8
A. J. LOVE, President.
FKAXK 3. 1LSKELL, Secretary
II. A. SHAW, Mgr. Surety and Liability ltit.i.
jOvcb" (C cd nnm p a fq. y
l3 n b iru nn a m
Jertificate of Publication.
STATE OF NEHKAfSKA,
. .f floe ol
ACD1TOH OF f HMO ACCOUNTS.
. ( t LINCOLN. Keb. 1.- 1I0.
IT 18 H5mm,CJKTIKJKfV That the
New York PLa te .L I a liifis.ao wmpany of
New York in the itul of New York, lias com
piled with the InHiiranre low of this mate,
applicable to such companies and Is therefore
authorised to continue th business of i'lato
tJlass Insurance In thin state for the current
year ending January 31st, 1910.
(Summary of r port filed for tho year ending
tccember 31, 108:
INCOME.
Premium . .$53.414 92
All other sources
Total $5S5.796 0
DIPHURSEM KNTS.
Paid polley holders. .. .$J2.i. 752.1)0 I
All other payments ... 297,195.76 . ,.
J Total .51D,4.6
-V Admitted 'Assets ". V. I ".81.?4. 12
LIAHIL1TIES.
Unpaid claims and.ex-,-
penes B. 416 09
Unearned premium.. , 276,tlll.4.ti
, All other liabilities. .. i 4S.410.6O $327, 795.12
Capital stock paid up 200.000.00
Surplus beyond capital ' 1
stot-R ana other lla-
bllttlos, ...... ...... 333.449.27
$583,418. 27 .
Total ,. . ,f!61.2M.3
'Witness my hhnrt' the al of tho Auditor of
Public Accounts the day and venr. first above
written.. - , -. SII.A9 H. J1ARTON,
(Seal.) Auditor of Public Acrountj.
C. E. J'IKRCB. peputy.
OBiTtncATB or vrniLZOATioir
STATE OF NEUItASKA. OFFICE OK
. AUU1TOK OF' FLllHO ACCOUNTS.'
LINCOLN, Feb 1st, 1909.
. IT IS HEREBY CERTlFIfcTD; That the
Calumet Insurance company of Chicago, in the
state of Illinois, baa compiled with the In
surance laws of this state, applicable to. such
companies and Is therefore authorized to con
tinue the business of Fire, Lightning and
Tornado Insurance In thin state for the cur
rent year ending January 81st, 1910.
Witness my hand and the seal of the Audi
tor of Public Accounts, the day and year first
above written.
SILAS R. BARTON,
(Seal.) Auditor of lhihllc Accounts.
. C K. PIERCE, Deputy.
CXBTXTICATB Or PUBLICATION.
STATE OF NEBRASKA, OFFICE OF
AUUiTOK OF 1'LULIC ACCOUNTS.
LINCOLN, Feb 1st, 1909.
IT IS HEREBY CERTIFIED. That the
Caledonian Insurance company of Kdinbui g,
Scotland, . has - complied with the Insurance
laws of this state, applicable to such compan
ies and Is therefore authorized to continue
the business of Fire Insurance In this stato
for the current year ending January 3st, 1910.
. Witness my hand and the seal of the Audi
tor of Public Accounts, the day and yeur first
above written
SILAS R. BARTON,
(S4al.) Auditor, of Public Accounts.
C. E. PIERCE. Deputy.
CEBTirXCATB OT PUBLICATION.
STATE OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN. Feb 1st. 19(
IT IS HEREBY CERTIFIED, That the
Shawnee Fire Insurance company of Topeka, )
In the state of Kansas, has compiled with tho
Insurance law of this stute, applicable to such
companies, and Is therefore authorized to
continue tho business of Fire insurance in
this state for the current year ending January
81st, 1910. .... . ,,
Witness my hand and the seal of the Audi
tor of Public Account, the day and year first
above written . glLAS R. BARTON.
(Seal) . Aunt.
Every Known Kind of Insurance
ROOM 1, NEW YORK LIFE BUILDING
'Phones Douglas 380. Independent 1380:
YNSURANCE is our business not a sideline. We employ expert help in every depart
merit, and give our business our own direct, personal attention, not "some of the
time," BUT ALL THE TIME
Nebraska State Agents for the Following Companies:
AMERICAN BONDING COMPANY, of Baltimore;
Fidelity, Court, Contract Bonds, Bank, Residence and Bur
glary Insurance of Every Description. ' ;
TRAVELERS' INSURANCE COMPANY .of Hartford,
Employers' Liability and Automobile Insurance.
NEW YORK PLATE GLASS INSURANCE CO., of New York.
CALEDONIAN INSURANCE COMPANY, of Scotland.
NATIONAL FIRE INSURANCE COMPANY, of Hartford.
STATE INSURANCE COMPANY, of Nebraska.
BOSTON INSURANCE COMPANY, Automobile Department.
If you are a Banker, Real Instate Agent or Insurance Man, and desire to represent
companies in any line of insurance, the facilities of our office are at your disposal. We de
sire agents in every city, town or hamlet in Nebraska where we are not already represented.
We Represent Locally the Following Fire
Companies in Addition to the Above:
CITIZENS INSURANCE COMPANY, of St. Louis.
CALUMET INSURANCE COMPANY, of Chicago.
NORTH BRITISH MERCANTILE INSURANCE CO., of England
PHENIX INSURANCE COMPANY, of Brooklyn.
SPRING GARDEN INSURANCE COMPANY, of Phildelphia.
SUN INSURANCE COMPANY, of England.
SHAWNEE FIRE INSURANCE COMPANY, of Topeka, Kan,
We Insure Any tiling Anywhere
Stability Accuracy Promptness CoMPtcsy
Certificate of Publication.
STATE OF NBHHA9KA,
Office of
AUDITOR OF PUHLIC AUIirSTR.
LINCOLN. Feb. 1. pjoS.
IT IS H ERICH V CERTIFIED. That the
American Rending company of Haltimore,
In the stato of Maryland, lias compiled
with the Insurance law of thin state, appli
cable to such companies and la, therefore,
authorised to continue the business of
Fidelity and Surety, Burglary Insurance In
this state for tho current year ending
January 31st, 1910.
Summary of report filed for the year
ending December Slut,-1908:
INCOME.
Premiums 1X17.972.68
All other aources ,. 111,242.6$
.ToUil !29,:i5.M
DISPURSEMENTS.
Paid policy holders J178.237.61
All other payments 604,511.47
Total , , .$782,71908
Admitted assets $1,619,H08.23
LIABILITIES.
Unpaid claims and ex
penses $252,500.75
Unearned premiums .. 495,755.11
All other liabilities 67.IMM.1U $ 816,249.96
Capital stock puid up.. 600,000.00
Surplus beyond capital
stock, 'and other lia
bilities 303,553.27 f 803.553 27
Total $1,619,803.23
Witness my hand and the seal of the
. Auditor of Public Accounts the day and
year first above written.
, , SILAS R. BARTON.
(Seal.) Auditor of Public Accounts.
C. E. PIERCE. Deputy.
CEBTlriCATB Or rUBLXCATXOIT.
STATE OF NEBRASKA. OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN. Feb. 1. 1909.
IT 19 HEREBY CERTIFIED. That tho
North British and Mercantile Insurance
company of London and Edinburgh has
complied with the lnaurance laws ot
this state, applicable to such companies
and Is therefore authorized to continue
the business of Fire Insurance In this
state for the current year ending January
31st, 1910.
' Witness my hand and the seal of tlio
Auditor of Public Accounts, the uuy and
year first above written.
SILAS R. BARTON,
(Seal.) Auditor of Public Accounts.
C. E. PIERCE. Deputy.
CERTIFICATE OF PUBLICATION.
STATE OF NEBRASKA. OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN, Feb. 1. 1903. I
IT IS HEREBY CERTIFIED, That the
Sun Insurance office of London, Eng
land, has compiled with the insurance,
law of this state applicable to such'
companies and 1b therefore authorised
to continue the business of Fire Insurance
in this state for the current year ending
January 31st, 1910.
Witness my hand and the .ial of tho
Auditor of Public Accounts, the day and
year first above written.
SILAS R. BARTON,
(Seal.) Auditor of Public Accounts.
C. E PIERCE. Deputy.
FARM VALUES MOVE
Development of Nebraska a Story
j Full of Magic.
BOOSTS EICHES OF THE NATION
Wraith of ke State, Based on Land,
s Solid, Our Farm Mortaaaes Are
Ollt-Edge and Home Money
Is Plentiful.
frtie basis of value of farm lands Is Its
productiveness. . A farm' Intelligently
handled suffers no deterioration; it cannot
blow away or burn up and its value is in
trinsic. The development of Nebraska farms Is
like a magio story, with Its chapter on
making tho desert bloom and arid regions
teem with rich harvests. The productive
ness of Nebraska soil has added many
millions to the wealth of the nation, and
today the Nebraska farmer, business man
and banker are Independent of Wall street.
Bo wonderful has been the yield of grain,
alfalfa, fruit and root crops in the lust
fourteen years that if statistics were com
plied and given here it would be astound
ing. That Investments in Nebraska farm
lands have been roost profitable is evi
denced by the fact that thousands of No
braskans five, ten and fifteen years ago
owning scarcely any property and majiy
working on salaries through Investment In
Nebraska farm lands have acquired for
tunes. On every section, in every town
ship, village and city, if you will examine
the sources of small or large fortunes, you
will find in ninety -nine cases out of each
hundred the accumulation of wealth came
through investments in Nebraska farm
land. No Investment or security is more
aafe or better than Nerbaxka farm lands. It
IS not subject to tho cuprloe of Wall street,
as was evidenced In the recent money
Vanlc, with which the average Nebraska
farmer had little concern and no worry,
and during that money flurry no farmer
would, consider, parting with his holdings
for cent less than before. From that
time the price of land has been steadily
advancing, and there seems nothing to
prevent its further advance in value.
Nebraska Values Solid.
Many good reason exist why Nebraska
farm lands will continue to advance In
price. Approximately one-half of the popu
lation of this nation is dependent upon
agriculture and our crops are our main
stay. Nebraska in fortunate in being In
tha corn belt, and no matter how many
millions, of . acres are brought under cul
tivation 1 by irrigation, there is only a
certain area in the corn belt, and Ne
braska's .lcld of corn each year will bring
thousands upon - thousands of dollars to
Its farmers. Corn, wheat, oats and alfulfa
huve made Nebraska farmers Independent,
Its railroads .earn .good dividends. Its live
stock markets have been supplied with Ne
braska beef, pork and mutton, and the
mills grind night and day, furnishing em
ployment for thousands upon thousands
who directly and Indirectly are dependent
upon the prosperity of the farmer.
Nebraska farms, If Judiciously bought,
are today a most desirable and profitable
Investment, and grsat fortunes will un
made by the shrewd, careful, conservative
Investor. The higher priced farm in eastern
Nebraska has not reached Its highest
value, A good hustling young farmer, hav
ing enough to make a fair payment, need
not hesitate to go In debt for a Nebraska
farm. The farm will pay every dollar of
Indcbtnoss If properly handled. No Ne
braskan lias any good reason for taking
surplus earning from Nebraska farms and
Investing it In cheaper lands 200 to 400 miles
north or south, when right here in Ne
braska are more good, safe and sure oppor
tunities for Investment and speculation.
Conservative investors are realising this
and refuse to invest other than here, no
mutter how cheap land and glittering
premises are made. They know no greater
money making crops are produced than
corn, wheat, oats and alfulfa, and here In
Nebraska we have the soli and climatic
conditions that do not exist in the far
away localities. We feel like calling a
halt and shouting, "Stand up for Nebraska
farms thut made you the wealth by which
you have a surplus to Invest." It Is hard
to conceive of un investment as good as a
productive Nebraska farm.
Fifteen years of experience in selling
Payne Investment Company
J. A. OLSON, Mgr. Insurance Dept.
Fire,' Lightning, Tornado and Hail Insurance
FIDELITY BONDS
BEST COMPANIES REPRESENTED
WE SOLICIT YOUR PATRONAGE
GROUND FLOOR, NEW YORK LIFE BLDG.
Bell D-1781 PHONES Ind. A-1188
Nebraska farm land and negotiating first
mortgage loans, leads to the belief that the
next best Investment to a good Nebraska
farm Is a first mortgage on a Nebraska
farm. Most men have had to borrow money
at some tlmo in their lives. Qreat fortunes
have been made by lucky borrowers who
mortgaged land for part of the purchase
price. Borrowing is a necessary adjunct to
business, in fact 90 per cent of the world's
business is done on credit, which is really
a form of borrowing money. ; "
' Furiu Morliiaxe GIlt-Tdsre.' '
The best proof , that Nebraska farm
mortgage investments are gilt edge, first
class, choice investments Is that the big
life Insurance companies in the east' at
one time owned millions of dollars of Ne
braska mortgages'. In making furrri loans,
we consider richness of soil, number of
acres of tillable land, ability and charactor
of the borrower and distance from railroad
market. In fifteen years of experience In
negotiating first mortgage loans on Ne
braska (arms, we have never had a fore
closure, and today do not have a cent past
due or delinquent Interest.
The rate of Interest on Nebraska mort
gages vary. The rate is 5. h and 6 per cent
In some localities and in the extreme west
ern nnd northwestern part of Nebraska the
rates are said to be as high us 7 to per
cent. It Is true that the returns on mort
gage loans are less than on speculative se
curities, but the security is better. The
rate of Interest on Nebraska farm mort
gages depend on the productiveness of the
locality In which the farm is located, being
'inwer In Inp.f Irtn. U' V. . . . 1 .1 luml. a. r a
the most valuable.
Home Musty Plentiful.
Fifteen yeurs ago nearly every farm
mortgage was made to some eastern life
Insurance company. Today in south
eastern Nebraska local capital is nearly
sufficient to take care of all the
farm loans, and in many localities the
rntes and terms are less and better than
the big life Insurance companies offer to
make. The average farm mortgage runs
flvo years and gives the borrower the
privilege of puying 100 or multiple at any
annual interest paying time The greatest
demand within the last two years for Ne
braska farm mortgages come from Ne
braska farmers, who each year have added
to surplus earnings and look upon first
mortgages on Nebraska farms the next
best security to owrdng the farm. Many
of the farmers are so prosperous that they
find It Impossible to secure choice Invest
ments, and eastern banks are burdened
with a large amount ot money on deposit
by farmers.
Speaking more particularly of Tork
county, considered one of the best and
most prosperous counties In Nebraska, hor'e
a large percentage of tho farmers own the
farms on which they reside, and have built
largo, commodious, nv.dern farm homes. In
which they have gas plants, air pressure
water service, which irrles water to all
parts of house', lawn and barn, und fur
nuees for heating. In th.-lr laigu barns are
housed tl'.e very best breed nf horsi-s and
cattle, large cribs tind granaries which in
season lire filled to overflowing. In the
house is a telephone by which the farmer
can communicate with nearly every farmer
in tho county, und at the gate Is a mall
box, it) which Is placed each morning his
mall and dally paper, m iklntf the If roe
life for the farmer mo:e Ideal nnd sur
ro.nd!:.c h'm with comforts and cin.vinl
o:.C(S. ail of which ho Un lioiu-sl.y eaiuej
and is rntltled to In his declining years,
after bearing the hardships of the early
pioneer, who transformed the plains ot
Nebraska into a garden.
York. Neo. ALFKKD U. CHRISTIAN.
WASTE BY FIRE ASTOUNDING
H. N. Kelsey, an Expert, Reviews the
Preventive Legislation.
EXPLAINS WHY RATES ARE HIGH
Quick Action for Your Money You get
that by. using Tbjj Bt. advarUdUi columns.
Conarested fritters of Cities Contrib
ute Heavily to Yearly Destroc
. tloa of Wralth.br Klres that
Arc Preventable.
In an address to local agents In Iowa on
'The Fire Waste of the Country and the
Kffect of Legislation, Harmful and Re
medial," II. N. Kelsey, considered nn au
thority, said at the outset:
I should like to see added to your creed
additional articlea of endeavor, giving a
broader scope to your usefulness, with a
view of securing through state and munici
pal legislation, better laws regulating con-
strnctlon of buildings, and Improving tho
water supply and fire protection devices of
cities: securing the passage of such laws
as will best conserve the reciprocal inter
ests of the country and the people, includ
ing a law providing for the office of state
fire marshal, to be conducted, as are nil
other police regulations, at the general e-
penso of the state; and the abolition of
laws at present on the statute books, wlrtch
are contrary to such Interests."
An effort was made during the recent
session of the legislature to create tho of
fice of state fire marshal, hut 'it failed.
The office of fire warden for Oinahn, to
be appointed hy the mayor, was created, at
a salary of $1,500 a year.
Talking of anti-compact laws and similar
statutes, Mr. Kelsey said: "There is and
has been little Just complaint" aalnst com
panies! upon which to base the oppressive
laws which are on the statute books of
many states. Most of them have found
their way there through the offices of
some disgruntled Individual whose selfish
ness received a check from some company
in the adjustment of a loss." In this' con
nection Mr. Kelsey claims that the esti
mated rates of such states are the beet re
flection of the measure of worth of the
business in these states, and that upon the
local agents largoly depends the differen
tial In fire Insurance rates which are
finally obtained on given classes of busi
ness, and continues:
Merchants Are Careless.
"There is good reason why ihe merchant
should pay your estimated rate price. He
has contributed more to tho fire waste of
the country than any other business In
terest. It has been estimated that if the
congested centers o cities and towns
w.-re made to pay for their own losses, the
rate now prevalent In such centers would
necessarily le doubled.
Notwithstanding tho buoyancy which
fire insurance gives to commercial credit,
in the year 1906 there were 10.63 commer
cial failures, with liabilities of tll,3iil.5iri.
Is It not necessary that fire insurance In
demnity be kept saf- and solvent? Is It
not our duty to collect the worth of our
indemnity on Individual risks. ncord!rg to
the leit guiles furnliahed us? Local agents
shou'd rot on'.y safeguard the Interest of
their eo-np-.i'.uf, r-tt :!-:t cf their commun
ity as well. In the sek-ctlon of risks, and
should not forget the old lilblleaj admoni
tion that "He that la slothful is brxher of
him that wasteth."
"There Is always this element of Injus
tice to taxing fire insurance premiums:
the careful and provident citlirn who in-
Isuros his prutierly not only pays an In
surance tax direct to the, company, but
also contributes to the state tax on the
company, which Is Included in this rate;
while the nonirisurer gets the same munici
pal or state protection, without this addi
tional burden."
On the subject of state taxation of
premiums, Mr. Kelsey gave figures show
ing a vast excess paid to the state over
necessary expenses, all of which, ho as
serts, "Is in a way the penalty paid by
people who buy fire, life or other Insur
ance Indemnity, ever and above those who
do not."
Another crying need In this country, said
Mr. Kelsey, is the adoption by largo cities,
and by the state for smaller cities and
towns, uf laws and ordinances regulating
building construction. In this connection
I refer to four Bpecial recommendations of
tho National Board of fire Underwriters
to-
Provlde for the protection of buildings
from outside exposure fires; for the pro
tection of all vertical openings in build
ings; to prohibit tho use of shingle or other
combutible material for roof 'covering; and
to call special attention to the necessity
of limiting the height and urea of build
ings. In fixing the limit of helg'ht and
area for buildings, consideration should al
ways be given to the efficiency of the fire
department and the adequacy of the water
supply. No fire department should be de
pended upon to successfully cope with a
fire of serious proportions at a height be
yond sixty-five or seventy-five, and a fire
In any building having an unbroken floor
trea greater than 6,000 to 7,5o9 square feet.
Is likely to be difficult for the firemen to
control.
Mr. Kelsey point out that, as the result
of the burning of San Francisco and the
losses sustained thereby, the foreign fire
Insurance companies imported Into this
country during the year 1908, $D7i52,404 In
gold. Those funds went to pay actual
losses, which had to be met with spot cash.
During the last financial stress and flurry,
the banks Imported through New York
City, during the months of October and
November, $58,301,7X4, and In December,
1907, $36,670,908, or a total of $94,878,692. The
total gold Imports for the whole country
during that time amounted to $11:,&35,84G.
After the San Francisco fire, the Ameri
can fire Insurance companies raised and
put into their business to meet their losses,
a new capital amounting to .'6,238,513. This,
with the amount Imported by the foreign
companies, make $84,090,917 pf absolutely
fresh funds required In the business to
meet the emergency.
It Is thus demonstrated, says Mr. Kelsey,
that although given communities or even
states may be comparatively Immune from
excessive fire loss for an extended period
of time, the confragratlon loss that great
leveler In Insurance experience must al
ways be borne In mind that reckoned on as
a liability liable at any time and any
place to smash good records and make bad
ones worse.
Much has been said and written about
the enormity of the fire waste In this
country, and frequent comments made on
the conspicuous omission of any reference
to the national fire waste during the con
ference of state governors with tho presi
dent -of the United States, when the gniw
eral subject of conserving the natural re
sources of this country was discussed. It
has often been emphasized that property"
destroyed by fire Is an- absolute loss to
the Individual, and a destruction of wealth
In our national resources.
The proposition whieli Is ungreatly con
fronting the fire Insurance companies to
day Is a business one, hi cause for the last
ten years they have transacted business
at a loss at 4.66 per cent, as Mr. Kelsey
figures it.
In an article on the "Annual Fire Waste,"
Mr. Henry J. Furber, Jr., attorney of the
Chicago Board of Fire Underwriters, says:
. "The combined population of France,
Italy, Switzerland and Denmark In 190O
(the yar of our lust census) was some
thing more than 76.000,000, or about thut of
the United Stutes. The average annu il firs
loss of these four countries, for periods
running between 1900 and 19i4, was a little
less than $17,500,000, as compared with an
annual fire loss In the United States, from
1900 to 1906, of over $173,0l,000, or nearly
ten tllnes greater.
If Great Britain and Continental Eutope
can reduce their fire waste and flro tux,
this county certainly can if it stirts out
to do it.
Tho accomplishment of this end would
also bring with It a saving on the actual
cost of the present fire Insurance tax,
which would be so enormous in amount
as to Insure the success of any enterprise
which had such a reward for its consum
THE MIDWEST LIFE
OFFICERS and DIRECTORS pH) UP CAPITAL OFFICERS and DIRECTORS
Mr. C. II. Anderson. . .Crete, Neb.
lres. Cuubervativc Investment Co.
Mr. J. K. Iluum Oniului, Xeb.
Tres. The llennett Co.
.Mr. A. V. nuffum.Tecumseli, Xeb.
Tres. Tecuinseli Xat. llunk.
Mr. S. II. Huriiliani. .Lincoln, Xeb.
I'res. Mrst Xat. llank
Dr. U. It. Davis. . . . Oinulia, Xeb.
Kurgeon.
Ylce-Pres. TheMidwest Life
Mr. C. It- Eaisterday. Lincoln, Xeb.
Actuary.
Dr. M. H. Everett. .Lincoln, Xeb.
Surgeon.
Medical Director.
Mr. E. V. Folsom. . .Lincoln, Xeb.
tioc'y Folsom Hrott. Co.
Mr. II. K. Freeman . . Lincoln, Xeb.
Cafebier First Xat. Dank.
Treasurer,
Judge Lincoln Froot, Linroln, Xeb.
'District JudKC
Mr. F. M. Hall Lincoln, Xeb.
Attorney
Mr. Paul II. Holm . . Lincoln, Xeb.
Heal Estate and Investment
Hroker
$I20,000j
INSURANCE IN FOUCE
The Midwest Life
SELLS
LIFE INSURANCE
Writ for an Agency.
HOME OFFICE:
1007 "0" St., Lincoln, Nebraska.
N. L SNELL, President
Prof. G. E. Howard, Lincoln, Xeb.
Prof, Political Science and So
ciology, Stute lulverslty.
llev. H. 3. Klrchsteln. Omaha, Xeb.
Pastor Xortli Side Christian
Church
Mr. J. W. McDonald. Lincoln, Keb.
I'res. Lincoln Tructlon Co.
Mr. J. H. Morkctt, Jr. Lincoln, Xeb.
Sunt. Ageuts,
Mr. A. J. Sawyer. . . .Lincoln, Xeb.
Attorney.
Sec'y The Midwest Life.
Mr. i. C. Seacrest. . .Lincoln, Xeb.
liuslness Mgr laily Stute Journal.
Mr. X. Z. Snell Lincoln, Xeb.
Pres. Tho Midwest Life.
Mr. J. T. Trenery. .St. Joseph, Mo,
Vlce-Ire. First Xat. Dank.
Mr. M. J. U'auKh Lincoln, Xeb.
Pres. Lincoln Paint and Color Co.
Mr. J. V. Vflplon..KlalI, Xeb.
Cashier Echuiii;e Dank
Mr. E. C. WlKKcnhoru,
Ashland, Xeb.'
Cashier Farmer and Merchant
, Dank.
Mr. Mark W. Woods. Lincoln, Xeb.
Woods Investment Co.