimemmt must first
be locumtetl ntuti orders truimmamimitted through
hint to time mmmcmi.
A vlctimmi last mmigimt of this delay and con-
fusetl authority at time central statiomu vmms
Willis M. Ward , a dealer in extracts , who
lives at 2207 Douglas street. Mr. Worth's
bemuse was rohmbetl seine tinmo yestem'tlay
morning , amid 1mm thuti nftermmooum lie notified
time poiico station of Limo theft , whIch
nmmmoimntetl to $30 iii money , a rnilroati ticket
anti a qimantity of other property of valtme.
No progress was made in time case and last
mmigimt Mr. Ward was led to stmspect that time
robbery had been conmmitted by a. young
mami who had access to the hiommac.
Mr. Ward says he notified time hiolico station -
tion that ho desired to have a detective investigate -
vestigate the affair at omice in order to aim-
tichpato time thief's possIble departure. lie
was unable , however , to get connection with
thu chief ot detectives , to whom lie was
told the matter : mmust necessarily ho re-
( erred , and fimimuhly urged the mmigbt captain
to detail' detective to time work , as qmmiclc
Lction ' as necessary. Mr. Ward says time
cnptaimm explained to him that time detective
department vas out of his jurisdiction amid
that lie could only send a umiifornmoti 1)011CC-
mmmii tmumless time chief of detectives shomulti
happen to make his appearance. A Patrolman -
man coimltl ho of no muse to Mr. Warti nailer
time circumstances amid he was obliged to
await the arrival of the chief of detectives
seine timime later. In the mneammtimo valuable
tirno hunt been lost and no results have beemm
accomplished.
HORTICULTURE AS A SCIENCE
1ehriln iiiii Iua Mi.mi IIseii Ilie
I'rmmi't I'nI t'orklmigs of
'Vliiii' Vot'ntion.
Time hmortlcultunlsts of Nebraska and
soutimwestern Iova ihmmlsimed their comiventlomi
yesterday. Mammy of time uimenmbers were
at time exposltioum grounds nmd sonic of those
rime were to have papers aim horticultural
topics dutl not put mm nppenrnnce nnti as a
result time prograni of both nmorning auiti
afternoon was very comnfortnhly comutheumseii
imito the one cession. Time sulmject of evergreens -
greens left over ( rein Tuesday was ( llsctmsseth
amid apurs m-eatl by J , I' , Dumumlap of Dwight ,
Nob. , M. J. Wragg of Waukee , La. , antI F.
H. Bruumimmg of Kent , In.
3 , 1) . Stihlsout of York , Nob. , had for a
subject "Time Immiluence of time Bee on time
Fruit Crop. " "Time Two Most Imnportmmumt
Coumcluslomms in Fifty Years of Experimimcmmts
in Horticulture' ' wnu imandieti hmy iloim. Ii. i' .
Spear of Cedar Falls , In. ; "Fifteen Years
1mm louva Pear Growing , ' ' hmy M. 3. ( lrahmmmmum
of Add , In. ; "how host to Sell 1mm a home
Market , " by A. 14. l'lumnmmmer of Ivy , In. , mmmiii
"Cmmrrcmmt Ctmltumre , " by L. 0. 'iVihlinumis of
Coummcih Bluffs , Ia.
After each hind linlshmeti reathing his imaimer
time other mnemmihmers asked quemitioums antI tils-
cussed the vmmniommmm wmmys of rmuislmmg and cmii-
tivating time fruIt in question , A commmmmmittee
of timreo mnembormu was mmppolmmteil to theciulmi
on anotimor umiiomm mmmceting of time two asso-
ciatlomma duniumg time whiter. Timis conmmmiitteo
is as follows : lion , W. 0 , Mitcimell of Conmm-
lug , Iii , ; 0 , W. Lotspiechm of icent , Ia , , anti
Silas Wilson of Atlantic , Ia.
w. 0. Mitchell of Corning arrived tinning
time morning , hIm is imw finishing Imla first
terni as state senator from Adaumms coummmty ,
having previously occupied a seat 1mm time
house of ne'presentatiyemt for two terms , tIme
Iirst termmi acting mis speaker of time imommami ,
Mr. Mitchell reports that crops are looking
very well in hmimm section of time country , mmml
that timere will be on inmumense crop of corn.
Time dry weather imas Injured it sonic , but
hot. to any great extemmt.
.A uimu Ni'Iemm , Is.
Anotimer stroumg vaudeville show Is aim-
nouneeth to opemi mmcxi Suntlay at time Troca-
dero. i'romlnemmt ( ma timti bill will ho lrrmma
Orbasanmg' amid her traimmed cockatoo ; thIs
act comae direct fnommm Kostn'r & lhlmul's tmf
Now York , wimene it hits 'been mmccii mmlgintly
for the last timree mmmonthms. Other nets omm
time list are the Watsomi sisters , celebrutetl
nenlahistum ; Frank Leo Mondue , priuco of
time slack wire , nail six othmers.
P1'l liters Sued Ohllt'.rs.
Omaha Typographmical ummionm , No. 100 , hmeltl
its electiomm of oiitcers yesterday in Labor
temple. Great immiercat was mmmanifosted , 155
'otes being cust omit of a iossihlo 1ST ,
Timore was little ntrugglo for any of time
othicemi of the local union. but a number of
candidates were in time race for selection
mis delegates to the eonventioa of time International -
national Typographical uimioim to be hmeitl 1mm
Syracuse , N. ' 1' . , onm October 10. V. II. Iclim-
aol , Ii. C. Itowloy , A. F. Wilson and Ilemmry
Yimmghing weno the four cammihimlates for timia
hummer amuth V , II. KInney and It , C. Rowley
were chosen , Kinney receiving 'S votes anti
itowley 78 ,
'Fho following olficera of the local lodge
wcro pelcoted : . 8mhley , prcsWcnt IC. .
The OontineiitaIs
tc.TL. , 6,1
Stock rn6atthlg Sae
Men's Stills SILOO
'
See Saflhl)1CS of these
$ iO.OO suits in oiur
s1iO'WT Wi11TOWS.
Men's Suits 5OU
.
.1 0111' eli iee ' 1)1 the
suits iii the seeoiid row
ill 0111' s1iov 'WillIOWS
foi' only 5.OO.
This ll'iCe is l'iTlCIl-
loiisly lOW , Illt it iS
the WillI-1lJ ) of oiii. '
stock - cleaning sale ,
and WC ni'e gOilig to
give the pllllic ft1I
benefit. Bai'gahis in
straw hats f)1' ( 1fl11.
alll boys ; andilin boys'
suits foi' this is a
stock - cleaiithg sale
and the last week.
It icihl tThmiblij judy yoni to ace time
Conuimcmmta Jirt.
N. E. Car , l5thm amid 1)oumglni4 ,
_ _ _ _ J
S. Fishier , vice ircsldent ; Id. G. Edwards ,
sccrctnry-treasmmrer ; W.V. . Vosinmrglm , ser-
geant-at.nrinti ; trmmstees , A. U. iltmtler , .r.
J , j , Lewis ; delegates A. 1' . ' 1' . C. .
S. 1t. flurnhmumm , harry Rowley , Cimaricmm
Lhmmdsiey.
GOODIES FOR THE GUARDS
'rum ( If All Sorts of Ca iiIm Coii.firtu
Selit tIme fluimmi Immi llo's itt
CliiikllIIIZLUgmI , '
\\'Imcmi Major Wilcox commeelveti time idpm'i
of muemmding some dcllcai'ies nmnul other anti-
plies to limo Ounalma Guards in camp at
Cimlcknummatmga lie exlectcd ) that mm hmox oi two
of supplies would ho comitribmmtetl , but girts
exceeded all expectatiomma amid imioro thumur
2,000 iioUmiiis of muodiciumo , provisiomme , tobaccos -
baccos , preserves , cakes , immuumimnocks , nmnga-
ziumes mumti everything imagimmablo that uvottltLi
coumtrihtmto to time comforts of cnummp hifol
. % . ( ) ( ) hmackeil amid PreParetl to ho expressed.
to Chickanmauga today. All time packimm
hmrnmses hum Sotmtit Ommuimlma nmaile comitnibutionmi
of canned goods ; the Omaha whmolesmlo : groceries -
ceries donated tobacco , 1111)05 , himimm3 juice mmmii'
other supplies ; time wboiesale drtmg houses
gave immetliclnes whIch are umeetleti most. ilL
time field , and immdividtmale coumtribmmteil vack-
ages for time misc of time comtmiany mmmiii cur-
taimi nmenmmbcrs of time company. Time work
of czmniuig ( or time ( lonatiomus u'as tlomuo ant. . '
tircly by Major Wilcox mtmmtl imo exlmrcsmmcui
time goods to Cimiclcammmatmga at him owmm cx-
huc'mmse. Time commslgmmmmmemmt wil 1 reach Chmick-
amnauga oum Satturthumy mmmiii will be ihiimtrib-
mmted mm that time boys viil live Iii lmmxuryu
Sunday.
A mmmllmem' , 111111 roi'ciiit'mmt lii 'I'rflin Si'rvm
1c. '
on Nickel Plato road , trnumm No , 6 , leavIng
Vami flumrcti Street I'asseimger station , Clml-
cage Comm time Loop ) , mit 2 :55 : ii. iii , daily , for
JIUffttl ( ) amid local statinumum , with Jimmffm.Jo
sleeper. Also Now York sIcejuer via Nickelt
l'hittii ammd Lackas'ammna roaths , Rates imlwutyir
time lowest. Time excullttmmt traimm service tim
flostnui nmmth New York City , vitIm tlmrougit'
thay coaches nmmii sleepimig cnrs to New Yonl
City amid thmnommglm sleepluig cans to Boston ,
and time excellemmt illuming car service , vliI
commtimmue as heretofore ,
CUT RATES ON HARD COAL
Figha t Is over itiil i'rl.m % t.'Iul JOel
lies lured Vl I Iii mm IL Very Simort
'l'IiIi , ! . I
Time ccommomnicah hmotmsehmoliler , lIke tilt , am-
gacloulu coal lcmmler , mtimommld take umlvmmumtago
of time liresemit price of coal anti lay 1mm 1mb' ,
wimmter'mm supply , uma within time mmcxi ten dmuym'
aim niivanmce of at least $1 arm time tomm wilt'
be mnilu. Time flgimt bctweemm time big ° 'or-
atone in time coal llelmis was declared offt
Sumniiay mmmiii time lmnicce emit ilurimig time liglmt
wIll nesummie thick' old mam'lui.
lheoru time ! lm'hmt time irlce ocr 10mm vnns
8.50 ; it iu how $7.50. Through mmmi error i ;
jimthgmmmeumt as to the dmmratiomi of the light
Oumimmimmu coal ilealurs cut tlum hirice to thu
imrcscmmt llgmme. 'limo cut i'au matlo Fnitlay , ,
two thmmys before imencim wttnt ilcclmreil : hmetweumi
time operators , Ommim of time dealers mmdtnittett
yestertlay that immi they thuugimt titmit time
ilgimt vas so near over time > ' would umet have ,
retlucod time hmnico a cent. Oimt of tIme fit-
teen local dealers about five took udvantmngo
of time cut vrices uuiii laid 1mm theIr winmter'ms
supply.
_ _ _ _ _ _ _ _ _ _ _
IL'mm t IC , 11mm iii'm's Fn ii i'ruI I.
Time romnaina of ICent IC. llnyilen of Lia-
cola 'hli arrive hut Omaima pe'r ii. & 'il , rail-
ay omm Tlmunsmhny , July 28 , nit 4 m. in.
Services mit the grave , Prospect 11111 cain-
etery , mit 1 :30 : it , am ,
-
KICSFRD9
OSWEGO ON
STAR
for tlio tab1o
Th OrILnn1 , OIdft LHI1 Uct
( I. !
