Full text of Rand McNally Bankers Directory : July 1880

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UNITED

STATES

CANADA

The University of Cbicago
Libraries

HERS ,

Cres Vita
CatSci EXCO
entia latur

RK .

rs, Corporations, Mercantil .

This house is co

EPOSITS ,

INT :

d , monthly .
CRUDE OR REFINED,
THEREON .

CONSIGNM

ECURITIES, promptly exocutod.

Orders for thof

d.
ALSO, ON SCOTLAND ,

BILLS OF

Letters of Credit for Travelers , available in all parts of the World.
CABLE TRANSFERS OF MONEY BETWEEN NEW YORK
AND LONDON .

DETROIT

SAFE

COMPANY
MANUFACTURERS OF
Fire and Burglar- Proof

SAFES

olio

DETROIT
SATE
CO.

Vault Doors and Vanlts,

con Doors and Shutters
,

JAIL WORK , ETC.

AGENTS FOR ALL SARGENT'S LOCKS
And Sargent's and Yale's Time Locks.

WESTERN EN 60 , DETROIT .
DIRECTORS.
JNO. J. BAGLEY ,President.
A. S WILEY, Vice-President.
A. W. RICE , Sec'y and Treas.
D. O. PAIGE, Superintendent.
PETER OLFS.
S. R. MUMFORD.

Office and

Factory, Fort Street East,

Between Beaubien an
DETROIT

ORNAMENTAL

Wire
Railings
FOR

O
GATES
17
NO
No.
8.,
Heavy
Wire
Bank
Counter
Railing

XXX

No.
16

IRON AND WIRE WORKS
27, 29 and 31 Woodward Avenue,
DETROIT, MICH.

NO.
16

es & Stores
Ofic
Bankin
g
I make a specialty of this kind of
work, and have many new styles,
designed especially for large Bank
ingOffices,which are unsurpassed
for beauty and strength .
I have recently made Railings for
the following Banking Houses, and
others, to whom I refer as to quality
of my work and the satisfaction it
gives
: . - First Nat'l B'k , People's Sav,
MICHIGAN
B'k,Merchants'
Wayne Co.& Sav.
B’k , Custom House
& P
Manufacturers'
0.,
B’k, Detroit
News Co., Vail & Crane, Detroit ; First Nat'l
B'k, Bay City ; First Nat'l B’k , Eaton Rapids;
The Sanitarium , Battle Creek ; Cent. Mich.
Sav. B’k,. Lansing ; Morley Brothers, East
Saginaw
MINNESOTA.- First Nat'l B’k. Fergus Falls;
Citizens' Nat'l B'k , Faribault ; First
Nat'l B’k ,
Hastings ; Chas. G Collins & Co., Minneapolis.
NEBRASKA. - J. H. Mickey ,Osceola ; Sidney
B’k, Sidney ; First Nat'l Bk, Marsh Bros.,
Mosher & Co., Lincoln ; Hamilton Co. B '" ,
Aurora ; G. D. Noble, Fairmount; First Nat'l
B'k, Beatrice .
ONTARIO, Canada . - Wright, Durand & Son ,
London ; B'k of Montreal, Brantford ; Fawcett,
Livingston & Co., Dresden ; Ridgetown B’k,
Ridgetown.
OHIO . - First Nat'l B’k, Coshocton ; Piqua
Nat'l B’k, Piqua ; Harrisoá Nat'l B’k , Cadiz ;
Aston & Haff, E.B Armstrong & Co. , Columbus.
ILLINOIS , -Mechanics' Nat'l B’k,Peoria ; E
E. Rogers & Son, Pt. Byron; B’k of Cadby,
Canby; Morrison & Kenay , Griggsville ; Stew
art &Montgomery, Fred. Haas, Rock Island ;
E. Bonham & Co., Fairfield .
Iowa State Nat'l B'k, Hambden, Buell &
Co., K-okuk
C. Dessaint & Sons, T. W.
McClelland & ;L.
Co., Davenport ;Osage Nat'l B’k,
Osage ; Washington Co. Sav. B’k, Washington ;
Davis Co. L. & T. Co. , Bloomfield ; Frank
Kupper, Burliogton ; George Haw ' & Co. ,
Ottumwa; Ferguson & Chambers, Glidden ;
George Horridge & Co., Vinton ; John Clark,
Davis City ; S. H. Herrick & Co. , Grinnell.
KANSAS. - George D. Hale, State Treasurer's
Office, Topeka ; Sabetha State Bank, Sabetba ;
Clark & McWhirk, McPherson
; W. D. Butler
& Co., Peabody ; J. T. Warne, Lawrence ;
Winfield B'k , Winfield .
INDIANA.- National Branch B'k, Madison ;
Vajen & New, Indianapolis; Farnam &
Pearce, Vincennes; Armstron : & Co., Tipton ;
Wainwright & Hall, Noblesville.
MISSOURI.-- Calloway Co. Sav. B’k, Fulton ;
J. F. Richards & Co. , Kansas City .
ALABAMA. -Mobile Sav. B'k, Mobile.
Texas.-B. R. Davis & Co., Galveston ; E.
H. Britain , Clarksville ; Miller Bros. , Belton.
COLORADO . - B . W. Woodbury , E. L. Kel
logg, Denver ; F. E. Everett, Golden .
DAKOTA . - Chas. Sweatt & Co., J. G. Mad
land,
Fargo ; First Nat'l B’k, Yankton.
NEVADA
. - R :00 Sav . B’k, Reno ; P. A.
Largey, Virginia City.
MONTANA. - First Na''I B’k, Helena.
GEORGIA . - Singer M'f'g Co., Merchants' &
Mechanics' B'k, Columbus.
WISCONSIN . - B'k of Watertown,Watertown .
MISSISSIPPI.- People's B'k , Meridian ,
FLORIDA. - D . G. Ambler, Jacksonville.
PENNSYLVANIA . - Leonard Bros., Scranton.
Send for Illustrated Catalogue of
different Patterns of Office Railings,
Roof Cresting, Vases, Fountains,
Wire Landscape Screens, lettered
for Bank Windows, Iron Bedsteads,
Weather Vanes , Wire Signs ; also
Wire and Iron Work of every de
scription .
Wrought Iron Fences for pri
vate Residences, Parks and
Cemeteries a Specialty .
Manufactured by
E. T. BARNUM'S

ADVERTISING DEPARTMENT.

HAY

PRENTICE ,

(Successors to Steam Warming Department of
Crane Bros. Manfg . Co., )
CONTRACTORS FOR IMPROVED

Steam Warming : Ventilating Apparatus
AND DEALERS IN
WROUGHT IRON PIPE AND FITTINGS, BRASS GOODS , ETC.
Sole Manufacturers for Western States of
B
WSTE

EINE

SOURDONA

DUNNINGS

Patent Self - Feeding
MAGAZINE

BOILER ,

FOR WARMING BANKS , OFFICES,
Private Residences , etc., by Steam .
For ease of management, steadiness of heat in buildings, and entire reliability
at all times, it has no superior.
CONTINUOUS HEAT DURING THE NIGHT AND DAY.
Weare prepared to furnish them to the trade, or to any who are now using an inferior Boiler, and in connec
tion with contracts for Steam Heating Apparatus. Send for Circulars and References.

37 and 39 S. Canal and 26 W. Washington St. , Chicago.
SAM'L I. POPE .

CHAS . H. PATTEN .

SAM'L

POPE

CO .

DEALERS IN

STEAM

HEATING
-AND

VENTILATING
Boilers ,
193

Wrought
LAKE

APPARATUS,

Iron

Pipe , and

STREET,

Fittings,

CHICAGO .

SUPPLIES
FOR ENGINEERS ,
PUMP AND WELL DEALERS.

HAXTUNS
BASE BURNING BOILER ,
Requires filling but once in twenty -four hours. Keeps a house warm all night.

CHAPMAN'S DEEP WELL VALVES, PUMPS AND WIND MILLS.
Plans and Specifications for steam work furnished .
Special attention paid to heating public buildings generally, returning the water directly
back to boilers.

ADVERTISING DEPARTMENT.

RUTTAN

MANUFACTURING

COMPANY
,

MANUFACTURERS OF

HEATING

AND

VENTILATING

APPARATUS

FURNACES ,

SCHOOL -ROOM HEATERS ,

REGISTERS ,

ETC., ETC.,

Lake

Street ,

Chicago ..

RUTTAN .
SHERUTTANTUBULARFURNAGE

MARK
TRADE
Ruf

ian

Sys

tem

VENTILATION We manufacture eight sizes masonry furnaces, six sizes portable furnaces, three sizes
school -room ventilating heaters, and contract for the heating and ventilation of all kinds of
buildings. Especial attention given to the warming and ventilating of school buildings,
halls and churches. Liberal allowance made for old furnaces if parties wish to exchange.
Attention of school directors is called to the necessity of contracting early for work to be
done during vacations.
There are Over 2,000 of our Furnaces in Use in the Finest and Best Buildings in the West.
ALL WORK GUARANTEED . CORRESPONDENCE SOLICITED. LARGE ILLUSTRATED
CIRCULAR , A BOOK OF SIXTY PAGES, FURNISHED ON APPLICATION.
Smead's School-Room Heater is made for special use in rooms where the heater or
furnace must stand in the rooms to be warmed . It has a handsome cast iron case, an open
grate, and weighs a thousand pounds. Those who use it are enthusiastic in its praise . Send
for circular.
“ This firm undoubtedly make the best Heating and Ventilating Apparatus now offered to the trade."
- Chicago
Times,
Oct.
1878 . University at Oshkosh , Wis., in a recent letter says : " The Ruttan Furnaces are
President
Albee,
of16,
Normal
the best of four different kinds that I have used during the past ten years. They are side by side with
" others ;
the heat is more steady, the air of better quality, and they consume less fuel than any I have ever seen.
“ A recent analysis of the air in some of the school-rooms of New York city yielded twenty parts of
carbonic acid gas to 10,000, while the air in the prisons contained but fourteen parts. The ventilation of New
York school-houses is notoriously bad, and there are many school-rooms much nearer home where it is little, if
any, better. The Ruttan method of ventilation is the only natural method , and nothing but stupidity, downright
obstinacy or corruption can account for the failure to introduce it in every new school.house." - Chicago
Evening Journal, March 22, 1879.

ADVERTISING DEPARTMENT .

ESTABLISHED 1840 .

ESTABLISHED 1840.

HOPKINS '
KS

E
IR

R
WO

90 WEST BROADWAY , AND 20 HARRISON ST. ,
NEW YORK.
De
MANUFACTURER OF EVERY VARIETY OF

USEFUL AND ORNAMENTAL

Iron and Wire Work

-FOR
BANKS, OFFICES, COUNTER RAILINGS,
GATES, WINDOW GUARDS, Etc., Etc.

Tine Wire Cloth Window

Screens
3

Properly Lettered for Banks, Etc.
Brass, Copper and Iron Wire Cloth .

Estimates Cheerfully Given .

As the great number of various designs
that I manufacture in railings, etc. , precludes
a proper display in so small a space, I would

,90
BROADWAY
WEST
-AND
.HARR
,20
ST ISON
. WK
YOR
NE

I think it can be justly said that for the best
of everything the " NEW YORK STEAM WIRE
WORKS " stands at the head of the trade.

YORK
NEW
STEAM
WORK
ES
WIR

fitting up Banks, Offices, etc., with wire work ,

W. KINS
HOP

Having manufactured for the past 40 years
every article pertaining to the wire line, and
for 25 years given my special attention to

ask that before giving out an order you will

send for our
Illustrated Catalogue and Price Lists,
With complete directions for measuring , and
if the latter are strictly conformed to, I
guarantee that entire satisfaction will result
in every case .
A. W. HOPKINS ,
90 West Broadway , New York .
PLEASE SEND FOR CATALOGUE AND PRICE LIST.

ADVERTISING DEPARTMENT.

THE

BEST

ALL

MOORE'S

COMBINATION

CABINETS.

12/0
lol

WLPLS.
THE COUNTING HOUSE KING,

By an

INGENIOUS ARRANGEMENT of the COMBINED FACILITIES, so ESSENTIAL

in a COMPLETE BUSINESS DESK, we have been ENABLED TO DESIGN and CONSTRUCT
a LINE of OFFICE DESKS of VARIED PATTERNS, GRADES and SIZES, both SINGLE
and DOUBLE, that SUCCESSFULLY MEET
FESSIONAL MAN.

the WANTS of EVERY BUSINESS AND

PRO

The accompanying illustrations represent two of our LEADING STYLES, viz :
THE KING AND QUEEN ; the FORMER DOUBLE, the LATTER SINGLE.

CCCC

They are LARGELY PATRONIZED and
UNIVERSALLY APPROVED.

Address for further information,
The MOORE COMBINATION DESK COMPANY,
Indianapolis, Ind. , U. S. A.
OR

AMERICAN STORE STOOL COMPANY,
New York and Chicago.

TOD/
0

G. V. HALLIDAY & CO . ,
St. Louis and New Orleans,

GENERAL AGENTS.
THE OFFICE QUEEN .

ADVERTISING DEPARTMENT.

THE

BEST

ALL

MOORE'S

COMBINATION

CABINETS .

KOLER WWPLS.

THE COUNTING HOUSE KING ,
By an INGENIOUS ARRANGEMENT of the COMBINED FACILITIES, so ESSENTIAL
in a COMPLETE BUSINESS DESK, we have been ENABLED TO DESIGN and CONSTRUCT
a LINE of OFFICE DESKS of VARIED

PATTERNS, GRADES and sizes, both SINGLE

and DOUBLE, that SUCCESSFULLY MEET
FESSIONAL MAN.

the WANTS of EVERY BUSINESS AND PRO

The accompanying illustrations represent two of our

LEADING

STYLES, viz :

THE KING AND QUEEN ; the FORMER DOUBLE, the LATTER SINGLE.

They are LARGELY PATRONIZED and
UNIVERSALLY APPROVED.
Address for further information ,
The MOORE COMBINATION DESK COMPANY,
Indianapolis, Ind. , U. S. A.
OR
AMERICAN STORE STOOL COMPANY,
New York and Chicago.

RCMS

THE OFFICE QUEEN .

G. V. HALLIDAY & CO.,
St. Louis and New Orleans,
GENERAL AGENTS .

‫ורנון‬

TIT
CILI

ADVERTISING DEPARTMENT.

)
100

Sesilo
Wittenberg
Solber

T
CUDLHE
-SAY OW
LOR
WIR
CE
O.

UNTER
OFFICE
LINGS
AND,

Window
Guards
Door
Iron
and
for
Banks
Insurance
Offices
etc.,,
LUDLOW
SAYLOR
WIRE
CO
.-,
Write
for
Catalogue
and.
Price
List

Market
Street
Louis
219
Mo.
221
St.
&,

ADVERTISING DEPARTMENT .

Wilstach ,

NOS . 141

Baldwin

143

RACE

Co. ,

ST . , CINCINNATI ,

MANUFACTURERS OF

ACCOUNT

BOOKS

OF EVERY DESCRIPTION FOR THE USE OF

Banks

and

PRINTERS

Bankers.

Checks , Drafts , Notes , Deposit Tickets ,
Note Notices , Letter and Note Heads ,
AND ALL OTHER FORMS OF BLANKS , EITHER

LETTER PRESS WORK OR

LITHOGRAPHED

Have constantly on hand and for sale at low prices a complete assortment of

Domestic

and

Foreign

Stationery,

COMPRISING FULL LINES OF

WRITING
OF

ALL

MATERIALS
KINDS ,

PAPERS, ENVELOPES, INK, PENS AND PENCILS
IN ENDLESS VARIETY .

CORRESPONDENCE SOLICITED AND ESTIMATES PROMPTLY FURNISHED FOR
EVERY VARIETY OF

PRINTING ,

BINDING,

ENGRAVING,
AND FOR

LITHOGRAPHING,

THE MANUFACTURE OF OFFICE SUPPLIES .

LETTERBILLO INVOICEFILE
CUL VER,PACE , HOYNE & CO .
MANUFACTURERS
1188120 MONROE SI CHICACO
SEND FOR
PRICE LISTI

The

Eureka

Bankers '

CTUREDIEM
MANUFA
CULVER
PAGE.HBOYNE & Ca
AK
PATEGHNTIL
APPLIED FOR

S IX
MISCELLANEOUOLC
LER R
EMEFE
RI
CAUGU

Note

Box .

A want long felt among Bankers
and Attorneys for a compact and con
venient method of keeping Notes and
other papers , so that they could be
readily found , has induced us to pro
duce THE EUREKA NOTE Box. It is
made in a very substantial manner ,
entirely covered with strong Russia
leather, and has a substantial lock.
There are twenty-six SLIDING PARTI
TIONS, labeled with alphabet and
name of month , which can be adjusted
to accommodate a large or small num
ber of papers, as the case may re
quire.
Size inside, 12 in. long, 974 in. wide,
472 in, deep.
PRICE , $10 EACH.
We also make a smaller size, 6 in.
long, 974 in . wide, 4% in deep, with
13 Pockets. Price, $ 8,

STYLES

OF BINDING .

SIZES OF PAPER.

NAME OF BOOK.
Cap,
Demy ,
Medium ,
Double Cap ,
Roya !
Super Royal ,
Imperial, -

Ex . E. B. and Ft.

SIZE OF PAGE.

84
104
114
1334
1134
13/4
1434

x
x
x
x
x
X
x

1372
1572
1772
1612
1812
1912
2112

SIZE OF COVER .

IO
12
1372
16
14
164
17

X
X
x
x
X
x
X

14
16
18
17
19
20
22

R. E. and B.

We keep all the following Books made up and on hand at all
times :

Bound
and
R.
or&.
B.
R.
B..
Extra
and
Fts

Print.
Front
Corer
Page
&,

6, 8, 10 and 12-qr. Medium Cash Books, 2 columns, with and without
units.
66
3
6, 8, 10 and 12 - qr.
8 and 10 - qr. Medium Deposit Ledgers, 4
8 and 10 - qr.
4
printed heading, with or without units,
8 and 10 - qr.
2 dbl. cols. ,
66
an
10
8 d - qr;
3
6, 8, 10 and 12- qr. Medium General Ledgers, with or without units.
6, 8 and 10-qr. Medium Savings Bank Ledgers, units.
2 to 8-qr. Medium Stock Ledgers, printed heading.
2 to 8 -qr.
Weekly Statement,
1 , 2, 3 and 4 -qr. Medium Baily Balance Book , 72 cloth .
2, 3 and 4-qr. 4to (6
Bills Payable, printed heading , 72 cloth .
2, 3 and 4 : qr. 4to
Receivable,
2, 3 and 4 -qr. 4to Medium Bills Payable by months , printed heading, 72 cloth.
Receivable
2, 3 and 4 - qr . 4to
2, 3 and 4 -qr. Demy Draft Registers, printed heading, 72 cloth .
Discount
2 , 3 and 4-qr.
Collection "
2, 3 and 4 - qr.
Remittance“
2 , 3 and 4 - qr.
6
Exchange “
2, 3 and 4 - qr.
Ticklers,
3 and 4 - qr.
66
Certificates
2, 3 and 4 - qr
General Balance Book , 2 cloth .
1 , 2, 3 and 4 - qr.
4 -qr. 4to P. O. Paper Figuring Books, 2 bound , ruled or plain.
2, 3 and 4 -qr. 4to Medium Signature Books, 12 cloth .
2 and 3 -qr. Notary Protest Records for any State, / 2 bound .
4, 6 and 8 - qr. Cap Directors' Records, R. E. and B. or Extra.
2, 3 and 4-qr. 4to Medium Directors' Records, R. E.and B. or Extra.
300 , 500 , 700 , 900 and 1,000 page 9x11 Copying Books.
IOXI2
300 , 500, 700 , 900 and 1,000
Medium and Demy Indexes, plain , voweled and patent.
12mo Cap, 34x572, Bank66Book, 12 leaves, plain, press board covers ,
20
I 2mo
and interleaved . Sheep.
374572
474x64.
Svo
24
66
66
24
Svo Crown, 47x634
Daily Journals, 4to, 1, 2 or 3 days to a page.
full Cap, 3 days to a page.
Julien's and Dean's Interest Tables.
Signs
Tin
, “ Bank Open ” and “ Bank Shut.”
Bankers' Cases, all styles, from $1.25 to $ 12.00 each.
Eureka, 2 sizes, $8 and $ 10 each.
Debit and Credit Tickets.
and Printed Drafts, numbered and stamped.
Lithographed
With or without
66
Certificates of Deposit, numbered . Norrington's Patent Ledger Stub,
Stock .
Printed Transfers of Stock .
Checks, all sizes.
and Printed
Lithographed
66
66
pocket form , with Norrington's Patent Ledger Stub .
Lithographed or Printed Letter Heads, Printed Deposit Tickets, Lithographed or Printed Ac
knowledgments, Remittances and Enclosures, Printed Notes, Note Notices, Printed Envelopes,
Indorsing Stamps, Paid Stamps, Guarantee Stamps, Dating Stamps, Drafts Wanted, Cards, Wax
Stamps, Corporate Seals.

‫صنم‬

CULVER, PAGE, HOYNE & CO .

PAPER .

150 g

152

CLARKE ,

Clark Street ,

FRIEND ,

FOX

Chicago ,

CO .,

MANUFACTURERS AND DEALERS IN ALL KINDS OF

ALL QUALITIES
WHITE AND
BOOK , AND COLORS ; NEWS
, COLORS ;

WRITING , FLAT AND FOLDED, PLAIN AND RULED ;

Ledger,

Plate,

Map

and

Bond

PAPERS .

WRAPPING

CARD

BOARD ,

PAPERS .

ENVELOPES ,

TWINES ,

ETC.

SAMPLES AND PRICES FURNISHED PROMPTLY ,

Agents for Whiting Paper Co.'s superior Writing Papers ; L. L. Brown
Paper Co.'s best Ledger Papers ; Owen Paper Co.'s first class Writing, Wedding
and Bond Papers ; Crane & Co.'s Standard Bond and Parchments.
The largest Stock and most extensive Manufacturing facilities in the West.

160 and 158 Clark Street, Chicago.
(SEE NEXT PAGE.)

PAPER .

Friend ,

Clarke ,

150

For Bank
Papers

152

and
are

CLARK

Fox

ST . ,

Send

Co. ,

CHICAGO .

Counting House

Cheapest.

use,

for

the

Best

Samples .

For Blank Books,

L.L. Brown's Ledger Papers
Are the best.

Warranted for strength, color, appearance, writing and erasive
qualities, superior to any other.

For General Office Use, we commend

OLD

BERKSHIRE

MILLS .

A perfect Paper, CLEAN, WHITE and STRONG.

For Checks, Notes, Drafts, use the
NATIONAL

SAFETY

PAPER ..

Send for samples and
Warranted a protection against alteration or erasure.
particulars. In use by the leading Bankers and Business Houses .

Crane's

OWEN'S

Bonds

BONDS

and

AND

Parchment.

LINEN

PAPERS.

CLARKE, FRIEND, FOX & CO. ,

SEE PRECEDING PAGE.)

150 and 152 CLARK STREET, CHICAGO.

Y
IT

C
HI

I
UN

C
OF

LIBRARIES
THE
Pand

- me

CHICAGO, ILLY

nally

BANKERS

DIRECTORY

OF THE

UNITED

STATES

AND

CANADA :

CONTAINING A

LIST OF BANKS AND BANKERS ;

ALSO THE

NAMES

RELIABLE

COMMERCIAL

LAWYERS

RECOMMENDED BY THE BANKS.

JULY ,

1880 .

CHICAGO :
RAND , McNALLY . &
77 AND 79 MADISON STREET .

CO . ,

Entered according to Act of ( ongress, July, 188 ", by RAND, MCNALLY & CO., in the Ofice of the Librarian of Congress, at Washington, D.C.

ADVERTISING DEPARTMENT.

HG 1536

ANTHONY,

POOR
iRR

Bankers
No.

BROAD

OLIPHANT ,

Brokers,

and

STREET ,

NEW

YORK .

Buy and Sell on Commission , for Cash , or upon Margin , all Securities
dealt in at the New York Stock Exchange and in all other

markets.

Special attention given to

INVESTMENT

SECURITIES

And to answering all Inquiries concerning them .

LOANS OF RAILWAY, MUNICIPAL AND OTHER CORPORATIONS NEGOTIATED

SELIGMAN

CO . ,,

BANKERS ,
NEW

Corner Broad Street and Exchange Place,

Negotiate Railroad and Municipal Loans ;
Credit for

Foreign and

YORK ,

Issue Letters of

Domestic Travel ;

Draw Bills

of Exchange on Europe, Asia, Africa and Australia ,
on

our

American

and

SELIGMAN BROS.,
SELIGMAN FRERES & CIE,
SELIGMAN & STETTHEIMER ,
SELIGMAN , HELLMAN & CO.,
ANGLO - CALIFORNIAN BANK (Limited ),
ALSBERG, GOLDBERG & CO .,

European

Houses.

3 Angel Court, London , E. C.
Boulevard Haussman , 32 bis, Paris .
Frankfurt.
New Orleans.
San Francisco .
Amsterdam ,

1060653

GENERAL

PAGE
381
Advertising Department
65
Alabama, Banks and Bankers of
333
of
Lawyers
66
Arizona, Banks and Bankers of
333
Lawyers of
66
Arkansas, Banks and Bankers of
333
Lawyers of
322
Assistant Cashiers, List of
333
Attorneys in the United States, List of
378
in Canada, List of
65
Banks and Bankers in the U.S. , Alabama
66
66
Arizona
66
Arkansas
67
California
71
Colorado
66
66
73
Connecticut
79
Dakota
66
80
Delaware
66
60
Dist.of Columbia 81
81
Florida
82
Georgia
06
66
84
Idaho
85
Illinois
100
Indiana
108
Iowa
120
Kansas
125
Kentucky
130
Louisiana
131
Maine
66
135
Maryland
Massachusetts
138
153
Michigan
161
Minnesota
Mississippi
165
166
Missouri
Montana
172
173
Nebraska
176
Nevada
New Hampshire 177
66
New Jersey
181
184
New Mexico
New York
185
60
New York City 195, 284
North Carolina 207
208
Ohio
66
221
Oregon
Pennsylvania
222
16
242
Rhode Island
South Carolina
246
247
Tennessee
249
Texas
252
Utah
253
Vermont
255
Virginia
257
Washington
West Virginia
258
259
Wisconsin
66
263
Wyoming
in Canada, British Columbia 274
276
Manitoba

INDEX .

PAGE
274
Brunswick,
New
Banks and Bankers in Canada,
66
Nova Scotia
2775
66
66
Ontario
264
Pr. Edward Isl'd 276
272
Quebec
276
in Newfoundland
60
277
in Europe
284
Bankers and Brokers of New York City
274
British Columbia, Banks and Bankers of
66
380
Lawyers of
284
Brokers of New York City
67
California , Banks and Bankers of
334
Lawyers of
264
Canada, Banks and Bankers of
60
378
Lawyers of
61
Commercial Laws of
292
Cashiers, List of
322
Assistant, List of
71
Colorado, Banks and Bankers of
335
Lawyers of
333
Commercial Lawyers in the United States
66
378
in Canada
19
Commercial Laws of the U.S. and Territories
61
of Canada
73
Connecticut, Banks and Bankers of
335
Lawyers of
79
Dakota , Banks and Bankers of
336
Lawyers of
80
Delaware, Banks and Bankers of
336
Lawyers of
291
Depositories, U. S. List of
81
District of Columbia, Banks and Bankers of
66
336
Lawyers of
277
Enropean Banks and Bankers, List of
81
Florida, Banks and Bankers of
336
Lawyers of
277
Foreign Banks and Bankers, List of
82
Georgia, Banks and Bankers of
337
Lawyers of
Great Britain and Ireland, Banks and Bankers of 277
84
Idaho, Banks and Bankers of
337
Lawyers of
85
Illinois, Banks and Bankers of
337
Lawyers of
100
Indiana, Banks and Bankers of
342
Lawyers of
108
Iowa, Banks and Bankers of
344
Lawyers of
120
Kansas, Banks and Bankers of
347
Lawyers of
125
Kentucky, Banks and Bankers of
848
Lawyers of
19
Laws, Commercial, of the U. S. and Territories
66
66
61
of Canada
Lawyers, Commercial, in the U. S., Alabama
333
66
66 Arizona
333
Arkansas
333
California
334
6
Colorad
835
66
Connecticut 335

GENERAL INDEX .

PAGE
336
, in the U. S. , Dakota
Lawyers, Commercial
66
Delaware - 336
Dist . Columbia 336
66
Florida
336
337
Georgia
Idaho
337
Illinois
337
Indiana
342
Iowa 344
Kansas
347
Kentucky
348
Louisiana
349
66 Maine
349
66 Maryland
350
Massachusetts 350
Michigan
352
Minnesota
354
Mississippi 355
Missouri
355
Montana
357
56 Nebraska
358
358
Nevada
LG
N. Hampshire 359
New Jersey 359
New Mexico 360
New York
360
North Carolina 364
Ohio
364
368
Oregon
66
Pennsylvania 368
Rhode Island 372
South Carolina 372
6
66 Tennessee
372
66
Texas
373
Utah
373
Vermont
374
66
Virginia
374
66 Washington 375
West Virginia 375
Wisconsin
376
66
Wyoming
377
in Canada, British Col'bia 380
64
66
Manitoba
380
New Brunswick 380
380
Nova Scotia
378
Ontario
Pr. Edward Isl'd 380
66
GG
379
Quebec
380
in Newfoundland
130
Louisiana, Banks and Bankers of
349
Lawyers of
131
Maine, Banks and Bankers of
A
349
Lawyers of
276
Banks and Bankers of
Manitob
66 a, Lawyers
380
of
135
Maryland, Banks and Bankers of
350
Lawyers of
Massachusetts , Banks and Bankers of
138
350
Lawyers of
153
Michigan, Banks and Bankers of
66
352
Lawyers of
Minnesota, Banks and Bankers of
161
354
Lawyers of
64

Mississippi, Banks and Bankers of Lawyers of
Missouri, Banks and Bankers of
Lawyers of
Montana, Banks and Bankers of
66
Lawyers of
Nebraska, Banks and Bankers of
Lawyers of
Nevada,
66 Banks and Bankers of
Lawyers of
New Brunswick , Banks and Bankers of
Lawyers of
Newfoundland, Banks and Bankers of
66
Lawyers of
New Hampshire, Banks and Bankers of
Lawyers of
New Jersey , Banks and Bankers of
Lawyers of
New Mexico, Banks and Bankers of
Lawyers of
New York , Banks and Bankers of
Lawyers of
New York City, Bankers and Brokers of
Banks and Trust Companies of
North Carolina, Banks and Bankers of
Lawyers of
Nova Scotia, Banks and Bankers of
GG
Lawyers of
Ohio, Banks and Bankers of
Brokers of
Lawyers of
Ontario , Banks and Bankers of
Lawyers of
Oregon , Banks and Bankers of
Lawyers of
Pennsylvania, Banks and Bankers of
Lawyers of
Prince Edward Island, Banks and Bankers of
66
Lawyers of
Quebec, Banks and Bankers of
Lawyers of
Rhode Island, Banks and Bankers of
Lawyers of
South Carolina, Banks and Bankers of
Lawyers of
Tennessee,
Banks and Bankers of
66
Lawyers of
Texas, Banks and Bankers of
Lawyers of
U. S. Depositories, List of
Utah, Banks and Bankers of
Lawyers of
Vermont, Banks and Bankers of
Lawyers of
Virginia, Banks and Bankers of
Lawyers of
Washington, Banks and Bankers of
Lawyers of
West Virginia, Banks and Bankers of
Lawyers of
Wisconsin , Banks and Bankers of
66
Lawyers of
Wyoming, Banks and Bankers of
Lawyers of

PAGE
165
355
166
355
172
357
173
358
176
358
274
380
276
380
177
359
181
359
184
360
185
360
284
195
207
364
275
380
208
404
364
264
378
221
368
222
368
276
380
272
379
242
372
246
372
247
372
249
373
291
252
373
253
374
255
374
257
375
258
375
259
376
263
377

WINSLOW , LANIER

CO.,

BANKERS

Corner

Nassau

NEW

and

YORK

Cedar

Sts . ,

CITY .

Receive the accounts of Domestic and Foreign Bankers, Corporations
and Merchants.

Negotiate Railroad and Municipal Loans.

Issue Letters of Credit for Foreign and Domestic Travel.

LONDON CORRESPONDENTS :
Union Bank of London.
Messrs. Glyn, Mills, Currie & Co.

PARIS CORRESPONDENTS :

Messrs. Hottinguer & Cie.
Societe de Depots et de Comptes Courants.

BANKING

DREXEL ,

HOUSE

MORGAN

CO . ,

Corner of Wall and Broad Streets ,
NEW

YORK .

Erected 1872-3 .

HARUHHHHHHALT

OREXEL MORGAN

DUCERE

DREXEL & CO . ,

DREXEL,

PHILADELPHIA.

HARJES & CO . ,
PARIS .

AGENTS AND ATTORNEYS OF
MESSRS. J. S.

MORGAN & CO . ,

LONDON .

DRAW EXCHANGE AT CUSTOMARY USANCES .
Issue Commercial and Travelers' Credits .

INDEX

Alabama
Connecticut .
District of Columbia .
Georgia ..
46

66
Illinois
45

Mobile .
Opelika
Hartford
Washington
Atlanta.
.Augusta .
Columbus..
Macon ...
Rome
. Savannah
Alton
Belleville
. Bloomington ..
Chicago .

64
66

66
66
66

Danville
Dwight ..
.Jacksonville
Ottawa
Rock Island
... Indianapolis

Indiana .

Iowa .

Clinton
..Council Bluffs
.Davenport :
Des Moines
..Dubuque ..
Oskaloosa .
.Ottumwa
Sioux City
Atchison .
Junction City
.Leavenworth
Salina ....
.Topeka ..

Kansas .
6

Louisville
65

Kentucky
64
Louisiana
Maryland.

New Orleans .
Baltimore

Massachusetts

Boston

ADVERTISEMENTS.

PAGE
.382
. Thos. P. Miller & Co. , Bankers ....
Bank of Opelika ....
.382
.382
.S . Arthur Marsden , Attorney at Law
Henry Wise Garnett, Attorney at Law .
.382
H. Castleman , Broker ..
..383
Bank of Augusta ..
383
Harris & Rhind, Brokers
383
National Bank of Columbus
383
First National Bank ..
.384
. Bank of Rome.
..383
.384
.. Southern Bank of the State of Georgia .
Alton National Bank .
384
First National Bank .
.385
St. Clair Title Office
384
385
National State Bank
.A. H. Andrews & Co., Manufacturers of Bank Furniture .... 418
.385
Horace C. Bennett , Attorney and Counselor at Law
412
.L . B. Boomer & Co , Bridge Builders .
.J. W. Butler Paper Co ...
opp . 422
Cameron, Amberg & Co. , Stationers & Printers
opp . 416
.417
..Carne & Drury, Tax Agency
..Chicago Mercantile Agency .
.385
413
Chicago Rubber Stamp Works .
Clarke, Friend, Fox & Co., Paper Manufacturers ....opp. Title
Culver, Page, Hoyne & Co. , Printers and Stationers . opp. Title
..... 385
E. S. Dreyer & Co. , Bankers and Brokers .
64
Fairchild & Blackman, Attorneys at Law..
First National Bank ...
.387
Hay & Prentice , Steam Warming & Ventilating Apparatus. 4
415
Chicago National Wire Cloth Mill .
Holenshade,
E.
P. A.
Hoyne, Commissioner
of Deeds ....
.421
International Bank
386
Isham & Prentice, Real Estate Agents .
..386
George 0. Marcy & Co. , Brokers ..
.385
.413
Mosler Safe & Lock Co ..
.419
..
Tiles
of
Minton
C. L. Page, Agent, Importer
S. I. Pope & Co. , Steam Heating Apparatus .
4
Ruttan Manufact'ng Co., Heating & Ventilating Apparatus 5
.426
Sargent, Greenleaf & Brooks, Mnfrs. of Time Locks .
.423
. Tappan , McKillop & Co. , Commercial Agency .
388
. Tenney & Flower, Attorneys and Counselors.
Tenney & Reese, Manufacturers of Rubber Stamps..
423
..411
.John H. Volk, Manufacturer of Monuments .
.385
Frank W. Penwell , Attorney at Law ..
Bank of Dwight
384
Central Illinois Banking and Savings Association .
388
388
La Salle County Abstract Co ...
.. Sturgeon & Olsen, Attorneys and Counselors at Law .. .388
Lithographer
opp . 10
Wm . B. Burford,
Moore Combination Desk Co
.7 & 8
Wooton Desk Manufacturing Co.
opp. 384
389
ey
ng
orn
at Law .
Geo. B. You , Att
.389
. Mayne & Key , Attorneys at Law .
..389
Conveyancing
.
Office
Abstract
and
of
Titles
Br wn's
.389
A. B. & J. C. Cummins, Attorneys at Law
Shiras, Van Duzee & Henderson, Attorneys at Law
.389
.389
C. P. Searle, Abstract of Titles .
388
. Godley & Griswold , Abstractors of Titles
.389
.Chase & Taylor, Attorneys at Law.
.Manley & Coates, Abstracts of Title .
390
390
.W. B. Clarke, Banker .
Stillings & Stillings, Attorneys and Counselors at Law
.390
Commercial Intelligence Office and Kan. Merc. Agency .
392
..390
.John W. Berks, Banker & Broker ....
ens
Citiz ' Bank ....
391
.Jones & Chandler, Attorneys at Law
.391
John D. Knox & Co. , Bankers ..
391
H. R. Prather & Co. , Brokers
391
391
A. Prescott & Co. , Bankers ...
391
D. P. Safford & Co. , Abstracts of Title
392
Garvin Bell, Attorney and Counselor at Law .
420
A. G. Dow, Jr., Bank Railings, etc ..
First National Bank .
392
392
Wm . Reinecke, Attorney at Law
..393
Gideon Townsend, Banker .
German American Bank
.393
..393
Snowden & Busey, Attorneys at Law
393
Henry C. Tarnbull, Jr. , Broker ..
402
.Geo. Wm . Ballou & Co., Bankers .
Brown Bros. & Co., Bankers .
64
.426
.Sargent, Greenleaf & Co. , Mnfrs. Time Locks .

INDEX TU ADVERTISEMENTS.

Massachusetts ...
Michigan .
Minnesota .
Mississippi .

.
Missouri
66

Lawrence
South Adams
Detroit .

East Saginaw .
St. Paul
Grenada .
Meridian
.Vicksburg.
Kansas
66 City.
St. Joseph ..
St. Louis

66
66
66
66
66
66
Nebraska
New Hampshire .
New 66York..

Lincoln
Nebraska City .
.Concord .
New York
66 City

66
66

6.
66

North Carolina .
Ohio .
66
66

66
66
Raleigh
Cincinnati
66

Pennsylvania .

Cleveland
Springfield .
Toledo .
.Philadelphia ..

Pittsburgh
South Carolina .
Tennessee
Texas

Charleston
Nashville
66
Austin
Brenham
Dallas

Virginia

.Fort Worth .
Galveston ..
Houston .
Marshall
Norfolk ..

Wisconsin

Richmond
La Crosse

. Milwaukee

66
Canada .
England .

.Oshkosh
.Platteville
Montreal
Toronto
.London

PAGE
.394
Bay State National Bank ..
L. L. Brown Paper Co ....
.opp 422
rer
g
ctu
3
um
lin
rn , Manufa
of Bank Rai
E. T. Ba
Inside front cover .
Detroit Sate Co ....
421
F. Zabriskie, Rubber and Ribbon Stamps
.393
..Harlan P. Smith , Attorney at Law .
.394
Rogers & Rogers, Attorneys at Law .
.394
N. C. Snider, Banker and Attorney
Merchants Bank
395
395
. People's Bank of Meridian .
.395
Vicksburg Bank ...
396
.Kelley & Burton , Abstracts of Titles
Merchants' National Bank
.396
.381
Whipple, Cowherd & Co., Bankers and Brokers
396
.T. J. Chew, Jr., Broker .
399
State Savings Institution
Bank of Commerce ..
.400
James Edwards & Co. , Brokers .
400
Franklin Bank ..
399
400
German Savings Institution
397
Chas. D. Greene, Jr., Commissioner of Deeds .
P. F. Keleher & Co., Bankers and Brokers .
399
398
Joseph Lathrop & Co. , Law and Collection Office.
9
Ludlow -Saylor Wire Co. , Counter ard Office Railings .
414
Engravin
St. Louis
Co ....
397
Williams & Reynolds Abstract Co.
Hunter & Sawyer, Attorneys at Law .
400
S. H. Calhoun , Attorney at Law .
400
First National Bank
401
Anthony, Poor & Oliphant, Bank's & Brok's. opp. Gen'l Index.
402
Geo . Wm . Ballou & Co. , Bankers .
401
Boody,McLellan & Co., Bankers ,
rs
Brown
Banke
402
.
& Co. ,
A. H.
64
Brown Brothers & Co. , Bankers
16
Drexel, Morgan & Co , Bankers
427
Herring & Co. , Safe and Lock Mnirs .
r
402
Holmes' Improved Chronomete Lock..
6
Hopk ns’N. Y. Steam Wire Works.
Inside front cover .
Kountze Brothers, Bankers
402
Knauth , Nachod & Kuhne, Bankers.
Merchants’ Exchange National Bank .
403
426
J. M. Mossman , Agent Sargent Time Lock ..
64
Phelps, St kes & Co. Bankers
.416
Poor's Railroad Manual.
C. B. Richard & Co. , Bankers .
401
opp. Gen'l Index .
.J. & W.Seligman & Co.,
Bankers.
J. & J. Stuart & Co., Bankers
403
401
W. R. Utley, Banker and Broker
Winslow , Lanier & Co., Bankers
15
Hinsdale & Devereaux , Attorneys at Law .
403
.404
Victor Abraham , Attorney at Law ..
Wm . J. Dunlap & Co., Brokers.
404
George Eustis & Co., Brokers
404
Hall's safe and Lock Co ....
.424-5
Thos. T. Heath , Attorney at Law
404
404
.Joseph F. Larkin & Co., Bankers .
413
Moslerch
...
Có
Safe and Lock
Wilsta & Baldwin , Stationers and Printers
10
J. H. Fleharty & Co. , Engiavers .
.414
Cochran & Rodgers, Attorneys at Law .
405
.405
Raymer, Seagrave & Co. , Bankers
Brown Brothers & Co. , Bankers
64
Drexel & Co., Bankers
16
414
Wm . F. Murphy's Sons, Stationers
. Allegheny National Bank
405
.406
Iron City National Bank .
406
.People's National Bank .
405
ston National Banking Association
Bank of Charle
First National Bank
407
407
B. F. Wilson, Dealer in Securities
Bremond & Co., Bankers .
497
.Giddings & Giddings, Bankers
407
City National Bank of Dallas
408
409
Philip Lindsley, Attorney at Law .
.408
City National Bank .
Tidball , Van Zandt & Co. , Bankers .
408
First National Bank
409
John W. McDonald, Abstracts of Title .
407
409
E. J. Fry, Banker ..
410
Bank of Commerce .
Exchange National Bank .
.410
Campbell & Schoolcrafí, Brokers .
409
409
Cameron, Losey & Bunn , Attorneys at Law
.La Crosse National
Bank ...
410
H. Gugler & Son , Lithographers
420
opp.
Manufacturers? Bank
381
Thomas L. Ogden, Attorney at Law
.410
Weisbrod & Harshaw , Attorneys at Law
410
rop & Co. , Bankers .
411
North
Canada Guarantee Co ..
63
..Imperial Bank of Canada
411
422
.Henry F. Gillig & Co. , Bankers and Agents .

COMMERCIAL

LAWS.

COMPILED EXPRESSLY FOR THE BANKERS ' DIRECTORY .
Carefully Revised up to July 1st, 1880.
ALABAMA .
ACKNOWLEDGMENTS and proofs of conveyances may In Justice's Courts judgment may be had after three
be taken by Judges of the Supreme and Circuit Courts days' notice.
LIMITATIONS. Notes, six years ; open accounts , three
and their Clerks,Chancellors,and Registers in Chancery,
Judges of Probate Courts , Justices of the Peace, and years ; sealed instruments, ten years ; judgments,
Notaries . In other States they may be taken by Judges twenty years. Bar created by statute can only be re
and Clerks of any Federal Court or court of record, the moved by a partial payment, made on the contract
Mayor or chief magistrate of any town, city, borough before the bar is complete, or by an unconditional
or county, or a Notary Public. If out of the United promise in writing. Those under legal disability have
years after its removal in which to begin suit, but
States, by the Judge of any court of record, Mayor, or three
Chief Magistrate, or any Diplomatic or Consular Agent. no action can be commenced after twenty years.
ASSIGNMENTS AND INSOLVENCY . Assignments are Actions on contracts or writings not under seal, or for
governed by the common law , except that a general trespass to real and personal property, or on stated or
assignment by a debtor giving preference to one or liquidated account, must be brought within six years .
more cieditors over the remainder shall be and inure
MARRIED WONEN. Wife retains her separate estate
for the benefit of all creditors equally. There is and may devise or bequeath it as if sole. She can not
no general insolvent law, and no imprisonment for mortgage her statutory separate estate, nor act as a
debt.
dealer in the purchase and sale of goods, and the
ATTACHMENT process will issue for the collection husband is made trustee of his wife's estate , although
of a debt, whether due or not, to recover damages for it is not subject for payment of his debts. Conveyance
breach of contract , or where the action is for damages of the wife's estate may be made by husband and wife
alone , upon affidavit by the creditor or his agent that the jointly in presence of two witnesses , and must be
debtor absconds, secretes himself , or resides out of the acknowledged and recorded. Married women may
State so that process can not be served, or is about to become free dealers by application to the Court of
remove or fraudulently dispose of his property, or frau Chancery , and in such cases they manage their property
dulently withholds money, chattels , or effects. Plaintiff as if they were single.
must give bond in double the amount claimed . Gar
MORTGAGES are executed and acknowledged in the
nishment process will issue in aid of attachment in all same manner as deeds. May be foreclosed by bill in
such cases.
equity, or, if there be a provision to that effect, upon
COURTS . Terms and Jurisdiction . Circuit Courts failure to pay any portion of principal or interest.
have jurisdiction in all law cases involving over $50. Two years are allowed for redemption in each case.
The Courts of Chancery have exclusive equity, jurisdic Conveyances of personal property to secure debts, or
tion . Regular terms of both twice a year in nearly provide indemnity, are void against creditors or pur
every county.. Chancery Courts have full equity pow chasers without notice, unless recorded .
NOTES AND BILLS OF EXCHANGE . Bills of exchange
ers and the city courts of Montgomery , Eufaula and
Mobile have concurrent jurisdiction with the Circuit and promissory notes payable at a bank or designated
Courts except as to land titles. Probate Courts hold place are governed by commerciallaw and are negoti
term on second Monday of each month . Justices of the able instruments. Paper payable in this State entitled
Peace have exclusive civil jurisdiction up to $50, con to grace, and falling due on January 1, July 4, or
current up to $ 100, and must hold court monthly. Christmas, is due on the day previous, or if that be
Names of all parties plaintiff and individual names of Sunday, then on Saturday previous. All bonds, con
copartners mustbe given in writs. Non -residents must tracts, and writings for payment of money or any other
give bond for costs .
thing, or the performance of any act or duty, are assign
EXEMPTIONS . The homestead of 160 acres , or in a able by indorsement so as to authorize an action there
city, town or village, the lot with dwelling , etc., not on by each successive indorsee. Acceptances of bills
exceeding $ 2,000 in value,and owned or occupied by any of exchange must be in writing, but an unconditional
resident. Exemption may be waived, but wife must written promise to accept a bill before it is drawn is
join in the deed and it must be acknowledged. Personal an actual acceptance, and any person upon whom a bill
property to value of $ 1,000 selected by debtor,and wages is drawn and who fails to return it within twenty-four
to $ 25 per month, are also exempt. Widow'sexemption hours is deemed to have accepted it. Notes not payable
includes also wearing apparel, family books and at any specified place are not entitled to grace .
PROTEST. Indorsers of bills of exchange or notes
pictures, and provisions for twelve months.
EXECUTIONS. Writ of fi. fa. is a lien only within the payable at a bank or private
house are charged
county in which it is received by the officer, on lands by a notice of protest duly banking
served , without bringing
and personalty of defendant subject to levy and sale , suit against the maker. Damages on bills of exchange,
and continues so long as writ is regularly delivered to whether foreign or inland , for non -acceptance or non
Sheriff without the lapse of an entire term . Execu payment, are five per cent . on the sum drawn for.
Suits . Every action, except upon bills of exchange,
tions issue from Circuit Courts within twenty days
from close of term ; city courts within ten days after etc. , as above, founded on express or implied contract,
judgment ; Justice's after five days, returnable in not must be brought in the name of the person really inter
less than thirty nor more than sixtydays. May be issued ested, whether he have the legal title or not .
instanter on affidavit of plaintiff or his agent that he
TAXES . The purchaser of lands sold for delinquent
is in danger of losing the fruits of his judgment. No taxes receives from the collector a certificate of pur
containing a description of the property, the
chase
stay of execution in Circuit Court except by appeal ,
which delays collection until affirmance by Supreme date and amount ofassessment, taxes, costs, fees, etc.,
Court , and entails five per cent. damages , with legal which after the expiration oftwo years is exchangeable
interest and costs. In Justice's Courts stay is granted for a deed from the Probate Court which is prima facie
evidence of title. Lands sold for taxes may be re
on good security ; below $20, thirty days ; over $20,
deemed within two years by the owner, mortgagee, or
sixty days .
any
person having a beneficial interest therein . If re
INTEREST. Legal rate is eight per cent., and same is
deemed within three months the penalty is ten per
allowed on all open accounts, judgments and decrees.
Usury forfeits all interest.
cent.; one year, fifteen per cent.; two years, twenty
JUDGMENTS, in courts of record are proved by a certi per cent. , and interest at the rate of eight per cent. per
fied transcript. May be rendered at first term if action
annum on the purchase money , with all costs of sale,
is not defended, and create a lien from date of issuance .
accrued taxes , and other claims.
19

COMMERCIAL LAWS

ARIZONA .
The laws of Arizona in relation to arrest on civil
process, attachment, executions, exemption of real and
personal property , homesteads , garnishment, interest,
udgments, and limitations of actions, are similar to
those of California (which see] , except that the law
does not provide for any declaration of homestead .
The character of homestead is acquired by actual resi
dence. There are no insolvent laws in Arizona.
Mortgages on real estate must be recorded , and chattel
mortgages may be given on all property and furniture
in hotels and public boarding houses , when given to

secure purchase price ; on saw mill, grist mill and
steamboat machinery, tools and machinery used by
machinists, foundrymen and other mechanics; steam
boilers, steam engines , locomotives, engines and roll
ing stock of railroads, printing presses, instruments and
chests of surgeons, physicians and dentists, libraries of
all persors, machinery and apparatus for mining pur
poses, growing crops, grain in store and field , teams,
implements and stock on farm . Mines are not taxed,
but the net proceeds of the same are taxed $2 on the $ 100.

ARKANSAS.
ACKNOWLEDGMENTS of deeds within the State may
be taken before a Judge or Clerk of the Supreme or
Circuit Court, Judge of County Court, Justice of the
Peace, or Notary Public . Anywhere else in the United
States, before any Federal , State or Territorial Court
having a seal, or before the Clerk of any such Court,
Mayor or chief officer of any town or city having a
seal of office, or any Notary Public. Out of the
United States, before any authorized Court or officer.
ATTACHMENT. Plaintiff in civil action may at or
after commencement thereof have attachment against
property of defendant where said defendant is non
resident of the State or a foreign corporation, or has
been absent four months from the State, or has depart
ed from it with intent to defraud his creditors, or has
left the county of his residence to avoid service of a
summons, or conceals himself so that a summons can
not be served upon him, or has transferred, sold , con
veyed or removed his property out of the State, or is
about to sell , remove or dispose of the same with such
fraudulent intent . Under a writ of attachment debts
due the defendant may be garnisheed. Plaintiff must
give bond with sureties, conditioned to pay all dam
ages defendant may sustain it the action is wrong .
fully maintained.
ASSIGNMENTS AND INSOLVENCY. Assignments for
the benefit of creditors may be made with or without
preference . Assignee must give bond in double the
amount of property assigned , and must sell within 120
days at auction allthe property received by him under
the assignment.
COURTS. Terms and Jurisdiction . Circuit Courts
with original jurisdiction over all civil cases not less
than $ 100 including interest, are held twice a year in
each county. Justices have originaljurisdiction up to
$100, and concurrent up to $ 300.
EXEMPTIONS. Homestead of married person or head
of a family in country not exceeding 160 acres, with
improvements, not to exceed $2,500, but in no case can
the homestead be reduced below 80 acres, without re
gard to value. In any town, city or village, homestead
of one acre with improvements of total value of$ 2,500 ,
not reducible below one-fourth of an acre without re
gard to value. Personal property of married person or
head of a family $ 500 besides wearing apparel, and of
a person unmarried or not head of a family $200 and
wearing apparel .
EXECUTIONS are returnable sixty days from date
from the Circuit Court, and thirty days from Justice's
Court. Where execution has not been stayed, sales
are made on a credit of three months on bond and se
curity, said bond having the force of a judgment if
forfeited . Execution may be stayed for three months
by defendant giving bond with security for judgment,
interest, and costs, which bond has the force and effect
of a judgment.
INTEREST . Legal rate is six per cent., but contracts
may be made for any rate not exceeding ten per cent.
Interest begins to run on an open account from the
time payment is unreasonably withheld. Judgments
bear the same interest as contract sued on , it in such
instrument the words " until paid ” are used concerning
the payment of interest. But if the words per annum
alone are used, theu, regardless of the rate stipulated,
the judgmentwould draw six per cent. Usury forfeits
principal and interest.
JUDGMENTS and decrees of Circuit Courts are liens on
real estate of defendant within the county in which
the Court is held andon personalproperty from the
time execution is received by the Sheriff. Judgments
of Justices of the Peace become a lien on real estate by
filing a transcript with the Clerk of the Court, and are a
lien on personal property from the time execution is

received by the constable . Executions may be issued
ou judgment until it is barred by the statute of limita
tions. Judgments are rendered at first term of a court
of record if no defense is made.
LIMITATIONS . Accounts, three years ; notes, five
years ; sealed instruments and judgments, ten years . A
written acknowledgment of indebtedness and promise
to pay, or a part payment, revives the debt.
Limita
tionsof actions for the recovery of real estate, seven
years . Usual saving clause in favor of infants, married
women , and insane persons, but not as to non -residents.
MARRIED WOMEN. Married women have the same
absolute and unqualified right in property of every de
scription, when acquired, as femes sole, and the same
not liable for debts or contracts of the husband. Το
entitle a married woman to her right as to personal
property, she must cause such separate property to be
recorded in her name in the county of her residence.
She may carry on business on her sole and separate ac
count, and she may sue or be pued alone on account of
her separate property, business, or services ; and she
may contract and bind herself in respect to such sepa
rate property or business, and no such contract shall be
binding on her husband, or render him or his property
in any way liable therefor. In all actions where a mar.
ried woman is a party - except as to such separate prop
erty or business - her husband must be joined with her
in the suit . Widow takes dower in one-third of all
lands of which the husband was seized of an estate of
inheritance during , marriage, unless legally relin
quished ; also an absolute one-third of all personalty .
Where there are no children she takes one-half of
realty for life , and absolute one-half of all personalty.
MORTGAGES are acknowledged same as deeds, and are
not liens until filed for record, though good between the
parties. May be foreclosed by complaint in equity .
Chattel mortgages must be proved as other mort
gages. May be filed and not recorded atoption of
mortgagee, and are liens from time of filing. Trust
deeds must be acknowledged and filed same asmort
gages . Before sale under mortgages, the property must
be appraised, and must bring two-thirds of the ap
praised value, orit is reserved from sale twelve months
if real estate , and sixty days if personal property. At
second offering it is sold for what it will bring.
NOTES AND BILLS OF EXCHANGE. Foreign and inland
bills of exchange are governed by mercantile law as to
days of grace, protest and notice. All indorsers or
assignors of any instrument in writing assignable by
law , which by its terms is payable “ without discount
or defalcation ," may be notified of non -payment or pro
test of such instrument, and are equally liable with the
maker, obligee, or payee, and may be sued for the same
at the same time with the maker, obligee, or payee
thereof, or may be sued separately.
Suit in the Circuit Court is commenced by filing
written complaint signed by the party or his attorney,
verified by affidavit of the party , but such verification
is not required where the complaint is founded on a
bill, note, or other written obligation . The first term
is trial term where the summons has been served
within the county ten days before the beginning of
term --twenty days elsewhere in the State, orsixty days
outside the State.
Taxes must be paid between December 15 and April
20 of each year next succeeding that in which they are
assessed . If not paid within the time required by law
25 per cent. penalty is added, and lands are advertised
for two weeks and sold. Lands may be redeemed
within two years by payment of purchase money, pen
alty, and costs , and 10 per cent. interest per annum .
Sale conveys absolute title, subject to such redemp
tion.

COMMERCIAL LAWS.

CALIFORNIA ,
ACKNOWLEDGMENTS OF DEEDS . Real estate is trans
ferred by what is known as a 16 grant,” which con
tains a description of the property. Deeds, though not
recorded, are valid between the parties thereto and as
to all other persons having actualnotice, but absolutely
void as to all persons without
notice. Proof or ac
knowledgment of an instrument may be made witbin
the State before any Judge or Clerk ofa court ofrecord,
Recorder, Justice of the Peace, or Notary Public .
Without the State, but within the United States, before
any judicial officer, Commissioner, or Notary , and in
foreign countries before any Diplomatic or Consular
A gent or Judge of a court of record, Commissioner, or
Notary Public. A conveyance by a married woman has
no validity until acknowledged.
ASSIGNMENTS AND INSOLVENCY. No assignment of
an insolvent debtor is valid unless in conformity with
the Insolvency Laws of the State.
ATTACHMENT will issue in an action upon a contract,
express or implied, for the direct payment of money,
where the contract is made or is payable in this State,
and is not secured by any mortgage or lien upon real or
personal property, or any pledge of personal property ;
or if originally so secured, such security has, without
any act of the plaintiff, or the person to whom the se
curity was given, become valueless; also in an action
upon a contract, express or implied, against a defend
ant not residing in this State. Garnishee process can
be had in all cases where property is liable to attach
ment . Defendant may be arrested in a civil action
arising upon contract where he is about to remove
from the State, or has removed or disposed of his prop
erty with intent to defraud creditors, or was guilty of
fraud
in contracting
Jurisdiction . After Jan. 1 ,
COURTS
. Terms the
anddebt.
1880, under the new constitution of the State, the Dis
trict and County Courts are abolished and merged into
Superior Courts. which are always open for the trans
action of business, there being one in each of the or
ganized counties . Such courts have original jurisdic
tion in all equity cases, all suits involving the title or
possession of real property, or the legality of taxes ,and
in all other cases in which the demand amounts to $ 300,
exclusive of interest. Justices of the Peace have ju
risdiction up to $300.
EXECUTIONS from any court may issue immediately
on rendition of judgment, or at any time within five
years , and as often within that period as any part of the
judgment remains unsatisfied . If not coilected within
five years, judgment must be renewed by suit. Execu
tions are returnable not less than ten nor more than
sixty days after receipt by the Sheriff. The court
in which an action has been tried has discretionary
power to grant a reasonable stay of execution. Lands
sold under execution are subject to redemption by the
judgment debtor or his suco sor in interest, or by any
creditor having a lien , on payment within six months
of the purchase money, with interest at two per cent.
per month .
EXEMPTIONS. The homestead, not exceeding $ 5,000
in value, if declaration of homestead is properly tiled
in the Recorder's office of the county where situate, by
a husband or wife, or other head of a family, is exempt
from execution except in the following cases : 1st,
where the judgment was obtained before the declara
tion of homestead ; 2d , on judgments for liens of me
chanics, laborers or vendors of the land ; 3d, on debts
secured by mortgage on the land , executed by the hus
band and wife, or an unmarried claimant ; ' 1th, on debts
secured by mortgage on the land before the declaration
of homestead . Homestead of a single person not ex
ceeding $ 1,000 in value, is exempt. Personal property
exempt includes chairs, tables, desks , and books, $ 200;
necessary household and kitchen furniture, sewing
machine, stoves, beds , etc., provisions for family for
three months, three cows , four hogs, two horses, oxen,
or mules, and seed grain reserved up to $ 200; tools and
implements of a mechanic or artisan , instruments of a
physician and professional library ofattorney, minister,
editor, or school teacher, a miner's cabin , not ex
ceeding $ 500 in value, also sluices, pipes, tools, etc. ,
necessary for his business, not exceeding. $ 500, two
horses or mules with harness, and the miner's claim
worked by him and not exceeding $ 1,000 in value, are
also exempt. A drayman may retain two oxen, horses,
or mules, with harness and wagon or dray. Earnings
within thirty days of levy, if necessary for support
of family ; shares in homestead associations up to
$ 1,000, if debtor has no homestead selected ; and life
insurance policies and all benefits accruing therefrom ,
made in any company organized under the laws of this

State, provided the annual premium does not exceed
$ 500, are all exempt. But all things above mentioned
areINTEREST
liable for debts incurred for their purchase.
The legal rate is seven per cent. , but
parties may agree on any rate, and there is no penalty
fur usury . Judgments bear seven per cent. per annum
from date of entry .
JUDGMENTS in courts of record where no defense is
made are entered immediately after expiration of time
designated in the summops for defendant's appearance.
Are liens for two years on all real estate of the debtor
within the county, which may be extended to other
counties by filing a certified copy of the docket in
the office of the County Recorder. Judgments in Jus
tice's Courts have the same effect when transcript is
filed .
LIMITATIONS TO SUITs. Actions must be brought as
follows: Within five years, upon a judgment or decree
of any court of the United States, or of any State
within the United States, or an action for mesne profits
of real property; within four years , an action upon
any contract, obligation, or liability , founded upon an
instrument of writing executed in this State- (prom
issory notes included ); within three years , an action
upon a liability created by statute - other than a pen
alty or forfeiture ; for trespass upon real property ; for
taking, detaining, or injuring any goods or chattels
including actions for the specific recovery of personal
property ; for relief on the ground of fraud or mistake.
Within two years, upon a contract, obligation, or lia
bility - not founded upon an instrument in writing, and
on promissory notes and other written instruments
executed out of this State.
MARRIED WOMEN . All property acquired in any
manner before marriage, or afterward, by gift, bequest,
devise, or descent, is wife's separate property, and
controlled as if fime sole. All property acquired after
marriage by husband or wife , except as above, shall be
common property. Earnings of wife are not liable for
debts of the husband, but he controls the community
property. Dower and curtesy are unknown , but the
widow takes half the common property after pyment
of debts and expenses of administration . A married
woman may dispose of all her separate estate by will
without consent of her husband .
MORTGAGES of real estate do not require the wife's
signature unless the property is the homestead or her
own separate estate . They are executed and acknowl
edged in the same manner as deeds. Chattel mort
gages to be valid against persons other than the parties
thereto must show the residence and trade of the
mortgagor and mortgagee, the rate of interest charged ,
and when and where it is payable, and mortgagor and
mortgagee must each make affidavit that the mortgage
is bona fide and made without design to defraud or
delay creditors. The same equity of redemption ex
ists in lands sold undermortgage as under execution .
NOTES AND BILLS OF EXCHANGE are governed by the
civil code. Notice of dishonor may be given by the
holder or any party to the instrument who may be
called on to pay it, and must be in writing. Days of
grace are not allowed . The 1st of January, 22d of Feb
ruary, 4th of July, 25th of December, day of State elec
tion , and Thanksgiving Day, are legal holidays. Dam
ages instead of interest to time of dishonor are allowed
on dishonored bills, drawn or negotiated in this State,
as follows: two per cent. of the amount if drawn on a
person in this State ; five per cent. on a person out of
the State west of the Rocky Mountains ; ten per cent.
on a person east of the Rocky Mountains, and fifteen
per cent . if on a person in a foreign country. The ap
parent maturity of a bill of exchange or promissory
note payable at sight or on demand, and bearing inter
est, is one year from its date ; if it does not bear interest,
ten days from date on bills and six months on promissory
notes, and when the latter are payable at a certain time
after sight or demand, said time is added.
SUITS. Where Brought. There is but one form of
action, commenced by filing a written complaint with
the clerk of the court; or if in a Justice's Court it may
be by filing a copy of the note, bill, or account, on
which action is brought. Summons must be issued
within one year after complaint is filed , and if defend
ant evades service he may be notified
publication .
In the Superior Courts the defendant by
is allowed ten
days after the service of summons and complaint to ap
pear and answer the complaint, where service is made
within the county in which the action is brought;
twenty days if served out of the
ty but in the dis
trict in which the action is brought ; and forty days if
served elsewhere . In Justice's Courts five days are

COMMERCIAL LAWS.

allowed defendant to answer where summons is served
in the township where action is brought; ten days if
served out of the township but in the county in which
action is brought, and twenty days if served elsewhere .
TAXES become delinquent on the first Monday in
January, after which, five per cent . is addedt. Delin
quent list is published on or before the first Monday in
February, and sale is made in front of the court house
not less than twenty -one nor more than twenty -eight
days after first pubìication . Taxes on personal prop- |

erty are a lien on real estate of same owner. Owner of
real estate sold for taxes may redeem within one year
by paying the amount and fifty per cent . additional to
the County Treasurer. [Note. - The new Constitution
provides that each taxpayer must furnish a sworn state
ment of his property, and also provides for the collec
tion of an income tax and poll-tax. In thig as
in some other points affected by the new Constitu
tion the Legislature is charged with the passage of laws
necessary to carry out the constitutional provisions.]

COLORADO .
ACKNOWLEDGMENTS of deeds within the State may sheep and necessary food for six months; working
be taken before any Justice, Clerk, or Deputy Clerk , animals , up to $ 200 ; the library and implements of a
of the Supreme or District Courts , County Judge , professional man up to $ 300. Persons not the heads
County Clerk or Recorder, Justice of the Peace, or of families are entitled to tools, working animals, and
Notary Public . In other of the United States and stock in trade, not exceeding $ 300 in value.
INTEREST. The legal rate where no agreement is
Territories, before the Secretary of State , under the seal
of the State, any authorized officer of said State or made is ten per cent. and the same is allowed on judg.
Territory, or any Commissioner of Deeds. In foreign ments and county orders, and eight per cent . on State
countries, before any Judge of a court of record, warrants. There are no usury laws.
JUDGMENTS are liens upon real estate within the
Mayor or chief officer of any city or town having a seal,
or any Consul of the United States. The Act of 1879 county as soon as abstracts thereof are filed of record
provides that “ Deeds, bonds and agreements in writing, in the office of the County Recorder and not before, and
conveying lands, or any interest therein, or affecting may be extended to other counties by filing transcript.
title thereto , may be acknowledged or proved before Lien continues six years from entry of judgment , pro
any clerk of the Circuit or District Court of the United vided execution be issued on the judgment within one
States for the district of Colorado, or any deputy of year.
LIMITATIONS TO Suits . The Act which went into
such clerk ; such clerk certifying such acknowledg
effect May 15, 1879, provides that an action accrued out
ment under the seal of such court respectively."
ASSIGNMENTS AND INSOLVENCY. There are no statu of the State upon a contract or agreement, express
tory enactments whatever concerning insolvency or or implied, or upon any sealed instrument or judgment
assignments.
of any court more than six years before commencement
ATTACHMENT. Where defendant is a non-resident or of the action , is barred . On notes,accounts, bonds , etc. ,
a foreign corporation, or a corporation whose chief when the cause of action accrued within the State, the
offie or place of business is out of the State , or has limit is six years. Bills for relief on the ground of
been four months absent from the State, evades serv fraud, must be filed within three years from discovering
ice, attempts to remove or frauduently conveys , trans the fraud .
MARRIED WOMEN rutain their separate property, real
fers, assigns or conceals his property , or where the
debt was fraudulently contracted , plaintiff may obtain and personal, owned at marriage or acquired thereafter
by
gift, devise, descent, or bequest - including presents
a writ of attachment by making affidavit to the facts
and giving bond with security in double the amount from the husband for thir own separate use, and not
claimed . Garnishee process will issue in aid of attach liable for their husbands' debts. They may carry on
ment or execution where sufficient property to satisfy trade or business, sue and be sued, contract debts , and
the same is not found by the officer. Imprisonment execute promissory notes, honds, bills of exchange,
for debt is abolished , and no civil action can be begun and other instruments, precisely as if sole, and may
by arrest, but in actions founded upon a tort where the convey real estate without the husband joining in the
jury find that in committing the tort defendant was deed . In all actions against a married woman , except
guilty of malice, frand, or willful deceit, execution may as touching her separate property, the husband must
issue against the defendant's body, and he may be im be joined as a co-defendant. ` A married woman may
make a will , but can not bequeath more than half her
until the judgment property
prisoned
away from her husband witnout his consent in
. exceeding one year, or
satisfiednot
is
COURTS. Terms and Jurisdiction . District Courts writing. Dower is abolished, and the estate of an in
hold from one to two terms a year in each county (three testate descends to the surviving wife or husband
in Lake and Arapahoe counties) . They have original where there are no children, or descendants of children ;
jurisdiction in all cases, both of law and equity. County in other cases survivor takes one-half, subject to pay
Courts are held in the counties of Arapahoe, Lake , Car ment of debts. The husband can not by will deprive his
bonate, El Paso, Park, Sagauche, Summit, Rio Grande, wife of over one-half of his property .
and Wed , six times a year, and in the other counties
MORTGAGES. There are no statutory provisions ex
four times. They have exclusive probate powers, and cept as to foreclosure and redemption from sale, the
concurrent jurisdiction with the District Courts where same time being allowed for redemption as in sales
the debt, damages or claim does not exceed $ 2,000. under execution . Trust deeds are common , and lands
Justices of the Peace have civil jurisdiction up to $ 300. or real estate sold by a trustee under deed a of trust aro
EXECUTIONS may be issued from all courts immedi not redeemable. Chattel mortgages, to be valid as to
ately on entering judgment, and become a lien at once third parties , must be acknowledged before a Justice
on all personal property of defendant within the county. or Notary Public of the nearest precinct, and recorded
When issued from a court of record , are returnable in in the Recorder's office, unless possession of the chat
ninety days ; from a Justice's Court, thirty days; and tels actually passes . They may be given for a term of
land on which defendant resides must be taken last. two years, and, after deault, mortgagee must not delay
Defendant or legal representative has six months in in taking possession, or his lieu will be invalidated as
which to redeem lands sold under execution ; judgment to third parties.
creditors may redeem after six and within nine months.
NOTES ANDBILLS OF EXCHANGE. Promissory notes,
Where execution is returned unsatisfied, judgment dne bills, bonds, and other instruments in writing, are
debtor may be required to answer under oath touching negotiable by indorsement , and if made payable to a
his property, and if it appears by affidavit that there person or bearer, do not pass by delivery only ,but must
is danger of his absconding, he may be arrested and be assigned hy indorsement, so as absolutely to vest
held to bail. There is no stay of execution except by the property in each assignee successively. Assignee
appeal
.
must use due diligence against the maker before he
EXEMPTIONS.
Homestead consisting of house and can hold the assignor liable. Three days of grace are
lot or lots in any town or city, or of a farm of any num allowed on notes and bills, except draits payable ta
ber of acres, so that the value does not exceed $ 2,000 , sight, and checks for fuods d :posited subject to draft
when such homestead has been entered of record as at sight. Paper maturing on Sunday, Fourth of July,
such, and is occupied by a householder, the head of a Christmas , or any day set apart by the Presidentof the
family. Personal property exempt includes all wear United States, or the Governor, as a day of fasting or
ing apparel of the debtor and his family, pictures, thanksgiving, is deemed to fall 'due the previous day,
school books and library, beds and bedding, stoves, and may be presented and protested accordingly. Pro
cooking utensils, and household furniture, not exceed test is necessary on bills of exchange drawn by parties
ing $ 100; provisions for six months, tools , implements, in the State on parties residing without the State, for
or stock' in trade , up to $ 200 ; one cow and calf, ten non -acceptance or non -payment; and the drawer or

COMMERCIAL LAWS.
indorser thereof, due notice being given of such non
acceptance or non -payment, must pay said bill, with
legal interest thereou from the time such bill ought to
have been paid, and ten per cent. damages in addition,
together with the costs and « harges of protest.
Suits. There is but one form of civil action , com
menced in courts of record by filing a written com
plaint with the Clerk, and in Justice's Courts by sum
mons, stating amount of demand. Summons must be
issued within one month from filing complaint, and de.
fendant is required to answer or stand default within
ten days, if served within the county ; twenty days
within the district but outside the county, and forty
days elsewhere in the State. Service may be had by
publication where defendant resides out of the State,
or has departed from it, or conceals himself , or cay not
be found . In Justice's Court, service must be had three
days before return day, which is fixed at five days from

the issuance of summons. Non -residents must give
security for costs at the time of commencing action .
Taxes are a perpetual lien on real estate until paid.
It is the duty of persons subject to taxation to attend
at the Treasurer's office and pay their State and county
taxes between November 1 and December 30 of each
year, and after January 1 taxe- draw interest at the rate
of twenty-five per cent. per annum . Real estate delin
quent is advertised in April by the County Treasurer
and sold in June. May be redeemed in three years by
payment of amount for which it was sold, with interest
as above, and penalty of fifteen per cent, additional if
redeemed within three months; twenty-five per cent.
over three months and within a year; forty per cent.
over one year and within two, and fifty per cent.if over
two and within three years, with all subsequent taxes
paid
purchaser,
annumby thereon
. and twenty-five per cent. interest per

CONNECTICUT .
ACKNOWLEDGMENTS . Deeds of land must be in writ for the trial of civil causes, and has exclusive jurisdic
ing, subscribed and sealed by the grantor, attested by tion in all law and equity cases exceeding $500 . Court
two witnesses, and personally acknowledged. An ac of Common Pleas in Hartford, Fairfield , New London
knowledgment, whether within or without the State, is and New Haven counties, has exclusive law and equity
sufficient iſ made before a Judge of any court of jurisdiction above $100 and below $ 500,and in New
record , Justice of the Peace, Notary , or any officer em Haven county only concurrent jurisdiction with the
powered by law to receive acknowledgments. Within
Superior Court above $ 500 and up to $ 1,000. Four terms
the State, deeds may also be acknowledged before each year are held in each of the counties named .
Judges of Probate, Commissioners of the School Fund, District Court has jurisdiction in Litchfield county up
Clerks of the Superior Court, and Town Clerks . In to $ 1.005, and there are City Courts with limited civil
foreign countries, before a United States Consul, Notary jurisdiction in many of the cities. Probate Courts deal
Public, or Justice of the Peace .
with the settlement ofestates and insolvency proceed
ASSIGNMENTS AND INSOLVENCY . Voluntary assign ings, and Justices of the Peace have civil jurisdiction
ments in insolvency can be made by any debtor to a up to $ 100 .
trustee of his own selection, subject to the substitution
EXECUTIONS issue on the return of final judgment,
of another by the Probate Court, if deemed proper. and are returnable within sixty days . No execution
Assigning debtor must lodge with Court of Probate a issued in an action founded on contract merely can be
list verified under oath of his creditors and schedule levied on the body of the debtor except for breach of
promi of marriage, misconduct or neglect in office or
of his property. [ Public Acts, 1830, p . 523. )
creditor for over $ 100, having bronight suit and finding professional employment, or breach of trust. Real es
no property to attach, may apply to the Probate Court tate levied on must be appraised by three indifferent
for the appointment of a trustee in insolvency of the persons. Stay of execution only on appeal, or in special
debtor's estate. A hearing is had , and, if the petition causes at discretion of court.
EXEMPTIONS. No Homestead law. Of the property of
is granted , trustee takes all debtor's estate not exempt;
and all incomplete levies or attachments on mesne any one person , his necessary apparel and bedding
process commenced within sixty days previous , are and household furniture necessary for supporting life;
dissolved. Three to six months are allowed to prove arms, military equipments, uniforms or musical in
claims, which are passed upon by commissioners struunents owned by any member of the militia for
appointed for that purpose. The debtor receives an military purposes ; any pension moneys received from
allowance for his support and that of his family, and if the United States while in the hands of the pensioner ;
the estate pavs seventy per cent. of all claims proved, implements of the debtor's trade, his library not ex
he obtains a full discharge. Debtors may be arrested in ceeding $500 in value; one cow not exceeding $ 150 in
actions for fraud or torts, and can give bail to the officer value ; any number of sheep not exceeding ten nor ex
the court ceeding in all $ 150 in value ; two swine and the pork
making the arrest, for their appearance before
to which the writ for arrest is returnable . A debtor produced from two swine, or two swine and two hun
committed to jail on civil process can be released on dred pounds of pork ; poultry not exceeding $25 in
taking an oath that he has not any real or personal value ; certain specified family stores; one stove and
estate in possession, reversion or remainder, of the the pipe belonging thereto ; the horse of any practicing
value of $17 in the whole , or sufficient to pay the physician or surgeon ofa value not exceeding$ 200, and
demand for which he is imprisoned, except what is by his saddle, bridle, harness and buggy ; oneboat used
law exempted from being taken on execution; and that in the business of planting or taking oysters or clams,
he has not, directly or indirectly, sold, or otherwise or shad , with the sails , tackle , rigging and implements
disposed of, all or any part of his estate, thereby to used in said business not exceeding in value $ 200; one
secure the same, or to receive or expect any profit or sewing machine in use; one pew in church in use, and
lots in burying ground, appropriated by its owner for
his oath
credit
or deceive
. or not
to defraud
advantage
ors.
The therefrom
debtor will
be released
if his
is the burial place of any person or family: so much of
overcome by rebutting evidence . All debts due any any debt which has accrued by reason of the personal
laborer or mechanic for personal wages for labor per services of the debtor as shall not exceed $ 10, or if he
formed within three months next preceding the assign have a wife or family as shall not exceed $25, and all
ment are to be paid in full to the amount of $100, before benefits allowed by any association of persons in this
the general liabilities of the debtor are paid .
State toward the support of its members, incapacitated
ATTACHMENT is served by attaching goods or lands of
by sickness or infirmity, shall be exempted from for
defendant, or, if none be found, by attaching the per eign
attachment or execution, provided that in suits
son
when
liable.
Non
-resident
plaintiff
must
furnish
brought to recover any debt for house rent, provisions,
bond for costs. Goods concealed in hands of agents,
wearing apparel or fuel, $ 10 only shall be exempted ,
or debts due to the defendant, are reached by foreign and no exemptionallowed for debts for personal board
attachment, which takes the place of garnishment. No furnished
for the debtor or his family. Minors' wages
assignment of future earnings will prevent their at to amount of $ 10 exempt, but no exemption when debt
tachment when earned unless made to secure a bona is for personal board or necessaries furnished minor
fide debt, due at the date of such assignment, the Or parents of said minor. [Public Acts, 1880 , p .
amount of which shall be stated therein as nearly as 540.)
possible, nor unless the term for which they are
INTEREST. Legal rate, six per cent.; no penalty for
assigned shall be definitely limited in the assignment, usury .
nor unless recorded , before such attachment in the
JUDGMENTS carry six per cent. interest, but are not
Town Clerk's office in the town where the assignor liens, and execution may be had at any time during the
resides, or if he reside without the State in the town life of hoth parties. Judgment may be obtained with
where the employer resides and a copy left with the in the first three days of term to which suit is brought,
unless debtor makes reasonable defense. Certificate of
employer. (Public Acts, 1878 , p . 263.1
COURTS . ì'erms and jurisdiction . Superior Court judgment may be recorded by judgment creditor or his
holds from two to four terms per year in each county assignee in town clerk's office, and such judgment from

COMMERCIAL LAWS.

the time of filing such certificate shall constitute a lien
upon the real estate described in such certificate, and if
such lien be placed upon real estate attached in the suit
upon which such judgment was predicated and within
four months after such judgment was rendered , it shall
hold from the date of such attachment. Such lien may
be foreclosed or redeemed in the same manner as mort
gages upon the same estate. [ Public Acts 1878, page
293.]
LIMITATIONS To Suits. Open accounts and contracts
not under seal , six years ; instruments in writing and
promissory notes not negotiable, seventeen years ; ex
press contracts not specified, apd of which there is no
written memorandum , three years. C'sual exceptions
in favor of married women , minors, lunatics, and those
imprisoned . The time during which the party against
whom there may be such cause of action shall be with
out the State, shall be excluded from the computation.
Title
to real
estate by adverse possession may be gained
fifteen
years.
in
MARRIED WOMEN. By a law passed in 1877, neither
husband nor wife shall acquire any interest in the
estate of the other by force of a marriage contracted
subsequent to April 20, 1877, except as to the share of
the survivor in the property of the other; and in such a
marriage, the separate earnings of the wife shall be her
sole property, and the wife shall have power to make
contracts with third persons, and to convey to them her
real or personal estate in the same manner as if she
were unmarried . All her property shall be liable to be
taken for her debts in the same manner and to the same
extent as if she was unmarried - except that the prop
erty of the husband , when found, shall be first applied
to satisfy liabilities incurred for the support of the
family. On the death of the husband or wife, the sur
vivor, (except where by a written contract made before
marriage, or after, either party has received from the
other what was intended as a provision in lieu of the
statutory share ) shall be entitled to the use for life of
one-third in value of all the property, real or personal ,
owned by the other at the time of his or her decease,
after the payment of all debts and charges allowed
against the estate. The right to such third can not be
defeated by will. Where there is no will the survivor
shall take such third absolutely , and if there are no
children, shall take one-half absolutely
In cases of marriages contracted prior to April 20,
1877, the husband and wife may enter into a written
contract for the mutual abandonment of all rights of
either in the property of the other under previous
statutes, or at common law, and for the acceptance in
stead thereof of the rights given by act of 1877, and
when such contract is recorded in the Probate Court of
the district and the Town Clerk's office in the town
where they reside, the provisions of act of 1877 shall
apply to such marriages.
In ° marriages contracted prior to April 20, 1877, the
wife remains under the same disabilities as before
the law of 1877 was passed, ( unless written contract
is made and recorded as above mentioned ),that is, her
husband must join her in all conveyances of her estate,
and an action can be sustained against her only for
torts committed by her and upon contracts made by
her, upon her personal credit, and for the benefit of
herself, her family or her joint or separate estate.
Contracts which by express agreement charge estate
held to her sole and separate use may be enforced
against such estate . Her property is not liable for her
husband's debts nor can his interest in her estate be
taken for his debts. Any married woman may make a
will subject to the marital rights of her husband.
Dower exists only in real estate of which the hus
band was seized at his death .
The husband acquires a right to the use of all the
land of his wife during her life, and if he has a child

by her, and survives her, then during his own life as
tenant by curtesy.
Personal property of any woman married sicce
June 22d , 1849, and before April 20, 1877, vests in her
husband as trustee, to use the income during his life ,
subject to the duty of expending what may be neces
sary of such income for the support of his wife during
her life and of their children during their minority, and
of expending any part of the principal that may be
necessary for the support of the wife, or otherwise
with her written assent .
Upon the death of the husband the remainder to be
transferred to the wife if living, otherwise as the wife
may by will have directed, or in default of such will, to
those entitled by law to succeed to her intestate estate.
By a law passed in 1878, all property thereafter ac
quired by any married woman shall be held by her to
her sole and separate use.
MORTGAGES of real estate are executed, acknowl
edged and recorded in the same manner as deeds , and
are foreclosed by bill in equity. The equity of redemp
tion exists for a limited time fixed by the court (usual
ly from two to six months ). Chattel mortgages to be
good against third parties, where the mortgagor retains
possession, must be executed, acknowledged and re
corded as mortgages of land , and can only be made of
the following described personal property - with or
without the real estate in which the same is situated or
used - namely : machinery, engines or implements sit
uated and used in any manufacturing or mechanical
establishment, machinery, engines, implements , cases ,
types, cuts or plates situated and used in any printing,
publishing or engraving establishment, household fur
niture in a dwelling house used by the owner therein in
housekeeping; hay and tobacco in the leaf in any
building.* Hotel keepers may mortgage the furniture,
fixtures and other personal chattels contained and
used in the hotels occupied by them or employed in
connection therewith . Chattel mortgages are fore
closed by sale under order of court .
NOTES AND BILLS OF EXCHANGE. No days of grace,
unless specified , are allowed on non -negotiable notes,
or on paper payable at sight or on demand. Promis
sory notes, made payable to order or bearer, for the
payment of money, alone are negotiable. A negotiable
promissory note payable on demand is regarded as
dishonored if unpaid four months after date. Demand
and reasonable notice are necessary to bind indoreers.
Notes or bills falling due upon any holiday,to wit : 1st
of January , 22d of February, 30th of May, 4th of July,
December 25th, Thanksgiving, or Fast Day, are pre
sentable for payment or acceptance on the secular day
next preceding such holiday. Damages for protested
bills, foreign , are from two to eight per cent. , according
to location of State where protested.
Suits. Process in civil actions is by summons or
attachment . All processes before the Superior Court,
District Court, or Court of Common Pleas, must be
served at least twelve days before the session of the
court; in Court of Common Pleas for New Haven
county, where defendants reside in town of New
Haven , service made six days inclusive before the ses
sion of the court is sufficient; before a Justice, six
days . Where there is process of garnishment, gar
nishee must be served with copy of writ twelve days '
before session of the court , whether Justice or other
court .
Taxes . Land may be sold for delinquent to xes after
due advertising, only so much being sold as is neres
sary to pay taxesand costs. Owner has one year in
which to rideem ,by paying the purchase money, with
twelve per cent. interest . Any mortgagee or creditor
of the owner may redeem within the year, and may hold
the estate as security for the purchase money and in
terest as aforesaid .

DAKOTA.
ACKNOWLEDGMENTS of deeds or instruments within
the Territory may be made before a Justice or Clerk of
the Supreme Court, and within the judicial district,
county subdivision, or city for which the officer was
elected or appointed, before the Judge or Clerk of any
court of record, Mayor, Justice of the Peace, Register
of Deeds, or Notary Public . If without the Territory,
before any Judge or Clerk of a court of record of the
United States, or any State or Territory, Notary Public
or Commissioner of Deeds . In foreign countries, be
fore a Minister, Commissioner, Diplomatic or Consular
Agent of the United States , or a Judge or Notary Public
of said country: Letters patent from the United States
and final Receiver's receipts from the United States

Land Offices may be recorded without acknowledg
ment or further proof.
ASSIGNMENTS AND INSOLVENCY. Insolvent debtor
may in good faith make assignment in trust for benefit
of creditors which may provide for any subsisting lia
bility of the assignor, whether absolute or contingent .
Such assignment is subject to provisions of the code
relative to trusts and fraudulent transfers. Any debtor
may make assignment, with or without consent of cred
itors, and be thereby discharged from all his debts and
liabilities .
ATTACHMENT process is sues at the time of granting
the summons or at any time afterward in actions on
contracts for the recovery of money only, or for wrong

COMMERCIAL LAWS.

ſul conversion of personal property, against a foreign tracts or obligations, six years ; on sealed instruments,
corporation or pon -resident detendant, or when defend judgments or decrees of any court, and in real actions,
ant hasa bscouded or concealed himse f, or has assigned, twenty years.
disposed of, or secreted his property, or is aboutto do
MARRIED WOMEN retain their own real and personal
so with intent to defraud creditors. Plaintiff must property, and may make contracts, sue and be sued
make affidavit and furnish bond in not less than $ 259 as if sole. Neither husband nor wife has any interest
and equal to the amount specified in District Courts, in the property of the other . Dower and curtesy are
and at least $50 and not exceeding $ 300 in Justice's abolished .
MORTGAGES of realty must be in writing, with the
Courts. Reas and personal property, debts, moneys,
credits and hank-potes may be attached, but there is formalities required in case of a grant of real estate.
no process of garnishment.
Wife
need not join except in mortgage of homestead .
COURTS. Terms and Jurisdiction . District Courts It containing
power of sale, may be foreclosed by adver
have exclusive chancery and common law jurisdiction tisement without intervention of court . Mortgagee
above $ 100, and where title to real property is con has possession of the premises during the year of re
cerned . l ourts sit twice a year in nearly all the demption after sale. Chattel mortgages are void as
counties, Probate Courts hold six terms a year, and against creditors and subsequent purchasers in good
are always open for business. Justice's jurisdiction , faith unless recorded within the county .
NOTES AND BILLS OF EXCHANGE . Three days of
$ 100. District Courts have also concurrent jurisdic
tion with Justice's Courts for sums less than $ 100.
grace allowed on all bills of exchange or sight drafts,
EXEMPTIONS. Homestead ; one acre if within a town whether foreign or domestic, and on ail promissory
plat and 160 acres if not, with house and appurtenances, notes, bills of exchange and drafts , on the face of which
unlimited in value . Exemption is absolute except time is specified , and notes on demand for payment of
as to taxes, mechanics ' lien for work on the home same. Acceptances must be in writing by the drawee
stead, and debts created for the purchase thereof. Per or an acceptor for honor. To hold indorser the instiu
sonal property exempt, $ 1,500, besides wearing appar ment must be presented on the day of maturity, and
el, books $100, provisions for one year, family pic notice of dishonor given . Damages are allowed in fa
tures , etc.
vor of holders for value on bills of exchange drawn or
EXECUTIONS issue as of course at any time within negotiated within the Territory and protested for non
five years after judgment, and must be returned with acceptance or non -payment. Apparent maturity of a
in sixty days. Lands levied on need not be appraised, non -interest bearing sight or demand note is ten
but notice of sale must be given . Same provisions ap days after date, in addition to the time required for
ply in Justice's Courts . There is no stay law , and exe transmission ; on interest-bearing notes, one year
cution can only be stayed by order of the court for from date.
Suits . Actions in courts of record are commenced by
irregularity
injunction
, or byexecution
appeal with
given
. Real, by
estate
sold under
maysecurity
be re summons, and service may be made by notice, or, if de
deemed within oneyear.
fendant is non-resident, by publication. All civil ac
INTEREST. Legal rate seven per cent . , but parties țions must be prosecuted in the name of the real party
may contract in writing for twelve per cent . Usury in interest.
forfeits all interest. Interest on open accounts runs
TAXES become due and payable on the first day of
from date of last item charged, whether debit or credit. October, and delinquent on the first Monday of Febru
ary following, and draw ten per cent. interest, to which
Legal rate allowed on judgments .
JUDGMENTS of courts of record or Justice's Courts five per cent. penalty is added on the amount unpaid
are a lien on all real estate except the homestead for and one per cent. permonth thereafter until paid , these
ten years from time such judgment is docketed in the penalties being added on the first day of each month .
Clerk's office of the county where the land is situated . Lands are sold on first Monday in September follow
In courts of record may be obtained within thirty days ing, and may be redeemed within two years, by pay
after service of summons and complaint; in Justice's ment of purchase money and interest at the rate of
Courts, four days, where no defense is interposed.
thirty per cent. per annum and all iaxes (subsequently
LIMITATIONS. Personal actions, two years ; on con paid .

DELAWARE .
ACKNOWLEDGMENTS of deeds in foreign countries
may be taken before any Consular or Commercial Agent
of the United States, and in other States and Territo
ries before any Commissioner of Deeds for Delaware,
whose seal must be engraved so as to show the date of
his appointment and term , or before a Judge of any of
the Federal Courts ; or of a court of record of any State,
Territory, or county ; or the Mayor of any city. One
witness is necessary to a deed.
ASSIGNMENTS AND INSOLVENCY . There is a domes
tic insolvent law , providing for a full surrender and
equal distribution of all property, but it is very seldom
used, and there is no provision in the Act for the dis
charge of the debtor upon his making an assignment,
The assignee must file a schedule of property assigned
within thirty days , and two appraisers are then ap
pointed by the Chancellor. Assiguments must be for
benefit of all creditors alike.
ATTACHMENT. Foreign attachment may issue against
foreign corporations and against a person not an in
habitant ofthe State, and domestic attachments may
issue when the debtor can not be found ; in both cases
nipon an affidavit of the creditor or some credible per
son for him , setting forth the above facts . No capias
may be issued against the body of any debtor, until an
exec
isfied.ution against his goods has been returned unsat
COURTS. Terms and Jurisdiction . The different
Courts of the State are as follows :
Court of Error and Appeals. Regular term at Dover,
Second Tuesday in June.
Court of Chancery– Regular Terms - New Castle coun
ty at New Castle, on the third Monday in February and
first Monday in September.
Kent County at Dover, first Tuesday after the fourth
Monday in March, and fourth Monday in September.
Sussex County at Georgetown; second Monday in
March , and third Monday in September.
Orpbans ' Court - Terms are identical with those of
the Court of Chancery .

Superior Court, Oyer and Terminer and Court of
General Sessions of the Peace and Jail Delivery.
Jurisdiction - The Superior Court has jurisdiction in
all civil causes .
Regular Terms-Kent, fourth Monday in April and
October.
Sussex - Second Monday in April and October .
New Castle-Second Monday after commencement of
April term in Kent, and fourth Monday in November.
Justice's jurisdiction, $ 100.
EXECUTIONS are a lien upon personalty from the time
the Sheriff receives the writ, if actual levy be made
within sixty days thereafter. Lien remains in force
three years. Sale is made thirty days after levy , and after
exbaustion of personalty inquisition is held on lands .
There is no redemption on property sold under execu
tion or mortgage . Siay of six months is granted in
courts of record, upon judgments recorded, for want of
affidavit of defense, provided security, be given within
twenty days after judgment. In Magistrate's or Jus
tice's courts six months stay, upon defendant pleading
h s freehold ; nine months, upon his giving si curity.
EXEMPTIUNS. No homestead law . Family piciures,
Bible , and library ; lot in burial ground and pew in
church ; all wearing apparel, and tools not to exceed
$75. In addition , debtor, where head of a family, muy
claim $ 200 of personal property.
INTEREST . The legal rate is six per cent., and the
penalty for usury is forfeiture of the entire sum .
JUDGMENTS of courts of record are a lien on real
estate of defendant within the county , from time of
cntry. Foreign judgments have no forcu except as
evidence, and new suits must be brought. Judginents
in courts of record may, in absence of defendant, be
recovered at first term after suit is brought, and, in
Justice's
, immediately upon return of summons,
afier propCourts
proof of claim .
LIMITATIONS TO SUITs . Open accounts ard contracts
not in writing, three years ; contracts in writing, six
year:; sealed instruments, judgments , decrees and

COMMERCIAL LAWS.

real actions, twenty years. Revivor : Direct acknowl
edgment or distinct admission of the debt. Claims
against deceased persons. One year from the date of the
grantingof letters is allowed for the settling of the es
tate. The proofs of claims by residents and non
residents are the same. Upon giving the requisite
security within the State , a non-resident may act as
executor or administrator.
MARRIED WOMEN retain their real and personal prop
erty owned at marriage (where married since April 9,
1873) or received from any person other than the hus
band . May receive wages fortheir personal labor, and
prosecute and defend suits for preservation and pro
tection of their own property, as if unmarried, and the
rents, issues and profits of their separateestate are not
controllable by the husband. Dower : The widow is
entitled to one-third part of all the lands and tenements
whereof her husband was seized at any timeduring her
marriage, unless she shall have relinquished such
right for and during the term of her natural life. If her
husband die without issue or the children of issue, she
takes a moiety instead of a third part of the real estate.
A married woman of the age of twenty -one and up
wards may dispose of her property , both realand person
al, by will, provided her husband give his consent under
his hand and seal , in the presence of two witnesses.
Two or more witnesses are necessary for a will.
MECHANICS ' LIEN LAW . Any persou who has fur
nished material or performed work to an amount ex
ceeding twenty-five dollars may obtain a lien . Claim
may be filed within six months from the completion of
the building.
MORTGAGES are executed and acknowledged in the
same manner as deeds. They contaiu no power of sale ,
and are foreclosed by intervention of a court. There is
no redemption of property sold on execution or mort
gage . Chattel mortgages are a valid lien for three
years when recorded within ten davs after acknowl
edgment. Deeds must be recorded within one ear

DISTRICT

after the sealing or delivery thereof. A scroll answers
for a seal, and one witness is sufficient to a deed . A
husband should join in a conveyance of his wife's
property in order to bar his right as tenant by curtesy.
The certificate of acknowledgment must show that the
wife relinquishes her dower.
NOTES AND BILLS OF EXCHANGE . All checks, notes,
drafts, or foreigu or inland bills of exchange, payable
without time, or at sight, are due and payable on pre
sentation , without grace. But grace is allowed (three
days ) on all paper payable at a different time from its
date, or upon a particular day named . To hold in
dorser, note must be duly presented and notice of dis
honor given to indorser. When due on February 22,
July 4, and Christmas day, must be presented on pre
vious day.
Suit may be commenced by capias, summons, and
( where defendant is non -resident) by a'tachment of
property. Summons in Justice's Courts may be issued
forthwith, and are returnable within fifteen days from
date of issue. In Superior Court the summons must
be served personally on debtor befor . court sits, or by
leaving a copy of the summons at his u-ual place of
abode, in presence of some white adult person , six days
before court sits. Service by publication allowed in
the Court of Chancery only.
TAXEs not paid within ten days after demand, may
be collected by distress and sale of personalty, on ten
days ' notice. Tenant's personal property may be sold
for taxes delinquent on the land, or where landlord is
non-resident or a minor, and if not thus collectable ,
land may be sold. The owner, or his legal representa
tives , may redeem within two years , on payment of
purchase money and twenty per cent.'interesi.
REVISION. The Revised Code was adopted 1852; re
published, with amendments, 1874. Reports: Har
ringion's reports, five volumes : Houston's. four
volumes. Practice is under the common law modified
by statute.

OF COLUMBIA .

ACKNOWLEDGMENTs in the United States and Terri
toriesmay be taken before the Judge of any court of
record of the United States, State or Territory , any
Justice of the Peace , Notary Public , or Coinmissioner
of Deeds . In foreign countries, before any Judge or
Chancellor, Master in Chancery. Notary Public , or
Diplomatic'or Consular officer of the United States .
ASSIGNMENTS AND INSOLVENCY. No insolvent laws
in force. No assignment made by any person who at
the time thereof is beyond the limits of the District, is
valid until assignee gives approved bond to pay all
debts due by assignor at time of assignment, to resi
dents of the District. to the extent of the funds received
by the assignee under such assignment.
ATTACHMENT process may be obtained in any ac
tion for debt where defendant is non -resident, evades
process, or is removing or concealing property, but
creditor's affidavit must be supported by the testimony
of at least one witness who can swear to the facts
of his own knowledge. Creditor must also give se
cured bond for all costs and damages which may accrue
by reason of wrongful suing out of attachmens. De
fendant, or his attorney, may file affidavit traversing
that of plaintiff, and the issue will be tried by a Judze
in chambers, on three days' notice. Garnishment
process is governed by the same rules. No person can
beCOURTS
held to. bail
in aand
civil
suit , or imprisoned
for Court
debt.
District
Jurisdiction.
Terms
holds term on first Mondays in June and December;
a year, with special terms
Circuit Courts three times
each month , except August. Supreme Court holds
three general terms yearly, and has general jurisdiction
in law and equity. There is a court having probate ju
risdiction, from which appeals lie to the Circuit Court.
Justice's Courts have exclusive jurisdiction up to $50,
and concurrent jurisdiction with the Circuit Courts up
to $100.
EXECUTIONS issue forthwith , unless motion is made
to vacate or set aside judgment, or appeal is taken . To
stay execution , appellant must give secured bond for
amount of judgment. No redemption of property sold
under execution .
EXEMPTIONS . No homestead law . Personal property
exempt, except for servants or laborers' wages due,
includes : Weiring apparel; household furniture to
the value of $ 300 ; provisions and fuel for three months ;
mechanics tools, or implements of any trade, to the

value of $200, with stock to the same amount; the li
brary or implements of a professional man or artist, to
the value of $300 ; a farmer's team and other utensils
to the value of $ 100 ; family pictures and library to the
value of $ 400 . Under an Act approved June 19 , 1878,
the earning : (not to exceed $ 100 per month ) of all actual
residents of the District, who are married or supporting
their families within said District, are exempt from at
tachment, levy , seizure or sale under process . This
Act does not apply to debts, contracts , notes or judg
ments existing at the time of its passage .
INTEREST. Legal rate, six per cent. Parties may
stipulate in writing for ten per cent. Usury forfeits all
interest, and if more than the legal rate be paid , the
interest may be recovered by suit brought with
whole
in one year.
JUDGMENTS of Supreme Court are liens on real estate
from date of rendition , and on personalty from issue of
execution . Such liens must be enforced within twelve
years, but may be revived by scire facias . Judgments
of Justice's Courts are not liens on real estate until
after return nulla bona, and filing of judgment in Su
preme Court.
LIMITATIONS TO Suits. Actions ofaccount, or simple
contract, note or book account,or debt not of specialty,
detinue, replevin , and trespass, must be brought with
in three years ; on specialties, twelve years . Deeds of
trust are not barred until after twenty years . Persons
under legal disabilities have time after removal of such
disabilities, in which to commence suit .
MARRIED WOMEN retain their separate estate, owned
at time of marriage, or acquired thereafter in any man
ner otherwise than by gift or conveyance from the
husband, as absolutely as if unmarried. Any married
woman may contract and sue and be sued in her own
name, in all matters relating to her sole and separate
property , but those only, in the same manner as if she
were unmarried ; but neither her husband nor his prop
erty shall be hound by any such contract, nor be liable
for any recovery against her in any suit. Execution of
judgment may be enforced against her separate estate.
The earrings of a married woman are the property of
her husband.
MORTGAGES are almost unknown, their place being
taken by deeds of trust conferring power on trustee to
sell property on default of payment of the debt or inter
est . Wife must join in deed of trust on real estate in

COMMERCIAL LAWS.
order to convey her dower. Deeds of trust on real estate
take effect, as to third parties, from the date of their
record . Chattel deeds of trust must be recorded with
in twenty days from the date of their execution . Wife
must join in such deeds in order to convey exempted
property .
NOTES AND BILLS OF EXCHANGE. No grace allowed
on sight drafts; three days on all other commercial
paper .

SUITS. Actions are begun by filing bill , petition .
declaration, or information , and depositing $ 10 for
costs. First Tuesday of every month is return day and
appearance day for parties . " To obtain a judgment at
law by default on any rule day, declaration, supported
by aftidavit, must be filed, and process served at least
twenty days before such rule day ."

FLORIDA .

ACKNOWLEDGMENTS. Deeds to freehold, or interest
therein for a term of over two years, must be in writing,
sealed and delivered in the presence of two witnesses.
Transfers, re -grants and releases subject to same rules.
In case a deed, mortgage or other instrument shall be
executed in another State, the acknowledgment may
be made before any Judge or Clerk of a court of record,
Notary Public, Justice of the Peace , or other officer
authorized by the laws of such State to take acknowl
edgment of deeds therein .
ASSIGNMENTS AND INSOLVENCY. No laws relating to
insolvency. Debtors may assign their property with
or without preference.
ATTACHMENT process may issue upon affidavit
made before the proper officer, setting forth amount
actually due; that plaintiff has reason to believe de
fendant will fraudulently part with his property before
judgment can be obtained, or is actually removing his
property, etc. Plaintiff must give bond, with two
securities, in at least double the debt or sum demanded .
No arrest allowed in civil actions, and no imprison
ment for debt except in case of fraud . Garnishee
process issues on judgment rendered. Writs of gar
nishment may also be issued at commencement of suit
or at any time afterward, provided the plaintiff, his
agent or attorney, will make affidavit that he does not
believe the defendant will have in his possession ,
within the State and county, property subject to execu
tion sufficient to satisfy the judgment he expects to
obtain .
Courts. Circuit Courts hold two terms a year in
each county, and have original jurisdiction in all equity
cases, also in all cases at law involving over $ 100.
County Courts holding regular terms on the second
Tuesday
in each month , and at all times open for pro .
bate business, have full probate powers. Justice's
jurisdiction, $ 100; terms held once a month .
EXECUTIONS are returnable when satisfied, Sheriff
reporting progress at each term. Sale day first Mon
day in each month. No stay law. No redemption on
property sold under execution.
EXEMPTIONS. Homestead of 160 acres of land, and
improvements, if in the country ; a residence and one
half acre of ground, if in a village or city , together
with $ 1,000 worth of personal property. No property
is exempt from sale for taxes , or for obligations con
tracted for its purchase, or the erection of improve
ments thereon . The wages of every laborer who is

the head of a family residing in the State, are exempt
from attachment.
INTEREST. Legal rate eight per cent., which rate is
allowed on judgments and contracts where interest is
payable but no rate is specified . All usury laws have
been repealed , and any rate may be contracted for .
JUDGMENTs are a lien upon real estate of debtor with
in the county , and may be extended to other counties
by recording
LIMITATIONS TO SUITS . Open accounts and verbal
contracts , three years ; contracts in writing not under
seal, five years ; judgments or decrees ofRevivor
any court,Only
and
instruments under seal, twenty years .
:
by new promise in writing.
Married Women retain their property, real or per
sonal, owned at marriage or acquired thereafter by gift ,
devise, descent, or purchase , free from control of the
husband, and not liable for his debts. Said property
must be inventoried and recorded in the Circuit Court
Clerk's office of the county, within six months of the
marriage or subsequent acquirement of the property .
Husband must join in all sales, transfers and convey
ances of the wife's property, real and personal. Widow
takes dower in a life estate in one-third part of the real
estate of which her husband was seized and possessed
during her coverture , and an absolute one
at any time personalty
third of all
.
MORTGAGES must be proved and acknowledged in
the same manner as deeds, and , to be effectnal against
, must he recorded .
by hide in
purchasers
equity or petition to the Cir
Are
Court. Chattel mortgages
cuit foreclosed
must be recorded, un
less property is delivered to mortgagee within twenty
days, and remains in his possession.
Notes AND BILLS OF EXCHANGE governed by the
mercantile law ; no statutes in force . Five per cent.
damages is allowed on foreign commercial paper pro
tested in this State .
SUITS. Actions at law are commenced by filing a
precipe with the Clerk . Actual service is required ex
cept in suits by attachment. Writs are returnable on
the next rule day, provided ten days intervene; if not,
then on the rule day in the next succeeding month. If
no appearance of defendant default is entered forthwith .
TAXES. Lands sold for taxes may be redeemed with
, with
in one year, by payment of the purchase
interest at the rate of filty per cent . per annum , and
fifty cents redemption fees .

GEORGIA.
ACKNOWLEDGMENTS may be taken within the State
by a Judge or Clerk of a court of record, Commissioner
of Deeds, Justice of the Peace, or Notary Public. In
other States or Territories, by a Commissioner of
Deeds for Georgia, or Judge of court of record ; in
the State where executed , with a certificate of the
Clerk, under the seal of such Court, of the genuineness.
of the signature of such Judge; and in foreign coun
tries by a Consul or Vice- Consul of the United States .
Deeds to realty should be attested by two witnesses.
ASSIGNMENTS AND INSOLVENCY. No insolvent law.
A debtor may prefer one creditor to another, and may
create a bona fide lien , by mortgage or other legal
means, may sell in payment of the debt, or transfer
papers as collateral security. But every assignment
made by a debtor insolvent at the time, either in trust
or in behalf of creditors, is fraudulent, and null and void,
when any trust or benefit is reserved to the assignor, or
any person for him . There is no imprisonmentfor debt.
ATTACHMENT process may issue when defendant
resides out of the State,is about to remove without the
limits of the county , absconds, conceals himself, or
resists legal arrest , attempts to remove property be
yond the State, or fraudulently disposes of property,
or shall threaten or prepare so to do, or creates a
fraudulent lien thereon. Attachment lies at any time
to recover purchase money when due, when the prop

erty purchasedremains in the possession of the debtor,
or of any one holding the same for the benefit of the
debtor, or in fraud , against the creditor. Plaintiff must
file bond in double the amount involved. First attach
ment levied has priority. Garnishment issues in aid of
attachment or judgment , but journeymen mechanics
and laborers are exempt from garuishment on their
daily, weekly or monthly wages. The maker of nego
tiable paper in the hands of plaintiff's debtor, is liable
to a garnishment.
COURts. Terms and Jurisdiction. SuperiorCourt sits
in each county twice a year, and has original jurisdic
tion in law and equity, except in probate matters,
which are passed upon by the Courts of Ordinary,
which hold terms on the first Monday of each month .
Justice's jurisdiction, $ 100.
EXECUTIONS may issue at any time after judgment
is signed and filed and may be levied at once, and are
returnable at thenextterm of court. Stay of sixty days
may be had by giving bond and security . In Justice's
Courts stay is sixty days where over $ 30 are involved ;
forty days, below that sum. Property must be advertised
once a week , for four weeks, before sale. No redemp
tion of property sold under execution except for tax,
when owner may redeem within one year .
EXEMPTIONS. The Constitution of 1877 provides that
there “ shall be exempt from levy and sale, by virtue of

COMMERCIAL LAWS.

any process whatever under the laws of this State,
exceptas hereinafter excepted, of the propertyof every
head of a family , or guardian, or trustee of a family of
minor children , or every aged or infirm person , or per
son having the care and support of dependent females
of any age, who is not the head of a family, realty or
personalty , or both , to the value in the aggregate of
$ 1,600." The exceptions are for taxes, purchase money
of the homestead, labor done thereon or material for
nished therefor, or for the removal of incumbrances.
The debtor has power to waive or renounce in writing
the right of redemption thus provided ,except as to
wearing apparel, aud not exceeding $ 300 worth of
household and kitchen furniture,and provisions to be se
lected by himself and his wife, if any ; and he shall not,
after it is set apart, alienate or encumber the property
so exempted, but it may be sold by the debtor, and his
wite, if any, jointly, with the sanction of the Judge of
the Superior Court of the county where the debtor re
sides , or the land is situated, the proceeds to be rein
vested upon the same uses.
INTEREST. Legal rate is seven per cent. , but contracts
in writing may be made up to eight per cent. Usury
forfeits the interest and excess charged . Judgments
bear lawful interest.
JUDGMENTS are liens from their date , on all real and
personal property of the debtor not specially exempted ,
except promissory notes in hands of defendant. Stocks
in incorporated companies are made specially liable by
statute. Judgments are rendered only at second term
of Superior Court, and in the City Court of Savannah at
first term . Judgments become dormant in seven years,
if no execution isissued upon them ,butmay berevived
by proceedings within three years from the time they
become dormant.
LIMITATIONS OF Sưits. Open accounts and contracts
not in writing, four years ; contractsin writing not
under seal , six years; bonds and instruments under
seal, twenty years; foreign judgments, five years. Re
vivor: New promise in writing, or payment on note
indorsed by debtor. Debts and contracts made, and
judgments obtained outside the State prior to June 1 ,
1865, are barred, unless suit was brought to collect or
enforce the same by or before January 1, 1870. Adverse
possession of land for twenty years gives good title by
prescription , ( xcept against the State, and persons
under disability; and adverse possession for seven
years, under written evidence of title, gives like title
by prescription , unless the title be forged or fraudu
lent. A like title to personalty is acquired by four years
adverse possession .
MARRIED WOMEN . All property of the wife in pos
session at the time of marriage, or afterwards acquired
by her, is her separate property, and not liable for the
payment of any debts , defaults or contracts of the
husband . Wife can not bind her separate estate by any
contract of suretyship, whether in behalf of her hus
band or any other person. The wife, by consent of her

husband , published for one month in a newspaper, may
become a free trader, in which event she is liable as a
teme sole. Widow takes dower in one -third of all the
lands of which her husband was seized at his death.
MORTGAGES pass no title, and are simply a security
for a debt . Must be executed and proved before a
Notary Public, Justice, or Clerk of the Superior Court,
and recorded within one month . Mortgages on realty
require one witness besides the attesting officer.
NOTES AND BILLS OF EXCHANGE. No days of grace
are allowed on sight papers. It is not necessary to
protest any commercial paper in this State, for non
payment, in order to bind the endorser, except in the
following cases : 1st. When a paper is made payable
on its face at a bank or banker's office . 2d . When it
is discounted at a bank or banker's office. 3d. When
it is left at a bank or banker's office for collection. And
in all such cases days of grace must be allowed . The
last day of grace is the day of maturity. Accommoda
tion indorsers are sureties, and indorsers may be sued
in the same county and action wlth the maker, drawer,
or acceptor. A recent statute provides that the 1st day
of January, 22d of February , 26th of April, 4th of July,
25th of December, and any day appointed by the Gov
ernor of the State, President of the United States, or
the civil authorities of any city, as a fast day or thanks
giving day, held and considered as Sunday, for all
purposes connected with presenting for acceptance or
payment, and protesting and giving notice of dishonor
of any bill of exchange, draft, note, check or order,
made after February 28. 1876, which, but for this Act
(passed as above ), would fall due and payable on any
of the days herein mentioned, shall, when said days
fall on Sunday, become due and payable on the Sat
urday before, and paper falling due on Monday shall
be payable on Tuesday following. If a holiday fall on
Saturday, paper due on Sunday payable on Monday.
If holiday fall on Monday, paper due that day is payable
on Tuesday .
Suits. Actions at law must be brought twenty days
before the term of court at which they are returnable,
except suits in Justice's Courts for less than $ 100, when
fifteen days suffice . Bills in equity must be filed thirty
days before return term . Claims sent to this State for
collection should be accompanied by full name of each
plaintiff, if a partnership , or legal style of a corpora
tion, if plaintiff be such . Accounts and unliquidated
demands should be itemized . It is unnecessary to ac
company accounts sent to this State with attidavits of
correctness . Such affidavits are useless to attorneys in
collecting
TAXES . Owners of wild lands are required to make
returns, and sales of lands for delinquent taxes may be
made after sixty days' notice by newspaper publication.
Such lands may be redeemed within two years, by pay
mont of purchase money and costs, with interest at ten
per cent. per annum . On other lands the time allowed
for redemption is one year only.

IDAHO .
ACKNOWLEDGMENTS of conveyances of real estate
may be taken within the Territory by any Judge or
Clerk of a court having a seal, or any Justice or No
tary Public. Elsewhere within the United States or
Territories, by Judge or Clerk of court of record , or
any Commissioner of Deeds for Idaho. In foreign
countries by a Judge or Clerk of any court having a
seal, a Notary Public, or a Minister, Commissioner or
Consul of the United States, appointed to reside there
in. Witnesses are not required to conveyances, but
every conveyance affecting real estate must be ac .
knowledged or proved and certified.
ASSIGNMENTS AND INSOLVENCY . An insolvent debtor
may be discharged of his debts by executing an assign
ment of all his property, real and personal,which , with
a sworn inventory of property and schedule of credit
ors, must be filed in the District Court. At a creditors '
meeting, held after thirty days ' notice given , one or
more assignees, not exceeding three,are appointed , and
claims proved. Court will set aside property exempt,
and issue order for sale of insolvent's property . Any
creditor may oppose proceedings on the ground of
fraud, and if theallegation beproven , the debtor shall be
forever deprived of the benefit of the insolvent laws .
ATTACHMENT process may issue in actions on con
tracts for the direct payment of money, where no mort
gage or pledge had been given, or where such security,
if given, has been rendered nugatory by act of defend
ant. Plaintiff must urnish bond , with
sufficient
sureties. Garnishment process may issue in aid of at
tachment or execution , and the garnishee must make

answer under oath. Defendant in a civil action for re
covery of money or damages, under a contract, express
or implied, may be arrested, when about to depart from
the Territory with intent to defraud, or when the debt
or obligation was fraudulently contracted.
Courts. Terms and Jurisdiction . District Courts
hold two terms a year in Ada. Boise, Nez Perce, Oneida
and Owyhee counties , and one term annually in other
counties, and bave original jurisdiction in all civil
cases involving over $ 100. Probate Courts are held in
each county once a month, and have concurrent juris
diction up to $ 500, and concurrent jurisdiction with
Justice's Courts in all cases. Justice's jurisdiction,$ 100.
EXECUTIONS issue at any time within five years after
judgment. The only stay is by appeal, with secured
bond. Six months allowed for redemption.
EXEMPTIONS. Homestead , not exceeding $ 5,000, if
duly acknowledged and recorded ; office furniture and
library, $100 ; necessary household and kitchen furni
ture , and provisions for family for three months;
certain farm animals, etc. , with food for three months:
tools and implements of husbaudry up to $ 200 . Libra
ries of professional men , and team used by a laborer or
teamster, are also exempt.
INTEREST. Legal rate, ten per cent.; parties may
agree in writing for 1 % per cent, per month . Penalty
for usury: Three times the amount paid , fine of $ 300
or six months imprisonment, or both .
JUDGMENTS are liens on all real estate of debtor within
the county, from time ofdocketing,and may be extended
to other counties by filing transcript in Recorder's

COMMERCIAL LAWS.
office . Lien continues two years. Justice's Court judg
ments become liens when certified and recorded .
LIMITATIONS TO SUITS. Contracts not in writing, four
years ; instruments in writing, five years ; judgments
and decrees, six years . Revivor : Only by instrument
in writing ; part payment does not.
MARRIED WOMEN , All property, real or personal ,
acquired before marriage and acquired after marriage,
by gift, bequest, devise or descent, wife's separate
property ; all other property acquired after marriage,
common property ; wife must record inventory of sep
arate property. No estate as tenant by curtesy allowed
the husband, nor dower to the wife . Half the commu

nity property goes to the surviving husband or wife ; if
no descendants, survivor takes all.
NOTES AND BILLS OF EXCHANGE . No grace on sight
drafts. Damages for protested bills; domestic, fifteen
per ceni.; foreign , thirty per cent.
Suits. Civil practice is under a code similar to that
of California , and there is but one form of action, com
menced by filing complaint with Clerk of the court.
Where defendant can not be found, service may be had
by publication. Defendant is required to answer the
complaint in ten days after service, if served within the
county; if out of the county, but in the judicial dis
trict , twenty days ; in all other cases , thirty days .

ILLINOIS .
ACKNOWLEDGMENTS of any instruments relating to
the sale, conveyance or other disposition of real estate,
or any interest therein , situate in this State, may be
made before one of the following officers:
First - When acknowledged within this State, before
a Master in Chancery, Notary Public, United States
Commissioner, Circuit or County Clerk, Justice of the
Peace, or any Court of Record having a al, or any
Judge, Justice or Clerk of any such court.
second - When acknowledged in any of the other
States or Territories, or in the District of Columbia, it
may be made in conformity with the laws of the State,
Territory or District where it is made. When such
acknowledgment is made before a Notary Public,
United States Commissioner, Commissioner of deeds,
Mayor of a city, or Clerk of a court, it shall be certified
by such officer under his seal of office . If before a Jus
tice of the Peace, there shall be added a certificate of
the proper Clerk, under the seal of his office, setting
forth that the person before whom such acknowledg
ment was made, was a Justice of the Peace at the time
of making the same.
Acknowledgments of chattel mortgages must be
made before a Justice of the Peace of the town or dis
trict wherein the mortgagor resides; and if the mort
gagor is not a resident of this State at the time of
making the acknowledgment, then before any officer
authorized by law to take acknowledgments of deeds.
ASSIGNMENTS. The County Court has jurisdiction
in all cases of assignment for benefit of creditors.
Assignee must file hond, inventory and valuation and
send notice to creditors , by mail, to present claims
under oath , within three months. Claims not so pre
sented, do not participate in dividends until after the
payment in full of all claims properly presented and
allowed. Assignee is required to make equal divi
dends among creditors at the first term of court after
the three months allowed, and to render a final account
within one year. All preferential assignments
are
void , and all debts must be paid pro rata. Debtor may
be subjected to examination touching his estate. No
provision is made for the discharge of the debtor. By
an act going into effect July 1 , 1879, all proceedings
may be discontinued upon the assent, in writing, of
the debtor
and
amount.and a majority of the creditors in number
ATTACHMENT. The writ may issue ont of courts of
record on claims exceeding $ 20, when the debtor is
non -resident; conceals himselſ, or stands in defiance of
an officer, so that process can not be served on him ;
has departed from this State with the intention of
removing his effects, or if he is about to do so ; where
he has , within two years preceding, fraudulently dis
posed of his property, or a part thereof, so as to hinder
or delay creditors; or where the debt sued on was
fraudulently contracted. But the statements or mat
ters which constitute such fraud must be in writing
with the debtor's signature attached by himself, agent
or attorney. Before the writ can issue, the plaintiff,
his agent or attorney, must make affidavit to one or
more of these facts, and give bond, with approved
security, in double the amount of the claim sued on .
Attachment writs may issue out of Justice's Courts , on
the same grounds, on all claims not exceeding $ 200,
and in County Courts the claim must not exceed $1.000.
Garnishment process may issue on return of execution
unsatisfied, but the wages of any person who is the
head of a family, to the amount of $50, are exempt
therefrom . Arrest on civil process lies only in case of
fraud, on judgments in tort, or on refusal of debtor to
surrender his estate for benefit of creditors .
COURTS. Terms and Jurisdiction . Circuit Courts
have originaljurisdiction of all cases in law and equity
and hold from two to eight terms each year, except
in the County of Cook , which has twelve terms.
Cook County has a Superior Court, with concurrent

jurisdiction with the Circuit Court, and has also a
special Probate Court and a Criminal Court. In all
counties except Cook, County Courts have probate
powers County Courts and Justice's Courts are of
limited jurisdiction , the former having control only of
cases involving $ 1,000 or less, and the latter of any sum
not exceeding $200.
EXECUTIONS will issue immediately after rendition
of judgment and to any county in the State, but are no
lien on real estate in other counties before a levy is
made . Executions issued out of courts of record are
returnable in ninety days; on Justice's judgments
seventy days. Real estate cannot be levied upon or
sold Peace.
by virtue of any execution issued by a Justice of
the
Real estate is , in all cases, sold without
appraisement to the highest bidder ; and if the debtor
so elects, his real estate must be exhausted before his
personal property can be seized under execution
issued out of a court of record. No stay law. In ap
pealed cases the court, to which the appeal is taken,
may assess damages not exceeding ten per cent. against
the appellant if he allows the case to go against him by
default or if the court be satisfied that he appealed only
for the purpose of delay.
Real estate sold under execution may be redeemed
by the defendant within twelve months after the sale,
on payment of the amount it was sold for, with eight
per cent. interest and costs . If he fail to redeem
within such time any one of his decree or judgment
creditors may redeem after that and within fifteen
months from the time of the sale .
EXEMPTIONS. To every householder having a fam
ily, či homestead, valued at $1,000 ; and such exemp
tion continues to the survivor, after the death of the
husband or wife, so long as he or she occupies it, and
to the children until the youngest is twenty -one years
old. In addition , there is also allowed to every person
necessary wearing apparel, bibles school books, fam
ily pictures , and $ 100 worth of other property selected
by the debtor. If the debtor is the head of a family he
is allowed $ 300 worth in addition, to be selec ed by
him But such selection cannot be made from any
money or wages due . Of wages there are $50 exempt
one. who is the head of a family residing with
to
same
theany
No exemption is allowed when the debt is
forINTERES
the wages of laborer or servant .
T Legal rate, six per cent. , but special
agreement may be made for eight per cent. Forfeiture
of all interest is penalty for usury. Six per cent. inter
est is collectible on all instruments in writing after
they become due; on money lent or advanced for the
use of another; on money due on settlement of account,
from day of liquidating account and ascertaining bal
ance ; on money received to the use of another, and
retained without the owner's knowledge ; on money
withheld by unreasonable and vexatious delay, and on
judgments .
JUDGMENTS of courts of record are liens on the real
estate of the party against whom they are obtained,
situated in the county where the court is held, for the
period of seven years; but if execution be not issued
within a year after the rendition of the judgment, it
thereafter ceases to be a lien until an execution is
issued . Judgments rendered at the same term of court,
or on the same day in vacation, stand on the same foot
ing, and neither one has a priority over the other, so
far as liens on the real estate of the defendant are con
cerned. Judgments of Justices of the Peace can reach
only personal property; and neither a Justice's judg
ment nor a judgment of a court of record is a lien on
the personal property of the defendant until after an
execution is placed in the hands of an officer. Judg.
ment may be revived by scire facias at any time within
twenty years. A judgment of a Justice of the Peace
may be made a lien on real estate only by filing a tran
script thereof in the Circuit Court.

COMMERCIAL LAWS.

LIMITATION OF Suits. On unwritten contracts , five
years; bonds, notes and judgments recovered in foreign
States, ten years; real actions and judgments in this
State , twenty years. Revivor : Part payment or new
promise,
MARRIED WOMEN, A married woman may sue and
be sued, possess her own earnings, contract and incur
liabilities, purchase, sell and hold personal property ,
and own and hold real estate to the same extent as an
unmarried woman . Her husband is not liable for her
debts or torts, except in cases where he would be
jointly liable if the marriage did not exist, or for neces
saries. She may not enter into a partnership without
consent of her husband, unless he has abandoned her
or be incapable of giving assent. No transfer of chattels
between busband andwife is valid as against third
parties, unless such transfer is in writing and is ac
knowledged and recorded as chattel mortgages are
required to be acknowledged and recorded. A married
woman may make a will as if sole. Both husband and
wife are liable for family expenses. They can not tes
tify for or against each other, except in a few excep
tional cases. One may make the other his or her
attorney in fact to control or dispose of his or her
property. The estate of curtesy is abolished, and the
a thirdofpart
endowedwasof seized
or wife
husband
surviving
an
deceased
the is
whereof
of
the lands
estate of inheritance at any time during the marriage,
unless relinquished in due form .
MORTGAGES. Mortgages on real estate are executed
and acknowledged the same as deeds, husband or wife
being required to join to bar dower, except in mort
gages , to secure purchase money . Under an act in
force July 1, 1879, no real estate within the State shall
be sold by virtue of any power of sale, contained in
any mortgage, trust deed, or other conveyance in the
nature of a mortgage, executed after the taking effect
of said Act ; but all such mortgages, trust deeds, or
other conveyances in the nature of a mortgage, shall
only be foreclosed in the manner provided for foreclos
ing mortgages containing no power of sale ; and no
real estate shall be sold to satisfy any such mortgage,
tru deed or other conveyance in the nature of a mort
gage, except in pursuance of a judgment or decree of
court of competent jurisdiction .
CHATTEL MORTGAGES are invalid as to third parties,
if given for longer than two years. Neither is it valid
as to third parties, if the property mortgaged is allowed
to remain in the possession of the mortgagor, unless
the mortgage expressly providesthat it shall so remain .
If given on a stock of goods, it is fraudulent as to
third parties, if the mortgagor be allowed to remain in
possession and sell in the usual course of trade. The
property must be described so that it may be identified.
A mortgage cannot be given on goods which are to be
sold and delivered in futuro ; and, if possible, it must

be foreclosed within 24 hours after it is due, else other
creditors may step in and take the property. As be
tween the parties, a chattel mortgage is good, if it is
neither acknowledged nor recorded .
NOTES AND BILLS OF EXCHANGE. Upon bills of
exchange drawn or endorsed within this State, and
payable without the United States, duly protested, ten
per cent. damages are collectible, together with in
terest, costs and charges of protest; and if payable
within the United States , only five per cent. damages,
with interest, costs and charges, can be collected.
Indorsers of a note or bill can not be held liable, un
less due diligence has been used, by institution and
prosecution of suit against the maker thereof, unless
such suit would have been unavailing, or the maker be
out of the State at the time such note or bill became
due. In order to hold a guarantor , suit against the
maker is not necessary. Notes obtained by fraud or
circumvention cannot be collected, even by an inno
cent holder. If any one become the owner of a note,
or any other instrument in writing, after it is due, the
maker thereof can interpose the same defense as
against him , that he might have set up as against the
original holder. No notice of non-payment or protest
is necessary in order to fix the liability or endorsers.
Grace is not allowed on instruments payable at sight,
on demand , or on presentation .
SUITS. All , except local actions, are brought in the
county where defendant resides or is found ; and where
there are several defendants , suit may be brought
where one resides, and process issued to any other
County for the other defendant ; but no judgment will
be rendered against such other defendant unless
plaintiff succeeds in getting judgment against the one
who resides or is found in the county where suit is
brought. Non -resident plaintiffs must give bonds for
costs. Process must be served ten days before the
commencement of return term , and judgment by
default may be rendered on the third day of the term .
In Justice's Courts summons is returnable in not less
than five , nor more than fifteen days, and must be
served at least three days before the return day.
Taxes. State and County taxes are payable after
December 1, and the delinquent list is turned over to
the County Collector on or about March 10, following.
Advertisements of property, on which taxes remain
unpaid, are made after April 1 , and judgment obtained
at May term of County Court. Sales commence on
the fourth Monday after the fourth day of the term at
which judgment is rendered. Redemption may be
made within two years . Penalty is : Within six
months, 25 per cent. interest ; twelve months, 50 per
cent. interest; eighteen months, 75 per cent. interest;
two years , 100 per cent. interest ; together with all
subsequent taxes paid by purchaser , and all costs.

INDIANA .
ACKNOWLEDGMENTS. All conveyances of land must
be in writing, and acknowledged and recorded within
forty- five days from their execution. Within the State
acknowledgments may be taken before a Judge or Clerk
of a court of record , Justice of the Peace, Auditor, Re
corder, Notary Public or Mayor of a city , and in other
States and Territories before the like officers, or a Com
missioner of Deeds for Indiana. In any foreign coun
try, before a Minister, charge d'affaires or Consul of the
United States. Husband must join in deeds to wiſe's
lands
, and wif : in deeds to husband's lands .
ASSIGNM
ENT FOR BENEFIT OF CREDITORS . Any
debtor in embarrassed or failing circumstances, may
make a general assignment of all property in trust for
benefit ofall bona fide creditors. To be valid this must
be by indenture duly signed and acknowledged, and
filed with the Recorder of the county in which assignor
resides, forIndentur
record within ten days after
the executio
thereof.
e to contain full description of realn
estate and be accompanied by schedule of personal
property, and assignor to make oath that the indenture
and schedule contains a full statement of all his prop
erty, etc. Trustee makes oath and files bond in Circuit
Court and must file copy of assignment, etc. , in office of
clerk of that court within fifteen days after execution
of indenture. Trustee named failing to act, court may
appoint a substitute upon petition. The trustee to
make under oath complete inventory of all property
coming to his hands , and file in court within thirty
days after entering upon his trust ; also , cause same to
be appraised by two reputable householders ; set off to
the assignor, if a resident householder, such property

as he may select to the value of six hundred dollars ;
and proceed to collect the rights and credits, and to sell
the property,after giving thirty days' notice of time and
place, at public auction , or at private sale, for cash, or
upon credit , not exceeding two years , subject to ap
proval of the court as to such sales . Dividends are de
clared pro rata upon all claims allowed by trustee or
the court. Trustee's compensation to be fixed by the
court. No provision for discharge of debtor from his
liabilities.
ATTACHMENT may issue against the property of non
residents or foreign corporations, and against all who
have disposed of, or are about to dispose of their
prop
erty, to cheat, hinder or delay creditors. An affidavit
is required, which may be made by the creditor or some
one on his behalf, and a bond to answer damages if the
proceedings are wrongful or oppressive. All creditors
who file under the original attachment, before final
judgment, share pro rata in the proceeds of the
attached property . Defendant, in a civil action may
be arrested and held to bail in double the amount of
debt or damages claimed , at any time before judgment,
on affidavit showing that he is about to leave the
State, taking with him property subject to exe
cution, or money, with intent to defraud the plaintiff.
The wages of a person, not exceeding one month, are
exempt from garnishment or proceedings supplemental
to executiou , so long as such person remains in such
employment. It is a misdemeanor to send claims out of
the State to be collected by proceedings in attachment,
garnishment, or the like , when creditor, debtor, and
person owing for earnings intended to be reached

COMMERCIAL LAWS.
are all within the jurisdiction of the courts of this
State . Courts of this State are prohibited from taking
jurisdiction of such proceedings to reach wages, when
plaintiff and principal defendant are non-residents.
COURTS. Terms and Jurisdiction . The Circuit Court
is the only court of original general civil jurisdiction
in the State, and has full probate powers . From three
to four terms are held annually in each county. Supe
rior Courts, with concurrent jurisdiction with the
Circuit Courts in all civil cases except probate matters,
have been established in Marion, Tippecanoe, Allen ,
Cass, and Vanderberg counties, and hold from four to
ten terms each year. City Courts (which may be es
tablished in all cities having over 6,000 population)
have concurrent jurisdiction with Circuit Courts up to
$ 1,500, except in probate matters, suits for libel, sian
der, or divorce, or where title to real estate is at issue.
Justice's jurisdiction , $200.
EXECUTIONS may issue at any time within ten years
after judgment rendered, and are returnable in 180
days. From a court of record may issue to any county
in the State. Are a lien on personal property within
the countyfrom the time they are placedin hands of
officer. After judgment is rendered, the debtor may,
by giving sufficient freebold sureties, have a stay of
execution on any sum exceeding $ 75, for six months.
Where thesumis less than $75, the stayis not so long.
Lands sold under execution may be redeemed within
one year by the owner, mortgagee or person having a
lien thereon the owner retaining possession during
the redemption year and being liable for reasonable
rents and profits in case of failure to redeem .
EXEMPTIONS. There is no homestead law. Real or
personal property up to $ 600 is exempt where debtor is
à resident householder.
INTEREST. The recent “ Act concerning interest and
1180ry ," approved March 10, 1879, made considerable
changes in the law, which are herein embodied. The
legal rate of interest on loans or forbearance of money,
goods or things in action , is six per cent. as heretofore,
but interest may be taken yearly or for a shorter period
in advance. No agreement to pay a higher rate is valid
unless the same be in writing, and in such case it is
not lawful to contract for more than eight per cent. per
annum . When a greater rate is contracted for, the con
tract is void as to the usurious interest, and in an action
on a contract affected by such usury , whether it be
directly or indirectly charged, all excess over six per
cent. is usurious and illegal, and the excess over the
legal interest may be recouped by the debtor whenever
it has been reserved or paid before the bringing of the
suit. Interest on judgments rendered after March 10,
1879, runs from the date of the verdict or finding, at the
rate specified in the original contract, not exceeding six
per cent., and if no contract has been made, six per
cent. is allowed. The act applies to all contracts made
within the State, although they are to be performed
without it , and where contracts made out of this State
provide for a higher rate of interest, and are secured by
mortgage upon lands within it, such lands are not
liable for a higher rate than is allowed by the laws of
Indiana.
JUDGMENTS of courts of record are a lien upon all
real estate of defendant within the county for ten
years. Judgment may be obtained at the first term of
the court, after process has been served on debtor ten
days prior to the first day thereof. By law of 1877,
plainliff, by indorsement on complaint, can summons
the defendant to appear and answer after service had
ten days, and in default can take judgment, where no
good cause of defense is shown, and it operates as a
lien upon the real estate of the judgment debtor
situated in the county .
LIMITATIONS TO SUITS . Open accounts and contracts
not in writing, six years ; actions not limited by stat
ute, fifteen years; written contracts, judgments of
courts of record and real actions, twenty years. Re
vivor : Part payment or new promise in writing.

MARRIED WOMEN retain their real and personal
property owned by them at time of marriage or ac
quired during coverture. The husband is liable for the
debts of his wife contracted before marriage to the ex
tent of the personal property he may receive from or
through her, or derive from sale or rentof her lands,
and no further, and her lands are liable for such indebt
edness . A married woman can not incumber her sepa
rate lands as security for indebtedness of her husband
or other person . She may devise by will her separate
estate ; may sell and transfer her separate personal
property; carry on any business, labor, or service, and
receive the earnings accruing therefrom ; enter into any
contract in regard to her separate personal estate,
business, labor or service, and her separate estate, real
and personal, be liable therefor, the same as a femesole ;
and her husband is not liable for such debts, uor for
indebtedness created hy the wife for improvement of
her separate real estate . She can make leases of real
estate for terms of three years or less, and execute
mortgages to secure purchase money, without husband
joining . Is bound by covenants of title in conveyances
of her separate real estate . May sue as a feme sole
for any damage to her person or character. Is entitled
to hold as exempt from execution her wearing apparel ,
adornment purchased by herself to
articles
the ar of personal
of $ 200 in value, all jewelry, ornamenis,
books, etc. , which may have been given her as pres
ents ; and other property to the amount of $ 300, except
as against indebtedness for the purchase money ihere
for. No tenancy by the curtesy or dower. A widow
takes one-third of her deceased husband's real estate
in fee, free from all demands of creditors, where the
estate does not exceed $ 10,000 ; one-fourth , if under
$ 20,000, and one- fifth, if above that amount. She also
takes one-third of personalty after payment of debts ,
and in all cases takes 500 without accounting, and
may occupy the dwelling and forty acres of land for a
year, rent free.
NOTES AND BILLS OF EXCHANGE . Three days of
grace are allowed on all bills of exchange payable with
in the State , whether sight or time bills. Damages
for protest on bills upon any person at any place out of
this State but within the United States , five per cent.;
on bills drawn upon any person at any place without
the United States, ten per cent. Promissory
notes payable to order or bearer at a bank
in this state, and bills of exchange , are governed by the
law merchant. Promissory notes not payable at a bank
are subject to any set-off maker may have against payee,
or any subsequent holder, accruing before notice of as
signinent. On these, maker must be exhausted before
indorser can be sued. Protest is not necessary to hold
indorsers of such notes, but to hold them maker must
be sued at first term of court after maturity, unless it
can be shown that he was insolvent at the time of such
maturity .
Suits. No distinction between law and equity. Civil
actions are commenced by filing complaintwith
Clerk
of court, and every ctid must be prosecuted in the
name of the real party in interest, except suits by ex
ecutors, administrators, guardians of idiots or lunatics,
trustees of express trusts, or person expressly author
ized by statute .
TAXES. State, county, township, municipal, school
and road taxes attach as a lien on real estate, on April
1ofofsame
each year,
thirdof Monday
real es
monthandinpenalties
the nextattach
year. onSales
tate for taxes are held on the second Monday of Feb
ruary, and all lands on which taxes are delinquent for
two years are offered . Owner has two years in which
to redeem , by paying the amount set forth in the certifi
cate of purchase, with all subsequept taxes paid , and
fifteen to forty per cent. upon the whole sum ,with legal
interest from the date of purchase or payment. Lands
are sold for one year's delinquency, but the following
year's tax (not yet delinquent) is embraced in the amount
sold for.

IOWA .
ACKNOWLEDGMENTS of deeds 10 land made within ister, Consular Agent, or other officer of the United
the State, or the United States or Territories, must be States properly authorized to receive acknowledg
made before a Judge of a court of record, or Clerk ments of deeds . Witnesses are not required .
thereof, authenticated by the court seal , or by a Com
ASSIGNMENTS AND INSOLVENCY. No insolvent law.
missioner of Deeds, appointed by the Governor of the Assignments not valid unless for benefit of all creditors ,
State, Notary Public, or Justice of the Peace; in the when assent of creditors is presumed . Debtor must
case of the latter official, bis authority to take the ac
furnish sworn inventory and list of creditors ; and the
knowledgment should be certified to by a Clerk of a assignment, which vests in the assignee title to all
court of record , under seal of the court, as also his property of the debtor, must be recorded . Assignee
official character, and the genuineness of his signature. must give bonds, prepare an inventory and valuation,
In foreign countries deeds may be acknowledged before and notify creditors hy mail to file
ms w
hree
any officer authorized by the laws of such country to months. Claims objected to may be passed upon by a
certify to acknowledgmente , or any Ambassador, Min
jury, and the assignee is in all respects subject to order

COMMERCIAL LAWS.

of court, and renders a final account thereto . An as
signment does not discharge the debtor from his debts
and liabilities, but only entitles creditors to share
equally in his estate. All claims filed must be sworn to,
and claims not filed within three months from the date
of the first publication will not be paid until claims filed
within that time have been paid in full. The assign
ment is docketed as a case in court .
ATTACHMENT process will issue against all property
not exempt from execution on filing of a sworn peti
tion, alleving, 1st, that the defendant is a foreign cor
poration, or acting as such ; or 2d , that he is a non
resident of the State ; or 3d , that he is about to remove
his property out of the State, without leaving sufficient
remaining for the payment of his debts; or 4th, that
he has disposed of, or is about to dispose of, his prop
erty ( in whole or in part) with intent to defraud his
creditors ; 5th, that the defendant is about to dispose
of his property with intent to defraud his creditors ;
6th , that he has absconded so that ordinary process
can not be served upon him ; 7th, that he is about to
remove permanently out of the county and has prop
crty therein not exempt from execution , and that he
refuses to pay or secure the plaintiff; 8th, that he is
about to remove permanently out of the State, and
refuses to pay or secure the debt due the plaintiff ; 9ih,
that he is about to remove his property, or a part
thereof, out of the county, with intent to defraud his
creditors ; 10th, that he is about to convert his property,
or a part thereof, into money, for the purpose of plac
ing it beyond the reach of his creditors; 11th , that he
has property or rights in action which he conceals ;
12th , that the debt is due for property obtained under
false pretenses . Attachment may be brought before
the debt is due when the 4th, 5th , 7th or 12th of the
above causes can be alleged under oath. Tne first at
tachment levied becomes the first lien , and there is no
pro -rating. The penalty on an attachment bond is
three times the amount of debt. No person may be
imprisoned for debi in any civil action on mesnc or
final process , except in case of fraud.
COURTS. Terms and Jurisdiction . District Courts
have exclusive jurisdiction of criminal matters ; the
Circuit Courts of probate matters. Both have original
and general jurisdiction of civil causes in law and
equity. Two termsof each court are held annually in
each county (three or four of the Circuit Court in some
of the more populous counties ). Justice's jurisdiction ,
$ 100, or by consent of parties, $300. No appeal from a
Justice unless amount exceeds $25.
EXECUTIONS may issuie immediately upon the rendi
tion of the judgment, and are returnable in seventy
days from the date of issue. On the judgment debtor
entering good and sufficient security on the proper
court records for the amount of such judyment, inter
est and costs - accrued and to accrue - he can have a
stay of execution as follows: under $ 109 three months,
above that sum , six months. Staymust be taken within
ten days from the date of entry of judgment, and the
party taking suchstay, if he has been personally served
with process, shall not afterward be allowed to appeal .
If the judgment is not fully paid at the expiration of
the stay, judgment is entered against the surety, and
execution may be issued forthwith. After stay, judg
ment draws ten per cent , interest by operation of law .
There can be no stay for wages due mechanic or labor
ing man , nor by a surety on stay bond. Defendant may
redeem real property sold under execution at any time
within twelve months, meantime remaining in posses
sion of the property, but where he has taken an appeal
or stay of execution he can not redeem. During the
first six months he has exclusive right of redemption,
but after that time, and before the expiration of nine
months, any creditor having a lien can redeem .
EXEMPTIONS. Homestead of 40 acres in country and
half an acre in city or town, with buildings without
regard to value. Personal property exempt includes
tools, instruments, library, necessary team, etc. , of
mechanic, farmer, teacher, or professional man ; wear
ing apparel , household and kitchen furniture, $ 200;
certain farm animals and necessary food for six months.
Foregoing relates only . to residents , being heads of
families; unmarried persons and non -residents being
only entitled to retain their own clothing and trunks.
Where debtor is a printer, the printing press and types,
furniture and material up to $1,200 are exempt. Earn
ings of debtorwithin 90 days of levy are exempt.
INTEREST. Legal rate , six per cent.; parties may
contract, in writing, for ten per cent. Judgmen's draw
six per cent. , or if a higher rate not exceeding ten per
cent. is expressed in the original contract, then such
higher rate. Open accounts draw six per cent. after

six months from date of last item . Contract for more
than ten per cent. forfeits ten per cent. on amount of
contract, and a l interest and costs.
JUDGMENTs in the District and Circuit Courts may
be obtained at tirst term after suit commenced, if unde
fended , and are liens on real estate owned by the
debtor at the time of such rendition . If the lands lie
in the county where judgment was rendered, the lien
attaches from its date; if in any other county, from
the time of filing therein an attested copy of the judg
ment. Lien also covers all lands which defendant may
acquire within ten years from date of judgment.
LIMITATIONS TO Suits . Actions for injuries to per
son or reputation, or to recover a statutory penalty,
must be brought within two years ; to enforce a me
chanics' lien, two years ; on unwritten contracts. five
years ; on written contracts, ten years ; on judgments
of courts of record, twenty years; to recover real es
tate, ten years. Revivor: Admission of debt or new
promise to pay, which must be in writing.
MARRIED WOMEN may own in their own right real
and personal property acquired by descent, gift or pur
chase, and may manage, sell , convey and devise the
same by will in the same manner as the husband can
property belonging to him . Neither husband nor wife is
fiable for the debts or liabilities of the other incurred
before marriage, and, except as herein otherwise de
clared, they are not liable for the separate debts of the
other, nor are the wages, earnings or property of either,
nor the rent or income of such property, liable for the
separate debts of the other. Contracts may be made
by a wife and liabilities incurred, and the sameenforced
by or against her, to the same extent and in the same
manner as it she was unmarried. But both are liable
for the expenses of the family ,and the education of the
children, whether contracted for by one or the other.
Theymay be sued jointly or separately therefor. Dower
and the estate of curtesy are abolished, but the sur
viving wife or husband takes one-third in value of all
the legal and equitable estate possessed by the other
during marriage.
MORTGAGEsmust be subscribed by the parties and
acknowledged and recorded same as deeds. Are fore
closed by civil action. Mortgagor has one year in which
to redeem . Chattel mortgages to be valid against ex
isting creditors or subsequent purchasers without no .
tice must be recorded immediately in the county where
the holder of the property resides. A chattel morigage
may include all kindsof personal property and the credi
tormayenter into possession of the mortgaged property
at any time after the execution of the instrument.
NOTES AND BILLS OF Exchange. Grace is allowed
upon all negotiable bills or notes payable within the
State according to the law merchant, and notice of non
acceptance, or non -payment, or both , is required ac
cording to the rules of commercial law . Damages al
lowed on protested paper ; three to five per cent. To
hold indorser note must be duly presented , payment re
fused , and indorser notified. Open accounts are as
signable. Paper falling due on Sunday, 1st day of Jan
uary, 30th of May, 4th of July, the 25th day of December,
and any day appointed by the Governor or by the Presi
dent as a day of fasting or thanksgiving, shall be con
sidered and treated as falling due on the preceding day.
Suits . But one form of action in this State, known
as a civil action and regulated by a Code of Procedure.
Actions are commenced by serving defendant with no
tice, stating generally the nature of the claim , and
filing
a petition in court , ten days before the term . Actions
generally are prosecuted in the name of the real party
in interest, and in the county where defendant resides,
or property in question is situated , or cause of action
arose . Process must be served in Justice's Courts on
debtor at least five and not more than fifteen days, and
in the District and Circuit Courts at least ten days, be
fore the first day of term . If defendant is served out
side of his county, but inside of judicial district,
process must be served fifteen days -elsewhere there
must be twenty days' service for every 1,000 miles or
fraction . Service short for first term is good for nextterm.
Taxes become due and payable on second Monday in
November, and delinquent on February 1st following.
If not paid before March 1, penalty
of one per cent . per
month is added for first three months, two
per cent . per month for next three months, and
three per cent. per month thereafter. Lands are sold
on first Monday in October after taxes become delin
quent. Three years are allowed in which to redeem by
payment of amount for which lands were sold, twenty
per cent. penalty, and ten per cent . per annum upon
the whole amount.

COMMERCIAL LAWS.

KANSAS .
ACKNOWLEDGMENTS within the State must ber made and October, and special or adjourned terms may be
before a Judge or Clerk of a court having a seal,a Jus held as business may require. Justice's jurisdiction
tice of the Peace, Notary Public, County Clerk , Regis in civil actions for the recovery of money , $ 300 ; to re
ter of Deeds , or Mayor or Clerk of an incorporated cover specific personal property, $ 100.
city. In cases where the acknowledgment is made out
EXECUTIONS may be ordered as soon as judgment is
of the State it must be made before a court of record, a obtained. It is the duty of the Justice, without any
Clerk , or other officer having the seal thereof, a Com order, to issue execution within ten days from rendi
missioner of Deeds for Kansas , Justice of the Peace or tion of judgment . Executions are made returnable
Notary Public, or before any Consul of the United within thirty days. Personal property levied on must
States, resident in any foreign country or port. When be appraised, and advertised for ten days , and sold at
the acknowledgment is made before a Justice of the auction to the highest bidder. There is no stay of exe
Peace, some Clerk of a court of record must certify to cution in the District Court, except where a case is
his official position.
taken 10 the Supreme Court on appeal . In Justice's
ASSIGNMENTS AND INSOLVENCY. Assignments must Courts, vy filing bond, stays of execution are granted as
be for benefit of all creditors, and do not discharge the follows: On any judgment for $ 20 and under, thirty
debtor. Must be executed and recorded like convey days ; over $ 20 and under $50, sixty days ; over $ 50 and
ances of real property . Creditors (above ten dollars) not exceeding $ 100 , ninety days; over $ 100, one hundred
are notified by Clerk of District Court, and at the meet and twenty days. There is no redemption of land sold
ing held for choice of assignee, a majority of such cred under execution or other legal process in this State.
EXEMPTIONS. Homestead of 160 acres of farming
itors must be present, otherwise appointment rests
with the court. Creditors who fail to appear are pre land, or of one acre within an incorporated town or
cluded. Assignee must pay out funds in his hands city , with buildings thereon, unlimited in value .
within one month of allowance of demands . Property Every person residing in this State, and being the
must be appraised, and assignee is in all respects sub head of a family, shall have exempt from seizure upon
ject to order of court, and his accounts are passed upon attachment or execution, or other process issued from
by a Commissioner before his diecharge .
any court in this
Family Bible, school books,
ATTACHMENT. The creditor in a civil action for the and family library ; State:
family pictures and musical instru
recovery of money may, at or after the commencement ments used by the family, all wearing apparel of the
thereof, have an attachment against the property of family, all beds, bedsteads and bedding used by the
the debtor, where the debtor or one of several debtors debtor and his family, one cooking stove and append
is a foreign corporation or non-resident of the State , ages, and all other cooking utensils, and all other
(but no attachment shall be granted on the ground or stoves and appendages necessary for the use of the
grounds in this clause stated, for any claim other than debtor and his family; one sewing machine , spinning
a debt or demand arising upon contract, judgment or wheel, and all other implements of industry, and all
decree, unless the cause of action arose wholly within other household furniture not herein enumerated, not
the limits of this State, which fact must be established exceeding $500, two cows , ten hogs, one yoke of oxen
on the trial), or where the debtor or one of several and one horse or mule, or in lieu
one yoke of oxen
debtors has absconded with intent to defraud his cred and one horse or mule, a span of of
horses or mules, and
itors; or has left the county of his residence to avoid twenty sheep and their wool ; necessary food for the
the service of a summons ; or so conceals himself that support of such stock for one year ; one wagon , two
a summons can not be served upon him ; or is about to plows,
drag, an I other farming utensils, not exceeding
remove his property or a part thereof out of the juris $ 300 ; grain,
vegetables, groceries, etc. , for the
diction of the court, with intent to defraud his credi family for onemeat,
year ; the tools and implements of any
tors ; or is about to convert his property or a part there mechanic, miner,
other person , kept for the purpose
or
of iuto money, for the purpose of placing it beyond of carrying on his business
, and in addition thereto
the reach of his creditors ; or has property or rights in
not
trade
exceeding
in
stock
400 in value ; library, im
action which he conceals ; or has assigned, removed or plements, and office furniture$ of
any professional man .
disposed of, or is about to dispose of his property or a A
lien
on
the
homestead
be created by husband
may
part thereof, with the intent to defraud, hinder or delay
his creditors ; or fraudulently contracted the debt, or and wife joining in the mortgage. Residents, not the
of afamily, have tools, implements, and stock in
fraudulently incurred the liability or obligation, for head
up to $ 400 , exempt from execution.
which suit is about to be or has been brought; or when trade
INTEREST.
rate, seven percent., but twelve
the damages for which the action is brought are for per cent. mayLegal
be agreed upon. Excess of twelve
the injuries arising from the commission of some felony per cent. is forfeited, but there is no penalty for
or misdemeanor, or the seduction of some female ; or usury .
when the debtor has failed to pay for any article or
JUDGMENTS of courts of record are liens on real
thing delivered , for which by contract he was bound to estate
of debtor within the county , but lose their pri
pay on delivery.
ority over subsequent judgments unless execution is
Garnishment. When the plaintiff, his agent or at issued and levied within one year after judgment.
torney, shall make oath in writing that any person or The lien can be extended to other counties by filing
corporation has property of the defendant, or is indebt certified copies of judgment. Lien continues for five
ed to him , a garnishment summons may issue to such years,and may be revived . Justices' judgments be
person , and copy of order of attachment with notice come liens on filing transcript in District Court of the
that he appear and answer. When suit is brought be county in which they were rendered.
fore a Justice of the Peace, if affidavit is made that any
LIMITATIONS OF SUITS. Actions concerning real prop
person or corporation is indebted to defendant, or has erty must be brought within fifteen years ; on official
property belonging to him and that plaintiff is likely bonds and contracts in writing, five years; contracts not
to lose his claim unless garnishee summons issue , the in writing, three years ; trespass, detinue, replevin,
Justice of the Peace will issue such summons at the and for relief on the ground of fraud, two years. Re
commencement of the suit.
vivor : Part payment, or written acknowledgment or
CONTRACTS . All contracts which, by the common promise.
MARRIED WOMEN have same rights as men concern
law are joint only, shall be construed to be joint and
several. Any person jointly or severally liable with ing property and business, and may carry on trade, sue
others for the payment of any debt, may be released and be sued, and sell or convey their real estate, pre
from such liability by the creditor, and such release cisely as their husbands can. The estates of dower and
shall not discharge the other debtors beyond the proper curtesy have been abolished . Homestead is absolute
proportion of the debt for which the person released property of widow and children, and widow takes in
was liable. The use of private seals in written con fee simple one-half of all other real estate owned by
tracts (except seals of corporations ) is abolished.
the husband during coverture, unless she joined in the
ConveYANCES.
All instruments
of writing
for this
the conveyance thereof.
conveyance
or incumbrance
of real estate
within
MORTGAGES and conveyances of real estate, to be valid
State , executed and acknowledged, or proved in any against subsequent bona fide purchasers, must be duly
other State, territory, or country, in conformity with acknowledged and recorded within the county. Are
the laws of such State, territory , or country, or in con foreclosed by suit only, in which all parties in interest
are made parties defendant. Chattel mortgages are
formity with the laws of this State , shall be as valid as
if executed within the State .
absolutely void as against creditors and subsequent
COURTS. Terms and Jurisdiction . District Courts, purchasers and mortgagees in good faith , unless pos
holding two to three terms a year in nearly every session of the property actually passes to and remains
county, have general original jurisdiction in law and in the mortgagee, or the instrument be forthwith filed
equity. Regular terms of the Probate Court are held in of record. Such mortgages expire within one year, as
each county on the first Monday in Jannary, April , July to creditors or purchasers, unless renewed by affidavit,

COMMERCIAL LAWS

showing interest, filed during the last thirty days of
the year .
NOTES AND BILLS OF EXCHANGE . All bonds, notes
and bills of exchange, except bank checks and sight
drafts, made negotiable , shall be entitled to three days
of grace in the time of payment. All bonds, notes,
and bills of exchange, foreign and inland , drawn for
any sum or sums of money, certain , and made payable
to any person or order, or to any person or bearer, shall
be negotiable by indorsement thereon if payable to
order , and by delivery if payable to bearer, so as to
absolutely transfer and vest the property thereof in
each and every indorsee or holder, successively; but
nothing in this section shall be construed to make
negotiable any such bond, note, or bill of exchange,
drawn payable to any person or persons alone, and not
drawn payable to any order, bearer or assigns. (See
General Statutes, 1868 ].
By the laws of 1875 it was provided that no person or
persons, bank or body corporate, residing or doing busi
ness withinthe limits of this State , can be heldliable
for protest damageson any bond, note or bill protest
ed heretofore or hereafter for non-acceptance or non
payment. Whenever the third day of grace falls
upon a Sunday, July 4, December 25, or January 1 ,

or upon any day appointed for a public Fast or Thanks
giving, the next preceding day is the last day of
grace.
Suits are commenced in the District Courts by filing
a petition and precipe, and causing a summons to issue
thereon . Actions concerning real estate must be
brought in the county in which the land or a part
of it is situated, and all other actions in the coun
ty in which defendant resides or may be sum
moned, except where defendant is non-resident or a
foreign corporation , when action may be brought in
any county where defendant has property.
Taxes. One-half the annual levy becomes due Dec.
20 , and if not paid all becomes due and here is a pen
alty of five per cent . added. If not paid by March 20
another five per cent. is added , and on June 20 still
another five per cent. The tax is then delinquent, and
property is subject to sale on the first Tuesday in
September following. After sale it bears interest at
the rate of twenty -four per cent. per annum
, and the
same rate on all subsequent taxes. Lien attaches on
November 1 in the year in which tax is levied , and
lands sold for taxes are redeemable within three years
from day of sale.

KENTUCKY .
ACKNOWLEDGMENTS. Deeds executed out of the
United States by persons other than married women
may be certified by any Foreign Minister or Consul, or
Secretary of Legation of the United States , or by the
Secretary of Foreign Affairs, certified under his seal of
office or by the Judge of a superior court of the nation
where the deed shall be executed, to have been ac
knowledged or proved by him as required by law (Gen.
Stat ., Chap. 24 , Sec. 17). Deeds executed out of this
State and within the United States by persons other
than married woman , may be certified under his seal
of office, by the Clerk of a court, his deputy, or a
Notary Public, Mayor of a city, or Secretary ofState, or
Commissioner to take acknowledgments of deeds, or by
a Judge under the seal of his court , to have been
acknowledged or proved before him in the manner
hereby requirea (ibid, Sec. 16) . Deeds executed in this
Stateby othersthan married women, maybe acknowl
edged before a Clerk of a County Court, or may be
proved by two subscribing witnesses, or by one who
aleo proves the attestation of the other, or by proof of
two witnesses that the subscribing witnesses are both
dead or out of this State , or one so absent and the other
dead , and like proof of the signature of one witness
and the grantor. Deeds of married womenexecuted in
this State must be acknowledged before a Clerk of the
County Court, who shall explain to her the contents
and effect of the deed separately and apart from her
husband, and if she freely and voluntarily acknowledge
the same, and is willing for it to be recorded , he shall
certify the deed, stating the acknowledgment when it
was acknowledged, but need not state privy examina
tion , etc. A deed of a married woman , to be effectual,
ehall be acknowledged before some of the officers
named above when made out of this state, who shall
explain to her the contents and effect ofthe instrument
separately and apart from her husband, and if she
freely and voluntarily acknowledge the same, and is
willing for it to be recorded, he shall so certify .
AssiGNMENTS AND INSOLVENCY . There is no provision
for the discharge of an insolvent debtor unless debts are
paid in full. A general assignment for benefit of all
creditors may be made and claims are proven , as in the
case of a decedent's estate. Trustee must give bonds
ard settle his account in two years.
ATTACHMENT issues.where defendant is non -resident
or a foreign corporation , or has been abeent fonr
months from the State , evades service, conceals, at
tempts to remove, disposes of, or conveys property with
intent to defraud or delay creditors. But an attach
ment will not be granted on the first two grounds
except on actions to recover a debt or demand arising
upon contract . Bond and security must be given.
Garnishment process will issue on return of an execu
tion unsatisfied , or at the commencement of an attach
ment suit, and any persons indebted to defendant may
be made parties thereto . An order or arrest may be
issued by the Clerk of the Court in which the action is
brought or pending, when an affidavit is filed showing
the amount, nature and justness of the demand , and
that the debtor is about to depart from the State with
intent to defraud his creditors, has concealed or moved
his property, or a material part thereof, from the estate,

or that he has money, or securities for money, or evi
dences of debt in his possession, or that of others for his
use, and is about to depart from the State without leav
ing sufficient property to pay plaintiff's claim . Bond
must be given by plaintiff in double the amount of his
claim , to cover the damages to the defendant, if the
order was wroi gfully procured. Defendant, when taken
under order of arrest, will be confined in jail until he
gives bail or is discharged under insolvent laws.
COURTs. Terms and Jurisdiction. Circuit Courts are
held twice a year in nearly every county ; and in Jeffer
son county (Louisville) continuously, except July and
August. Have original jurisdiction in all civil cases ,
both in law and equity. But in twenty -three counties
Common Pleas Courts have been established with simi
lar common law jurisdiction, and in Kenton , Campbell,
Bracken and Pendleton counties there are Chancery
Courts with exclusive equitable juriediction. Jefferson
county has a Court of Common Pleas and a Chancery
Court, with jurisdiction in the city of Louisville and
county of Jefferson . County Courts in cach county
deal with probate and guardiau ship matters. Quar
terly Courts have jurisdiction up to $ 100, and Justice's
Courts up to $50 ; Justices of the Peace in Jefferson
county up to $ 100, exclusive of interest and costs. The
Appellate Corrt has no original jurisdiction. All cases
may be šppealed where the amount in controversy is
$ 50 or more.
EXECUTIONS issue from courts of Justices of the
Feace and County Courts in five days : Circuit Courts ,
ten days ; Louisville Chancery Court, fifteen days; re
turnable not under thirty nor over ninety days from
date, and are liens only after delivery to proper officer.
At any timebefore levy is made, debtor canexecute a
replevin bond with good security,payable to the credit
or, which acts as a stay for three months. Rer l estate
fold under execution for less than two-thirds its ap
praised value may be redeemed within twelve months
by payment to purchaser oforiginalpurchase money and
ten per cent. per annum interest thereon .
EXEMPTIONS. No exemptions allowed except to bona
fide housekeepers, with a family ; in favor of such there
is exempt from execution and attachment for debt : a
homestead of the value of $ 1,000 ; specific articles of
household furniture , live stock, provisions and proven
der, agricultural and domestic implements, libraries and
instruments of professional men ; which may vary in
value from one to seven hundred dollars ; the wages of
a laboring man to the extent of $ 50, except for house
rent and family supplies. These exemption laws are of
different dates,none, however, more recent than March,
1872. Exemption continues after death of debtor, for
widow and infant children, if any.
INTEREST. The legal rate of interest in this State is
six per cent., and no contract may be made at any
greater rate. (See Act of March 14th, 1818, in force
April 1, 1878.] The penalty for usury is forfeiture of
all interest in excess of the legal rate. Six per cent, is
allowed upon judgments rendered, and judgments upon
written contracts bear the same rate of interest pro
vided for in the contract, not exceeding the legal rate
as fixed by the above law. Interest at the legal rate
may be recovered upon open accounts by proper plead

COMMERCIAL LAWS.
ing of the maturity of debt and the default of the de
fendant. Prior to the adoption of the law quoted
above it was allowable to contract for a rate not ex
ceeding eight per cent. per annum .
JUDGMENTS are not a lien upon the estate of the de
fendant. Executions may isstie upon them at any time
within fifteen years, and every time they are issued act
as a revival of judgment.
LIMITATIONS OF SUITS. Actions upon contracts in
writing, official bonds, or upon a judgment or decree of
any court, must be brought within fifteen years, the
time dating from the last issue of execution; also all
actions for the recovery of real estate ; and no disabili
ty whatever can extend the time longer than thirty
years. Actions upon contract, express or implied, not
in writing, for trespass on real or personal property, on
bills of exchange, drafts, or upou a promissory note
placed on the footing of a bill of exchange, upon ac
counts betweenmerchants or their agents, or for relief
upon the ground of fraud, must be brought within five
years . Actions upon merchants' accounts for goods sold
to consumers shall be brought in two years, the time to
be computed from the first day of January next after
the goods are sold and charged. Revivor : New prom
ise, or recognition of debt as an existing liability after
bar.
MARRIED WOMEN bold their separate estate free from
the control or liability for debts of the husband. Upon
joint petition of husband and wife, Circuit Courtmay
empower the wife to trade as a feme sole. Widow
takes dower in one-third for life of all real estate, unless

dower be barred, forfeited or relinquished . Married
women may dispose of their separate estate by deed or
devise .
MORTGAGES must be executed and acknowledged
same as deeds , but contain a clause of defeasance .
Wife must join to bar dower. Mortgages can only be
foreclosed by decree of court of equity . Chattel mort
gages must be recorded, and, except as to creditors
having actual notice, take effect only from the time
for record in the County Clerk's office.
they
are lodged
NOTES
AND BILLS OF EXCHANGE. Three days of
grace are allowed on bills of exchange drawn payable
at or after sight, or on time. No damages are allowed
on any vills of exchange, upon protest, except ten per
cent. per annum on bills drawn upon persons out of
theSUITS.
UnitedCivil
States,but
than eighteen
months .
actionsnot
commenced
arelonger
by filing a peti
tion with the Clerk of the proper court and causing a
summons to issue thereon . Non-resident plaintiffs
must give bond for costs . In ordinary proceedings
summons must be served ten days before commence
ment of the term. Parties sending claims to Kentucky
for collection should give full names and residence of
plaintiffs.
TAXES are due on June 1st of each year, and five per
cent. penalty is added after April 1st following. Sheriff
may levy on personalty, and if there be no personalty,
then (after Nov. 1 ) on real estate. Owner may redeem
within two years on payment of purchase money with
interest at the rate of thirty per cent. per annum and
costs .

LOUISIANA .
ACKNOWLEDGMENTS of deeds executed within the
State may be made before a Notary Public, Parish Re
corder or his deputy, in the presence of two witnesses.
In other States,before a Commissioner of Louisiana, or
any officer authorized to take depositions in the
State where he resides , but the official character of
such officer must be properly verified. A Louisiana
Commissioner may certify to the official position of
any public officer in the State for which he is ap
pointed.
ASSIGNMENTS AND INSOLVENCY. Under the State
laws insolvent dehtor may make surrender of property
to creditors, or an involuntary surrender may be forced
by any creditor who shall have issued an execution
which is returned unsatisfied . Surrender vests all
property of debtor in creditors, and stops all legal pro
ceedings against him . Debtor must file sworn sched
ules of assets and liabilities. Creditors elect a syndic,
who yives bond and manages the estate. Mortgage or
privilege creditors are not bound by the decision of the
majority of the creditors if they wish to sell the prop
erty, bat may ask for the sale of sufficient to pay the
mortgage or privilege debt. Debtor can only obtain
final discharge by consent of a majority of creditors in
number and amount, and where discharge is not grant
ed, debtor can be forced to make a new cession , when
he can beshown to have acquired property, but debts
subsequently contracted are entiiled to preference.
Where a jury find the debtor guilty offraud, he is de
prived of thebenefit of the ineolvent laws, and is liable
to imprisonment.
ATTACHMENT. Writs of attachment issue on ap
plication of creditor, under oath , when the debtor is
about leaving theState permanently, without there be
pro
ing a possibility, in the ordinary course of judicial
against
ceedings, of obtaining or executing judgm
him previous to his departure; when the debtor resides
out of the State , when he conceals hlmselt to avoid
being cited and forced to answer to the suit intended to
be brought against him ; when he has mortgaged , as
signed or disposed of, or is about to mortgage, assign ,
or dispose of his property, rights, or credits, or some
part thereof, with intent to defraud his creditors orgive
an unfair preference to some of them ; and when he has
converted , or is about to convert, his property into
money or evidences of debt with intent to place it be
yond the reach of his creditors. Creditor must furnish
bond exceeding by one-half the amount claimed to be
due, with at least one solvent surety, residing within
the jurisdiction of the court, conditioned for payment
to debtor of all damages sustained by him in case it is
decided that the attachment was wrongfully obtained.
Arrest of the debtor is allowed , but is of little practi
cal value, as it only secures the person of the debtor to
answer the suit, and he can not be held for the payment

of the debt. Garnishment may be had as an accessory
either to a writ of attachment or fieri facias.
COURTS. Terms and Jurisdiction . District Courts
have original jurisdiction where over $ 100 are involved .
Orleans Parish has six District Courts, and civil busi
ness is divided amongst them . Justice's jurisdiction,
$100.
EXECUTION. Property taken under a writ of fieri
facias must be advertised and appraised , and can not
be sold for less than two-thirds of the appraised value,
until it has been re -advertised . There is no redemp
tion of property sold under execution or mortgage.
No stay of execution is given except on appeal, and
execution may issue at any time after the delay for
appealing suspensively has expired.
ÈXEMPTIONS. To head of family, 100 acres of land
and improvements, if owned and occupied as a resi
dence, together with certain furniture, stock, imple
ments, provisions, etc.; the property not to 'exceed
$ 2,000, and no exemption if wife has separate property
worth over $ 2,000.
INTEREST. Legal rate is five per cent., but eight per
cent. may be agreed upon . If higher than eight per
cent. is charged, such charge forfeits entire interest.
If paid , it may be sued for and recovered within
twelve months. But a higher rate may be recovered if
included in the principal of the note.
JUDGMENTS recorded in the office of the Parish Re
corder becomemortgages from date of record upon all
real estate ofthe debtor, and may be thus recorded in
any parish where debtor owns real estate.
LIMITATIONS TO SUITS. Prescription - of three years ;
Claims for arrearages of rent charges, or the hire of
movables or immovables, for the payment of money
lent, on accounts of merchants, whether wholesale or
retail , and on all open account Of five years : Actions
on bills of exchange and promissory notes, reckoning
from the date of maturity, for nullity or rescission of
contracts. Of ten years : All judgments for money,
whether rendered within or without the State, resery
ing, to owner of judgment the right to have the same
revived at any time before prescription has ran . Of
thirty years : All actions for immovable property, or
for an entire estate, as a succession . Prescription
may be waived by the debtor after the same is required.
Revivor : Express acknowledgment and promise to pay.
MARRIED WOMEN. Separate property of wife con
trolled by her ; revenues of all separate property and
all property acquired by either husband or wife after
marriage held in community. A married woman can
not sue without the concurrence of her husband, and
she can not bind herself or her property for his debts.
Wife has no dower in her husband's real estate.
MORTGAGES can be foreclosed at any time after ma
turity of the debt, by instituting a regular suit and

COMMERCIAL LAWS.

obtaining judgment thereon, or, if the act imports a
confession of judgment in favor of the holder, he can
apply to the court for an order directing the Sheriff to
seize and sell the property. All mortgages must be
recorded before they can have any effect as against
third parties. Trust deeds are not in use, and chattel
mortgages are unknown to the laws of Louisiana.
There is no redemption of property sold under mort
gage.
NOTES AND BILLS OF ExchaNGE. Three days grace
are allowed upon bills of exchange and notes, or other
obligations made negotiable by law , but no grace is
allowed on sight bills or orders for money on demand.
All negotiable instruments are due and payable on the
day following the third day of grace, when the third is
a Sunday or legal holiday, and if this day be a Sunday
or legal holiday, then such instruments are due and
or legal
the following day , not a Sunday
payable
holiday . onWhenever
a promissory note is indorsed
for the benefit of the drawer thereof--of which men
tion is made in the note -- if caused by the drawer to
be discounted in any bank in operation within the
State, or if the drawer obtain anymoney in considera
tion of said note from any person, the indorser shall be

bound to the holders of the note as if it had been dis
counted or negotiated for his own use or benefit. Bills
and notes, or other obligations for the payment of
money, to be evidence of a debt, must express the whole
sum in writing. The cents may be in figures. Days of
public rest areJanuary 1, January 8, February 12, Feb
ruary 22, March 4, July 4, December 25, Sundays , Good
Friday and Shrove Tuesday.
SUIT . Actions are commenced by petition setting
forth cause of action , etc. , and signed by plaintiff or his
attorney. Plaintiff must give resident security, and
also make a deposit to cover costs. Full names and
residences of parties should be supplied, especially
where the claim belongs to a partnership.
TAXES. The Collector is required to give ten days
public notice of his readiness to receive taxes, and after
ten days froin the expiration of such notice, must give
written notice to each delinquent. If taxes arenot
paid w thin ten days more, Collector may seize and sell
property, after twenty days advertisement. Lands sold
for taxes are redeemable within two years, by the
owner, his agent or hairs . or any creditor, on payment
of the purchase money , with interest at one per cent . a
month , and all subsequent taxes paid .

MAINE .

ACKNOWLEDGMENTS. All deeds of real estate in
this State must be under actual seal, and it is usual ,
although not compulsory , to have them witnessed.
Deeds, in order to be recorded, if executed within the
State, must be acknowledged before a Justice of the
In other States and Ter
Peace or Notary Public.
ritories acknowledgment can be made before any Mag
istrate, Notary Public, Justice of the Peace, or Com
missioner of Deeds for the State of Maine. While a
certificate of a Clerk of record to the acknowledgment
taken by a Justice of the Peace, or other official,is not
required, it is in all cases recommended. For acknowl
edgments one grantor is sufficient. In foreign countries
acknowledgments may be taken by a Notary Public, or
by any United States Minister or Consul.
ASSIGNMENTS AND INSOLVENCY . Insolvent debtors
may make assignments for the benefit of creditors, and
such will be held to pass all the property of the debtor,
whether specified or not, except such as is exempt by
law . Property so assigned is not attachable for six
months after first publication of notice by assignee, and
creditors have three months after execution of assign
ment in which to become parties thereto. Debts of
creditors who become parties are aloue discharged by
assignment.
An insolvent law (enacted later) provides a system of
insolvency, voluntary and involuntary, where debts are
not less than $ 300, with assignees elected, subject to
approval of thecourt, who dispose of property , pay ex
penses and divide the assets. The insolvent may be dis
charged from his debts. Fraudulent conveyances and
preferences are declared void. Penalties are provided
for misconduct of insolvent assignee and messenger.
Debts contracted by fraud and breach of trust are not
affected by discharge, which may be annulled within
two years for cause. Proceedings are in the Probate
Court with appeals in certain cases to the Supreme Ju
dicial Court, which has full equity power in all matters
arising under the law . It debts are less than $ 300, the
debtor may make a general disclosure and be discharged
from arrest. It has not been decided whether this law
repeals
the assignment law.
ATTACHM
ENT. All real and personal property not ex
empt by law may be attached for debt, no affidavits
being required, and no security for costs unless the
creditor is a non -resident of the State ; and liens thus
created hold in the order in which the attachments are
made until thirly days after rendition of judgment ,
within which time they may be perfected by levy of
execution. Perishable goods or property liable to great
depreciation by keeping, being attached, may be sold
immediately by consent of parties, or by appraisal
caused to be made under the statute by the officer upon
request of attaching creditors , and the proceeds held by
the officer in lieu of the property. Debtors about to
leave the State may be arrested by special writ upon
affidavit ofthe creditor, of his belief that the debtor is
about to depart and reside beyond the limits of the
State, and to carry with him means of his own more
than necessary for his immediate support; and that at
least $10 is due on the claim , and in any case on execu
tion when the debt is at least $ 10.Debtors under
arrest or imprisoned on execution or mesne process

may disclose all their property not exempt from at
tachment for the creditor's benefit, and be discharged
from arrest by Justice's Courts constituted for that
purpose, or may give bond and disclose in the same
manner. A party iudebted to another may be held as
trustee of the latter, but claims for wages of personal
labor not exceeding $ 20 can not be garnisheed, except
where the debt is for necessaries.
COURts . Terms and Jurisdiction . Supreme Judicial
Court , which holds from two to three terms a year in
each county, has unlimited juri liction in all actions
except as specified below . In the county of Cumberland
(Portland ), the Superior Court has exclusive jurisdic
tion up to $ 500 , and concurrent above that sum , and
holds term on first Tuesday of every month , except
June, July , and August. In Kennebec county ,
(Augusta ), the Superior Court has exclusive jurisdic
tion up to $ 1,000, and concurrent above, and sits on the
first Tuesday of February , April, September and De
cember, and the second Tuesday of June. Courts of
Probate have the usual jurisdiction ; Municipal Courts
and Trial Justices up to $20 only , with some excep
tions.
EXECUTIONS may be issued any time after twenty -four
hours from rendition of judgment, and are returnable in
three months. Will run against the body where judg
ment is for more than $ 10 , unless debtor is a married
woman . May be renewed at any time within three
years, or judgment may be sued within twenty years.
No
allowed
the court
for special. cause,
and stay
for isone
year except
againstbyabsent
defendants
Real
estate sold under execution or levy may be redeemed
within
in it . one year by any person having an interest
EXEMPTIONS. Homestead, $ 500, where duly registered .
Usual wearing apparel, furniture $ 50 , bedding, pic
tures, etc., library $ 150, stoves, fuel and lumber, pro
visions and seed grain , sewing machine, certain
working animals, a team not exceeding $ 300'in value,
and a boat of two tons burden , and domestic fowl worth
$50.
INTEREST. The legal rate of interest is six per cent.,
but the parties may agree in writing for any rate of in
terest . Judgments bear interest at the rate of six per
cent. On open accounts current, interest would com
mence when the party to whom the balance is due
makes demand of payment . No usury laws.
JUDGMENTS do not create a lien on debtor's property
but such lien may be created by attachment on the
writ. [ See ATTACHMENT, passim .)
LIMITATIONS ON SUITs. Debt contracts and liabilities,
express or implied , not under seal , six years ; arrears
of rent, waste, trespass on land, actions on the case ,
and all actions for taking, detaining or injuring goods
or chattels , same time. On real actions and judgments
of courts of record, twenty years. Revivor: Part pay .
ment or new promise in writing.
MARRIED WOMEN may own , manage and convey real
and personal estate acquired from any source except
from husband, as if single. Married women may owp,
buy and sell property of all kinds in their own right
and name, may transact business , and sue and be sued.
A married woman's property is not liable for the dehts

COMMERCIAL LAWS.
of her husband, nor is he liable for her debts contracted
before marriage, nor for those contracted after in her
own name and upon her credit. All contracts ofmar
ried women for any purpose are valid. Widow takes
dower in a life estate in one-third of all realty owned by
husband during coverture, one -half if no issue, if the
estate is solvent. The husband has a like interest in
the solvent estate of his deceased wife .
MORTGAGES of real estate must be acknowledged
and recorded same as deeds . May be foreclosed by
advertisement, by taking peaceable possession, or by
suit. Mortgagor has three years from the time either
of these proceedings are commenced in which to re
deem , but the time of redemption may be reduced to
not less than one year by agreement inserted in the
mortgage. There is no redemption from a sale made
by virtue of a power of sale contained in a mortgage .
Chattel mortgages (which are in use, not authorized by
statute but recognized by the courts ) must, when for
above $30, be recorded or possession of the property
taken and retained by the mortgagee ; otherwise they
are void as against these parties .
NOTES AND BILLS OF EXCHANGE. Three days grace
are allowed on all bills of exchange and promissory
notes not on demand, which are payable within this

State.. Promissory notes for the payment of money, to
order or bearer, are negotiable. Demand and notice are
necessary to bind indorsers . The maker and indorser
can not be sued in one action. Damages on domestic
bills, three to nine per cent.; no statute in relation to
damages on foreign bills protested . Legal holidays are
Sundays, day of public Fast or Thanksgiving fixed by
Governor and Council , Jan. 1st, Feb. 22d, July 4th,
Dec. 25th, and Memorial Day.
Suits. Actions are commenced, where both parties
are resident in the State, in the county where either
resides,and if plaintiff is non-resident , then in county
where defendant lives ; trustee actions where some
trustee lives. All actions concerning real estate must be
brought in the county where the land is situated ; and
actions of replevin , where the property was taken.
Service on individuals must be had fourteen days, and
on corporations thirty days, before the return day.
Taxes constitute a lien on real estate. If taxes are
not paid within nine months after assessment, lands
are advertised and sold. Owners of non-resident land
may redeem within eighteen months, and of resident
land within two years after sale, by paying taxes, costs,
and twenty five per cent . interest in the first case, and
twenty per cent . in the latter.

MARYLAND .
ACKNOWLEDGMENTS of conveyances of any interest in issued , exclusive of costs, exceed the sum of one hun
real or leasehold property, may be made within the dred dollars . Imprisonment for debt is abolished .
COURTS. Termsand Jurisdiction . The Circuit Courts
State, and in the county or city in which the land, or
any part of it lies , before a Justice of the Peace a in the counties have jurisdiction both at common law
Judge of the Orphans 'Court, or a Judge of any court and equity, unlimited as to the amount of claim . They
of record . If within the State, but out of the county hold from two to four regular terms in each county at
in which the estate conveyed lies, they may be made be. which they have a jury ; there are, however , interme
fore a Judge of any of the State courts of record , or diate terms fixed by the rules, to which process may be
a Justice of the Peace, the official character of the jus made returnable. The Circuit Court of Baltimore City
tice must be certified by the Clerk of the Circuit, Coun hus exclusive equity jurisdiction in the city . The Supe
ty, or Superior Court, ( Baltimore City), under his official rior Court, the Court of Common Pleas and Baltimore
seal. If without the State, they may be made before a City Court have concurrent common law jurisdiction .
Notary Public ,a Judge of any Court of theUnited States, The Court of Common Pleas has exclusive jurisdiction
or of any State Court having a seal . The seal of the in insolvency,and the Criminal Court in criminal cases .
officer or court to be affixed to the certificate of acknowl The Orphans' Courts in Baltimore City and in the
edgment in all cases . Every deed conveying any inter counties have probate jurisdiction. Justice's jurisdic
estin real estate, must be signed and sealed by the tion, $ 100. The Common Law Courts have three terms
grantor, and attested by at least one witness . A scroll in the year, and rule days every month in the year ex
seal is sufficient. No words of inheritance are ne es cept August, to which process may be returnable. The
sary to create an estate in fee simple, and no separate Equity Court has six terms in the year, beginning the
examination of a married woman is required.
second Monday of January and every other month .
ASSIGNMENTS AND INSOLVENCY. An insolvent, upon
EXECUTIONS may issue at any time within twelve
application for the benefit of the insolvent law , is re years from date of judgment or from the expiration of
quired to surrender all his property of every descrip any stay, and may be therein levied on any property of
tion for the benefit of his creditors. No preferences the defendant. In the Circuit Courts for the counties
are allowed. A discharge releases the claims of all there is a stay until the first Thursday of the term suc
creditors living in the State, but does not affect the ceeding the rendition of the judgment, provided the judg
claims of non -resident creditors unless they are filed ment is obtained at the second term after the defendant
in the proceedings. Voluntary deeds of assignment for is summoned. There is no stay upon judgments
the benefit of creditors with preferences and exacting rendered in tbe courts of Baltimore City or by Justices
releases are valid. Such deeds are void if they do not of the Peace in the city or counties, but execution may
in terms convey all the property of the assignor. The issue forthwith . The defendant may stay the execution
claims of creditors are not barred by s !ich deeds unless by superseding with sureties in the courts for six
they release.
months, and before Justices in sums under $26.66 for
ATTACHMENTS for debt can be obtained in all cases six months, and over that sum for twelve months.
when the defendant is a non -resident or has absconded,
EXEMPTIONS. No homestead law . Wearing apparel,
affidavit being first made by the plaintiff to the correct books and tools (not kept for sale) and $ 100 of property
ness of his claim and the fact that the defendant is a in addition, are exempt from execution , except on
non-resident or has absconded . They may be also ob . judgments for breach of promise to marry and seduc
tained in connection with an original process when the tion. Equitable interests in personal property can not
creditor or some one in his behalf shall give bond in be sold under execution, but may be levied upon, and
double th- amount of the debt, with sureties to be ap the lien thus acquired may be enforced in equity.
proved by tbe Clerk, and make affidavit before the Choses in action may be attached .
Clerk of the Court where the suit is brought that the
INTEREST. The legal rate of interest is six per cent.
defendant is bona fide indebted to the plaintiff in the per annum . Judgments bear interest from their date.
sum claimed, and that the plaintiff knows or has good A person proved guilty of usury forfeits the excess
reason to believe that the debtor is about to abscond over the real sum or value of the goods and chattels
from the State, or that the defendant has assigned, lent, and legal interest thereon. Since 1876, where the
disposed of or concealed, or is about to assign , dispose whole debt, including the usury, is paid, the usurious
of or conceal, his property, or some portion thereof, interest can not be recovered back.
with intent to defraud his creditors, or that the de
JUDGMENTS are liens for twelve years from date of
fendant fraudulently contracted the debt or incurred rendition on any interest of the defendant in real or
the obligation ; or that the defendant has removed or is leasehold property within the county where rendered .
about to remove his property, or some portion thereof, They can be transferred from one county to another by
out of this State, with intent to defraud creditors. A sending an execution to the Sheriff and a copy of the
claimant may have the attached property reieased by docket entries to the clerk . The lien commences in the
filing a bond in double the amount of the appraisement. county to which execution is issued from the date of
Any kind of property or credits belonging to the de the entry of the docket entries by the clerk.
LIMITATIONS OF SUITS. Accounts and notes are barred
fendant, in the plaintiff's own hands or in the hands of
ony one else, and shares of stock in a corporation, may
three years
instruments
andrevive
jụdgments
be attached . Credits not due may be at ched, but after
after twelve
years., sealed
A verbal
promise will
a debt
wages, hire or salary pot due can not be attached un barred by the statute .
less the debt or judgment upon which the attachment
MARRIED WOMEN . The property of a married wo

COMMERCIAL LAWS.

man, real or personal, acquired by her at any time
since 1860, remains her separate estate and is not sub
ject to the control or liable for the debts of her husband.
Wife must convey real or personal property by joint
deed with the husband, but may devise the same by
will as if she were sole. Where husband is found a
lunatic by inquisition she may convey property as if
she were femesole. She may be sued on any instru
ment executed jointly with her husband and on any
contract made in theprosecution of business under a
license to trade. Widow is entitled to dower in real
estate and one-third of the personal estate if there are
children ; one-half if none.
MORTGAGES are executed, acknowledged and recorded
same as deeds, and are not valid againstcreditors unless
recorded within six months . There must be an affida
vit made by the mortgagee or his agent at any time
before recording, that the consideration is true and
bona fide . If made by agent, he must, in addition,
make oath that he is the agent of the mortgagee . A
like affidavit is required to chattel mortgages, and abso
lute bills of sale, both of wbich must be recorded

within twenty days. The lien of a mortgage may, by
ceasing to pay interest or any installment of the prin
cipal for twenty years ,be barred. They may be fore
closed at any time after the debt becomes due and
before the lien is barred.
NOTES AND BILLS OF EXCHANGE. The maker of a
promissory note or the acceptor of a bill of exchange
will be held liable to an innocent holder who takes the
same before maturity for value and in good faith even
though the note was madeor the bill accepted without
consideration. Three days grace are allowed on all
negotiable paper except sight ordemand drafts. A seal
to a promissory note makes it asingle bill and there
fore not negotiable. Bills of lading are by statute
negotiable in the same manner and with the benefit of
the same rules as promissory notes.
Surts. Actions are at common law . Pleadings have
been simpìified , but forms of actions remain as at com
mon law. Service of writs must be made by the return
day, which , in the counties is the first day of each term ,
and' in Baltimore City of each rule day.

MASSACHUSETTS .
ACKNOWLEDGMENTS may be made before any Justice
of the Peace, Magistrate or Notary Public, or Commis
sioner appointed for that purpose by the government of
this
commonwealth within the United States. AC
knowledgments of deeds may be made before any Con
sular officer under the laws of the United States,Withi
in anyn
foreign country to which he is accredited .
Massachusetts acknowledgments may be taken by
any Justice of the Peace or Notary Public. Where the
acknowledgment is taken by any official other than a
Commissioner for Massachusetts , a certificate of the
official's appointment and authority under which he
acts, made by the Secretary of State, or a Clerk of a
court of record, should be attached . Deeds must be
under seal , a scroll being insufficient. No sul
witness is necessary. Release of dower must be ex
plicitly stated in deed, wife's joining in deed merely be
ing insufficient. In case of several grantors acknowledg
ment of one is ufficient.
ASSIGNMENTS AND INSOLVENCY . The insolvent law
is in many respects similar to the United States bank
rupt law, repealed in 1878, and has no jurisdiction over
debts contracted outside the State unless the same are
proved in the insolvency proceedings. But an assign
ment to trustee to divide property among creditors can
not be avoided by attaching creditor and only by assignee
in insolvency . Any person owing $100 or more may ob
tain relief ; and any creditor may apply within ninety
days after commission of act of insolvency for seizure
and distribution of estate. Assignee is chosen bymajor
ity in value, and may be required to give bond. Proof of
debts must be substantially according to statute form,
mere affidavit of indebtedness not allowable. Original
notes and bills of exchange must be annexed to proof.
The oath may be made before Justice of the Peace, No
tary Public or Commissioner. Assent of majority in
number and value filed within six months from date of
assignment necessary for discharge if assets do not pay
fifty
per assent.
cent. orAttachments
more, otherwise
granted
without
madedischarge
more than
four
months prior to first publication of notice of issuing
warrant in case of voluntary proceedings and more
than four months prior to first publication of notice of
filing petition in involuntary proceedings are not dis
solved by assignment in insolvency:
ATTACHMENT. All real estate, goods and chattels not
exempt, may be taken in attachment on the original
and held as security for judgment, except that lands
and tenements can not be attached in suits involving
less than $20. Debtor may dissolve attachment by fur
nishing bond with sureties to pay judgment obtained or
value of property attached determined by appraisement.
Upon affidavit by the creditor or some one in his behalf,
that he has reason to believe that the debtor intends to
leave the State and has property not exempt from at
tachment which he does not intend to apply to the pay .
ment of plaintiff's claim , the debtor may be arrested
and held to bail . Debtor against whom judgment is
rendered for over $ 20 may be subjected to sworn exam
ination touching his property, and if he refuses to de
liver up such property (not being exempt from attach
ment), an order for arrest will issue and he can then ap
ply and be examined to take the poor debtor's oath.
COURTS . Terms and Jurisdiction . Justices of the
Peace , Municipal and Police Courts have original and
exclusive jurisdiction when the debt does not exceed

$20. The Supreme Judicial Court has original and con
current jurisdiction with the Superior Court, in actions
for recovery of debt to the amount of $ 4,000 or over in
Suffolk county (Boston ) and $ 1,000 or over in the other
counties of the State. Superior Court has jurisdiction
where the amount claimed exceeds $ 20 . Municipal
Court of the city of Boston has jurisdiction concurrent
ly with the Superior Court in the county of Suffolk , in
actions wherethe debt does not exceed $ 1,000, provided
one or more of the defendants resides or has his usual
place of business in the city of Boston . The other
Municipal , District and Police Courts throughout the
State have, as a rule, concurrent jurisdiction up to
$ 300.
EXECUTIONS can not issue until twenty - four hours
after judgment rendered, and an original execution must
be issued within one year after plaintiff is entitled to
sue out the same. Executions from all courts are re
turnable within sixty days. There is no stay of execu
tion, except by special order of court.
EXEMITIONS. Homestead, if recorded, to the value
of $ 800 . Household furniture, $300 ; library, $ 50 ; tools
and implements, $ 100 ; stock , $ 100; boats and fishing
tackle , etc., $ 100 ; one cow, six sheep , one swine and two
tons of hay, sewing machine, necessary wearing apparel,
pew in church , etc.
INTEREST. Legal rate, six per cent. which is allowed
on judgments . I'here are no usury laws , and any rate
may be reserved or contracted for in writing, and ratere
served in note is payable after maturity of note as be
fore .
JUDGMENTS may be entered within four days of de
fault, but do not constitute a lien upon realty or person
alty of debtor not attached on the original writ. Are
not outlawed for twenty years.
LIMITATION OF SUITS . Contracts or liabilities , ex
press or implied and not under seal , six years ; real
actions, those upon an attested note, if suit is brought
by original payee or his executor or administrator, and
personal actions on contracts not limited , twenty years .
Revivor : Part payment by the party sought to be
charged or new promise to pay in writing. Absence
from the State prevents the running of the statute of
limitations as to a defendant until he comes into the
State. The statute does not run against infants, married
women during coverture, insane persons, those impris
oned and those absent from the State.
MARRIED WOMEN . The real and personal estate of a
married woman, acquired at any time, remains her sole
and separate property, not subject to the control of her
husband, nor liable for his debts. Married women may
carry on trade or business, make contracts, sue and be
sued, in all matters relating to their separate property ,
and such contracts are not binding upon the husband.
Wife can not deprive her husband of more than half of
her personal property by w.ll, nor can she impair his
interest in her real estate as tenant by the curtesy with
out his written consent. Widow takes dower as at
common law, in one-third of her husband's real estate ,
and if there be no children she takes one-half for life.
Wife carrying on business on own account must file
certificate with city or town clerk ; neglect to do this
renders her property so employed liable for husband's
debts, and renders husband liable for her debts thus
contracted.
NOTES AND Bills OF EXCHANGE . Three days of grace

COMMERCIAL LAWS.
are allowed on all negotiable paper payable at sight or
at a future day certain ,exceptthat no day of grace shall
be allowed upon any bill of exchange ,note or draft, pay
able on demand, nor upon a check drawn upon a bank.
The drawer of a bill or draft requiring acceptance has
till two o'clock P. M. , on the next business day after
presentment to decide whether he will accept. Bills of
exchange, drafts, promissory notes and contracts , due
and payable, or to be executed, on Sunday or any
Fast day or Thanksgiving day appointed or recommend
ed by the Governor or by the President , or Christmas
day, twenty -second day of February, the fourth day of
July, or on the following day when either of the two
days last mentioned occurs on Sunday, shall be payable
or performable upon the business day next preceding
said days; and in caseof non-payment or non -fulfill
mentmay be noted and protested upon such preceding
day; but the holder or holders of such obligations need
not give notice of the dishonor, non-payment or non -ful
fillment thereof until the business day next following
the days above specified. To charge indorsers of a
promissory note payable on demand, a demand made at
the expiration of sixty days from the date thereof, with
out grace, or at any time within that term , is necessary
to fix liability of indorser and shall be deemed to be
made within a reasonable time . No presentment of
such note to the promissor and demand of payment will
charge the indorser, unless made on or before the last

day of said term of sixty days. Orders and drafts for
inoney payable within this State, in which no time of
payment is expressed, shall be deemed to be payable on
demand. All persons becoming parties to promissory
notes payable on time by a signature in blank on the
back thereof, shall be entitled to notice of the non-pay
ment thereof the same as indorsers.
Suits. Civil actions in general, except those con
cerning land, ( if one of the parties lives in the State )
must bebrought in the county where one of them lives
or has his usual place of business. Where all parties
are non -resident, action may be brought in any county.
Attachment of property owned by defendants residing
out of State sufficient to give jurisdiction in suit af
ter notice published by order of court. Persons com
morant in State may also be arrested on mesne process
and held to bail.
Taxes assessed on real estate are a lien for two years
after they are committed to the Collector. If not paid
on demand, Collector may sell after advertisement.
Owner, his heirs or assigns, may redeem within two
years by payment to the purchaser of the sum paid by
him , with ten per cent. interest and all necessary inter
vening charges and person having title may redeem in
two years after notice if property is taxed to a person un
known, or to tenant or occupant not owner, or wrong per
son or mortgagee of record.

MICHIGAN .

ACKNOWLEDGMENTS . Deeds and mortgages of lands
or any interest therein, executed within this State, must
be witnessed by two persons, and may be ackaowledged
before anyJudge or Commissioner of a court of record,
a Notary Public, or a Justice of the Peace or Master
in Chancery . When an instrument in writing is exe
cuted and acknowledged in any other State, Territory ,
or District of the United States, it may be done
before any Judge of a court of record , a Notary
Public, Justice of the Peace, Master in Chancery, or
other officer authorized by the laws of such State to
take the acknowledgment of deeds therein , or before
any Commissioner appointed by the Governor of Mich
igan for that purpose. Unless the acknowledgment be
taken before a Commissioner for Michigan, the instru
ment should have attached thereto a certificate of the
Clerk of a court of record of the county or district
within which such acknowledgment was taken , under
the seal of his office, that the person whose name is
subscribed to the certificate of acknowledgment was , at
the date thereof, such officer as he is therein represent
ed to be ; that he believes the signature of such person
subscribed thereto to be genuine, and that the instru
ment is executed and acknowledged according to the
laws of such State, Territory or District, and if such in
strument be executed in any foreign country, it may
be executed according to the laws of such country, and
may be acknowledged before any Notary Public
therein , or before any Minister Plenipotentiary,
Minister Extraordinary , Minister Resident, Charge
des Affairs, Commissioner or Consul of the United
States, appointed to reside therein . Such acknowledg
ment to be certified thereon by the officer to being the
same under his hand, and if by a Notary, his seal of
office shall be affixed to such certificate.
ASSIGNMENTS AND INSOLVENCY . Assignments for
the benefit of creditors may be made by an insolvent
debtor, without preference, and must be of all property
of assignor not exemptfrom execution . Assigneemust
give approved bond in double the amount of property
assigned. The bond and the instrument of assign
ment or a duplicate thereof, inventory of the assigned
property and a list of the creditors oftħe assignor, must
be filed with the Clerk of the Circuit Court in the county
where the assignor resides, or, if he is not a resident of
this State, then in the county where the assignee resides,
and if neither are residents of this State , then in the
county where the assigned property is principally lo
cated. No assignmentshall be effectual until such bond
shall be executed and filed as above stated, and approved
by said Clerk. No attachment or execution levied upon
assigned property after the assignment and before the
expiration of the time for filing bond shall be valid.
The assignment must be acknowledged before an officer
authorized to take acknowiedgments. The bond shall
be to the assignor for the joint and several use and ben
efit of himself and all creditors of such assignor, and
shall be signed by the aignee and sufficient sureties,
who shall justify before said Clerk or a Circuit Court
Commissioner under oath . Notice shall be given by
the assignee personally or by mail to each creditor;
Fuch notice shall require creditors to prove their claims

within ninety days thereafter by affidavit to be filed in
raid Clerk's office, or in default the assignee or receiver
will proceed to distribute said estate, as soon as practi
cable thereafter without reference to claims not proven .
When dividend is made, assignee shall cause appraise
ment to be made, by two competent appraisers under
oath, of the property assigned to him , and file the same
with the assignment . He shall also file a report of the
condition of the estate and his doings under the assign
ment within three months thereafter in the said Clerk's
office. In case of fraud in the assignment or in the exe
cution of the trust, or failure to comply with the law , or
failure to promptly and faithfully execute the trust,any
person interested may file a bill in chancery for the en
forcement of the trust and the appointment of a re
ceiver.
ATTACHMENT. Process will issne on affidavit that
debtor has absconded, or is about to abscond from the
State ; has assigned , removed, or concealed his prop
erty with intent to defraud ; or fraudulently contracted
the debt; or is non-resident, or a foreign corporation.
Garnishee process may be issued from any court in
which the original suit might be commenced, but the
wages of any householder, having a family, to the ex
tent of $ 25 , are exempt from garnishment. Arrests of
debtors may be made in all actions other than those
arising on contract, and in such actions when the claim
is for money collected by any public officer, or for mis
conduct or neglect in office or professional employment.
No woman can be arrested on civil process.
COURTS . Terms and Jurisdiction . Circuit Courts,
holding from two to four terms a year in each county,
have original and exclusive jurisdiction where the debt
exceeds $ 300. Concurrent jurisdiction when damages
on contract amount to $ 100, and exclusive jurisdiction
in actions of tort where damages alleged exceed
$ 100. The Superior Court of the city of Detroit
and the Superior Court of the city of Grand Rapids
have original and concurrent jurisdiction with the Cir
cuit Courts in all civil actions where the debt or dam
ages exceed $100, and in which the defendants, or one
of them , shall have been served with process in the
said respective cities, and where the parties, or one of
them reside in said cities , which must appear in the
process or pleadings . Justice's Courts have original
jurisdiction when the debt does not exceed $ 100, and
concurrent jurisdiction with the Circuit Court when the
debt does not exceed $ 300, except in actions of tort,
where the limit is $ 100 . There is a Probate Court in
each county , with the usual powers ,
EXECUTION may issue at once in Circuit Courts , and
within five days from rendition of judgmentin Justice's
Courts . Executions are returnable in sixty days. Stay
in Justice's Courts may be obtained by giving secured
bond for payment of judgment, costs and interest; the
time allowed being four months when the judgment
does not exceed $ 50 , and six months when above that
sum . Lands sold under cxecution may be redeemed
within one year, by payment of the purchase money,
with interest borne by the judgment. Executions may
issue at any timeduring theoflife
of a judgment.
EXEMPTIONS. Homestead any householder not ex

COMMEROIÁL LAWS.

ceeding forty acres, if in the country, or a house and
lot in a city, town or village, the value in either case not
to exceed $ 1,500. Can not be alienated or incumbered
without consent of the wife , where such relation exists.
Personalty exempt includes household furniture to
amount of $ 250; stock in trade, a team, or other things
which may be necessary to carry on the pursuit of
particular business, up to $ 250 ; library and school books
not exceeding $150 ; to a householder, ten sheep, two
cows, five swine, provisions, fuel , etc.
INTEREST sey per cent. per annum is the legal
rate of interest, but parties may contract in writing
for a higher rate, not exceeding ten per cent. The
penalty for usury is a forfeiture of the excess, but no
action can be maintained to recover back such excess
after the voluntary payment of the same. A bona fide
purchaser of negotiable paper is not affected by its
being usurious, unless appearing on the paper. Judg
ments bear the same rate of interest as the instrument
upon which such judgment was founded .
JUDGMENTS are not liens until execution has been
issued thereon and a levy made. Judgments can be
obtained in the Circuit Court in from forty -five to sixty
days, depenaingon return day, time of service, term of
court, etc. In® Justice's Courts, if defendant makes
default, judgment can be obtained on return day of
process. Judgments of courts of record exist ten years;
of Justice's Courts, six years.
LIMITATIONS OF SUITS On accounts and notes, ac
tions can not be brought unless within six years from the
time they were due, orinstruments
from the time the
last payment
was made . Sealed
and judgments, ten
years. The statute of limitations should be pleaded
specially. Revivor : Part payment,or promise in writ
ing to pay. Proceedings to foreclose mortgages must
be commenced within fifteen years after they become
due and payable, or within fifteen years after last pay
ment on mortgage; and as to mortgages fifteen years or
more past due. within five years after the statute takes
eflect. [See Session Laws 1879.]
MARRIED WOMEN may make contracts in respect to
their own property, and may have. hold and enjoy the
andi remedies as though
the samerights
and have
same,
. Ві a mar
unmarried
they were
ed woman's signa
ture to or indorsement of a note given to secure the
debt of her husband or other person, is void. She may,
however, bind her real or personal property, to secure
such indebtedness, by mortgage. A mortgage upon a
homestead is void unless signed by the wife. Widow
taken dower; the use during her natural life of one
third part of all the lands whereof her husband was
seized of an estate of inheritance at any time during
coverture.
MORTGAGES of real estate must be recorded within

the county, and if not so recorded are void as against
subsequent purchasers for a valuable consideration
without actual notice of such mortgagee. Chattel mort
gages are absolutely void as against creditors or subse
quent purchasers and mortgagees in good faith, unless
themortgage or a true copy thereof be filed in the City
or Township Clerk's office where the mortgagor re
sides. Such mortgages made and withheld from the
files are postponed to all indebtedness contracted after
their date, and prior to date of filing such mortgages.
Chattel mortgages are held to be securities for the debt
on demand - give no title until foreclosed by sale of the
property, under power of sale, or by proceedirgs in
equity, or possession of the goods is given to and
retained by the mortgagee. Such mortgages cease to
be valid after one year, unless within thirty days before
the expiration ofthat time they are renewed by affidavit.
NOTES AND BILLS OF EXCHANGE . On all bills of ex
change and negotiable notes, drafts, and orders payable
within this State , three days of grace are allowed, but
not in case of any bill of exchange, note or draft pavable
on demand . All checks, bills of exchange or drafts
drawn on any bank, are payable without grace, and it is
not necessary to protest the same for non-acceptance,
In all other cases demand, protest for non -payment, and
the sending notices of protest to the indorser, at his
reputed place of business or residence , are necessary to
bind the indorser. Damages on domestic bills pro
tested, three to ten per cent. Holidays to be observed
in the acceptance and payment of bills of exchange and
promissory notes, in the holding of courts, etc., are the
following : 1st day of January ( New Year's day), 220
of February (Washington's Birthday), 4th of July, 25th
of December ( Christmas Day), 30th of May (Decoration
day ), and any day appointed by the Governor or the
President of the United States as a day of Thanksgiving.
In case any of said holidays shall fall on Sunday, then
the Monday following shall be considered as the said
holiday. When the last day of grace falls on Sunday,
or on anylegal holiday, the day previous is considered
as the lastday of grace
Suits . Practice and proceedings of courts are in
accordance with the rules of common law , with some
statutory modifications, so
as applicable to our insti
tutions.
TAXESassessed against real estate become a charge
against the owner on the second Monday of May, and a
lien on the real estate from first Monday in December of
same year. Lands returned for delinquent taxes are
sold on first Monday in October in the year following
that in which the taxes were assessed. One year is
allowed for redemption , the penalty ranging from fif
teen to fifty per cent. on the purchase money . City
taxes are governed by charter.

MINNESOTA .

ACKNOWLEDGMENTS . Deeds must be signed , sealed
and acknowledged by the grantor, and attested by two
witnesses. Within the State acknowledgments may be
made before any Judge or Clerk of a court of record,
Justice of the Peace,Notary Public , Register of Deeds,
Court Commissioner or County Auditor. Without the
State,but within theUnited States, by Judges or Clerks
of courts of record, Justices of the Peace and Notaries
Public, also by Commissioners in any of the States or
Territories of the United States, duly appointed and
commissioned by the Governor of this State. In for
eign countries before any Notary Public, Minister, Con
sul or other diplomatic or commercial agent of the
United States thereaccredited and resident .
ASSIGNMENTS must be in writing,subscribed by debtor
or debtors and acknowledged. Debtor must file inven
tory of all property within ten days after filing assign
ment. Assignee must give bond with two or more
sureties to be approved by Judge of District Court in
double the amount of property inventoried . Claim
must beverified by oath of the party, except claims of
the United States or State of Minnesota. Debts are
paid in the following order after paying costs and
charges of assignment: First, debts duethe United
States and the State of Minnesota, and all taxes levied
and unpaid, to be paid in full; Second, debts owing
for wages of servants, laborers and mechanics and
clerks for labor and service performed by ihem within
three months next preceding the date of assignment,
whichare paid in full to the exclusion of all other in
debtedness if there be sufficient wherewith to pay the
same in full. If not, they sball be paid pro rata.
ATTACHMENTS may issue from Justice's Court upon
filing bond in double thevalue of the property, and affi
davit of plaintiff or some person in his behalf that he
has good reason to believe: 1st, that defendant is a
non - resident corporation ; 2nd, that defendant is not a

resident of this State and has not resided therein for tbree
months preceding the time of making the affidavit; 3rd,
that defendant has absconded or is about to abscond
from the State ; 4th, that defendant has removed or is
about to remove his property out of the State with in
tent to defraud his creditors ; 5th, that defendant re
sides in any other county and more than 100 miles from
the residence of the Justice; 6th, that defendant con
tracted the debt under fraudulent representations; 7th,
that defendant so conceals himself that the summons
can not be served upon him ; 8th, that defendant has,
or is about to, fraudulently convey or dispose of his
property so as to hinder, delay and defraud his credi
tors. In attachments in District Courts plaintiff's affi:
davit must state facts and can not be made on informa
tion and belief as in Justice's Courts. Arrest for debt
is not allowed in this State .
COURTS. Terms and Jurisdiction . District Courts ,
holding one or two terms a year in each iorganized
county, (three in Ramsey and Hennepin countes), have
original jurisdiction in all civil actions involving over
$ 100; in all actions where a Justice has not jurisdic
tion, without regard to amount; and in all equitable
actions and proceedings. A Probate Court with usual
powers is established in each organized county, and
holds term on the first Monday of each month. Justice's
jurisdiction, $ 100.
EXECUTIONS may issue from District Courts at any
time within ten years after judgment, and to any county
where a transcript has been docketed . Executions are
returnable in sixty days. Personalty is first levied on,
and is sold on ten days notice ; realestate after six
weeks publication. In Justice's Courts execntion may
issue ten days after entry of judgment, returpable in
thirty days, and renewable from time to time for
periods of thirty davs . In courts of record six months
stay is granted on defendant filing bond with two free

COMMERCIAL LAWS.

hold sureties, approved by the court, conditioned to
pay amount of judgment with costs, and interest
at the rate of ten per cent. per annum Stay in
Justice's Courts may be had in same manner, where
judgment is under $10. one month ; $ 10 to $ 25, two
months; $25 to $ 50, three months; $ 50 to $ 75 , four
months ; over $75, six months. Real estate sold on
execution is subject to redemption for one year from
date of sale.
EXEMPTIONS. Homestead of eighty acres in country;
half an acre if in city , town or village not incorporated,
and of less than 5,000 inhabitants , and one ſot if in
larger cities , towns, or villages, with dwelling house
thereon, without regard to value. Wearing apparel,
books, pictures and furniture, up to $ 500 ; three cows ,
ten swine , twenty sheep, and wool from the same, a
yoke of oxen and a horse, or, in lieu thereof, a span of
horses or mules ; necessary food for stock for one year ;
wagon, plows and farming utensils up to $ 300 ; one
year's seed grain not exceeding 150 bushels in all, and
provisions for family for one year. The tools and in
struments of a miner, mechanic or other person, and
stock in trade up to $ 400 ; library and instruments of a
professional man ; $ 20 wages of laboring man 0
woman , for services rendered within ninety days pre
ceding the issue of process. Also, where the debtor is
a printer, publisher or editor of a newspaper, all the
presses, stones, type, cases and other tools and imple
ments not exceeding $ 2,000, and stock in trade up to
$ 400.
INTEREST. Seven per cent. is the legal rate of in
terest upon every legal indebtedness, including judg
ments and accounts . Since July 1, 1879, the highest
rate of interest allowed to be taken by specialcontract
is ten per cent. The penalty for usury is forfeiture of
the entire amount of the note or other instrument, and
of all interest.
JUDGMENTS . If no defense is made, judgments can be
obtained at the expiration of twenty days, and upon
being docketed in the office of the Clerk of the court,
they become liens upon all real estate of the debtor in
the county where docketed, owned by him at that time
or afterwards acquired, for ten years after date of
docketing, and can be enforced during that time by
execution against the real or personal property of judg
ment debtor.
LIMITATIONS TO SUits. On contracts, express or im
plied , six years ; on judgments or to foreclosemortgage,
ten years ; real actions, twenty years. Revivor : Part
payment or new promise in writing.
MARRIED WOMEN. All property acquired by wife be

fore or after marriage remains her separate estate,
neither controlled by nor liable for the dents of her hus
band . Married women are held on their contracts and
bound by them the same as if unmarried ; except, a
married woman can not sell her real estate, or make any
conveyance of land other than a mortgage for the pur
chase money or a lease for three years or less, without
her husband joins in the conveyance. Estates in dower
and by the curtesy are abolished, and the surviving wife
or husband is entitled to the homestead for life free
from debts of the deceased, and to one equal un
divided one-third of all other lands of which the de
ceased was seized during coverture, subject to payment
of lawful debts of the deceased, but free from any
testamentary or other disposition .
MORTGAGES on real estate must be recorded , and are
foreclosed by action or publication. A year is allowed
for redemption. Chattel mortgages are void as against
creditors and subsequent mortgagees and purchasers
in good faith, unless acknowledged and filed with the
Town or City Clerk, both where property is situated
and where mortgagor resides. They are then valid ,
butcease to be notice after two years from date of filing:
NOTES AND BILLS OF EXCHANGE. On all bills of
exchange, payable at sight, or at a future day certain ,
and on all negotiable promissory notes , orders and
drafts pavable at a future day certain, within this State,
in which there is no express stipulation to the contrary,
grace is allowedaccording to the custom of merchants.
No grace ondemand paper. Damagesfive per cent. on
domestic and ten per cent. on foreign paper protested.
Suits . There is only one form of action, and all
civil actions must be prosecuted in the name of the real
party in interest, except suits by administrators, etc.
Full name of plaintiff must be furnished . Process to
commence suit in the District Court must be served on
the debtor twenty days hefore judgment can be taken
by default, except action for divorce , when summons
must be served at least thirty days before defendant
will be in default.
TAXES. Taxes become due and payable Dec. 1 , per
sonal property tax delinquent March 1. Real property
tax delinquent June 1, penalty of 5 per cent. attached
on personal property March 1, and on real property of
10 per cent. after June 1, County Treasurer to levy
distress on goods and chattels and sell the same at
public vendue for personal property tax, and real
estate is sold for tax on third Monday in September
each year, and is subject to twoyears redemption. Tax
judgments draw interest at the rate of one and one
half per cent. from date of sale.

MISSISSIPPI .
(A New Code goes into effect November 1, and will be noted in full in January, 1881, Edition . )
ACKNOWLEDGMENTS may be certified and proven be
to be first satisfied . Plaintiff must furnish bond and
fore any of the Judges of the Supreme Court of the make affidavit as to one or more of the grounds of at
United States, or any District Judge of the United tachment specified above. There is no arrest or im
States ( Code, 1871 , sec. 2312), or a Judge of the Supreme prisonment for debt in Mississippi.
or Superior Court in any State or Territory , any Jus
COURTS . Terms and Jurisdiction . Circuit Courts,
tice of the Peace, or Notary Public (Acts of 1876, p. 77) , holding at least two terms a year in each county, have
whose official character shall be certified to under the jurisdiction for the collection of all claims over $ 150.
seal of some court of record, or by any commissioner Tbe State is divided into ten Chancery Court districts,
appointed by the Governor of Mississippi. A married and the Chancery Courts have full equity and probaté
woman, on a private examination, must acknowledge jurisdiction . Justice's courts have jurisdiction for the
that she signed, etc., without fear, threat or compul collection of debts up to $150.
sion ofher husband. Garnishee process will issue in
EXECUTIONS issue in courts of record within twenty
aid of attachment or execution .
days after the adjournment of court for the term ,unless
ASSIGNMENTS AND INSOLVENCY. No insolvent law. otherwise ordered by the plaintiff, and in Justice's
Debtor may make assignments to secure creditors, and Courts after the lapse of five days from judgment ren
may prefer one creditor over the remainder, but the as
dered, unless recovering party makes affidavit that he
signment must be bona fide , and no benefit, direct is in danger, by delay, of losing his debt or demand, in
or indirect, may be reserved to the debtor. All which case execution issues forthwith . There is no
conveyances or assignments made with intent to de
stay law in Circuit Courts, but executions issued by
fraud creditors are void . There is no provision for the Justices may be stayed for sixty days on sums over $50,
discharge of a debtor on his making an assignment .
and for thirty days on less amounts , by defendant giving
ATTACHMENT. The property of a debtor who is a secured bond, such stay operating as a waiverof appeal
non -resident, or who removes or is about to remove and all errors of the judgment. No redemption of lands
himself or property, who absconds or conc a s himself, orother
property sold
under exemption or mortgage.
EXEMPTIONS
or who assigns or disposes of his property, or some
. Residence of householder having a
part thereof, or is about to assign or dispose of pis family, eighty acres in country or residence and lot in
property, or who has property or rights in action which city, town or village, in po čase exceeding, with im
he conceals and unjustly refuses to apply to the pay
provements, $ 2,000 in value. Tools, farming imple
ment of his debts, with intent to defraud his creditors ments , wearing apparel ; libraries of attorneys, physi
or give an unfair preference to some of them , or who cians, and ministers, and instruments of surgeons and
has converted or is about to convert his property into dentists, $ 250; sewing machine, two horses or mules,
money or evidences of debt, with the intent to place it or one yoke of oxen , two cows and calves, five swine,
beyond the reach of creditors, or who has fraudulently five sheep with certain food and provisions, wagon or
contracted the debt or incurred the obligation for cart $100, household furniture $ 100, and wages of daily ,
which fuit has been or is about to be brought, may be monthly or yearly laborer $ 100 ."
attached . Non -resident creditors have the samerights
INTEREST. The legal rate of interest is six per cent.
of attachment as resident creditors , whether the debtor per annum , but parties may contract in writing for ten
be resident or non - resident. The first attachment on per cent.; when more than ten per cent. is stipulated
the property holds against all sn bsequent ones, and is for, the excess is usurious and can not be enforced.

COMMERCIAL LAWS.

JUDGMENTS when enrolled in Circuit Clerk's office
become liens on defendant's property within the
county,and may be extended to othercounties by filing
certified abstracts of the judgment. Lien continues
seven years.
LIMITATIONS OF SUITS . Open accounts, accounts
stated and verbal contracts, three years; contracts not
under seal , express or implied, six years ; bonds, notes
and contracts under real and awards of arbitrators,
seven years ; judgments and decrees rendered in
another State against resident of this, three years ;
rendered in this, seven years ; real actions, ten years .
Revivor: An acknowledgment of the debt or new
promise in writing.
MARRIED WOMEN retain their separate estate, real
and personal, however acquired. A married woman
can not be sued upon her contracts, nor can she incum
ber her separate estate for her husband's debts, even by
joint trust deed or mortgage. But where she engages
in business as a trader, she may be sued and she is
liable
contracts
for supplies
for the etc.
family,
educa
tion ofonchildren
, household
Deed
furniture,
to
homestead is void unless she joins, but the husband
can convey all other of his real estate without her join
ing. Widow takes dower in all lande, tepements, and
hereditaments of which her husband died seized - one
third if there are children or descendants of children ,
and one -half in fee simple if there be none. If the
husband dies intestate, leaving no children nor de
scendants of children, widow is entitled to his entire
estate, real and personal , in fee simple. The same rules
of descent regulate both realty and personalty .
MORTGAGES do not take effect as to creditors or par

chasers in good faith and without notice until they are
delivered to the Clerk for record . Mortgages are fore
closed by bill, and there is no provision for redemption .
Chattel mortgages must be recorded, or possession of
the property must pass .
NOTES AND Bills OF EXCHANGE must be protested,
and notice of non -payment given substantially as at
common law, to bind parties entitled to notice. For
eign bills of exchange payable out of the United States,
protested for non -acceptance or non- payment, draw ten
per cent . damages and legal iuterest; bills drawn pay
able in the United States, protested for non-acceptance,
draw
damages
at the rate of five per cent. besides legal
interest
.
Suits. Forms of action are as at common law, but
simplified by the abolition of fictitious pleadings . Ser
vice must be had both in Circuit and Justice's Courts
five days before the court sits .
Taxes . Personal property is assessed once a year ;
real estate every four years, and taxes constitute a prior
lien on both real and personal property : Taxes are
due on or before December 15 of each year , and
personalty can be sold on five days' notice. Where
there is no personalty, land of the tax-payer is sold by
the Collector on the first Monday of March following.
The owner or any one interested in any lands sold for
taxes , may redeem withio one year af
he day of sale,
on the payment of all taxes. costs, fees and interest, at
the rate of one andone-half per cent. permonth from
the date such lands became delinquent for the non -pay
ment of taxes.

MISSOURI .
ACKNOWLEDGMENTS are takenin Missouri, by a court , INTEREST. The legal rate is six per cent. , but parties
having a seal, or Judge, Justice or Clerk thereof, Notary may contract in writing for not to exceed ten per cent.
forfeiture of the interest at
Public, or Justice of the Peace of county wherein land The penalty for usury is the
is situated. If out of Missouri , but in United States, ten per cent to the common schools, and the recovery of
by a Notary Public, State or Federal court, having a costs by the defendant. Judgments bear interest at the
seal, or Clerk of such court, or Commissioner appointed rate of six per cent. per annum . If the contract sued
by Governor. If without United States, by any court on calls for a higher rate-- not exceeding ten per cent. having seal , of State , Kingdom or Empire, or chief the judgment thereon may be made to bear the rate of
officer of any city or town having a seal, or any Minister interest so agreed on . An open account bears interest
or Consul of United States, or any Notary, having a at the rate of six per cent. per annum from the time
seal .
when demand for payment is made.
JUDGMENTS of courts of record are liens upon real
ASSIGNMENTS AND INSOLVENCY . An insolvent may
make a voluntary assignment for the benefit of all cred estate of defendant within the county, and may be ex
itors, and assignee must file inventory of assets within tended to other counties by filing transcript. Judg .
fifteen days after execution of deed of assignment and ments of Justices of the Peace are liens on realty after
give secured bond within three days. Assignee fixes a transcript is filed in Circuit Clerk's office. Lien con
day for hearing claims, and g ves notice thereof by tinues three years from rendition of judgment , and may
publication for three months. Circnit Court has super be renewed for two years by scire facias. Judgment
vision of all assignment proceedings. Debtor is not may
be renewed within ten years for an additional pe
discharged from his liabilities except by consent of riod of ten years .
creditors.
LIMITATION OF SUITS . Open accounts and all prom
ATTACHMENTS will issue in aid of summons when ises not in writing, five years; contracts and instruments
defendant is non -resident or a foreign corporation , or in writing, ten years; judgments and decrees of courts
conceals , absconds, or absents himself, removes or at. of record, twenty years. Revivor : New promise in
tempts to remove, sell , convey or assign property with writing or part payment.
MARRIED WOMEN hold their real and personal prop
intent to defrand, hinder or delay creditors , or where
the debt was frau lulently contracted Writs of attach erty free from control of the husband, and not liable for
ment may be levied by garnishing a debtor of the de his debts, but through the intervention of a trustee.
fendant. There is no arrest for debt in any case.
Wife is liable for her ante-nuptial debts. A married
COURTS. Terms and Jurisdiction . Justice's Courts, woman can make contracts in her own name, buy goods,
in counties having over 50,000 inhabitants , have juris and give notes in settlement of purchases binding her
diction on contracts and torts to extent of $ 250, and of own separate property, both real and personal . Widow
all actions against railroads for killing or maiming takes dower in one-third for life of all the husband's
stock, irrespective of value. In counties having less lands .
Mortgages and deeds of trust must be executed and
than 50,000, in all cases both of contract and tort to the
extent of $ 150, and against railroads for killing or acknowledged like other deeds, and must be recorded.
maiming stock irrespective of value . Circuit Court The usual form of security is a deed of trust, by which
has unlimited general jurisdiction exceeding $ 50. In the property is conveyed to a trustee, with power to sell
some counties there are local courts, called Common without intervention of the court. Chattel mortgages
Pleas, of concurrent jurisdiction with the Circuit Courts are void as to creditors of the grantor and purchasers
over certa n districts. Circuit Court holds two to three without notice, unless possession of the property passes
terms annually (in St. Louis five ). There is a Probate to and is retained by the mortgagee, or the mortgage or
Court in each county, with the usual powers.
deed is recorded . Real property sold under deed of
EXECUTIONS may issue at any time within ten years
trust without foreclosure, may be redeemed within one
from the time judgment is rendered; are returnable to year if bought in by the cestui que trust or his assignee,or
The next term ofcourt after they are issued. Execetion by any person for them or either of them --if boughtby
from Circuit Court not a lien upon personal property a stranger there is no redemption. Unless evidenced
until levied. Execution from Justice's Court a lien by writing, executed, acknowledged and recorded as
upon personal property as soon as placed in hands of provided in cases ofmortgages of personal property, all
Constable. There is no stay of execution. Real estate sales ofgoods and chattels, unless accompanied by a de
taken under execution is sold without appraisement, to livery of possession within a reasonable time, are fraud.
the highest bidder.
ulent and void as against vendor's creditors and subse
EXEYPTIONS. To heads of families : Personal prop quent purchasers in good faith. All conditional sales,
erty , various articles and stock namud, or else if chosen leases, rentings or hiring of personal property unless
by debtor, in value $300 ; homestead ; 160 acres in evidenced by writing, executed, acknowledged and re
squarə rods in city of less than 40,000 corded as provided in mortgages of personal property,
country, or thirty
are void as to creditors and absequent purchasers in
inhabitants, either in value $ 1,500; cities over 40
good faith.
eighteen square rods, value $ 3,000.

COMMERCIAL LAWS.
NOTES AND Bills OF EXCHANGE. Upon protested
bills and upon notes that have been negotiated, the fol
lowing rates of damages can be recovered if the bill or
note is over due twenty days before suit is begun : 1st, if
drawn upon a party in this State,four per cent. ;. 2d , if
drawn upon a party out of this State and within the
United States, ten per cent.; 3d , if drawn upon a party
out of the United States , twenty per cent. The destruc
tion of a bill by the drawee , or refusal to return it within
twenty -four hours after presentation for acceptance, is
taken to be an acceptance. Damages for
est are
allowed only to holders for value or their assigns. No
days of grace are allowed on sight bills or orders .
Public holidays are January 1 , July 4 , December 25,
General Election day and Thanksgiving day ; and notes
or bills falling due upon a Sunday or public holiday are

payable on the next day, unless the latter be also a Sun
day or holiday, in which case they are payable on the
day preceding actual maturity.
Šults for collection of debts may be brought by sum
mons in the county where defendant resides, or in the
county where plaintiff resides, if defendant can be found
there ; where there are several defendants, in any
county in which one of them resides, and when defend
ants are non -resident, then in any county. Names of
individual plaintiffs must be furnished, and a bond
given for costs non - residents.
Taxes remaining unpaid after December 31 , are sub
ject to a penalty of one per cent. per month until paid.
Tax and penalties are alien upon property assessed,
which may be sold after January 1 .

MONTANA .
ACKNOWLEDGMENTS. Every conveyance in writing
of, or affecting, real estate, must be acknowledged or
proved and certified. Within the Territory acknowl
edgments may be made before the Secretary of the
Territory, any Judge or Clerk of a court having a seal,
a Notary Public, Justice of the Peace or County Clerk.
Elsewhere in the United States, before some Judge or
Clerk of any court of the United States, or of any State
or Territory having a seal , or a Commissioner of Mon
tana.
ASSIGNMENTS AND INSOLVENCY. There is no general
law permitting an assignment by an insolvent, except
when he has been arrested in an action, when he may
assign his property to receive his discharge.
ATTACHMENTS . An attachment may be sued out at
the time of issuing the summons, or at any time after
ward, before judgment, upon the creditor, or some one
in his behalf, making affidavit, showing that the debtor
is owing the creditorupon a contract, express or implied,
for the payment of money, or property, then due, which
is not secured by a mortgage, lien or pledge upon real
or personal property, stating the amount of the indebt
edness, (as near as may be ) . Befor the attachment
can issue, an undertaking on the part of the creditor
must be executed and filed in a sum not less than
double the amount claimed . Any person indebted to,
or having possession of property belonging to a judg,
ment debtor, may be compelled by summary order of
court to apply the same on account of the judgment.
Arrest in civil cases may be had in cases of fraud, or
where the action is for willful damage to person , char
acter or property , or in actions for fine or penalty, or
for money fraudulently misappropriated by a public
officer or fiduciary agent, or where defendant has
removed or disposed of his property, or is about to do
so with intent to defraud creditors.
COURTS. Terms and Jurisdiction. Territorial Dis
trict Courts holding two terms a year in each county,
( three in Deer Lodge county,) have original jurisdiction
in all civil cases where above $ 50 are involved. Probate
Courts are held in each county , with regular probate
terms on the first Monday in January, March ,July,
September and November. They have also jurisdic
tion within the county in civil actions up to $300, except
where land titles are concerned , and are always open
for civil business. Justice's jurisdiction, $ 100.
EXECUTIONS issue at any time within five years, and
to any county, and are made returnable in not less than
ten nor more than sixty days. Personal property is
first levied on , and is sold after five days notice.
There is no stay law. Six months are allowed for re
dumption of real property sold under execution.

EXEMPTIONS. Homestead , not exceeding 160 acres
in country; half an acre , if within a town plat, city or
village, and in each case limited to $ 2,500 . Usual per
sonal schedule, and to farmer, implements, stock ,
seeds, etc. , $ 800 ; tools, teams and libraries of me
chanics, business and professional men ; dwelling of
miner, $ 500 ; his tools and machinery, $ 500 ; wages of
laborer for thirty days preceding the levy, where neces
sary for the support of the family, are also exempt.
Only married persons or the heads of families can
claim the exemption under the Homestead claim .
INTEREST. There are no laws fixing or limiting the
rate of interest. Ten per cent. per . annum is collecta
ble on bonds, bills, promissory notes, or other instru
ments in writing after they become due, and on judg.
ments from date of rendition ; also on money lent,
money due on settlement of accounts and ascertaining
the balance due; on money received for the use of
another and retained without the owner's knowledge ;
and on money withheld by an unreasonable and vexa
tious delay . In all cases other than those enumerated,
the party seeking to recover interest
must show that
was due au that the detentio of it was by an un
reasonable and vexatious delay which must be alleged.
JUDGMENTS are a lien from time of docketing on all
real property of debtor within the county, and on all
which may be afterward acquired by him , lien expiring
in six years. A certified transcript filed with the Re
corder of another county extends the lien to such
county.
LIMITATIONS OF SUITS . Upon contract or account not
in writing, two years ; contracts, obligations or instru
ments
in writing, judgmeats and decrees of any court,
six years
. Revivor: Part payment, acknowledgment
or promise in writing.
MARRIED WOMen can conduct business s'parate and
apart from their husbands, with their separate prop
erty. Their separate property is exempt from all debts
and liabilities of their husbands, unless for necessary
expenses of her family and children , but a list of such
separate property must be filed in the office of the Re
corder of the county .
MORTGAGES . Chattel mortgages must be recorded
within the county, and are good for one year only:
Notes and BILLS OF EXCHANGE. Foreign and inland
bills of exchange and promissory notes are negotiable,
and commercial paper is subject to the law merchant as
to protest, grace, etc.
Suits . Practice is under a Code similar to that of
California . Where defendant is non-resident, evades
service, or can not be found , service may be had by
publication .

NEBRASKA .

ACKNOWLEDGMENTS may be made within the State fully execute his trust. Coart appoints appraisers , and
before Judges, Clerks of court, Justices of the Peace,
general supervision of all proceedings . All assign
and Notaries Public. Elsewhere within the United has
ments are general in their character, and conditions
States, before a Commissioner appointed by the Gov for the payment of such creditors only as shall execute
ernor of this State for that purpose, or before any offi a release are void. Assignee must give bond in double
cer appointed according to the laws of the State or the amount of the appraised value of the estate as .
Territory wherein the deed or other instrument in writ signed. Any preference by assignment (except for
ing is executed and acknowledged. Deeds executed in payment of wages of labor not exceeding severally
foreign countries may be made according to the laws $ 100) is void. If the assignment is not recorded in the
thereof and acknowledged before any Notary Public, County Clerk's office within thirty days after its exe
or ministerial officer, commercial agent, or Consul, cution, it is void as to creditors of assignor and bona
appointed to reside therein.
fide purchasers.
ASSIGNMENTS AND INSOLVENCY. There is no insolv
ATTACHMENTS. Attachment process will issue when
ent law . Assignments for benefit of creditors are defendant is non-resident or a foreigu corporation, when
regulated by Act of Feb. 19, 1877, under which assignee the claim is on debt or demand arising on contract,
must file sworn inventory of assets in District Clerk's jądgment or decree ; and in other cases when he is
office within thirty days, and must give bond to faith about to remove, assign or dispose of property, has

COMMERCIAL LAWS.

absconded, etc. In all cases of attachment an affidavit hermarrlage,and any real or personal property which
must be filed before the order of attachment issues, and shall come to her by descent, devise, bequest or gift of
a bond must be filed in double the amount of the debt, any person, except her husband (excepting marriage
excepting when the debtor is a non-resident of the settlements ), shall remain her sole and separate prop
State. The body of the debtor may be attached for erty, notwithstanding her marriage, and not be subject
fraudulently concealing or removing his property, or to the disposal of her husband, or liable for his debts.
when he has fraudulently contracted the debt or in She may bargain and sell and enter into contracts with
curred the obligation for which suit is brought. Gar reference to any of her separate property in the same
nishee process may be had either in aid of attachment manner, to thesame extent, and with like effect as a
or execution.
married man in relation to his real and personal prop
COURTS. Terms and Jurisdiction. District Courts erty . She may sue and be sued the same as if unmar
have original jurisdiction in all matters exceeding $100, ried, and carry on any trade or business, or perform
and concurrent jurisdiction with Justice's and County labor on her sole or separate account, and her earnings
Courts where the debt is over $ 50 and not exceed are not subject to the husband's debts or control.
ing $ 100 . Regular terms of County Court begin on Widow takes dower or the use, during her natural life,
first Monday of each calendar month , lasting to ihird of one -third part of all the lands of which her husband
Monday, when all causes not disposed of go over to was seized of an estate of inheritance during marriage,
the next regular term. By the constitution of 1875, upless she is lawfully barred thereof. Husband takes
County Courts are made courts of record, and given a curtesy in his wife's lands , but all of a married woman's
civil jurisdiction up to $ 1,000, and Justices of the Peace obligations must relate to her separate estate, or be
are given a jurisdiction up to $ 200, but there has been incurred in the transaction of her own trade or busi
no legislation under these clauses. County Courts ness . She can not become endorser, surety or guarantor
for another. Nor can she be held liable for the debts
have full probate powers .
EXECUTIONS for the enforcement of judgment may of her husband, even though specifically engaging to
issue at any time. Executions on all judgments ren pay the same.
MORTGAGES must be recorded, and are foreclosed by
dered by Justicesof the Peace may be stayed as follows :
On judgments of $5 and under, for the period of sixty suit. No redemption of lands sold under foreclosure.
days; on judgments over $ 5 and not exceeding $ 50, for Chattel mortgages are void against creditors and bona
ninety days;over $50 and not exceeding $ 100 , for six fide purchasers unless the instrument , or a true c py
months. "In District Court stay of execution on judg thereof, is filed with the County ( lerk, and cease to be
ments for money only (except error and appeal cases valid against creditors, mortgagees, and purchasers in
and against persons for money received in a fiduciary good faith , in five years from the time of filing. Chat
capacity or for breach of any official duty ) may be had tel mortgages contain ng power of sale may be fore
for three months where judgment does not exceed $50 ; closed without proceedings in court Conditional Sales .
six months over $ 50 and not exceeding $ 100 ; nine All sales, contracts or leases of personal property on
months over $ 100. "Stay bond has the force and effect of condition are void against purchasers and judgment
a judgment confessed against the property of sureties. creditors of vendee or lessee, unless in writing, signed
In all cases of stay of execution , an undertaking with by vendee, and copy filed in office of County Clerk, which
sureties must be entered into by the party desiring the copy shall have vendor's affidavit of name of vendee,
stay, conditional for the payment of the judgment, description of property and true interest of vendor or
costs, and interest at ten per cent . , excepting in cases lessor therein . Such contracts cease to be valid in five
of foreclosure of mortgages on real estate, and orders years unless re-filed thirty days before expiration thereof.
for a specific performance where the title to real estate This does not apply to chattel mortgages
NOTES AND BILLS OF EXCHANGE . All negotiable
isconcerned, in which case no undertakingis required.
There is no redemption, not even in cases of reversal of paper shall be entitled to three days graceand demand
judgment.
on third day of grace or of acceptance, if the instru
EXEMPTIONS . Homestead not exceeding in value$ 2,000, ment is a sight draft ; and notice of non -payment or
consisting of the dwelling-house in which the claim
non -acceptance thereof to the indorser,within a reason
ant resides and its appurtenances, andthe land on which able time, shall be adjudged due diligence to hold the
the same is situated ,not exceeding 160 acres if in the indoreer, unless the indorsement shall express in writ
country or two (2) contiguous lots in an incorporated ing other conditions. Damages allowed on protested
city or village, is exempt from judgment liens and froin bills against drawer only ; domestic, 6 ; foreign, 12 per
execution or forced sale (except on debts secured by cent. Jan. 1, Feb. 22, July 4. Dec. 25, and any day of
mechanic's, laborer's or vendor's liens on the premises;
Fast or Thanksgiving appointed by the Governor of this
and on debts secured by mortgage thereon, executed by State, or the President of the United States, (and when
both husband and wife or an unmarried claimant) . If any one of these days shall occur on Sunday, then the
debtor has no lands he may claim $500 worth of person Monday following) shall be deemed public holidays, and
al property . Clothing, necessary fürniture, supplies for be treated as Sunday. Provided, that when any of these
family for six months, certain domestic animals, tools, days shall occur on Monday, auy paper due on such
implements of trade, etc., are exempt, also sixty days' Monday shall be due and payable the day thereafter.
SUITS . The distinction between actions at Jaw and
wages of any laboring man or clerk .
INTEREST. Legal interest is 7 per cent. per annum, suits in equity has been abolished, and there is but one
or any rate on express contract not greater than 10 per form of action , known as a civil action, and commenced
cent., and inadvance if so contracted for. Judgments by filing petition and causing summons to be issued
and decrees for the payment of money , 7 per cent. If thereon. The code is very similar to that of Ohio. A
not specified, but it contracted for, they bear interest at non - resident person or corporation having anyinterest
a rate not exceeding the amount allowed by law. Un in land, may appoint an agent resident therein by in
settled accounts bear interest after six months from strument acknowledged as a deed filed with County
date of last item . The penalty for usury is to pro Clerk in the county where the land lies. Service in
hibit the recovery of any interest on the princípal, such case is made upon the agent, as in oi her cases of
or of any costs in the action . The principal can be re residents, and any publication of service against such
covered
.
non -resident owner is invalid.
JUDGMENTS of courts of record ( except County
TAXES upon realty are a lien from and including
Courts ,) are liens on the debtor's lands within thecounty the 1st day of April inthe year in which they are levied
for five years from the first day of the term at which they until the sameare paid, and become delinquent on May
from the date of 1 of the following year. Taxes upon personalty become
are rendered ; confessed judgments
confession If execution is issued within five years, a lien from the time the tax-books are received by the
then fiye years after the date of last execution .
Tax Collector, (Oct. 1 , in the year in which they are
LIMITATIONS TO SUITS. Upon verbal contracts , ex levicd. ) Persons holding tax -liens may foreclose the
press or implied , four years ; specialty or promise in same in same manner as a mortgage , any time within
writing, or foreign judgments, five years ; real actions , five years from date of tax-sales. Redemption from
ten years. Revivor: Part payment or an acknowledg. tax - sale may be made at any time within two years from
ment, or any promise to pay in writing. Absence of sale, upon payment of principal sum and interest at
20 per cent. per annum, and the limitation of recovery
defendant from State suspends statute .
MARRIED WOMEN. The property , real and personal, is three years from date of tax deed .
which any woman in this state may owu at the time of

COMMERCIAL LAWS.

NEVADA.

ACKNOWLEDGMENTS may be taken within the State
by a Judge or Clerk of a court having a seal , or by a
Justice of the Peace or Notary Public. If without
the State, but within the United States, by a Judge
or Clerk of a court having a seal, or some Notary
Public or Justice of the Peace, or by any Commissioner
appointed by the Governor of this State for that pur
pose. Provided , that when the acknowledgment is
taken by a Justice of the Peace, the same shall be
accompanied by the certificate of the Clerk of a court
of record of the county, having a seal, as tothe official
character of the Justice and the authenticity of his
signature. If without the United States, by some
Judge or Clerk of any court of any State, Kingdom or
Empire having a seal , or by any Notary Public therein ,
or by any Minister, ' Commissioner or Consul of the
United States, appointed to reside. therein
.
ASSIGNMENTS AND INSOLVENCY Insolvent debtors
may be discharged from their debts by complying with
provisions of Insolvent Laws : An assignment of in
solvent debtor, not in compliance with Insolvent Laws ,
is void as to creditors.
ATTACHYENTS . Writ of attachment may be issued
with summons, or at any time afterwards on affidavit
and bond : In an action upon a contract for the direct
payment of money, made, or by the terms thereof pay
able , in this State, which is not secured by mortgage,
lien , or pledge upon real or personal property, situated
or being in the State; if so secured , when such secu
rity has been rendered nugatory by the act of the
defendant; or in an action upou a contract against a
pro
State . Garnishee
not had
residing
defendant
A fraudulent
attachment.
in aidinofthis
may be
cess
or absconding debtor, or one whoconceals his property,
or removes or disposes of it with intent to defraud his
creditors, may be arrested on affidavit of the fact
made; surety in not less than $ 500 being given by the
plaintiff.
COURTS. Terms and Jurisdiction . District Courts,
holding two to four terms a year in each organized
county, have original jurisdiction in all cases in equity,
also in law, when the title or possession of land or
mining claims may be involved,or legality of any tax,
etc., also in actions to foreclose mechanics' lien; and
in all cases in which the demand, exclusive of inter
est, or the value of the property in controversy ex
ceeds $ 300; also in all cases relating to estates of
deceased persons, andpersons and estates of minors,
iusane persons, etc. Justice's jurisdiction, $ 300.
EXECUTION - Stay of Execution ; Judgments. The
laws of Nevada on these points are similar to those of

California (see ante ] , except that when redemption is
made of real estate , 18 per cent. must be paid in addi
tion to purchase money .
EXEMPTIONS. Homestead , $5,000. Personal and
mining property , tools, implements, etc. , exempt same
as in California (which see ].
INTEREST . The legal rate is ten per cent. per annum,
but parties may contract in writing for the payment of
any other rate. After a judgment on such a contract,
only the original claim shall draw interest .
LIMITATIONS OF SUITS. Open or store account and
contract not in writing, two years ; upon contract or
instrument of writing, four years ; recovery of mining
claims, two years ; real actions, or judgment or decree
of any court,five years. The above applies to contracts
before March 2d, 1877; to contracts since that date ( the
above periods), two years extended to four, and four
and five respectively to six years. Revivor: 'Acknowl
edgment or new promisein writing.
MARRIED WOMEN. All property of the wife, owned
byher before marriage, and that acquired afterwards by
gift, bequest, devise or descent, her separate prop
erty ; all otherproperty acquired during coverture by
husband or wife, common property, but controlled by
husband.
MORTGAGES must be recorded . No mortgage of per
sonal property is valid unless possession is delivered to
and retained by the mortgagee, except that growing
crops may be mortgaged by the execution, acknowledg.
ment and recording of a mortgage instrument without
such possession . Mortgages of real estate can only be
foreclosed by action for foreclosure.
NOTES AND BILLS OF EXCHANGE. Protest and notice
will hold the indorser, and the general statute of limita
tion , six years, is the limitation of the right of action .
Fifteen per cent. damages are allowed on domestic, and
twenty per cent. on foreign bills protested . Grace is
not allowed on sight drafts.
SUITS . Practice is under a Code, and there is but one
form of action, known as a civil action , and commenced
filing complaint
by
with the
Clerk non-residents
court, and the
issuance
of a summons
. Service onof the
may
be had by publication.
the
and
assessed
property
the
Taxes are a lien upon
real estate of the owner thereof from the third Monday
of April in each year. Suits for delinquent taxes may
be commenced by direction of the County Commission
ers, and there is redemption of real estate sold at tax
sale in the same manner as realty sold under ordinary
execution.

NEW HAMPSHIRE .
ACKNOWLEDGMENTS of deeds or other conveyances of $13.33, and full equity powers . There are Probate
real estate must be made before a Justice, Notary Courts with the usual jurisdiction in every county.
Public or Commissioner, or in foreign countries before Justices of the Peace huve jurisdiction up to $ 13.33.
a Minister or Consul of the United Siates . The signa Police Couris have jurisdiction to the amount of $ 100.
EXECUTIONS may be taken twenty -four hours after
ture of the grantor must be attested by two or more
witnesses.
judgment, and are returnable before Justice's and
ASSIGNMENTS AND INSOLVENCY. No insolvent law. Police Courts in sixty days; before Supreme Court, at
Assignments must be for benefit of all creditors alike, the next trial term of court. A review may be granted
and assent of creditors is presumed after thirty days. by the court when injustice appears to have been done
Assignee must, within ten days, file schedule of assets through accident, mistake or misfortune. Real prop
and liabilities, and all claims must be certified under erty taken under execution may be redeemed within
oath within six months. Dissenting creditors take no one year.
EXEMPTIONS. Homestead to the value of $ 500 ; neces
benefit under the assignment, but retain their claims,
and whatever liens they have obtained upon the prop sary apparel and bedding and household furniture to the
value of $ 100, Bibles and school books iu use in the
erty.
ATTACHMENTS of all real and personal property may family, library to the value of $ 200; oue cow , one hog ,
be made on the original writ, and constitute a valid lien and one pig, and pork of same when slaughtered ; tools
on the property forthirty days after judgment, within of occupation to the value of $ 100 ; six sheep and their
which period the execution must be levied to preserve fleeces, ont cooking stove and its furniture, provisions
and perfect the lien. All attachments take precedence and fuel to the value of $ 50, and one sewing machine;
in order of priority, except in case of liens of builders, beasts of the plow not exceeding one yoke of oxen , or
contractors , etc. , when they take precedence in the a horse, and hay not exceeding four tons .
INTEREST. At the rate of six per cent . per annum,
order of priority of the lien. Trustee process (analogous
to garnishment in other States ) may be used to reach unless a lower rate is stipulated . If any person , upon
money or credits of the defendant in the hands of an any contract, receives interest at a higher rate than six
other. Save as against claims for necessaries the wages per cent., he forfeits three times the excess to the per
of the defendant up to $ 20 are exempt from such pro son aggrieved and suing therefor; but no contract is
cess. In actions on contracts where debt exceeds invalidated by reason of any stipulation for usurious
$ 13.33, defendant may be arrested on affidavit of plain interest; the money actually advanced may be recovered
legal interest . Interest upon all judgments is at
tiff that he (defendant) has concealed hispropertyoris with
the rate of six per cent. per annum . Interest upon
about to leave the State to
avoid payment
of his debts.
Court, unpaid taxes is the rate of ten per cent. after the 1st
. Supreme
rs . Terms and Jurisdiction
holding from two to four terms a year in each county, day of December following their assessment , until sale
has original jurisdiction of all actions involving over of property taxed , and twelve per cent. thereafter until

COMMERCIAL LAWS.

time of redemption. Upon current accounts interest
commences from date of demand for paymeut, unless
controlled by the custom of trade, which is a question
of fact to bedetermined by a trial thereof.
LIMITATIONS OF SUITS. Accounts and simple promis
sory notes, six years after maturity ; judgments, sealed
instruments, and notes, secured by mortgage, twenty
years, Time of debtor's absence from the State is
excluded. Verbal acknowledgment and promise to pay
is sufficient to revive the debt.
MARRIED WOMEN retain all property owned by them
before marriage, or acquired afterwards in any way
except through property of the husband, to their sole
and separate use as if unmarried. All their contracts
in relation to such property are valid and binding, and
all their other contracts are binding, except those
made with their husbands , or as sureties or guarantors
for their husbands, or for and in behalfof their husbands.
Upon the death of wiſe, the husband is entitled to the
same share of her estate as she would be of his estate in
case of his death. They are liablefor debtscontracted
while single, and their property may be attached to pay
them . They are also liable for their torts before mar
riage in relation to their separate property. The hus

band is not liable for the wife's ante -nuptial debts,
and can not convey his improved real estate so as to bar
his wife's right of dower and homestead without her
consent. Married women of the age of twenty -one years
may dispose of their property by will .
MORTGAGES must be recorded, or in case of chattel
mortgages possessionmust pass to and remain in the
mortgagee.
NOTES AND BILLS OF EXCHANGE. Demand notes
must be protested within sixty days from day of their in
dorsement to hold indorsers. All negotiable paper, save
that payable on demand, is entitled to three days of
grace, and all such paper maturing on Sunday, Feb. 22,
May 30, July 4 , Thanksgiving, Fast, or Christmas day,
is due and payable on the next preceding day, and must
be so noted and protested.
Suits. If either party resides in this State an action
should be brought in the county in which one of them
resides.
Taxes become a lien upon the realty simultaneously
with their assessment (April 1 , of each year.) One year
is allowed inwhich to redeemlandsold for taxes,costs
of sale and interest at the rate of twelve per cent. per
annum being added .

NEWE JERSEY.

ACKNOWLEDGMENTS of deeds are made within the
State before the Chancellor or a Justice of the Supreme
Court, a Master in Chancery, Judge of the Court of
Common Pleas, or Commissioner of Deeds. Without
the State, before a Justice of the Supreme Court of the
United States, or a District Judge of the same, or a
Judge or Justice of the Supreme or Superior Court of
the State, District, or Territory, or before any Mayor or
Chief Magistrate of any city, or before a Judge of the
Court of Common Pleas, orCounty Court of such State,
District, or Territory, or Commissioner for New Jersey,
or any officer authorized by the laws of the State to take
the acknowledgment of lands lying in that State. In
case the acknowledgment is made before a Mayor or
chief magistrate, the certificate must be attested by the
seal of the city ; if before a Judge of the Court of Com
mon Pleas or County Court , or other officer, it must be
attested by seal of such court, and certified bythe Clerk
of the court. In foreign countries acknowledgment or
proof may be made before any court of law, Mayor, or
chief magistrate, or any Ambassador, Consul , or other
representative of the United States.
ASSIGNMENTS AND INSOLVENCY . The insolvent laws
provide for the discharge of a person under arrest for
debt or damages on his delivering up all his real and
personal property to his creditors. Assignments by
debtors for the benefit of creditors must be without
preference, and all others are void . Debtor must annex
sworn inventory. Wages of servants, clerks, and la
borers up to $ 300 are preferred claims. Assignee must
file list of creditors at the end of three months, and
make dividends at the next term of court . Creditor not
presenting claim does not share in the dividend, but re
tains his right of action against the debtor .
ATTACHMENT. A creditor may attach the property of
a non-resident or absconding debtor bymaking oath to
the fact, and to the amount of his claim , before any
officer authorized to administer oaths or affirmations.
Attachments are for
benefit of all applying credit
ors . Debts not due the
may be proved under any attach
ment issued, and receive their pro rata dividend. No
attachment can issue against the members of a copart
nership , where one of them resides in the State . Gar
nishment can be effected only in attachment cases .
Where executions have been returned unsatisfied, if
the sum due amounts to $ 50 or upwards , the Court out
of which said executions issued may on applicationof
the judgment creditor make an order compelling the
debtor to appear before the officer named and make
discovery on oath concerning his property. The judg.
ment creditor shall present to the Court a petition veri
fied by oath in which he shall state the amount due on
said execution, the return made, and his belief that the
right over and above
debtor has property in his own Arrest
on a capias can
that which is reserved by law.
only be had in case of fraud or attempted removal or
intent to defraud creditors.
disposal of property withJurisdiction
. Circuit Courts
COURTS. Terms and
and Courts of Common Pleas, holding three terms a

year in each county , have jurisdiction in all civil cases
above $ 100, except that the Court of Common Pleas has
no jurisdiction where title to lands comes into question .
The Supreme Court, holding three terms a year at
Trenton, bas also original jurisdiction in all cases, but
must recover $ 200 to carry costs. Court of Chancery
has exclusive
equity jurisdiction, and sits at Trenton
three times a year. Justice's jurisdiction, $ 200 .
EXECUTIONS issue immediately upon a rendition of
judgment, and are returnable to the next term of court.
A sale under execution , issued upon a junior judg.
ment, discharges the lien of a prior judgment, and the
purchaser takes clear title, providing there has been
no execution issued under the prior judgments and no
levy taken . The proceeds are applied to the payment
of the execution upon which the sale is had. There is
no stay of execution, except on those which are issued
out of Justice's Courts. In these courts thirty days
are allowed on sums up to $15 ; three months up to $ 60,
and six months on all sums over $ 60, by debtor giving
good security. There is no after redemption sale in
any case.
ÈXEMPTIONS. The lot and building thereon, owned
and occupied by the debtor, being the head of a family,
to the value of $ 1,000, providing that in the debtor's
deed it is set out that the property is intended for a
homestead, or else that notice to such effect is filed in
the County Clerk's office . Personal property to the
amount of $200 owned by a resident head of a family,
appraise by three persons appoint by the sheriff;
and the dwidow or administrator of aeddeceased person
may claim the same exemption of $ 200 as againrt the
creditors.
INTEREST. Legal interest on debts and judgments,
six per cent. Usury is punishable by forfeiture of all
interest and costs. Interest on an open account accrues
on each item from its date, as at common law .
JUDGMENTS become a lien on lands from time of
actual entry, and so remain for twenty years. Where
there are several judgments, that under which there is
a prior levy takes priority . Judgments recovered or
docketed in the Supreme Court , are a lien on all lands
of defendant within the State.
LIMITATIONS OF SUITs. Contracts not under seal six
years ; real actions and judgments, twenty years ; notes
secured by mortgage and contracts under real, sixteen
years . Revivor: Part payment or new promise or ac
knowledgment in writing.
MARRIED WOMEN hold and control their property,
real and personal, precisely as if unmarried. But a
married woman can not become an accommodation in.
dorser, guarantor, or surety, nor can she convey or in.
cumber real estate without her husband. A married
woman may make a will of her separate estate as if she
were sole , but can not defeat her husband's interest in
her real estate, although she can make absolute dispo
sition of her own private personal property without
regard to her husband. Widow takes dower in one
third of real estate of which her husband was seized at

COMMERCIAL LAWS.
any
during coverture , to which she has signed no
deedtime
of release.
MORTGAGES must be under seal, and the wife must
join. Foreclosure is by suit in equity, and there is no
redemption after sale under the decree. Chattel mort
gages, unless accompanied by immediate delivery and
followed by continued change of possession of things
mortgaged, are absolutely void as against creditors and
subsequent
bona fide purchasers and mortgagees, unless
said mortgage or a ue copy ereof be filed with the
Clerk or Register of the county. Within thirty days
next preceeding the expiration of one year from the
date of filing, the same must be renewed or it ceases to
be valid . Chattel mortgages must have an affidavit
annexed setting out the interest of the mortgagee,
consideration of the mortgage, and the amount due
and to grow duethereon; said affidavit to bemade by
the holder, must be acknowledged and recorded.
NOTES AND BILLS OF EXCHANGE . Inland bills of ex
change are, in general, subject to the law of foreign
bills ; they must be protested. Sight bills or drafts, ex

NEW

cept those on banking associations, have three days
grace. The action required to hold indorser is the
same as under the general mercantile law . Drafts and
notes due on a legal holiday are payable the day before
such holiday, and notice of non -payment may be given
the day after. But if the legal holiday (other than
Surday) should fall upon a Sunday or Monday, bills are
payable on Tuesday, and notice may be given on
Wednesday. Legal holidays are : Sundays, Jan. 1 ,
Feb. 22 , May 30, July 4, Dec. 25, Thanksgiving Day ,
and all days on which a general election formembers of
Assembly may be held . If any of these days happen
on Sunday, the holiday is kept Monday.
Suits are commenced by writs of summons, capias,
warrant or attachment. Service by publication may
be made in equity only.
Taxes are à lien for two years from the time they be
come payable, and lands may be sold for taxes delin
quent one year. There is a right to redemption after
one year.

MEXICO .

ACKNOWLEDGMENTS of deeds are made, if taken in
the Territory, before any Judge or Clerk of a court of
record having a seal, or before a Justice of the Peace or
Notary Public . If made without the Territory, and
within the United States, before any United States
court, or any court of any State or Territory having a
seal , or before the Clerk or Judge of any such court, the
genuineness of the signature and official character of
such Judge to be certified to under the seal of his court
by the Clerk thereof, or before a Commissioner of Deeds
for New Mexico.
ASSIGNMENTS AND INSOLVENCY. No insolvent law ;
noATTACHM
statutoryENTS.
provision
for voluntary
assignments.
Creditor
s whose demands amount to
fifty dollars or more may sue debtors by attachment ,
issued out of District Court ; when debtor is pon-resi
dent of the Territory ; when debtor has concealed him
self or absconded , or absented himself from his usual
place of abode, so that ordinary process of law can not
be served upon him ; when debtor is about to remove
his property out of the Territory, or is fraudulently
concealing or disposing, or has concealed or disposed
of the same ; when debt is contracted out of Territory
and property secretly moved into the Territory ; when
defendant is a corporation , whose office is out of Terri
tory and nothaving agent in Territory , upon whom to
serve process ; when debt was fraudulently contracted
or credit obtained by false pretenses . Money or prop
erty due the defendant, and held by others, may be
collected by garnisbment. Defendant indebted in an
amount exceeding $ 50 may be arrested on affidavit that
he is about to abscond. Plaintiff must furnish bond as
in case of attachment .
COURTS . Terms and Jurisdiction . District Courts
hold two terms a year in all the counties except Colfax
county, and have unlimited common law and chancery
jurisdiction . There are Probate Courts with the usual
powers, holding four terms a year. Justice's jurisdic
tion, $ 100.
EXECUTIONS may issue at any time within a year and
a day, and to any county in the Territory. From
District Courts are returnable in sixty days, and from
Justice's Courts in thirty days from date of issue. No
stay of execution except by appeal. The Supreme
per cent. damages where appeal
may assess
Court
withouttenreasonable
taken
is
cause. Real estate
sold under execution may be redeemed within one
year.
EXEMPTION. Real estate up to $ 1,000, where debtor
is head of family, and in such case also clothing , beds,
bed clothing, firewood for thirty days, Bibles , hymn
booke, school books used by family, family pictures
and provisions not exceeding twenty -five dollars in

value, and furniture not exceeding ten dollars in
value . Tools and implements necessary fordebtor to
carry on his trade not exceeding twenty - five dollars in
value.
INTEREST. The rate of interest is any amount that
may be agreed upon by the parties ; but where none is
expressed, then the law allows six per cent. per annum .
All open running accounts bear six per cent. from six
months after the date of the last item. Judgments bear
the same rate of interest as the obligation or agreement
sued on when expressed in the judgment; otherwise
six per cent.
JUDGMENTS are a lien on real estate within the county
from date of docketing, and may be extended to other
counties by filing transcript with the Clerk of the
Probate Court.
LIMITATIONS OF SUITS . No limitation of action is
provided by statute, except that ten years adverse pos
session of lands under color of title bars all actions.
Infante, femes covert, persons of unsound mind, im
prisoned, or beyond the limits of the United States, are
not within this statute.
MARRIED WOMEN retain the separate property which
they inherit, but it is managed by their husbands, and
they can convey their real estate only by joining in a
deed with their husbands. The wife has no dower ex
cept her private property,
MORTGAGES. All deeds and papers affecting real
estate must be in writing, and duly acknowledged ; no
other statutory provisions exist. All personal property
except growing crops may be mortgaged . Instrument
or a true copy thereof must be filed of record , and must
be renewed within thirty days of the expiration of one
year.
NOTES AND BILLS OF EXCHANGE. No days of grace
are allowed on bills of, exchange and promissory notes,
but if they fall due on a legal holiday or Sunday, they
are construed to fall due and become payable on the
next business day thereafter. Notes , bonds, due bills
and other instruments in writing, by which maker
promises to pay to another, or order, orbearer, any sum
of money, or property ,or labor, or acknowledges money,
labor or property to be due, are assignable by indorse
ment or any other writing.
SUITS. All transitory actions must be brought in the
county where the plaintiff or defendant resides, or
where the contract is to be performed , or the cause of
action originated , or in any county where defendant
may be found within the judicial district in which he
has his residence. Suits to recover real estate must be
brought in the county where such real estate is situate.
Actions against non -residents or transient persons may
be brought in any county.

COMMERCIAL LAWS.
NEW

ACKNOWLEDGMENTS must be made, within the State,
before a Judge of a court of record, Surrog ite, Notary
Public, Justice of the Peace, Mayor, Recorder or Com
missioner of Deeds. (No special form , separate and
apart from her husband, etc., now required for
married women . ) If made without the State, they
may be taken by Judges of United States Courts,
Judges of the Supreme, Circuit or Superior Court of any
other State or Territory, within the jurisdiction of their
courts; by the Mayor of any city, or by a New York
Commissioner. When made by any person residing
out of the State, and witnin any other State or Terri
tory, they may be taken before any officer of such State
or Territory authorized by its laws to take acknowl
edgments.
ASSIGNMENTS AND INSOLVENCY. A debtor impris .
oned on execution for a sum not exceeding $ 500 may be
discharged on making an assignment of his property,
and after threu months imprisonment can obtain his
discharge, even though the amount be over $500 . A
debtor may convey his property in trust for benefit of all
creditors; preferences being allowed. The Statutes of
1877-78 provide for accounting, etc. , by the Assignee .
ATTACHMENTS may issue in actions for damages for
breach of contract, wrongful perversion of personal
property, or injury thereto caused by negligence or
fraud, or where defendant is non -resident or has left
the State, or conceals himself to avoid service, or is
about to sell , alssign , or secrete his property with intent
to defraud creditors. After execution is returned un
satisfied, defendant may be examined as to his property
and required to apply any not exempt in payment.
COURTS . Terms and Jurisdiction . The Supreme
Court has unlimited jurisdiction . The Court of Com
mon Pleas and the Superior Court of the City of New
York, the City Court of Brooklyn, and the Superior
Court of Buffalo, have jurisdiction to an unlimited
amount where the defendant resides within the territo
rial jurisdiction of the court, or is served with the sum
mons therein , or where the cause of action arose therein
The jurisdiction of the New York Marine Court is lim
ited to $ 2,000, except in certain actions upon bonds, etc.
There is a County Court for each county, havin : juris
diction to the amount of $ 1,000, in actions where the
defendant is, or if there is more than one, where all of
the defendants are residents of the county. Justices of
the Peace have jurisdiction in actions on contract where
the sum claimed does not exceed $ 200, and District
Courts of the City of New York, where the sum does
not exceed $250.
EXECUTIONS will issue at any time within five years
from date of judgment ; after five years, leave must
be obtained. Executions may issue to two or more
counties at the same time. There are no stay laws .
EXEMPTIONS. Homestead, $ 1,000 ; necessary furni
ture, tools , team , etc., $ 250. Even in supplementary
proceedings, the judgment debtor can not be ordered to
apply upon the judgment his earnings for his personal
services within sixty days preceding the order, if such
earnings are necessary for the support of a family
by his
supporte
or partly
wholly
INTERES
legal drate
T. The
of labor.
interest (which was
formerly until January 1 , 188 ), seven per cent. ) is fixed
at six per cent. All note , bunds , contracts, securities .
etc. , whereby a greater rate is reserved, or taken , or
agreed for, are absolutely void , and the lender can re
cover neither principal nor interest in such cases, but
corporations can not plead usury as a defense. Usury
is also puuishable as a misdemeanor by fine or impris

YORK .

onment, or both . State banks have been placed on
the same footing as National banks as regards usury,
and are thereby exempt from the extreme penalties
mentioned above .
Limitationsof Suits. Contracts, expressor implied,
· xcept thuse ander seal , six years ; recovery of real
estate upon judgments of courts of record and sealed
instruments, twenty years. Reviv » r : Part payment or
new promisein writing.
MARRIED WOMEN can take, hold and convey real and
personal property, and may carry on trade in their own
names ,and retain their earnings as their separate prop
erty. Liabilities may be enforced againsi a married
woman as follows: First, when created on or about
carrying on a trade or business of the wife ; second,
when the contract relates to, or is made for the benefit
of her separate estate ; third, when the intention to
charge the separate estate is expressed in the instru
mentor contract by which the liability is created, [58
N. Y. Court of Appeals Rep. 80 ). Widows have right
of dower.
MORTGAGES must be executed and recordeıl same as
deeds . Where containing a power of sal ; may be
foreclosed without intervention of court. There is 20
redemption under a mortgage sale. Chattel mort
gages, except where the possession of the property
mortgaged passes to, and is retained by the mortgagee,
must be filed forthwith , or are void as against creditors
and innocent purchasers. Such mortgage ceases to be
valid in one year, except as to the mortgagor or his
representatives, unless a copy thereof is re -filed.
NOTES AND BILLS OF EXCHANGE. Bills of exchange
(foreign ), drafts, checks, and promissory notes payable
to bearer, the maker or his order, or the order of any
third party, are negotiable. Three days of grace are
allowed on all except inland sight drafts . If notpaid
when due they may be protested, and the certificate
of protest is prima facie evidence of presentation and
non -payment. To charge indorser, notice of non -pay
ment must atonce be given to him. January 1st, Feb
ruary 22nd, May 30th, July 4th , December 25th, any
general election day, and any day appointed or recom
mended by the President of the United States, or the
Governor of the State, as a day of thanksgiving or of
fasting and prayer, are holidays, and notes, bills, etc. ,
otherwise presentable for payment or acceptance on
one of such days, are presentable on the business day
next preceding such holiday. When either January
ist , February 22nd, May 30th, July 4th , or December
25th , falls on Sunday, the following Mond y is the holi
day, and paper falling due on such Monday is present
able on the Saturday preceding.
Suits in civil actions must be prosecuted in the
name of the real party in interest, except that an ex
ecutor, administrator, trustee of an express trust, or
person specially authorized by statute, muy sue in his
Own nime. The practice is under a Code , known as the
“ Code of Civil Procedure." A revision of the statutes
is in progress .
Taxes. Lands may be sold for taxes when two years
delinquent. Publication of sale is made for twelve
weeks in the county paper, and two years are allowed
for redemption, the owner having the right to redeem
by paying the purchase money and interest at ten per
cent. per anaum . A mortgagee (where the instrument
is duly recorded ) has a similar right of redemption,
and upon filing a notice of his mortgage, its date, re
cord, etc. , with the Comptroller, is entitled to notice
before the tax -title can cut off his mortgage.

NORTH CAROLINA .
ACKNOWLEDGMENTS may be taken within the State ! 2. In an action for a fine or penalty, or for money
by any Judge or Clerk of a court of record, or any received, or for property embezzled or fraudulently mis
Justice of the Peace or Notary Public. In other States applied, by a public officer or by an attorney, solicitor
by any Commissioner appointed by the Givernor of or counselor, or by an officer or agentof a corporation
this State, and in foreign countries by a Mayor or other or banking association, in the course of his employment
Chief Magistrate, or any Minister, Consul, or Commer as such, or by any factor, agent, broker, or other person
cial Agen of the United States.
in a fiduciary capacity; or for any misconduct or neg
ARREST AND BAIL. Defendant may be arrested in a lect in otfice, or in a professional employment.
civil action in the following cases :
3. In an action to recover the possession of personal
1. In an action arising on contract where defendant property unjustly detained, where the property, or any
is a non-resident of the State, or is about to remove part thereof, has been concealed, removed or disposed
therefrom with intent to defraud his creditors, and in of, so that it can not be found or taken by the sheriff,
an action for the recovery of damages on a cause of and with the intent that it should not be so found or
action not arising out of contract, where the action is taken ; or with the intent to deprive the plaintiff of the
for injury to person or character, or for wrongfully tak benefit thereof.
ing, detaining or converting property.
4. When the defendant has been guilty of a fraud in

COMMERCIAL LAWS.
contracting the debt or incurring the obligation for
which the action is brought, or in concealing or dispos
ing of the property for the taking, detention or conver
sion of which theaction is brought; or when the action
is brought to recover damages for fraud or deceit.
5. When the defendant has removed or disposed of
his property , or is about to do so, with intent to de
fraud his creditors.
Provisions of the act do not apply to proceedings for
contempt , and no female shall be arrested in any action,
except for willful injury to person, character or
property .
ASSIGNMENTS AND INSOLVENCY. An insolvent debt
or may be discharged by filing petition and making as
signment of property to a trusteefor benefit of all cred
itors. But his subsequently acquired property (not ex
empt) is liable for the satisfaction of his debts. No
creditor not having received notice is bound by the dis
charge. Any creditor may suggest fraud, and on fraud
or concealment being found by jury, judgment will be
that debtor be imprisoned until a full and fair disclo
sure of all his money, property or effects be made.
Voluntary assignmenis are only good against creditors
from registration. A debtor may in an assignment pre
fer one creditor to another
ATTACHMENT process may issue against the prop
erty of a non -resident debtor, or one who has departed
from the State to defraud his creditors or to avoid the
service of a summons, or keeps himself concealed
therein with like intent; or against a foreign corpora
tion, or if such person or corporation has removed , or is
about to remove, any of his or its property from this
State with intent'to defraud his or its creditors, or has
assigned, disposed of, or secreted , or is about toassign,
dispose of, or secrete any of his or its property with
the like intent, whether such debtor is a resident of this
State or not. The creditor procuring warrantof attach
ment must, within ten days, file affidavits in the Clerk's
office, or before a Justice of the Peace, if the warrant
is taken out in his court, stating the grounds on wbich
the warrant of attachment is asked . The creditor is
also required to give good bond and ecurity for costs
and damages in case the proceeding by attachment is
wrongful or oppressive. Garnishee process is not known
under the statute. In actions arising on contract for
recovery of money only , or in an action for the wrong
ful conversion of personal property , attachment process
may
at the
or after
the be
issuing
the sum
summons
mons.issue
Service
oftime
must
madeofpersonally
or commenced by publication within thirty days after
obtaining warrant of attachment. Within thirty days
after obtaining such warrant from a Justice of the
Peace , plaintiff shall cause publication thereof to be
made for four successive weeks.
COURTS . Terms and Jurisdiction . Superior Court,
holding two terms a year in each county , has exclusive
original jurisdiction in all civil actions involving over
$ 200. In some counties four terms a year are held, but
only two of them are appearance terms. The Clerk of
the Superior Court is Judge of Probate. Justice's
jurisdiction, $ 200 .
EXECUTIONS from Superior Court may issue imme
diately after the term at which judgment was rendered,
and are returnable at the next term . Issue as of course
at any time within six weeks after rendition of judg
ment ; after three years have elapsed , issue only upon
notice and leave obtained. From Justice's Courts they
issue at once ; returnable in sixty days. Stay of execu
tion is granted as follows: Under $ 25, one month ; $ 25 to
$ 50 , three months ; $ 50 to $ 100 , four months ; above
$ 100, six months. There is no redemption on property
sold on execution or mortgage.
EXEMPTION . Every homestead, and dwellings and
buildings used therewith , not exceedingin value $ 1,000 ,
to be selected by the owner thereof; or in lieu thereof,
at the option of the owner, any lotin any city , town or
village, with the dwellings used thereon , owned and
occupied by any resident of the State, and not exceed
ing the value of$ 1,000. Personal property of the value
of $ 500. This law does not apply to dents contracted
prior to Aug. 20, 1868, or to taxes, payment of pur
chase money or laborers' or mechanics lien . The ex
emptions allowed when debt was contracted prior to

August 20, 1868, are those that were in force at the time
the debt was contracted.
INTEREST. Six percent.is the prescribed usual rate,
Eight per cent. may be stipulated for when money is
borrowed. Rate on judgments and open accounts, six
per cent., unless parties contract for higher rate up
to eight per cent., which they may do. Penalty for
usury is forfeiture of double the amount of interest as
specified in the foregoing. Interest, not paid when
due, bears simple interest - " starts if
on a career of its
own.
JUDGMENTS in the Superior Court are a lien from the
time they are docketed , on all real property of defend
ant within the county, and can be transferred to other
counties by filing transcript. Judgments from Justices'
Courts are not a lien until levy is made. Lien continues
ten years from time of docketing. Justice Court judg
ments may be made judgments of the Superior Court
in all respects by docketing them in said court.
LIMITATIONS OF SUITS . Actions on accounts and con
tracts not under seal must be commenced in three years ,
and on a note under seal must be commenced within
ten years, or the statute of limitation may be pleaded
against recovery. In cases of fraudor mistake cause of
action does not accrue until the discovery by the ag
grieved party of the facts constituting such fraud or
mistake.
REVIVOR. Part payment or new promise in writing.
MARRIED WOMEN retain their real and personal prop
erty acquired before or after marriage, astheir separate
estate, not liable for the debts or obligations of their
husbands. But no woman under coverture, unless she
be a free trader, can make a binding contract, except
for her necessary personal expenses, or for the support
of the family, or for such as may be necessary in order
to pay her debts existing before marriage, without the
written consent of her husband. Widow'e dower is
one -third in value of all the lands and real estate of
which her husband was seized during her coverture.
Statute also allows widow & “ year'sallowance out
of the personal property of the husband.
MORTGAGES must be registered within the county to
be valid as against creditors or subsequent purchasers
for a valuable consideration . Mortgages areforeclosed
by action, except when a power of sale is given. Chat
tel mortgages and lien bonds must be registered.
NOTES AND BILLS OF EXCHANGE. Grace is allowed
on all drafts except those payable on demand. All bills
and notes bear interest from maturity, unless otherwise
stipulated . An indorser of a note is deemed a surety,
and no demand on the maker is necessary before com
mencing suit against surety or indorser, but this does
not apply to bills of exchange. Where a bill is drawn
or indorsed in this State upon any person or corporation
in any other of the United States or any of the Territo
ries and is protested, it shall bear damages, viz. , three
per cent. on the principal sum. A bill or note may be
protested by a Notary Public, Justice of the Peace or
Clerk of a court of record. Bills of exchange and prom
issory notes — both those under seal and thosc not
are negotiable; and all notes and bonds with more than
one obligor are by statute joint and several. To
charge indorser of bill of exchange, notice of non -pay
mentmustbe given him .
Suits. Process in court must be served ten days
before first day of term . The action is commenced by
issuing a summons and filing a complaint in theClerk's
office. Actions before Justices are commenced by issu
ing summons to be served on the debtor, which is made
returnable at sometime and place within the county to
be designated by the Justice. Judgment can usually
be obtained in two days. Complaint must be filed in
courts of record within the first three days of term and
answer or demurrer within the term to which the sum
mons is returnable. Pleadings before a Justice may be
either oral or written . Practice is under a Code known
as the “Code of Civil Procedure."
TAXES. The Act of 1879 provides that the tax list
shall constitute a lien from June 1 , of each year. Sales
for delinquent taxes are made after notice given . De
linquent may remain on the land one year, and may
redeem within that time by paying the amount bid by
the purchaser and twenty - five per cent. in addition.

OHIO.
ACKNOWLEDGMENTS may be taken by any Judge or
Clerk of a court of record, Justice of the Peace, No
tary Public , Commissioner for Ohio, Mayor, or other
presiding officer of an incorporated city ortown. When
executed, acknowledged and proved out of this State ,
in accordance with the laws of the place where exe
cuted , they will be as valid as if executed in this State .

Husband must join in conveyance of wife's property.
Two witnesses are required to attest signatures in all
matters affecting real estate. Instruments of convey .
ance between husband and wife must be signed , sealed
and acknowledged by husband and wife and attested
by two witnesses. Officer taking acknowledgment
must certify that he examined the wife separate and

COMMERCIAL LAWS.

apart from her husband, and made known to her the
contents of the instrument, that she voluntarily signed,
sealed and acknowledged the same, and that sheisstill
satisfied therewith as her act and deed .
ASSIGNMENTS. An insolvent debtor may make an
assignment in trust for the benefit of creditors. Assignee
must, within ten days after delivery of assignment to
him , produce the original assignment, or copy thereof, in
the Probate Court, file same and enter into a bond in
such sum and with such sureties as court shall approve.
Notice of appointment, for three successive weeks,
in newspaper ofgeneral circulation shall be given after
bond entered into , and creditor shall within six months
after publication of notice present claim with affidavit
that said claim is just and lawful , the consideration
thereof, and what, if any , set-off's or counter- claims
exist thereto ; what collateral or personal security, if
any, the claimant holds for same, or that he has no
security whatever . Any surety or person jointly liable
with assignor is allowed to present and prove his claim
on which he is bound. Suit must be brought on rejected
claims within thirty days. Assignment made in con
templation of insolvency, with intent to prefer one or
more creditors, inures to the benefit of all creditors.
Assignment made with intent to hinder, delay or defraud
creditors shall be declared void at the suit of any cred
itor, and such assignment, after having been declared
void, or a preferred assignment, is cause for the appoint
ment of trustee. No assignment shall be construed to
include property exempt, unless the exemption is
expressly waived. Preferred claims are : Taxes
of
everydescription assessed against assignor, and wages
for all labor performed by any one in the assignor's
service within twelve months preceding the assignment,
not exceeding $ 300.
ATTACHMENT in a civil action for the recovery of
money may be had when defendant is non-resident or a
foreign corporation , or has absconded or concealed
himself, or is about to remove, convert or assign, or has
concealed his property with intent to defraud creditors,
or where the debt was fraudulently contracted. Plain
tiff must give bond in double the amount at issue,
except where defendant is a non-resident, when a bond
is not required . Defendant can be arrested in a civil
action onall except the first two grounds given above.
Garnishee process may be had in aid of attachment
against any debtor of the defendant. A citizen of this
State may be enjoined from prosecuting an attach
mept in another State against a citizen of this State, to
subject to the payment of his claim the earnings of the
debtor, which by the laws of this State are exempt from
being applied to the payment of such claim.
COURTS. Terms and Jurisdiction. Justice's Courts
have exclusive original jurisdiction of any sum not ex
ceeding $ 100, and concurrent jurisdiction with the
Court of Common Pleas of any sum from $ 100 to $ 300.
Superior Courts of Cincinnati, Cleveland and Dayton,
have the same general jurisdiction in actions for debt
that is exercised by the Courts of Common Pleas. Com
mon Pleas Courts have original jurisdiction where the
amount in controversy exceeds $100 .
EXECUTIONS issue from the Court of Common Pleas
to any county . Execution against the person will only
issue when the Judge of one of the Superior Courts is
satisfied of the existence of cause - such as concealment
of property by the debtor- orwhere debtor was arrested
before judgment and not discharged under the law.
Lands levied on must be appraised by three disinterested
freeholders, and can not be sold for less than two-thirds
of such appraisement. Executions are stayed before
Justices, by entering into a bond to adverse party
within ten days after rendition of judgment, on judg
ments for $ 5 and under, sixty days ; $5 and under
$ 20, ninety days; $ 20 and under $ 50 , 150 days ; $ 50 and
upward, 240 days. No stay on judgment in favor of any
person for wages due for manual labor pe formed .
EXEMPTIONS. Homestead, $1,000 . Every person who
has a family, and every widow, may hold the following
property exempt from execution , attachment or sale
for any debt, damages , fine or amercement :
First. Thewearing apparel of such person or fam
ily, beds, bedsteads and bedding necessary for the
same, onecooking stove and pipe, one stove and pipe
used for warming the dwelling, and fuel for sixty days,
actually provided, anddesigned for the use of such per
son or family .
Second . One cow, or if the debtor owns none, house
hold furniture to be selected by such debtor not ex
ceeding $35 in value ; two swine or the pork therefrom,
or if the debtor owns no swine, household furniture to
be selected by such debtor not exceeding $ 15 in value ;
six sheep, their wool and the cloth or other articlesman
ufactured therefrom , or in lieu thereof household furni
ture, to be selected by the debtor, not exceeding $15,
and food for such animals for sixty days.

Third. Bibles, hymn books, psalm books, testa
ments and school books used in the family, and all
family pictures .
Fourth . Provision actually provided and designed
for the use of such person or family not exceeding $ 50
in value, and other articles of household or kitchen fur
niture vecessary for such person or family, not exceed ing $ 50 in valuc.
Fifth . One sewing machine, one knitting machine,
and all the tools and implements of the debtor neces
sary for carrying on his or her trade or business,
whether mechanical or agricultural, not exceeding $ 100
in value.
Sixth. The personal earnings of the debtor and of
his or her minor child or children for three months,
when it is made to appear by affidavit that such earn.
ings are necessary for such person or family .
Seventh . All articles, specimens and cabinets of
natural history or science, except such as are intended
for show or exhibition for money or pecuniary gain .
Eighth . Every drayman, in addition to the above
exemptions, shall hold one horse , harness and dray ex .
empt from ex cution . Every agriculturist who is the
head of a family , in addition to the exemptions speci
fied in paragraphs one to seven inclusive, shull hold
exempt from execution one horse or one yoke of cattle
with the necessary gearing for the same, one wagon ;
and every practitioner of medicine, the head of a fam
ily , in addition to the exemptions epecified in para
graphs one to seven inclusive, shall hold exempt one
horre, one saddle and bridle, and also books, medi
cines and instruments pertaining to his profession, not
exceeding $100 in value.
Every unmarried woman may hold the following prop
erty exempt from execution , attachment or sale :
First . Wearing apparel not exceeding $ 100.
Second . One sewing machine.
Third . One knitting machine .
Fourth . A bible, hymn book, psalm book and any
other books not exceeding in value $ 25 .
Any beneficiary fund, not exceeding $ 5,000, set apart,
appropriated or paid by any benevolent association or
society accordivg to its rules and regulations to the
family of any deceased member, or to anymember of
such family, shall not be liable to be taken by any pro
cess or proceedings, legal or equitable, to pay any debt
of such deceased member.
The regalia, insignia of office, jou nals of proceedings,
account books and the private work belonging to any
benevolent society in this State, shall be exempt, etc.
All property used by any municipal corporation or
fire company for the purpose of extivguishing fire shall
be exempt, but the owner may create liens thereon by
mortgage, etc. Any resident being the head of a fam
ily and not the owner of a homestead, can hold other
personal property to be selected by him, and not ap
praised at over $500, in addition to the chattel property
specified above. No exemption runs against claim
for labor amounting to less than $ 100. The above ex
emption may be claimed by any one who has a family,
and by every widow, against whom an action is prose
cuted in this State, whether such debtor is or is not a
resident of this State .
INTEREST. The legal rate is six per cent. Parties
may contract in writing for eight per cent. No penalty
is attached for the violation of the law. If a contract
is made for a higher rate than eight per cept ., the con
tract as to interest is void, and the recovery is limited
to the principal sum and six per cent. Interest is com
puted upon judgments and decrees at the rate specified
in the instrument upon which said judgment or decree
is rendered . Interest is not recoverable on open run
ning accounts, when there are no circumstances from
which an agreement to allow interest can be inferred,
and there has been no vexatious delay of payment.
Open accounts draw interest after statement is made
and account rendered. Interest from and after ma
turity may be allowed on items of wages or salary,
payable monthly.
JUDGMENTS are a lien on real property of defendant
within the county, which lien continues for five years .
If execution be not levied within one year from the
rendition of the judgment, said judgment shall not
operate to the prejudice of any other bona fide judg
ment creditor.
LIMITATION OF SUITS upon contracts not in writing,
express or implied , six years; specialty or any agree
ment in writing, fifteen years; real actions, twenty
years. Revivor : Part payment, acknowledgment or
promise in writing.
MARRIED WOMEN retain all their separate property ,
real and personal, owned at marriage or acquired there
after, with all the rents , incomes and profits thereof.
Wife can contract for the improvement, repair and cul

COMMERCIAL LAWS.
tivation of her real estate, and may lease the same for
not exceeding three years. A married woman engaged
in business may sue and be sued alone, and her sepa
rate property is liable for any judgment rendered
against her. The husband must unite in all deeds and
mortgages of the wife's separate real estate. A widow
is entitled to dower in all real estate owned by her hus
band during her coverture . A married woman's sepa
rate property cannot be charged with her general en
gagements unless by a contract valid in law to bind
the same, or such facts as make it between the parties
just and equitable
A debtincurred by a married woman for her benefit
or that of her separate estate, and upon its credit, and
the giving of a note therefor, are facts from which a
court of equity may imply and enforce a charge against
such property .
MORTGAGES must be executed as deeds, and the
first mortgage recorded has the preference. Are
foreclosed by suit in the Court of Common Pleas , and
there is no redemption of lands sold under foreclosure.
Chattel mortgages, or a true copy thereof, must be
deposited with the Clerk of the township where
the mortgagor resides , and are void unless re - filed
within thirty days of the expiration of one year from
their execution, and annually thereafter.
NOTES AND BILLS OF EXCHANGE. All bonds, notes
and bills payable at a day certain after date, or after

sight, are entitled to three days of grace in the time of
payment. When the third day of grace is the first day
of the week, the demand shall be made on the next
preceding business day. The 1st day of January, the
4th day of July, the 25th of December, and any day ap
pointed or recommended by the Governor of Ohio, or
the President of the United States, as a day of Fast or
Thanksgiving, is treated and considered as the first day
of the week . When the 1st day of January , 4th day of
July or the 25th day of December shall be the first day
of the week, the succeeding Monday is also treated and
considered as the first day of theweek . When made
payable to order or bearer, theyare negotiable by indorse
ment thereon, and vest the title thereof in indorsee.
Suits. There is but one form of action, known as a
civil action, which must be prosecuted in the name of
the real party in interest, except as to administrators,
trustees , etc. In certain cases service may be made by
publication.
TAXES are due on December 20 of each year, but the
party charged may at his option pay one-half then and
the remainder on or before June 20 following. Lands
delinquent for three semi-annual instalments are sold
by the County Treasurer. Owner can redeem within
two years by paying amount for which the land was
sold,all subsequent taxes and interest, and a penalty
of fifteen per cent. if redeemed within one year, and
twenty -fiveper cent. if within two years.

OREGON .
1 ACKNOWLEDGMENTS may be taken by any officer ap .
pointed by the laws of the State, Territory or district
where made, or before any Commissioner appointed by
the Governor of this State for such purpose, and unless
the acknowledgment be taken before such Commis
sioner , it must be certified by the Clerk or other proper
certifying officer of a court of record of the county or
district within which such acknowledgment was taken,
under the seal of his office, that the person whose name
is subscribed to the certificate of acknowledgment was,
at the date thereof, such officer as he is therein repre
sented to be, and that he believes the signature of such
person subscribed thereto to be genuine, and that the
deed is executed and acknowledged according to the
laws of such State, Territory or district.
ASSIGNMENTS AND INSOLVENCY. There is no insol
vent law, but every person confined in jail on an exe
cution is entitled to his discharge at the end of ten
days, upon the conditions prescribed by law, and after
being once discharged the debtor is forever exempt
from arrest under that debt. An assignment does not
free the debtor from his liabilities, but a debtor may
prefer a creditor by confessing judgment, giving a
mortgage, or assigning specific property as security or
in payment. No general assignment made by an insol
vent, or in contemplation of insolvency, for the benefit
of creditors, is valid, unless made for the benefit of
all creditors in proportion to the amount of their re
spective claims. An assignment has the effect to dis
solve all attachments on which judgment has not been
entered at time of the assignment. Notice must be
given to creditors to present claims, and any creditor
mayfile
any claim
and the due
court
upon theobjections
objection .to Debts
to become
, aswill
wellpass
as
as those already due, may be proved. Assignee has full
power to dispose of all estate, both real and personal,
and to distribute the proceeds pro rata among creditors.
A general assignment does not discharge the debtor
from liability.
ATTACHMENT process may be had when defendant is
a foreign corporation, or non-resident, or in actions on
contracts for the direct payment of money, where no
mortgage, lien or pledge was taken or created, or if the
debt was so secured, when the security has been ren -dered valueless by act of the defendant. Plaintiff must
give the usual bond in double the amount involved .
Debts owing defendant may be garnisheed. Defendant
may be arrested when not a resident of the State, or in
actions to recover personal property unjustly detained,
or where the debt was fraudulently contracted, or detend
ant has removed his property with intent to defraud.
COURTS. Terms and Jurisdiction. Circuit Court is
held once a year in Curry, Columbia and Tillamook
counties, three times a year in Multnomah county,
( Portland) , and Marion county, (Salem ), and twice
à year in other counties , and has unlimited civil
jurisdiction . There is a County Court in each
county, holding from four to twelve trial terms each
year, with full probate powers and civil jurisdiction
up to $ 500. Justice's jurisdiction, $ 250.

EXECUTION issues immediately, and is returnable in
sixty days
in the Circuit Court; thirty days in all other
courts
. Execution
may issue at any time within five
years af er judgment. There is no stay law . Judg
ment debtor, or his successor in interest, or any cred
itor having a lien, may redeem real estate sold under
execution within sixty days of the confirmation of the
sale, and lien creditors may continue to SO redeem
within sixty days of each sale, the last purchaser being
entitled to a deed.
EXEMPTIONS. There is no homestead law. Personal
property exempt includes books, pictures and musical
instruments to the value of $ 75; wearing apparel to
the value of $100, and if a householder, to the value of
$ 50 for each member of the family ; tools, implements,
apparatus, team, vehicle, harness or library, when nec
essary in the occupation or profession of a judgment
debtor, to the amount of $ 400 ; if the judgment debtor
be a householder, ten sheep with one year's fleece, two
cows, five swine, household goods, furniture and uten
sils to the value of $ 300. No article of property is ex
empt from execution issued upon a judgment for the
purchase price.
INTEREST. Legal rate, ten per cent.; contracts may
be made in writing for twelve per cent. Uşury works
forfeiture of principal and interest, but judgment will
be rendered against defendant for the principal of the
debt to be paid into the Common School Fund of the
county in which suit was commenced.
JUDGMENTS are a lien from the date of docketing on
all defendant's real property within the county or
counties where same is docketed, and on all which he
may subsequently acquire during the life ofthe judg
ment. If ten years are allowed to elapse without issu
ance of execution on the judgment the lien ceases.
LIMITATIONS OF SUITs. On contracts not under seal ,
express or implied, six years ; on judgments or decrees
of any court and sealed instruments, ten years ; re
covery real property, ten years. Revivor : Part payment
or new promise in writing.
MARRIED WOMEN retain their real and personal estate
owned by them at time of marriage or afterwards ac
the debts
free from
or inheritance,
by gift,
quired
woman
may
A married
of devise
their husbands.
and control
make contracts in her own name, buy goods, and give
property
personal
and
notes in settlement, and her real
may be sold to satisfy the same. She may dispose of
her real estate by will, subject to any rights which her
husband may have as tenant by the curtesy.
MORTGAGES are executed in the same manner as
deeds, and foreclosed by suit in equity . Chattel mort
gages, or copies thereof, must be immediately filed with
the County Clerk, and cease to be valid as against
creditors or purchasers after the expiration of one year,
unless within thirty days next preceding the expira
tion of said year there is an affidavit made and filed
therewith, that the debt which it secures is unpaid and
the mortgage still in force.
NOTES AND BILLS OF EXCHANGE. Three days of grace

COMMERCIAL LAWS.

are allowed on all bills of exchange payable at sight or
on a day certain , and on all promissory notes where
not expressed to the contrary. The indorsers on a note,
when properly charged by protest, are liable as long as
the maker. Damages allowed on protested bills ; do
mestic, five per cent.; foreign, ten per cent.
Suits . Practice is under a Code similar to that of
New York, butthe distinction between law and equity
is retained. Suits and actions in the Circuit and
County Courts are commenced by filing a verified com
plaint with the Clerk of the court. Summons is served
by personally delivering to the debtor or leavingat his
residence, with a white person over fourteen years of

age, a member of his family, a copy of the summons and
a certified copy of the complaint, and if debtor does
not appear or answer within ten days, if served in the
county in which action is brought, or within twenty
days, if served in any other county in the State, the
creditor may take judgment. In case of non -resident
debtors who have property in the State, the court may
order service by publication of the summons.
TAXE8. Lands sold for taxes may be redeemed within
one year, on payment of the purchase money and
twenty per cent. thereon ; within two years, thirty per
cent.

PENNSYLVANIA.
ACKNOWLEDGMENTS of deeds to be recorded in Penn
sylvania may be made before any Mayor, or chief mag
istrate of any city or town incorporated (under the
public seal,) any Justice or any Judge of any court of
record, Commissioner for Pennsylvania , or before any
officer appointed by the laws of the State where taken,
if certified by the seal of the Clerk of any court of
record, that the oflicer taking such acknowledgment is
duly qualified by law to take the same.
ASSIGNMENTSAND INSOLVENCY. There is no insolvent
law, and no provision for the discharge of a debtor on
his making an assignment . Voluntary assignments
must be for the benefit of all creditors, but debtur may
prefer a creditor by confessing judgment or assigning
specific property as security or in payment. Assignee
must file an inventory and appraisement within thirty
days, and must settle his accounts and distribute the
assets under the direction of the Court of Common
Pleas.
ATTACHMENT. Property of resident debtors may be
attached : When debtor is about to remove his property
out of the jurisdiction of the court in which the
attachment is applied for, with intent to defraud his
creditors ; when he has property which he fraudulently
conceals; when he has disposed of or is about to dis
pose of his property, with intent to defraud his credit
ors ; when he has fraudulently contracted the debt or
incurred the obligation for which the claim is made .
In this attachment the creditor must make affidavit to
prove one or more ofthe foregoing acts, and must give
bonds conditioned that, if he fails to prosecute his
action with effect and to recover a judgment against
the debtor, he shall pay to the debtor all legal costs
and damages which the debtor may sustain by reason
of said attachment. Attachment can also be had
when defendant is non -resident. A defendant may be
arrested
suit brought
upon proof
that he isorabout
to
removeafter
his property
to defraud
his creditors,
has
done so, or thathe fraudulently conceals his property,
or that he fraudulently contracted the debt; he may be
committed unless he pays the debt, or gives security to
do so within sixty days, or gives bonds to take the
benefit of the insolvent law .
COURTS. Terms and Jurisdiction . Courts of Com
mon Pleas in the several counties have original juris
diction in all sums over $100. Orphans' Courts have
full probate powers . Justice's jurisdiction, $ 300 . In
Philadelphia there are Magistrates with same civil
jurisdiction as Justices, whose place they supply.
EXECUTIONS may be issued as soon as judgment is
obtained, or at anytime within five years . The writ of
execution is made returnable to the first Monday of the
following term ; but it is the duty of the Sheriff to
make his levy at once, and he may proceed to sell per
sonal property upon six days notice, and distribute the
proceeds. Stay of execution can be taken, by giving
security, on all sums of $ 200 and under, six months ;
between $ 200 and $ 500, nine months ; over $ 500, twelve
months. The stay is computed from the return day of
the writ. There is no redemption of property sold
under execution. [See Act June 11, 1879, P. Laws, p.
129.]
EXEMPTIONS . No homestead law . Real or personal
property to the value of $ 300, in addition to wearing ap
parel, Bibles, and school-books, and a sewing machine
are exempt, but the privilege is personal only and can
be waived at any time.
INTEREST. The legal rate is six per cent.; usurious
interest can not be collected, and if paid may be recov
ered hack , provided suit is brought therefor within six
months. Most of the savings banks are by special
statute authorized to loan money at higher rates of in
terest. Commission merchants and agents may con
tract with parties outside the State for seven per cent.

It is not usury for a borrower to contract to pay the taxes
upon the money lent, nor to pay a reasonable attorney's
fee in case suit is brought for its collection. Interest is
due upon every debt from the time it becomes due and
payable. The rate is the same on all debts, whether se
cured by judgment or not .
JUDGMENTS bind all the interest of defendant in real
estate within the countywhere the judgmentwas entered,
and under the Act of March 23, 1877 , a verdict of a jury
for a specific sum (unless a new trial is granted) is also a
lien on real estate . Lien exists for five years, and
may be continued by revival of thejudgment. Justice's
judgments become liens by filing transcripts in the
Court of Common Pleas.
LIMITATIONS OF SUITS. Contracts, notes, and instru
ments not under seal , six years ; judgments, mortgages,
and sealed instruments, twenty years. Revivor : Ac
knowledgment, coupled with promise to pay; promise
may be implied, if acknowledgment is plain, express,
and nothing to negative such implication.
MARRIED WOMEN. All property of wife acquired
before or after marriage, held and enjoyed as her sep
arate estate, but may be charged for necessaries con
tracted by her for her family. As a general rule, a
married woman can not make a valid contract, except
for necessaries, or sell or convey her real estate without
her husband joining in the deed. She may make a will,
subject toher husband'sright as tenant by the curtesy,
and may transfer railroad stock , State or Philadelphia
city loans, and loans or stock of anycorporation created
under the laws of Pennsylvania. She may also keep a
bank account, and draw money on her own check, with
out consent of her husband, but her earnings belong to
her husband, unless secured to her own use by order of
the Court of Common Pleas. Widow takes dower in
one-third of all lands owned by her husband during
marriage.
MORTGAGES are executed and acknowledged same as
deeds, and lien inheres from time of recording except
where given for purchase money, when the mortgage
is a lien from its date , if recorded within sixty days.
Chattel mortgages may be given on mining property,
lumber, petroleum , iron and other articles specified ;
must befor not less than $ 500, and must be filed of
record . The lien thus created continues one year, and
must be revived within thirty days of the expiration of
that period, or it becomes void. . The Act of March
NOTES AND BILLS OF EXCHANGE
30, 1875, allows days of grace on all bills of exchange,
drafts, promissory notes, and other negotiable instru
ments, excepting sight bills and drafts, and checks on
banks or bankers, whether payable on presentation or
upon some day or time subsequent to the date of issue.
Five to ten per cent. damages are allowed on domestic
bills, and ten to twenty per cent. on foreign bills pro
tested .
Suits may be commenced at any time. All writs are
returnable on the first Monday of each month except
September, when it is the third Monday, and, if debtor's
residence is known, the writ can be issued as late as
the Saturday before return day. A summons from a
Justice of the Peace is returnable on a day named
therein , which must not be less than five nor more than
eight days after the date of the writ, and must be
served on the debtor at least four days before the date
fixed for the hearing of the case.
TAXES. Improved lands may be sold for taxes two
years delinquent, but owner may redeem , within one
year after receiving actual notice, by payment of
amount of taxes and costs due, with legal interest.
“ Unseated " lands may be sold for taxes delinquent
one year, and are redeemable within two years by pay
ment of taxes and costs and twenty -tive per cent. inter
est thereon.

COMMERCIAL LAWS.

RHODE ISLAND.
ACKNOWLEDGMENTS. No estate of inheritance or
EXECUTIONS are returnable at the next term of court
freehold can be conveyed by deed unless the same be after they issue, and can only be stayed by order of the
signed , sealed, and delivered by the grantor, and ac court. There is no redemption of property sold under
knowledged before a Senator, Judge, Justice of the execution. In default of goods and chattels on which
Peace , Notary Public, or Town Clerk, and recorded in to levy, execution may issue against the body of the
the office of the Town Clerk where the lands lies . In debtor'in cases where fraud is alleged .
EXEMPTIONS. No homestead law. Necessary wear
struments relating to lands within this State, executed
elsewhere in the United States, may be acknowledged ing apparel of debtor and his family ; working tools ,
before a Judge, Justice of the Peace, Notary Public, or not exceeding $ 200; ard household furniture and family
before any Commissioner appointed by the Governor, stores, $ 300, are exempt from attachment and execu
and duly qualified thereunto . In foreign countries tion, where the debtor is a householder.
before a Minister, Consul , Vice-Consul , or other agent
INTEREST. The legal rate of interest is six per cent.
of the United States, or any properly qualified Com but any rate of interest agreed upon between the par
missioner within such country.
ties may be taken . Rates on judgments, notes, or
ASSIGNMENTS AND INSOLVENCY. There is no general open accounts, etc., is six per cent., unless a different
insolvent law. Assignments for equal benefit of all rate be stipulated by the parties . Interest begins to
creditors are allowed; all preferences are void . Any run on accounts from the expiration ofstipulated term
debtor whose property, real or personal, is attached may of credit, or at a time fixed by usage of trade.
JUDGMENTS are not a lien on real estate.
dissolve the attachment by a general assignment for
the equal benefit of his creditors. Three ormore credit
LIMITATIONS OF SUITs. Accounts, six years ; simple
ors, representing, collectively, one - fourth in amount of promissory notes, six years ; sealed instruments and
all claims against any debtor, may, within sixty days of judgments, twenty years. An oral promise and partial
any transfer by him of property in the way of prefer payment revive the debt.
ence, secure the setting aside of such transfer and the
MARRIED WOMEN. The property of a married woman
appointment of a Receiver to convert the debtor's is secured to her separate use, and is not liable for
property and assets into money, and distribute equally debts of her husband . She can not transact business as
among all creditors. Such proceedings do not entitle a trader. The rights of dower and curtesy are fully pre
the debtor to a discharge, which is only obtained by served.
actual release from each creditor.
MORTGAGES must be executed in the same manner as
ATTACHMENT process will issue on creditor making deeds, and recorded (see ante ). No chattel mortgage is
affidavit as to his claim, and that debtor is a corpora good against purchaser or attaching, creditor unless
tion established out of the State, or has left the State recorded, or the mortgagee has possession , or can prove
and is not expected to return in season to be served actual notice.
with process returnable to the next term of such court,
NOTES AND BILLS OF EXCHANGE. The Act of April
or has committed fraud in contracting the debt on 20, 1876, provide that “ all bills of exchange drawn at
which euit is brought, or in the concealment or dispo sight, due and payable within this State, and in which
sition of his property, or since contracting the debt on there is not a provision tothe contrary, shall be allowed
which suit is brought, has been the owner of property three days grace .” And further, that “ any person
or in the receiptof an income which he has refused or upon whom a bill of exchange or draft is drawn which
neglected to apply toward the payment of said debt, requires acceptance, shall have until 2 o'clock in the
though requested by the creditor so to do. Personal afternoon of the business day next succeeding the first
property of the debtor, (unless secured by bill of ex presentation thereof in which to decide whether or not
change or negotiable promissory note), in the hands of he will accept the same; provided, however, that all
any person, partnership , or corporation, is subject to bills of exchange or drafts which may be for cause held
over one day, shall , when accepted, date from day of
garnishment.
Courts. Terms and Jurisdiction . Court of Com presentation ." Legal holidays are July 4, Christmas,
mon Pleas has jurisdiction where the claim amounts to Feb. 22, (if coming on Sunday, the day following), May
$ 100 and upwards. SupremeCourt has concurrent ju 30 (if Sunday, theday preceding),and any day of Fast
risdiction with the Court of Common Pleas where the or Thanksgiving appointed by authority.
Suits. All actions and suits at law and in equity re
amount claimed is $ 100 and upwards, excepting in the
county of Providence, where said Court has jurisdic lating to realty , must be brought in the county where
tion concurrent with the Court of Common Pleas, the land lies ; all other actions and suits, where plaintiff
ordefendant resides, or where defendant may be found.
where the amount claimed is $ 300 and upwards. Jus
tice's jurisdiction, $ 100 . The Town Councils are Courts
Taxes are a lien on real estate, and lands may be
of Probate within their respective towns, and the Mu sold for taxes delinquent after due notice given.
nicipal Court of Providence is the Court of Probate Owner, or his heirs or assigns, may redeem within one
of that city. Any town may, however, elect a Probate year by paying purchase money with twenty per cent.
in addition .
Judge at its annual election .

SOUTH CAROLINA .
ACKNOWLEDGMENTS. All deeds for the conveyance of
real estate must be signed and sealed by the grantor in
the presence of two witnesses and recorded within the
county in which the land lies. Acknowledgments of
deeds within the State can only be taken before Nota
ries Public and Trial Justices, and without the State by
a Commissioner of Deeds for South Carolina.
ASSIGNMENTS AND INSOLVENCY. An embarrassed
debtor may assign his property for the benefit of
creditors, who have the right to appoint an agent or
agents equal to the number of assignees. Where none
are appointed, assignee can act alone and must report
to creditors every three months. Assignee's compensa
tion is five per cent. The assignment of all his property
by a debtor under arrest effects his discharge from such
arrest. Only the claims of creditors participating in
dividends are affected by these assignments.
ATTACHMENTS will issue in an action arising ou con
tract for the recovery of money only, or in an action for
the wrongful conversion of personalproperty ,against
acorporation created by or under the laws of any other
State, government or country, or against a debtor who
bas absconded or concealed himself, or whenever any

person or corporation is about to remove any of his or
its property from the State, or has assigned, disposed
of, or secreted, or is aboyt to assigp, dispose of, or
secrete any of his or its property, with intent todefraud
creditors ; the creditor, at the time of issuing the sum
mons, or at any time thereafter, may have the property
of such debtor or corporation attached as a security for
the satisfaction of such judgment as the creditor may
recover. Proceedings in case of attachment are pre
scribed by the Code. Garnishce process can be had in
aid of attachment.
COURTS . Terms and Jurisdiction . Courts of Com
mon Pleas are held three times a year in each county,
and have jurisdiction in all civil cases not cognizable
by the Trial Justices . There is a Probate Court in each
county, holding monthly sessions and possessing the
usual powers. Justice's jurisdiction, $ 100. Actions to
betried in the county where land lies, or in which the
defendant resides.
EXECUTIONS may issue immediately after judgment
and are returnable within sixty days. Stay is only
granted
on appeal
Executionsmay
issue at The
any
time within
three given.
years from
date of judgment.

COMMERCIAL LAWS.

Clerk shall not, without special leave of the court, enter
any judgment until the expiration of five days after the
court has adjourned for the term .
EXEMPTIONS. Homestead , $ 1,000. The homestead
right can not be waived or alienated. Personal prop .
erty exempt includes household furniture, carts,
wagons, farming implements, and domestic animals up
to $ 500, and in addition thereto all necessary wearing
apparel.
INTEREST. Legal rate seven per cent. Usury forfeits
all interest.
JUDGMENTS are a lien on lands within the county for
ten years from the time of entry, which lien may be ex
tended to other counties by filing transcript .
LIMITATIONS OF SUITs upon contracts not under seal ,
sealed notes or personal bonds, six years ; judgments
or decrees of any court, and upon sealed instruments
(except as above), twenty years ; to recover real property,
ten years . Revivor: No statute ; as at common law .
MARRIED WOMEN . The real and personal property of
a married woman, whether held by her at the timeof
her marriage or acquired thereafter, either by gift,
grant, inheritance, devise, purchase or otherwise, is
not subject to levy and sale for her husband's debts ;
and a married woman can bequeath , devise or convey
her separate property in the same manner and to the
same extent as if she were unmarried. A married
woman can also purchase any species of property in
her own name and take conveyance therefor, and con
tract and be contracted with, in the same manner as if
she were unmarried .
MORTGAGES. All mortgages, whether of real estate
or chattels,must be recorded within sixty days. Mort
gages of realty are foreclosed by ordinary suit of com
plaint and summons, and chattel mortgages are enforced

by mortgagee taking possession of the goods and sell
ing them . There is no redemption of property sold
under mortgage .
NOTES AND BILLS OF EXCHANGE. If drawn payable
at sight are entitled to days of grace. On all bills of
exchange drawn on persons resident within the United
States, and without this State, and returned protested,
the damages on such protested bill shall be ten per
cent, on the sum drawn for. On all bills drawn on per
sons residentin any other part of North America or in
the West India Islands, and proiested, the damages
shall be twelve and one-half per cent. On all bills drawn
on persons in any other part of the world, and pro
tested, the damages shall be fifteen per cent.
SUITS . All distinctions between actions at law and
suits in equity have been abolished, and the Code of
Procedure is almost identical with that of New York .
Actions relating to real property or for the recovery of
specitic personal property are brought within thecounty
where the land or property is situated. In all other
cases in the county of the defendant's residence, and
if he resides out of the State then in any county :
Taxes are a lien from July 1 of each year, and if not
paid by January 15 thereafter a penalty of twenty per
cent, is added. " If not paid before the first Monday in
March, land is advertised for sale. Two years are al
lowed for redemption. If redeemed within one year
there must be paid the price for which the land was
sold, : 11 legal expenses, subsequent taxes paid, and
twenty -five per cent. penalty thereon , the value of all
growing crops, two dollars for advertising, and fifty
cents to the Auditor. If redeemed after one and within
two years the same payment, but with a fifty per cent.
penalty.

TENNESSEE .
BO ACKNOWLEDGMENTS within the State must be taken
before a Judge, or Chairman or Clerk of a County Court,
or his deputy, or a Notary Public. In other States before
any court of record , or before the Clerk of any such
court, Notary Public or Commissioner of the State of
Tennessee. Out of the State the acknowledgment of a
Notary Public or a Commissioner under his seal of office
is sufficient, without further proof ofhis official charac
ter. The certificate must be in the form prescribed by
statute. In case the deed is acknowledged by both hus
band and wife, the privy acknowledgment of the wife is
taken in addition to the above. If made out of the
United States, must be under seal before a Commis
sioner of Tennessee appointed for such country, a Notary
Public, or an Ambassador, Minister, or Consul of the
United States.
ASSIGNMENTS AND INSOLVENCY. No insolvent law,
Debtor may prefer one or more creditors to the exclu
sion of others. Assignee must give secured bond when
value of property exceeds $ 500. Such assignment does
not operate as a discharge from liabilities.
ATTACHMENT process will issue where the debtor
resides out of the State ; is about to remove or has
removed himself or property from the State ; has re
moved or is removing himself from the county privately ;
is concealing himself, so that the ordinary process of
law can not be served upon him ; absconds or is ab
sconding or concealing himself or property; has fraud
ulently disposed of oris about fraudulently to dispose
of his property; or when any person , liable for any debt,
residing out of the State, dies, leaving property in the
State. When debtor and creditor are non -residents of
this State and are residents of the same State, the cred
itor shall not attach unless the property has been fraud
ulently removed to evade process in their State . Debts
due and not due owing to the defendant, and property
of the defendant of any kind in the hands of a third
person, are subject to garnishment. There is no impris
onment for debt or on civil process.
COURTS. Terms and Jurisdiction . Circuit Courts
hold three terms annually , and have general common
law jurisdiction in all cases involving over $ 50. Chan
cery Courts, holding two terms annually, have full
equity jurisdiction above $50 , and, by a recent Act,
(March 26 , 1877) have concurrent jurisdiction with the
Circuit Courts of all civil causes, except actions for
injuries to person , property, or character , involving
unliquidated damages. “ Justices of the Peace have
jurisdiction in equity up to $ 50; on all unsettled accounts,
obligations, contracts, etc., to and for recovery of
property, and for damages, except for libel and slander,

up to $ 500 ; upon all notes and upon indorsement of
negotiable paper where demand and notice are ex
pressly waived in the instrument, up to $ 1,000.
EXECUTIONS may issue forthwith, and from Circuit
Courts are returnable to the sncceeding term ; from
Justice's Courts in thirty days. Stay of eight months
may be had in judgments of a Justice by furnishing
security . Debtor has two years in which to redeem
realty sold under execution .
EXEMPTIONS. Homestead, $ 1,000. Personal property
consisting of household goods, supplies, tools and
stock, etc., amounting in all to about
$ 1,200.
INTEREST. Legal rate, six per cent. Contract for
more is void as to excess, and an instrument showing
usury on its face can not be sued on .
LIMITATIONS OF SUITS. Upon bonds, notes, accounts
and contracts generally, six years ; judgments or de
crees of courts of record and other cases not expressly
provided for. ten years . Revivor : Acknowledgment,
expressed willingness to pay or promise ; part payment
not in itself sufficient.
MARRIED WOMEN can hold real andpersonal property
exempt from the husband, and not liable for his debts.
Widow takes dower in one - third of the lands of which
her husband died seized, and where the husband dies
intestate and without heirs , she takes his entire real
estate absolutely ; subject, however, to the payment of
his debts . She takes one-third of the personalty , but if
there are more than two children, then a child's part
only .
MORTGAGES and deeds of trust take effect as to third
parties only from registration . Can be foreclosed with
out intervention of court when power of sale is con
ferred in the instrument. Chattel mortgages are good as
to the contracting parties withoutregistration, butnot as
against purchasers without actual notice, and creditors.
NOTES AND BILLS OF EXCHANGE. Days of grace are
not allowed on bills of exchange payable at sight.
Negotiable paper falling due on January 1, July 4 , De
cember 25, or any duly appointed day of Fasting or
Thanksgiving, is due on the previous day, unless such
previous day is Sunday, in which case it is due on the
Saturday preceding:
Suits . "Actions in courts of record are commenced
by summons issued by the Clerk of the court, and non
residents may be served by publication .
TAXES are a lien on the real estate on which they are
levied . Sales of land for delinquent taxes are made on
the first Monday in July of each year, and one year is
allowed for redemption , on payment of taxes and costs
and interest thereon at fifty per cent. per annum .

COMMERCIAL LAWS.

TEXAS.
ACKNOWLEDGMENTS of Instruments for Record $ 5,000 in value at the time of their designation as the
may be made without the State, but within the United homestead, exclusive of improvements, provided the
States, or Territories, before Clerk of some court of same be used as a home, or as a place to exercise the
record having a seal, Commissioner of Deeds for Texas, calling or business of a head of a family. The home
Notary Public; without the United States, before a stead is protected from forced sale except for taxes , or
Minister, Commissioner, or Charge d' Affairs, Consul for the purchase money, or for improvementsthereon,and
General, Consul, Vice Consul, Commercial Agent, Vice in this last case, only when the work and materials are
Commercial Agent, Deputy Consul, or Consular Agent contracted for in writing, with the consent of the wife,
of the United States, Notary Public .
given in same manner as required in making a sale of
ALIENS may acquire property rights under either of homestead. In case of death of the husband , the widow
two provisions of law . (1. ) They shall enjoy such and children have one year's support from the estate,
rights as are or shall be accorded to citizens of the
and if the property exempt by law does not exist in
United States by the laws of the nation to which such kind, a sufficiency of the estate may be sold for cash ,
aliens belong, or by the treaties of such nation with the to raise allowance for homestead, not to exceed $ 5,000,
United States. (2.) Aliens who become residents of and for other exempt property not to exceed $ 500 . All
this State, and shall have declared their intention to household and kitchen furniture, all implements of hus
become citizens of the United States, have all the prop bandry, all tools and apparatus belonging to any trade
erty rights in this State of citizens of United States.
or profession, all books , five milch -cows and calves, two
APPEALS to the Supreme and Appellate Courts for yoke of work oxen , two horses and one wagon , one
delay, will be attirmed, with ten per cent. on the carriage or buggy, twenty hogs, twenty sheep , all pro
amount
dispute,
as damages, together with inter visions and forage on hand for home consumption , and
costs
est and in
.
sundry other articles, are also exempt.
ATTACHMENTS issue, on bond in double amount of
INTEREST : legal, eight per cent ; conventional up to
debt being given , and affidavit of plaintiff; that de twelve per cent. Open accounts, no rate agreed upon,
fendant is justly indebted to plaintiff, and the amount legal interest from January 1st thereafter. Judgments
of the demand ; that attachment is not sued out for pur bear rate stipulated in contract sued upon. Usury for
pose of injuring or harassing, defendant ; that plain feits all interest; not indictable.
INSOLVENT AND ASSIGNMENT LAWS. A general as
iiff will probably lose his debt unless such attach
ment is issued; and stating, further, either of follow signment, by insolvent debtor, must be recorded ; have
ing grounds, that the defendant (1. ) Is not a resi annexed an inventory, under oath , of all creditors;
dent of the State, or is a foreign corporation, or is their residence ; sum , and consideration due each ; how
acting as such . (2. ) Is about to remove permanent evidenced ; place created ; collateral securities held by
ly out of the State, and has refused to pay or secure creditors ; with statement of debtor's entire estate, giv
the debt due the plaintiff. (3.) Secretes himself so ing values. Insolvent debtors may make assignments
that the ordinary process of law can not be served for benefit of such creditors only as will accept their
on him . (4. ) Has secreted his property for the pur pro rata in discharge of all liability. Any creditor
pose of defrauding his creditors. (5.) Is about to se having reason to believe such debtor has concealed his
crete his property for the purpose of defrauding his property, may have him summoned before District or
creditors. (6.) Is about to remove his property out CountyJudge, and examined under oath , etc. Any at
of the State , without leaving sufficient remaining for tempted preference of one or more creditors shall be
the payment of his debts . (7. ) Is about to remove deemed fraudulent and without effect. Concealment
his property, or a part thereof, out of the county where by debtor of his property from assignee, or transfer of
the suit is brought, with intent to defraud his credit property previous to and in contemplation of assign
ors . (8.) Has disposed of his property , in whole or ment, with intent to defraud creditors,is made a felony.
JUDGMENT LIEN . In District and County Court,
in part, with intent to defraud his creditors. (9.) Is
about to dispose of his property with intent to defraud judgment is a lien on debtor's real estate in county
bis creditors. (10. ) Is about to convert his property, where rendered, if an abstract of judgment shall be
or a part thereof, into money, for the purpose of plac filed and recorded in a book kept for that purpose, in
ing it beyond the reach ofhis creditors . (11.) That the office of County Court Clerk. Lien takes effect
the debt is due for property obtained under false from date record and index of abstract. A similar
pretenses.
abstract filed, recorded and indexed in any other
CHATTEL MORTGAGES, to be valid as to creditors, county, creates a lien in like manner. In Federal
and as to purchasers without notice, must be accom Court, a lien upon debtor's real estate within the District.
LIMITATION TO SUITS. Written contracts, four years ;
panied by immediate delivery, followed by actual and
other than open accounts between merchant
continned change of possession of property, unless accounts,
the same, or a truecopy thereof, is filed in the County and merchant, their factors and agents, two years.
Clerk's office of county where property situated, or in Mortgage lien barred with the debt, but new promise
county of residence of mortgagor . Mortgages held to which revives debt, and which must be in writing,
be mere security for the debt, and must be enforced revives mortgage.
MARRIED WOMEN can not bind themselves, nor their
by sale of property; sale of property, upon death of
mortgagor, must be enforced through Probate Court. separate estate, by making, drawing, accepting, or
CORPORATIONS, in suits by, not required to prove indorsing negotiable instruments. Her separate estate
corporate existence, unless defendant deny same by is not liable for husband's debts ; nor for her own con
tracts, except for expenses incurred for its benefit, or
sworn plea.
COURTS. Terms and Jurisdiction . Federal Court, for necessaries for herself and children . Property
two terms each year, at Dallas. Waco, Graham , Gal owned by wife before marriage, or acquired afterwards
veston,Tyler, Jefferson , Brownsville, San Antonio, by gift, devise, or descent, remains her separate prop
and Austin ; jurisdiction, where matter in dispute erty. That acquired after marriage, except as above,
exceeds sum or value of $ 500. District Court, two or by sale or exchange of separate property, is commu
terms each year, generally ; in Dallas county four, and nity property.
NOTES AND BILLS OF EXCHANGE. The liability of
in Galveston and Bexar, five terms ; jurisdiction ex
clusive as to land titles, and where value or sum over any drawer or indorser may be fixed, by instituting
$ 1,000 , exclusive of interest; and concurrent with suit against the acceptor or maker, before first term of
County Court from $ 500 to $ 1,000. County Court, six District or County Court, to which suit can be brought,
terms each year ; jurisdiction exclusive from $ 200 to or before second term , showing good cause why not
$ 500, except in a number of less populous counties, brought at first term ; within jurisdiction of Justice,
where its jurisdiction in commercial claims has been suit must be brought within sixty days . Protest: Such
abolished . Justice's Court, term each month ; jurisdic liability may also be fixed by protest, according to the
tion to $ 200.
custom of merchants. The holder of a protested draft
EXECUTIONS, from District and County Courts , issue or bill, drawn by a merchant in this State, upon his
in twenty days after adjournment; from Justice's Court, agent or factor without the State, may recover ten per
eleven days after judgment; in latter, may be stayed cent. damages thereon , besides interest and costs. Days
ninety days ; in all, upon plaintiff, his agent or attor of grace- (three ) allowed on all negotiable instruments.
PRIVATE SEALS. Abolished February 2, 1858.
ney, making affidavit to certain facts, shall issue forth
Suits, Where brought. A defendant may be sued in
with. No redemption of land sold under execution.
EXEMPTIONS. By the Constitution of 1875 , (became the county in which the contract sued on by its terms
is to be performed, or in county of his residence, at
the
organic
thirdnot
Tuesday
of April
1876),consists
the home
stead
of a law
family
in a town
or, city
of option of plaintiff .' Thus a note , payable at the City
two hundred (200) acres of land, which may be in one Bank of Dallas, may be sued on in Dallas county,
or more parcels,with improvements thereon. In a city, though defendant reside in another county. This ena
town or village it consists of a lot or lots not to exceed bles parties to concentrate their collections .

COMMERCIAL LAWS.

TAXES. Non-residents may pay State and County
taxes to the Comptroller of the State, at Austin , on
or before January 1st, next after assessment. Taxes
are a lien upon land until paid . Taxes becomedelin
quent, and forced collections of same begin , on and

after 1st day of March, next succeeding the year for
which they are assessed . Owner has two years within
which to redeem land sold for taxes, by paying to pur
chaser double the amount paid for the land.

UTAH.

ACKNOWLEDGMENTS may be made, within the Terri
EXECUTIONS may issue at any time within three years
tory, before a Judge or Clerk of a court having a seal, after judgment, and can only be stayed by appeal or by
a NotaryPublic, County Recorder, or Justice of the leave of court. Property sold under execution may be
Peace. Elsewhere in the United States, before a Judge redeemed within six months,on paymentof the amount
or Clerk ofany court having a seal, a Notary Public, or paid , with six per cent, interest and all charges, etc.
a Commissioner of Deeds for Utah. Out of the United
EXEMPTIONS. Homestead, not exceeding $ 1,000, to
States, before a Judge or Clerk of court as aforesaid, a head of family, and $ 250 extra for each member of
Notary Public, or any Minister, Commissioner or Con family. Also household furniture, tools oftrade, farm
sul of the United States, appointed to reside in the ing implements , certain domestic animals and provis
country where the deed is offered .
ions for sixty days, one sewing machine, and the instru
ASSIGNMENTS AND INSOLVENCY . There is no insolvent ments or libraries of professional men .
law, and no law governing assignments for benefit of
INTEREST. Legal rate ten per cent . No usury laws .
creditors.
JUDGMENT becomes a lien on all the real property of
ATTACHMENT process may issue in an action upon debtor within the county , and so continnes for two
a contract which is not secured by mortgage, lien , or years from time of docketing. Lien may be extended
pledge, upon real estate or personal property situated to other counties by filing transcript. Judgments are
in this Territory, or if secured, after the security has barred after five years.
LIMITATIONS OF SUITS . Open accounts and contracts
been rendered nugatory by the act of the defendant,
against a non-resident defendant oragainst a defendant not in writing, two years ; contracts or obligations found
who has departed or is about to depart from the Terri ed on writing, four years ; judgments, five years ; re
tory or county wherein the action is brought, or con covery of lands, seven years. Revivor : Acknowledg
ceals himself so that process can not be served on him , ment or promise in writing.
MARRIED WOMEN retain all their property, exclusive
or who is disposing of his property, with intent to
defraud his creditors, by plaintiff making affidavit and of any right or control of the husband , and notsubject
giving an undertaking . After return ofexecution un to husband's debts ; no property owned by the wife at
satisfied, the court may order any property or debt of the timeof marriage passes to the husband; it remains
the defendant in the hands of a third party to be applied the separate property of the wife, and all property
on account of the judgment. Defendant in a civil acquired by her during marriage is her sole and separate
action may be arrested when about to leave the Terri property ; and with reference to her separate property,
tory with intent to defraud creditors, or where the she can contract and control the same as if she were a
debt was fraudulently contracted, or when defendant feme sole. Dower has been abolished.
MORTGAGES of real estate must be acknowledged as
has removed or disposed of property. Plaintiff must
furnish secured bond in at least $ 500, and defendant deeds, and must be foreclosed by proceedings in equity.
may be released on giving like bond to pay the judg There are po statutes regulating chattel mortgages,
ment or to appear at any time.
which are therefore subject to the common law. Same
COURTS. Terms and Jurisdiction. District Courts, redemption of realty as if sold under execution .
with exclusive original jurisdiction in chancery , and in
NOTES AND BILLS OF EXCHANGE are governed by the
all actions at law involving over $ 300, and all suits law merchant. Grace is allowed on sight drafts.
Suits. There is but one form of civil action , and all
relating to land or mining property, hold four terms
each year in Beaver City, two in Provo City, four in Salt suits must be prosecuted in the name of the real party
Lake City, and two in Ogden. Eachorganized county at interest . Service on non-residents may be had by
has a Probate Court with the usual powers . Justice's publication .
jurisdiction, $ 300.

VERMONT.

ACKNOWLEDGMENTS . All deeds must be signed and
sealed in the presence of two witnesses. They may be
acknowledged in this State before a Justice of the
Peace, Notary Public or Master in Chancery. Outside
the State, before a Justice, Notary Public or Commis
sioner for Vermont, or any other officer authorized by
the laws of such other State to take acknowledgments
of deeds.
ASSIGNMENTS AND INSOLVENCY . There is an insolvent
law (passed in 1876 ), but its provisions are of no effect
as regards non-resident creditors. The Probate Courts
have jurisdiction in insolvency. All assignments must
be for the benefit of ail creditors. Non-resident cred
itors can prove their claims and take their dividends,
but the discharge would be of no effect outside of Ver
mont.
ATTACHMENTS may issue on mesne process and trus
tee process will reach goods, effects or credits of de
fendant in the hands of a third party when the judg
ment, exclusive of costs, against defendant and the
amount in the hands of trustee each exceed $10. De
fendant in a civil action may be arrested when about to
leave the State with intent to defraud.
COURTS . Terms and Jurisdiction . Justice's Courts
have jurisdiction of all actions of a civil nature, except
actions for slanderous words, false imprisonment, re
plevin for goods and chattels where the value thereof
exceeds $ 20, and where the title to land is concerned
where the matter in demand does not exceed $ 200; and
of actions of trespass on the freehold where the sum in
demand does not exceed $ 20. County Courts have
jurisdiction of all debts exceeding $ 200, and of the ex
ceptions above named.
EXECUTIONS are issued from County Courts at the

close of term , and from Justice's Courts immediately
after
rendered,
andbyareorder
returnable
in sixty
days. judgment
Can only
be stayed
of court.
Six
months allowed for redemption of real estate levied
upon . The land is set off at a certain value, and becomes
plaintiff's if not redeemed in six months .
EXEMPTIONS. Homestead, $ 500 ; necessary wearing
apparel, household furniture and tools, one cow , ten
sheep , one yoke of oxen and two horses with forage
for one winter, double wagon and sleigh , harness and
some other small articles. Also all growing crops, a
sewing machine, certain provisions, and instruments
and libraries of professionalmen to the value of $ 200.
INTEREST . The legal rate is six per cent . per annum .
Judgments bear legal rate. Only the excess paid is
forfeited , and that may be recovered back or set up in
reduction of claim , if such action is brought or defense
made within six years after payment of the usury.
JUDGMENTS do not of themselves create a lien on
property not attached upon mesne process.
LIMITATIONS OF Suits . Simple promissory notes are
barred in six years, but notes signed in presence of
an attesting witness are not barred until fourteen years
next after the right of action shall accrue thereon ." AC
counts are barred after six years from the last credit ;
sealed instruments and judgments, after eight years. A
verbal promise to pay will not revive a debt, but must
be in writing. A partial payment will revive the debt ;
but, in case of a note, the payment can not be shown
by the indorsement of the payment alone unless in the
handwriting of the party making the payment.
MARRJED" WOMEN hold their own property separate
from that of theirhusband, and are not liable for his
debts. The husband must join in the conveyance of

COMMERCIAL LAWS.
his wife's real estate. A married woman may make a
will and thereby devise her real and personal property .
Widow takes dower in one-third of all real estate of
which her husband died seized .
MORTGAGES are foreclosed by process of law, and the
premises may be redeemed within one year of the date
of decree of foreclosure. Chattel mortgages are not
valid as against bona fide purchasers or subsequent
attaching creditors without change of possession of the
property, except in the case of machinery in use. In
the latter case the instrument must be executed, ac
knowledged and recorded in the same manner as mort
gages of real estate, and must be foreclosed, assigned
and discharged in the same way. By an act passed in
1878, mortgages of personal property, properly recorded
in the Town Clerk's office of the town where the mort
gagor resides, are valid, and hold the property without
change of possession; a provision for sale of the
property after condition has been broken thirty days is
made, and sales are by public auction .
NOTESAND BILLS OF EXCHANGE are entitled to three
days grace, unless payable on demand or at sight, or in
any way but iu money. Notes payable on demand are

considered overdue after sixty days from date. When
ever any bill or note, or other contract not subject to
grace, shall fall due on Sunday, the 1st day of January,
4th day of July , 25th day ofDecember, or the 30th day
of May, called Decoration Day, or any day appointed
by the Governor or President as a day of fast or thanks
giving, thesame shall,
for every purpose ofprotest and
notice, be taken and considered as due on the first day
next following. The maker and indorser of a promis
sory note can not be joined in one suit. The note of a
married woman , unless secured by mortgage, is void as
against her.
Suits before the County Court are brought in the
county where plaintiff or defendant resides - if both are
non-resident, then in any county. Actions of ejectment
and trespass on the freehold must be brought in the
county where the land lies, and actions of replevin where
the goods are detained .
TAXES. Lands sold for taxes may be redeemed with
in one year on payment of the full sum for which they
were sold, with legal costs and twelve per cent. in.
terest.

VIRGINIA :

ACKNOWLEDGMENTS , within the State may be taken
before any County or Corporation Court, or the Clerk
thereof in his office, or before a Justice, Commissioner in
chancery, and Notary ( within their respective counties ).
Without the State, but within the United States, they
may be taken before any court in the United States, or
the Clerk thereof in his office, or before any Justice,
Commissioner in Chancery, Notary , orCommissioner
appointed by the Governor of Virginia for such State.
Without the United States they may be taken before
any Minister Plenipotentiary, Charge d'Affaires, Consul
General, Consul, Vice-Consul,orCommercial Agent of
United States to such foreign country, or before any
court of such country, or the Mayor, or other Chief
Magistrate of any city, town or corporation therein .
ASSIGNMENTS AND INSOLVENCY. Vo insolvent laws
and no statutory provisions concerning assignmerts.
But » n insolvent debtor may make a voluntary assign
ment to a trustee for the benefit of creditors, and may
prefer certain creditors to others. Such assignment does
not operate as a release.
ATTACHMENTS muy issue upon bond being given and
affidavit filed in the following cases : First, against a
non-resident debtor having effects in this State. Sec
ond, against a defendant in any suit who is removing,
or intends to remove his effects out of the State pend
ing the guit. Third, against a debtor who has removed,
is removing, or intends to remove his effectsoutof the
State whether claim be due or not. Fourth , against
tenants removing their effects from the leased premises
before the rent becomes due. Fifth , against vessels for
materials and supplies furnished , work done, etc., but
this provision is void as in conflictwith admiralty juris
diction of United States Courts, to which forum the re
course practically is confined By garnishment debts
owing defendant may be collected and the proceeds held
to await judgment. Arrest in aid of remedy in civil
action lies where it appears from plaintiff 's affidavit
that defendant is likely to abscond, unless arrested,
when a capias ad respondendum issues against him
under which he is arrested, and required to enter into a
bail-bond (in the alternative of going to jail) conditioned
should judgment go against him to respond to interrog
atories touching his property.
COURTS. Terms and Jurisdiction . Circuit Courts by
recent statute, hold three terms annually in each county
and the city of Richmond, and special terms when
dispatch of business reqnires. But under special acts,
only two terms are held in many of the counties, and
the other cities of the State, than Richmond . They
have jurisdiction in all cases at law ,and in equity,where
the amount involved ( exclusive of interest) exceeds $ 20 .
Corporation Courts, ( in towns having over 5,000 inhab
itants ), with jurisdiction mainly concurrent with Circuit
Courts in civil cases, hold four terms annually for the
trial of such cases. Justice's jurisdiction by act taking
effect July 1, 1880, enlarged to $ 100, with right to de
fendant, when amount exceeds $20, to remove case to
County or Corporation Court.
EXECUTIONSmay issue at once for special cause shown
to the court, and after the fifteenth day of the term any
court may make an order allowing execution to issue
on judgments and decrees after ten days from their
date. It must be returned on the first day of a term of
court, or fir Monday of a month , as the time of is
suing the execution may make
convenient, pro
vided that not more than ninetyitmost
days intervene between

the teste and the return day of the process. Execu
tions from Justice's Courts may issue forthwith, but
stay may be had on furnishing proper security ; over $10
and under $ 20,forty days; $ 20 to $ 30 , sixty days ; and over
$ 30, ninety days. There is no stay in the upper courts,
and no redemption of property sold under execution .
EXEMPTIONS. Homestead exemption of householder,
being the head of a family, to the value of $ 2,300
which may be either real or personal property. Also
books to the value of $ 100, wearing apparel, beds,
stoves, and household utensils, sewing machine, cer
tain domestic animals, and mechanic's tools, not ex
ceeding $ 100 in value.
INTEREST. The rate of interest can in no case exceed
six per cent.,
on loans
to certain
Lenders
forfeitexcept
Judgments
all interest
in case
of usury.corporations.
bear six per cent. interest. Corporations can not plead
usury .
JUDGMENTS are liens when recorded on all real estate
of the judgment debtor within the county .
LIMITATIONS OF Suits. For articles charged in store
account, two years ; contracts not under seal, five years;
upon indemnifying or fiduciary bonds , ten years ; all
other contracts under seal, twenty years ; recovery of
lands in cases of forcible entry, unlawful entry or un
lawful detainer, three years ; in other actions for lands,
fifteen years when situated east of the Alleghany
Mountains, and ten years when situated west of those
mountains. Revivor : New promise in writing or
writtenacknowledgment of a specific debt from which
a promise may be implied; part payment not sufficient.
MARRIED WOMEN . The real and person property
of a woman married since April 4, 1877, owned by her
at the time of such marriage, and any property, real or
personal, acquired by a married woman as a separate
and sole trader, is free from the control of her husband,
and is not liable for his debts. Widow takes dower as at
common law .
MORTGAGES are superseded by deeds of trust, which
may be foreclosed by the trustee without the interven
tion of a court of equity. Such deeds may be given for
both realty and personalty, and in either case must be
recorded.
NOTES AND BILLS OF EXCHANGE . Where a bill of
exchange, drawn or indorsed within this State, is pro
tested , the party liable for the principal of such bill
shall, in addition, pay damages upon the principal at
the rate of three per cent, if the bill be payable out of
Virginia and within the United States, and ten per
cent. if payable without the United States . On all ne
gotiable notesand bills payable ata future day, grace is
allowed according to custom of merchants. No grace
on sight drafts.
Suits. The case may be put on Court Docket after
expiration of second rules from service of summons
on defendant. The first Monday in each month , and
the two following days are rule days . Suit may be
brought : 1st, in the county or corporation where
defendant resides, or 2d, in the county or corporation
where the cause of action arose, provided process can
be served on defendant in such county or corporation .
Taxes are a lien on the real estate on which they are
assessed from the 15th of December in the year in
which the assessment is made. Real estate sold for
taxes may be redeemed within two years by payment
of the amount of purchase money, subsequent taxes,
and interest at ten per cent. per annum.

COMMERCIAL LAWS.

WASHINGTON .
ACKNOWLEDGMENTS. Deeds must be in writing, and
attested by two witnesses. Acknowledgmentsmay be
taken by a Judge of theSupreme Court, orClerk thereof,
or the Deputy of such Clerk ; Judge of the District Court
or a Clerk thereof, or the Deputy of such Clerk ; Judge
of the Probate Court, or Clerk thereof, Justice of the
Peace, County Auditor, or a Notary Public. Acknowledg
ments of deeds or conveyances may be executed or ac
knowledged in any other State or Territory in the
form prescribed ior executing and acknowledging
deeds within the Territory , and the execution thereof
may be acknowledged before any officer authorized
thereto in the State or Territory where made, and if not
acknowledged before a Commissioner for this Terri
tory, or a Clerk of a court of record , or Notary Pub
lic, or other officer having a seal , said acknowledgment
shall have attached thereto a certificate of a Clerk of a
court of record, or other certifying officer that the
person whose name is subscribed to certificate was, at
the date thereof, such officer as he represents himself
to be, that he is authorized by law to take acknowl
edgments of deeds, and that he firmly believes the sig
nature of the person subscribed thereto to be genuine.
In any foreign country, before any Minister Plenipoten
tiary, Charge d'Affairs, Consul General, Vice Consul,
or Commercial agent of the United States, or before
the proper officer of any Court of said country, or the
Mayor or Chief Magistrate of city, town, or other muni
cipal corporation therein , and must be certified by such
officer, and such certificate shall be prima facie evi
dence of the facts recited therein.
ASSIGNMENTS AND INSOLVENCY. Insolvent debtor
may be discharged from debts upon executing an as
signment of all his propertyfor benefit of his creditors,
if done in good faith and withoutfraud. Such insolvent
debtor shall petition the Judge of the District Court,
within the place of his domicil or usual residence, stat
ing briefly the circumstances which compel him to sur
render his property to his creditors, with prayer to make
a cession of his estate and to be discharged from his
debts . Annexed to petition the debtor shall file a sched
ule containing a summary statement of his affairs, with
a list of his losses, if any, giving names of creditors if
known ; amount due to each creditor; cause and nature
of indebteduess, and existing judgment, mortgage or
other securities for the payment of any such debt.
Schedule shall contain complete inventory of all prop
erty, debts, moneys on hand, etc. , and full statement of
all incumbrances upon his property; also estimated
cash value of property surrendered. Schedule to be
signed and sworn to by debtor. The Judge shall make
an order requiring creditors to show cause why an
assignment should not be made, and the debtor dis
charged from his debts. The Court exempts and sets
apart for the use and benefit of such insolvent all prop
erty authorized by law to be retained for the use of the
debtor or his family . Creditors, after legal proof of
claims made, appoint one or more (not exceeding three)
assignees, in the appointment of whom the majority
prevails. Assignees give bonds in such sum as is de
termined by the majority of creditors, or by theCourt.
ATTACHMENT process may be had when defendant
is non -resident or a foreign corporation, or conceals
himself, to avoid service of process upon him , or re
moves, conveys, assigns, or disposes of his property
with intent to defraud creditors. Defendant may be
arrested on order of court on affidavit of fraud .

COURTS. Terms and Jurisdiction . District Court,
holding four to six terms a year in each district, has
jurisdiction in all civil causes, except probate matters
and such cases (below $ 100) as are cognizable by Jus
tices of the Peace. Probate Courts hold four regular
terms each year .
EXECUTION may be had at any time within five years
after judgment rendered. Real property sold thereun
der may be redeemed within six months. Stay is
allowed : In the Supreme Court, under $ 500, thirty days;
$ 500 to $ 1,500 , sixty days ; above $ 1,500, ninety days.
În District Courts, under $ 300, two months; $ 300 to
$ 1,000,
five months; over $ 1,000, six months.
EXEMPTIONS.
Homestead, to the value of $ 1,000,
when recorded and entered in office of Auditor as such.
Also to each householder, household goods, coin value
$ 150; to a mechanic the tools and instruments neces
sary to carry on his trade for the support of himself
and family : also material not exceeding in value $ 500
in coin ; all wearing apparel of every person and fam
ily ; also certain cattle to farmer, team , utensils, etc.,
$ 200; to professional men ,office furniture ,also libraries
and instruments, $ 500; boatmen , boats, $ 250 ; draymen,
team .
INTEREST. The legal rate is ten per cent. Any rate
of interest agreed upon in writing is valid . Judgments
bear legal rate from date, except when rendered upon
an express contract in writing, wherein a different rate
is agreed upon , in which case the judgment bears the
same rate.
JUDGMENTS are a lien on real estate for five years from
filing of the transcript .
LIMITATIONS OF SUITS. Contracts not in writing,
three years ; contracts in writing or liability arising out
of a written agreement, or a judgment or decree of any
court, or for rent-, issues or profits of real estate , six
years ;recovery of real property, lwenty years. Revi
vor: Part payment or promise in writing.
MARRIED WOMEN . Property of wife acquired before
marriage, and afterward by gift, devise or descent, her
separate property; same with husband; property other
wise acquired during coverture held in common ; all,
however, subject to control of husband. Husband
cannot sell , encumber or dispose of wife's separate
real property unless she joins him in the deed of con
veyance. Wife must join with husband in conveyance
of the community real property. Marriage settlements
must be in writing, executed, acknowledged, etc., as
grants of real estate . To avoid liability for husband's
debts, wife must record inventory of her separate
estate,
daly executed. Dower and tenancy by curtesy
are abolished.
MORTGAGES are executedand acknowledged same as
deeds, and are foreclosed in court of equity. Chattel
mortgages are void against creditors of the mortgagor
and subsequent purchasers, unless accompanied by
affidavit of all the parties thereto that the mortgage is
made in good faith, and without design to defraud
creditors, and recorded in like manner as conveyances
of real estate.
NOTES AND BILLS OF EXCHANGE. Three days grace
are allowed on bills of exchange payable at sight, and
on all negotiable promissory notes, orders or drafts
payable at a future day certain, unless there is an ex
press stipulation to the contrary.
Suits. Civilpracticeis under a Code, and all dis
tinctions in forms of action and suits are abolished .

WEST VIRGINIA.
ACKNOWLEDGMENTS may be taken before a Notary
Public, Recorder, Prothonotary, or Clerk of any court
of record within the United States, or Commissioner
appointed to act within the same by the Governor of
this State, duly authenticated by the official seal of
such officer annexed to the certificate of acknowledg
ment. Certificate of acknowledgment of a married
woman must state her private examination apart from
her husband ; that the writing was fully explained to
her, that she acknowledges it to be hers, declared she
had' willingly executed the same, and did not wish to
retract it.
ASSIGNMENTS AND INSOLVENCY. No insolvent law
and no statute regulating assignments in trust for

benefit of creditors. Such assignments are sometimes
made, but do not operate as a discharge. A defendant
debtor nnder arrest may be discharged from such arrest
by making conveyance of his property not exempt by
law. Assignments are made by deed acknowledged as
other deeds, and filed in office of Clerk of County Court.
If real estateis assigned , the wife of the assignor must
sign, seal and acknowledge the same to bar her dower.
ATTACHMENT process will issue on creditor's affidavit
that debtor, or one of them , is non-resident; has left, or
is about to leave the State ; conceals himself so that
summons can not be served upon him ; is removing or
about to reinove his property out of the State; is con
verting his property into money, etc. , with intent to

COMMERCIAL LAWS.
defraud his creditors ; has assigned or disposed of his
property with intentto defraud his creditors; has prop
erty or rights in action which he conceals, or fraudu
lently contracted the debt for which the action is
security
brought. Upon the creditor giving bond and property
the sheriff is required to take the attached
into his possession. Goods,effects or moneydue the
defendant in the hands of a third party can be
garnisheed. There is no imprisonment for debt in this
State, but defendant in civil action may be arrested
when about to leave the State or to remove or assign
property, etc., with intent to defraud his creditors .
COURTS. Terins and Jurisdiction . Justice's Courts
have jurisdiction in all civil actions where the amount
claimed does not exceed $ 100 exclusive of interest, and
the title to real estate does not come in question .
County Courts, where the amount in controversy ex
ceeds $ 20. Circuit Courts are held in each county, and
have jurisdiction where the amount of the debt exceeds
$ 50 exclusive
of interest. County Courts have full pro
bate powers .
EXECUTION issues immediately after term of court at
which judgment was rendered , and is returnable in
ninety days. There is no stay of execution in the
higher courts , but in Justice's Courts stay is allowed
as follows: Under $ 10 , one month ; $10 to $ 20 , two
months ; $ 20 to $ 50, three months ; over $ 50, four
months. There is no redemption of property sold un
der execution, deed of trust or mortgage when fore
closed.
EXEMPTIONS. Homestead to the value of $ 1,000 is
exempt, where the property of that value is devised or
granted to debtor, being a husband or parent, and
resident in the State, as.a homestead ; and where he,
previously to contracting the debt or liability, has
placed a declaration of his intention to keep tho prop
erty as a homestead on the land records of the county
in which the real estate is situated. Personal property
to the value of $ 200 is also exempted, provided debtor
is a resident and parent. Also $ 50 worth of tools of a
mechanic, artisan or laborer, whether he is a husband
or parent or not, provided that in no case shall the
exemption allowed any one person exceed $ 200.
INTEREST. The legal rate is six per cent. Excess of
interest is not recoverable under the law . Incorporated
companies, only , may borrow money, at higher rates.
Judgments bear six per cent. Illegal interest paid may
be recovered within five years.
JUDGMENTS are a lień upon all real estate of the
debtor, but to secure the lien against purchasers not
having notice judgment must be docketed in the County
Clerk's office within ninety days.
LIMITATIONS OF SUITS. Store account, three years;
accounts concerning trade between merchants , five
years ; contracts not in writing, or in writing and not

under seal , five years ; contracts under seal, twenty
years, except contracts executed after April 1, 1869,
whether under seal or not, ten years ; to recover land,
ten years. Revivor: Acknowledgment of debt or prom
ise in writing to pay .
MARRIED WOMEN . Property of wife acquired at any
time and from any source other than her husband , held
to her sole and separate use ; provided , that the husband
must join in conveyance of realty. Widow is endowed
of one-third of all the real estateof which her husband
was seized of an estate of inheritance at any time
during her coverture, unless such dower shall have
been lawfully barred or relinquished .
MORTGAGES are executed and acknowledged as deeds
but contain a clause of defeasance . They can only be
enforced by foreclosure in a court of equity, and their
place is taken generally hy deeds of trust which do not
require the intervention of a court. Chattel mortgages
are also little known.
NOTES AND BILLS OF EXCHANGE. Every promissory
note or check for money payable in this State at a
particular bank, or ata particular office thereof, for
discount and deposit, or the place of business of a
savings institution or savings bank, and every inland
bill of exchange payable in this State ,shall be deemed
negotiable. Three days of grace are allowed. When a
bill of exchange drawn or indorsed within this State is
protested for non-acceptance or non -payment, there
shall be paid by the party liable for the principal of
such a bill, in addition to what else he is liable for,
damages upon the principal at the rate of three per
cent. if payable out of the Stateand within the United
States, and ten per cent. if payable without the United
States. Commercial paper falling due on a Sunday is
payable and may be protested on the preceding day. If
on January 1 , July 4, or December 25, then on the pre
ceding day, or if ihat be Sunday then on the prece ling
Saturday.
PROOF OF CLAIMS. When claim is sent for collection
make the account out in detail . Send the full name of
the
who partner
is plaintiff
if name
a partnership,
nameparty
of each
and ; the
of the firmthe
. full
Ac
counts
can
be
proved
on
hearing
of
the
case
by
oral
testimony, or by depositions regularly taken . Non
residents are usually required to give security for costs.
Taxes are a lien on real estate from the first day of
February in each year, and draw six per cent. interest if
unpaid after the day fixed by law for payment. Every
two years (as in 1879, 1881, etc.) a tax sale is held in
each county, at which all the lands previously returned
delinquent and not redeemed are sold for taxes, in
terest,and a penalty of fifteen per cent. One year after
the sale is allowed for redemption. Silver coin is a
legal tender for all taxes.

WISCONSIN.
ACKNOWLEDGMENTS. Deeds executed within this
State - of lands or any interest in lands therein-must
be executed in the presence of two witnesses , and the
persons executing must acknowledge the execution be
fore any Judge of court of record , Commissioner, Clerk
of a Circuit Court, County Clerk , Notary Public, Justice
of the Peace, or Clerk of the Municipal Court of the
City and County of Milwaukee. If made by a corpora
tion organized under any law of this State, such ac
knowledgment must be made by the President or other
authorized officer of the corporation, sealed with the
corporate sealand countersigned by the Clerk of such
corporation . Deeds conveying land , or any interest in
land, situated in this State, if executed in any other
State, Territory or District of the United States, may
be executed according to the laws of such place, and
the acknowledgment may be before any Judge or Clerk
of a court of record, Notary Public, Justice of the
Peace, Master in Chancery, or other officer there
authorized by law to take the acknowledgment of deeds
therein , or before a Commissioner appointed by the
Governor of this State for such purpose. And if exe
cuted within the jurisdiction of any military post of the
United States, not within this State , it may be ac
knowledged before the commanding officer thereof. If
such acknowledgment be taken before any Commis
sioner appointed by the Governor of this state, Clerk
of a courtofrecord with seal attached, Notary Public
having a seal, or commanding officer of a military post,

the certificate of acknowledgment shall certify that said
acknowledgment and execution was according to the
laws of such State, Territory or District. If executed
before any other officer as above mentioned, shall have
attached thereto a certificate of the Clerk or other
proper certifying officer of a court of record of the
county or district within which such acknowledgment
was taken, under the seal of his office, that the person
whose name is subscribed to the certificate of ac
knowledgment was at the date thereof such officer as
he is therein represented to be, and that he believes
such signature to be genuine, and thatsuch deed was
executed according to the laws of such State, Territory
or District. If such deed be executed in any foreign
country , it may be executedaccording to its laws, and
acknowledged before any Notary Public – with seal
affixed - or other officer authorized by law there to take
such acknowledgments, or any Minister, Charge d'
Affaires, Commissioner, or Consul of the United States
appointed to reside therein , with certificate that such
execution and acknowledgment was according to the
laws of such country .
ASSIGNMENTS AND INSOLVENCY. An insolvent debtor
may make an assignment for the benefit of his credit
ors. He must present a petition to the Circuit Court,
or a Judge thereof, with sworn schedule and affidavit.
A creditors' meeting is held after due notice by publi.
cation, and on issue joined a jury trial may be had, and
defendant examined under oath as to his property. If

COMMERCIAL LAWS.
also interest of inventors in patents, also fire engines,
apparatus, etc., owned by any town, city or village.
These exemptions are to actual residents of the State
only, except family pictures, wearing apparel , house
hold furniture, andswords, plate , books, etc., presented
py Congress , are exempt to non -residents as well, and
no property is exempt from execution or attachment
upon a judgment in an action for the purchase money
of said property .
INTEREST. Parties may, in writing, contract for ten
per cent. but the rate on all moneys due, or payable
with interest, and on all judgments, unless expressly
named, will be seven per cent. No interest can be com
puted on interest, whether due by agreement at a fixed
time or otherwise, unless so distinctly agreed in writ
ing. Any corrupt, usurious agrec mentwhereby more
than ten per cent. is reserved , agreed to be paid, or
taken, forfeits all the interest paid or agreed to be.
JUDGMENTS of the Circuit Court are a lien on all real
estate of debtor within the county from the date of
docket, and lien continues ten years. Judgments of
Justices become liens on filing transcript, and all liens
can be extended to other counties in like manner .
LIMITATIONS OF SUITS. On contracts not under seal ,
six years : judgments of courts within the State and
sealed instruments, cause accruing within the State ,
twenty years ; foreign judgments and specialties, cause
accruing without the State, ten years; recovery of
bonds, twenty years. Revivor: Part payment or new
promise in writing ; if by one joint debtor it revives
only as to him.
MARRIED WOMEN . The property of a wife, acquired
at any time, from any source other than her husband , is
held to her sole and separate use and disposal. She
may convey real and personal estate precisely as if un
married, and although her husband does not join in her
deed of her separate property, his right oftenancy by
the curtesy will nevertheless be barred. Widow is en
titled to doweror use for life of one-thirdpart of all the
lands whereof her husband was seized of an estate of
inheritance at any time during marriage, unless lawful
ly barred .
MORTGAGES must be recorded in the office of the
Register of Deeds for the county wherein the land is
situated, and may be foreclosed by advertisement or by
suit in equity. One year is allowed for redemption.
Chattel mortgages are void as to third parties, unless
possession of the property passes to and remains in the
mortgagee. or the instrument, or a copy, be filed with
the Clerk of the town, city or village. In the last case,
it must be renewed every two years.
NOTES AND BILLS OF EXCHANGE. Days of grace are
allowed, except on bills, notes, and drafts payable on
demand. Bills drawn and indorsed within the State,
and payable out of the United States, when duly pro
tested for non-payment, draw amount due, interest, cur
rent rate of exchange, and five per cent. damages. On
bills of exchange drawn upon any person or corpora
tion out of this state, within some State or Territory,
and duly protested for non -acceptance or non -payment,
the drawer or indorser shall pay said bill with legal in
terest,
per cent. damages, and costs of protest.
Suitsfive
. Actions concerning real estate are brought in
the county where the land lies ; personal actions and
actions against foreign corporations, in any county.
Taxes are due and payable after the third Monday
in December, and iſ not paid by the last Monday in
January following, may be collected by distress . Länds
on which taxes then remain unpaid are returned as de
linquent, and are sold on the second Tuesday in May
for the tax, five per cent. penalty, interest, and costs.
Lands thus sold may be redeemed within three years or
any time before the tax-deed is recorded, by payment of
the amount
sold for, with twenty -five per cent. interest
and costs.
4

jury find for insolvent, the Court will grant his dis
charge, but this is voidable where frand has been prac
ticed .
ATTACHMENT may be had in courts of record where
debt exceeds $ 50, when defendant is a foreign corpora
tion or non -resident, or has absconded or concealed
himself, assigned , disposed of, or concealed his prop
erty, or attempted to do so, or to remove it out of the
State, with intent to defraud creditors, or when the
debt was fraudulently contracted , or when the defend
ant is principal on an official bond , or when the action
in tort exists to the amount of $50, and defendant is
non - resident or a foreign corporation . Real estate may
be bound by filing a copy of the attachment and a
description of the land in the Register's office of the
county where the land lies . Money or property of de
fendant in the hands of another, or debts due defend
ant, may be garnisheed. Defendant may be arrested on
affidavit of fraud in contracting the debt, etc. Plain
tiff must give bond in all cases . In Justice Court
attachments for same cause, if amount is over $ 5, and
less than $ 200, no bond required, nor can real estate
be attached in Justice's Courts.
COURTS. Terms and Jurisdiction. Circuit Courts,
holding two to four terms each year in each county,
have original jurisdiction in all civil actions not cog
nizable by Justices of the Peace. County Courts have
full probate powers, and are always open for business.
The County Courts of Brown, Dodge, Fond du Lac,
Milwaukee and Winnebago counties have civil jurisdic
tion up to $ 20,000, except Brown $ 5,000, and Milwaukee
$ 5,000. Justice's jurisdiction ,$ 200.
EXECUTION on Circuit Courtjudgments may issue as
soon as costs are taxed and judgment is docketed, and
are returnable within sixty days and may be issued
at any time within five years. In Justice's Court
execution may be issued at any time within five years,
but the losing party is allowedfive days in which to put
in stay, and in Justice's Court executions are return
able in thirty days. In Justice's Court , on bond with
surety being given for payment of the judgment,
execution may be stayed, if put in within five days,
pot exceeding four months. No stay of execution,
issued on judgments obtained in Circuit Court, can
be had , except in cases of appeal . Real estate sold
under execution may be redeemed by the owner within
one year ; by any judgment or mortgage creditor
having a subsequent lien , within one year and three
months .
EXEMPTIONS. Homestead of forty acres, outside of
any town, city, or village plot, or of one-fourth of an
acre if within such plot, with dwelling-house, etc ,
without regard to value. Also family pictures, or
school books, library of debtor, wearing apparel of
debtor and family, all stoves putup and kept for use ,
all cooking utensils, and all other household furniture
not herein enumerated, not exceeding $ 200 in value ;
two cows, ten swine, one yoke of oxen and one horse,
or two horses or mules, ten sheep, and the wool from
same either raw or manufactured ; the necessary food
for above stock for a year's support ; one wagon , cart,
or dray, one sleigh, one plow , one drag, and other
farming utensils , including tackle for teams, not ex
ceeding $ 50 in value ; provisions and fuel for one year ;
tools and implements and other stock in trade ofa me
chanic or miner or other person, not exceeding $ 200 in
value ; all moneys from insurance of exempt property ;
earnings of all married persons or those who have to
provide for the entire support of a family, for sixty
days next preceding the issuing of any process ; all
sewing machines kept for use ;any swords, plate, books,
or other articles presented by Congress orthe members
thereof. Also printing materials and press or presses
used in the business of any printer or publisher to an
amount not exceeding $ 1,500 in value, also abstracts,

WYOMING .
ACKNOWLEDGMENTS must be made before a Judge or
Clerk of a court of record, or before any County Clerk ,
Notary Public or Justice of the Peace within this Ter
ritory . If made out ofthe Territory, before any officer
authorized by the State or Territory, in which it is
made, to take acknowledgments, before the Clerk of any
Court of Record , or before any Commissioner appointed
by the Governor of this Territory for such purpose.
Acknowledgments must be subscribed to before two
witnesses who shall subscribe as such.
ASSIGNMENTS AND INSOLVENCY. No insolvent law,

and no statute regulating voluntary assignments, which
are governed by the common law. A voluntary assign
ment may be made to one or more creditors for the
benefit of all.
ATTACHMENT may issue against all the property of
persons who are non-residents of this Territory ,against
foreign corporations, and may issue when the defend
ant has absconded, or has removed or concealed, or is
about to remove or conceal his property , or a part
thereof, with intent to defraud bis creditors ; has prop
erty or rights in action which he conceals ; is about to

COMMERCIAL LAWS.
convert his property into money, with intent to defraud
his creditors; fraudulently contracted the debt or in
curred the obligation for which suit is brought; and in
all cases where the debt does not exceed $ 250 , is not
otherwise secured, and which has not been paid when
due, and within ten days thereafter on demand. Arrest
in civil actions may be made on the ground of fraud or
concealment of property, etc. Garnishee process may
be had in aid of attachment. Attachments against
foreign corporations do not require undertakings.
Property is not exempt from attachment and sale on
execution for the purchase money of said property.
COURTS. Terms and Jurisdiction. District Court is
held twice a year in each organized county , and has full
common law and chancery powers. There is a Probate
Court in each county. Justice's jurisdiction, $ 100.
EXECUTION may issue immediately after judgment
rendered , and is returnable in sixty days from a court
of record, and thirty days when issuedby a Justice of
the Peace. There is no stay law except in Justice's
Courts , and no provision for redemption.
EXEMPTIONS. Household furniture, provisions, etc. ,
$ 500 ; tools , team, implements or stock ir trade of
mechanic, miner or other person, kept for his trade or
business, $ 300 ; library and instruments of professional
man, $ 300 ; homestead actually occupied as such by
head of family in country, 160 acres; in town, lot or lots
in value $ 1,500 .
INTEREST: In the absence of express contract, all
moneys, claims or judgments draw interest at the rate
of twelve per cent. per annum . Any rate may be

agreed upon in writing ; unsettled accounts draw inter
est after thirty days from date of last item.
JUDGMENTS are a lien on debtor's real estate within
the county from the time of entry , which lien continues
for five years.
LIMITATIONS OF SUITs. On contracts not in writing,
four years ; upon specialty or agreement in writing,
five years , on all foreign judgments, or contracts made
or incurred before debtor becomes a resident, within
one year after he establishes residence in Territory ;
recovery of lands, twenty -one years . Revivor : Part
payment or acknowledgment in writing.
MARRIED WOMEN. A married woman retains her
property, both real and personal, may make a will, car
ry on business, sue and be sued ,and retain herown earn
ings. She may also vote and hold office. There is no
law of dower.
MORTGAGES must be attested by two witnesses, ac
knowledged and recorded, and are foreclosed by bill in
equity. Chattel mortgages are subjectto the same rules
and must be renewed yearly. They cease to be valid
against creditors or subsequent purchasers in good
faith , after the expiration of two months from the end
of the term for which they are given , and may be fore
closed by advertisement for, not less than thirty days.
NOTES AND BILLS OF EXCHANGE are subject to the
law merchant, and grace is allowed on all negotiable
paper, including sight drafts.
Suits. There is but one form of action, and the
Code of Procedure is precisely similar to that of Ohio.

CANADA.
INTEREST. The legal rate is six per cent. , but parties
may agree upon any rate, but if no contract is made,
six per cent. only can be collected . Banks, by law,
can not chargemore than seven per cent.
NOTES AND BILLS OF EXCHANGE. Three days of grace

are allowed on commercial paper. Promissory notes
andbills of exchange are negotiable, and are subject to
the right of set -off between the parties, but not as to
third parties, if acquired by them before they become
due. Protesi fixes liability of indorser.

IMPORTANT TO

UNITED

STATES

CREDITORS .

LAW

ASSOCIATION ,

ESTABLISHED IN 1886.
FAIRCHILD & BLACKMAN,
Attorneys and Counsellors ,
TRIBUNE BUILDING, CHICAGO.

DIRECTORS

We have ample facilities in our own office for making Collections, and the transaction
of Commercial Legal Business in this city, and through our representatives and associates
at all other points.
We give PERSONAL ATTENTION to all important business received at this office, and
transact the same with every possible energy and dispatch.

WE REFER TO THE FOLLOWING CLIENTS.

FIRST NATIONAL BANK, Chicago.
HOME NATIONAL BANK,
HIDE AND LEATHER BANK, “
Wholesale Grocers, Chicago.
W. J. QUAN & Co. ,
3
KELLOGG & BARRETT,

SWEET, DEMPSTER & Co. ,
Wholesale Hats and Caps, Chicago .
66
WOLFF Bros. & Co. ,
FULLER, WARREN & Co. , Wholesale Stoves,
CHICAGO STOVE WORKS,

CRIBBEN & SEXTON,
REID, MURDOCH & FISCHER,
JNO . A. TOLMAN ,

CHICAGO & ERIE STOVE Co. , 66

WM . STEWART,
KNOWLES, CLOYES & Co. ,

C. T. RAYNOLDS & Co.,Wholesale Paints & Oils, “
66
66
THE ALSTON M'F'G Co. ,
JNO. W. MASURY & Son ,

HEATH & MILLIGAN ,

H. A. KOHN & BROTHERS , Wholesale Clothing,
CAHN , WAMPOLD & Co. ,

60
EINSTEIN , LONGINI & Co. ,
L. LOEWENSTEIN,

PARKER, Coit & Co.,

WRIGHT & LAWTHER , Oil and Lead M'f'g Co.,
PITKIN & BROOKS ,
Wholesale Crockery ,

GREENSFELDER , ROSENTHAL & Co. ,
Wholesale Boots and Shoes,

CHAPMAN , GRIER & Co.,

SHAY, KILDUFF & Co. ,

FRENCH, POTTER & WILSON ,

SELZ, SCHWAB & Co. ,
MERRILL & BROOKS,

WM. BLAIR & Co. , Wholesale Hardware,
SIDNEY SHEPARD & Co.,

GEO . P. HOLMES & Co. , 66

66
(Rubber)

FIELD, BENEDICT & Co. , Wholesale Woolens,
HIBIDWEYER & STIEGLITZ,

BRINTNALL, LAMB & Co.,
BEST , RUSSELL & Co., Wholesale Tobacco ,
M. E. MCDOWELL & Co. ,

66
CARSON, PIRIE ,SCOTT & Co.,Wholesale DryGoods,"

PIONEER TOBACCO Co. ,

GIMBEL, FLORSHEIM & Co.,
66
Wholesale Hats and Caps,

ROTHSCHILD, SCHROEDER & ELIEL,

Important to Officers and Employes of Banks and
Railroads in the United States .

BONDS

SURETYSHIP .

No Bank or Railroad Employé need ask his friends to become OR CONTINUE his Sureties, as
THE CANADA GUARANTEE COMPANY
Grants Bonds of Security for all eligible men , in these positions, at a trifling charge per annum ,
and its Bonds are already accepted by many of the principal U. S. BANKS AND RAILROAD
COMPANIES in preference to the Bonds of private persons. In Canada they are now almost
universally used by the Governments, Banks,Railways and Commercial Institutions generally.
THE CANADA GUARANTEE COMPANY is the only Company extant on the American Conti
nent that has successfully conducted this business,-one result of which is that it has now
established a Bonus system for those who have been 3 or more years on the Books, whereby
the subsequent premiums will be subject to annual reductions, —the reduction this year is
from 15 to 35 per cent. on the original rate, which (within a certain radius) is one per cent.
per annum on the amount of Bond required. The Bonds are not affected by the removal of
the Employé from one Position or Station to another, and should an Employé leave the ser
vice during the currency of his Bond , the balance of the Premium for the unexpired risk
will either be returned him or can be applied to his successor.
The chief advantages of transacting business with this Company are that it is a well
established institution, the heavy expenses of organization are past, and it has now ample
reserves, over and above its capital, to provide against exceptional reverses. Moreover, its
organization and list of Correspondents are now so extended throughout America and Europe ,
also Australia, India, and all parts of the civilized world , that the most complete and reliable
information is at its command as to the antecedents of Employés, which is really of the first
importance to Employers, in order that they may be assured of the trustworthiness of those
in whose hands they contemplate, or are already, trusting their affairs. Its system, also, of
periodical revision of those Employés on the Company's Books is ample, and is often of con
siderable value and protection to the Employer.
To the Employé it is a valuable certificate to receive and retain the endorsement of such
an Institution, as it at once establishes his title to his Employer's confidence.
THE

CANADA

GUARANTEE

COMPANY

Is the only Company to which the Government of Canada has granted a license to transact
Guarantee business in the Dominion.
The business of this Company is not merely for the payment of the defaults of unfaithful
Employés, but for the prevention of the appointment or retention of unreliable Employés in
positions of trust. The idea being not so much to compensate an Employer for what a man
defaults, as to endorse the Employé being a faithful and reliable man ; at the same time if he
should become a defaulter, the Company will make good to the Employer any amount which
may have been arranged for between the Employer and the Company.
It removes the necessity of Employers making troublesome and delicate inquiries, or else
admitting a person into their service of whom they know nothing. Should the applicant for
guarantee, after ample investigation has been made by this Company, be found disqualified
for its endorsement, the Employer is advised, and no charge whatever is made.
OVER $100,000 have been already paid by this Company for losses by unfaithful
employés without a single contest at law.
The available Assets of the Company (at 31st Dec., 1878) over and above
Capital , at call , were .
- $ 110.046
And the Gross Resources
$ 476,466
(See Report to Government to 30th December, 1878, just published .)
PROSPECTUS, FORMS, etc., may be had on application to the
HEAD OFFICE : -260 ST . JAMES STREET , MONTREAL .
President : SIR A. T. GALT.
Vice- President : John RANKIN, Esq .

EDWARD RAWLINGS,
63

Manager.

BROWN

Philadelphia . 4.

CO .

BROTHERS

( 66 State Street,
Boston.
{

59 WALL ST . , NEW YORK .
AND

ALEXANDER BROWN
ROWN & SONS,
Cor. Baltimore and Calvert Sts. , Baltimore.
BUY AND SELL BILLS OF EXCHANGE
On Great Britain , Ireland, France, Germany, Belgium and Holland .
ISSUE COMMERCIAL AND TRAVELERS ' CREDITS, IN STERLING ,
Available in any part of the world, and in Francs, for use in Martinique and Gaudaloupe.
MAKE

TELEGRAPHIC TRANSFERS OF
Between this and other Countries, through London and Paris.

MONEY

Make Collections of Drafts drawn abroad on all points in the United States and Canada,
and of Drafts drawn in the United States on Foreign Countries.
TO TRAVELERS . – Travelers' Credits issued either against cash deposited or satisfactory guaranty of
repayment : In Dollars, for use in the United States and adjacent countries ; or in Pounds Sterling, for use in
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BROWN , SHIPLEY & CO. ,
Founder's Court, Lothbury, London .

JAMES STOKES .

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STOKES

PHELPS ,

General Domestic

Wall

Foreign

Co. ,

Bankers

St. , New York .

ACT AS AGENTS FOR BANKS

DRAW

F. P. OLCOTT,
Member of N Y. Stock Exchange

BILLS

BANKERS .

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Issue Travelers' and Commercial Credits available in any part of the World.
Buy and Sell Stocks , Bonds, and Government Securities.

LONDON CORRESPONDENTS :

THE UNION BANK OF LONDON ,
Messrs. C. J. HAMBRO & SON .
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BANKS AND BANKERS — CONNECTICUT.

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BANKS AND BANKERS – CONNECTICUT .

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.
CONNECTIOUT-

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66
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66
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BANKS AND BANKERS - CONNECTICUT.

Welch
M.
H.

-continued
.CONNECTICUT

National
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-continued
.CONNECTICUT

.
COUNTY
AND
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Norwich

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.
.
Bank
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Bank
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Bank
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66

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66

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18,000

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CHICAGO
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CASHIER
.

BANKS AND BANKERS - CONNECTICUT.

.
PRESIDENT

.
BANK
OF
NAME

CONNECTICUT
C
.- ontinued

COUNTY
AND
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,
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PAID
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BANKS AND BANKERS - CONNECTICUT.

Litchfield
Thomaston
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.
Seth
..
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Thomaston
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.
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PAID
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BANKS AND BANKERS - DAKOTA.

Trust
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.
continued
CHICAGO-

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.
CORRESPONDENT
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Dixo
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.
BANK
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.
continued
ILLINOIS-

50,000

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ILLINOIScontinued
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.
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ittlewood
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.
PANK
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continued
.
ILLINOIS92

.
COUNTY
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66
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F.

60,000

CHICAGO
CORRESPONDENT
.
.Fifth
Bank
National
National
Bank
.Ninth
Fifth
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$8Fifth
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.,500
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. merican
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Bank
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o
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raders'N.Bk
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Bank
BNational
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.,SFourth
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.Bank
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48,000
BANKS AND BANKERS – ILLINOIS.

Homer
Hoopeston
.
Illiopolis
.
Ipava
.
Iuka
Jacksonville

PRESIDENT
.

.
BANK
OF
NAME

.FBank
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National
. ifth
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100,000
.of
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40,000
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.&TLBk
av
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. kxch
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.'BTraders
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ank
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FNational
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ank
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merican
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Bank
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Third
9,726

.
Bank
National
First
Bank
National
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33,000
Bank
Park
National

.'&Bank
National
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NT55,000
.Bk.
raders
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erchants
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.
Bank
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Bank
..F'&ifth
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.' ational
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.
Bank
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Union
Bank
Bauk
.'NMNational
erchants
F56,500
ourth
| ational

.
continued
ILLINOIS-

.
COUNTY
AND
TOWN

Lacon
.
Lafay
.
ette
La
Harpe
Lanark
66

.Marshall
Bank
National
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..Stark
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CHancock
o.
W,&
ard
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.
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of
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o
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...
Ctephenson
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o
SRising
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J.
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Lexington
of
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iJ.
&
...
Logan
.
Bank
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Lincoln

Lockport
Louisville
Lovington

McDonough
First
National
Bank
.
Bank
National
Union

Marion
.
Marissa
.
Maroa
.

Mason
City

Ford
H.
W.

$50,000

.John
Wolf
.
Franck
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C.
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(J.
).P.

.
Cook
M.
R.
John
Paley
.

62,500

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'n
tephen

NEW
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Caton
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George
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51,000

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o
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.
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Martin
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.
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Litchfield

Marseilles
Marshall

PRESIDENT
.

BANKS AND BANKERS – ILLINOIS.

.La
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.
LeRoy
.
Lewistown
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.
BANK
OF
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.
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66
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enc
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20,000

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Jenkins
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C,D
)&
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unn

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Bolio
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..
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.
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.
.
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17,500

Cunnea
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.Albert

75,000
100,000
50,000

50,000
75,000
100,000

Co.
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man
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.
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CHICAGO
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NEW
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W.
B.
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PAID
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BANKS

Warren
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BANKE
AND

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Mendota

PRESIDENT

100,000

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ILLINOIS
RS

First
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McLeansboro
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.
66

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.
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.
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k&
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erchants
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|'Mational
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COUNTY
AND
.TOWN

continued
.
ILLINOIS-

.
continued
ILLINOIS-

.
COUNTY
AND
TOWN

PRESIDENT
.

.
BANK
OF
NAME

Mount
Sterling
.Brown
Bank
National
First

.
Crane
F.
E.

CASHIER
.
.
Crane
D.
F.

PAID
U- P
CAPITAL
.
$50,000

..
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CORRESPONDENT
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Bank
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Edgar
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.Bank
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2,500
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50,000
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BANKS AND BANKERS - ILLINOIS.

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.
CORRESPONDENT
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ational
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66
66
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66
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eekman
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66
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Wm
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$100,000

McIlvaine
H.
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100,000

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Robt
..
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100,000
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Higbee
L.Daniel
Chauncey
Hicks
D.

Schell
T.
W.

66
Princeville

Adams

.
Bank
National
First
.Union
Bank
C.
&
.L.
Bull
H.
RJos
.Henry
F.icker

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Bank
National
.
Bank
National
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80,000
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National
Chase

National
Bank
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of
Morrow
E.
J.
..

Prairie
City
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.50,000
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National
Fourth
.
Bank
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Hanover
B.of
|Nat
15,000
ank
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Bk
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American
National
.Chase
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21,000
50,000
80,000
35,000

E.
Roger
s
.

.B„LGreenebaum
Nat
County
Livingston
ivingston
ank
75,000
M.
.J.
Greenebaum
G.
H.
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P.
0.
50,000

Frank
E.
Rogers
25,000

.
Reeve
Tracy
.
Virden
R.
E.
..
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.S.
Benj
.C.
Reed
Henry

.HWilson
Jas
.
.
Reeve
Glenn
W.
Ferris
W.
Roberts
C.
Harry
,Treas
Waller
W.
.F.

50,000

.
Mattson
J.
A.
.
Root
Henry

,Son
CGilmap
&
...
o
50,000
110,000
105,000
32,400

Frederick
U.
..
Meyer
W.
Penfield
S.
Kreitz
M.
John
Emery
W.
Joseph

100,000
100,000
400,000
300,000

CHICAGO
CORRESPONDENT
.
.Union
.Metroplitan
Bank
National
.$1American
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National
Fifth
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30,000
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of
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NEBank
'70,000
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’ ational

Smith
Friend
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hompson
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B.

R. .
Ogle
.Wagner
Bank
National
Exchange

Bank
of
Port
Byron
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Rock
.....
Byron
Port
HDevore
.Wm
.
.Prairie
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City
.McDonough
Bureau
NCitizens
' ational
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Bank
.' ational
Bank
National
First
Trust
..Illinois
Co
.Peoria
Auten
&
Auten
Bank
Prophets
of
.Whiteside
town

SURPLUS
N
EW
CORRESPONDENT
.YORK

Oberhauser
William
...
Smith
B.
John
100,000

Barber
T&rumbauer
66

Quincy

PAID
-UP
CAPITAL
.

BANKS

BQ&,( lossom
ingman
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B
' ank
Co.
)
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.John
.
Bank
National
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.UVal
lrich
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...
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.
N.
H.
er
NMechanics
' ational
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Herro
A. n
.Wm
.
Bank
Peoria
of
Savings
Chas
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King
Bank
National
Second
,Hotchkiss
CZell
&
..
o
Bank
National
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Brewster
D.
Theron
G..Brahm
&reene
Frackelton's
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Frackelton
S.
D.

.
CASHIER

Bank
National
.Union
National
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TMerch.Sav
& rust
Loan
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:tNational
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.
Bank

AND
BANKERS

Peoria

PRESIDENT

Exchange
.American
B
Nat
.L,SLouis
touis
k
.Commercial
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Bank
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AGerman
merican
.-8,000
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Bank
National
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.20,000
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Bank
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.
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'&
..NBImporters
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of
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raders'N
k
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10,400
....
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ean
'National
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.NBank
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Park
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40,000
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erchants
.
Bank
National
First
Bank
National
Metropolitan
20,000

ILLINOIS

Peoria

.
BANK
OF
NAME

Bank
National
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.
National
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of
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8,000
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NBank
ational
'800
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.25,000
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.First
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,
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.P&
Bank
Park
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ean
.
Bank
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.
COUNTY
AND
TOWN

ILLINOIScontinued
.

National
Bank
First
17,000

Bank
Park
National

;Axch
..
N.B
.NEFirst
.B.
m

Bank
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40,000
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Louis
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Valley
.10,000
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Marine
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.;Gilman
'NMer.Ex.N.B
Merchants
Bank
o
.
Bank
National
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.Lrust
TMerch.Sav
&
Co.
oan

.
continued
ILLINOIS-

COUNTY
AND
.TOWN

Whitham
&
Rankin
.Vermilion
.
Bank
Exchange
.Champaign
..&
o
C
SOhlwine
, chreiber
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Bank
Exchange
Washington
Ford
.|Roberts
Bank
Exchange
.
Bank
Robinson
Crawford
Bank
National
First
-Ogle
Bank
National
Rochelle
Bank
Whiteside
.Exchange

.
Rockford

.
Island
Rock

66
Roodhouse
.Roseville
Rossville
..
Rushville
Rutland
.

Marion
Salem
Sandwich
66
San
Jose
Savanna
Saybrook
Seneca
...
.
Shannon
Shawneetown
66

Bank
People's
Winnebago
.
Bank
National
Rockford
.
Bank
National
Second
..
Bank
National
Third
.
Bank
National
Winnebago
Thompson
C.
N.
....
Bank
National
First
Island
Rock
.
Bank
National
People's
.
Rank
National
Island
Rock
Mitchell
Lynde
&
..
Roodhou
Bank
Greene se
Bank
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Roseville
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RBank
| ossvillen
Vermilio
,
Bank
National
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r
..
H.
Brevoort
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..Mason
Thomas
Isaiah
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&
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A.
o.
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CCarroll
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National
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Gallatin
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Pool
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ARankin
.Wm
.
Chamberlin
(T..
).W.
).(SP..
Cooper
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).B.
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,
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Peter
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.
(Geo
).W
Nance
.

Nathan
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..
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Thos
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n
..
Mitchell
L.
P.
Bailey
Davenport
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J.
T.
Cornelius
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..
Husted
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E.
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Worden
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.
C(Wo.
)Watson
Wm
.H.
Ray

Bennett
J.
.Josiah
Miles
Castle
B.

.
Wood
J.

.
CASHIER

PAID
UP
CAPITAL

CORRESPONDENT
NEW
SURPLUS
.YORK

Whitham
H.
Eugene
2$5,000

Jones
E.
J.

20,000
Woodworth
P.
A.
.J.
Miller
T.
I.N.
Perry

50,000
50,000

Bank
Park
National
25,000
.
Bank
National
Third

.HTrufapt
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.
Marcus
Parmele
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..
A.
G.
Sanford
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.Wm
Wallis
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Wm
Robertson
.
Ross
R.
H.
Buford
M.
.J.
Peetz
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Robineon
F.
J.
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.Phil
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.T.
L.
Pratt
F.
.S.
.
Warren
Augustus

F. hall
Ma
Benj
..
.
.SMosher
Fred
Culver
H.
J.

Bk
ExchangeNat
.American

125,000
100,000
200,000
70.000
100,000
100,000
100,000
100,000
100,000
SGilman
Co.
on
,&

75,000
10,000

20,000

.
Bank
Park
National

Phile
D.
William

MBank
Bank
Park
.'NNational
ational
erchants
.National
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Park
,C,000
ommercial
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KKnuth
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achod
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f
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anier
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ank
incinnati
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.
Bank
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.National
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25,000
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ean
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, o.
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National
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,K&o.
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ean
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.'&
National
20,000
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NTImporters
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raders
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National
National
.Central
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52,000
SNat.Bk.
.&T.Fifth
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er
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14,000
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H30,000
'Nanover
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ational
|Bank
FNational
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'&
raders’N.Bk
...
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.
Bank
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50,000
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ank
N.North
Nat
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T20,000
&
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C50,000
&
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G.
.;
|No.Park
.
National
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...
America
North
of
Bank
.Union
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.
Bank
National
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.
Bank
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.
Bank
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Bank
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TFirst
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50,000
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Bks
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er
..irst
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.National
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Bank
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Bank
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National
hird
|TBank
10,000

50,000
100,000
50,000

Bemis
W.
L.
Schureman
H.
.W.

SThos
..
Ridgway

CORRESPONDENT
.CHICAGO

BANKS AND BANKERS - ILLINOIS .

Rankin
Rantoul
..
Bud
Red
Richview
Rober
te
.
Robinson
Rochelle
66
.
Falls
Rock

PRESIDENT
.

.
BANK
OF
NAME

50,000
...
Bank
National
Fourth

Bank
National
Third
A.
.J.
Middlesworth
.
Powers
W.
(JShelbyville
W
)D&
Haydon
L.
Jacoby
W.
. .J.
Bank
Deposit
..
.J.
Pfeiffer
August
).(H..erman
Snow
W.
Fleager
(W.
)B.
Clark
John
orders
B).&( oyle

Bank
..
H.
N.
National
Ridgely
&FireIns.Co
Marine
Springfield
Ruth
F.
R.

66
66

.
National
Bank
State

Charles
St.
Sterling

J.o.
Kane
Baird
C&C.
Whiteside
Bank
National
First

Miller
S.
John

Galt
Bros.
Streator

Sullivan
.
Sumner
.
Sycamore
66
.Tallula
Taylorville

Tiskilwa
.
Tolono
.
Tonica
..
Toulon
..
Treniont
.
Tuscola
.
Urbana

De
kalb

Salle
La
..
Bank
National
Union
KWilson
&
uhns
Moultrie
erchants
FM'B&. armers
ank
.Lawrenre
Bank
County
Lawrence
Bank
National
Sycamore
Co
&
..Divine
Pierce
D&ean
Menard
Greene
&
.Willson
Christian
Co.
&
Anderson
W.
G.
.A.
Barnes
Co.
&
Vandeveer
M.
H.
Tiskilwa
of
Bank
Bureau
..Bank
Tolono
of
Champaign
.La
Bank
Tonica
Salle
Stark
Burge
D
.& ewey
Tazewell
D&avis
Hobart
Bank
.
National
First
..Douglas
C.Cbampaign
&urtiss
Burpee
S..
MT.
&
Busey
.W.

SURPLUS
N
EW
CORRESPONDENT
.YORK

..
Plumb
Samuel

.Elder
)(William
Jacob
May
.
Waterman
S.
J.

Third
Bank
National
National
Third
Bank

.First
Bank
National
5$Hanover
.Bank
Bank
National
F,321
irst
. o.
Bank
National
Upion
C&
Opdyke
George
'Bank
Traders
Commerce
of
Bank
.National
National
.Union
Bank
.
Bank
National
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.
Bank
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C,Louis
&
o
ot.
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forgan
...
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.&Am
xc
Cinth
&
.First
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ommercial
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100,000
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FBk
.'&
Nat.Bks
raders
erchants
.
National
Fifth
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.Metropolitan
Bank
Bank
.National
Park
National
50,000
.Union
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Bank
National
Chase

LBank
.&eather
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Company
Manbattan
.Hide
.First
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Park
National
ational
|Bank
50,000
T,LMChase
.&
erch.Sav
rustCo
oan
Bank
National
,Merchants
Bank
National
.'National
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18,000
'Bank
.Traders
,LFirst
CWinslow
&
. o.
Bank
National
anier
Bt.Louis
Bk
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Exchange
,SAmerican
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.of
ank
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.'N.Bk.
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ational
E6,000
xchange
.
Bank
National
First
America
North
of
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.'NMNinth
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erchants
. ational
National

7$5,000

Wright
H.
Frank
250,000
.
Weber
K.
Howard
Tracy
W.
William
Ridgely
100,000
Ferguson
H.ec'y
.,SB.
100,000
Whittemore
FSamuel
K.
. loyd
Jones
H.
200,000

ASanborn
.Wm
.
..
Scates
Eugene
Richards
.Geo
L.
.John
Munsie
K.
...
Atwood
E.
F.
.
Alden
M.
P.
Divine
H.
James
Alden
H.
E.

100,000
50,000

50,000
50,000

Provine
E.
J.

elsh
W).&
(S.tevens
).(RA..
Bower
)(J.
Underhill
S.

Co.
&
Richard
B.
C.

.
Bower
T.
W.

Son
&
Cisco
J.
.John

Caraway
T.
.H.

Lamb
H.
W.

CHICAGO
.CORRESPONDENT

BANKS

Somonauk
Sparta
Springfield

-UPAID
P
CAPITAL
.

AND
BANKERS

Son
&
Thornton
F.
.W.
..Iroquois
Sheldon
of
Bank
Bank
Sheldon
Dekalb
.
Bank
Somonauk
Pandolp
Sparta
Bank h
of
..
Bank
National
Sangamon
First

Sheldon
.

.
CASHIER

ILLINOIS
-

B&
| oyden
Bureaa
D
ewey
National
Bank
First
Shelby

.Sheffield
Shelbyville

.
PRESIDENT

BNatioual
..FAmerican
Bank
irst
k
Nat
Exchange
'National
National
Fifth
..
Bank
.Merchants
MTBank
.'NBk
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.erchants
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.Nat
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UAmerican
. nion
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.UBank
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nion
.Chase
.
Bank
National
Union
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'National
.Merchants
Bank
.
Bank
National
Union
NNational
.Merchants
Bank
ational
'23,000
Bank
Metropolitan
.

.
BANK
OF
NAME

.TOWN
COUNTY
AND

ILLINOIScontinued
.

113,000
..
Bank
National
Chemical
.Chase
Bank
National

Bank
'National
.Merchants
Union
.National
Bank

.
continued
ILLINOIS-

.
COUNTY
AND
TOWN

.
PRESIDENT

.
BANK
OF
NAME

Vandalia
.

M-Fayette
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Higgins
T.
k
'&.erchants’N
National
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...
of
Perkins
Simeon

Vermont
.
Virden
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Virginia

CFulton
&
Mershon
..J.
o
Virden
...
Macoupin
of
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C.
Walworth
M.
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National
Angier
ACentennial
G.
.
George
Virgin
'National
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Bank

CASHIER
.
Palmer
D.
Brown
W.
George
.
Russell
J.
A.
Heaton
D.
F.
.
Black
B.
James
.
Robertson
T.
J.

PAID
-UP
CAPITAL

CORRESPONDENT
NEW
SURPLUS
.YORK

Park
.
Bank
National
26,000
100,000
50,000
,So.
CGilman
&
on
.500
Bank
National
First
50,000

Walnut
..
.Warren
Warsaw
.Washburn
Washing
ton
.

Bank
Bureau
Walnut
R.Jo
&
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Daviess
ichardson
.Hancock
National
First
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Woodford
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Washburn
|Aenhart
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nthony
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&
Danforth
G.
A.
|Ho.
&
Wood
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.
CKnox
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National
IFirst
- roquois

Wataga
Watseka
Waukegan
.
Waverly
66

Wenona
.
Wheaton
.
White
Hall
66
Wilmington
.
Winchester
.
Woodhull
Woodstock
.
Wyanet
Wyoming

Yat
Cityes
.Yorkville

S.res
PFerris
.,B.
,Vice
Knight
.-PM.
res
William
Hill
Ireland
(Frank
).N.

James
B.
Dodge

24,000
50.000

Clifford
M.
Anthony
National
Third
.
Bank
Samuel
Williams
.
Steele
R.
Charles
.
Curtiss
E.
T.

Lake
Bank
National
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Morgan
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of
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Manson
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.
Brothers
Wemple
Marshall
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&Wheaton
Gary
Page
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Peterson
}H.
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50,000
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Charles
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Manson
0.
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..

50,000

C).&
,H(o.
odge
owe

White
Banking
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National
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, rost
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FScott
ubbard
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McHenry
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of
..
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WScott
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ank
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KKendall
| endall
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.Davis
Asbury
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E.
.L.
Cobb
...
U.
D.
Bank
National
Commercial
Will
Stewart
W.
John

Edward
Murphy
A.
.
Isaac
Phillips
.
William
Holgate

Castle
B.
M.

Wm
L. .
Gary
North
Edward
Powell
Isaac
.H.
..Wm
Odell
Whitten
James
..

50,000

.
Bank
Park
National

50,000
100,000

.
Bank
National
10,000
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.Park Fourth

E.
K.
Dyso
.. n
John hy
Murp
J.
50,000
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A
Reev
0.
T.
Dyer
..
.. mon
Ham
A.
Harr
y d
M.
J.
Taylor
..
.
Cornell
E.
M.

.
Bank
National
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40,000
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National
Third
Son
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Cisco
J.
.John
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.
Bank
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.Commercia
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)NThird
ational
$1$ 5,000
00,000
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.&
Bank
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,Limpson
SDonnell
awson
.
Bank
National
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.Fifth
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National
Bank
.Fifth
Commerce
National
|National
14,000
of
150,000
.'N&Traders
Bank
National
Union
.Bk.
Importers
BANKS AND BANKERS - ILLINOIS.

,Skiles
CPetefish
&
...
o

CORRESPONDENT
.CHICAGO

.First
Bank
National
.F.Chase
Bank
National
irst
'National
Merchants
National
Metropolitan
.50,000
Bank
CPreston
&
ean
,Ko.
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ange
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.National
Bk
UN.
. nion
Bank
.
Bank
National
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Bank
.Bank
National
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19,000
.'NMational
erchants
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&
raders
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.'Bk
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Importers
raders
National
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.
American
Exchange
Nat.Bk
Western
North
Nat
.B
ank
National
NMBank
.'Ninth
ational
erchants
National
.'NMChage
Bank
ational
erchants
Merch
Commerce
of
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&T.SNational
Co.
rust
av.Loan
.
Bank
National
Fifth
Co.
Trust
Union
National
.10,000
Bank
First
Commerce
of
Bank
National
at
.BNFirst
erch
Manks
&
.'Nat
Bank
NMExchange
erchants
k
Bational
American

C, o.
&
ean
KPreston
.First
Bank
National
.Bank
National
First
.'Bank
Bank
NMNational
erchants
. ational
Continental
.
Bank
National
First
.' ational
Bank
NMerchants
3
1
.Bank
NMerchants
’ ational

INDIANA
.

100

.BANK
OF
NAME

.
COUNTY
AND
TOWN

Albion
.
.
Alexandria
Anderson

PRESIDENT
.

.
CASHIER

W.
Frank
Clapp

Wm
.M...
Clapp

Noble
Albion
of
Bank

Alexa
Banki
..Co
ndria
ng
Madis
on
'BMadison
Citizens
ank
Bank e
Exchang

U-PAID
P
CAPITAL
.

.
Baker
B.

C.
N.
ugh
.McCullo
William
...
Crim
C(W...
.)&
'm
rim
o
.JPence
Bk
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County
Madison
Corwin
E.
ohn
John
$50,000
.W.

Aurora

Thomas
.
Gaff

Bedford
Bluomfield
Bloomington
Blufiton

Bank
Bedford
Lawrence
Bloomfield
,Greene
Bank
Bar
National
First
Monroe
Bank
Wells
Exchange

100,000
Winstandley
C.
W.
Malott
H.
-T.
W.
0.
75,000
M.
Shryer
H.
Shryer
Waldron
John
Woodburn
E.
Walter
(JohnStudabaker
.)&C
o

.Attica
Auburn

Boonville
Bourbon
Brazil
Brookville

Camden
Carthage
Centreville
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.Warrick
Bank
National
Boonville
CMarshall
..&
o
,Matchett
Lawrence
Bank
Brazil
Clay

.
Nebeker
George
.Jacob
Walborn

Miller
J.
L.

Teter
.&
Brighton
Franklin
Bank
Brookville
Cambridge
Bank
National
First
ayne
.W
City
Carioll
Camden
Bank
Rueh
Bank
Carthage
.of
.
Bank
National
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.Wayne
Farmers
'BClinton
Colfax
of
ank
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City
Bank
City
Whitley
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.Farmers
.Bartholomew
Bank
National
First
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..
Irwin
.I.
Jos
. ayette
ank
'BConnersville
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CJ.
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200,000

National
Third
6,000
.
Bank

Philip
Ray
.
Charles
Henley
William
Powers
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&C(F.o.
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&
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.
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George

Lucas
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William
Huston
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J.
.
Mouut
Charles
Gish
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M
,. cComas
K
George

.,CB
incinnati
k
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irst
Bank
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100,000
..
Bank
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100,000
100,000

100,000
50,000
100,000

C.,Third
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k

o.
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,LField
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ndianap'8
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merican
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k
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o.
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anier
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incinnati
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raders

Goodwin
F.
Charles

Linvil
Fergu
son
....
Jacksle
John
on
Rice
C.
E.
.
Hill
B.
Samuel
Forkner
.James
Jones
K.
John
....
.
Powers
W.
F.

.N.B.
IInnianapolis
, nd'polis
k
Bndianapolis
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'NThird
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incin
at
k
Bank
National
I.,Bank
ndianapolis
HContinental
arrison'sBk
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B
k
FNational
irst
Bank
Third
.,CNat
B
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k
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irst
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50,000
N.C.Worthington
.,Tel

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C, o.
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ean
KPreston

TSecond
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oledo
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ank
Bank
National
,F
.W
t
ayne
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amilton
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ndianap's
eridian
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ayne
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t
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Hamilton
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' xchange
EMerchants
.,First
k
incinnati
CB
Bank
Nat
National
Third
40,000

88,000
56,000
50,000

50,000

.
Bethell
W.
E.

.Third
Bank
National
.
Bank
National
Chase
.
Bank
National
Ninth
America
North
of
Bank
Bank
..$2,000
National
Chase

.
CORRESPONDENT
CHICAGO

BANKS AND BANKERS - INDIANA .

Alfred
Osborn
..
John
Kinney
J.
.
Samuel
Finney
.
W.
McIntyre
.
Robbins
John
Davis
H.
Elam

Bank
Angola
Steuben
..
C&o
Kinney
.Fountain
Bank
National
First
.De
Bank
National
First
Kalb
Davis
L.
John
.Dearborn
Bank
National
First

.
Angola

YORK
CORRESPONDENT
.NEW
SURPLUS

C.,Nat
.6,000
Bank
k
ourth
BFincinnati
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Chase
incinnati
C.,Nat
k
irst
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B
National
Third
20,000
I..,First
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Nat
k
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ohila
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f
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ean
o.
, anier
CWinslow
L&
,KPreston
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C.Bank
k
BFirst
,Nat
National
Third
20,000
kanier
.B.,LWinslow
Nat
IFirst
o.
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CL.,.....
incinnati
CWinslow
.B&
Nat
First
anier
ko
..
Bank
incinnati
Bhird
Nat
k
National
T30,000
|C.,First
.Mndianap
Bank
National
.,IContinental
Bk
':N.
eridian
I.N.
,MNational
Bk
eridian
. ndianap's
Bank
Broadway

.
continued
INDIANA-

.
BANK
OF
NAME

.
COUNTY
AND
TOWN
Crawfordsville
Montgomery Bank
Elston

First
Bank
National
Bank
National
First

Lake

.
Point
Crown

Hendricks

Danville

Adams
Carroll

Decatur
Delphi
.
Edinburgh

Johnson

Elkhart

Elkhart
66

Monroe

Ellettsville

First
Bank
National
C, ooman
..&
H
Hadley
Bank
County
Adams
'Bank
.Citizens
A.
&
H.
A.
Bowen
T.
CA.o.
&
Thompson
C.
John
Thompson
A.
..
Bank
Elkhart
Bank
National
First
.
Bank
Valley
Joseph
St.
Worley
E.
F.

Bank
NCitizens
' ational
.Vanderburgh
.National
Bank
Evansville
Bank
National
First
Bank
National
German
'National
Merchants
Bank
..
Bank
Savings
People's

.
Evansville

S(Elston
)&
on
.
Durham
H.
W.
David
Turner

CASHIER
.

U-PAID
P
CAPITAL
.

SURPLUS
YORK
CORRESPONDENT
.NEW

B.
Wasso
n
Murph
C.
W.
ey

John
Hadley
V.

.Benj
Thomas
.F.

.
Allison
B.
Robert
Habbard
W.
E.

Niblick
H.
William
Hubbard
W.

Kerstetter
R.
.Ed
.Jrohn
Cook
-PSilas
Vice
Baldwin
Tucker
M.
A.

82,500
50,000
50.000
50,000

Fort
.Wayne

Allen

66
Fowler
Frankfort

Benton
Clinton

Franklin

Johnson

Garrett
.
Goodland

DeKalb
Newton

.
Fowler
of
Bank
'Bank
.Farmers
Bank
National
First
Bank
National
Second
John
Davis
L.
Bank
Goodland
Bank
People's

.16,500
Bank
TNational
| hird
C&
,Lo.
Winslow
anier
.
Bank
National
Third
17,000
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National
Chase
.
National
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.
Bank

Bincinnati
Nat
..,CFirst
k
(0. .nd's
&
Fletcher
A.
,IS.
Bincinnati
Nat
.,CFirst
k

S.
Gillett
P.
Reis
Henry
Cutler
H.
James
Decker
C.
Phillip
Meadows
L.
H.

.
Bank
National
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20,000
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o
&C,anier
200,000
250,000
{C. entral
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.50,000
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ank
.Nat
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Leather

200,000
800,000
500,000
250,000
250,000

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.J.
Nuttman
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.
B.
Bond
Stephen
..
McCulloch
Charles

aldwin
( pencer
SB).&
Samuel
Ayers
..
.
Carter
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William
W.
H.
Lagrange

Hartman
.R.
Lem
Bond
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.Jared
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,JJohn
r.

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H.
Dague
.
Dougl
J. ass
David r
Barne
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reet

Spoor
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.S.
Hardy
George

300,000
350,000
200,000

100,000
200,000
100,000

125,000

.75,000
Bank
National
Tbird
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CWinslow
&
anier
.Third
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National
Bank
National
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35,000
.
Bank
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Hanover
National
Third
Bank
.8000
Bank
National
Hanover
.40
Bank
National
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000
.
Bank
National
Ninth
30,000

IMeridian
, ndianapolis
.N.B.
Snd's
&
harpe
I.,Fletcher

&o.
,K
CPreston
ean
.
Bank
National
First
C,Ko.
&
ean
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.,INat
.Bnd's
k
Indianapolis

C, o.
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ean
KPreston
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Bank
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hird
Tin
&
,CFirst
Bke
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.National
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Fifth

'National
.Merchants
Bank
.Fifth
Bank
National
Bank
.
International
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Bank
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.
'Nincin
.,CMerchants
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.First
’Exchange
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N.
Hamilton
N.Bk.
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tayne
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erchants
. ational
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..
Bank
National
First
.
Union

101

Bank
National
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.Fort
National
Bank
Wayne
.
Bank
National
Hamilton
Isaac
Lauferty

-p. in
,HE
,C&
o.
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y
I.,First
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Nat
k
'National
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Miller
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M.
Samuel
Bayard
.
Viele
Charles
Samuel
Orr
Bement
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C.

Archer
Co.
&

L&
, anier
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National
$1Ninth
00,000
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o
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25,000
.
Bank
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12,500

Theodore
25,000
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100,000
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H.
W.
25,000

CHICAGO
CORRESPONDENT
.

BANKS AND BANKERS- INDIANA

PRESIDENT
.

-continued
.INDIANA

102

.
COUNTY
AND
TOWN

Goshen

Elkhart

.
Jackson
C.
A.
H(T.eefner
).&
homas
.
Irwin
W.
John
).(A.
Wilden
F.

.City
Bank
National
ank
Citizens
&
.'BFarmers
Salem
..
Bank
.
Bank
Wilden's

6
Owen
Putnam
Hancock
Decatur

Greensburg

Henry
&
.Montgomery
First
Bank
National
'Bank
Citizens
..
Greenfield
Banking
Co.
'National
Citizens
Bank
Bank
National
First

.| ommercial
Bank
C.Wayne
Hagerstown
Blackford
Citizens
'Bank
....
Citizens
.'Bank
Huntington
.....
Huntington
Bank
National
First

Hartford
City
.
66
Indianapolis

Marion
B
* ank
Commerce
.of
..
*Central
Bank

66
66
66

Boyd
H.
P.
.
Nelson
Bradley
.
Lovett
David
Forsyth
R.
A.
...

Smith
B.
I.

Dick
F.

Kennedy
F.
R.

*First
Bank
National
ICo.
*ndiana
Banking

erchants
NMBank
'*ational
V.
...
Malott
T.
David
Bank
*Meridian
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..
Macy

Hammond
.Thos
C.

Srokers
&
)(BClaypool
toddard
C*S.AFletcher
&
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*letcher
harpe
J.
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.
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Isaiah
.* itzinger's
RBank
WW
,*..
oebb
Coollen
&

PAID
U- P
CAPITAL
.

Nash
W.
Ira
Hascall
S.
Milo
: lue
L
B..John

James
Henry
R.
Jerome
Allen
Simmons
B.
J.
.
Chandler
Morgan
Samuel
Christy
R.
E.
.Forsyth
Brooks
W.
J.
J.
G. e
Sayr
....
John
Morga
n
.
Purvia
Josep
W.
M
.Wm
cGrew
hnce

30,000

(Mindicated
by
a*) embers

Bank
.Third
National
$350,000
Benham
&
.Thomas
.
Bank
National
Hanover

CHICAGO
CORRESPONDENT
.
.
Bank
National
First
.
Bank
National
Commercial
CKPreston
&
ean
, o.
.
Bank
National
Union

100,000
120,000

.Third
Bank
National
Bank
National
Central
64,500
Bank
National
Ninth
353
29
CWinslow
&
..
o
,Lanier
Bank
.11,400
National
Tbird
Bank
.
National
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16,500

I.,Citizens
'Nndianapolis
.B.
CFirst
, incinnati
.B
Nat
k
'Nin
Merchants
.,CB
at
k
CFourth
., incinnati
Bk
N.
Fin
&
,CFirst
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ourth
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Nat
..,CThird
k

25,000
30,000
100,000

C&
,Lo.
Winslow
anier
..&C,Lanier
o
Winslow
3,000
Bank
National
Third
Bank
..
National
Third
20,000

C. ndºs
&
Fletcher
A.
,IS.
o.
Bincinnati
Nat
.,CFourth
k

125,000
50,000

186,584
John
Stewart
H.
W.
.John
Ray
50,000
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J.
ational
itizens
'N*C3sst
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00,000
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,.les
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G.
AYan
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H.
.3W.
McCutcheon
C.
John
300,000
Davis
W.
A.
F.
..
William
Coughlen
*I00,000
ndiana
3....
David
.National
Taylor
M.
.Bank
Bank
P.Henry
Haughey
.
INational
*..Theo
300,000
. ndianapolis
Latham
100,000
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J.
281,000
Woollen
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F.
1,000,000
200,000
100,000
30,000

anier
,Lo.
Winslow
C&
200,000
Third
National
Bank
.

..
Bank
Park
National
.
Bank
Nassau
...
America
North
of
Bank

Clear'g
F.M.
As'n
House
Churchman
,VJonathan
gr
Elliott
MIndian'lis
. .P

SURPLUS
N
EW
CORRESPONDENT
.YORK

BANKS AND BANKERS - INDIANA.

Gosport
..
Greencastle
Greenfield

CASHIER
.

PRESIDE
NT
.

.
BANK
OF
NAME

,L&
CWinslow
'No.
.Merchants
Bank
anier
ational
.Western
Bank
National
North
Bk
Hanover
.Merchants
Bank
.
ational
'N.B60,000
Nat
.;Ninth
Am
of
.First
Bank
National
. ational
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National
'NFifth
Mechanics
Bank
.'N&
Bank
National
Union
TImporters
raders
.Bk.
70,000
,CTNational
Bank
.National
in
hird
Third
100,000
Bank
..
Park
.
Bank
National
Commercial
National
20,000
Bank
.N.'Mational
erchants
National
Chase
30,000
.American
Nat.Bk.
'NBank
Merchants
ational
Exchange
'No.
.Merchants
ational
C&
,LBank
Winslow
anier
'National
.Merchants
Bank

in
.C,&
eidelbach
,Ho.
Espy
.
TCo.
&
L.
State
Prairie

INDIA
continue
dNA.
TOWN
AND
COUNTY
.
Jeffersonville Clark

OF
NAME
.BANK

.
PRESIDENT

Read
F.
John
..
McCampbell
H.
J.

Kendallville Noble
Kentland
Newton
Knightstown .Henry

National
Bank
.First
DDiscount
&eposit
Bank
..
First
National
Bank
.

.
Mitchell
John
G.
W.
McCray
.
Woods
Robert

Koko
mo
.

First
National
Bank
.
Howard
National
.Bank
,Do.
CRussell
&
olman

Howard

La
Fayett
e
..

.PVaile
Wm
.

50,000
100,000

.
Bank
National
First
Grange
La
Ellison
SA.on
&

Solomon
Rose

.
Herbert
M.
H.

50,000

.First
Bank
National
Savings
Porte
.La
Bank
J.&
, r.
Andrew
P.
SA.
on
,Woeaver
CHall
..&
National
.First
Bank
.
Bank
People's

Morrison
E.
Sutherland
John

Morrison
S.
R.
...
Jacob
11.
Vining

100,000

Porte
La
66

Lawrenceburgh
Dearborn
66

Lebanos

Boone

Liberty

Union

Ligonier
6

Bank
National
First
.
Lebanon
Bank
.
National
First
..Bank

'BNoble
.Citizens
ank
Mier
.Sol
.
Bank
State
Grange
.La

).(LKimmel
ouis
..
Peirce
L.
Martin
..
Perrin
J.
James
Heath
W.
John
.
Chase
W.
Hiram
Fowler
M.

Fitch
C.
DeWitt

Devol
J.
W.
C.
Daily
A.
Joseph
Corrington
...
Union
County
National
Bank
Morris
E.
.J.
Straus
W.
.F.
P.Williams
S.

300,000
C.Brockenbrough
John
100,000
Slocum
C.
L.
300,000
Warner
S.
.,TC.
reas
Brocken
B.
brough
150,000

.10,000
Bank
National
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100,000
40,000

75,000
50,000
60,000
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66
66
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BANKS AND BANKERS - INDIANA .

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INDIANAcontinued
104

COUNTY
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66
66
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amuel
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25,000

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2,400

BANKS AND BANKERS - INDIANA.

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66
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continued
INDIANA-

TOWN
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66
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PAID
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.
CORRESPONDENT
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CASHIER
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BANKS AND BANKERS - INDIANA .

Peters
burg
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Pierceton
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uth

PRESIDENT
.

.
COUNTY
AND
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.
BANK
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.
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66
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66
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66
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Wabash

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PAID
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.

100,000

50,000

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Wilson
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50,000
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..
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32,000
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William
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CHICAGO
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.
’E$5$105,000
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..
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Wallace
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CORRESPONDENT
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100,000
100,000
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50,000
67,000

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BANKS AND BANKERS — INDIANA .

Exchange
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106

INDIANA
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Bank
National
.Metropolitan
ational
..
Bank
National
Bark
erchants
Third
.'NMational
21,877
.'NMCentral
Bank
ational
erchants
National
Bank
.Bkz
N.
First
ourth
,C&
in
National
Third
20,000
C.Third
, 'in
Bank
National
National
,Cin
Bank
.Fourth

CNational
,First
incin
.Bank
.
Bank
National
Cnion
.
Bank
National
First
NMerchants
.' ational
Bank

.
continued
INDIANA-

.
COUNTY
AND
TOWN

.
BANK
OF
NAME

Washington
Waterloo
66

Daviess
..|WBreep
Bank
National
Jashington
ohn
.N.

..
Read
N.
Richard
Levings
W.
J.
Waterman
.Miles
Abbey
T.
G.
Bundy
E.
.A.
,
Moorman
F.
T.
Martin
A.
W.

est
(). cClellan
MB&
Randolp
MFarmers
ank hs
.'B&erchant
Reed
Nathan
.A.
Bank
County
Randolph
Stone
Bank
Exchange
Wildman's
Grange
La
(L). .
L.
Wildman
Bank
Exchange
Worthington
William
Wilkins
.Greene

Wolcottville
Worthington
Zionsville

.
CASHIER

|Zionsville
Boone
Bank

(John
Bradley
)M.

-UP
PAID
CAPITAL
.

COBREEPONDENT
.YORK
NEW
SURPLUS

CHICAGO
CORRESPONDENT
.
Bank
Bank
National
National
in
hird
.,C5,000
T..|$15First
0,000
o.
&
CLWinslow
anier
,.N.
irst
F'in
,Merch
Bk8
.,T.BNBank
ank
at
oledo
Merch
National
500
Metropolitan
25,000
oledo
.TNat.Bank
orthern
,NN.
Bk
xchange
'E3,000
Merchants
25,000
Bank
National
Commercial
.LWinslow
,C&
Bank
National
Fourth
in
o.
anier
80,000
5.500
,CF100,000
Bank
.National
irst
in
Bauk
Ninth
1,500

.Bank
National
Continental

BANKS &

Winamac
Winchester

,L..evings
Hyatt
C
&
o
'BDe
.Citizens
ank
Kalb
.
Bank
DeKalb
Pulaski
Winamac
of
..Bank

PRESIDENT
.

ank
ndianap
.BCLW20,000
Nat
.,IFirst
&
anier
inslow
| o.
50,000

Shaw
N.
C.

.H&atch
Fisk

I.A
.Bndianap
Nat
,First
ank
BANKERS – INDIANA .

107

.
COUNTY
AND
TOWN
Ackley
Adel
Afton
Albia

, arton
Lusch
CHardin
&
o.
Dallas
Dallas
Bank
County
B..Union
ank
Afton

Bank
.Monroe
National
First

Wayne

.&
..Story
RGreeley
ainbolt
..
DWm
Lucas
..
Jones
.H.
Metcalf
C.
choonover
CShaw
S&
, o.
Cass
Anita
of
Bank
-Butler
Exchange
Bank
.

Anamosa
66
Anita
.
Aplington
Cass
66

6
.
Audubon
Avoca
..
Bedford

Audubon
Pottawattamie

Taylor

66
.
Plaine
Belle
6
Bellevue

Benton
Jackeon

Wright
Belmond
Van
Buren
.
Bentonsport
Birmingham
...
66
Blairstown
Benton
Blanchard

.Birdsall
Benj
&S..Hardin
on
Bank
County
Kossuth
Kossuth
.
Bank
National
First

Truman
)(R.
...
Drake
H.
John
.J.
Edwards
.A.
Bank
County
Monroe
The
William
Ingham
H.
..
William
Bradley
..
Vista
MBuena
&
)..(J'BFarmers
Toy
F.
erchant
ank
ames s

CASHIER
.

UPAID
-P
CAPITAL

CORRESPONDENT
NEW
SURPLUS
.YORK

.
Lambert
L.

4$,000

.F.
Ben
Elbert
Miller
M.
D.

75,000
50.000

uhne
..&
KNKnautb
, acbod
o.
,000
&C$2George
Opdyke
Corbin
Banking
Co.
National
,
Bank
Chase
30,000
Co.
&
Opdyke
George

.Smith
II
Lewis
T.
Walden
P.

50,000
50,000
40.000

Corbin
Co
Banking
..
..
Bank
Hanover
National
10,000
NBank
.Merchants
' ational

Polk
Crawford
A.
R.

Ames

Atlantic
.

PRESIDENT
.

Page

.Bank
Atlantic
of
County
.Cass
Bank
MeDaniels
J.
.
Bank
County
Audubon
EDavis
&
W.
J.
.

Bedford
Bank
'B. ank
Citizens
.
Bank
National
First
Maholm
&
.Hutton
.
Bellevue
of
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Kelso
Joseph
.
Belmond
of
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PGreef
&ergrin
..
SPitkin
.&kinner
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County
Benton
&ipton
TShreeves
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Blanchard

Harvey
J.
.A.
Chamber
R.
E.
lain
.
Russell
W.
George
Schoonov
L.
er
20,000
M.
C.
Myers
Whaley
M.
..A.

M.
H.
Myers
.
H.
F.
Whitney
.
C.
J.
.Yetzer

Wilkins
Warwick
...
Gerberich
P.
John
C.
McDaniels

H.
F.
.Whitney

.Van
Che
Gorder

Sweet
S.

Fleet
Van
M.
Dunning
F.
..
.
Sweet
T.
L.

50,000
20,000
50.000

Allen
F.
A.

50,000

C&
,So.
Gilman
on
.
Bank
National
Chase

5,000
Bros.
Kountze
Kountze
Bros.
13,000

).W.
Seaward
(B.
.C)B.
(L..o.
&
Clark

Robert
Slee

John
Shreeves
.R.
Riseley
).T(W.illiam
Ma'ony
N.
D.
E.

C&
,Ko.
Preston
ean
National
Bank
.First
.
Bank
National
Commercial
.
Bank
National
Union
.
Bank
National
First
.
Bank
National
First
.
Bank
National
Union
.
Bank
National
Union
'National
.Merchants
Bank
.
Bank
National
First

.B.
Bank
National
Union
.
'N&raders
TImportero
.Firet
Bank
National
.First
Bank
.
Bank
National
National
Park
CUnion
&
Opdyke
. o.
Bank
National
George
.'NMThird
Bank
ational
erchants
Bank
National
.
Bank
National
Union
..
National
'National
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.Central
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TL.rust
&
Co.
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.S20,000
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Bank
av
Metropolitan
First
.Fourth
Bank
National

60,000
25,000

50,000
Fleet
Van
R.
John

Bank
National
Third

CHICAGO
CORRESPONDENT
.

BANKS AND BANKERS – IOWA.

Alden
Algona
.
Allerton
Alta
.
Altoona
.

:
BANK
OF
NAME

108

.
IOWA

Bank
National
Third

.First
Bank
National
.
Bank
National
Commercial
.First
Bank
National
.Bk
'N&
Traders
Importers
.
Bank
National
First
.
Bank
National
First
'National
.Merchants
Bank
B.Western
ank
.North
Nat
Bank
National
Continental
. oon
Bank
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C...
,SUnion
Gilman
&
.Bk
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Bank
F'N&irst
.
TImporters
raders
.
Commercial
Bank
National
Metropolitan
'National
.Merchants
Bank
Bank
National
Commercial
.
Fifth
Bank
National
Fourth
NMerchan's
.' ational
Bank

.
continued
IOWA-

.TOWN
COUNTY
AND

..Davis
Bank
Bradley's
.
Bank
County
Davis

Bloomfield
66

66
Boone
.

PRESIDE
NT
.

.
BANK
OF
NAME

William
Bradley
.
John
H.
Taylor
..
Trust
&
Loan
County
.Davis
Steckel
Amos
Co

Bank
Boone
Boone
Bank
City

Frank n
Champli
...
McFarland
A.
.John

Brighton
.

Brighton
.J.
Bank
National
Washing
Prizer ton
W.

.
CASHIER
W.
Law
J.
Lovett
E.
C.
Seckel
W.J.
Hiatt
J.
R.
M
., gr
.
Ericson
A.
J.
C.
J,I.
..
McFarland
Lloyd
.H.
Wm

W.
Lyons
...
..
Talbott
&
Sterling
.Brush
.Fayette
....
Bank
Creek
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Bank
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First
Moines

66
Creek
Brush
Burlington
..

66
66

National
State
Bank
.

Carroll
.
Casey

.
Point
Center
Centerville

Chariton
.

Charles
City
66

Winneshiek
John
Scott
.Calmar
.Carroll
Carroll
of
Bank
Bank
County
Carroll
Guthr
ie
Bank
of
Casey
.
Black
Hawk
Falls nal
First
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Bank
.Cedar
C..J.
&o
Knapp
T.
Cedar
. inn
National
LRapids
.City
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.
Bank
National
First
Vechten
Van
F.
G.
.
Bank
County
Linn

2$5,000

.
Bank
National
First
Kouptze
Bros.

50,000

.
Bank
Park
National
National
City
3Bank
$0,000
50,000

..
McCulloch
M.
Susie

.
Rawson
A.
Foster
P.
.Wm
.A.
Wm
Torrey.
Garrett
William
Garrett
C.
H.
John
Remey
.T.

100,000
60,000
60,000
100,000
150,000

Fields
M.
W.

S.
C.
Bever
John
Weare
.J.
Kuck
A.

R.
Coburn
E.
Thomas
W.
J.
Crawford
W.
J.
..
Fields
J.
C.

..James
Bever
L.
John
F.
...
Dean
Vechten
Van
D.
C.
.Kuck
W.
George

12,044

26,000
.Chem'l
Kountze
N.
;ank
North
Western
Bros.
B
.Nat
Metropolitan
42,000
National
Bank
&
FUnion
ifth
.BNat
anks

W.
L.
Selby
William
Bradley
.
.MEd
anning
Mallory
H.
.S.
P.Taylor
.J.
Case
G.
Almon
.
Hildreth
F.
B.
A.

R.
J.
Hays
.
.
Penick
C.
W.
Edward
Temple
A.
..
Farnham
F.
S.
Baldwin
C.
H.
,Treas
Roziene
A.
.F.
..
Wood
A.
B.

50,000
50,000

50,000
60,000
100,000
100,000
15,000
25,800

|National
.20,000
Bank
Park

.Oo.
CGeo
&
pdyke

50,000
50,000
000
50
50,000
25,000
25,000

Bank
National
.Union
.First
Bank
National
.Union
Bank
National
Chase
.
Bank
National
Union
.
Bank
National
First
Traders
&
.'NImporters
Bank
National
Fifth
.Bk.
Bank
National
Phenix
10,000
'N50,000
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Bauk
ational
.FChase
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irst
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F.National
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irst
,LPreston
Winslow
C
o
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o.
Kanier
ean
Banking
Corbin
...
Co
Bank
Nat
Western
.North
TBank
Importers
18,000
raders’N
National
knion
..UB'&

Corbin
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Co.
W.
Culbertson
L.
Minchen
T.
W.

CHICAGO
CORRESPONDENT
.

.3000
Bank
National
Third

Banking
Corbin
Co.

M.,BMilw
Nilwaukee
ank
at
Bank
National
Chemical
'National
.Merchants
C10,000
&
Opdyke
George
o.
.
Bank
National
First
.
Bank
National
Commercial
.National
Bank
National
Third
25,000
First
,Union
.Chase
Bank
National
National
Third
.30,000
Bank
'NMational
Bank
erchants
Illinois
of
Bank
.National
.First
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National
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P&
C,KRapids
reston
o.
ean
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.City
edar
,Union
Bank
National
.
Bank
National
Union
.Bank
Bank
National
Central
20,739
.Union
MFirst
ke
erchants
N'&
.BExch
at
ank
American
.10,000
National
Union
MBank
| etropolitan
.
Bank
National
First
Bank
..First
Bank
Nat
Western
.North
National
50,000
109

Appanoose
Bank
County
Appanoose
..
Co
Banking
Campbell
.
Bank
National
First
..Lucas
Bank
Chariton
.:
Bank
National
First
Bank
Floyd
City
Charles
.
Bank
National
First
Bank
Savings
County
Floyd
.&
Balch
Reiniger

Rice
Edward
.Cook
Lyman
.Sav
CMason
merican
ank
-Aharles
BGerman
.
Starker
.Charles
Bank
Savings
State
Iowa
W.
T.
Barhydt
.Bank
ational s
'NMerchant
...
Peasley
C.
J.

CORRESPONDENT
NEW
SURPLUS
.YORK

BANKS AND BANKERS - IOWA.

Poweshiek
Poweshiek
County
W.W.
Bank
Lyons

Brooklyn

U-PAID
P
CAPITAL
.

'Mational
erchants
Bank
National
|N.Bank
12,000
inth

.TOWN
COUNTY
AND

.
BANK
OF
NAME

l'RESIDENT
.

.
CASHIER

110

IOWA
c
.– ontinued

PAID
-UP
CAPITAL

SURPLUS
N
EW
CORRESPONDENT
.YORK

Goldsbury
C.
Cherokee

Cherokee

NMerchants
.' ational
Bank
Exchange
American
B.North
Nat
Western
ank
k
.First
Chase
National
Bank
erchants
.NM.' ational
Bank
National
Chase
Corbin
Banking
..National
Co
Union
.Bank
.Fifth
Bank
National
Chemical

,Bo.
CScribner
&
urroughs

66
Son
&
Steele
S.
.T.
.W.
Cottrell
G.
D.
Cedar
Moore
B.
N.
.Page

.Clarence
Clarinda

).A(G.eo
McKay
Wamsley
B.
.M.

.A.
Stone
L.
W.F.
Coan
..
W.J.
Young
C.itizens
&
av
.J.B'SFarmers
Gage
P.
k

Bank
Oriental

Louis
Slimmer
.

$25,000

Corbin
Banking
Co.
CRowland
&o.

Wickham
A.
.William
A.
Smith
G.
100,000
Weston
C.
J.
.
20,000
,Treas
Coan
F.
W.
...
Bidwell
Gage
.

Son
.&
Haywood
G.

of
Bank
Corning
Adams
66

Cresco
66
Creston
66
66
.Dakotah
Center
Dallas
Davenport
.

Humboldt
Dallas
Scott
66
66

Frank
.W
DGeo
&
arrow
.
Bank
County
Wayne
Wayne
.
Bank
National
First
POfficer
.&usey
.Howard
Bank
County
Howard
Farnsworth
&
Kimball
..
Creston
of
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Union
Co.
&
Harsh
B.
J.
Co.
&
Mallory
H.
S.
Sons
&
Brown
H.
.C.
.
Center
Dallas
of
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'National
.Citizens
Bank
Bank
National
Davenport
Bank
Savings
Davenport
.
Bank
National
First
.
Bank
Savings
German

Garner
W.
J.
Bank
National
County
Louisa
...
.
Junc
Columbus
).(N.
Nelson
..P.
Bank
Exchange
Conway
Taylor
Sigler
S.
D.

Colton
A
.W.
.
Cole
T.
Charles

Lloyd
Selby
.H.
Bracewell
athan
P.
.NDodge
Bank
Savings
Bluffs
Bluffs.Pottaw'tamie
Council
.
Street
W.
A.
Evans
F.
J.
Farnsworth
S.
M).&
cHugh
(Kerby

Bank
Park
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.7,900
K...
| ountze
3,000
Bros

50,000
5,000
50,000
{

Conway
Corning
66
Corydon

Bank
National
Park

52,000
30,000
50,000

Bank
National
Ninth
,Son
CGilman
&
..
o

Walker
J.
P.

.r
..),J(BLombard
..

..
Lombard
L.
James

,S&o.
CGilman
on
.
Bank
National
Central
1,000
Corbin
Banking
Co.

100,000
52,000

.
Bank
National
Third

International
.
Bank
Union
National
Bank
.
o.
CRumsey
&
Brothers
.Bk
Bank
National
Tirst
&
.F'NImporters
raders
.
Union
.Metropolitan
Bank
National
$25,000
60,000
Bank
CCom
anadian
J50,000
John
S10,000
&
isco
on
of
.Bank
.Fifth
Bank
National

BANKS AND BANKERS- 10W A.

L&
CWebster
inderman
, o.
Bank
County
|Wright
Wright
Bank
County
Butler
Butler
Frost
.ECerro
Geo
.
Gordo
...Fayette
.Larrabee
Wm
Bank
.
National
City
Clinton
Bank
National
Clinton
Bank
Savings
Clinton

..Clarion
Clarksville
.
Lake
Clear
Clermont
Clinton

CHICAGO
CORRESPONDENT
.

.
Bank
National
Union
.First
Bank
National
Firet
Bank
.Chemical
Bank
National
'National
.Merchants
Bank
.
Bank
National
First
..FB12,000
Bank
National
Pirst
Nat
.;
Bros
Kountze
kk
B;
N.
Ninth
.20,000
Bank
National
Fifth
Bros.
Kountze
.Bank
ational
'NBank
Merchants
National
Metropolitan
Commerce
of
Bk
.Canadian
'National
.Merchants
Bank
.Bk
Bank
FTImporters
National
.
'N&ifth
raders
'National
.Merchants
Bank
.Bank
National
UTImporters
'N&raders
Bk
.nion

.
Bank
National
First
0.
Mosher
H.
F.
Griggs
Ballord
.
E.S.
Putnam
E.
.Charles
Dow
T.
Lischer
H.

C,Kraders’N
o.
ean
T.PBImporters
reston
k
'&&
.'NBk
Bank
MImporters
ational
erchants
.
T60,000
&
raders
BKountze
.NBros.
M.;
&
Filth
erch
at
Panks
Nat
40,000
k

.
Pearson
T.
A.
Carl
S.
E.
.G.
Maxwell
E.
Charles
N.
Voss
..
Fidlar
B.
John
Andresen
H.

100,000
200,000
72,000
100,000
120,000

000
20
Bank
.50,000
FNational
Fourth
National
irst
|Bank
30,000

IOWA.continued
.
COUNTY
AND
TOWN

Davis
.City
Decor
.
ah

.' ank
BCitizens
Decatur
Bank
Decorah
Winneshiek
National
First
.Bank
Decorah
of
Bank
.Savings
Winnesbiek
County
Bank
Crawford
County
Crawford
.Bank
McHenry's
A.
Bank
.W.

66
66

60
Denison

66
65

65
66

66
Dunlap
Dysar
t
.
Earlham
Earlville
Eddyville
Eldora
.

Emerson

Essex
Estherville
Exira

John
Clark
.
)(Henry
Paine
James
Easton
H.
James
Easton
H.
J.
C.
Strong
...
Heffelfinger
(R) .

A.
W.
Naylor
.
Samuel
Merrill
P.
M.
Casady
Love
K.
Henry

CASHI
ER
.
Baker
L.
H.
Burdick
.W.
Theo
Burdick
.W.
Theo
Williams
M.
.J.

W.
A.
McHenry
Wm
C. hristy
Rounds
G.
J.
Simon
Casady
Maish
.
H.
George
J.J.
Town
.

Clinton
..J.
Price
H.
Dallas
Bank
Dexter
of
City
Dow
Bank
Crawford

.
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BANKS AND BANKERS- IOWA.

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.OF
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112

.
continued
IOWA-

First
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.
continued
IOWA-

AND
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Ida
6

Independence
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Indianol
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Iowa
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113

.
CASHIER

BANKS AND BANKERS - IOWA.

Hastings
Holland
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.
oldt
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Ida

PRESIDENT
.

.
BANK
OF
NAME

.
continued
IOWA-

114

.
COUNTY
AND
TOWN

Lenox
Leon
.
Lewis
.

.
BANK
OF
NAME

PRESIDENT
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.
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66
66
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National
Metropolitan

BANKS AND BANKERS - IOWA

CC.
&o.
Richard
B.

..Petersen
Bros
Cedar

Lowden
.
Luzerne
.
Lynnville
Lyons

CORRESPONDENT
.CHICAGO

International
.
Bank
,Ko.
CPreston
&
ean
'National
.Merchants
Bank
Uks
&
W.
BNorth
.Nat
nion
.of
Bk
.Canadian
Commerce
C,Council
.B..B.
Sav
Bluffs
.First
Bank
National
.
Bank
National
First
.
Bank
National
Union
.Bank
National
Bank
Union
National
Metropolitan
15,000
.
Bank
National
First
.Chase
Bank
National
KP&
C, o.
ean
reston
.
Bank
National
Commercial
National
.Union
Bank
Nat.Bk.
Exchange
American
.
Bank
National
First
Bank
.UNat
National
BAmérican
knion
Exchange
10,000
'Nnk
.B:iMerchunis
ational
.
Bank
National
First
'National
.Merchants
Bank

.Bank
National
.Commercial
Bank
National
First
14,500
.
Bank
National
Commercial
Merchants
.'Nof
Bank
ational
A.
B.
N.
York
New
.State
Bank
National
First
25,000
Y
N.
of
B. ank
Nat
T.,LS.MBImpoi
&
Co.
av
oan
er
' rust
ters
kraders’N

10WAcontinued
.
.
COUNTY
AND
TOWN

.
BANK
OF
NAME

.
PRESIDENT

CASHIER
.

PAID
U- P
CAPITAL

Denison
T.
0.

5$0,000
20,000

Mason
CBank
City
Count
Cerro
.Gordo
erroy

Bank
City

Miles
..

Monticello
.

Jones

Montour

Mount
Ayr

46
66

6
66

Missouri
Valley
Harrisonks
Marcellu
.Holbroo
Mitchellv
Polk
..
.
Bank
ille
ille
Monroe
of
| ank
B.Jasper
Montezuma
.
Montezuma
of
Bank
.Poweshiek
Monticello
Bank
..
G.
&
W.
G.
Lovell
L.
Exchang
Montour
Bank
Tama e
B'. ank
Citizens
Ringgold
.
Bank
Ayr
Mount
Bank
County
Ringgold
Mount
Pleasant
..
Bank
National
First
Henry
.
Bank
State
National

Muscatine
66

Newell
.

66
66

Newton
.

....
&
..xchange
AEBank
Cummins
ppanoose
-Deposit
).(Moravia
Dunning
Day
(Mllyn
orris
A)&
Saunders
P.
Whiting
T.
BNat
.SMuscatine
Stein
.kxchange
'EG.
.Merchants
. H.
Bank
Savivgs
Muscatine
Moore
W.
.

CMCook
&
usser
, o.
Co
&
Garrettson
A.
G.
...

Bank
National
First
.Chickasaw
Bank
,
City
Nevada
Storey
Otis
Briggs
.
PHarris
arker
oll'n
Agts
.),(C&Buena
Vista

Nashua
Nevada

Dutton
(0.
).J.
Schenck
Tunis
Hall
John

.R.
.Wm
Kinnaird

Emerson
B.
T.

40,000
50,000

Dunning
B.
.C.
Allyn
S.
George
.
Merrill
T.
John
Clarke
S.
H.
John
H.
Whiting
.
Lewis
R.
F.
R.
T.
Thompson

10,000
20,000
25,000

Case
G.
A.

Corbin
Banking
..
Co
Corbin
Banking
Co.
,Son
CGilman
..&
o

100,000
100,000
50,000

on
,S&o.
CGilman
50,000

Case
Amos

.
Bank
National
First

S(O.on
&
Dutton
)B.

DSmith
&
arrow
C..&
,SMahaska
Kalbach
Sharon
New
ons
o

Bosworth
D.
F.
E.
Bigelow
.A.
Kalbach
H.
W.

William
Vaughan
..
WL).&
( .ufkin
ilson

10,000
50,000

.
Bank
National
First
.Srust
&TMerch
Co.
av.Loan
Commerce
Bational
Na
ank
'Nof
.Merchants
Bank
National
. 3,000
Bank
Chem.N.B.
ra.N.B
mp
$2.;.&TIUnion
|100,000
NMerchants
'al
. at
Bank
.
Bank
National
First
Pusey
&
Officer
Bank
National
,CMetropolitan
.B
oun
lfs
Chase
National
Bank
.......
.
Bank
Union
C25,400
K,&
ean
..o.
Bank
National
Chase
Preston
;Corbin
B.
N.
.Third
Bank
National
Union
Co.
Bk'g
Exchange
...
Bank
National
19,000
.
Bank
National
Union
Bank
.Metropolitan
First
National
BAmerican
.North
ank
Nat.Bk
Nat
Western
Exchange

25,000
Robert
Andersou
C.
30,000
..
Kierulff
W.
G.
100,000
M.
H.
Carpenter
.L.
L.
G.
Lovell
C( .o.
&
.)-HStevens
Stevens
J.
50,000

Brown
B.
.A.

Chickasaw
...
Hampton
New
Bank
of
Gurley
.H.
Chickasaw
B).&
(EBank
aston
County
.igelow

...
o
,Son
&C
Gilman
5,000

,So.
CGilman
&
on
..
Bank
National
Chemical
.Oopdyke
CGeo
..&
.German
Bank
-American

.
Bank
National
Union
.Fifth
Bank
National
.
Bank
National
First
.
Bank
National
Union
.'20,000
NExchange
Merchants
Nat.Bk.
ABank
merican
| ational
Bank
.First
.
Bank
National
National
Chemical
50,000
.50,000
Commerce
BNat
Nat
of
ank
.BNorth
ank
Western

.&
anks
at
BNMFTImporters
kerch
.' irst
raders’N
.Union
Bank
National
.
Bank
National
First
.Bank
Bank
Merchants
National
Hanover
National
.
Bank
Commercial
Bank
Nat
Western
.North
Bank
.First
National
.Exchange
Bank
National
CAmerican
Bkommercial
N.
Bank
.National
FBk
irst
.N.
Exchange
American
.National
Bank
Commercial

.' ational
Bank
NMerchants
.Bank
National
Commercial
.' ational
Bank
NMerchants
115

.Jasper
..
Newton
of
Bank
.Jasper
Bank
County
L.
D.
Clark
.

Kirk
I.R.

,Son
Gilman
..C&
o
America
of
Bank
..

CHICAGO
CORRESPONDENT
.

BANKS AND BANKERS — IOWA.

Monroe

S(M.mith
).&
ontague
G.
T.
Emsley
.
Kirk
P.
.Commercial H.
Bank
Exchange
Bank
.
McGregor
National
First
Clayton
Larrabec
Frank
Mechanicsville
...Cedar
Gortner
&
.Helmer
EJackson
Bank
..| xchange
.
Miles
W.
J.

SURPLUS
N
EW
CORRESPONDENT
.YORK

10WAcontinued
.
116

COUNTY
AND
TOWN
.

Nora
Springs
.
Northwood

Bank
Exchange
Floyd
.
Bank
County
Worth
Worth

Odebolt
Oelwein
Ogden
..

Bank
Odebolt
Sac
Oelwein
of
Bank
Fayette
.J.
Bank
Gillett's
D.
Boone

Oskaloosa

06
66
Ossian
Ottumwą
.

Bank
State
National
..

66
66
66

,B.. oach
CFrankel
&
-Wiņneshiek
Bank
Ossian
Bank
.First
Wapello
National
.
Bank
National
Iowa

Panora
.
Parkersburg

66
Pella

Perry
.

Preston
Primghar

Reinbeck
Riverton

Butler
Bank
Valley
Beaver
.Exchange
Bank
.Sioux
ville
Patterson
Davidson
L.
C.
National
First
Bank
.Marion
National
Pella
.
Bank
W.
George
.Dallas
Blakeslee
Postville
Allamakee
Bank
.
Prairie
City
.-Citizens
.'BJasper
ank
E.o.
L.
CZachary
&
RBartholomew
&Jackson
iley
O'Brien
J.
Pumphre
R.
y
..
Oak
Red
-Montgo
.
Bank
National
First
mery
Bank
National
Valley
Grundy
MBrooks
&oore
Bros.

.
PRESIDENT

CASHIER
.

-UPAID
P
CAPITAL

Tredway
B.
.A.

CC.
&o.
Richard
B.
National
Chase
.
Bank

.)R.heo.R.Crandell
o
TPike
(&CC.
John
Wright

Wright
.G.
Jamison
John

SURPLUS
YORK
CORRESPONDENT
.NEW

$20,000

Snell
J.

Bros.
Kountze
B(H) etten
.&
ospers
Charles
Sweney
.
H.
J.
...
Brush
L.
B.
Harding
.H.
Cowles
G)(.eorge
Riley
(E.
).F.
TJohn
&
Farmers
raders
'B
..
ank
.Mahaska
Siebel
Richards
Seth
.E.
Bank
National
Oskaloosa
M.
..
Cutts
C(M) arter
.&
eyer
Bonnifield
B.
W.
.F.
..Chas
Blake
Guthrie
County
Bank
..George
Moore
A.
Richards
L.
B.
Wolf
Aaron
E.
Cassatt
R.
H.
P.
Bousquet

Hall
Roberts
Butters
D.
S.

.C.
Lane
H.
Moore
N.
H.
FFremont
|)&
remont
.County
SBank
(Dexton
avies

10,000

Sweney
I.
J.
Brush
P.
J.
Jamison
H.
John

50,000
Corbin
Banking
Co.

H.
Howard
S.
Lindly
D.
E.
Lindly
.A.
Wm

50,000

10,000
McGrew
A.
W.
W.
John
Edgerly
Pentecost
J.
L.
J.
Parker
F.
..
Wolf
C.

15,000

Stubenrauch
H.
J.
Nolled
John
Rouse
A.
Howard
Roberts
S.
W.
25,000
Roach
B.
J.
B.
R.
Zachary
20,000
50,000
Asher
Riley
S.
.
Clarke
F.
C.
Roberts
M.
R.
Moore
T.
Z.
..
..
Sexton
G.
0.

50,000
Banking
Corbin
000
25
..
Co

,So.
CGilman
&
on
.
Bank
Park
National
.
Bank
Park
National
Bros.
Kountze
Bros
..
Kountze
5,000
50,000
CO&
pdyke
. o.
Geo

CHICAGO
CORRESPONDENT
.
.International
Bank
'National
.Merchants
Bank

.
Bank
National
First
BTraders
.' ank
'Bank
.Traders
Bank
National
Chase
'NMational
erchants
.Bank
Bank
National
Chase
.
Bank
National
First
.
Bank
National
Union
.National
Bank
National
Third
First
Bank
50,000
B0,000
Nat
First
and
anks
...Union
Bank
Park
$3National
Fifth
.Chase
Bank
National
.
First
Bank
National
Continental
.
Bank
National
Commercial
.50,000
Bank
National
First
Bank
Metropolitan
2,000
.....
SGilman
C,100,000
&
.21,000
Bank
National
Commercial
oon
National
..FAmerican
Bank
Birst
k
ExchangeNat
nternational
.,IChase
Bank
National
.B.
Bank
National
N.
Commercial
A.
York
New
of
FUP40,000
.&
Bks
National
60,000
.Nirst
Nat
Chase
nion
ark
at
60,000
..40,000
Bank
National
.First
Bank
National
Central
21,000
National
.5,200
Bank
Third
First
Bank
National
. on
Bank
National
,SFirst
CGilman
&
......
o
CPreston
,Ko.
&
ean
.
Bank
National
Fifth
Union
Bank
National
Continental
.5,000
Bank
National
50,000
Bauk
Nat
Western
North
A.
B.
N.
York
New
of
Bank
17,000
.150,000
.......
Co
Banking
Corbin
.
Bank
National
Union
National
.Bank
Bank
Commercial
..
Park
.' ational
Bank
NMerchants
.
Bank
National
Upion
ean
C, o.
&
KPreston
Allison
&
.,SWeare
City
ioux
Bank
.National
Chemical
10,000
Bank
Fifth
50,000
Bank
.First
National
.
Nat.Bank
Leather
and
Hide
CKPreston
&
ean
, o.
BANKS AND BANKERS – IOWA.

,Huntley
OSylvester
&
sborne
&B. rother
Holbrook
Monona
.
Bank
City
Orange
-Sioux
Mitchell
County
Bank
Mitchell
.
Bank
National
Osage
County
Clarke
Bank
Clarke
.
Bank
Osceola
Bank
Riley's

Onawa
City
.
City
Orange
Osage
Osceola
66

.
BANK
OF
NAME

–continued
WA
.IO

.
COUNTY
AND
Town

Rock
Rapids
.

Sabula
Sac
City
Sanborn
.
Scranton
Sheffield
.
Sheldon

66
.
Rock
Shell
Shellsburg
Shenandoah
Sibley
Sidney
.
Sigourney

.
Lake
Spirit

Dickinson

Springville
.
Linn
Marshall
State
.Centre
Steamboat
Rock
.
Hardin

CORRESPONDENT
NEW
SURPLUS
.YORK

M).
athews
L( yon
&

.
Bank
National
First
.
Richards
L.
B.

.
Shade
J.
T).&
(Miller
hompson
..
Lane
C.
H.
Early
Carr
D.
.
Lane
C.
H.
.P.
Thos
Rue
La
B.
Taylor
.T.

,
Fairfield
Clark
.John
Parker
.H.
.Thos
Read
Emmert
L.
H.
).(Cline
Bull

.Brown
Henry
.
Keck
Joseph
J.
P.
Yerger
.
Rice
B.
H.
William
L.
Joy.
E1856.
(). stablished

Nicodemus
L.
.J.

Watson
L.
J.
..Levi
Davis
Daggett
W.
I.
...
W.
.Geo
Brock
.
Carhart
B.
L.
C.
.Ed
Brown
Phillips
W.
J.
.
Miller
H.
John
J.
A.
Crose
,Asst
Walters
J.
.N.
,L.
.H
Emmert
W.
Frazer
T.
AKeck
I.
R.Theo
obison
J.
.Thos
Stone
Garretson
S.
A.

$25,000
2,500

,So.
CGilman
&
on
Kountze
Bros.

25,000
Bank
Park
National
..Kountze
Bros
.
Bank
Park
National
20,000
50,000
25,000

Bros.
Kountze
10,000
......
Bros
Kountze

28,000
50,000
25,000
100,000

C&
on
S, o.
Gilman
20,000

Kountze
Bros.

75,000

.
Miller
W.
A.

CC.o.
&
Richard
B.
Bauk
.
National
Chase
3,000

40,000

Bros.
Kountze

Bank
Lake
Spirit
Steenburg
Van
B.
Co.
&
..
Bank
Exchange
Co.
&
Dobbin
W.
J.
'Exchange
.Farmers
Bank
B.
D.
Cartwright
..

PAID
-UP
CAPITAL

Marcus
Snyder
Emmet
Hill
F.
)(J.
Butler
S.

A.
Noyes
.

E.
W.
Skerry
Root
C.
J.

.
Bank
Park
National
25,000
30,000
30,000

20,000
SGilman
C, o.
&
on
...
o
&C,Son
Gilman
7,000
.Oo.
CGeo
&
pdyke

CORRESPONDENT
.CHICAGO

.
Bank
National
First
.First
Bank
National
.
Bank
National
First
.
Bank
National
Union
.First
Bank
National
B.
Nat
Exchange
American
.Bank
Bank
National
Third
First
B
.Nat
ank
Western
.N'&raders’N.Bk
orth
TImporters
.
Bank
National
Union
.
Bank
National
First
.Bank
Bank
National
Fourth
.First
.
Bank
National
First
,SPreston
CGilman
&
......
Ko.
oon
ean
,
Bank
National
First
Traders
B
.' ank
erchants
Bank
ational
7NCity
$|.'M,000
ean
CPreston
K&
, o.
irst
Ft.
Bank
ank
BNational
Nat
.,SFirst
Paul
Merch
at
SNPaul
t.
k
.,B
erchants
.'NMational
Bank
National
Fourth
25,000
erchants
.MN'Bank
Bank
ational
National
Chemical
8,000
.
Bank
National
Fifth
Bank
.Bank
erchants
National
NM.' ational
Ninth
20,000
CBank
National
.Chemical
. ommercial
.
Bank
National
First

IOWA.

South
Amana
Spencer

CASHIER
.

BANKS AND BANKERS

Rockford
of
Bank
.Floyd
Plummer
L.
A.
Lyon
.
Rapids
Rock
of
Bank
.
Bank
County
Lyon
verbolt
OHJackson
&
| ilsinger
.Comme
Bank
Sac rcial
Bank
County
Sac
O'Brien
'Bank
Citizens
Scranton
of
Bank
Greene
.Franklin
Bank
Sheffield
Bank
Sheldon
O'Brien
Bro
&
Sleeper
..A.W.
.Butler
Bank
Rock
Shell
'EBenton
Farmers
Bank
xchange
Bank
National
First
..Page
. Osceola
Bank
County
Osceola
.
Bank
Exchange
Sibley
Co
&
Emmert
L.
H.
,Mo.
Brown
CFremont
&
etelman
..
Bank
National
First
Keokuk
Bank
Union
.First
Sioux
National
Bank
Woodbury
City
Bank
Savings
City
Sioux
AWeare
&llison
Buena
Rapids
.Sious
Hoskins
M.
James
Vista
Iowa
Amana
Society
.Clay
.
Bank
County
Clay
Edmunds
B.
J.
...
Griffin
E.
M.

Rockford

.
PRESIDENT

.
BANK
OF
NAME

.
Bank
National
First
Commercial
National
.
Bank
.
Bank
National
First
C&
,Ko.
Preston
ean
NCompany
.'-MCorbin
Bank
ational
erchants
Banking
National
.Union
Bank
.
Bank
National
Commercial
.
Bank
National
Commercial
National
.Union
Bank
.
Bank
National
Union

117

IOWA.continued
118

.AND
COUNTY
TOWN

.
BANK
OF
NAME

66
66
Stuart

Sumner

Bremer

Tipton
..
Toledo
Traer
66
Union
.
Vail

Victor
Villisca
.
Vinton

Walker
Wapello

Waukon

Bank
Tama
of
Tama
Bank
National
First
.Cedar
Bank
County
Cedar
Hammond
Herbert
Bank
Toledo
City
Tama
.
Bank
Savings
Toledo
Moore
&
Brooks
of
Bank
...
Bank
Traer
of
....
CHardin
&
Benson
R.
S.
o.

'Bank
.Citizens
Traders
'B
ank
Iowa
Bank
County
Iowa
Co.
&
Alger
S.
W.
Montgomery
Sweet
W.
A.
Benton
Bank
Exchange
'Lrust
TFarmers
&
..
Co
oan
06
Samuel
H.on
SWatson
&
Williams
F.
W.
...

.)R.
Bank
County
Vista
Buena
C(JStorm
&
Lemon
ohn
.Vi
Lake
-tBo.
auena
erchant
'&ames
JF.
Toy
.MFarmers
ok
Harker
James

Cass
(S.
)F.
Carmichael
L.
Hall
A.
B.
.
Tuthill
H.
William

.
Carmichael
L.
E.
..
Starr
P.
A.
Carroll
Moreau

N.
Wilder
H.
.
Clark
Leander

W.
J.
Maynard

J.
W.Traer
.
Horridge
George
H.
S.
Watson
.

PAID
U- P
CAPITAL
.

NEW
.SURPLUS
CORRESPONDENT
YORK

.First
Bank
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C.
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A.
J.

W.
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.
E.
G.
Chapman
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J.

H.
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Crawford

&
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o
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.
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W.C.
Henry
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.Rowan
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Allen
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.
Bowland
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John
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100,000
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50,000
26,500
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.
Wolf
De
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John
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W.
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Swayze
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.
CORRESPONDENT
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BANKS AND BANKERS - IOWA.

Tama
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Bank
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.
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.Ninth
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.20,000
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.6,300
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Bank
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IOWA
c
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.
BANK
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.
COUNTY
AND
TOWN

Waverly

65
Webster
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65
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.
Bank
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nd
.
Wilton

Burr
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H.
.
Lush
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Mason
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B.

PAID
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.

. 0,000
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50,000
20,000

Abraham
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Joseph
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of
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Bowman
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Young
ME()& astman
cMurray

CASHIER
.

N.
A.
Van
Camp
...
.
Giesler
L.
James
F.
L.
Smith
G.
S.
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n
..
Lahman
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John
K.
Pixley

31,000
26,450
50,000
100,000

50,000

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Richard
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Gilman
24,000

.
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Park
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irst
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28,000
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2,000
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irst
BANKS AND BANKERS -- 10WA.

West
Side
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Bank
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PRESIDENT

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ational
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3,480
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18,270
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.
Bank
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119

.
COUNTY
AND
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Abilene

Dickinson

.Abilene
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Thomas
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Harper
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Cowley
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Atchison
.
Bank
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66
65

Baxter
Springs
.
66

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Burlingame
Burlington
.
Oak
Burr

Anderson
P.
.M.
Wm
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H
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NEW
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CORRESPONDENT
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20,000
25,000

R.
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4,000

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.
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ank

66
..
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Garretson
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15,000
50,000

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.
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John

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Atchison
50,000
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100,000
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David
100,000
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George
10,000
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m
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6
66
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CASHIER
.

BANKS AND BANKERS - KANSAS.

Anthony
Arkansas
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PRESIDE
NT
.

.
BANK
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120

.
KANSAS

Btchison
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ank

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KANSAScontinued
.

COUNTY
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Concordia

Cherokee
Cloud
66
Cottonwood
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CASHIER
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CAPITAL

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5$ 0,000

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.
Arnold
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25,000

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Banking
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Girard
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of
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J.
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of
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25,000

.
Bank
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20,000
100,000
50,000

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15,000

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121

State
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.
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Moffet
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.
CORRESPONDENT
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,Limpson
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)(W.
Taylor
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Builer
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.
Ellsworth
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Bank
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Greenwood
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Marion
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Bank
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.Eureka
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Hiawatha
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DHobart
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&
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N.
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State
County
Morris

.
PRESIDENT

BANKS AND BANKERS - KANSAS.

Dodge
City
Downs

.OF
BANK
NAME

-continued
.KANSAS
.
PRESIDENT

CASHIER
.

.Millings
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Iola
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Jewell
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ank
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Junction
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Kirwi
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La e
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of
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of
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Manhattan
66
66
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.
Centre
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66
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CJohn
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o.
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CG
66

PAID
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CAPITAL
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2$5,000

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usser
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.
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10,000
25,000

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PRESIDENT
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BANKS AND BANKERS - KANSAS.

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.
BANR
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124

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.
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125

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PRESIDENT

BANKS AND BANKERS — KENTUCKY.

Bardstown
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.OF
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NAME

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BANKS AND BANKERS - KENTUCKY.

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PRESIDENT
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126

.
continued
KENTUCKY-

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127

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BANKS AND BANKERS — KENTUCKY.

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CASHIER

KENTUCKY.
continued

128

.NAME
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OF

.TOWN
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NESTERN
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BANKS AND BANKERS - KENTUCKY.

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.
continued
KENTUCKY-

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.
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NESTERN
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132

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BANKS AND BANKERS - MAINE.

66
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133

Bank
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continued
.
MAINE134

.
COUNTY
AND
TOWN

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66

.
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66

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16,500
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.
MARYLAND

.
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135

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BANKS AND BANKERS - MARYLAND .

.
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BANKS AND BANKERS - MARYLAND .

Second
and
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31
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CASHIER
.

136

BALTIMORE
.-continued

Bank
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. .MARYLAND
-continued

COUNTY
AND
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.
BANK
OF
NAME

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Kent
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-UPAID
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50,000
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CPHILA
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BANKS AND BANKERS - MARYLAND .

Easton
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PRESIDENT
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.
PRESIDENT

.
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140

.
continued
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BOSTON-

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.
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ee
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141

C..9 ongress
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48
...
State
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.
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....
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BANKS AND BANKERS - MASSACHUSETTS.

.8Congress
.
37
Bedford
.
Main
25
State
47

PRESIDENT
.

.
BANK
OF
NAME

.
STREET

UPAID
-P
CAPITAL
.

CORRESPONDENT
NEW
SURPLUS
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Bros.
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BNorfolk
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66
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Robert
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Cambridgeport
100,000

CORRESPONDENT
.BOSTON

BANKS AND BANKERS - MASSACHUSETTS.

.
Devonshire
68
.
Devonshire
62
Summer
105
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State
44
.
Federal
63
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35
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35
..
Devonshire
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.85
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83

CASHIER
.

142

BOSTONcontinued
.

C.&Preston
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146,000
50,000
70,000

'National
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.
Redemption
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National
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.National
.
Bank
Exchange
National

MASSACHUSETTS
.-continued

.
COUNTY
AND
TOWN
Canton
66
Chelsea

Bank
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French
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Concord
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Conway
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Essex
66
Norfolk

Dedham

Easton
.
66

Bank
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First
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Bank
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..
Bank
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Bank

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eorge
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Israel
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Daniel
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Ezra
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.
Hall
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,.John
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Fred
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Fairhaven

River
Fall
66

PAID
U
-P
CAPITAL
.

Francis
W.
,T
.Deane
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W.
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,Tr
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John
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300,000
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.
150,000
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SURPLUS
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CORRESPONDENT
.NEW

$6250,000
7,039

BOSTON
CORRESP
ONDENT
.

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ank

100,000
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ank
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ommonwealth
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75,000
raders
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uffolk
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,Tr
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200,000
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100,000
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150,000
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30,000

36,000

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raders’N
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.30,000
100,000
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100,000
150,000

200,000
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75,000

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125,000

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.
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143

..National
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J.
.....
...
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.
CASHIER

BANKS AND BANKERS - MASSACHUSETTS.

PRESIDENT
.

.
BANK
OF
NAME

.
COUNTY
AND
TOWN

Bristol

.
River
Fall
66
65
65
66

Bank
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Massasoit
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Bank
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Metacomet
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Bank
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.

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Gloucester
66
.City
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Procter
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66
Grafton

CASHIER
.

PAID
-UP
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SURPLUS
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.NEW

Leander
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128,000
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66
55

66
66

PRESIDENT

Worcester
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John
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BOSTON
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BANKS AND BANKERS - MASSACHUSETTS.

66
66

.
BANK
OF
NAME

144

MASSACHUSETTScontinued
.

National
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.
mporters
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150,000
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200,000
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300,000
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100,000
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averick
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MASSACHUSETTS
.-continued

.TOWN
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AND

.
BANK
OF
NAME

PRESIDENT

Bank
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Greenfield

CASDIER
.

PAID
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SURPLUS
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66
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66
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66
66
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66
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66
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66
66

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ohn
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BANKS AND BANKERS – MASSACHUSETTS.

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MASSACHUSETTS.
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MASSACHUSETTScontinued
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BANKS AND BANKERS — MASSACHUSETTS.

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148

MASSACHUSETTS.
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65
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50,000
100,000

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BANKS AND BANKERS - MASSACHUSETTS .

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66
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4,000

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100,000

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225,000
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Warriner
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BANKS AND BANKERS - MASSACHUSETTS.

.BOSTON
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150,000

.
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.
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.Boston
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Exchange
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50,000

MASSACHUSETTS,
continued

.
COUNTY
AND
TOWN

.NAME
BANK
OF

.Bank re
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Ware
Hampshi
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Ware
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66
Wellfleet
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66
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.
Winchester
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Bank
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William
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CASHIER
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103,500
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250,000
150,000

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22,505

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1,290

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..
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YORK
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UPAID
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.

BANKS AND BANKERS – MASSACHUSETTS.

PRESIDENT
.

,
COUNTY
AND
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.
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.
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105,000
525,000

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.
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.National
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120,000

BANKS AND BANKERS – MASSACHUSETTS.

..
Yarmouth

.
PRESIDENT

152

MASSACHUSETTS.
continued

.
Redemption
Bank
National

.
MICHIGAN

COUNTY
AND
TOWN

Adrian
66
66

Albion

Allen
...
Almont
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66
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66
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n
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50,000
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CORRESPONDENT
CHICAGO

...
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ank
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153

.Cadillac
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..
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Forrest
E.
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PRESIDENT

BANKS AND BANKERS — MICHIGAN

Allegan
.

.
BANK
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NAME

.
COUNTY
AND
TOWN

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BANK
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NAME

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66
65
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66
66
.
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.
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enry
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Randall
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Branch

Coldwater
66

-UPAID
P
CAPITAL
.

BANKS AND BANKERS - MICHIGAN .

Carso
City n
.Caseville
Cassopolis
Cedar s
Spring
..Centreville
Charlotte

CASHIER
.

.
PRESIDENT

154

.
continued
MICHIGAN-

S..
&Bank
Cisco
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of
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ank
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50,000
400,000
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....
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NMechanics
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Bank
NIllinois
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allatin
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.
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erchants'Nat
ks
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&
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ark
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organ
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,First
. o.
Bank
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MICHIGAN.
continued

.
COUNTY
AND
TOWN

Detroit
..
65
66

Dexter
Douglas
Dowagiac
Dundee
.
East
.Saginaw
66
Eaton
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.....
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..
Evart
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66
Flint
.
GG
66
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..
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s
.

Monroe

P&
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&
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Bank
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.
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k
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66
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.
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66
66

.
CORRESPONDENT
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..
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NEW
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...
Co
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66
Kalamazoo

PAID
-UP
CAPITAL
.

.
Bank
Park
National

66
.
Bank
National
First

CASHIER

BANKS AND BANKERS - MICHIGAN .

PRESIDENT
.

.
BANK
OF
NAME

MICHIGAN
.-continued

156

.
COUNTY
AND
TOWN

Barchard
&
Pratt
.Jackson
.Montcalm
Bank
National
First
&o.
Church
J.
CC.
Co.
Moore
&
Leroy

Lake
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66
66

Bank
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xchange
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.' .Oceana
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.
Bank
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.
Bank
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Holland
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Ilolland
Oakland
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Howell

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66
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Tonia
66

losco
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ming
.
66

Itbac
a
.

.
Bank
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Homer
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Mather
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CM.Livingxton
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LBank
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hurch
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PRESIDENT
.

Rutan
Manning

North
D.
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.
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Thomas
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.CASHIER

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.
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.
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4,000
100,000
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.
Bank
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60,000
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HH.
CN(G.o.
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Frank
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CHICAGO
CORRESPONDENT
.

BANKS AND BANKERS - MICHIGAN .

Hanco
ck
.
Hart
..
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.
66
Homer

.
BANK
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.
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.,DSecond
ank

.MICHIGAN
continued

.AND
COUNTY
TOWN
Jackson

CASHIER
.

Jackson
.
Bank
City
Jackson
.
Bank
County
Jackson

D..
..
Wm
Thompson
Horace
Ismon
S.
.....
ouglass
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DGibson
Interest
&
Jackson
John
M.
Root
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.Newkirk
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Henry
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Thonias
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.
White
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.Jonesville
Kalamazoo

65
66

C(Grosvenor
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Robert
....
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.

PAID
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CAPITAL
.

50,000

.NEW
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$1People's
000
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00
00,000
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.
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L'Anse
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.
66

George
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Bk
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100,000
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CORRESPONDENT
CHICAGO

BANKS AND BANKERS — MICUIGAN .

PRESIDENT
.

...
Bank
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66
66

.OF
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NAME

.
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George
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66
66

CORRESPONDENT
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.
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BANKS AND BANKERS — MICHIGAN .

Mendon

-UP
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.

. Charles
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George
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mead
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158

MICHIGAN
c
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MICHIGAN
,–continued

COUNTY
AND
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Huron
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66
66
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PAID
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159

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.
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BANKS AND BANKERS — MICHIGAN .

Paw
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.
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.
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.NAME
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66
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66
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CORRESPONDENT
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CHICAGO
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BANKS AND BANKERS - MICHIGAN .

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PAID
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.
Louis
St.

CASHIER
.

160

–continued
.MICHIGAN

National
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MINN
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AND
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.
BANK
OF
NAME

CASHIER
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.
PRESIDENT

DW.
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..
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Dov
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66
Eyota
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Fairmont
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SURPLUS
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5$0,000

..
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BANKS AND BANKERS - MINNESOTA .

Lake
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G
66

.OF
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NAME

162

.
continued
MINNESOTA-

National
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MINNESOTAcontinued
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.
COUNTY
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Ulm
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66
66
66

.
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66
66

65
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66
65

CASHIER
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BANKS AND BANKERS - MINNESOTA .

.
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.
PRESIDENT

.
OF
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NAME

-continued
.MINNESOTA

164

.
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66
06

66
66

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65
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BANKS AND BANKERS - MINNESOTA .

.BANK
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.AND
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FredericA.Donahower
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BANKS AND BANKERS — MISSOURI.

Rock
Arrow
Belton
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Bethany

.
BANK
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.
continued
MISSOURI-

.NAME
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.
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Eagleville
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60

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st
.2d
nc
,'B*Mechanics
ank

Arendes
.F.

G.
Stifel
C.
..
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Savings
14th
and
Market
Northwestern
North
C.
Greeley
Institution
Savings
PS.
*rovident

Olive
.513

Savings
*SAssociation
tate

Vine
and
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Wtouis
Burr
illiam
Bank
.LSChamber
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..E.
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of
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National
*Bank

..
Olive
417
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322
Locust
and
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Bank
National
V.* alley
FDonaldson
..&raley

.301
Olive
Pine
203
.
Olive
307

Hoffman
E.
.S.

PAID
U- P
CAPITAL

Frank
T.
Iglehart
..
J.C.
Van
Blarcom
.
John
.Dierberger
.H.
Wm
Thomsun
E.
C.
Kircher
81,000
150,000
.
Gleeson
P.
T.
C.
.E.
Breck
..
Keating
PWm
W.
F.
Biebinge
.J.
Block
D.
H.
C.
FFourth
National
r
ourth ton
Washing
.*Bank
ave
and
..G.
Garrels
W.
A.
E.
Meysenburg
.ABank
.Franklin
and
Fourth
..Gehner
ave
merican
- ugust
German
Richard
Hospes
...
.-,VWilliam
res
Lange
C.
.ug.
APLeisee
,Asst
Doerr
.P.J.
...
Garrison
Oliver
600,000
H..R.
Rutchinson
Yeatman
E.
Moore
C.
'N*MJames
Bank
....
ational
erchants
H.
John
. Rottmann
Bank
Savings
Mullanphy
Kammerer
G.
L.
...
.
Obernier
Peter
50,000
Almon
Thoinson
B.
.
125,000
John
McCluney
H.
Charles
Parsons
Nickerson
John
..
Overstolz
Henry
Tenth
Koch
heodore
Assoc'n
Ward
.Tand
Savings
Jefferson
Broadway
Stoddart
A.
T.
....
.Peter
Karst
Emile
Association
Savings
nion
*UNicholson
176.000
Goddard
II
.G.

CORRESPONDENT
CN
SURPLUS
HICAGO
EW
.YORK

300,000
757,088

Stuart
JC.o.
&
J.
EKelly
| 50,000
ugene
&
C13,400
o.
000
2,000
.
America
of
Bank
83,000
Kountze
Bros.

.
Olive
305
..323
Third
North
Third
North
213
Third
North
121
Third
North
203

.
Bank
Park
National
8,565
100,000
.100,000
Bank
National
Central
15,000

.,p3(S.99.
).Advt
ee

CLittle
&
. o.
Wm
Whitaker
&
Matthews
NNelsor
&
oel
Trokers
&
).(BWilson
oms

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ay
T.C&
LMerch
oan

.
Bank
National
Chatham

50,000
Kelly
|Eougene
C10,000
&
..

250,000
20,000

..
Bro
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'&T,aN.ders
.Importers
Bk
,17
Goodhart
J.
P.
..
St
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&irk
,4BTobey
...
St
road

Co
&
Bros.
Blake
Kountze
Bros

Mercantile
Bank
National
Union
.
.Bko.
Nat
Exchange
American
S650,000
TMerch
&
.CLoan
rav
500,000
. 100,000
Bank
National
First
Nat.Bk.
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American
Bank
Nat
Western
.North
1,000,000
'National
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Commerce
of
Bank
National
.200,000
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National
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N.
.
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and
Hide

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.,Po.
hila
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PClark
.,&
hila
CE.
W.
Speyer
.;
o
D& o.
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oston
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Wilson
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HC,.&o.
artfa
171

a*)(Members
by
indicated

and
)Paper
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Bond
iCommercial
Leonard
F.
William
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E.
.,M
. gr
Parsons
Charles
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Honse
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..St.
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of
Chamber

Ban
National
First

'Bank
Traders
Republic
the
Bk.of
.National
.700,000
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Union
Republic
the
Bk.of
National
95,000
National
..
Bank
100,000
Hanover
15,000
.
Commercial

Alden
J.
Gaylord
....
Soutter
Co.
&
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&o.
National
First
Bank

Co
&
..Kohn

.$2$ 00,000
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National
Commercial
Commerce
of
Bank
National
6,000
Bank
Bank
National
.Metropolitan
Montreal
of
o1Cfanadian
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Hiberdian
o.
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&
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Kelly
.Eugene
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200,000
ational
NNational
..
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. 200.000
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the
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National
14,000
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ean
o.
,K100.000
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&
erchants
anovr.N.B
.haihm
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M.&H400,000
&
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kmerican
|A200,000
.B13,000
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National
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National
CLatham
11,000
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100,000
av
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roan
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250,000
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40,000
av
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&
rerch

p(Skee
.4,James
00.
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&
Edwards
o.
ers

Samuel
A.
Gaylord
..
:.&
Co
Hart
B.
Aug.
Co.
&
Keleher
F.
P.

Third
206
North

..
Olive
217

.
Tutt
E.
Thomas

CASHIER
.

BANKS AND BANKERS - MISSOURI.

.
Biddle
1311
.
Pine
and
Second
Broadway
3618
...
Third
North
324

.
PRESIDENT

.TOWN
COUNTY
AND

.
PRESIDENT

.NAME
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OF
.
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Sturgeon
Boone

Sturgeon
...

Turner
W.
S.

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of
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..
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&
av.B.
echanics
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...
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D.
Hugh
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&
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Putnam
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.. organ
Morgan
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Unionville
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Warrensb
urg
.
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.
Washington
..

..
Marshall
E.
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Nt.EW
SURPLUS
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.Louis
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CBartholow
&
o.
ewis
impson
awson

2$0,000

120,000
$St.
awson
impson
,L6,000
SDonnell
.&
Bank
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Louis
.
Bank
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Louis
St.
S.,CTraders
L10,000
Donnell
&
impson
awson
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hicago
ank
1,099
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.&
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awson

..
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First
10,000
30,000
25,000

5,000
10,000

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. o.
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artholow
hicago
ank
C,L.Union
ewis
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SDonnell
,&
ewis
impson
awson
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1,000

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Savings
W.
G.
Bank
Johnson
County
.Johnson

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SDonnell
&
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(Coll'n
Campbell
R.W.
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....
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of
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Hendrich
F.

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.
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Windsor
.Henry

Waverly
66
Weston
Windsor
.

Hawes
E.
A.
Gilmore
George
Austin
E.
W.
Perkins
W.
H.

PAID
U- P
CAPITAL
.

J.
Beedy
C.
.

Wattenberg
.L.

10,000

James
Goodwin
W.
A.
...
Anglen
Van
.S.

30,000

.
Tryon
W.
George

8,000

-American
..German
Bank

10,000

Deer
Lodge
...

66
Miles
City
Missoula

William
Roe

BIsaac
.Head
rother
&
Roe
Bannack
eaver
...
W-Gallatin
& illson
Story
arabie
.&, lark
LCDonnell
Lodge
Deer
o
CS.
&
...
Hauser
T.
.&
LDonnell
lark
C, arabie
First
Bank
National
o.
&CGlendale
Armstrong
N.
Head
Beaver
.
Bank
National
First
Clark
and
.Lewis
...Helena
Brother
&
Hershfield
H.
.L.
Cueter
City
Miles
of
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Virginia
City
HMadison
| enry
Elling
,Harrington
Raymond
C
&
...
o

45,000
50,000

Bros.
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Bros.

First
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hicago
.,Bk
LDonnell
awson
S, impson
&

First
CNational
., hicago
Bk

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odge
,&
awson
, impson
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&
o.
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uer
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ollins
Montana
Northern
of
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Choteau
Benton
G.
Conrad
W.
.
Hauser
T.
S.

Nininger
R.
A.
Missoula
.
Bank
National
Missoula
Higgins
P.
.C.

G.
E.
Maclay

50,000

E.
W.
Knight

100,000

H.Alex
arding
10
000
Ferdinan
Kennett
d 50,000
.

Franklin
Bank
.
awson
impson
,LNational
SDonnell
&
Fourth
.13,000
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National
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SDonnell
&
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awson
. impson
National
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Bank
Exchange
B3,000
Nat
|Akmerican

.
MONTANA

Bozeman
Butte
.

BANKS AND BANKERS - MISSOURI, MONTANA.

Tipton
..
Trenton
.

Palmer
L.

CASHIER
.

172

MISSOURI.
continued

Kountze
Bros.
,Do.
CClark
&
odge

Kountze
Bros.
Clark
,D&Co.
odge
10,000
Bros.
Kountze
Bros.
Kountze

National
.Third
Bank
Bfhicago
k
.oNat
.,CIllinois
FClark
irstN.B
oodge
National
;.&C,D125,000
irst
hicago
Bk
First
National
C.,Bk
hicago
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N
.
Paul
,S' t.
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St.
Bk
Louis
.,SNat
t.
First
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N.
Fran
.,SBk
an
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National
O
., maha
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NEBRASKA

.
COUNTY
AND
TOWN

Boone
Bank
County
Boone
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Bank
County
Thayer
Grimes
R.
L.
Harlan
Furnas
.
Bank
County
Furnas
Ashland
Bank
of
Saunders

Beatrice
66

Creek
Bell
Blair
Bloomington
Blue
Springs
Brownville
Cambridge
Carleton
...
Central
City
Columbus
Crete
.
66
David
City

.&
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WMMcKay
, unger
.First
Bank
National
Gage
.
Lamb
William
W.
Crane
J.
Washington
Castetter
A.
Bank
County
Franklin
Franklin
Springs
Bank
Gage
Blue
.Nemaha
Bank
National
First
.
Bank
Valley
Republican
Furnas
Bank
Exchange
.Thayer
. Merrick
Bank
City
Central
Platte
Bank
State
Columbus
Saline
'Bank
.Citizens
Butler
Bank
County
Butler

Decatur
Edgar

PRESIDENT
.

CASHIER
.

).De
Roberts
(C.
)(Charles
Fowler
A.
.
Tomblin
M.
D.
Darrah
R.
W.
..
.
Wildish
George

.
Smith
E.
John

Smith
C.
Samuel

L(Hucy
&
)
amilton
P)&
(Mersinger
etcalf
Gerrard
Leander
Scott
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H.
.
Nebraska
of
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Wolfe
Thomas
armers
' ell
ank
L(BBFMerchants
).&
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CORRESPONDENT
NEW
SURPLUS
.YORK

1$5,000

John
Clark
R.
Hamilton
Hamilton
.L.
County
Wildish
Bank

).(F.
Harman
A.
.
Smith
E.
J.
John
Carson
L.

-UP
PAID
CAPITAL

6,000
25,000
50,000
10,000

.
Bank
National
First
2,500
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Bros
Bros.
Kountze
Bros.
Kountze
..
Bros
Kountze
Bank
National
.First
..
Bros
Kountze
20,000

Williams
C.
.J.
A.
Davison
R.
Delatour
P.
S.

5,000
50,000
20,000

Turner
Abner
Clarey
P.
J.
.
Stevens
D.
George
W.
B.
Thorpe
..

16,000

Bros.
Kountze

35,000

Bros.
Kountze

Edgar
Bank
Clay

Exeter

Fillmore
Exeter
of
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CWallace
&o.
Jefferson
Harbine
Thomas

Fairbury
Fairmont

E.
Branch
B.
Co.
&

.
Bank
Hill
Murray

Falls
City
.
66

Fremont
65
66

Friend

Theron
Nye
.

.
Chase
B.
Irvin

20,000

.
Holland
W.
G.

50,000

Manley
Rogers

50,000

...
Bros
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Kountze
Bros.
------

.
Brock
R.
George

10,000

Bros.
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2,500

.
Bank
National
Union
.,Omaha
Bk
National
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Bank
National
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CKPreston
ean
&
, o.
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Omaha
...
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Con
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incoln
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LNational
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National
L,Marsh
o.
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o.
incoln
,&
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SLDonnell
awson
.,&CMarsh
LBros.M.
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&
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, t.Joseph
.&
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maha
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incoln
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irst
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SLDonnell
awson
, impson
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erchants
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10,000
.,O&CCaldwell
m
,Ho.
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C, o.
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173

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.W
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...
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MHopkins
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.
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oll'n
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,
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L.

Nelson
P.
.J.
,A
sst
Wallace
H.
William

Fillmore
County
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JFillmore
.
.0.
E1875
)( stablished
Richardson
L.
Harding
Richardson
County
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.B.

National
O
.,Omaha
Bk
maha
Bank
Chemical
o.
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Bros.M.
impson
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Donnell
&
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Omaha
O
., maha
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.----Co
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O
maha
Birst
ank
Nat
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Bank
National
Chemical
.,L&C&
incoln
o.
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impson
awson
$8,000
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Bank
National
Chase
3,400
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Nat
.,O
maha
.
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National
Union
O
Bank
Nat
maha
.,Omaha
,Omaha
Bank
National
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'National
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Bank
National
Omaha
.,O
Bk
maha
.
Bank
National
Union
.
Bank
National
First
Mo.
Bros.
o.
inc
.
C.,LCMarsh
&
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Henry
Bank
.,& incoln
International
LCMarsh
o.
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Bk
National
maha
Bank
Chemical
'National
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Bank

.
Bank
National
Chemical

DBurt
|..
shley
C,Arury
&
o
{(DHoward
insmore
Grand
Island
Banking
Co.
Packer
P.
C.
)(C.
Cleaveland
S.

CORRESPONDENT
.CHICAGO

BANKS AND BANKERS- NEBRASKA ,

Albion
Alexandria
Alma
Arapahoe
..
Ashland
Aurora

NAME
.
BANK
OF

.TOWN
COUNTY
AND

Hebron
.
Humboldt

Bank
Hall
Island
Grand
ng
.
Bank
Central
State
Charles
Bentley
.F.
F&
. armer
Payne
Clay
.Adams
Bank
County
Adams
Bank
Exchange
Bank
.
Exchange
Thayer
.
Bank
Humboldt
. Red
Bank
County
Willow
Red
Willow
Jones
R.
......
CC.
&
o
Adams
Bank
County
Buffalo
.Buffalo
..
Bank
More's
.Valley
Bank
| ogan
LWayne
.
Bank
National
First
Lancaster

.Indianola
Juniata
Kearney

.
Porte
La
Lincoln
(6

66
.National
Bank
State
,Mosher
Bros.
CMarsh
&
....
o

66
Madison
Milford
66
Nebrask
a
City

65
Niobrara
Norfolk
.
,
Bend
North
Platte
North
Oakland
.
Omaha

Orleans

PRESIDENT

Bank
Exchang
Geneva
Smith
W.
G.
Fillmoree
.Co.
Packer
P.
C.

CASHIER
.
Fisher
M.
J.
Kernohan
P.
J.
Henry
Koenig
A.
,Asst
Vieths
H.
.D.

-UPAID
P
CAPITAL

3$0,000
15,000

YORK
.NHICAGO
EW
CCORRESPONDENT
,SURPLUS

$15,000
Bros.
Kountze
Corbin
Banking
Co.

(A.o
&
Clarke
C.L.
).

....
Turk
W.
BRichardson
.W
ank
.
M'&
erchants
Farmers
).(F.
Samuelson
W.

35,000
Yeazel
.&Yeazel
Brs
Raymond
A.
).(W.-Thompson
J.
..
Dinsmore
James
.
.
Lambertson
C.
R.

Dolan
W.
J.
,M
ngr
....

More
(L.
.)R.

Lamb r
J.
W.
County
Lancaste
..
Bank
.J.
Richards
R.

Hiley
Fred
.
).(WWiley
Bros.
.F.
Gibbe
L.
Martin
..
B.
R.
Bressler
T.
John
John
Fitzgeral
.John
Clark d
R.
..
Fawell
H.
John
Richards
C.
L.

Corbin
Banking
....
Co

15,000

BKountz
: rothers
10,000
40,000
50,000

BSavings
TBank
).&
arnes
yrrel
(Madison
County
Madison

.&kin
AStuart
Seward
.
Bank
State
Milford
,Po.
CJohnson
&
erry

Smith
L.
.Charles
AHale
rthur
Wilson
.
L.
W.
Bank
Nebraska
National
City
..Otoe

Co
&
Sweet
James
...
Bank
Valley
Niobrara
Knox
.Madison
Mathewson
P.
C.
.
Kendall
C.
..Dodge
McDonald
Charles
Lincoln
...
Bank
Oakland
Burt
..First
National
Bank
.Douglas
.
Bank
National
Omaha
,Hamilton
CCaldwell
&
..
o
HCounty
| arlan
Bank
.Harlan

Bevins
Solon

Woolsey
L.
G.
.Julian
Hill
E.
William
..
Bank
.
Netcalf
National
County
Otoe
Perrine
Otis

1,600
50,000
100,000
10,000

Kountze
Bros
....
Kountze
Bros.
,So.
CGilman
&
on

C,A(Do.
).&
rury
shley

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BANKS AND BANKERS - NEBRASKA.

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66
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174

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175

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BANKS AND BANKERS - NEW HAMPSHIRE.

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c
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178

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BANKS AND BANKERS — NEW HAMPSHIRE.

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Hanover
22,000
.
Revere
.
Bank
National
Maverick
.Bk
Bank
TExchange
.N'45,000
ational
.
&raders
Importers
.Maverick
Bank
National
Bank
.Nat
Commonwealth
.
Bank
Revere
National

National
.
Bank
Shawmut

.
continued
HAMPSHIRENEW

.TOWN
COUNTY
AND

.OF
BANK
NAME

.
PRESIDENT

. Nashua
Bank
Savings
City
Hillsborough
,
Bank
National
First
.C.
Bank
National
Head
Indian
Hill
B.

66
60
66
66

Bank
Savings
Nashua

White
W.
J.
Second
..
Bank
National

..
Ipswich
New

Newport

Sullivan
National
Bank
First

Bank
National
First
.Hillsborough
Peterborough
66

Livingston
F.
..
Peterborough
Bank
Savings
.
Scott
James
..R.
French
L.
.Pittsfield
Bank
Savings

Bank
Portsmouth
National
First
R
. ockingham
.JSise
ohn
Traders'Bk
'&
Nat.Mechanics

.J.
Hall
uar uth
CTrust
F.
GPortsmo
&o.
66

66
Rochester
ohn
J.Bank
McDuffee
National
Rochester
.Savings
Bank
Rochester
Rollinsford

Falls
Salmon
Sandwich
.

Bank
Falls
Salmon
.)(See
Rollinsford

,W.
G
Roberts

Seneca
,TA.r
.Ladd
Clinton
Averill
TS.
., r
F.
T.
Sawyer
Emerson
P.
Brown
,. r
TE.
A.
J.
Spalding
.E.
..
Emerson
P.
100,000
Frank
120,000
McKean
A.
....
,TChandler
Dearborn
V.
D.avings
Seth
r
'S.C.
Mechanics
Bank
William
Bailey
W.
V.r
Gilman
.,TC.
Morrill
T.
Hiram
..
,Tr
Kimball
G.
John
Co
Banking
Hampshi
New
re
Eaton
A.
F.
...
125,000
,T. r
Preston
Frank
..
Johnson
W.
William
..New
Bank
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Ipswich
S.
A.
Haley
80,000
Burley
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Joseph
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Market
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Rockingham
...
Haley
A.
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N.
,TTreadwell
.S.
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New
Frederick
W.
Lewis
...
..
Richards
Dexter
100,000
Frederick
W.Lewis
,TBank
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.H..renry
Savings
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Richardson 100,000
P.
C.
Morrison
L.
..,TM.
r
JH.
,GMerrimack
ohn
oss
.CA.
Carpenter
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.Pittsfield
Bank
harles
Pittsfield
50,000
Berry
H.r
.,TW.
EIchabod
Kimball
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.
.
Goodwin
300,000
.W.
Butler
George
300,000
Butler
S.
P.
.L.
Bartlett
ames re
.JNew
Bk
National
Hampshi
150,000
Robert
C.
Peirce
r
,TIchabod
..
ua
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Piscataq
.Foster
HJos
r
.,TBank
.iller
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uth
..William
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HChas
Rollins
.,T.r
100,000
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J.
..P.
John
Hart
Bank
John
.200,000
National
Rockingham
,FTranklin
rohn
.JBank
McDuffee
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Plains
Norway
Strafford
.
McDuffee
Franklin
50,000
,Tr
Wentworth
D.
.S.
.Rollinsford
Roberts
W.
,TW.r.
Morton
.GH.
Bank
Savings
Morton
H.
W.
50,000
WMarston
,T
Heard
Mandwich
H.
r.
Carroll
|S.A.
Bank
Savings

Head
Natt

BOSTON
CORRESPONDENT
.
.
Bank
National
First

National
Bank
Redemption
.

$2$100,000
0,000

.Nassau
Bank
9,090
60,000

.First
Bank
National
National
Bank
Republic
.

5,500

Maverick
National
.
Bank
Bank
.Nat
Commonwealth

20,000

National
Bank
Redemption
.

23,000

.
Bank
National
Suffolk

National
Bank
Redemption
.
.
Bank
National
Shawmut

29,106
10,139

1,900

13,000

Second
National
.Bank
Bank
Central
100,000
.National
Bauk
Exchange
Nat.Bk.
American
52,000
.Heather
LNat
&
Bank
ide
.
Bk
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Metropolitan
..Metropolitan
Bank
National
irst
F40,000
Leather
&
Shoe
B
.Nat
ank
,
Bank
National
Eliot
Bank
.
National
Eliot
.
Bank
National
First

,Tr
Hildreth
F.
Charles
TCo.
Srust
Bost
.&
Dep
afe

179

Strafford
.)(SSomersworth
Falls
Great
ee
Savings
..Merrimack
Bank
China
Suncook
.
Hildreth
......
Co
&

PAID
UCORRESP
-.N
SURPLUS
YORK
ONDENT
. PEW

CAPITAL
.

BANKS AND BANKERS - NEW HAMPSHIRE .

Lang
Village
.J.Belknap
Bk
Savings
W.
.
Meredith
Burnham
Inst
.DFive
S.
.
Saving
Cents
Milford
Hillsborough
.R.
Bank
Howison
National
Souhegan

Meredith
Milford
..

CASHIER
.

-continued
HAMPSHIRE
.NEW

180

.TOWN
COUNTY
AND
Tilton

Bank
..
Citizens
'National
.Belknap
Bank
.
Savings
Iona

PRESIDENT
.
.
Davis
Eleazer
B.
A.
Wyatt

Hayward
W.
J.
...Cheshire
Walpole
of
Bank
Savings
Bank
.National
Ordway
G.
N.
Merrimack
Kearsarge
Savings
..
Bank
„HWilton
Wilton
illsborough
.
Fleeman
Josiah
..
Cook
Everson
.Cheshire
Bank
Savings
Ashuelot
Winchester
Bank
National
Winchester
TEdward
c.hayer
..
Wolfeborough
Bank
National
Lake
Blake
..
Folsom
Carroll
.
Bank
Savings
Wolfeborough
..
Fox
C.
William

CASHIER
.

-UPAID
P
CAPITAL
1$$73,700
0,000

William
Cass
T.
William
,Tr
Cass
..T.

Bellows
G.
.,TJ.
r
George
C.
G.
..
Moses
TClark
,r
..
T,. r
Albee
Ellery
Abbott
Henry
Parker
F.
Charles
,Treas
Banfield
.Ira

BCORRESPONDENT
.YORK
NOSTON
SURPLUS
EW

50,000

5,835

100,000
125,000

20,000
8,000

.Bank
National
Suffolk

.Bank
National
First

BANKS AND BANKERS — NEW HAMPSHIRE.

Walpole
Warner
.

.
BANK
OF
NAME

Redemption
Bank
.National
National
Redemption
Bank
.
.oNat
North
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Bfk

Y
.
JERSE
NEW

.
AND
COUNTY
TOWN

.NAME
BANK
OF

Blair
.JI.ohn
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.C.
Ward
Israel
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.
Bloomfield

.
PRESIDENT

Camden

Camden
,
Bank
First
National
.
Bank
State
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Hunterdon

Clinton

Bank
National
First

66
Deckertown
Dover

Sussex
Morris

,Bank
' ational
NFarmers
SBank
' avings
Miners
.
Bank
Union
National

Union

.
Elizabeth

66
Bank
National
First
.State
Bank
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Flemington
.
Bank
National
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Monmouth

Freehold

Hunterdon
.....
Frenchtown
Gloucester
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City

.
Bank
National
Union

Trust
.&
Dep
Safe
Camden
Dayton
B.
James
Co.
Starr
F.
John
Gill
John
.
Syckel
Van
Bank
Joseph
National
Clinton
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Robert

.John
Whitaker
A.
...
McFarlan
Henry
Hudson
Hoagland
Davis
Jacob
Institution
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Dime
.T.
Hand
L.
..
Bank
Savings
Elizabethport
.S.
Crane
.
.JSavings
Inst'n
Elizabethtown
Davis
Jacob
.
Kean
John
Bank
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Flemington
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Jones
L.
John
Bartles
ank
harles
.Nat
CBCounty
Hnnterdon
Jacob
B.
Rue
...
William
Statesir
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Freehold
Reading
G.
Philip
.Inst'n
Greene
J.
Albert
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Gloucester
.
Ackerson
G.
Bergen
..
County
Bergen
of
Bank
G.
Ackerson
.
.GBank
Savings
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Bergen

C.PHILA
ORRESPONDENT

$1300,000
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Park
National

.
Harris
Israel
.,C.r
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Thomas

.
.'&
NTIBk
raders
| mporters
3,500
.Park
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30,000

150,000

Nixon
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William
,TF.r
..
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Richard
...
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Nathan

100,000

,Tr
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.William
Watson
Depuy
Martindale
C.
Isaac
...
Leigh
V.
Bennet
Voorhees
W.
N.

100,000
200,000
260,000
100,000
100,000

100,000
...
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.F.
Theo
.T,Jay
Treat
S.r
Treat
S.
Jay

.
Stover
S.
William

Bank
'N,&
Merchants
000
90
M.Fational
.B.
echanics
armers
’ExchangeN.Bk
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.25,000

27,000

100,000

100,000
200,000
125,000
150,000
113,350

.40,000
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National
Chemical
|American
4,000
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Exchange

|National
30,000
..
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&
Meeker
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W.

.B'&42,000
k
TImporters
raders’N
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.
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1,821

.
Bank
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raders
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&
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.B'N260,000
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of
North

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.'N35,000
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orn
.ank
BC.Exchange
Nat
.
Bank
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National
Bank
National
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50,000
Bank
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Hanover
22,670

.
Bank
National
Commercial

.Bank
Republic
NK
uhne
-&
achod
, ational
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,Tr
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.F.

John
Berry
J.
,Tr
Berry
J.
.John

.
America
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of
Bank
Co.
&
Drexel

National
..32,000
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Fourth

’Exchange
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.32,000
Bk
N.

.,TJohn
Earl
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,Tr
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.Richard
,Tr
Halsey
W.
.M.
..
PWm
Thompson
200,000
350,000
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James
Dunham
C.
..
Hopewell
B.
John
Laird
T.
Joseph
Terhune
L.
James

.
Bank
National
Philadelphia

100,000

.Bank
National
Chatham
181

Hackensack

SURPLUS
NEW
CORRESPONDENT
.YORK

BANKS AND BANKERS - NEW JERSEY.

.Bank
Charles
Elmer
E.
National
Comberland
Cumberland
..
Bishop
William
Institut'n
Savings
B.Burlington
| urlington
Howard
J.
...
..Bank
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' ational
NMechanics

Bridgeton
Burlington

PAID
U- P
CAPITAL
..

100,000
Woodruff
John
.R.
Bank
Kennedy
National
loomsbury
|F.
BHHunterdon
enry
73,750
Claypool
I.
Alfred
Hutchinson
C.
Robert
......
Co
Banking
Bordentown
Burlington

Bloomsbury
Bordentown

.
CASHIER

JERSEY
NEW
c
.- ontinued

182

.
COUNTY
AND
TOWN

BANK
OF
.NAME

.
Hackettstown
Warren
Mercer
Hightstown
..

Bank
National
First

Hudson
First
Bank
National
Hoboken
Bank
Savings
for
..
Union
Dime
Savings
Bank

Hudson
City

Jamesburg
.Jersey
City

Middlesex
National
First
Bank
Hudson
Bergen
Savings
Bank
.
Bank
City

66
66

Bank
National
First

Bank
..JHackettstown
Welsh
C.
ohn
National
Nathaniel
...
Rue
S.

Samuel
Syms
R.
..
.
Sherman
W.
George

I.
Buckelew
S.
Siedler
Charles
S.
G.
Boice

F.
E.
Young
C.

66
66

66
Lambertville

Hunterdon
Bank
National
Amwell

Branch
Long

Monmouth
Branch
Long
Banking
Co.

Matawan
Medford
..
Millville
Morristown

Cumberland
.Mulford
Bank
National
Millville
Lewis

Morri
Nationsal
First
Bank
Bank
Savings
County
Morris
LWm
King
..

66
66
66

William
R.
Maps
...

..
Bank
Iron
National

.
Marsh
O.
H.

Mount
Holly
National
Union
Benjamin
..
Bank
Ridgway

Newark
66

Jobn
...
Institution
Essex
|DMcGregor
Savings
ime
.JWard
Bank
National
County
Essex
oseph
Bank
National
Isador
.German
Lehman

PAID
U- P
CAPITAL

.
CASHIER

NEW
.SURPLUS
CORRESPONDENT
YORK

.'N&5$$150,000
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.
raders
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0,000
Bank
Park
National
11,000
150,000

Robert
..
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Johnes
Joseph

Lilliendahl
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110,000
.
Pickenbach
G.
John

Hill
Wilton
T.

75,000

.Bank
Nat
Metropolitan
35,000
..

Ninth
National
20,000
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Francis
Emmons
S.
Tr
Shaw
E.
50,000
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.Fifth
Bank
,THrenry
Boice
S.
G.
Traphaagen
M.
..
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W.
G.
400,000
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C.
Schroeder
Michael
Germania
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.,TE.
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.r
D.
Headden
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r.
Reipen
.,TJJohn
r
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..G.
David
Taylor
...
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Hardenbergh
A.
.
250,000
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.,TW.
Smith
Andrew
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for
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W.
Hogencamp
Wilson
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E.
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500,000
.Second
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V.
Cooley
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John
72,000
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.
Smith
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Isaiah
Stryker
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100,000
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Con
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90,000
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'BFarmers
HW
c
.Hendrickson
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erchants
m
Jonatban
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100,000
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County
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H.
..J.
Little
John
B.
r
..,TByram
Crowell
Morristown
.,Sec
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for
Noble
E.
Charles
...
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Craig
...
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.
'NI.
Farmers
.Burlington
Stratton
N.
L.
John
Jersey
New
of
B.
Armstrong
FAugustus
loyd
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National
Holly
Wills
100,000
.Mount
M.
Wm
Emley
.I.

,Tr
Orton
D.
.James
W.H.
Curtis
M.
E.
Douglas

C.PHILA
ORRESPONDENT

150,000

100,000
100,000

200,000
200,000

Nat.Bk.
Exchange
American
Exchange
American
200,000
Nat.Bk.

|M.Park
;N.E150,000
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xch.N.Bk.
er
Metrop'tan
.;
FourthN.B
300,000
N.B.
Bank
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30,000
..5,000
'National
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'National
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..
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Bank
National
First
20,000
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.Nraders
Bk
.
'&
20,000

BN.B.Commonwea
, oston
BANKS AND BANKERS — NEW JERSEY.

Hoboken

PRESIDENT
.

B
.'Nat
apk
Manufacturers
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National
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1,000
.
Bank
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.Bank
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of
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hiladelphia
'N&
.
raders
32,000

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40,000
the
of

90,000

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300,000
200,000

k
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75,000
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N10,000
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.;50,000
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MB.of
er.Ex.N.Bk.
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GNational
.'30,000
Bk
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EMerchants
xchange
. ank
BNat
Exchange
Corn

-continued
JERSEY
.NEW

.
COUNTY
AND
TOWN

.OF
BANK
NAME

PRESIDENT
.

.German
Bank
Savings
Essex

Newark

66
66

.
Bank
State
National

.Macknet
Theo
Newark
Institution
Savings
Dodd
Daniel

National
Second
Bank

.
Kase
H.
John

Graham
Co.
&
Co.
&
Howland
T.
J.
|Dime
Brunswick..Middlesex
New
..
Bank
Savings

Newton

Orange

Jacob
'National
...
Bank
Sussex
Merchants
Swayze
L.
....
David
Thompson
.
Bank
National
Sussex
Essex
66

Paterson

.
Bank
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Dime
Half
Bank
..
National
Orange
Bank
.
Savings
Orange

Bank
National
First
Passaic
65
66

,TChristian
Welner
C.
.George
r
Mueller
.Howard
Vanderpool
Beach
...
Institution
Savings
,Tr
Tuttle
N.
..Joseph
Charles
'National
Manufacturers
Bank
.....
Plume
W.
Joseph
.Campbell
G.
NMechanics
ational
'...
Joseph
...Bank
Halsey
A.
....
Baldwin
L.
0.
Edward
James
'NKanouse
Merchants
....
Bank
..
Durand
M.
. ational
Banking
Newark
National
B.
James
Co.
.Charles
Pinneo
.
Rockwood
G.
.Rockwell
Wm
Bank
National
City
Newark
Baldwin
Albert
Pennington
H.
Samuel
William
D.Carter
.,Tr
200,000
...
Bank
National
Ward
..Faull
.SNorth
Chas
..
Graham
H..
Wm
..
Orton
D.
James
Julius
Stapff
..Edward
Co
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.The
Schickhaus

Bank
..
|N$2$ ,000
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inth
50,000
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.N400,000
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..
.Bank
ational
ational
500,000
'&T200,000
Importers
.B8,600
raders’N
k
500,000
Bank
Park
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150,000
&o.
Richard
B.
CC.

Republic
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&
'NImporters
Bank
.Bk.
.National

National
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.100,000
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Importers
40,511
..B
k
.
Bank
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75,000

,Tr
Stetson
.Horace
200,000

.
Bank
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Irving
75,000
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NTImporters
'&raders

400,000

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&
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'N100,000
.Bk.

,Tr
Vermilye
H.
W.
...

Swinburne
..John
T.Merselis
I.r
,Edo
Jackson
.
James

Bank
National
City
Union
Bank
National
First

Middlesex
County
Bank
.Middlesex
Hall
William
Instit'n
Savings
Amboy
Perth
..
King
William
National
.Phillipsburg
Boileau
Samuel
...
Bank
Warren
Charles
Hyde
..
Deventer
Van
R.
J.
..
Edward
Howe
Bank
National
Princeton
Mercer
Bank
Savings
Princeton
Bruere
H.
J.
...
Rahway
of
Bank
National
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Shotwell
F.
A.
Squier
...
Institution
C.
William
Savings
Rahway

|First
22,200
Bank
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CC.o.
&
Richard
B.
Park
National
1,000
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150,000

Gordon
W.
F.
35,000
,Tr
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.William
200,000
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BANKS AND BANKERS - NEW YORK .

55
66

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186

-continued
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.
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BANKS AND BANKERS - NEW YORK .

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188

.
COUNTY
AND
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PRESIDENT
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65
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66

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125,000
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28,000

.Continental
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.
continued
YORKNEW

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.
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.
BANK
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.YORKcontinued
NEW

190

.
BANK
OF
NAME

.
COUNTY
AND
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Cortland
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BANKS AND BANKERS - NEW YORK .

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th
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66
66

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.
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192

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PAID
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BANKS AND BANKERS - NEW YORK .

F.
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.
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BANKS AND BANKERS - NEW YORK .

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66
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3,329,800
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435,400
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195

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BANKS AND BANKERS - NEW YORK.

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YORK
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continued
.CITY-

.
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,see
City
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New
of
BROKERS
AND
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of
List
.For
Bankers
and
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European
following
pages

CORRESPONDENT
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BANKS AND BANKERS - NEW YORK .

avenue
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.
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198

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.
continued
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.
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YORKNEW

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PRESIDENT
.

202

.
continued
YORKNEW

First
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66
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BANKS AND BANKERS – OHIO .

Third
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77

Foote
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Charles

CASHIER
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210

CINCINNATI
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,Mgr
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continued
.
OHIO-

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66
66

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eddell
.B.o
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&
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......
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o
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80,000
National
Park
Bank
.
.
Bank
Park
National

National
.First
Bank
AMechanics’N.B
m.Ex.N.B
;180,000
Nat.Bk.
Exchange
American

PDMerchants’Exchang
.,C&
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ean
,' o.
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Handy
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by
indicated
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...
Co
Banking
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Sandusky

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'&
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..
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&
raders
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Nat
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ank

&Co.
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J.
....
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Columbus

66
55

..Bk
Bank
National
CCommerce
fommercial
o175,000
.F.&C, ifth
Bank
National
.Ex.N.Bs
AHanover
ent
200,000
.First
Bank
National
Bank
National
Metropolitan
130,000
Co.
oan
T.Merch
L&
National
Chatham
50,000
av
Srust
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.Union
Bank
National

NTImporters
.Bk.
'&raders

66
Clyde
...

CORRESPONDENT
..CYORK
NHICAGO
SURPLUS
EW

BANKS AND BANKERS - OHIO .

66
66
66

CASHIER
.

.W.
Ide
S.
S.
Rickly
.
John
Beatty
.
C:Sessions
Francis
..
.
Sinks
.W
Geo
...
William
Monypeny
...
.
Ide
S.
W.
Deshler
G.
W.

.BTChase
,CNat
. incinnati
Bank
National
hird
ank
Kountze
B;'in
N.
Ninth
SSeasongood
,Bros.
ons
.,C&
o.
American
20,000
Nat.Bk
Exchange
C,Third
.B
Nat
incinnati
ank
Traders
&
.'NImporters
Bank
National
First
.Bk.
Exchange
American
CNat
First
incinnati
ank
.,.BNat.Bk.
National
Bank
,K100,000
Preston
CCentral
&
o.
ean
Bank
National
Chase
Tincinnati
.B
,CNat
hird
ank
Exchange
.BFAmerican
.,CNat
irst
incinnati
kank
50,000
.B
incinnati
ank
T,CThird
'NImporters
Nat
.Bk.
&raders
.,C.B'N&raders
in
ank
Merchants
at
TImporters
.Bk.

25,000
100,000
.GHenderson
Chas
.
H.
W.
Albery
.
Deshler
G.
John
300,000
..
Gordon
P.
Theodore
...
Richards
H.
W.
100,000
100,000
Charles
Hardy
J.
..

Rickly
R.

..
Brooks
Herbert
Stewart
K.
E.

75,000

..
Bank
Park
National
.Bank
Bank
Fourth
.First
National

211

Commerce
*Bank
Franklin
.of
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*apital
CCity
Bank
avings
SC.'*itizens
Bank
C.* ommercial
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Bank
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.*Fourth
Bank
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*National
Bank
Exchange
CJ.
..&
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Anderson
o
rooks
C,B* utler
&
...
..&
CP.o
Hayden
.
C*P.Wo.
&
Huntington

.TOWN
COUNTY
AND

.
BANK
OF
NAME

DMFranklin
onaldson
,*Columbus
C&
o.
. iller
R...
*einhard
C&
o

.
PRESIDENT

CASHIER
.

Conneaut

.
Bank
Park
National

Simon
Mapel
..
|M.utual
Ashtabula
Hayward
Association
.SLoan
Jackson
Hay
.
Miami
Stillwater
Bank
Valley
Shuman
R.
J.

Covington
Crestline
.

BCrawford
Banking
| abst’s
House
..
atewart
Farmers
nd
SMechanics
('B)&
ank
on

Falls a
Cuyahog

International
.Summit
Bank

Dayton

.
Bank
National
Dayton
Montgomery
..
Bank
Savings
Dayton
'National
.Merchants
Bank
..
Bank
People's
Second
National
..
Bank
arman
,Ho.
CGebhart
&
Son
&
Winters
V.
..
Bank
National
Defiance
Defiance
Bank
Savings
.Defiance

66
66
Defiance

De
Graff
Delaware
.
66
66
Del
. phos
Delta
.
Doylestown
Dresden
Dunkirk

Deposit
Banking
...
Co
First
National
Bank
Commercial
Bank
Allen
First
National
.Bank
William
Ramsey
Fulton
...
Wayne
,Mo.
&CSeiberling
iller
Eaton
E.
C.
Muskingum
J.ons
L.
SLemert
..&
Woodruff's
Hardin
Bank

Sill
N.
E.

Achey
H.
J.
Prugh
L.
J.
..
Mead
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D.
W).( illiam
Gunckel
.
Huffman
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William

.James
Orcutt
A.
William
Holgate
C.
aStuts
' keorge
Farmers
nd
’BLogan
(GMerchants
)...
.B..
Nat
County
Delaware
ank
..Delaware
Heim
D.
W.
Shur
P.
S.
Paul
B.
C.
K.
R.
Lytle
WTheo
. rocklage
..

T.
Mapel
J.
Hayward
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..
Thayer
E.
B.
.
Herbig
.
C.
Henry
.S.
Irvine

5$0,000
80,000
50,000

80,000

W.
S.
Phelps
.
Crawford
Ziba
Estabrook
S.
.A.

300,000
100,000
150,000

Charles
E.
Drury

Edward
Squire
LBenj
Abell
..
James
W.
J.
Moore
S.
Welch
A.
H.
Gould
E.
J.
Fuller
H.
W.
Boehmer
Joseph

Robert
Lemert
.
Woodruf
B.
A.
f

National
Ninth
.
Bank
NI'&
.Bk.
T|$4,000
mporters
raders
Broadway
.National
Bank
Bank
Park
National
8,000
.Bk
'N
TImporters
&raders

35,000

.A.
Cable
C.
.
Babst
Jacob
Stewart
D.
H.
C.
H.
J.
Stanley
.

.
Miller
H.
S.

.
Woodruff
John

CORRESPONDENT
.CINCIN
.
Bank
National
First
.Drexel
CAmerican
Philadelphia
Nat.Bk
&o.
Exchange

National
Park
Bank

150,000
100,000
50,000

75,000

100,000

.,C& le'd
eddell
o.
WEverett
,P. iltsburgh
B.
N.
City
Iron
ank
Bittsburgh
.,PPenn
Com
BNat
k.of
L.&
...CWinslow
, afayette
anier
o
.,Chase
N.B.
CCommercial
. leveland
Bank
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leveland
C.Bank
,Nat
ity
.k
leveland
,CNMerchants
.B.
.BAmerican
'Nat
Exchange

First
National
.90,000
Bank
National
Fourth
CJNinth
&
Larkin
.F..o.
Bank
National
CNat
.,B
hicago
ank
Bank
Fifth
National
Metropolitan
16,000
C&
eidelbach
HEspy
, o.
.. irst
Bank
FBk
National
Metropolitan
120,000
.
Bank
National
Third
Nat.Bk
Exchange
American
..F51,756
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National
irst
Bank
Company
Manhattan
ank
econd
o'edo
S'N25,000
B
.,TNat
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ational
Merchants
oledo
.,&1,300
TFBank
oledoN.Bks
irst
Company
Manhattan

300,000

100,000
14,500
100,000
29,300
50,000

Noledo
.,T.BMerch
ank
at

BANKS AND B :1NKERS - OHIO .

mith
ST.&
, hayer
Lake
Coshocton
.First
Bank
National
Stewart
G.
John

Coshocton

YORK
CORRESPONDENT
.N
SURPLÚS
. EW

RJac
M
gr
.,Jd reinhar

Gordon
P.
T.
As'n
House
Clearing
Columbus
a*)(Mindicated
by
embers
Exchange
Putnam
...
Grove
Columbus
.
Bank

-UP
PAID
CAPITAL

212

.
continued
OHIO-

.
Bank
National
Chemical
Fourth
Bank
National
20,000
Nat.Bk
Exchange
American
3,000
National
Bank
First
22,000
.Oo.
Geo
C3,660
&
pdyke
National
Bank
Fourth
16,000
.Seather
LNat
&
Bank
hoe
Bank
Park
National
Co
&
Brown
H.
A.
...
National
Bank
Hanover
Bank
.
National
Irving

.
Bank
National
Third
.First
Bank
National
.First
Bank
National
.
Bank
National
First
CHEspy
&
eidelbach
, o.

OHIOcontinued
.

.
BANK
OF
NAME

First
Bank
National
Columbiana
..
Liverpool
East
Bank
National
First
I'reble
Bank
County
Preble
&Co.
Farnham
Williams
Elmore
of
Bank
Ottawa
Bank
National
First
Lorain
Bank
Deposit
Savings
...
Bank
Fayette
Fulton
Hancock
Farmers
'Bank
Bank
National
Firet
Co
&
Foster
Seneca
....
FRoss
&
'BMerchants
armers
ank
'NWarren
.Farmers
Bank
ational
.
Bank
National
First

Eaton
66
Edgerton
Elmore
Elyria
.

Fayette
Findlay
.
66

66
Fostoria
Frankfor
t
.
Franklin

66
Fredericktown
66
Fremont

Galion
66

Gallipoli
s
.

.SKnox
Dan
truble
.
Tuttle
S.
.
Bank
National
First
Sandusky
.' ational
Bank
NCitizens
Cranford
National
First
Bank
National
First
Bank
Gallia
Valley
.Ohio
Bank

National
First
ortage
P.Bank
First
Bank
National
Ashtabula

Garrettsville
Geneva
.

CASHIER
.

.
PRESIDENT

Josiah
Thompson
Brooke
C.F.
...
Hiestand
(H.
).C.

John
H.
Magee
.
DeWitt
Elijah
Nelson
L.
T.
..
LHodson
&etcher
Hosler
Peter
Jones
P.
E.

Macrum
G.
N.
.Sang
Du
A.
Joseph

Tbomas
Baynes
.E.
John
Hulbert
W.
.
Hill
C.
J.
.
Hull
G.
J.
Niles
E.
Charles

UPAID
-P
CAPITAL
5$0,000
100,000

100,000
50,000
50,000
60,000
50.000

SURPLUS
YORK
CORRESPONDENT
.NEW
$8,000
Bank
National
Ninth

Bank
National
Hanover
17,000
NMerchants
' ational
,L-anier
First
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.-&
o
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.Winslow
Soledo
Nat
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and
&
Blass
hapin
TCLeather
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BBank
.,TNat
oledo
ank
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T36,000
raders
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.B'&
Nat
ank
.,CFirst
leveland
American
Exchange
9,000
CNat.Bk.
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Second
leveland
.,B
k

OGeo
. o.
pdyke
C&
-National
Bank
First
Fourth
National
Bank
..F12,500
irst
Nat.Shoe
Leather
and
Bank
.

McLean
T.
.A.
.DAdams
Stoutenborough
S.
J.
....
avid
Boynton
A.
W.

50,000
50,000
100,000

.
Wilson
W.
James

Miller
H.
A.

100,000

LWinslow
, o.
anier
C&
Lawrence
&o
CBros.
...
National
Fourth
60,000
Bank
.

I.
Pennock
H.
..
Crim
S.
C.
Deletombe
E.
.
A.
Henking
.

.J.
Green
H.
0.
L.
Hays
.

60,000
50,000
100,000
100,000

National
First
12,000
Bank
Chase
15,000
.National
Bank
inslow
LW34,000
C,| anier
&
o.
11,000
LWinslow
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...
o

Bank
National
First
20,000

Anderson
C.
D.
Levi
Croll
.

..John
Hamilton
A.
W.
Henking
.C.

Thrasher
C.
W.
H.
S.
Munger

J.S.
Tilden
W.
H.
Munger

80,000
100,000

Kern
F.
John
BWm
..
Sampson

Cross
H.
J.
.0.
Sheadle
F.
Wright
.T.
, sst
Price
W.
.AC.

75,000
25,000

1200
Third
National
Bank

L.
J.
Morgan
..
Girard
Granville

Greenville

.
Caldwell
W.
.
Miller
H.
E.
Cummings
W.
J.
Studabaker
W.
G.
John
Hufnagle
.

Second
CNat
k
.,Bleveland
Commercial
.,CN.leve'd
.Bk
.First
Bank
National
Bank
National
.Third
&Tleveland
Importers
.'N9,000
raders
ommercial
.
CN.B.
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Bleveland
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k
To.Clev'd
raders
.eddell
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verett
CWImporters
&,Bk

Bank
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15,000
.
National
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13,000 en
Nat.Bk.
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Exchang

25,000
38,000
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Lester
Roys
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...
.M.
Jas
Lansdowne
T.
84,000
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.
42,000
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Bell

eidelbach
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, o.
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&
raders
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erchants
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..
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of
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BFourth
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,0.N
. ewark
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k
.Fourth
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....
.
First
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,8,000
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leveland
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National
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65,000
.
Bank
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Merch
.;
N.
.)Third
Bk
213

Germantown
Bank
National
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..Montgomery
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Girard
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..
.of
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Granville
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.Citizens
HGreenfield
ank
'Bighland
.
Bank
County
Highland
Green
Spring
..Seneca
Bank
National
First
Exchange
Darke
..
Bank
'National
.Farmers
Bank
Greenville
Bank

CCINCIN
. ORRESPONDENT

BANKS AND BANKERS - OHIO

.
COUNTY
AND
TOWN

.
BANK
OF
NAME

.
COUNTY
AND
TOWN

Hamilton

PRESIDE
NT
.

.Butler
Bank
National
First
.Hamilton
Bank
.
Bank
National
Second
Watson
P.
Joshua
Harrison
Hicksvill
Bank
Defiancee

Harrisville
,
Hicksville
.
Hillsborough

Bank
.J.
Higbland
'NC.
Citizens
Gregg
- ational

.Bank
Strain
Henry
'National
Merchants
HTrumbull
National
.| ubbard
Bank

Jackson
66

Bank
Iron

Jamestown
Jefferson

Greene
-Ashtabula

Farmers
Traders
'Band
ank
..
.First
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National
Second
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..
Bank
Talcott's
Deposit
Bank

.
Bank
National
Kent
Portage

Kent
Kenton
66

Bank
Savings
Kenton

Bank
Lancaster
of
Fairfield

Lancaster

66
6
Lebanon
Leesburg
Leetonia

.
Jewell
H.
R.

50,000

Bank
Leesburg
Highland
Co.
&
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Schmick
Columbiana

Kelly
(W.
).D.
.
Willard
George
.
Means
W.
Thomas
.
Pickrel
P.

Isaac
Brown
L.
Syfers
.
French
E.
N.
..
ANorthway
$..
)(Henry
Talcott

Wilson
B.
H.
Richard
Mather
.

300,000
250,000

Armstrong
D.

50,000

.
Sutherland
P.
T.
Brown
C.
J.
.
Bushnell
A.
C.
J.
..
Fuller
T.
S.
.
Talcott
C.
J.

60,000
50,000
70,000
100,000

Marvin
Kent
.
BJ.
aank
Farmers
'Hardin
Mechanics
nd
Stevens
C.
Paulucci
J..
. oseph
Bank
Savings
Hardin
W.
M.
.Chesney

Chas
Clapp
K. .
Miller
L.
Robert
.
Gramlich
W.
H.
Kraner
S.

..
Martin
D.
John
County
Fairfield
H.
Reinmund
.J.
Bank
Mithoff
A.
G.
Bank
National
Valley
Hocking
John
Bank
National
Lebanon
Hayner
M.
Warren
.
Johnson
P.
Eli

Beck
W.
George
F.
C.
Whiley
.
W.
J.
Faringer
.
M.
Joseph
Oglesby
..
M.
Redkey
.

100,000

CCINCIN
. ORRESPONDENT
.$7$1Bank
Bank
National
Third
00,000
0,000
.First
CW.
.Ho.
Bank
Company
Manhattan
&
Hughes
.
B100,000
Nat
Exchange
American
..S19,000
Bank
National
kecond

Third
Bank
National
.5,000
Bank
National
Irving
2,000
100,000
National
.20,000
Bank
Third
Bank
National
First

776
CL.o.
&
Lawrence
S.

Lawrence
Exchange
Bank
National
Bank
First
National
Second
.
Bank
Co
&
Burr
C.
..Halsey
Jackeon
Bank
National
First

CORRESPONDENT
.YORK
NEW
SURPLUS

Hughes
Micajah
Cornell
B.
John
Curtis
D.
C( .urtis
).&
hepherd
SA.
Waltner
Henry
Brown
E.
William
.
Watson
W.
George
30,000
Otis
D.
E.
Clarence
Overmap
M.
.BL.
Bank
National
Hillsborough
Barrere
Smith
S.
enjamin
.
Ferris
L.
E.
50,000

Summit
Beebe
D.
Farrar
W.
C.

Ironton

.
Jewell
M.
A.

-UP
PAID
CAPITAL

Bank
Park
National
65,000
Bank
National
Third
50,000
Bank
Park
National
Bank
National
Third
6,800
.
Bank
National
Hanover
,L&o.
CWinslow
anier
Bank
National
First
14,000
Bank
National
Central
632
Foote
&
Hatch
..

A.o.
H.
20,000
&CKent

25,000
25,000

National
Ninth
2,302
Bank

60,000
45,000
60,000
50,000

Bank
National
Fourth
National
..
Bank
Park
America
of
..
Bank
16,000
National
Bank
First
2,000

Bank
.100,000
Ninth
National
25,000
Bank
National
.Third
Bank
'National
.Merchants

BANKS AND BANKERS - OHIO .

Hubbard
Hudson

CASHIER
.

214

continued
.
OHIO-

American
BExchange
. leveland
k.
CMerchants
,'NNat
B.
C,First
.B..Lawrence
Nat
ank
Cleveland
&
Bros.
o
Bleveland
Nat
.,CSecond
k

National
.Third
Bank
Bank
National
.First
.
Bank
National
Third
.
Bank
National
First

CEspy
eidelbach
H&
, o.
.Franklin
Bank

.,Cleveland
CityBk
National
,Wlev
,C&Everett
o.
eddell

CCommercial
, leveland
B.
N.
German
Co.
Banking
.
Bank
German
Western
.'3,000
Bank
NMMetropolitan
ational
erchants
National
.First
Bank
National
.
Bank
National
Fourth
.
Bank
National
First
'National
.Merchants
Bank
.
..Fourth
Bank
National
Third
,PBk
.Com
Titts
&
'NImporters
ittsburgN.B.of
raders
.

OHIO
.-continued

,
COUNTY
AND
TOWN

Allen

.
Lima
66

66
Medina

Logan

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BANKS AND BANKERS -- OHIO .

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66

Altoo
na
.

.Altoona
Bank
Blair
.
Bank
National
First

66
Annville

Bank
Savings
Apollo
.Armstrong
.' ational
Bank
NCitizens
.Schuylkill
.
Bank
Savings
Ashley
.Luzerne
Bank
National
First
Bradford

Apollo
.
Ashland
Ashley
Athens

Baldwin
..

Beaver
.

Deposit
..Butler
Bank
Fairview
Bank
Bangor
of
Northampton
...
Bangor
.)(SBarnhart's
Aillerstown
ee
Mills
..Butler
Miller
Beallsville
.M
.
Jas
Washington
Deposit
Bank
Beaver
Beaver
Bank
Savings
Beaver

Falls
Beaver
Exchange
.
Bank
BBedford
&
.Hartley
owers

Bedford
Bellefonte
66

Belle
Vernon
.

National
First
,Bank
Reynolds
F.o.
W.
C&
Fayette
C1S.o
&
Jones
..F.

Savings
Enterprise
Graff
llegheny
ABank
T.
-J.
Nevin
H.
T.
Wiese
A.
Martin
W.
William
Nation's
Bank
John
Savings
for
Myler
..
.A.
Loan
Estate
Real
Gregor
Trust
&
..
Co
..
Meyer
Lockhart
James
..
Fleming
S.
Hugh
.J.
Bank
Savings
.Workingman's
Hermann
A.

CASHIER
.

PAID
UCORRESP
-.N
SURPLUS
YORK
ONDENT
. PEW

CAPITAL
.

,Jr.
Steffen
C.
$75,000
Edward
Kramer
R.
Stratman
Joseph
Samuel
Bryan
S.
..C.
,Tr
Benney
W.
90,643
,Jr.
Schauer
C.
73,000
Davidson
N.
J.
A.
H.
Spangler
Charles
Dahlinger
.W.

,
Bank
National
Fourth
$110,000
350,000
.B
Nat
.MThird
Bk
Park
N.
,C'N.;
incinnati
erchants
.B.
k
Bank
.National
U'N6,000
Bk
.nion
&T200,000
Importers
raders
Bank
National
100,000
|T..hird
2,119

4,240
.
.'&raders
Bk
NTImporters
o.
CNat.Bk.
&
Drexel
merican
|A150,000
30,000
Exchange

Commercial
..
Bank
National
Third
13,286
200,000
.
Bank
Bank
C.National
.
raders
.'NT&
Bk
mporters
|Ientral
50,000

illiam
.WSaeger
Bank
National
Allentown
Lehigh
Institution
Savings
Allentown
Ainey
H.
William
..
William
.
Bank
National
Second
Ainey
H.
B.
E.
Isett
Lloyd
M.
A.
..
Bank
'SKinkead
Mechanics
. avings
Max
Bank
National
Annville
Kinports
H.
Lebanon
.J.

Charles
W.
Cooper
...
Hagenbu
J.
.B.
ck
Stahler
Reuben
HTheo
..
Wigton
John
Lloyd
.....
, r.
Lloyd
M.
JW.
.
W.
Stine
George

500,000
42,000
200,000
50,000
150,000
50,000

1,500

..
Chambers
B.
John
Heaton
H.
William
..
Paine
C.
Lewis
Harris
C.
N.

Jackson
M.
S.
Helfrich
H.
George
G.
H.
Flanagan
Hull
T.
C.

46,460
60,000
37,500
100,000

11,876

.Ralston
Alex
D.
Chase
B.
.S.

McKee
W.
R.
Paff
M.
Alfred

50,000

Wilson
B.
S.

Eben
Allison
Thomas
McCreery

25,000

Reeves
.John
Wallace
P.
C.

400,000
3,000
20,000
50,000
100,000

CPHILA
. ORRESPONDENT

BANKS AND BANKERS - PENNSYLVANIA .

66
66
66

PRESIDENT
.

MFarmers
100,000
Bank
National
Union
'N&echanics
B.
.
40,582
.Union
Bank
45,000
National
Ninth
National
Bank
.
Girard
National
.
Bank
C. o.
&
assatt
Bank
National
Continental
31,500
Cassatt
C&o.
National
Bank
.Republic

.
Bank
National
First
1,600
'National
Mechanics
..8,000
Bank
|National
.72,600
Bank
Park

Jamison
K.
B.
C&
o.
BManufacturers
at
.'Nank

National
Bank
.,PFifth
itts

.
Bank
National
Third
2,000
.Chase
Bank
National

,Pittsburgh
N.B.
.Duquesne

.HHice
Institution
Savings
Economy
enry
John
Reeves

James
Centre
County
Banking
Beaver
A.
.Centre
Co.
E.C.
Humes

J.
Shugert
D.
.
Harris
P.
J.

.
Bank
People's
Bank
National
Fourth

PTradesmen'sN.B
. ittsburgh
C.,H.
&leveland
Wick
o.
Bitts
Nat
Pitt
.,PFort
k

.
America
of
Bank
.
Bank
National
Continental
Bank
.35,000
National
First
C...
,Moorgan
Drexel
&

Corn
Manufacturers’N.B
Leather
.B
Nat
.Exchange
ank
M.echanics’N
'&
.BFarmers
CDrexel
&
o.
.,PR.Patrick
Mittsburgh
organ

PENNSYLVANIAcontinued
.

COUNTY
AND
.TOWN

Philson
S.
CSomerset
..&
o
.Columbi
a
Bank
National
.First
,Wackson
JJackson
.&
oodin
Northampton
National
First
Bank

E.
Wilbur
P.
Co.
&
Indiana
Bank
National
First
William
Maher
..
Columbia
Bloomsburg
Banking
Co.
Bank
National
First

Blairsville

Bloom
sburg
.
66

Blossburg
Boyertown
Braddock
Bradford

CASHIER
.

PAID
U- P
CAPITAL

SURPLUS
.NEW
YORK
CORRESPONDENT
Chase
National
Bank

Jackson
W.
M.

Jayne
C.
S.
.
Oswald
W.
R.
Breder
E.
.C.
Myers
H.
George
Linderman
B.
Bank
.GH.
.
National
Borhek
G.
Valley
Lehigh

....
42,000
First
National
Bank

300,000

Bank
Exchange
National
First
,
Bank
Bank
Valley
Tuna

6
66
66

Cunningham
D.
T.
80,000
...
.John
Grotz
H.
Funston
A.
Tustin
P.
Joseph
Charles
Paxton
R.
.

50,000
50,000

10,500

Milton
A.
.Mory
John
G.
Kelly
..
Merrill
F.
J.

100,000
60,000
100,000

7,800

Bank
National
Third
100,000
First
National
Bank

.JB..
Thos
..
Boyertown
of
Bank
National
Rhoads
Allegheny
Braddocks
Co
Trust
....
Robert
Stewart
E.
..
McKean
Bradford
National
Borckman
F.
..R.
Bank
.....
C(H.o.
&
).Bros
uff
G.
S.
Bayne
..
S.
C.
Whitney

Provoost
.Benj
.A.
Mitchell
A.
.Claude

National
Bank
Metropolitan
National
Chase
.Bank

Butler
Dambach
SJ.on
&
..

' Bucks
k.of
NBTaylor
c..Farmers
Co.
.at
..Bucks
Jefferson
County
Litch
K.
Thomas
.Jefferso
BNat
ank n

Brownsville

Fayette
Bank
National
First

Nation
Depos
Bank
ital
.
Venango
Bullion
Exchange
Bank

Bullion

Butler
66

Butler
Butler
Savings
Bank
..

J.
T.
Roger
s
.
Bank
Monon
.Nation
al a
Georgegahel
Hogg
.E.
Cotton
William

Charles
Iredell
T.
Henderson
B.
J.

Canonsburg
Washington
-...
Savings
Bank
Martin
William
Samuel
Doane
,S.
.H
Pierce
&echanics
av
JSMMiners
.'B
ohn
k
Jermyn

H.
Bennett
,E.
E
Doane
James
Stott
EC
,.
Spencer
..

Cambridgeboro
Crawford
...
&.
L.
Kelly
AJ.

.Bradford
Samuel
SDoane
&
on
Carbondale
Lackawanna
First
National
Bank

110,000
50,000

Bank
National
First
44,000

4,000

American
PBank
,. ittsburgh
Mechanics
&
N'Farmers
.B.
MFarmers
'N&echanics
.B.
Pitts
B.Commerce
.
P.N, itts
New
of
Bank
BYork
.70,000
Nat
First
A.
B.
ank
.,PN.
ittsburgh
NPitts
.National
.
PCommerce
,B.
itts
.Chase
Bank
Third
National
NPitts
.B.
..itts
PCommerce
,.Bank
Second
k
PBNat
ittsburgh
..,National
.Chase
Bank

National
First
Bank
Traders
&
.'NImporters
Bk
.
National
.Ninth
Bank
,Lo.
CWinslow
&
anier
Bank
Park
National
|N.
.30,000
N.
Ninth
.;
Bk
Park
.6,500
Bank
National
First

Patrick
o.
PCR.
,&
. ittsburg
Third
National
Bank
.
223

Washington
...
Burgettstown
National
..
JBank
Proudfit
L.
..J.
Irwin
W.

75,000
Crumrine
E.
200,000
William
Ledwith
M.
K.
0.
Taylor
50,000
A.
W.
Gealy
80,000
Patterson
L.
J.
William
Campbell
,Jr.
60,000

John
Berg
&
Co.

Canton

Kountze
..
Bros
Bank
National
Ninth
75,000
Bof
. ank
Nat
32,000
Commerce

92,220
50,000

nion
xchange
28,400
'ENational
.UMerchants
Bk
.N.
Bank
National
Girard
.Bank
Union
National
Bank
.
National
Bank
.First

NManufacturers
ank
.B' at
T.,Bank
hird
Chemical
12,000
National
k
PBNat
ittsburgh
National
First
5,000
.CBank
Bank
entral
TImporters
raders
Bk
.ank
ifth
PNat
.,BF'N'&ittsburgh
L.Bank
Sentral
Nat
&
eather
hoe
CBank
National

100,000

CDow
&
o.

Breakneck
Bristol
Brookville

NMechanics
.' ational
Bank
3Bank
$70,000
5,000
TImporters
raders’N
National
knion
..UB'&
Chemical
National
Bank
..
BManufacturers
at
.N' ank
Importers
T46,500
.'N&
raders
.
Bank
CBk
entral
.National
300,000
National
.Girard
Bank

.)(See
Bethlehem
South
Graff
Paul

Bros.
Pomeroy
Tioga
F.
.&
Smith
E.
Berks

CPHILA
. ORRESPONDENT

BANKS AND BANKERS - PENNSYLVANIA .

Berlin
Berwick
.
66
Bethlehem
66

.
PRESIDENT

.
BANK
OF
NAME

.
COUNTY
AND
TOWN

.
BANK
OF
NAME

Carlisle
'Bank
..Farmers

6.
.
Catasauqua

Clarion
.
Clearfield
66
6
Clintonville
.Coatesville

Bank
National
Columbia
Lancaster
First
Bank
National
Co
&
Smith
K.
E.
...
Crawford
Bank
National
First

.
Conneautville
66

66
Coudersport

Deposit
and
Discount
.Clarion
Bank
Bank
National
First
Clearfield
Clearfield
County
Bank
Bank
National
County
Bank
National
First

Cochranton
Savings
Crawford
Bank
Bank
...
Coleville
of
McKean
Bank
..
Collegeville
Montgomery

Columbi
a
.

Corry

.Bank
Nat
County
Delaware
First
Bank
National
Samuel
A.
Dyer
.

Bank
Clinton
.Venango

Cochranton
Coleville
..
.
Collegeville

.
Keller
A.
Hoffer
C.
J.
Melchior
Horn
.H.

SURPLUS
N
. EW
CORRESPONDENT
.YORK

1$00,000
50,000

Elwo
.Tysonod
Larkin
.John

Koontze
Bros.

300,000
100,000

|National
.55,000
Bank
Park

Knox
B.
James
Jacob
Black
Leonard
T.
J.
Leonard
T.
James
Boynton
.J.

Thos
M
. cKee
Chester
.oChester
Bk
National
f
Abraham
Valley
Gibbons

atton
.PRobt
Steele
A.
.J.
Sunderla
(J.
)W.
nd
Shoch
Samuel
North
M.
H.
J.C.
Sturtevant
.

Sweetser
F.
.H.
Adams
Davis
..
Porter
Anson
W).K.
(.
Jones

N.
Myers
Arnold
W
G.
Adam
M. s
J.
W.
M.
Shaw
Dill
H.
W.
Kerr
H.
J.
Francis
Davis
.F.

25,000
100,000
50,000
100,000
100,000
50,000
200,000

9,000
.
Bank
National
Third
21,000
National
First
,Bank
100,000

Bank
National
Metropolitan
First
National
,
Bank

Simon
C.
May
.
Detwiler
S.

500,000
200,000

First
National
37,000
Bank
.

Nichols
R.
F.

100,000

5,600
First
Bank
National

Clarence
G.
Harmon
..
Hecker
W.
A.
Porter
A.
.H.

100,000
100,000

.
Bank
National
Third
W.
&
Loyd
H.
Co.
.
Bank
National
First

.
Bank
National
First
.BCorn
ank
Nat
Exchange

National
Chemical
.
Bank
|National
105,000
Bank
Park

Jesse
Moore
H.
Gormley
.L.

.J.
McCaleb
S.
50,000
.
Knox
C.
A.
50,000
William
McDermott 150,000

Uanks
&
BCentral
.Nat
nion
National
..
Republic
Bank
.Chemical
$78,500
&T500,000
N'a.F'Importers
Bk
.raders
nd
armers
.Mech

60,000
24,949
,Mo.
Drexel
organ
C&

Bank
National
First
.Fayette
Connellsville
.
Frisbee
D.
John
.
Bank
Youghiogheny
John
Newcomer
ontgomeryGeorge
Conshohocken.M
.
Bank
National
First
.
Bullock
Bank
National
Corry
Erie
National
..First
Bank
Porter
CA.o
&
...
.Potter
B
of
| ank
.Coudersport

J.
H.
Roop
..
William
Taylor

CPHILA
. ORRESPONDENT

BANKS AND BANKERS - PENNSYLVANIA ,

Delaware
66

.Carlisle
Bank
Deposit
JHays
ohn
Cumberland
Thomas
Paxton
..
.Lehigh
National
Bank
Catasauqua
Saeger
E.ofli
J.

-UP
PAID
CAPITAL

Cattawissa
Columbia
Deposit
.
Robins
K.
John
Bank
Davis
R.
B.
50,000
Centre
Penn's
Valley
Banking
Co.
.
Wolf
William
William
Mingle
B.
..
Franklin
National
Chambersburg
.of
Bk
Culbertson
Edmund
Messersmith 260,000
R.
G.

Cattawisea
..
Hall
Centre
Chambersburg
.
Chester

CASHIER
.

PRESIDENT
.

224

PENNSYLVANIA.
continued

CDrexel
&o.

German
PNat.Bk.
, ittsburgh
P.,Second
Bittsburgh
Nat
k
Co.
&
Jamison
K.
B.
Bank
National
.Union
.
Bank
National
First
Nitts
.,PPitts
.Bk.Commerce
Bank
National
First

&Traders
Importers
'&MN150,000
.Farmers
echanics'N.Bk
.Bk.
First
National
Bank
.
.
Bank
National
Central
,Pitts
Bk
N.
.Tradesmen's

Chase
Bank
C1,232
National
entral
.National
.National
Bank
National
.Tradesmen's
Republic
Bank
7,250

F14,500
National
| irst
Bank

Bank
Park
National

BC.,First
Nat
hicago
ank
PBk
S15,897
econd
.,N.
. ittsburgh
Bank
National
Ninth
F'NImporters
B
.,PNat
ittsburgh
Tirst
&
Bk
raders
.k
Mechanics’N
'&
Farmers
.B

PENNSYLVANIA
c
.- ontinued

.COUNTY
AND
TOWN

.NAME
BANK
OF
.
Bank
Curwensville

Curwensville Clearfield
Danville
Dillsburg
Downingtown
...
Doylestown

National
|DBank
Bucks
. oylestown
66

John
Patton
.
Edward
Baldy
H.
Bank
National
Danville
Montour
..
..
Laubach
Christian
National
.JDillsburg
Bank
Deardorff
York
oseph
Chester
.
Edge
Jacob
Bank
National
Downingtown

Lear
George

PAID
U
-.CORRE
P SPONDENT
SURPL
N
YORK
. EW US

,.CAPITAL

Continental
National
Bank
.3$50,000

.
Patton
E.
A.

200,000
150,000
.
Gearhart
R.
Bonham
John
N.
Logan
50,000
100,000
.
Downing
R.
Joseph

2,000

Brock
J.
John

105,000

100,000

Reardon
M.
E.

50,000

Clark
.David

McKean
,
Bank
Centre
Duke

East
Brady
Bank
National
Easton
.Northampton
Easton
...
Bank
National
.First

66
66

Ebensburg
Edenburg
Edinboro
..

.
Robbins
0.
H.

..Clarion
Brady
.LBank
)(East
.W.imited
Pollock
.
.J.
Hill
W.
N.
John
Jacobs
,MAlderfer
EastGreenville
.Michael
Bank
National
Perkiomen
ontgomery
William
Hackett
,Jr
...
William
Hackett
..
Gwinner
F.
John
McEvers
Forman
..
William
Hutter
H.
..
Lawall
.B.C..yrus
Nat
Co.
ank
Northampton
,Suck
BCambria
&
Johnston
L.
R.
hoemaker

100,000
500,000
400,000
134,000

National
Bank
.First
Tirard
&
Importers
.G'N60,000
.Bk
Bank
National
raders
.
Bank
National
Centennial
.
.
Bank
National
Central

NBank
|Park
37,000
ational

B
Philadelphia
. ank
Nat
,L..anier
CWinslow
&
o
National
First
.2,500
Bank

Drexel
C&o.

City
PN.Bk.
ittsburgh
.,Iron
Bank
National
.Third
National
First
.Bank
.Bank
Bank
National
Union
100,000
America
North
.of
.Girard
Bank
|MNational
.'E80,000
Bk
N.
erchants
xchange
'Nat
Manufacturers
.B
k

20,000

National
Bank
Park

ownsend
THaven
ittsburgh
De
P.&
,City
Bk
Savings

,
Buck
W.
A.

Clarion
Knox
.)(See

Edinboro
Savings
Erie l
Bank
Twitchel
W.
E.
CElderton
&
o.
Ralston
John
.Armstrong
....
,LElizabethtown
...
'Bancaster
Farmers
..
ank

Temple
A.
F.

5,000

National
.
Bank
Ninth
1,000

Ralston
M.
W.
Samuel
Eby

20,500
25,000

.
Bank
National
First
5,000

Co.
&
J.
Parkhurst
Tioga

Elkland

..| mlenton
Bank
EVenango

Emlenton

..
Bank
National
First

Bank
National
Second

Bennett
James

C.
Spencer
J.

Scott
L.
W.

W.
.James
1Rowland
00,000
Schlaudecker
G.
r
1.,JF.
50,000
Bank
Savings
County
Erie
Erie
Brabender
Adam
GE.
a68,360
Sav
Dime
Erie
Galbraith
A.
William
Co.
eorge
nd
.Loan
Barger
L.
J.
Sternber
g
150,000
.JReed
.ohn
GLloyd
Eliot
r
Institution
Savings
..,T:German
TSturgeon
.&
Dep
S.
Humboldt
Jarecki
Gustav
Co.
J.rust
Bank
..
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PENNSYLVANIA.
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.
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PENNSYLVANIA
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-Continued
.PENNSYLVANIA

.TOWN
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.
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BANKS AND BANKERS - PENNSYLVANIA .

Wood
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PRESIDENT
.

236

PITTSBURGH.
continued

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BANKS AND BANKERS - PENNSYLVANIA .

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Bank
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PRESIDENT
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239

.
continued
PENNSYLVANIA-

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BANKS AND BANKERS - PENNSYLVANIA .

.First
Bank
National
Washington
....
Washington

.
PRBSIDENT

240

continued
.
PENNSYLVANIA-

Haven
White
..
Bank
Savings
Haven
White
Luzerne
A.
Peters
F.
..
Hunlock
Andrew
Anthracite
Savings
Bank
Savings
.Thomas
Bank
and
Deposit
Long
.
Parrish
Charles
.
Law
S.
John
Flick
J.
.R.
.
Nesbitt
Abram
Bank
.Dorrance
National
Wyoming
.C.

Maguire
.S.
Rippard
A.
.J.
.
Voigt
Adolph
.
Smith
C.
Henry
David
P.
Ayars
.
Sterling
A.
..
Spalding
A.
-E.
Lathan
Jones
W.
..

12,500
40,000
150,000
375,000
150,000
250,000
450,000
150,000
Bank
Park
National

CBarker
&
Bros.
o.
.
Bank
National
Girard
'Eo.
CMerchants
&
Clark
W.
E.
N.Bk.
xchange
..Bk
Bank
National
Chase
12,000
'National
.Manufacturers
Nat
Bank
National
First
ank
P.B81,526
hiladelphia
EDrexel
Merchants
xchange
N.Bk.
' o.
C45,000
&
B.of
Nat
ank
Republic
the
Bank
National
Hanover
50,000
.National
Bank
National
Fourth
100,000
Girard
M.'&Bk
echanics’N.Bk
Traders
&
Importers
FN43,000
.armers
.
Bank
National
City
Seather
LNat
&
Bank
hoe
America
North
B
ank
.of

.
continued
PENNSYLVANIA-

.
COUNTY
AND
TOWN

Williamsburg
.Williamsport

.NAME
BANK
OF
Blair
.
Bank
Williamsburg
Bank
National
City
Lycoming
Bank
.First
National

.
PRESIDENT
.William
Jack
Holden
L.
H.
Updegraf
A.
f

CF.o.
&
Weed
R.
City
.)(ee
S.Allegheny
Allegheny
.
Bank
National
First
..York
Bradford
..
Bank
Bixby's

Wood's
Run
Wrightsville
..
Wyalusing
York
66

Bank
National
.First

Youngsvi
lle
.

..
Bank
National
York
Jacob
H.
.
Baer
Schall
unner
S,Dperry
.&
,Sarl
CWeiser
&
..
on

Barton
Evans
.Z.
Loucks
K.
Albert
..
Bank
National
Smyser
.Western
..D.
Bank
National
County
York
.
Williams
F.
.Hersh
Ed
G.

NEW
PAID
U- P
.
CAPITAL SURPLUS

2$7,000
Clark
John
.
Caldwell
C.
B.
100,000
...
Sloan
H.
W.
Lumberman's
National
Reading
.JSamuel
Bank
..G.
..ohn
Jones
.
Gleim
Charles
Watson
S.
W.
..
Bank
National
Williamsport
James
Sanderson
L.
.George
Lawson
S.
Perkins
H.
James
..
Inst'n
Savings
Williamsport
,Tr
Niemeyer
.Adolph
11,200
.
Crocker
J.

Co.
&
Drexel

.CBank
Bank
National
entral
Metropolitan
ark
at
.P.BFirst
Bks
NNat
ank
&
Exchange
$8C5,000
284,950
orn
.100,000
Bank
National
Philadelphia
Bank
National
Central
...
20,000
100,000
.
Third
Bank
National
Hanover
18,000
100,000
M.'&echanics'N.Bk
.Farmers
Bank
National
Chemical
145,000
100,000
.
America
North
of
Bank
..
Bank
National
Chemical
33,250
40,000

,Chi
Bk
N.
Western
.North
National
Bank
Hanover

..Bank
National
Bank
Republic
First
.
14,000
Bank
.Girard
National
Park
.
Bank
National
.
Bank
National
Girard
.First
Bank
Broadway
National
.
Bank
National
60,000
.......
|FRepublic
9,200
Bank
National
irst
.Bank
.of
Central
National
Bank
Commerce
60,000
..Western
National
Bk
Tradesmen's
100,000
.
National
Bank

..
Schenberger
150,000
.KGeo
V..
.ational
Keesey
'NK.
Farmers
.York
Bank
V.
J.
Giesey
.J.
Bastress
.E.
Lewis
Clay
.James
Schall
A.
Sprigg
H.
George

200,000
300,000
100,000
300,000
500,000

CORRESPONDENT
.PHILA

CORRESPONDENT
.YORK

8,500

,Bros.
CBarker
&
o.
.
Bank
National
Central
Savings
.Kinnear
Bank
Youngsville
HWarren
P.
.

Jackson
A.
John

20,000

BANKS AND BANKERS — PENNSYLVANIA .

..
Bank
Bubb
National
Lycoming
George
..West
Watson
0.
..
Bank
National
Branch

.
CASHIER

Bank
Chase
National
1,000

241

COUNTY
TOWN
.AND

.
BANK
OF
NAME

.
Bank
National
Coventry
Kent
...
Bank
Savings
Coventry
.National
Bank
AWashington
| shaway
.Bank
Savings
Ashaway

Anthony

66
Ashaway
66

First
..
Bank
National
National
Bank
Eagle

County
Bristol
Bristol
H.
.W
Bank
Savings
....
Spooner
Bristol
Institution
Savings
for
William
Taylor
R.
Lawless
James
Munro
B.
John

Kingston
Bank
..
Newport
National
Aquidneck
. ewport
N
National
.First
Bank
Island
Savings
Bank
.
Merchants
B
' ank

Bateman
Seth
Bank
..Nat
Island
Rhode
of
.W.
Clarke
A.

BOSTON
CORRESPONDENT
.

,Treas
Williams
B.
.E.
NLangworthy
...75,000
Geo
.
Bank
Park
National
9,000
,Tr
Langworthy
N.
.G.

Skinner
,TP.r
..
Martin
Bennett
.,Tr
Bennett
.Martin
J.
Watson
G.

.
Bank
National
First

Bank
F.18,700
National
| irst
.30,000
Bank
National
First

75,000
50,000

.
Cook
George

.
Bank
National
Maverick

125,000
Knowles
M.
S.
.,Treas
75,000
M.
S.
..
Knowles

25,000

..-PNational
Bank
Exchange
.rovidence
Greenville
Smith
150,000
HE.
enry
Winsor
William
Smithfield
Savings
Bank
Steere
S.r
Simon
Winsor
.,TWilliam
..
G.
Amos
.Nichols
Potter
B.
100,000
Joseph
.Hopkinton
Bank
Savings
HLanphear
.....
r
,Tarris
Potter
B.
.Joseph
.Nath
Bank
Savings
Kingston
C.ells
...
r
WPeckham
P
.,TThomas
B..National
'Wells
Landholders
105,000
.CP..ank
Nath
..Thomas
Peckham
.
Hopkins
T.
Charles
...
Coggeshall
Thomas
200,000
Bank
Savings
Coddington
.Mumford
Benj
...
Coggeshall
,TThomas
...
r
.Mumford
Benj
SeaburyMumford
T.
...
120,000
Jr
Caswell
...
,TPhilip
H.Norman
Stephen
..
Sherman
S.
A.
100,000
100,000
Peckham
P.
T.
Exchange
Bank
,JPNational
Caswell
hilip
.Stephen
..r.
Norman
H.
100,000
England
JCommercial
.New
Bk
Swan
C.
.N.
Underwood
..ames
75,000
Bank
National
Newport
Brownell
120,000
Stevens
.C.
HWilliam
enry
Rhode
Island
Union
Crandall
Bank
John
F.
..
George
Coggeshall
S.
...
173,700
Savings
Newport
of
Bank
Richard
Sherman
H.
Cornell
.T,W.
r

30,000
5,000

56,000
100,000
100,000

3,500
28,026
14,200

National
Bank
Redemption
.
Bank
National
Fourth
.
Bank
National
Suffolk

Park
|NBank
15,500
ational

Brovidence
Nat
.,PSecond
k

..
Bank
National
Fourth
19,300
Bank
Park
27,100
National

'Nat
Merchants
..,PB
rov
k
National
Redemption
.Bank
NEagle
.Bk
Bank
ational
Traders
.'N
.
&
Importers
80,000

Bank
National
First
10,000
Park
Bank
National
13,020

Bank
National
First

– RHODE ISLAND .

CORRESPONDENT
NEW
SURPLUS
.YORK

Bank
National
First
.WHope
Valley
ashington

-UPAID
P
CAPITAL
.

T.Co.
,PR.
rust
rov
.'N&
Hosp
I.
raders
.Bk.
$1E.
Importers
00,000
5,916
Williams
B.

.
Matteson
Asahel
,2..d
Potter
John
Champlin
S.
John
...
Oliver
Langworthy

Providence
Bank
National
Cumberland
..
Cook
Davis
Greenwich
East
Inst'n
Sav
for
Pence
W.
S.
Kent
Bank
National
Sweet
H.Greenwich
enry

CASHIER
.

BANKS AND BANKE
R

.
Bristol

66
66

PRESIDE
NT
.

242

.
ISLAND
RHODE

of
Bk
.National
Commerce
.N22,700
Bank
National
. ational
Boylston
'Bank
Merchants
Redemption
Bank
.National
.Bank
Bk
National
England
ew
.NManhattan
ompany
,National
Bank
Exchange
National
..
First
30,000
Redemption
Bank
.National
. First
Bank
Exchange
National
..
Bank
National

N.
SProvidence
(...
ee
).Pawtucket
North
Smithfield
Pascoag

North
Scituate
Providence
Scituate
National
Bank
Atwood
...
A.
George
BSlater
. ank
Nat
First
Smithfield
of
S.
.William
..
Bank
National
Pascoag
Fiske
T.
John
..
Bank
Savings
Pascoag
ames
J....
0.
Inman

Albert
..
Hubbard
Charles
Seagrave
S.
..
Cook
S.
James
T....
,r
Hawkins
O.
P.

.Suffolk
Bank
National
National
Redemption
Bank
.
National
Redemption
Bank

continued
.
ISLANDRHODE

.TOWN
AND
COUNTY
Providence

Pawtucket

.
BANK
OF
NAME
..
Bank
National
First

Bank
National
Pacific

66
66

Phenix

.Slater
Bank
National
.
Bank
National
Phenix
Bank
Savings
Phenix

Kent

NOSTON
SURPLUS
EW
BCORRESPONDENT
.YORK
..National
M.William
averick
1National
Park
$3Bank
Bank
00,000
.25,000
Park
H.

Arnold
Olney
.H.
Bank
Savings
Franklin
H.
Thomas
Moies
Charles
Charles
Savings
for
Instit’n
Pawtucket
Moies
.Bank
Sav
County
Providence
..
Littlefield
G.
D.
William
Sayles
F.
Ames
C.
William
.
Greene
R.
C.

TGeorge
., r
Newell
W.
Moies
Thomas
T.Thomas
,r
Moies
,Tr
Arnold
..O.

National
Bank
Redemption
.First
Bank
.National

200,000
.
Bank
Park
National

Maverick
National
.
Bank
National
Bank
Redemption
.
National
First
W.
Newell
66,000
300,000
.George
M4,000
.Henry
Bank
..
averick
.National
ExchangeNat.Bk
American
Brown
D.
100,000

Brown
..,Tr
D.
Henry

PROVIDENCE
.

.
STREET
97
Westminster
Weybosset
62
.
.
Weybosset
62
Building
6What
Cheer
.49
Weybosset
..
High
346
.
Weybosset
98
Weybosset
.21
Market
Square
.11
...
Main
North
54
Westminster
47
65
Westminster
Westminster
62
346
High
..

.Fifth
Bank
National
...
Bank
National
First

Bk
National
Canal
.WBlackstone
Ames
illiam
Butchers
D.B.
...
'B&rovers
ank
Knight
SBank
'Austin
Citizens
avings
.John
Barstow
C.
A.
.J.
Steere
Henry
Daniel
..
Bank
National
Commercial
Day
Mathewson
M.
.P.
Aldrich
W.
Nelson

.
Bank
National
Fourth
.Globe
Bank
National
Bank
.
Street
High

Chapman
B.
R.
...
Jackson
Benj
.A.
Austin
John

.
Bank
National
City
Bank
.
Savings
City

Bank
Jackson

Bank
Liberty

Francis
WCarpenter
.W.
illiam
Olney
Stone
M.
Charles
Zechariah
Chafee
.C.
Tourtellot
A.

Burrows
G.
C.

1,437,650
131,650
200,000

500,000
Oren
Westcott
150,000
.
Dana
C.
Newton
,Tr
Allen
.E.
.
Smith
A.
Edwin
500,000
K.r
Geo
,T
.Cranston
Arnold
G.
H.
1,000,000
.
Stillwell
G.
A.
300,000
.
Hunt
A.
Horatio
600,000

Allen
E.

Alfred
Anthony
Instituti
.CJackson
Sav
for
harles on
...
Boyd
A.
.Duty
Evans
Thomas
J.
Hill
..
Bank
National
Rock
Lime
'National
Manufacturers
Harkness
Thomas
Bank

Thomas
JBoyd
, r.
500,000
Salisbury
Theophilus300,000
120,000

Theodore
..B.
Talbot
Theodore
B.Talbot
.,Tr
R.
C.
Drowne
W.
J.
.Angell
Phillips
A.
..G.

Tremont
National
Bank
.
Bank
National
.150,000
Fourth
.5,434
Bank
National
Continental

Commerce
of
Bank
Exchange
National
.
.National
Bank
Park
..
Bank
National
Fourth

.Bank
National
Ninth
120,000

Merchandise
National
.
Bank
NMechanics
'20,500
ational
Bank.National
Redemption
.Bank
National
.National
Bank
Fourth
65,000
M.Bank
averick
| irst
.;FP97,000
ark
at
Commonwealth
NBk
Bk
N.
ank
.B
|National
93,000
National
Howard
Commerce
,of
Bank
National
.30,000
Bank
Gallatin
M. averick
National

NTI17,000
.Bk.
'&
mporters
| raders
Commerce
of
National
Atlantic
.7,600
Bank

344,450
121,150
250,000
500,000

.
Bank
National
First
National
Commerce
.Bank

Ninth
Bank
National
Bank
National
Hanover
18,000
Bank
National
|Union
223,000

Commonwealth
Bank
.Nat
National
Bank
.Redemption
243

.29
Weybosset
Weybosset
.29
Westminster
.62
Westminster
41
Westminster
26

..
Bank
National
American
Atlantic
Bank
America
of
Bank

BANKS AND BANKERS - RHODE ISLAND .

PAID
U- P
CAPITAL
,

CASHIER
.

.
PRESIDENT

.
STREET

.
BANK
OF
NAME
NMechanics
' ational
..
Bank
Bank
'Savings
Mechanics
'National
Merchants
...
Bank
SMerchants
' avings
Bank
..

.
Main
South
37
Weybosset
98
...
Westminster
14
.
Westminster
62

Weybosset
.21
Westminster
87
M..
1 arket
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W
Cheer
7 hat
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.
Main
South
76
.
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South
70

.56
Westminster
..
Westminster
65
Market
Square
.12
4W. estminster

Bank
Northern

.
Westminster
10
Weybosset
56
..
.
Westminster
55
E4 xchange

National
.Phenix
Bank

.Hospital
Is
Rhode
William
..
Co
Trust
Binney
National
Island
Rhode
Bank
Lippitt
Henry
..
.
George
H.
Charles
Bank
National
Williams
Roger

.
Westminster
41
Weybosset
45
..
Weybosset
53
..
Weybosset
52
..

.
Bank
National
Second

G.
A.
Utley
.

.Union
Bank
.
Bank
Westminster
National
.
Bank
Weybosset
BWChace
&
atson
, utts
Cranston
..
C.
Henry

E.Mead
&arle
Pearce
..
Henry
.
Weeden
R.
C.
,J&o.
CWilbour
ackson

William
Knight
,Tr
...

Importer
.N'&T200,000
Bk
Redempti
Bank
raders
ational
.
John
1,000,000
son
Vernon
W.
..
of
Commerce
Bank
National
Edward
Greene
A.
Foster
John
.....
Charles
Jackson
E.
...
James
Mumford
H.
Sampson
.F2d.
Chas
National
Exchange
Bank
..
Kendall
L.
Charles
Henry
Sheldon
H.
...
.Sullivan
Steere
J.
Henry
Fenner
,

.'N&
Bank
National
Maverick
.Bk.
raders
TImporters
217,900
.S200,000
Bank
National
uffolk
ExchangeNat.Bk
American
..
Bank
National
First
100,000
.North
Bank
National
,Hall
Bank
National
.Bk.
N''&T100,000
Faneuil
raders
Importers
.Shawmut
Bank
National
.Bk.
T33,511
'N&
mporters
|Iraders

1,709,200
1,000,000
500,000
500,000
225,00

500,000
Waterman
O.
John
Cranston
A.
Francis
...
..
150,000
Arthur
...
Kimball
M.
....
Greene
D.
Stephen
Albert
.Edward
Bank
Savings
People's
Howard
C.
..r
Greene
A.
.,T
Martin
E.
.Pearce
George
Edward
450,000
Samuel
Blodget
C.
..r
Goddard
William
Savings
for
Insti'n
,Providence
.T
500,000
Bank
National
Providence
...
Ham
W.
Benjamin
.
Goddard
William

National
Old
Bank
Pawtuxet
..
Bank

.Third
Bank
National
'National
.Traders
Bank

CORRESPONDENT
NOSTON
BSURPLUS
CORRESPONDENT
EW
.YORK

Drowne
Phettepl
S.
James
R.
.,TC.
r
ace

National
Bank
Eagle

.
Bank
State

PAID
U- P
CAPITAL
,
CNational
Bank
entral
570,000
|$1Samuel
00,000
.--Tingley
H.

..
Dexter
Lewis
A.
Barstow
C.
.
Taft
C.
Royal

America
Bank
Nat
North
.of
Metcalf
Jesse

,
Main
South
60
Weybosset
70
.
Market
Square
.27

CASHIER
.

.
Webb
A.
H.

National
.Bk
TBank
B'N50,000
lackstone
.
& raders
Importers
Bank
Nat
Leather
and
Shoe
Commerce
of
Bank
.National

.Bank
National
Fourth
260,000

;INational
America
Bk.of
..&T125,000
Bank
Exchange
r.N.B
mp
.B30,000
Commonweath
ank
.Nat
ExchangeNat.Bk
American
..S'&141,000
National
Bank
TImporters
tate
raders’N.Bk

600,000
499,950

National
.100,000
Bank
MNational
Fourth
. averick
Bank
’Exchange
NMerchants
Bk
.BN.
Commonwealth
at
ank
.
Bank
National
Maverick
A.
B.
N.
York
New
of
Bank
70,000
Commerce
.Bk
National
o'N&22,367
fraders
TImporters
.Bk.

illiam
.WJames
300,000
Kimball
M.
W.
Paine
....
.B.
Dean
77,225
Henry
OliverA.Washbur
,JH.
Charles
500,000 n
Childs
, r.
Edwint
Knigh
...
200,000

. oseph
Johnson
Russell
G.
JC.
Henry
th
.
Simons
W.
A.
Eli
Aylswor
...
..
Jillson
0.
...
Seagrave
A.
George

500,000
200,000
500,000

National
.
Bank
Blackstone
.
Revere
Bank
National
Metropolitan
241,000

H.
r.
5JSheldon
.,SC.
00,000
ec
Tabor
H.
S.
M.
E.
Torrey

BANKS AND BANKERS - RHODE ISLAND .

M..
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TEXAS

COUNTY
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66
66
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.
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.
continued
TEXAS-

250

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Marlin
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PRESIDENT
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.
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.
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BANKS AND BANKERS — TEXAS, UTAH .

Victoria
.

.
BANK
OF
NAME

252

.
continued
TEXAS-

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impson
awson
TNinth
B
.,SNat
Louis
t.
hird
k
Bank
National
,Souis
Sav.Bk.
.LBoatmen's
t

,Omaha
Bank
National
.First
Fo.
CWells
,S&
Fran
argo
an

.,MCramer
Bank
National
Co.
&
First
..
ilwaukee
Bank
National
First
.
.
Bank
National
First
Bank
National
Union
.
National
.First
Bank
,Fo.
CWells
,S&
Fran
an
argo
.ofan
,SBk
.California
Fran
.'&raders’N.Bk
Bank
National
ÇTImporters
ommercial
.Bk
Bank
National
First
.
'N&raders
TImporters
Lake
o.
argo
ells
alt
CFFran
W,S&
an
o.
.20,000
Wells

.
VERMONT

.TOWN
COUNTY
AND

.BANK
OF
NAME

.
PRESIDENT

.
CASHIER

-UP
PAID
CAPITAL

CORRESPONDENT
YORK
.NEW
SURPLUS
.
1,500
2$Blackwell
00,000
D.
.E.
Bank
National
Chase

N.
W.
Barre
Braley
of
Bank
National
Washington

Barre
Barton

H.
K.
Dewey
.Hiram
McLellan
Williams
Goodridge
J.H,TWindham
...r
Savings
F.
Solon
Instit'n
Falls
Bellows

Bank
National
Barton
Orleans

Bellows
Falls
Norton
...
Bk
P.
L.
Sav
County
Bennington

3,200
20,000
JWilliams
,J.H.
100,000
r.
Williams
Bellows
.J..Continental
Falls
.f
.oH.
Bk
National
Bank
100,000
1,000
Bank
National
Chase

.k
Cobb
A.
Nat
...BThatcher
County
CEllis
harles
Bennington
Bennington
T.George
,r
W.Harman

First
Bank
National
McDaniels
Thomas

66
Bethel
Bradford
Brandon

Bank
National
First

Brattleboro
Bank
National
Vermont
Bank
Savings
Vermont

Nelson
Gay
White
Bank
River
Windsor
National
.&
Gould
P.
A.
Co.
k
rust
B
TSav
|Bradford
Orange
Bank
Jennings
C.
National
Brandon
Rutland
N.
Sprague
T.
Windham
Bank
Savings
Brattleboro
Clarke
W.
R.
Bank
. arley
PStarr
National
People's
.P.
Wm
Cune

n
S.urlingtoen
M.
Pope
Savings
.|BChittend
Bank

Burlington
Bank
National
Howard

Barnes
Lawrence

V.
Noyes
.P.

Castleton
Chelsea
Danville
Line
Derby
Haven
Fair

125,000
18,000

National
Bank
Park
ank
B.First
Nationa

..
Bank
National
First
-Orange
.
Bank
National
Allen
Rutland
.First
Bank
National

Bank
National
Castleton
Rutland
Sherman
S.
C.
Elihu
Hyde
.
SCaledoni
amuel aa
.Caledoni
Bank
National
Ingalls
National
Bank
Derby
of
Line
Orleans
Foster
T.
A.
.
Allen
C.
Ira
Ellis
C.
Z.
CNoyes
Lamoille
Barlos
Nat
County
.Lamoille
S.
ank
Savings
.Jamaica
Windham
Waterman
EBank
L.
.

.
Bank
National
River
West

Bank
..
First
National
Washington

50,000
150,000
100,000
150,000
50,000
100,000
150,000
70,000
75,000
106,000
75,000
200,000
250,000
360,000
50,000

.
Bank
National
Maverick

.Nat
Commonwealth
Bank
.Bank
National
First
.
Redemption
Bank
National
National
Redemption
.Bank

..
C&o
Vermilye
Bank
Park
National

.North
Bank
National
.
Redemption
Bank
National
Leather
.Fide
Bk
National
&
NHickok
ational
Redemption
Bank
.National
500,000
|FBank
100,000
Bank
ourth
W.
C.
..
'NWoodhouse
.Merchants
ational
P.
Henry
.Maverick
Bank
National
Gallatin

.
Bank
Park
National

National
First
10,000
..Bank

..Bk
Bank
National
avericks
MNTImporter
'&.raders
.Bank
National
Blackstone
.
Redemption
Bank
National
NTNat.Bank
,,..B'&roy
UImporters
nited
k.Y.
raders'N
B
Nat
,N.TFirst
Y.
roy
.k
20,000
Bank
National
Fourth
.
Bank
National
First
25,300
National
Continental

10,260
24,000
36,000

1,500
Eliot
5,000
.'BBank
ank
Citizens
National
.Bank
National
Blackstone

11,000

and
Leather
hoe
.S13,100
NBank
| at
Bank
Park
National
81,000

.
Redemption
Bank
National
Redemption
Bank
National
T121,000
'N&. raders
.Bk
Importers
.130,000
Revere
Bank
National
Metropolitan
.
Bank
National
Maverick
253

Bank
National
Caledonia
...
Lyndon
of
Chase
Henry
.AJ.ndrew
Bank
National
Battenkill
.Bennington
Gray
.JAddison
Middlebury
of
Bank
National
Stewart
W.
ohn
John
Page
A.
..
Bank
James
National
Montpeli
Langdon
R.
er
...
Heaton
W.
Homer
TMontpel'
&
Sav.Bk.
Co.
rust r

.
Cole
D.
M.
.
Clark
C.
John
Mattocks
B.
.J.
Foster
Stephen
.
Allen
R.
Charles
Phelps
H.
E.
Albert
Noyes
L.
,Tr
Robinson
C.
.J.
Butler
.
A.
John
Pearl
M.
Hiram
P.
.
Black
William
John
Wellington
G.
..
James
Houghton
C.
Reed
A.
Charles
Ferrin
W.
Albert

Redemption
Bank
.National
.
Maverick
Bank
National

.and
Bank
Leather
ide
HNational
at
.NBank
Continental
5,000
100,000
. 150,000
Bank
NNational
.Bk.
'&
TRevere
raders
Importers
100,000

.
Lavell
E.
J.

Park
Hyde
Jamaica
.
Lyndon
Manchester
Middlebury
Montpelier
66
66

Holden
P.
.F.
50,000
,Tr
Hale
F.
.L.
Frank
Briggs
E.
200,000
C.
H.
150,000
Copeland
100,000
..
Wyman
W.
.,TC.
r
Faulkner
A.
W.
G.
Dowley
S.
Cabot
F.
.,TN.
Frederick
Holbrook
..r
Ward
F.r
.,TC.
1,TC.
00,000
Woodhouse
W.
r
HP.
M5,00
&
.Farmers
Sav.Ins
enry
echanics
Hickok
300,000
Charles
Sumner
A.

110,000
Graves
F.
George
Graves
R.
Luther
Bank
National
Central
..Kountze
Bros
Bank
Park
National

Redemption
Bank
.National
.
Bank
National
Blackstone

BANKS AND BANKERS - VERMONT

Bennington
..

150,000

.
CORRESPONDENT
BOSTON

.TOWN
COUNTY
AND
.
Newfane
Newport

Orleans

BANK
OF
.NAME

PRESIDENT
.

National
Bank
of
Newport
Robinson
L.
Bank
National
First
Benningt
N.
on..BenningtonT.
Park
W.

.
CASHIER

Davidson
SWindham
Bk
Savings
County
2Windham
Winslow
dam'i
.r
.,TMD.
Robt
Wright
.J.
Hall
B.
S.
National
.G,JANorthfield
Bank
Northfield
CNichols
has
Washington
Edgerton
r..eorge
Northfield
Savings
.Bank
M.
GFisk
Thayer
J.eorge
B.
,TC.
r

66
Addison
.
Bank
National
First

National
Baxter
Rutland
Bank

Hammond
L.
John
Hill
S.
|National
,Windeor
Bank
River
Black
George
Franklin
Powell
E.
Richford
Savings
Bank
.H.
NWindsor
ational
| rosby
of
Bank
.CRoyalton
Miller
Baxter
Henry
H.
.B.
Rutland
of
Bank
National
John
Page
.W.m
Bk
National
County
.YRutland
Ripley
W.
Rutland
Savings
.Field
Bank
,V-PMWr.m

SURPLUS
YORK
.NEW
,CORRESPONDENT

00,000
8$$1,000
500,000
200,000
20,000

Bush
E.
C.

100,000
Whitcomb
W.
Charles
50,000
Carpenter
P.r
.,TS.
Kenney
W.
A.
100,000
Bottum
George
R.
300,000
Rowell
W.
Sidney
500,000
F.
Field
Henry
200,000
,Tr
Kellogg
..Newton

Sons
&
Clement

66
CE
66
Swanton

.West
Fairlee
West
Randolph
Windsor

Springfield
.Windsor
National
First
Bank
Woolson
Amasa
.
Bank
Savings
Springfield
Charles
Forbush
.A.
ranklin
.FFirst
Albans
St.
Bank
National
Edward
Sowles
A.
..
Brainerd
Trust
Albans
St.
Lawrence
....
Co
Bank
National
Vermont
Barlow
B.
St.
Johnsbury
Bank
National
.
Poland
P.
Luke
.First
Caledonia
NMerchants
.' ational
Bank
Fletcher
Frederick
.
Bank
Savings
Passumpsic
..
Hall
Emerson
Franklin
..|National
Bank
Union
.
Sowles
Albert
Vergennes
'NAddison
.Farmers
Bank
ational
Walter
Scranton
...
National
Bank
Vergenn
of
es
Stevens
T.
C.
Paul
Dillingham
Waterbu
...
Bank
National
Washingry
..
ry
ton
W.
H.
Cummings
Bank
National
Orange
..
Newbury
of
River
Wells
Savings
Fairlee
Smith
.West
Bank
Ely
..
National
Bank
Randolph
DuBois
H.
William
..
Wilmington
Windham
Savings
Bank
.
Ballou
F.
Hosea
.Windsor
Bank
National
Ascutney
Hiram
Harlow
Alfred
Savings
Windsor
Hall
Bank
Winooski
Chittenden
.
Winooski
..
Weston
H.
Sidney
Savings
Bank
..
W

Full text of Rand McNally Bankers Directory : July 1880

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