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P. There will“be~no “prayer mi at the Presbyterian church this eve— ning as Rev. 8. E. P. White has been called out of town, * * T Money to loan. V. L. Ellis, Pr@yer meeting of the First Meth- odist” Episcopal church will be held " this evening at the home of Mra. H. ‘ Kometz of St. A. Whithey,” 907 Irvine Ave., at 8 o’clock. Economy ‘and a bank account. That sounds like success. It .is suc- cess if the account is earning 4 per cent Interest for you at the:Northern National Bank. Lost—String of Roman gold béads. Sunday, April 30. Return to O’Leary- Bowser Co. Reward. - * The Samaritans will hold their reguldr meeting tonight in ~ the I 0. 0. F. hall at 8 o’clock. After the business of the evening. a social session will be held. There will be dancing and a lunch will be served. 250 large geraniums for the yard. Ready to bloom. $2.50 per dozen. At the Greenhouse, phone 166. Monday morning at 9 o’clock at St. PhiJlip’s Catholic church in this city occurred the marriage of James McManus of Bemidji to Miss Lina Cloud, Rev. Father O’'Dwyer officiating. Mr. McManus is a nurse at the hospital here and Mrs. MecManus formerly there, A middle aged Christian man wants to make the acquaintance of a Lady between 25-35. For particu- lars address A. B. Box 541, Bemidji, Minn. Yesterday afternoon Vera Demp- sey entertained six of her friends in honor of the eighth anniversary of her birth. Games were played ‘and at six o’clock a lunch was served. The guests included Verna Barker,' Margaret Klein, Floreénce and Doro- thy Danaher, Deloris Barnell and Vera Cutter. J. M. Howell, a popular druggist of Greensburg, Ky., says, “We use Chamberlain’s Cough Remedy in our own household and know It is ex- cellent.”” For sale by Barker's Drug Store. PPVPPVPOOOCORO® @ PERSONALS @ POOOOOOPROOOP®OGOO George Hammery, of Gonvick, was In Bemidji today. Dr. C. J. Koch of Blackduck, was in Bemidji yesterday. C. A. Bilbin of Walker, was a Be- midji visitor yesterday. J. W. Naugle left last evening on a two weeks' trip to Duluth: Mrs. O. E. Bailey entertained a few friends at cards last evening. James Wild of Bagley, was a busi- ness visitor in the city this morning. George W. Argue of Park Rapids, was a Bemidji business visitor yester- day. Dr. Einer Johnson, left for Walker this morning, where he had been called on professional business. County Commissioner Fellows re- turned from Tenstrike this morning, where he had gone last evening. Mrs. H. A. Scharf'left this morn- ing for Tipton, Iowa where she will be the guest of relatives for two weeks. H. M. Clark, who is in the cedar business in this city, left for' Guthrie this morning, where he has business interests. Harry Todd, of Walker, assistant county surveyor of Cass County was in Bemidji on his way home, from Cass Lake. Miss Lillian Barrette left this morning for Ranier after having . spent the past few days the guest of her sisters. M. 0. Madson left this morning for Walker on a business mission. Mr. Madson will return to Bemidji this evening. Mrs. T.'E. Shore left yesterday for her home at Cupar, Sask., after épandlng a week with her sister, Mrs. James Fullerton. John Buck of Crookston arrived in Bemidji yesterday noon, and gave & |j dialect reading at the Norwegian celebration.last evening. Chester Stebbins, a Crookston law- yer, returned to his:home this morn- ing, after. having spent several days in Bemidji on legal business. E. N. French and J. Mead cams in worked | mg to attend tie: Mmmc‘hmun' R.’E. Fisher, chier operator at the Minnegota <& lntétnnflonl railroad [* depot,” has returned from" Fargo, ‘where he hu spentgeveraldays the guest of frlends.: Frank Meyst of Minneapolis, man- ager of the: Western Newspaper! Union, was in the city today. While' here Mr. Meyst waa the ~‘guest of Judge C. W. Stanton. 4 J. A. Wessell, a mamher of the St. Paul firm of Wessell Brothers, was' in the city this' morning, attending! to business matters. Mr. Wessell is!}’ a member of the state game and fish/ commission. ¥ ! Sick headache results from a dis- |, ordered condition ‘of * the . stomach, and can be cured by the use of Chamberlain’s Stomach ~and Liver Tablets. Try it. For sale by Bark- er's Drug Store. 0000009000060 © ‘BEMIDJI MARKET PRICES POOPOP0O9POOOPOS® Butter (Dairy).............$ .26 BEES ot B Potatoes . 1.00 Onion8 ............ 2.00 Cabbage .......... .06 Turnips . .60 Beets ..coovvvciinimomenee .02 Poultry . e . .15 ‘Wheat .. . « 1.00 0at8 ...cvtwnnn wew.e 40 Young Man Wanted. This office can use a good strong boy between the age of 16 and 20. One who is willing to work and learn the printing business. Call at this office. Now is the time to get rid of your rheumatism. You will find- Cham- berlain’s Liniment wonderfully ef- fective. One application will con- vince you of its merits. Try it. For sale by Barker’'s Drug Store. Sweetness That Never Palls. During a sleepless night the Vizier Mujjeduddin Kumija dispatched his slave, Bedruddin Ejas, to bring him sweets. The slave procured a copper kettle heaped with many kinds of fruits and sweets, and Mujjeduddin | began to eat. “You relish them, my master?” asked the slave, The vizier shrugged his shoulders. “These. fruits are sweet—for the mo- ment,” he sald, “but show. me a_frult the sweetness of .which will endure even unto the judgment day.” “Such fruits there are, my master,” cried the slave and hastened.tosward the Mesched Husa, where he awoke the starving orpbans in the house of |, Allwin and .led them forth ‘into-the room of his master. Qverjoyed, ;the famished children devoured the fruits. “Look, oh, my master,” said the|, slave. ‘“Here you see frults the sweet- ness of which endures unto the judg- ment da; Two Little Bills. Robert was in the habit of expecting reward for every little service. At the end of the week he made .Ql'lt a “bill” to his mother and carefully laid it { grom Hayre with a large fleet, only to. where her eyes would fall upon it. The items. were as follows: . “Mother, Owes.to Robgrt. “Five cents for running errands. “Five cents for being good.” That evening there appeared. beside Robert's plate a paper, upon which was written: “Robert owes mother, for years of happiness, nothing: for. nursing him through loug illuesses, nothing; for do- ing goqd te him, nothing." Thoroughly ashamed ‘of himselt, Robert ran to mother, threw his arms around her and sobbed: “Mother, I will. do everythlnx I can for you after this, and I'll never ask you to give me anything but just love."—Omaha World-Herald., Easy to “So,” sald his girl's plpa furiously, “you think you could make my little girl Arethusa happy?”’ The young man considered his nra- spective pa-in-law, who had gout and a face like a fire engine and an eighty horsepower temper. | “She's been happy with you, sir, hasn’t.she?” the young man asked. “I think so, my boy—I think go,” re- iplied his 's_papa; “I certainly think so. I think so certainly. T'm certain I think g80.” 8 “Well,” chimed .in the young man sweetly, “if she’s been happy, with you I certainly, think T can make her happy. I think so. I think so cer- tainly, I'm certain I 'think so.” Sleepwalking., Somnambulism has. been a mystery and a matter of dlscuaslun to the med- cal profession since the days of the anclents, They knew as well as, we all now know' that there is such thing'as somnambulism, or walking in the sleep. They attempted to explain it just as modern medical science has been endeavoring to. explain it ever since, But asjt was then so it is now. There are 80 many expl’nqdnns that t anidml Prnliewmnwhw I Madero, Jr.,« and-his cabiner-guth- | .ered.- to,farmulate & final peace wgree- ment .which s to::heaaubniitted by telegraphvby?Judge: Carbajdiste Preti- dent Diaz.and his..cabinetizrits wany A change .in: the-precedurs:of the negotiations.. has. been -Madés but ‘4t | will: hasten..rrather —~than: delay:-the restoration of .peace. in--Mexites At firat it was thought that-bs soon a¥ an agresment . was. reached:-on:-the “prin- <cipal basals, the naming of thrée ‘cab- imet. portfolios and: fourtesn ‘governor- Ships, an {mmediate:armistice~or- the entire.country:would be preclatrmed.© Dhere- s practicatly’ o’ mutual we- ceptance: now:of the' \prinvipal- points, but-instend: of-a”point: by-point ratif- cation’it has’ been decilled to have the Tebels submit thelr’ ‘program’1n full for blanket rauflcnuon by the gov- ernment. Ratification” Expacted. Shertly. —= ! “Phe ratificationzewll" ba “colmcrant ‘with the announcement of an armis tice.. -The ll‘nlufl lanuaul of the Judge GII’WI] »mnd» the ‘representa: tive or; representatives .whom-the:1n- surrectoé may name, will' end —the | armistice “and a normal condition of | Peace will be recognized as existent..| The'insurrecto chiets here will tele- graph or send courfers to their com stituents ‘in various parts of the re: public and 1t {8 believed that within & week all.arms will have been laid down in the republic. ¥ One of the things which may cause fome " delay in the ‘signing of the peace agreement, ‘but which will not | affect the resumption of nérmal cou- ditions as “soon’ as the armistics is agreed ‘upon; will be the maming of the provisional governors of. the four- teen states. The insurrectos already |are ‘endeavoring ‘to get in touch with select the most capable men.for gov- ernors, SAYS OOUNTRYNEEDS CHANGE Mexican Doolnr s People W-n! Evclu- tion; ‘Not~Revetution. 7 ‘New York, May 18~Jose Castello, three times president of the Mexican' from Furope: to Mexico:City. -He is confident that. conditions- in-: Mexico will-geon: right .themselves.: i« oL “The present situation;* he declared, The Mexican« people - want evolution; not revolution. . The ministry of the 'country s too old -and ‘out of’ plumb with the: youn;-r nd prolrmivt ele- ment -t ¢ 8 *“T “have lrequently ulvlud Presi- dent Diaz to adopt reforms. -His- an: sWer always ‘was ‘manana’ He has made himself the greatest man of the century, but he would have won still’| greater glory 1f he had stepped down t0'let a younger man assume qontrol e ST e - i Fodor-lc Prepared to Flght. Hagle Pass; Tox. ‘May: 18.—Rel itorced : by +100- “federal ‘cavairymen; who came:in during the night, the fed: | leral garrison-at:Cuidad ~Porfirio- Diaz, ‘aoross: the -river ‘ from - thig-city,’ is iprepared to-fight if' the two bands of ‘Tebels reported - within- twelve - miles of the town attack them. Refugees are streaming into -Eagle. Pass until now there are 2,000 of them there. Gy Cartographio Curiosity, Oithétine de’, Medici once entertained 'the amblition of acquiring both North and ‘South .America as appendages to. 'her crown, .and _with that .object .in 'vlew she dispatched .a_couple .of her representatives to the.scene of opera- tions. The northern section.of the en- terprise, was_committed, to_ the. charge. of the queen’s- fayorite, Troilus. de. ‘Mesgonesz, who wag adorned. with the. title_of yiceroy of France and salled; be wrecked in.the. Atlanticc Another| favorite, Stroszl, was comimissioned-io, public opinion in"the distant states to | senate, i3 -in . New.: York on his way || is the result -of..a.political- necessity: | ' capture,_Sonth America, :but, he. . Wa no more fortunate.than, Mesgonez, for. he was Kkilled at the ;Azores:... These happenings, however, took a long, time, to. reach,the:gars, of Queen Catherine; dreams and.prepared,.a; map on which “the . new: warld; of. the north’’.and.‘the \new world of the south” figured: as;| ccolonies of France, This cartographic curiosity 1s among-the map treasures «of .the Natlonal library in.Paris. ] DOCTOR'S PRESCRIPTION: FAILED---THE GREAT KIDNEY REMEDY PROVES ™ - 1 . Dr. Kilmer’s Swamp-! the patent medicines, that is better than many of the prescriptions pre- cribed by doctors at least it has done ore good for back-ache and kidney trouble than .any other.medicine. .1 to my friends as I know.it.can’t,be beat. 1 had a severe backache sometime doetors’ medicine: I am glad to say however that Swamp-Root cured me in a few weeks. time.; ; So certain am I that Dr. Kilmer’s Swamp-Root. is _a medicine of merit that I send, you. this testimonial which you can use any time. ... Yours very. truly JACOB DORNACHER, Edwardsville, 11} Subscribed and sworn to before me ths 14th day of July, A. D. 1909. Samuel W. MecKittrick, i Notary Public. Prove ‘What Swamp-Root = Will - For You. .. i Semi to Dr. Kilmer & Co. Bing- hamton, N..Y., for a sample bottle. It know .of and I always recommend :1t.f ago, which could not be cured by the |- Do | M lwill conyince .anyone, You will also|a receive ‘a booklet of valuable inform- ation, - telling “allabout the kiuneys | even the phyaician 1a pizzled to declde (@ which to sccept... . o e t‘nd bladder. . Wheniwriting, be sure and, mg;mn e &omtdjnmuy Plo. i been: “Blarting: the - ‘unperturbed, “this own car," | —New York ’l‘lfiec th home wherever she “Well 1 saw mrm 4 plate yester- day whete she’ seemod ‘decidedly Test: - P “That Mrs, Gosalp lee‘:l.l to be at: 't say? Where, nthnt?" “At home, "&Gatholl Standard and Gushing Lud.v—l hear:;you've been 5 away for your health, professor. steal ‘Lion::Yes!" ' F've heen ‘at Marfen. 9ad taking the baths: ‘Gushing Lady— Really! That muat have-been a change for you!—London cr What's the' Answer? th The inevitable kid and his question: “Papa, who furnishes the meat for the train, ‘the ‘cow- catehieror ‘the- train It of butcher?’—Santa Fe Employees’ Mag: azine. th ar 5 of © The Club. An oxcllulvo dining society in Lon- {don 1s the-one bearing the: arrogaunt ! title the Club, which: since its foun- dation. has: been limited fo thirty-five 'members. : Johnson, Burke, Reynolds |' and .Goldsmith: were among: the orig- fee inal members, . Garrick and Boawell (' Joined in 1773 and Gibbon and ‘Fox in 1774. Of the eighteen premiers in |the nineteenth:. century™ nine were | members of the club, -Fox, Liverpool, Canning, Russell, Aberdeen, Gladstone, 'Sallsbury,:-Lord. -Rosebery -and Mr, i Balfour.—London Spectator. ithi The Orator’s Fate. “Some . orators,” said- Senator Sor- (num reflectively, “make me think of 'our parrot.” “The one whnu head you ehnppod off?” 1 t “Yes. He hnd to take ull the blame \for. what somebody else insisted on hls llylnn. —annzton Qtar. T A R S TRhoumatism Gomes . | From Bad Kidneys Wt ung m— Once Your xxdnoyc Work Properly, Rheumatism, Kidney Disease: and Bladder Trouble: Disappear. - How - To Cure -Yourself.-- -~ ~- It is no longer. necessary -to‘ spend months and months, undergoing a .coms licated treatment for rheumatism, ldney or-bladder-trouble; or spend-a- Good muny dollars :n dectors’ bl;lu b8 sab- PSR Ay R e A By Imazyel y‘ h’l‘here kl-hnuld l;i ?‘u mor’e‘ doubt ;baut e rapid cu cheu m;.no gears ‘of the fatal termi nmo'r?'ot.tr'eacherou- kidney disease or dropay. Rhe:’llm 4m 'men 8-nothing more nor an.that your. kidneys. domot work.__properly. ,'!our blood . pa: through the kidneys hundreds of tim a day to be-filtered and purified, When the kidneys are we#k; the poisons aré not taken: aut .of the:blood as they should be. This leads to varlous dis- eases, -such as ' rheumatism, terrible Bright's--disease, dh.beta- dropsy “and 1![11,“1:}1 fri Tadison Square Garde) oritd :has. ev. farmers: than: we. show. will Gorman Mu. | erati Deonle Work for Smoll -wekos n" York City: DPDanun ties of the Northwest. « - + [ East will all exhibit-and show thelr best grains, fruits and other farm producta; class’of: these immigrants; and of the -means to buy fatms but do not under- stand the nosslbllltles of the - Greaf Northwest, instead of the others. are extremely valuable and are well || worth “while. Railway, oflerq a §1,000 prize c\lD five ican Land and Irrigation Dxposltlon, farmer - in" the - United ‘States stands a igood.chance to win this $1,000 cu ;Would be a great honor and'a wonderful advertisement to -this - locality if this ‘cup - were. won by one of the readers of. ‘always been ready to cn~opera(g with «any sincere effort to make the North- ‘west and the Northwestern farmer more prosperous, 0 morning: D! Novnmhur and “ending the evening of =N /there will- balone b! thé bl it land. sh R In gar at itheiwo lcnn Land an: eW Yor] entry iv pyer N D! u.—e, mflllo yeal ‘Most. of are hrmen—-—snme 0! th'fl‘n‘ 11“5 Mt(@\‘ - are. - get molt of fl:eaa ar -wo “back to the land. 5 Cf 0. mave out < farms, and-either buy lanc “ 3 the means; or work for the] Awkwardly. Expresead. farmera untfl ‘t] h aVE orthwestern | they get sufficient mone purchase. nrms “of ‘their own, 'as ‘thi 8-and. Scandinavians’ did —at 0dd Fellow' hall, 402 Beltraml Ave. 2 0. B. ‘Bemidfi Lodge No. 1052, ‘Regular meeting nights— . first~and ‘third " Thursdays, 18 0'clock—at Masonic: hall, 1 geltmml Ave, and Fifth C.0.» Regular meeting night . ,every Second and Fourth Sunday evening, at 8 o'clock in basement. of * ‘Catholic church. Instead ‘of'dotng. thl! ‘ge!;g owded; - congested - centers like l\' Tlmy do. not know about “the readers of this paper a nfl(ez} to ‘do s to compete ‘for the'valus able many prizes offered.- Canada, the South, J. Hill prize or one of. the other e “Southwest, North, Northwest: Ih& Do . DEGREE OF HONOR. * Meeting nights . every v second and fourth Monday evenings, at Oda Fellows ‘ Hall, is very necessary: that the Northwes! should make a showing better than thad any other section,: 56 that the bette# ousands of native Americans, In and ound New York City, who have the F. 0. E Regular meeting nights .every Wednesday evening ' at 8 o'clock. Eagles hall, Will - come_ to our section, Then the prizes ] J. Hill Prize Cup James J. Hill, Chairman of the Boi Directors the Great Northérn t higiena -elaborately engrav G. A R Regular meetings—First " and third Saturday after- noons, at 2:30—at Odd Fel- Poilows Hall, 402 Beltrami Ave. The conditions are easy, and any R 3 I.“II'IM write to B, C. Leedy, It “Bemidji Lodge No, 119 Regular meeting nights —every Friday, 8 o'clock at Odd Fellows Hall, 402 Beltrami. 13 paper—if it were won by you. tlon Agent of the 3 Northern Railway o t. Paul, Mhme!oml © editor that he will he Elm‘l £07Bend - this leafict &nd sny. other: formation desired to any reader of this They- have issued a hand- | paper. The Great has L O. O. F. Camp No. 24. Regular meeting every second wednesdnys at 8 and fourth Regular nights—first _and . Rebecca Ludge. meeting > -Going to see your girl to-night? , Sm1ths Chocolate Dreams - Going to stop an argument with your wife? . Smith's Chocolate Dreams Lodge No. 168. meeting nights— every Tuesday evening at 8 o'clock—at the Eagles' Hall, 3 Thlrdfstreet. LADIES OF THE MAC- CABEES. Regular meeting night last Wednesday evening in each month, Gomg to square yourself with the policeman? MABONIC A Box Roi Tan Cigars - Going to win over the whole family? ., You know, " Our Perfect sodg;;ser'vicé A, T. & A. M, Bemidji, 233, Regular meeting X7 nights—first and third Wednesdays, 8 o'clock—at Masonic Hall, Beltrami Ave., and Fifth St. Bemidji Chapter No. 170, R.‘A. M. Stated convoca- tlons—first and third Mon- days, 8 o'clock p. m.—at Masonic - Hall, : Beltrami Ave., and Fifth St. bladder. tro _The new gmumeea treatmlnt D Eerby- Kidaey. Pllls, ,, One day's-:use f them will prove their remarkable T. Ridenour of Lima, ©hlo, When I feel bad.in my back, I . It you have rheumatism nnywhere, pains, cloudy, foul urine, pain: ‘bladd Bright’s disease- or dla: put. your.whole confidence in Dr, Kidney, Pills, and you:;will.not. tdney- Pills are sold at all drug ntoru—zfi» and 60 cents, or will send - them . direct.: from : the : laboratory. of Derby Medicine: Co., Baton' Rapids,’ Mich., prepaid if you wish. If you want to try them first, just tell-your drug- Elst to give you a free sample package. for ———————— T. BE DETTE Merchant Tailor - l-l‘m and Gents"'Shite t6/Ordér. French Dry : Cleaning, Pressing- and. i Specialty. . ¥ 315 Beltrami A and in the meantime,she nursed, her %:fl_fl— i F. M. MALZAHN REAL ESTATE' “URENTALS) *‘City Property and Farm : Lands ‘Listed and Sold, 407 Minnesota Aves: 7 “Bemidil; Minn |NOTICE OF_ "lPPLlCflTi‘GH | —tor— TRANSFER OF LIQUOR LIGENSE. 'STATE OF HINNEM }" County of Beltrami - City,of Bemldjl. Notice, Is_hereby. ‘given. 'l‘mt unnllcguon 28 been made in writing to the city council of said city of Bemidji'and filed ‘in'my office. praving fora trlnl!eflnlllu'zltflni:’ ots llllgense se] n icating lor the v,ah':‘tvmxhah: on .m}‘ sm.‘l‘fi? = the followiig, and at the toliowing aco; 48 staf | applicati - b flvély. tooetist B v AT i OHRIST OLSON av and In the tront rootn geduiid floor of thiat| ertain two story frame bullding located on, | ot 4 “block 1, original townslie Bemid, said xlnpllmtlm will ‘e heard alid deter mined by said clty Bem{dil at e councit: in glld ri“i’l.g'o& Hemldll. in Beltram!{ County. Mond 29tk |4 fl:y of May nfi:’n“g d‘m ook mey of, mfl':‘_nzr‘:?’ | bl nflm m-nfidu M Mdu'..e DEFECTIV '~ J, H. McFADZEAN Local Agent , Generll Agent C. & D. Line or Soo R. R., Great Northern R. R. Dululh Minn. . f M.&LR R Blkanah Commandery No. 30 K. T. Stated conclave—se- cond and fourth Fridays, 8 o'clock p. .m—at Masonic Temple, Beltrami Ave, and Fifth St. . O. E. S. Chapter No. 171. B Regular meeting nights— first and third Fridays, 8 o'clock—at Masonic Hall, geltrnmi Ave, and Fifth « 8t Operatmg the Ma lficent New Steel Steamship MINNESOTA :A 2000 mile, one week’s Lake Trip, leaving Duluth, Minn., M. B. A. Roosevelt, No, 1623. Reg- ar meeting nights every ond and fourth Thurs- *0ay evenings ai 8 o'clock 3 ¥:in.0dd Fellows Hall. every Tuesday, 10:30 p.m., to Chi icago, I, and Mxlwaukee, Wlsc., via Lake Supenor ‘and Lake Michigan, stopping at Intermediat Ports $36.00 ROUND TRIP-MEALS AND BERTH INCLUDED M. W. A. Bemidji Camp No. 5012, V' ‘Regular meeting nights— first and third Tuesdays af" ;8 o'clock at Odd Fellows hall, 402 Beltrami Ave. ‘l fast steel Freight and Passenger Steamers, semi-weekly- service between Chicago, Ilis., Milwaukee, Wis., Dulath, ' Minn.; and the Great Northwest. % Freight service effective April 15 to Dec. 1. > Passenger service effective June 16 to Oct 1.. Route your shipment via C & D Line and save 15 per cent on yuur Freight MODERN SAMARITANS “ ‘Regular meeting nights on the “First and Third Thurs- days in the I. O. O, F. Hall at 8 p. m. _ Bills. Enquire AT Be-an Artist in Photography: Get the best possible results out of your camera _ this FIEDTIAD 1 . year. . Do not be content with mediocre materials | and ordinary work, Improve the quality of your "pictures. . .. - You canmake more. artlstlc .photo= ., ' ‘graphs, with greater certainty under ~all conditlons, if you use TH E E PAGF Aesidence Phons 68 FUNERAL DIRECTOR s Real Estate SONS OF HERMAN. i“Meetings held second and fourth Sunday afternoon of "'edch ‘month at 205 Beltrami - Ave, OM SMART : """ DRAY AND TRANSFER : SAFE AND PIANO MOVING 818 Amorica Ave. Offico Phons 12 R. F. MURPHY, . . AND EMBALMER 13 Beltram!.Ave. . O v ‘Phone 319-2, Git‘y;.lnans .( ‘Insurance