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FED ER A L R E S E R V E BANK OF NEW YORK Fiscal Agent of the United States No. 3 210~ I [Circular May 1, 1947 J UNITED STATES SAVINGS BONDS Distribution of Supplies and Material for Use in Connection with the Bond-A-Month Plan To Member Banks, and Nonmember State Banks and Trust Companies, in the Second Federal Eeserve District: The Secretary of the Treasury, in his letter dated March 17, 1947, which was sent to all banks and trust companies in the country, announced the Bond-A-Month Plan for the sale of United States Savings Bonds through such banks and trust companies, and solicited their cooperation in promoting and operating the plan. As you know, the plan contemplates that each checking-account depositor taking advantage of the plan will authorize his bank to make a stated deduction from his account each month for the purchase of one or more Savings Bonds. To facilitate operations under the plan, certain supplies and materials will be furnished to each bank and trust company. The State Director of the United States Savings Bonds Division will send you, on request, a supply of descriptive folders to be enclosed with statements mailed to your checking-account depositors at the end of May or during June. A postage-paid authorization card attached to the folder may be detached and executed by the depositor and returned to you by mail as your authority to charge his account for the purchase of bonds under the plan. This folder, with the authorization card attached, is designed primarily for solicita tion by mail; and it is assumed that you will wish to obtain from the State Director a quantity sufficient to solicit each of your checking-account depositors in this manner. The folder will not be available at this bank. Enclosed is another form of authorization card which will be supplied by this bank upon receipt of your order on the enclosed postal card. This form is for use primarily in connec tion with the personal solicitation of depositors at the banking offices. Since it is assumed that the initial solicitation of your depositors will be made by you through use of the descriptive folder referred to in the preceding paragraph, the quantity of authorization cards to be sup plied by this bank for office use should not be large. However, should your ultimate require ments be larger than originally anticipated, we would be glad to furnish you with additional supplies. Bonds sold under the Bond-A-Month Plan may be mailed in special penalty envelopes, on the same basis as other Savings Bonds have been mailed. We will continue to furnish issu ing agents with penalty envelopes in quantities consistent with their requirements, in accordance with our established procedure. A l l a n S pr o u l , President. F ed era l R e ser v e B a n k of N e w Y ork Fiscal A^ent of the United States Gentlemen: Kindly send to us ..................................... authorization cards for use in connection with the Bond-A-Month Plan, which were referred to in your Circular No. 3210, dated May 1 , 1947. (Name of Bank) (Number and Street) (City or Town) (Zone) (State) By............................................................. (Authorized Signature) REGISTER AND DELIVER BONDS AS FOLLOWS: A D D R ESS O F O W N E R N AM E O F O W N E R □ □ Mr. Mrs. n Miss (F irst) NAME O F □ □ □ (Number and Street) (Middle) C O O W N E R or □ B E N E F IC IA R Y , if desired Mr. Mrs. f~| Miss (F irst) (City or Town) (Last) (Middle) (Last) M A IL BONDS TO T H IS A D D R ESS- (Zone) (State) BUY AND HOLD U. S. SAVINGS BONDS (Number and Street) OR (City or Town) It is understood and agreed that, if any such bonds should not be duly received at the said address within thirty (30) days from the date when you shall have subscribed for the same hereunder, the undersigned will notify the bank promptly thereof in writing. (Zone) (Signature of Depositor) (Address of Depositor) (State) ( TH IS S ID E O F C A R D IS FO P A D D R E S S ) F e d e r a l R e s e rv e B an k o f N ew Y o r k Federal Reserve P. 0 . Station New York 45, N. Y. Attention: Government Bond Department M A T U R IT Y V A LU E S E R IE S E □ □ □ □ $ 18.75 37.50 75.00 150.00 $ 25.00 50.00 100.00 200.00 AUTHORIZATION CARD FOR BOND-A-MONTH PLAN This will authorize the _________________________ _ _ Bank o f ___________________________________ to buy each month for my account U. S. Savings Bonds in denomina tions and series indicated, commencing the__________day □ S E R IE S f □ □ □ □ $ 18.50 74.00 370.00 740.00 $ 25.00 100.00 500.00 1,000.00 □ S E R IE S G □ □ □ $ 100.00 500.00 $ 1,000.00 100.00 500.00 1,000.00 □ Maturity Value is Face Value of Bond. Interest Paid Every 6 Months by Government Check. Misc. 165— 4-47— 400M II of___________________________ 19_______ . I understand that, without any service charge for such deduction, the purchase price of the bonds will be automatically de ducted from my checking account, and that such deduc tions will be shown on my periodic bank statements. I agree to maintain a sufficient hank balance to cover the bonds specified in this authorization, which is to remain in effect until cancelled by me or the above named bank. Bonds are to he sent to me, as issued, unless other arrangements are agreed upon. Date of application _19_ (Signature of Depositor) SEE O T H E R S ID E F O R R E G IS T R A T I O N Directory OF THE Federal Reserve Bank of New York Second Federal Reserve District (May 1947) OF THE FEDERAL RESERVE BANK OF NEW YORK ★ Head Office, 33 Liberty Street, New York, N. Y. M ailing A ddress F e d e r a l R e s e rv e P. 0 . S ta tio n New Y o r k 45, N. Y . Telephone R E cto r 2-5700 ★ Buffalo Branch, 270-276 Main Street, Buffalo, N. Y. M ailing A ddress B u f f a l o 5, N. Y . Telephone W Ashington 7562 FEDERAL RESERVE BANK OF NEW YORK M a y 1, 1947. To Banks and Trust Companies in the Second Federal Reserve D istrict: W e are sending you herewith a directory of this bank, showing the names and titles of our officers, the functions and departments to which they are presently assigned and the principal operations with which each is concerned. Revised editions of the directory will be issued from time to time, as appropriate. Official changes occurring between issues will be described in our circulars showing changes in authorized signatures. W e hope this directory will be of assistance to bank officers and others having occasion to communicate with the officers of this bank and the departments under their supervision. Additional copies of this directory m a y be obtained upon request. A lla n S pro u l, P resid en t. CONTENTS H EA D O F F IC E Page Functions, Departments and P rincipal Operations, and Officers Assigned Accounting, Planning and S e r v i c e ........................................... 5 A u d i t ..................................................................................................... 6 Bank Supervision and Bank R e la tio n s.................................... 6 Cash and C o lle c tio n s ........................................................................ 7 Foreign ..............................................................................................8 Government Bond and S a f e k e e p i n g .................................... 9 L e g a l .....................................................................................................10 Loans, Credits and R. F . C. C u s t o d y .................................... 10 Open M arket Operations, Treasury Issues, and Margin R e g u la tio n s ...................................................................................... 11 P e r s o n n e l ............................................................................................. 12 Research and S t a t i s t i c a l .................................................................12 S e cre ta ry ’s O f f ic e ............................................................................... 12 D i r e c t o r s ............................................................................................................ 14 Member of Federal Advisory C o u n c i l ...................................................15 Industrial Advisory C o m m itte e.................................................................15 ★ B U F F A L O BR A N C H Officers and their Operating D iv is io n s .................................................. 13 D i r e c t o r s ............................................................................................................15 (Regulations A to W referred to in this directory are the regula tions of the Board of Governors of the Federal Reserve System) Federal Reserve Bank of New York Federal Reserve Bank of N ew York H E A D O F F IC E ★ P R E SID EN T A llan S pro u l FIR S T V ICE P R E SID EN T L e s l ie R. R ounds ★ Function, Department and Principal Operations Officer in Charge Title (a r r a n g e d a lp h a b e tic a lly ) ACCOUNTING, PLA N N IN G AND S E R V I C E . . A c c o u n t in g D e p a r t m .H e r b e r t H . K im b a l l e n t ..................................... .............. Vice P resident S p e n c e r S . M a r s h , J r . . M anager Accounts, deposits in, except foreign accounts Adjustm ents affecting accounts Deposits, except foreign accounts Member bank reserve accounts Nonmember bank clearing accounts Regulation D— Reserves of member banks Remittances for cash letters Reserve accounts of member banks Reserve requirements of member banks T reasu rer’s account, United States W ithheld taxes P l a n n in g D e p a r t m e n t ........................................... Planning Purchase of supplies S e r v ic e D e p a r t m e n t ................................................ Post office, Federal Reserve P . 0 . Station Protection, fire and safety Telephone service J a m e s J . C a r r o l l . . . . M anager H a r o l d M. W e s s e l . . . M anager O t t o W . T e n E y g k ............ Assistant V ice P resident Function, Department and Principal Operations Officer in Charge Title (arran g ed , a lp h a b e t ic a lly ) A U D I T ......................................................................................... W i l l i a m H . D i l l i s t i n ............. G eneral A ud itor D o n a l d J . C a m e r o n ..........Assistant G eneral A uditor A u d it in g D e p a r t m e n t Audits and examinations of asset, liability, and custody accounts Inform ation reflected on the bank’s records furnished to bank examiners and others Reconciliation of accounts of member banks and others B A N K S U P E R V IS IO N AND B A N K R E L A T IO N S ................................................................. R e g i n a l d B . W i l t s e .................. V ice P resident B a n k E x a m in a t io n s D e p a r t m e n t ................. Branches, applications for Condition reports, State member banks E arn in gs and dividends reports, State member banks Exam ination affiliates of State member banks and Holding company affiliates— voting permits Regulations, adm inistration of C A cceptance by member banks of d rafts or bills of exchange F T rust powers of national banks H Membership of State banking institu tions in the F ederal Reserve System I Increase or decrease of capital stock of F ed eral Reserve Banks and cancela tion of old and issue of new stock certificates K Banking corporations authorized to do foreign banking business under the term s of section 2 5 (a ) of the Fed eral Reserve A ct L Interlocking bank directorates under the Clayton A ct M F oreign branches of national banks and of corporations organized under the provisions of section 2 5 (a ) of the F ed eral Reserve A ct 0 Loans to executive officers of member banks P H olding company affiliates— voting per mits Q Paym ent of interest on deposits R Relationships with dealers in securities under section 32 of the Banking A ct of 1933 W i l l i a m F . S h e e h a n . . . . C h ief E x a m in e r 7 Function, D epartm ent and P rin cipal O perations Officer in Charge Title (a rra n ged alphabetically) B a n k R e l a t io n s D e p a r t m e n t ............................. F r a n k l i n E . P e t e r s o n . M anager Applications for membership in F ederal Re serve System Bank and public relations activities Check routing' symbol, inform ation concerning F a rm credit file, information concerning New bank ch arter investigations Visitors at Federal Reserve Bank Visits to district banks C A SH AND C O L L E C T IO N S ......................................... V a l e n t i n e W i l l i s .....................Vice P resident H a r o l d A. B i l b y .................Assistant V ice P resident F e l i x T. D a v i s ......................... Assistant Vice President C a sh D e p a r t m e n t ............................................................. D u d l e y H . B a r r o w s . .M a n a ger R o y E . W e n d e l l ........... M anager Checks (both Government checks and checks on this bank in large am ounts), acceptance over the counter for immediate credit Coin, receipt, verification, counter payments of shipment, and C urrency, receipt, verification, shipment and counter payments of C a sh C u s t o d y D e p a r t m e n t ................................... P a u l R . F i t c h e n . . . .M a n a g er Coin, custody of reserve supplies of Currency, custody of reserve supplies of Currency, reports of unusual transactions on T reasury D epartm ent F o rm TC R -1, han dling of C h eck Depa r t m e n t .......................................................... Checks and other cash items (except Govern ment checks), collection of City clearings arrangem ents of banks out side New Y ork City, settlements of bal ances due to or from participants in County clearings arrangem ents, exchanges between participants in D irect routing of by member and 11011member clearing banks M anhattan, B ron x, and Brooklyn collec tion arrangem ent Regulation J — Check clearing and collection R eturn items R a l p h W . S c h e f f e r . .M a n a g er Officer in Charge Function, Department and Principal Operations T itle (a r r a n g e d a lp h a b e tic a lly ) C o l l e c t io n D e p a r t m en t ..................................... G e o r g e J . D o l l .............. A ctin g M anager Government coupons, paym ent of Notes, drafts, corporate bonds and coupons, and other noncash items, collection of City clearings arrangem ents of banks out side New Y ork City, settlements of bal ances due to or from participants in Regulation G— Collection of noncash items Transfers of funds G o v e r n m e n t C h e c k D e p a r t m e n t ................. M i c h a e l J . M c L a u g h l i n . M anager Government checks, paym ent or collection of Ration checks, clearance of ............................................................................... L . W e r n e r K n o k e .....................Vice President F O R E IG N F o r e ig n De p a r t m e n t .................................................... H o r a c e L . S a n f o r d ........... ¿Assistant V ice P resident P e t e r P . L a n g .................M anager W a l t e r H . R o z e l l , J r . M anager E xp ort-Im p ort Bank, information regarding specific credits F ederal Reserve System accounts maintained abroad, operation of Foreign central bank and government dollar and custody accounts, operation of Foreign exchange Rates, certification of, under Tariff A ct of 1930 Reports filed by banks, securities brokers and dealers, and others under Executive O rder No. 6560 Transactions F iscal agency Foreign depositors and out-of-town mem ber banks, on behalf of International Bank for Reconstruction Development accounts, operation of and International M onetary F u n d accounts, opera tion of Silver Purchase A ct, purchases thereunder United States Stabilization Fun d , operations of, as fiscal agent F o r e ig n F unds C on trol De p a r t m e n t . Applications for licenses under Foreign Funds Control F oreign F un d s Control, administration of Public relations Control concerning Foreign Funds N o r m a n P . D a v i s .................Assistant V ice P resident Function, D epartm ent and P rin cipal Operations Officer in Charge T itle ( arranged alphabetically) G O V ER N M EN T BOND AND S A F E K E E P I N G . . A r t h u r P h e l a n . . . Jo h n G o v e r n m e n t B ond D e p a r t m e n t II. W u r t s V ice P resident Assistant Vice P resident M a r c u s A . H a r r i s . . . . M anager United States Savings Bonds Accounts of issuing agents Consignment of Series E bond stock Lost, stolen, m utilated or destroyed bonds Reissues and corrections Sales of bonds of Series E , F and G United States T rea su ry Bills, Certificates of Indebtedness, Notes and Bonds Cash and exchange subscriptions Denominational exchange E xchange of bearer for registered bonds E xchange of registered for bearer bonds Exchange subscriptions; and delivery and paym ent of allotments on cash subscrip tions Lost, stolen, mutilated or destroyed securities Paym ent or redemption Receipt of bills, certificates of indebtedness and notes for tran sfer from New Y ork by wire T ransfer of registered bonds Various S ecurities of the P hilippine Govern m ent, the P uerto Rican G overnm ent and A gencies of the United States Governm ent Certain transactions in connection with issu ance, exchange and redemption W ar Loan Deposit A ccounts Record of accounts Record of collateral S a v in g s B o n d R e d e m p t i o n D e p a r t m e n t W e s l e y W . B u r t . . . . M anager Accounts of paying agents Arm ed F orces Leave Bonds, redemption of Savings Bonds, redemption of Sa f e k e e p in g D e p a r t m e n t .................................. H a r r y M . B o y d ............ M anager Delivery of securities, including Treasury bills, certificates of indebtedness and notes tran s ferred to New Y ork by wire Receipt of securities for safekeeping accounts or for re-delivery Safekeeping accounts for member banks Safekeeping accounts for owners of Savings Bonds Se c u r it y C u sto d y D e p a r t m e n t ....................... (See Safekeeping D epartm ent) W i l l i a m F . A b r a h a m s . M anager Function, D epartm ent and P rin cipal Operations Officer in Charge Title ( arranged alphabetically) LEG A L W a l t e r S. L o g a n T od d G. T ie b o u t Assistant G eneral Counsel R u f u s J . T r im b l e Assistant G eneral Counsel J ohn J . C la r k e LO A N S, C R E D IT S AND R, F . C. C U S T O D Y .. . . J . W i l s o n J o n e s C u rtis R. B ow m an C r e d it D e p a r t m e n t Vice P resident and General Counsel Assistant Counsel Vice P resident M anager Applications for T and V-loan guarantees Consumer credit Credit and financial information Discounts for and advances to member banks E xp o rt-Im p o rt Bank, general information F a rm credit file forms Fin an cial statem ent forms Loans, industrial, processing applications for Regulations : A Discounts banks S Industrial V F in an cin g con tract W Consumer for and advances to member loans of w ar production and war termination credit D is c o u n t D e p a r t m en t ........................................... C u r t i s R. B o w m a n ................. M anager Eligible paper Industrial loan balances and collateral Loans, processing applications for Servicing of certain guaranteed loans T-loan and V-loan balances R . F . C. C u s t o d y D e p a r t m e n t .......................... Disbursements for Reconstruction Finance Corporation and Commodity C redit C orpora tion by checks on U. S. Treasurer D rafts paid, Commodity Credit Corporation Loans by R econstruction Fin an ce Corporation and certain subsidiaries, servicing of Receipts and paym ents for Commodity Credit Corporation Rubber Development Corporation U. S. Commercial Corporation R econstruction Finance Corporation Office of Defense Supplies, Metals Reserve, and Rubber Reserve C h a r l e s N. V a n I I o u t e n . . M anager Function, D epartm ent and P rin cipal Operations Officer in Charge T itle ( arran ged, a lp h a b e t ic a lly ) O P E N M A R K E T O P E R A T IO N S , T R E A S U R Y IS S U E S , AND M ARG IN R E G U L A T IO N S . . R o b e r t G. R o u s e L S e c u r it ie s D e p a r t m e n t o r en B . A llen S il a s A . M il l e r V ice P resident Assistant V ice P resident Assistagli V ice P resident Acceptance by member banks of d rafts or bills of exchange, inquiries regarding B an k ers’ acceptances, open m arket purchases and sales of Bills of exchange, trade acceptances and bankers’ acceptances, open market purchases of Capital stock of F ederal Reserve Bank, regis tration, issuance and cancelation of Dividends on F ederal Reserve Bank stock F ederal Open Market Committee, regulation relating to open m arket operations of Federal Reserve Banks Government issues, tenders to new cash subscriptions and Government securities, open market purchases and sales of Open market operations in U. S. Government securities Regulations : B Open market purchases of bills of exchange, trade acceptances and bankers’ acceptances under section 14 of the F ederal Reserve A ct C Acceptance by member banks of drafts or bills of exchange E Purchase of W arran ts T reasury issues, cash offerings of W arran ts, purchase of Se c u r it y L oans D e p a r t m e n t ............................ M argin regulations, adm inistration of Regulations : T Extension and maintenance of credit by brokers, dealers, and members of n a tional securities exchanges U Loans by banks for the purpose of p u r chasing or carryin g stocks registered on a national securities exchange N o r m a n P . D a v i s ...............Assistant V ice P resident Function, Department and Principal Operations Officer in Charge Title ( a r r a n g e d a lp h a b e tic a lly ) PERSO N N EL ........................................................................ E d w a r d 0 . D o u g l a s .................. V ice P resident W i l l i a m F . T r e i b e r ..........Assistant Vice P resident P erso n n el Depa r t m e n t ........................................ W illia m A. H e i n l . . . M anager Personnel, hiring and assignment of Personnel records Program s, adm inistration of employee health, education and training R E S E A R C H AND S T A T IS T IC A L .............................H a ro ld V. R o e l s e ....................... V ice P resid en t R esearch D e p a r t m en t .......................................... 0 . E r n e s t M o o r e . . . . M anager Fin an cial statistics Reference library Research, domestic and foreign S E C R E T A R Y ’S O F F I C E ................................................ W i l l i a m F . T r e i b e r ..........S ecreta ry J o h n J . C l a r k e ............ Assistant S ecreta ry Circulars and Federal Reserve publications (Inquiries should be addressed to Press and Circulars Division.) 13 Buffalo Branch OFFICERS I n s l e y B . S m i t h , General M anager H a ls e y W . S n o w , Cashier G e o r g e J . D o l l , Assistant Cashier M . M o n r o e M y e r s , Assistant Cashier ★ Operating Divisions Officer in Charge Accounting, Office Service, Securities, Savings Bond R e d e m p t i o n ............................. H a l s e y W . S n o w Bank R e l a t i o n s ..........................................................M . M o n r o e M y e r s Cash, Check, Collection, Credit and Discount, R. F . C. C u s t o d y ............................. G e o r g e J . D o l l Federal Reserve Bank of N ew York D IR EC TO R S (V a ca n cy ) Chairman W i l l ia m I . M y e r s , Dean, New York State College of Agriculture, Cornell University, Ithaca, N. Y. Deputy Chairman Ch a r l e s E . A d a m s, R o b e r t D . Ca l k i n s , Chairman, Air Reduction Company, Inc., New York, N. Y . _ . Associate Director, General Education Board, New York, N. Y. W in t h r o p W . A l d r ic h , C h airm an o f th e B o a r d , C a r l e C. C o n w a y , The Chase National Bank of the City of New York, New York, N. Y . „ L e w is H . B ro w n , C h airm an o f th e B o a r d , Chairman of the Board, Continental Can Company, Inc., New York, N. Y. H a r r y H . P ond , Johns-Manville Corporation, New York, N. Y . Chairman of the Board, The Plainfield Trust Company, Plainfield, N. J . H oward A . W il s o n , President, Citizens National Bank and Trust Company of Fulton, Fulton, N. Y. O FF IC E R S A l l a n S p r o u l, President L e s l i e R . R o u n d s , First Vice President J o h n H . W i l l i a m s , Economic Adviser E d w a r d O. D o u g l a s , Vice President J . W i l s o n J o n e s , Vice President H e r b e r t I I . K i m b a l l , Vice President L . W e r n e r K n o k e , Vice President W a l t e r S. L o g a n , Vice President and General Counsel A r t h u r P h e l a n , Vice President H a r o l d V . R o e l s e , Vice President R o b e r t G. R o u s e , Vice President V a l e n t i n e W i l l i s , Vice President R e g in a ld B . W i l t s e , Vice President Todd G. T ie b o u t, Assistant General Counsel R u f u s J . T r i m b le , Assistant General Counsel L o r e n B . A l l e n , Assistant Vice President H a r o l d A . B i l b y , Assistant Vice President F e l i x T . D a v is , Assistant Vice President N o r m a n P . D a v is , Assistant Vice President S i l a s A . M i l l e r , Assistant Vice President H o r a c e L . S a n f o r d , Assistant Vice President W i l l i a m F . S h e e h a n , Chief Exam iner O t t o W . T e n E y c k , Assistant Vice President W i l l i a m F . T r e i b e r , Assistant Vice President, and Secretary J o h n H . W u r t s , Assistant Vice President W i l l i a m F . A b r a h a m s , Manager, Security Custody M a r c u s A . H a r r i s , Manager, Government Bond Department W i l l i a m A . H e i n l , M anager, Personnel Department P e t e r P . L a n g , Manager, Fo reign Department S p e n c e r S. M a r s h , J r . , Manager, Accounting Department M i c h a e l J . M c L a u g h l i n , Manager, Government Check Department D u d le y H . B a r r o a v s , Manager, Cash Department C u r t i s R. B o w m a n , M anager, Credit Department, and M anager, Discount Department H a r r y M. B o y d , M anager, Safekeeping Department W e s l e y W . B u r t , Manager, Savings Bond Redemption Department J a m e s J . C a r r o l l , M anager, Planning Department J o h n J . C l a r k e , Assistant Counsel, and Assistant Secretary G e o rg e J . D o l l , Acting M anager, Collection Department P a u l R. F i t c h e n , Manager, Cash Custody Department Department O. E r n e s t M o o re , M anager, Research Department F r a n k l i n E . P e t e r s o n , Manager, Bank Relations Department W a l t e r H . R o z e l l , J r . , Manager, Foreign Department R a l p h W . S c h e f f e r , M anager, Check Department C h a r l e s N . V a n H o u t e n , M anager, R .F.C. Custody Department R o y E . W e n d e l l , Manager, Cash Department H a r o l d M . W e s s e l , Manager, Planning Department W i l l i a m H . D i l l i s t i n , General Auditor D o n a ld J . C a m e r o n , Assistant General Auditor Federal Reserve Bank of N ew York M E M B E R OF F E D E R A L A D V ISO RY COUNCIL W . R a n d o lp h B u r g e s s , Vice Chairman, The National City Bank of New York, New York, N. Y. IN D U ST R IA L A D V ISO RY CO M M ITTEE W i l l i a m H . P o u c h , Chairman President, Concrete Steel Company, New York, N. Y . A r t h u r G. N e l s o n , Vice Chairman E d w a r d J . N o b le , President, A. G. Nelson Paper Company, Inc., New York, N. Y. Chairman of the Board, American Broadcasting Company, Inc., New York, N. Y . Buffalo Branch of Federal Reserve Bank of N ew York DIRECTORS M a r io n B . F o l s o m , Chairman Treasurer, Eastman Kodak Company, Rochester, N. Y. C h a r l e s H . N orton , C h a r l e s H . D ie f e n d o r f , President, The Marine Trust Company of Buffalo, Buffalo, N. Y . R a ym o n d F . L e i n e n , President, Erie County Trust Company, E ast Aurora, N. Y . T h o m a s R o b in s , J r ., Executive Vice President, Lincoln Rochester Trust Company, Rochester, N. Y. President, Hewitt-Robins, Incorporated, Buffalo, N. Y . C a r l G. W o o s t e r , C. G eorge N i e b a n k , Farmer, Union Hill, N. Y. President, Bank of Jamestown, Jamestown, N. Y. OFFICERS I n s l e y B . S m it h , General M anager H a l s e y W . S n o w , Cashier G e o rg e J . D o l l , Assistant Cashier M . M o n ro e M y e r s , Assistant Cashier
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