Chicago Daily Tribune Newspaper, August 21, 1876, Page 7

1Tl CHICAGO TRIBUNL: MONDAY, ST. LOUIS. — {he Banking aninoas’ffl Con- ducted at the Other End of the Bridgo. A Most Remarkable Chaptor of Failures and Ras- cality. How TFourteon * Savings” TInstitutions “Tay Down” Within the Last Fow Years, tow the * Ten Per Cent Paid-Up”* Dodge Has Been Success= fully Worked. The Laboring Classes Bwindled Out of Millions of Hard-Earnsd Dollars, A Compendium of Advice for St. Louls Depositors. Specta) Correspondence of The Triduna 7. Louss, Aug, 18.—The efforts of your cor- respondent to let a little of the light of truthln npon the dark ways of 8t. Louls mecet with s response from the business men of the city very diferent from what micht be sipposed from the expressions of the newapapers. True, the Globe-Democrat Lakes to the thing quite kindly, and ncts 8 though it would enjoy nothing bet- ler than to take & hand In the same game, but the other papers aro irascible, and use a styleof Ianguago thut good people should never dircet toward a missionaryin a good cause. But the busincas men of 8t. Louls aro less sensitive and more practical. Tho other gay 1 mct a leading merchant, who wos on his way from a mews-depot where ho hod just pald 10 cents for a TripuNg supplement, “Sald he: ¢ Why foesn't Tum Tuinuns shake up our banking woundrels? We hove some of the best banks in the country in 8t. Louls, but we also have & lot of the very worst kind, The peoplo who suf- fer by these bank fallures are those who can least afford it. Merchants do not patronize them, but poor poople do, This thing s a cominon cursa to all communities, but it s worse hure than suywhers clse. I wish Tus Trinune would reach out for this thing just onee.” Upon inquiry, I became satisfled that no more instructive or useful clapter upon banking tould be written than the record of the bhanks of 8t. Louls that bave failed since the punie Iu these cnses there s presented overy feuture of weakness to which Dbanking institu- tlons ore subject. The record ds us pertinent In New York, Chicago, or 8an Fran- tlsco, 8 fu St. Louls, In every large clty’many millions of dollars are conlided almust blindly to the keeping of banks, by many thousands of people to whom the bankiig business is an fin- penetrable mysie Recent fallures have so shaken the conlldence of these peuple that @ very large amonnt of money bus been with- drawn from deposit, to the injury of dt parties comverned, ond to such an extent 28 to tlircuten very serious disaster to the sound imoneyed institutions of the coun- by It §3 very lmportant that this distrust sliould be checlied, but it can never be expected thot people gencrully wil muke & study of the mnkrngllx asiness in order that their confldence wuy e well-diregted, The same cnd nay be secomnplished by a sfnpler and more attrnctive methud. The record which is to fullow will auswer the purpose, It muy be styled A COMPENDIUM OF ADVIGE TO DEPOSITONS. or an Hlustrated key to unsafe bunking, and at the kame tiing, 1t Wil show incidentally that B, Louls containg morugllb-ml;."cu scoundrels aud more poor people who bhave been heartless- Iy ¥letimized, than any other city in the land. Banking hos alwaysbeen a fayorite occupntion tn 8t. Louls, beeause, I presume, it s respevt- uble and nllows a goud sharo of tine for sitting downa, . There s nothing clse a Southeruer enjoys B0 much us -~ belyg respectable sud” sltting down, There were st one time eighty banks in this city, there ars flity- twonow. This great number of banks is not due Lo any surpls of capital In St. Louls, nor to uny deinand for thetn on the part of the mer- cantlle community, The responsibility for thelr exlstence muy bu eharged “I“m the very loose and liberal Danking lawa of Missouri, which ufford no saleguard or protection lo the creditors of “n bunk and give to such an_ institution every opportunity to dupe and swiudle the people.” Any flve men who can serape together ubout $5,000 muy start s bank, Many of the banks here liave nevor had more than 10 vr 20 per cent of thelr canltul paid in. Iknow of u young clerk here who holds £5,000 of bank stock of which he was tho orlui- nal purchaser, and for which he paid only $500. e owns no other property, and s utterly lero- sponslble, yet that bank 18 dolng business now, and advertises a capitul of $100,000 The degree of contidence that these miserably weak banks manage to acquire Is simply aston- Ishing, #everal years ago, o bank waa orgoan- ized here, with a pajd-up capital of only $7,000, Alarger part of this sum was expended in fit- ing up the oflice, yet the conceru at one timo had more than' $,000 depositors, nud a very large lluc of deposits, IT LOANED $700,000 TO A Frity of which its Vice-President wus o moniber, and later it cashlor decamped after having stolen Z000. The confidence which Euupe ‘who work hard for thelr money put in a big it slzn with the word *“Banlk on it {s amazing beyond axlvruauhm, t has Leen a very common practice hero for banks to work upou the natlonal or ruliglous feclings of the people. Thus there have been Germun banks, Irish banks, Catholie banks, Jowish _bunks, und, In a more cove wiy, Methodlst ond Baptist bauks. Tho terrlble distress that has been visited upun thou.unids of fawllics {n Bt. Louls through the fuilure of banks, is qulte enough to teach tho lesson that a German ca tew security in a German ban| bunk may be the very worst piace for a Cutholio to select for the keeplng ol hls money; aud in genorul that the ba that appeal to religious or nutlounl sywpathics ure frauda, Banka havo been oricanized lore In this way: An awbltious teller after bcuumhx% woll ae- quaipted with the characterlstics of the wealthy pntrons of the bank, would select ong who had llh;{)l-y\:nl the weakoess of vxmn{ and et:utlum and would skilitully represent that he (the_sald wealthy patron) wis just the nwn fur u bank resldéut, By working upon the mon's vanivy, he toller © would soun obtaln - the wse of his name in cnn’l'lm; out the project of a new bank, 'lis ono matne would bu an sssurance to others, and, ater obtulning the use of it, thers would bo little trouble In gettlug subscriptions from would-be Directors, wmnounting n the aggre. Fuu toa lnrxiva capital, but really represent n‘: he payment of only from $7,000 to $20,000. A charfer would thew be procured, a great gilt ¥gn constructed, an oftlce furnished, sud there wounld be A YULL-OROWXN BANK, with threo or four dgure-hoads to Induce confl- 4 and a lively, ambitious, and speculative cashicr (the former teller) to handle the mouey that right come in. Bank atock s sold In & manner4hat cuta both rlu 0 dA ruplamlblls‘» lflullnaul lmm.u ‘h often nduced tq by, )y puyin; on per cent d%wn 4 with ptfm i assurance that he will nat be called upon for any further u?'mcm.' In case of fallure, such a buyer is held responsible for the debts of the bauk to the full awount of his stock, Aguin, stock s sold to any person wha can pay the' 10 per cent, 8o that {t frequently occurs that the persons Who are lable for the'balance dus on the stock :3!10& pay it, uud the Lunk's croditors have uo cdrees, A person 18 often let to place confidence In a bank, because ho knows the Directors to be firste tlass, responsible men. Nothlng can bes more allacious, as the buuk fallures’ in 8t Loule show, ‘I'lic Directors are generally mere hwuds, who kuow no more sbout’ths condition of thelr Lunks than s0 wmany strangers might know, The busluess i fntrusted tutlrely to the Cashier, who 18 often seleeted on wecount of !umliy ufluence, while the Dircetora ure altogether ornamental, Some of the best unames{n St. Louis huve figured o1 the Direetory of soma of thoe rottenest Lanks, When the fallure came they wmerely pleaded Ig- Borancs. The shiple record of the causes and cfrcume ces that led to tho LURE OF THOD FOUNTHEN BT. LOUI3 BANKS tlat bave gone uuder aluve the panic {3 solid ree wll.l|d|m[n!l of {ntorest to all persons who have any dealiuga with banka, These clreumatancos are ot peeuliar to 8. Louls, but the rascality in the bankl n‘( business wna on & fur more ex- aggerated @ hero than auywhere olse in the country, B, F. Allen's” Cook County Bank “was tho choleest Hlustration you had In Chicazo, bu there ure men ln BL. Lols who could tleona jrand bohind thu back and give Allen now lessona fn wild-cat hnnklniz. It was thought that Ir Holmes was }»relly {heral In making loana for his hank, hut ra woull be conslderesl A most conscryative hunker {n 8t. Louts, Winalow, of the old Scan- dinavian Bauk, escaped the vengeance of the law wud the wratch of his dupes by fight to some unknown land. 8t. Louls would have sent him to s Constitutional Convention, or retired him as one of the *'solld " wen of the city, They call 8t. Loulsa »low-rulng, old-fogy town, but " she has more convicted” sliarpers amonfz. ler business-meni more dlathond- decked women In her streci-cars, and more bankrupt fortune-hunters in her fashionable ao- clety, than any other large city in the country. There Is ouly one restraint. "Thatis lazinesa, It it were not for the oxcessive, all-abiding lnzi- ness of the Bouthern peoplo, 8t. Louls would Lo the flashicst city on the contlneat. ‘The nrat bank that succumbed after the panic was the Traders’, an inatitution which had been organlzed unluulvcly by Hebrews. It was de- signed ta be s grand financial combination, more rmmrm than any other in the ult.g. 1t wus to pify In the West tho money-making genlus of the raco of Rothschild, The scheme was in- auguratad In grand style with a capltal of $500,- . Only $150,000 was paid in, and in s short time it was desmed advisablo to Introducs Christian capital. ‘The grandeur of the Insti- tutlon gradually faded away, and aftor a career of seven years the doors were closed pever to :Fun n. A long ltstof fll-secared notes is 1 that nuw survives, Tho history of the FEOVLE'S SAVINGS INSTITUTION {s marked by fraud from ita very fnception. In 1850, certain business men “In tho south- ern part of the city, feeling the necd of & bank n " thelr noighborhood, held a meeting and decided to I&pply for o char- ter dnder the nanie of the Lacleds Savings In- stitutfon. While the nccessary negotiations were In progress, a school-teachier named Ulrie! made uéw s mind that e would like to be a bauker. With the assistance of some friends, ho pro- cured & charter for the People's nt thy aane time the charter was anted for the Laclede. He immediately tovk hls charter and subscription " list to certaln of the merchants who had agreal to subscribe for Laclede atock, aud they, thinking it was the same thing, signed thelr names and pafd over 10 per cent of the face value of the stock. The munagers of the proposed Lacledo concern ralsed a great howl when they discover- ed that Ulrlcl had outwitted and anticlpated them, As the matter hiad gone so far there was no help for ity aud Gnally all partios to accept the Ulrlel institution with that slirewd &nfly ot Its head as Cushicer. The nomfual capl- 1 of the coneern was $75,000, but only $7, wus pafd in. This concern of most slonder re- sources had a wonderful run of patronage. Up to the time of the panic it was conaldered onc of the soundeat banks in the city. Ulrict found it convenlent to take a trip to Europe jmmed(- ately after the panic, aud his place was sup- phed by Edward Wuerpel, who, with a horde of relatives, took posscssion of the bank, and soon BENT IT TO TUH DOGS, ‘The Vice-President was a brother of JTaussig, of Taussly, Fisher & Co,, of New York, and this flrm was accommodated with a lonn of §700,000 of the bauk's money, The fiem soon alterwards falled, and the security, 2 lot of wild land, was suld for o soux. The bank ofilcers man- aged to keep up nppearances for some tme by offerlng o large rate of in- terest on deposits, and by *shinning.” 8o great was the publlc vonfideice In the bank that It contwued to do business after its sccond Cashler run uway, loaviug a deficit of $300,000, Il{ degrees Its putrons becamo ularmed and witluirew thelr deposits. This forced the bank to sell & preater part of its seeuritics and prop- erty at au enorous sacrifice, Its dircet losses in “this _way ure estimated at half a wmillion dollars, Finully, the vaults were dralned, and the concern was forcod to suspend busiucss, Then came astonlshing revelutions of witd spechilu- tion on the parof the Cushler, and of {nju- diclous and corrupt advances to [riends and rola- tiyes, The concorn, which started with n&g $7,500, had sunk or squandered nearly $1,000, intrusted to {ts care, The Directors confeased Ignorance of thuir dutles and of the Lanking business genemll{. "The management had been left the Cashier ulone. At the Directora’ meet- ings hio usually submnitted n manufactured state- ment of the condition of business, and the Di- recturs never fnguired further, Fop two years revious to the auspension not a single entry had ez made on the gencral books of Vie bank/” Thu depositors recelved two dividends,—one of 21§ per ccut, und the other & per cent, of thelr clulms, TIE WESTERN BAVINGS DANK y started in 1872, with £200,000 pubscribed capital, only 10 por cent of which was pald in, The insti- tutlon was fu charge of its Cushier, 11, C. Marx, who was & mere boy, aud as utterty unfit for the position a8 o messenger would luve been. The Divectors were even woro incompetent, and were neglectful as well, Btll money cate rendily to the Dbank, its deposits at one time running up to §500,000, but tho Cashier, being of o speculutive disposl- tion, and under no control, dealt largely in risky stocks and bonds, turning the bank into a regular broker's ofiice. He wlso fathered the Northwestern Rallway, supplylng the funds to float {ta paper, und bougnut hetween $30,000 and - $0, worth of “that stuck at 70 cents, whicth subscquently gold at from 20 to 80 cents. In order to entleo dopositors, high rates of Interest wers pald both upon time deposits and current accounts, The bank was in the habit of declaring large dividends, one which 1pas us high as seventy-slve per cent! This nutumll{ surprised other and soundor institu- tions, which well knew that this could not be done legltimately,—10 por vent befugconsidered o very good dividend ot any time, . It was afterwards discovered that this was accompanted by [mrclllmlng heavy bonds, and then representing them as having risen tremendously, and also by temporarily swellin; the fnterest account in discountlng two su three year Pu]n;r. most of Which ultimately came to grief. "This was done by the all-power- Tul Cashifer, for the Directors, as_beforo stated, wore 100 Ighorant to comprehend the risk theso actions hnplicd. The natural cousvquence wus a most deplorable fullure, on the 13th of Mareh, 1875, DPublic confldence aud patronsge i been gradually withdraw, until, at the tlue of closing, tho depusits hud decreased from $500, 000 to $50,000, The depositors wers pald w small percentagoe, but the atockholders nothing, THE WEST 8T, LOUIS BAVINGS INSTITUTION aud the Western Savings Bauk should properly bo brocketed together, for, as a prowmi- oent bank-man here ruumrl'(od, the lat- ter was the bosturd child of the former, It wos organized in September, 1871, and wus closed on the 17th of January, 1676, ' Its wholo careor was rife with mismanagement, It lost fu the fullure of a singlu customer more than its whaole capital, The Cashier, scelugr that his own bank was lkely- to {w. into trouble, obtalucd tho charter for the Westeru Baviugs Hank, for the sole purposs of ussisting him. Marx, tho Cashler of the Wester, hud been & clork of hls, whom he fittiugly chose to varry out his plans, und In due titme, whien the West 8t. Louls becainy short of funds, its Cashier procured from his disciple, Marx, 4 heavy loan upon certaln bonds, which shortly ufterwards wore disecovered to be worthless, This was hr;(ul{ instrumentul fn causing tho fullure of the Western, The . banker “above mentloned atlirms that many other bonds uegotiated by this Cashior wore known by him to ba *ndt worth a enup,? THE PAUMERS' AND TRADERS' HANK be;}nn buslness {n October, 1872, with a sub-* seribod capltal of 873,600, 10 por cent of which only was pafd up, thus t{‘vlng a working capl- tal A 87,800 Tho oponlng expenses could ot huve beon less than 33,000 or $4,000, so that the sctual cash on hand was little more than noth- ing. This bank was sltuated on the outskirts ol the town, for the purposs of catching the busincss of cattlo-dealers and farmors, h lived just four ‘ynun. The Cashior, R, M. Dryer, speculated largely on "Change with the bauk fands for {8 owh persounal benctlt and smusement, and, after demollshing $060,000 in this woy, he suddenly decamped, finnvm the books and safo us the'entire nssets of tho Dank, s wus . arrested, bruulghf. back, and committed Lo jlnll, but fs wow ab liberty on bail. He offera to compromise by B:,]ng'.’.'i cents on the dollar, which, should hié b able to substantiste it, will doubticss bo uceepted, TUB MECHANICS' BAVINGS INSTITOTION was opened In August, 1373, with a view to druwing the patronage of merchants and small traders fo the central part of tho city, Ithad a wubscribed capitul of $250,000, aud 10 por cent patd up. Charies H, lluifmuu wus the Cashiler, uud C. §1, Burch the Presidont. Aftor a run o} four years it wus wound up, In ths words of another banker, “it died 4 natural death" for want of busluess, It also made some bml loans, for which the stuckbiolders wero obliged to pay protty heavily, The Presldunt patron- izod the bauk by borrowiug 11,000 from It on worthless paper, which la still unpaid, The stockholders have recelved nothing a5 yet, but tho depositors buve been pald 1o full, Its as. scts were placed fn the hands of the Interba- tiunal Bunk, which s still lquidating vutstaud- {ng Hubllities, . TIUR CAVITAL BANK, started in 1872 with asubscribed capltalof 8300, 000, Twenty per coat of this waspald up ot the wutact, any flig wad afterwards increased Lo 50 percent. Like the Mechanles! it alsa pined for want of patronsge. A large amount of mone: was lost In “loaus to the Gravols Iton-{, the Presldent of wihich, Charles C. Rainwater, _mow Polleco Comnissloner, wns the Vice-President of the hank. The bank throughout proved an entire fallure, and in Juns last 1t was found necessary to wind n¥ its nffalra, The depositors, it Is thought, will Jose n"lhlmf. hut the stockholders, ss usual, will suffer to & preat extent. i The 30th day of the same month saw the finish of TIB OUARDIAN BAVINGS INSTITUTION The Guardian was organized in the Interest of aparty of Romnan Catholics, In April, 1873, The subseribed capital was $250,000, 10 per cent of which was pald up, Three (yean brought it to theend of its tether, and on the B0th of last June It ceased business. An examination into 1ta hiooks showed thie same gross carclessneasand bud management that chiaracterized al) the other The Bonrd of Dircctors was singularly,however, tent, They, and the other oflicers, howceyer, Iny nil the blama wpon Bernard J. Kellly, s now notorfous bankrupt, who discharged “his du. tles in the rmost Infamoualy corrupt man- ner, well-known broker here statos most positively that on several octa- slons, when le was Intrusted with the money of others for investment, le utitin his own pocket; In the words of the roker himself, *“it supplied bread and butter to hia family for many a uu;iuln_y-." During s career the bunk was constanily “harassed by its own stockbolders, who, by constant 1itigation, hetped very materlally to'ruln (L. At one time, when an assessment was made upun the stockholders, one of them, s Mra. Gorman, supposing this to bo s foreshadowing of coming weakucas, Jaid [t under an {njunction, and closed Jt up for n week, 8o that en Investi- tlon might bu made. This was doubtlessthe nishing stroke, for in four months after the bank went Into liquidation, The depositors may be patd tn full, but the stockholders lose every cent. This brings me to the disastrous fallure of TUE CENTRAL BAVINGS BANK, which, for a '""'i and successfully-continued courso of shameful swindling, has, I’ fancy, but. few parallels fn banking hlstory, Tt was started In 1808, ~with & paid up capital of $200,000, aud showed amost deplorable faliure on the 6thof July Inat, Though the flnale has come only so re- cently, ono of the most prominent bankers in the city states that, for the post two years, it hae been utterly fmukru&m This was woll known to the whole banking fraternity, none of wnom would during that thne touch any of {ts exchnnges, In one of the banks the Teller was not permitted even to ullow oune of {ts checks to enter his drawer, but as soon as he took one in it was handed to & messenger, kept in walt- Ing for that purpose, to demind its' immediate payment. Bpmomay wonder at this statc of affaira existing so long, but the renson s that the depositors conalsted of poor laborers, who deposited the ‘surplus of their hard carncd wages eovery _ week, and ~ whose - norance _of financil nffalrs generall y prevented them from becoming cognizant of tha true character of the Institution in which they confided. The bank was managed by a most UNSCRUPULOUS RING OF MEN, who used It sm:uy much a8 they pleased for thelr own private benefit, The tirectors were incompetent and {dle, and nuP‘mmu power was frlven to the cashier. Nearly every afficer bad leavy sccotmiodation” paper runninj nd one after another A of thufilmctors fafling, they In every cuse let the bankin for asmuch as possible. Apart from this, thera bns hardly been a fatiure fn the city, durlng the existence of the Central Suv- Ings, In which it hus not been bitten. The fn- stitution wna rotfen to the core. Tho Invest- menls were bad, aud loans were made to favor- {tes with open-handed llberality, on the most filmsy sccuritics. A grent anounit of money wus sunk in real estate and stocke, upon which, fn consequence of depreclation in value, lHttle could be reatized. Oneof the transactions of the bank was a loan of $140,000 uron stock of the Mine Lo Motte, alurge portion of which, instead of po- ng Into tho working fund of the mine, got futo the pocket of one of its princlpals, Almost every cent of this will be lost. Mr. Farfsh, the sollcitor of the bonk, hes just returned {rom Nuw York, aud has published o card stat- Ing that this moncy will'all be recovercd. No credenco is glven to the statoment. Onc of the X!ccu of property owned by the banlk s the old @lobe butlding, which wes va- cated by that journal some years ago, and the only tenant it bus had since then was a man who sold walking-canes, and pald a rent of about $1.60 per week. In the issuc of the Globe- Denwocrat, of Aug. 8, a report of Mr, Green, the Assignee, {8 published, glving o list of notcs under discount, aud their sccuritics. Baukers here generally say that it {s TIIB WORST LOT OF PAPER that ever crossed a bank counter, The notes arg nearly all glven by bankrupt men, and tnany of thewm ara either not indorsed at nl‘, or {ndorsed by men equally us pennilessa a8 the drawers, A arpe number are In- dorsed by the Cnshier himeelf, and to some of ‘the most shaky of them tho collut- erald ure shares of the biuk lteelf, which the Cashler, of course, knew were little ahort of worthless, There urc notes of meu to whom other bankers and brokers sy they would not lend 15 cents, As this is the nuture of the pa- per gonorally, an idea can be foruied us to what can bo renlized from it. Bince thy fallure the bank has been constant- 1y besieged by poor depositors, whose savings for Km\ra had “been sunk by the concern, A number of ceetines have beon held at which {t has been finpossible to restrain tho rage of the swindled depositors, The explanationa of the ofliclals have been Interrupted by angry threats against thelr llves, and some of the gatherings have broken up in wild disorder. It s uncertain what Eemunnnc the creditors will gety bue it will not o over twenty-five per cent.” ‘The leading di- rector of thisbank, Henry (. Bpaunhorat, wns a delegate to tha 8t Lunls Convention, and would have heen the Democratic nominte for Lioutenaut-Governor, had the fallure been de- layed o few weeks later. The latest collupss, thus for, {8 that of THE HIBRINIAN BAVING3 INSTITUTION, This concern opened for business in February, 1873, with a subscribed _capital of 8250,000, 2 per cent of which was altogether paid up. After abrief run of threo years it went into liqulda- tlon on the 1at of this month. It had made no money, but last beavily, both (n discounts and speenlations, The™ ‘depositors may boe padd In full, but it {s by 1o means certain.” The :’l(‘mkhuldon will In all probabillty lose every- hing. TUB SOUTH BT\ LOUIA SAVINGS BANK waa organlzed dn 187, Capltsl subseribed, $250,000, and 10 per centof it paid up. The bank did not eyen pay oxpenses, 88 [t wos opened n closo proxfinity to. the Caronde- et Buylngs Institution, “which yas dolng all ~the business 'in that portion of the city, and so, fafling to draw any of thut business nwn; the South 8t. Louls was forced to closo In 1875, Tho nasots were bought up by tho Carondelot Bavings Bunk, The depository wero pald in full, but the atockholders have re- celved littlo or nothing. TN VANK OF TIH WHST opened under good ausplees, and had 1t been })mpcrl munaged would doubtless have done o uir business, ‘The imnedtate couse of [ts fafl- uro was o foun to 3, C. Alexunder of $:23,700 on furgzed cotton recelpts, This, of course, was total Joss, and the capital of the bank not ex- ceeding $31,000, a period waa put to its exlat~ snee. W THE MANUPACTURRNS' AND BECURITY NANKS must be inentioned together, Nelther had bee dolng u paying business while running separs ly. The Manufacturers was oncs conducted under the namo of the Benovolent Loan Asso- utlon, und thew tnade some vory serfous losses, e Becurlty Bank sutlered” In the sume way, until flnally it fuvested $10,000 in the stock of l.im Gravyis Road, upoun which only 86,000 or $7,000 wus realized. This, combined with its numerous other losses, so weakened the bank that it was deemed expedient to closs, Tho assets were bought up by the Manufucturers, which has since been dolng very well, TIR HOMB HAVINGS DANK was a speculative coucer, started n a part of the city which was drezul?' well suppliod with banks.” It had & eapital of 3100,000, ouly 20 per cent of which was pald In, 1ts entire’ career was marked by bad munugement on tho part of the Cashler and the Diree- tur{. Qrosa carelesaness wus exhiblted in making Joans upon worthless colluteral result- {ug u hoavy lusses by the bankruptey of the purtics sccommodated. It closed 1t doors abuut two yeurs ugo, sud nothing has yet been received by depositurs or stockhuolders, In addition’ to thess fourteen failures, o movement s nowon foot to consolidate &lx ol the remaluing banks, viz the Lucas, Iron Mountalu, Empire, LoFuyette, aud Valley Natlona), Bhould this pmflu«t fall o rurlluu of theso banka will by foreeil to_retiro, hiave heard the prediction made by a leading bauker bero that at least » dozeu banks will by closed bofore Jouuary next, Consolidation ¥ tho only other rocourss, and that s popular be- cause It cuts down ths nwnber of salarled and oruamental ofliviala, OFrFIONHS OF BOUND BANKY deplore the eflcet of thess repeated fallures, They say that the number of thelr depositors ls Fwwiuz lesa every d“fi; Buur‘\llux mouey 18 be- og witbdrawn and lovested lu Governwment bouds. Beversl banks have recently reduced thelr eapital, ms they cannot employ it profitably, ‘The Bank of Mlssourl bus reduced its capital from §3,240,000 to 2,500,000, wvd others are abont to do likewlse, The dread of pubie dignation now thoronghly aron the weaker banks to help éach othe not febanother bank fafl. ‘The fecllng smong certalu clasnes Is ao Intense that another full- ure like that of the Central woull be #lmost certain to result In a riot and bloodshed. Ana hanker remarked to me the other day, “The banking business Is ruined In 8t. Louls;, there will be no money In it for a long time, and, i thinga go on In” this way much longer, it witl be aa mich na m man's LU0 Is worth Lo be connected with a bank."” BoswEeLL, ** MAUDLIN SENTIMENT." T tha Editor of The Tribune, Cuicano, Aug. 17.—8cveral dayn since, there appeared {n your paper the gecompanying acran of poctry. Iwish toadd a few words of plain prose, os a soverelgn remely for the chronte dss- pepsia which ls often superinduced by such senti- mental views of matters of fact in lifo: Alittle walf, with tearful eyen, Al glistitng catle of lun falr hair, And trembling [ips pressed cloe the white, ‘Through crowds that drifted hore and thers ‘Went wandering on, alone and lort, 'Till kind hoarta in the thzonging streot, 1n tender pity, clasped the little hauds, And homeward led the baby feel. in- hig foreed A woman, beautifal and lost, In the city's nolse and din, Aimlensly, beedlesaly, wanders on— A walf, 8 child of sin— To the very place where, years before, A baby, ahe missed her way; But they who pitied the little one lost 1linve none for the woman astray, No, why should we havel The caseof the {noocent child, Jost aud mourning for hotuo and {ts mother, bears no inore aualogy to the woman, child of sin, alinlessly and hecdlessly wandering the strects of the dty, than the bube in Jesua’ arms to the Devil who took Christ on- to the plunacle of the Temple,—of tho une of whotn he safd, * Suffer thew to come unto me;" and to the other, 4 Get thee behind me.” There 1s altogether too much cant and maudlin sentl- ment about this watter, which culininates in thy often-repeated assertion of men, that *Wotnan fallen has not so great an enciny ns wo:nu:;" which #8 true, and right, to a certain exten A few days 2go, a valuable dog, belongingz to a butcher, flew al a lady who \§u puslfi;‘:, und and bit her severely. Searcely bad he done so before the butcher's dleaver lald him sprawling dead on the pavement. Did ."i mun waste any sympatly oo the dog? No, all the sympa- thy waa given the woman, in whose velns might have been the deadly virus of hvdrophobia, Ten hundred times more dangerous to cvery ‘wouinau in our land are the degruded creatures wlo, on our streets, and in our places of public’ resort of all kinds, with bold eyes, entice our boyr, hnsbands, and fathers, snd our young daughters even, from the paths of rectitude and Ju:ucc. Every woman kiowsa from carlicst childlivod her power over men; and, ever since Admn made his memorable n:plf to_the Almighty, fn the Gurden, the Eves have been offering, and the Adams bave been gladly cat- fug,~mcanwhile lelpinz to gather the flg- leaves, and flud a good Dlidiug-place from offended Purity and Justice, Less sentiment, and more censure of vice and {ts votarlcs, would be productive of invaluable benefit to the race. DaWitt Talmage sald, in a scrmou recently delivered: 1f the world treats a man eo badly when he has gone uatray, how much woree does ik world treat # woman when slic gouvs astruy! MMen despise her, Women curse ber with a relénticrs curse. What though she repent? No mercy, What though aho starve? Good for her. What though she dia? Tumble her Into n rough coltin, and have no moarn- crathier grave. Qh! there 14 more merey in the fang of raltlcanaka—there In more compassion in the tacth of tho wolf when they are in the warm flanks of the lamb whoee lifo it ia sucking out— than there In tnercy or compnssion In the hearts of men and women for one of those poor_ things who hiave gone astray, Let the llrs of her fingers reach the Rock of Truth to climb into emfety, the world ‘Roes out and mashes the tips of her fingers with thelr beels Into blood untll she falls oif. **No mercy, " enys the world, 1fow did Christ treat sach acase} They brought ane In caughi {u the midst of ceime and najd: **Stone her. Sho fs not it to llve, Christ looked at her, and iln hoart broke in sympathy for her; aud then Ilo looked at thore men, and He eried out, ** Let him that is without sin cast the first stone aL her." With all due deference to Mr. Talmage, I wish to ray that within o stone's throw of where 1 8it is an institution the expenses of which are alnost enllrcl{ borne by many Christfan women, who, In the dlscharze ‘of dnty, obey the con- mand of Clirist: I thy brothier kor slster] err, rebuke him; aud, & Ae repent, and turn from the error, forglee kdm,” That house 18 full of ro- pentant women, honored and respected. Hlow dld Chrlst treat such casesf rays Tal- mage, T read that God snld to Moses, on Mount 8inul: * Write, Thou shult not commit adultery,” “He that hreaketh one of these com- mandments which I prive unto_you s gullty of the whole,” ¢ fle thut keepeth not these com- mandments which I cummand ths dav, all these carses shall come upon thee, and overtake theo: Curécd shalt thou be in_city, and cursed shalt thou be in ficld, The heaven which i3 over thee sball Le brass, aud_the carth which fs nnder thee shall be fron. Curses shall be upon thee, shull pur- sue thee, aud overtnke thee, until thou art destroyed, and thy lifo shull bang In doubt be- fore thee, und thou shalt fear day and night. In the morning thou ahalt suy, Would Gad it werc ovening and in the cvening thou shalt sny, Would God it wers mornlug! Ye shull be sold unto your cnemies for bundinen and bond- women, and no man shall buy yow” Thus #alth the Lord by Moses. When the Beribes and Pharlsces brought the miggulded woman upon whown all thess curses ut Lier to death, rested, the great Goed-heart, which bad comsg to su and dlv for the remis- slon of thess curses, stood atill. It was a moment [ which huinan comprehiension falls to grusp the awful ndeur of the thoughts which filled the soul of Guod at the Instant. e stooped to write with His flnger in the sand. Comprehending at o glance the drift and depth of mind of those equally-gulity accusers,— knowing that, as educated Jews, they knew from the cradl the curaes whic Ile had “branounced upon such sin,—Ilo made s memorable auy geatton, not colmand (for 116 was no maglatrat * Let him who §s without slu among you cast the first atone; " and when, condemned of God bo- fore 1lis face, thoy left the room, Jesus, the son of the earpentor, tempted in all poluts as other wmen, !et without sln, turns to s tempted and * fallon sistor, aud suys, ‘*Nelther do T condemn thee; go, repent, and sin no more,” Oh the beauty of that transaction!— the ever-tender and merciful God-Father; the ure, tender; loving 8on and Elder-Brother; the ncomprobiensible blendiug of the Human and Divine! Let us not arrogate to onrselves keencrlove thaa that of the All-Father for His children, nor shed maudlin tears of sympathy with the legion of devils who 5u shoat seeKing whom they way devour; but follow the exampte of our Creator, who curaed the rerpeut who tempt- od Eve, and cursed Eve, and only forgives her when to her posterity fulth comes through the awful flood of Repentence, and leads thew Into the green pastures and bealde the still waters of co and Purity. Hhen, e ————— STATE RIGHTS. m ina Rditor of The Tridune. BrmiNavizLy, I, Aug. 18.~The following “scrup of history " fllustrates the sacredness in which was held the wowd old Demoeratic dos trine of Stute's rights, In the Btate of Iliings, thirty years e WHENEAS, The Prestdent of the Unlted States, actirg under the amthority of law, his welected Fort Mussae, In the County of Massac, in the State f 1linals, By i sultable sito for the erection of a Natlonal Armory; and Witknieas, JLinay be advlsable for of ull donbia an to the right the G tiu ernment ta ucnire real catute sud cstublish pu He Mildings within the limits of Andopen Btatow without tho consent of such States; thures foro, SecTioN 1. Hell enacied by the people of the State of Iinois, rapresented in the” tieneral Aa- acmhly, That the consent of the State of [Hinoie be aud 1s hereby glven to the Governmont of tha United Statos for the erectlon of an annory. at Fort Masnac, in tno waid County uf Musyoc, and that the suld Governnent of the United States bu, snd liereby fs, suthorized to acquire and hold forever su much i within the State of Illinois at sald Fort Maasua av sl e requisite and uecossary for ho uses sud PUFPOsLe of AU ATINUCY £ V. 1. RicHARDION, §peaker uf the Houne of Representatives, Joun Mooz, Speaker of the Sen A&mmmd by the Council 1Bad. removal 13r Revision, Dees i1, Tuokas Foliw, ————— ‘The Depth of Minlug Shufls. 5 Raltimore Americun. ‘“’h‘v’cnly ears ago the deenest wining shufts in the worlil reached only wbout 2000 tect be: low the surface. The very deepest, we bell was a metalliferous o In Hanover, which been currled down to u depth of 2,90 feet, 1 t perpeodicular shatt to-day fs tno Adel- bert sbiaft, {n a silver-lead injve fn Prizibram, in Bohew!s, which has reached a depth of 3,239 fret. Tho attalnment of that depth wus made the occaslon of u threo duys' festival, snd still further notived by the strikiug oit of o b uumber of commemorative sliver medats of tie value of & florin each. Thers 8 no reconl of the begiuning of work ou this ming, sithough its written history gosa back to 17 Au elogant commewmorative voluwme hus been written aud printed, which 13 most interestiny 0 thusy thut hava s tuste fur either tbs actuals AUCUNTY tlea or antiquitfes of minfng Industr, are two uther 1 itles, however, where a gr er depth hos been reactied than al the Adel shaft, but not in a perpendieular Une. ‘The are: ' 1. The Rocksalt hore hole, near Speren- hcr{! not far from Berlin, swhich o few years ago had heen bored to adenth of 4,175 feet 2. The conl mines of Viviers Hemua, In Belighun, whero the miners, by shaft-sluking, together with bor- ing, have teached a total dupth of 3,542 feet. Turning from these two mines, no shaft fn un- Lroken Perpr:mllumnr lines has yet cxcecded the depth of 3,250 feet, The deepest bore hole In the world {8 the arteslan spring at Potsdam, |u MUusourl, which reaches a depth of 5,500 feet, e e— 1ot on the Ocenn, Neww York World, The Waozing heat of the lust two months hasg not only tossted the dry land. 1t has stews the sea. Capt. Cook, of the Rassia, Just arriv- rd, says that he never experlenced :nylhln;irllku the heut of the vcean on the passoge which land- ed him here on Wednesday morninic. It was far warse than anything we have suffered on sl for there wua bo shade or uo wind, The Gulf- Blream, It appears, hias extended much furthy to the northward this year than usual, atd we ean well inazine the rensations of prszengers carrled for days through water 50 degrees hot, with the Dow-Star raglog above. AMUSEMIENTS. McVICKER’S THEATRE. Oponing of tli‘afioth Heason with tho Grand TH THAER GOARDSHEN, Everything New and Appropriate, and an Fx Ient Ciat. Exelting Scenes. Sparkling Dlatozue. Mirthtul Situations, Every Night and Saturday Matlnee, Ticket Ofice open dally from fis, m. to6p. m. Seats can be secnred slx days in advan Prico of Ucketa, with sets secured, 23 cents, 50 conts, 75 ceutn, and £1, sccording to locatiun. Next week Mr. Chatlrs Barey will appear an Gen. ‘Washington In hlagreat Nutional Drauw—The Spy. HAVERLY’S THEATRE, Pandolphest., between Clark sud Lasalle. MAGUIRE, & AVERLY. Prontietors, WILLE. CHAIMAN Sanagor, MONDAY EVENING, Aug, 21, During the week, and at the Wednenday and Satur. day Matinces, the Fawons and Unapproschuble CALIFORNIA MINSTRELS! 28. IN NUMBER 20. Will present an entertwinment of Matchicas Ex. cellence. Bob Hart, Couvl Burgess, Billy Cou wright, and n host of simllar artists are engaged, sud wiill shortly appear, HOOLEY'S NEW CHICAGO THEATRI, TEHE MINSTREL PALACE MONDAY, Aug, 21, evenlog at 8:15, Wednesday and Saturday matinees at Gy HOOLEY’S MINSTRELS, The People's Own! FIVE NEW STARS. First sppenrance of Nr. Fasette Welch, the greatest of «l) end-men, and most accomplished of. dialect comedlans, 'First week of George Knight's Mill- fary Spectacle, **One Hondred Years Agn,* In- trodnclog s minlature regiment of Continentals. Everyling new this woek. Sce programincs. WOOD'S MUSEUML. OOMPANY ¢H” FIRST REGIMENT, For one week, commencing Monday, Aur. 21, u Wedneaday | and Snturdny ufternoon - Matinges o'clock, After soversl weeks of active prenaratls Wil lie nierthe exglisive managment of C0: E ¥ (EGIMENT, L &, G, tie grand | Allegori el Ntltacy Drama, entttind” SFAudecunvitie, or e Tlnlou Spy.* aslsted by SLAJLJOSLPI BARTO Lta fumoun'chineuetor, tlie B B T of Admissior—Orchestra Chalrs. $13 Dress Cireln, 75¢: Baicany Gircle, 50:3 FAmlly Circ) 3 atigees, 25c and sk, No Charies for eecAre seath, ADELPRY, ENGAGEMENT EXTRAOUDINARY! To-night Fleal Appearance of the Champion of (he World, JEM MACE, and STRVE TAYLOR, Amerlca's groat Pugilist, i a grand Asssult st Arae. First Appenrance of KITTY ALLYN, the Reantt- ful Serlo-ComtcSingor; DAN and ¥LURA MASON, “Teatoni¢ Comadlans. THH LIVING ART PICTURES, St. Felix Dallet Troupe, Iznold Bros., Carrol and LX:CMUI)‘. and a hust of others, Cl))[fill)N\"lIAl.'l‘ll [ ~NUKVOLK, BA, BATE C In the eatute uf ALONZO! 1ate of Brovkline, In said county, deceased, Eretlug: Whereas, RODERT 1. BISHOP with the will annexed of the estats o rescited for alluwance the fual ac atlon By e tstate of sl de itnessed on play ever 4 el ASSACTTSETTS l‘”l'l(T‘.lT‘o “‘PTI'P’ sons Infere wesiate, the Administratar of sfu docensed 1t Of hiin od> wd, showing a Latace u his buads: and hoa alw fied W petition retting forth, among other things, that Charles Fux ckaan, (he 1 the will of safd deceased, had ‘0 bF Deard frows by 1he deceassd or by uhy of hix ves, ur by Ry othier jersan known tu the Adminiarator who could give any information concerys o i, with & aingle ceceptiu, siuce tie year an 7 his Whereabor 1l und 10 W its telagivess hat pupasnt to e directiuna Of th will the PeUEoher (00K tiensuren, st forth in eald petitton, to find the sald Charles Fox Juck- sun, and leasied fatiiy of Uiy eme name dled or Vaughau, F s Ut the et leves onls 8, Datney anid Terry have been appointed by this Court Aduifhixsrato bt - eatate In Ehin Commonwenlth of 1 e 1703 Jackson, and (st MAry Cliaios ugliat have been appolnted by for the County of Fremont b the berl: the H'robate C State of Towa, Adminbirators of his estat; that e in of the pury Ry devine tal uona camed {o the satd wiil Ry dev! fa the event that neitlier the wald Charled Fox'Jac! s0u nor any of s fasue should be Hiving st the tims of ator's death, clain oF may Gl that said 4 Fox Jackson led Without hisue previously to they are citliled to the property A portlun ot the Lalsice in the u W he sum uf S, 43¢50 eposited in the Clinrleatown PIVE Centa Baviigs Bank, 18 claimed by Geure Curpester, of Suaniey, Now Hampebiros auid praving tiat the Court will liear and deteriine the question of 10 wiom Dalance {n tha petitioners hatds ahail be natd b wid will orier ‘and decree payinent and diatributivg thiereot 10 such persons aemiay be cntiti:d theretor You are hierely vited 1o appear at s Irobete Cottrdy, Lo boiolden at Quiney, th sad County, on e sefund Wednealay of Sepivmber next, st 0°closk (i ihe foro. naon, 10 show cause, 1 shonfd ot Ly allowed, the ter i 3 yui Linve, WLy sald_accout autl W deercs for distribution Al payment uinie aytn auid povition pruyed. ouataut and petitloner v vrdered 1o ur'" or Aud satd e vuce u week, spajar publisbid (o each of the citles of Buatod, Chicago, aud New Yul and o the County of Fremont, fowa, the it publicas fon o ba 1o ddya it luas befurara'd Court, aud by scnding # copy ol aald citation by mafl, ' podtpali, 1o Lie duresa of encl hereon tutercatuil, ur who clulins to Lo lutercated, |n 8ald estate, Known Lo hini, ten days ut Jeant before sald Lourt. Witaeas: Grorge White, Eaq., Judge of safd Court, ch day 0L\, 10 the year of our Lord ane nd elgnt hiindred Bad soventy iz, JLHL COftTL Reglater, OYFICR OF TUE CONPTROLLER OF U1 Waniinu foN, U, C. J OTICE 14 hisrehy kiven o all’ clalme agalnat the ** Clty N 0, 11, (AL Uhe st must b Wakworih, ftuceiver, witl (g legal pruot i n threo Dot i troin ate, or L JUIIN JX\' owed. (slgn Comptroller of tha FAIKOA WY STANDAKD SCALES OF ALL KINDS, FAIRBANK®D, MORSE & 00, 111 & 418 Lake St., Chlcugo, Becareful tobuy naly the Genuine, . CONGRESS HALL. New (llllr-llnr{ brick hotel, on the Enrapean plan. Elmeav,, below Forty-sccond-st., directly onpposite Muin Exhibttlon Building, Accommoda- tion for 1,000 guests, Speciul arrangements for lurze parties. Tenus—Ono dollar per, du{. W. Il. BARKER & CO,, 1 hilzdelphia, o _EINancia 5 §50, $100, 5200, $500, $1,000, (RTINS con hatkar, o Bk of harea oF ymall smounts lu stocks of a cyitimate character, which requentiy pay from five to twenty times i aniount [ayeated every thisty days, Stocks houghit and carried salong as desires of3vercent. Llrer d waeklv reports. BY_PRINTING DICS MOIN IS, AUXILIARY PRINTERS, We ship rcudy-[:nnled newspupors (Insldas or nunld«:), on mal or telegeapine order, at short nutles, : Onr veographical poaition enghleans Lo supply pablishers fan lowa, * Sebrasks, Da'ota, Nariheon issourf, Colorndy. Montana, Wyonin 2 and Util, nore readily unil 4t lowur rates of oxpressage than avy other suslllary nouse canolo it Tae apecial IOWA PRINTING CO, Jist of aheets which we prepare for Luwa publil ware nuw acknawledyed to bu thie hest fur thut t Advertisers will 1 this the Lot Adverdsing ) of Ladies' ¥ » Alwilog — EDUCATIONAL. ADAMES ACADEMY. QUINGY, MANS, HON, CHARLES FIANCIR ADAMB, 1.1 D, shainnan of Toard of Mansgers. WILLIAM R DIMMOCK, LL. D., Master, The design of tho Bchoo! s {n prepare bays, in tho most thorongh manner, for the best American Cols Iogen, oy trom this Acndemy. lisee boen his year admnitted to Harvard, Yale, irown, and Amherst Col. Irgea Thore wre fine feachen—ail Keatieinca of Auliity and esperience. TLTE {8 8 DIEPATALULY elam for thom too young for the Acadeinyi and tha instriction given (s careful snd systemiatic, dexigned to fit the pupila thoroughly for the Ligherwork uf the Academy, 'No puplle s re- cetyed under 10 years of agr. ne Master (with hls (amily) snd the As t Teachers residn in thie Acsdemy Boarding Beliooly sud e YouRger boya have orch & kptrate aicowe I s inka dormitory that commualcates direcdy with the Mad- ter's vedroom, 11oys can also be bosrded In private familtes. For catalogues sddrers the Master, " LADIES’ SCHOOL, Preparatory, Acadomio, and Oollogiats, CLIFTON SPRINGS, N. Y., Vil open Sept, 13, 1670, Ttooma larse, elczantly funiahied, beated oieam, and lighted b gan. Special attention to health. Gymnastie drill, “No public examinations or exhibitfons, Prof, G. Blessner, an expetlenced Instenctor anid cnmposer, will have charge of the Department of usic. Dir, Henry Foster will bave charge of the Iealtn Departmen Dr. George Lanmis will have the garernment of the achool, to whom ali communications should be addressed, Send for circular, PARENTS&ZGUARDIANS THE Vo NCHOOL AND COLLEGI D1 RECTORY, for 187, 210 pigea just Iwued, {8 cumplied expressiy for fntending selivol patrons, whare- in 1nay be oliained ail the information relsting to the better clans of acholaatic fnatitutlons fn the country, fieceatary in the selection of sucti ane st they may bo searcl tnout the incanrentence Incident to the n , wl nsual meansof cullecting the same. Completn List of Fetioole, xnd Collegen, Description of Location, ‘Rats- road sud Hotel Facilities, etc. 1p e Uniied States, showtog the exact location at the bolioolarepresented. Punil's Itatirosd Expense from home to the Behoed ve- tected will be naid by this Burcan, Satind Free (o parents and others having children to educate upon rceiptof pustage (8 centa). At tue oflice, urjiosa alatrd, free. To others not wisl lln{ " fop the 80 centa. T. COTESWORTH PINCK Sehoul Warent, Homesie Bulldtag, Hrosd rk, Bo Y. teenth-st,, New York, Acadenmy of the Sacred Heart, No. 361 North Dearborn-av. Thin Institute has been extabliehed undor the patron- ape of the Kixht [teverond Jishop of Chicugo, aad in lvcor:hnu with the cxpressed desire of parcnts for s A tomience the Firet Sonday gt Septembe DIAn OF Altidien will be o same ) Gurauo: on the e x4 that purau 10 all th establishmenta of the Heart. For Circuiars and further Info fopiy THE LADY, SUPEIHOR, 301 Dearbo) OHICAGO FEMALE COLLEGE, MORGAN PARK (NEAR CHICAGO). The fall tern of this institution commences on Tacaday, Eept, 12, 1870, Another new bullding will be corn- pletcd and ready for occupuncy at that time. Its Eapacity will he sullicient (o, acsommonate ity ad» ditlonal boarding pupila. _For farther informatiun orclrculara address the Presfdent, G. TIAVER, Chicago Eemale College, Morgan Fark, Cook Co., o at 77 Madison-at., Chltago. MOUNT YERNON MILITARY ACADEXY, Morgan Park (nesr Chlc_llgu{k Capt. Ed N, Kirk Talcott, Pres, Ilenry T, Wright, Principal. ‘The fall term columences on Thursday, Sept. 14, 1876, The school, uuder new management, will atlord lnrgel;v increascd facilities for thorough In- etructlon, For further Informatlon and circulars address Captl. ED N. KIRK TALCOTT, President, Morgan Purl, Cook County, 1ll., or 118 Monroc- sy, Chicago, ALLEN'S ACADEMY A Tieupens bept. nd gusrantees that 1ts pupth ahall Tenri. A KOULday S WOFK. 18 £XprcLrd every duy, gl thorouglineas is inslated on. Twelve experieaced Pro- fesors and teschers, tivod hoarding places uesr the echiool, A lmited number of buys received futo the family of the President. 1IlA W. ALLEY, PENNSYLVANTA FEMALE COLLEGE, Plttabueg, Euet End, Pa. College Curea embraces all the Departments of Migher Education. Gov- crnment s that of & refined Chrlstinn home. Lo- cation, A3 miles from the heart of the city, Free from dust and smoke, easy uf access, and nn- surpussed for beauty and scenery. Season opens Fept L, For catalogues apply éarly to tho Rev. THOS. C. STKONG, D.D., Prealdent. BOARD AND TUITION IN FRANCE For yonng Lndies in a comfortable Christlan Tome in Versallles, & nlf-liour from Faris. A snle ubrioussitustion; Profesdors of the Grsf.class; thoruugh instruction; terws, 1,500 francs ($7300) for the term from October to August, Adddress Mile. CRETIN, (formerly Professor In Vasear and Uellinuth Colleges, ) ot No. 12, bin rue de Yer- gennes, Versafllen, Trance, Tiofers for paricnlars to we, R. G. HUTFIED, 31 Plne-st., New York. CHICAGO LADIES' SEMINARY, 15 and 17 South heldon st.: ono squar east of Unlon rark, Fourteenth year opens Ecpl. 11, Able Profeseors In the departments, Claasical, Engliali, Art, ad Mu- Elocutivn & specialty, under I’rof. E. M. looth. The modern languages in Ample sccommadations tor both boardts iay puphs. MiS> GREGG, Irincipal. IMPORTANT TO STUDENTS. ADRIAN COLLEGE—Lntrauce upon any study inany department conditloned only by preparation 1o pursue that study, thus aflording greater fatitode in the selection and the order of studies than eun be found eluewhere. Ixpouses low. For cata- X‘l;' ’n sddregs GEQ, V. McELROY, Pres,, Adrian, Mich. ST. XAVIERS ACADEMY, ‘Wahssh-av,, cor, Twenty-ninth-st., Witk be opened for the reception of buarders and day scholams on the fiest Monday in September, For terms address THE MOTHER SUPERIOR. Solect tho Deat Bohoo! for Your Hoys, The Irving lnutitute, Tarrytown-on-ludson, re- opeos Sept, 12, Thorongh {ustruction and traln- ing. 'The follawing gentfemen are patrons of the Kcliool: b, I’ Fafrchild, (42 West 57th-st., New o anute, Chief Enelneer Eric Ralle ki the Rev, Ceorge M, Stone, D.D., Turrytown, N, Y. Clrculars from A ARMAGNAC, Principal. IRVING MILITARY ACADENY, Lake Viow (near Chicagu). upens Sept. . Ten acres ey -Rrounds; fi\'cr""lll’l(fll’\‘[’:}rlml. l.I“‘II’ sond your Fosa FaL s 1nveatgnte; | ¥aur Festdent’ Lrofe Hend for catalogne, 't o o GO Rty Capk Fominandont, College of Individual Instruotion, TOR BOTI1 SEXES. S CaCPOImok s hdiv iy et YT AR R T o T TR T 2. ¢ {Heopens Welnesdey, e POR YOUNG LADIRS AND M8 Boarding nud itin, Hiand eliia, Peon 5 LY, Prineipal, _ s E ey M'lle C. BROUSSAIS Wil reopen her French aod !ngl‘lll Hchool on Beqmm' |)t'! 1%, At nid Michlesn-av. e will be saisted by Mlie M, BIOUSSALS, MW TEFFES, sud pient beacliora.” Thd Primary Departuient opens oa d other cum- ptemibar & MRS. GARRETTSONS BOARDING AND DAY HOOL for young ludies und children, No. b2 West Forty-govonth-ui ew York. wiit u'n‘um on Wednewday, Sopt, 27, Fuclll- tiea fur the study of French, German, snd Music nueurpassed. Thoroughnesd in every tfupulmnnl. Apply personally or by lett bove. MADAME O. DA SILVA ond Mrs, Alex Brudford's (formorly Mrs. Ogden Hoffau's) English, French, nd etinan Vosrdine und Day-Behool for'youne lidies and childron, with enlisthenics, No, 17 Weak Thirty-clghth-st., New York. lcopens Sept. 25, Applicntion may wude by lolter o personally, us above, Civll oud Mechnaleal Engluecrioe at the Reanselacr Pelyicennie Muatitute, Troys N. ¥ Justrtction very practical, Advantssds uuuthri n (hiscountry, tradustis obiatn excellent posttions. Tteonens Sept. 14th, For the ey, eons tanlug proved ol of Sy, 8 ticular, wildreas PROF, CHARLES DROWNE, Dire RIVERSIDER QEMINARY1 Aunual gl and ful | Wellsville, Alleghiany C N. Y.—a Hoardiog-Hehool . W,—will open Bept. 11, livats g, A vl s, 7 ‘I.T'l\' hool, Beaa for elr- cufar. \didress CHAS. TYNU, Secreiary, Dax 603, Wellaville, PEEKSIKILE, No Yoo MILITARY AUADEN Y Opens Sept. 19, 19705 Aresldent (natructors: 50 boarding flae gytnnasiui; gronnds, gacres; $00 per year, c v lews, snd refeecnces of the XD INSTITUTE Polt YOUNG LAT on-liuceins Lesutlful situstivn, pleasnt thoro 3., Sty Colloge) Lady Frivvipal. s Priveipel, - " W OF TR TWO UNI- T A O e fectiners, 150 stiudonty, o0 'grudusics. Most {hosuugh olrsg. fouwhd whort-hund, e, ¥ AdTens Vo B DERSLOW, deervlurys QGrove Hall, New Havon, Oonn. A'superior Home school for Young Ludics, I(\:ur\:nt opt. 20, 1676, Adidresa 31ISS M. l‘.»}lfl.‘(‘l‘k() t l'rluclpul.‘ TIMULASD MILLTARY ACADEMY, 8. ter, Maak,, PrOpArcy ILs graduatea for ommaudlivg posttion b cumtion aud scfeutine bupstiits. FOI BOTH & Toums, coure of study tul o e Kreip M Wi AN, ¥ e Vrofemsurd, & Cl N AN expenses cov €A ¢ul, SwArLIInUT W FAMILY SCHO0L FOR : y L. CADY, Privetpal, New Huven, rArealn, ]\llis. W, G, BRYAN'S H\[.\IU)I.\’U-S‘CUUOL Foi yoting ladics, Batavis, N. ¥ NUI:\\'IA'H UNIVERSITY, Sctentine bebivol, Northineld. Vi Addreas Pruf. wnd Miiitary CUASDOLE. ARRIVAL AND DEPARTURE UI"TRILH{E Erplanation of Jtebrenss Srirke.—t Siturdny e ¢pted. ¢ Bunds . o tive Sunday st| l”g-nlfl'f““'"“l“"-nnnd.'nxwmm“ LA CHIOAGO & NORTHWFSTERN RAILWAY, o ORTHWES Aot Sommer Madu St ana i) ard ™ 1_Leave, | Ardl tlireen liay Exprem: R4S i 52k Patl & Winonsr fxp dMlarquetie Expre dtzene ml((el-' ¥ ke bunnnl;nke aGieners ke a—Depot rorneg of Weiin DRk Cornatof Cennl and B neger, SACUAR, EITRAL BAULEOAD, feket-oMce, 17 Clark-st., doiplsy wuk i Pabier Hogsar oo+ oM¥ caraerof Ran: Leave, | Arrive, S B.00m m. ! 7 Halt(ria Matn and Al Line).. EXPTCE8. 0o 0va. XN g +Baturday Ex. ® Bundsy Ex. § Monday Ex. COHICAGO, ALTON & BT LOUTE and (T o SANEAS OITY. & DENVELR BHORT L o ek Dices: AL Lol aa ot KansaaCity & Denver Fat Ex. '+ B & Sp eI Py m: BL Louls, Bpringnield & Texaa, | 7:40u. . reas. LAKE SHORE & MIORIGAN SOUTHER, Loav Arrive, Mall, via Matn Line. 00 Epecial N, ¥, Expre 5 ATantio Expreds: da) ok Coleliour Accommodation. .r 104, . NIEhL EXPTER.1eraaans CHI0AQO, MILWAUKEE & ATLED, Unlon Dot Commer Saaian st S S S0AD, Ofiice, @1 South Clark-st., Ohice; u-wo':‘m Clark-st., opposite Sherman House, . 1 $3:408, m, Milwaakes F: Wivconain & i ¢ 7:30 p, o [* 4:00p. m. *11:00. m, t 7:00 8. m. xpre Winontia, oy BULS EXUTCM. cevarsss i ‘Wisconsin & Minnesota Thro'| NIght Express waeilt 9205 p M, Alliraloarun vis Milwavkee. T4 for Si. Pay icketa ul and Minocapolis are good elther via y &0 Chien, oF via Watertown, L Cromse smd Winams ™ ILLINOIB CERTRAL RATLROAD, Depot, foot uf Lake-st. aud fuot of e PO cket Ol 131 1tandotphost.s heat Gl ™ £t Loufs Express = B Louis Fart D ] A P Cal P. m. { 7:50 Epringgeld, Peo A:0p. Bpringheld Night b 0. f] Siom Peoris and . m. & 708 Dublque & Sioux Cf & n.fe 340 p, m. Dubuque & sioux ¢ B 1. ¢ 7:05al m, Ullnay Passenyer . . . [* 05z m g CHIOAGO, BURLINGTON & QUINOY RATLROA Depota, foot of Lake-st., mam?mu, and bixtoentin oL, aud Canal and Bixtes 4 53 ad Cal ud Sixecatb-sta. icket Omces, 31 Arrive, 740D, b m Maitand Exprer. ULiawa und Streate ¢ FIiE Line, for Oiiiaba. *10:30 1 Leayeaworth, | ke Cly. Mendotn, Ouiawa & Biteai| k] v paciic Nigit Exp, Eaning Clty, Lavenworn, Alchilson & BL Juseph Exp..|H0: Dowiera Grove Accommod (11 *Ex. bundsy, tEs. Esturday, §Ex. Monday. Tieket omers i Cro L0 AGO LINE ced. Clark-at,, 1% N Pacitic, and st depot, hl;flsl"fll‘!‘ ll‘;ufld‘m'{:“‘ Grank Leave, Arrive. Aflaitio " Express — Duiftna| o0 | 8:108 m. Palace Druwiny ~nwms»==p-' _ing Cara sud 1oted Cars, 5:08 p. m.| 8:10 ., m. Ouly line running the botel cara to Now Yorke CHIOAGO & PAOIFIO RATLROAD, Depot rurner Chicuga-avente Tickot Thico 6o Linpiaiuate w0 LArrabe Arttve. | Derart, e sesseen) B ai PITTSBUEG, FT. WAYNE & CHIOAGO RAILWAY. | Lever ) e, * D:00 8, M. | unlay Sxcentcd. {Dally. {Saturday excepied. troet. 1)londey exceple BALTIMORE & OHIO RATLROAD, Tratosfeaye from Expostion Bufldi, for ot Mou. 8L, -0 Clark-st., P trand Paciac, aud Dopot (Exposition Bulldige. Leave. + 71408, m. s 8110 b s Bi3aa m.]|5 105 § 3:04 . .| Accommodatio 1iay Expre Fait Expresa 11ally, Datly, Sundays excepted. CHIOAGO, ROCK ISLAND & PACLFIU Depaly curner of Vi luren wnd beriy otlice 50 Clark-ui., Slherman My n M0, QOmaha, Leavenw'th & Atch F: Leru Abcommodation,. Nixbi Expreas., . LAKE NAVIGATION. RICH'S STEAMERR For Mitwaukee, ctc., dally Suturday Boot don't feave w Tor Grand Ilaven, Urand dally (5undays exeanted). . Yor bt. Josepli and Bentun Wirbor, days cxcepted) .. LED L OA . DR, JAMES, Lock Rospital, or, Washinaton & Frankllz-sts, Clisrtered by the Btata of Iilluols for the express pure powe of glving tmimnedlate relfof In ail cases of private chronlc, and urinary diseasos in all thelr cutnplicated forins, 1t 1s well kuowa dist DIL JAMES hua tood sy tho head of 1Na prafeulub fur thy part &) years: Agoau expericnce ure ail-important. ~ Remlinn X it Touten Ly dreams, plintieson, th Tisod, can podltively be cured. Ladies wi dellchte atientlon, call or wrile, 1 tlenta. * A Look {or the miilu “l"li of Medicine (e weveary), Tongest loeated, largest pri Curonle aud Bozual Diseas GUIDE, ‘0 171 Mudlaou-st., cngu, 1l perminei DR. STONE, s, it Disedscs, Beminal Weaknesa, Sexusl Debilit nle Disearca, &v, Orerdl, 00hcases cured. nteed of muey refunded.’ Carges ruason. riues agut everywhere, Conaultation free duntlal, personally or Uy ihall, A book ole 175 te Clavicent. curs ol iMlonrag, Ch) ted, personully or by nall, frea of 018, U A, . Iuyflu‘ ¥ 3 Bundays from v 19 12, AJERVOUS KXHAUSTION—A MEDICAL E38AY, I EEietug w serlonof devturca dellvered at Kanns M uiuf Augiajiy, Nuw YUrk) o i ceieand curs reiaturo iid, yuuwiu, 0 ow o3 BB T R alhint AT b clea ayuopals of tie Jwmpediusents to narriage, and Wic Lrealinenl of nervous B atea debivity, betng the Tosuls of 30 years' oxpor Tende, Price 23 ccnt reas tho sutiar, DR, L. d, KA, olice sadrealdincnt Erst Teath-abos BUWY G2