The New York Herald Newspaper, August 14, 1848, Page 1

MORNING NO. 5183. EDITION ASTOUNDING DISCLOSURES or THE CANAL BANK, ALBANY. | (From the Albany Knickerbocker, Aug. 12.) The Report of the by stat Agents of the Canal aks | To M. Futon, Comptrollei | The undersigned, special agents, appointed on tho th day of July last,to examine into the affairs of the Canal Bank, and as far as lies in their power to se- cure for destruction all the circulating notes of said bank then in their po session. and prevent from waste or misappropriation, any of its funds or assets, and secure them for the benclit of the creditors of said ? most respectfully beg leave to present for your eration, the following abstract of their investi. ‘That they reluctantly entered on the du- | ties assigned them, with a due esiimation of theirim- | portance, and a deep condition of the accountability resting upon them, in view of the important and dimi- cult trust confided to their investigations, They did not anticipete at the time of the appoint- ment to the unsought jor and undesirable duty, that | they would be called upon to investigate any transac- | tions thet would conflict with their own feelings, or in ‘any cuse bear unfavorably upon the character and re- | putation of those who they have been taught to esteem avd respect—those who have been their associates in | business and otherwise, and whose honesty and integ- | rity they have deemed unimpeachable. | Such duties are embarrassing and assiduous to dis- charge, requiring firmuess of purpose, united with the greatest caution and deliberation, It has been the Universal opinion, and sincerely believed to be the case by many individuals in the city, that the funds of the | nk for a period of time have been used for speculating Urposes, and that abuses of a criminal and vat- | ed nature have been perpetrated for a number of years upon the stockholders and creditors of the in- stitution ; and now, from the result of the examina- tion, it is mest conclusively demonstrated, that their Worst fears are more than realized, and the repeated | insinuations that have come to their knowledge de- scriptive of the illegal practice on the part of the officers and directors of the bank, are truths and facts, and not the result of imagining or erroneous suspicions. From such a state of public feeling on a matter in which a large portion of this community were interest- ed, we are led to the conclusion, that nothing less than | a full and thorough investigation of the conduct of | the managers and officers of the bank would in the least satisfy the public mind, do justice to the inno- cent, and be the means of averting odium, and putting to silence imputation prejudicial to the other institu- tions of the city. ‘The epecial agents, immediately after their appoint- ment, with the consent and approbation of the cashier, took porsession of the assets, books and papers then in the bank, and proceeded in theirinvestigation, After a short progress in that examination, they became pos- gessed of evidence sufficient to satisfy them that the bank was insolvent, and they deemed it their duty to make an affidavit, a copy of which is hereunte annexed, setting forth many of the most prominent facts that had led them to such aconclusion On the 14th of July, the Attorney General applied for and obtained from the Supreme Court, an injunction, and subse- quently one of the undersigned was appointed by Judge Hai the receiver. » The special agents, in compliance with the direction en them, secured all the circulating notes then on and. and preserved the available assets. Hereunto attached will be found an inventory of all the pro- porty; of every description, that has come to their nowledge, cenridered as the effects of the bank. They deemed it also justifiable and proper, to submit for your consideration and examination the testimony of the oflicers of the bank, ¢xamined by them under , with such abstracts from the book of minutes as tend to show their management in regard to the af- fairs of the bank ‘We have attached, also, to this report, among the documents appended, a liet of the stockholders, with the amount of stock owned by each, and a separate list of that held and owned by the directors, together withthe amount of the directors, indebtedness and liabilities to the bank. with the liabilities of John T. Crew, the teller, embracing the sum loaned by him to some of his relativvs, and others, together with a list of the officers of the bank, at the time the examina- tion commenced. ‘The following statement embraces the aggregate amount of the resources and liabilities on the morning of the 11th cf July last:— AsseTs. Bills receivable, discounted and past due,, .$377,822 50 va «~~ ’ past due, under protest... 126,233 69 a « ‘on demand, short notice,.. 183,702 63 “ « in hands of attorney,.... 71,366 67 Bonds & mortgages, stocks and certificates, 97,090 98 Real estate, principally in Michigan, 2 67157 90 Gold, silver, bills, & 1,321 54 Due from banks. 99,053 87 Over drafts... . 990 98 Bank furniture, LIABILITIES. + ++ « «$800,000 00 +. 467,547 08 46.633 72 24,539 34 Capital stock, Due to banks, Commissioner canal fund. ‘Treasurer of State,.......+. Circulating notes,. .248.970 00 On band,.... 5 Due depositors. $1,174,022 07 Deficiency... ee cee eee eeeees ce eee s © $107,080 70 ‘Thus, it will be perceived, that of the entire avails of the bank, embracing a large amount, invested in real estate, estimated above its value, and a much greater sum in the course of litigation and in the hands of torneys for coliection, there remains the enormous sum of one hundred and seven thousand and thirty dollars and seventy cents, to be accounted for. But in order that you may be in possession of the facts as they really exist, it will be necessary to explain some recent transactions in which the financial officer of the bank was the principal actor. During the investigation, and before the court had | sees the receiver, the cashier presented to-one of the agents the following notes:— E. Croswell’s note, dated on demand, 13th | Oct., 1847, endorsed Theodore Olcott, $20,000 00 | E. Croswell's note, dated on demand. ‘80, 1847, endorsed Theodore Olcott... 8,125 00 John Keyes Paige, President, note, endorsed Theodore Olcott, Treasurer, dated Sth = October, 1847... 00. .2+eeee0s 6.775 47 Do. do. do. 2d Sept, 1847,. . . 6491 67 | H, Dwight's draft, dated July 14th, 1648, on Cashier of Canal Bank, Albany, in favor of E. Crotwell, only. ssessevresee e+ 50,000 00 | $91,802 04 At orabout the time the above was handed us, it ‘was remarked by Mr. Olcott t he was in possession of a power of attorney from the “Pratt Bank of Buf- falo’ to borrow and loan money on their account, and that be had borrowed from the Canal Bank about the sum that appeared there due from the Pratt jank,and desired that the notes be passed to their credit, and then their account would necessarily be balanced.. This explanation did not appear satisfactory nor plain to justify the agents in balancing the account | ait Bank without a more explicit and full examination of the whole matter It was but afew days until information was received from the gentle- | men owning and managing the Pratt Bank of Buffalo, | that they fad many months since closed their busi- | ness transactions with the Canal Bank of Albany, | and that they had no knowledge of a single business transaction of any kind or character subsequent to | the 15th day of May last, when they made a draft of over $4000. the amount then due them, on the Canal Bank, in favor of the Messrs, Washburn & Co., of this city. ‘Thus it will be seen that the pretended indebtedness of the Pratt Bank was only © cover for a large loan | made from the funds of the Canal Bank, to a few of its | directors.“In order that you may bein possession of the ‘actual defalcation and deficiency, your agents present | the statement corrected, showing it to be one hundred and ninety-eight thousand three hundred and forty dollars and fourteen cents, For a more full and satis- factory explanation a copy of the ledger account with the Pratt Bank, for some months past is hereunto at tached, | On the next page Will be found a correct statement made from the books as they will appear, deducting the gum of $91,309 44. reported as being due from the Pratt | Bank of Buffalo, and leaving in the hands of the agents | notes of &, Crosweil’s, and other, not enumerated, in | the resources of the bank Statement of the assets and liabilities of the Canal Bank? | as per inventory hereto anneced. | rs sets Bills receivable... «+ “past due... © ondemands...seseeees in hands of attorney. iene Bonds and mortgages, stocks, and certifi- . 97,090 98 | 67,157 91 | Gold, silver, Kc. “7 1,821 64 Due from banke.. s+. s+. + Deduct Pratt Bank, Builalo. 7.744 43 Overdrafts « ceecveee 62,001 98 Dank turaiture LIABILITIES, $200,000 00 Capital stock. . 467,547 06 ban! Commissione ‘Treasurer State of D the law reguiating such institutions be enforced. It will be seen on a careful examination of the schedule J. marked “ cash items,” “ teller drawer,’’ hereunto ai nexed, that a system of peculation had been practiced by the teller, a8 constantly absorbing a large portion of the funds belonging to the bank, the use of which ena- bled him to discount chee: nd notes for particul: favorites. besides having am individual indebtedness of more than thirty-three thousand dollars. The special agents herewith present, in order that you may understand more satisfactorily the extent of the deficiency, in detail, a copy ef the statement of the Canal Bank. sworn to by John Keyes Paige, President, and Theodore Olcott, Cashier, on the 19th day of April last. The statement is copied from the original on file in the Comptroller's office, verbatim, giving some alterations and corrections that did not appear upon the printed copy:— Statement of the condition of the Canal Bank of Albany, on the morning of the 4th day of March. 1848, | RESOURCES, | Loans and dircounts....... veces "$619,896 98 Due from directors of the bank. . 81074 46 Real estate....... Bonds and mortgages... Stock and promissory notes Due from broker! Bavk fund... Overdrafts Bills of suspende ‘Add for cents...., $1,204,840 80 LIABILITIES | Capital stock. .....+. +++ $300.000 00 | Profite...... cig ese | 16,226 68 Notes in circulation not re- gistered .....seeees ee. 3,781 00 Rogirtered. . 2. + 155,575 00 Due depositors on demand.. 76,580 49 Due individuals and other than banks........ 6,263 90 Due banks....+.++++++, 506,603 ST Due Commissioners Canal Fund..... + 189,819 00 Add for cents ‘ 08 ‘Total liabilities. . ——— $1,204,846 80 Signed, J.K, Patcr. Turo. Ovcort. Sworn to 19th April, 1848. James I. Johnson, com- missioner of deeds. Among the “cash items" of the toller were found two checks, one dated Jan. Ist, 1849, for $4,557, signed J.L. Crew, and one dated July 1, 1849, for $4,280, signed “J, T. Crew by J. L. Crew.’ These checks were held by the teller as cash, and so counted daily on ba- lancing his accounts. It will be observed that one of the checks is dated ist of July, 1849, and the special agents detired him to explain why he appropriated the funds of the bank, and substituted his own check, dated about a year in advance; to which he replied that ‘he was frequently ‘away’ from home, and, in travelling. he did not know how or when death might overtake him, and that he took this precaution, that his executors might have ample time to tle his af- fairs before his indebtedness could matu: On examination, it is found that a large portion of paper discounted is made payable with interest, and checks were discovered among the “ cash items’ to pay, interest, &c.; and that, too, by persons who have een owing the bank thousands of dollars for years, both for principal and interest, and, at the same time, receiving their semi-annual dividends, at least, a thou- sand dollars a year, Among the many transactions which have come to the knowledge of your special agents, the following is deemed of importance enough to communicate :— Mr. W.M. Ostrander, of Syracuse, came to the city on fhe 8th of July, (two days before the bank failed) calling at the Canal Bank, and requested that the shier would discount for him three notes for $2,500 each; he was informed that he would discount them, and gave Mr. Ostrander a blank check to sign, in or- der Lo draw the money, which done, the cashier gave him $7,500 in Canal Bank bills, Mr. Ostrander re- turned home, and hearing of the failure, immediately returned, expecting hat he would have no difficulty in exchanging his bills for the notes; but to his aston- ishment, was informed that the Mechanics and Far- mers’ Bank held the notes, and claimed that}they had discounted them, and they produced a check on that bank signed by Mr. Ostrander, showing that he had signed a check on the Mechanics and Farmers’ Bank, instead of the Canal Bank, the business having all been transacted in the Canal Bank. Mr. Ostrander still declares that he never had any communication with a single individval connected with the Mechanics and Farmers’ Bank, in any way, in relation to the loan. A transaction connected with the account of M.R. Eames will further expore the gross mismanagement of the bank. It appears that Eames called at the Canal Bank a few days before its failure, and left for collec- tion two notes and one draft, and at the same time drew his check for $3,000, and authorised the cashier to place the same amount of funds in Buffalo, subject to his order, agreeable to the arrangement which existed between him and the cashier ; after Mr. Eames had left the bank, the cashier states that he was in- formed by one of the clerks that Eames’ account was overdrawn, and he therefore discounted one of the notes, amounting to $1,800, signed Stephen Paddock, and endorsed M. R. s, to make the account good. It is denied on the part of Eames that his account was overdrawn, and that he was entitled to balance in his favor with- out any reference to the Paddock note ; it also appears that this note was discounted by the Canal Bank on the 8th of July, and rediscounted the same Le dey the now held by Mechanics and Farmers’ Bank, and them; 8 protested on the 15th instant, and Pad- dock hi een sued for the payment of the same. The account of Edwin Croswell shows a balance due bim (without any reference to the notes and checks which he owes) of $20,826 10. To make this, a credit has been made of $24,000, either on Monday afternoon, or early on the morning of Tuesday, (the day the bank failed.) On enquiry, the teller stated that he was unable to say whether the credit was made on Monday after- noon or Tuesday morning; that nothing in the form of a deposit was received by him from Mr. Croswell; but that he was directed to give the credit on the cash been given ; this credit being deducted, leaves Mr. Croswell’s account overdrawn upwards of $4000. In connection with this, it = to state the cir- cumstances under which the bank holds a bond and mortgage (held as collateral) given by Mr. Croswell on his boure and lot in Elk street. The bond and mortgage is dated August 1, 1842, and is given for $6,500, and was found by your agents not recorded; the explanation given is, that at the time it was drawn it was not considered of much im- portance, inasmuch asthe property was already mort- gaged for about its value. It cannot be expected, nor will it be pretended, that this report will be accurately correct, or to be relied on other than as an approximation towards what may hereafter be ascertained to be correct. The individual acting as book-keeper for the last two years, has, from some cause, grossly neglected his busine: nd conse- juently the books of the bank have been left in a mys- ifieg and confused condition. A great portion of the accounts have been incor- rectly balanced; entries to wrong accounts, credits entered on the debit side of the ledger, entries made on the cash book. from $100 to $500 short of the amount | received, and blunders and errors of like kind on al- most every page of the booke. ‘Thus it will be seen that it will by Sa a long time, with patient investigation, to bring the accounts to a Pact where they can be properly settled, and finally adjusted. uring the examination of the teller under oath be- fore the Attorney General, the cashier was informed that during the afternoon of that dey he would also be examine in relation to matters connected with the bank. Accordingly a notice was sent to his house with directions to appear that afternoon, at 3 o'clock, to which no reply was received. nor a reason given for his non-appearance, He was also notified to appear on the following Monday, but he still neglected to appear, and was not examined. ‘The necessity isto be regretted that has thus com- Hed your nts in theinvestigation to communicate facts that may injure the feelings or wound the sensi- bilities of those connected with the persons alluded to, either by the ties of friendship or kindred; but they owe aduty to the innocent victims of rapacious lation, to the fair Hy, sot wn of the city, and it: tutionr, which duty they have performed with a contol- entious endeavor to merit the approbation of those who love truth and revere justice. i Examination of John L. Crew, Teller, Augustus S. Hills, Book-keeper, and T. H, Knower, General Clerk. Suny 14th, 1848. Joun L, Crrew— Querseion. Were you the teller of the President, Di- rectors, and Company, of the Canal Bank of Albany, commonly called the Canal Bank, on and prior to the | 1ith day of July instant, and how long had you been | euch teller? | Answen. I was the teller on the 11th of July instant. | How long I cannot tell, without reference to the books. ad been such teller about three yea Q. Have you any knowledge of the removal or trans- fer, or change of possession of any notes, bonds, bills, or any other kind of evidences of indebtedners to said bank, or of any money drafts, or bank bills, being re- | moved from said bank, at any time within a week be- fore the said 11th day of July A. Yes, I have, Q. State what securities, moneys, or hank notes, have been within that time removed or transferred, and open to the beoks, or other evidence kept in wri- ting in the course of the business of the bank, show- ios ry fame. . I refer to the book receipts, cash book No. 32, Cireulating note Onband...... Due depositors Asseticccens 40 14 ‘The foregoing shows that the son the day ofits failure, had previously rquandered nearly two-thirds of its capital, $1 ) 14, Besides this, the directors bad borrowed, many without a shadow of seourity, the enormous sum of $105.40 14, independent of their lia- Dilities as endorsers for $174,060 29. It cannot be dieguired that illegal and improper prac- tices have been for Fome years perpetrated by the offt- cers of the bank, for which the eniferers demand eat] fact! nat : Canal Bank, from date of id of July, 1848, On that | day.1 should have on hand, according to the book, | $181,072 23. The left hand column of the teller’s ex- change book, under and after the cate of July 3d, shows the transaction of the exchange with the different | banks in this city and Troy; it shows that truly, un- intentional and unknown errors excepted. The entries on the right hend column are the items which were re- ceived of other banks, a8 faras iknow. Iam able to | eny it contains a true account of all that was received from other banks. ‘Thero were other moneys out of the bank duris¢ that U payment of checks drawn by persons baving in the bank, There checks are charged on the debtor cash book, marked disembureements, cash book Ne. 32, Canal Bank. The entries under and after July 3d, on that book, show all the checks and vouchers for all moneys which were disbursed and paid out, or parted with, during that time, to my personal knowledge, Q. Have you any reason to believe that any moneys or bank bills, or other evidences of debt, or property of any ription, was paid out or transferred, or in any Wey removed from the bank within that time, except those already stated by you? A. No, sir; not to my best recollections. I was in the bank all the time during the usual business hours. from the 3d to the 11th of July. Q. Were youin the bank on the 10th of July” A. Yes; | was here in the mornirg, and until 9 o’cloc’ in the evening. 1 did not do any thing in the evening. Q. Who else wasin the bank that evening after business ? A. All the clerks about, towit : Mr, Hills, Mr. Jen- kivs. lrecollect no other clerks. The cashier and Mr. Knower, a clerk, and a Mr. William McPherson, the errand boy, were also in. There were other per- sens in; could not remember who ; not any of them positively. Q. Were there any of the officers or directors, or stockholders or depositors of the bank in the bank after bank hours on that afternoon or evening ? A. L could not Hegayh how many persons there were. Q. Who, according to your best information or re- collection ! A. I think Mr. Edwin Croswell and Mr. Thaddeus Joy may have been in; as for anybody else, I have no sort of recollection of anybody. Q. About what time do you think that you saw Croswell or Joy in? ‘A. I could not say. Q. Were either Croswell or Joy in after dark” A. Not to my knowledge. Q. Were either of them in after 4 o’clock in the af- ternoon? A. Not to my knowledge. @. What is your best impression or information whether they or either of them were in after 4 o'clock? A. I have no impression or information about it. Q. Where was Joy or Croswell when in the bank that afternoon after banking hours. or in the evening? ‘A. In the cathier’s room, the office; I presume ; the cathier was with them, nobody else to my knowledge. Q. What were they doing in the cashier’s room or office ? A. I don’t know. Q. Have you no knowledge or information, direct or indirect, what they were doing there? A. Not any. Q! What time did they leave that place last, as near as you can now recollect or judge” A. I have no impression of it whatever. Q: What part of the bank were you in at that time ? A. At mw counter in the room, Q. Did you go out of the bank leaving them in, or did they go out of the bank leaving you in? A. 1 think it was before dark I last knew of their be- ing in the cashier’s room, or in the bank any where. 4 Qa. (What were you doing at your counter at that ime ? A. Figuring, to balance my cash. It was after past 8 o'clock. I think I can’t recollect or give avy account of the time of day. I quit my desk at that thine when trying to balance my cash Q. Who was in the bank Tecollect beside yourself? A. Mr. Jenkins. Q. What time did Mr Jenkins leave the bank that evening ? A. At about nine o'clock. Q. Were the candles or lamps lighted? A. The gas was burning. 4 a What was Mr. Jenkins about up to the time he e! ‘A. Did not seem to be doing anything. Mr. Jenkins and myself had went out about $ o'clock to supper, and returned about a quarter to nine. Q. Was anybody in besides Jenkins when you re- red? A. Mr. Hill; nobody elee. @: Have you no knowledge or information about whet was done in the bank after bank hours that after- noon or evening, except what you have stated A. Ihave not any. Q. Was it a usual oceurrence for the clerk or officers or others connected with the bank, to be in the bank after the bank hours, as late as nine o'clock? A. When there was work to be done it was usual— not usual lately. Q. Was there work to be done on the evening of the 10th of July, that called them here to your know- ledge ? A. ast that evening, that you es. Q. What was it? A, The balancing (f the books for the day, making remittances for New York, forwarding packages to our | western correspondents, western banks, and our mis- janeous business—I can’t specify all now ; that was c the principal. ose. Qe Did Th Duslness @ transacted that afternoon and evening, according to the usual course of busi- ness, require the presence of the cashier and Mr. Cros- welland Joy? A. No sir. Q. Did you know what they were in the bank for? A. No, sir. Q! Had there been any of the clerks or officers, or sons connected with the bank, in the bank after nk hours during or previous to the 10th of July ? A. Yes. Q. Was there any onethere on the evening of the. oth? ‘A. Not to my knowledge—that was Sunday evening. Q. Was ations any one there on the evening of the > A. Iwas there on the 8th ? Q. Do you know who else was there ? A. No distinct recollection. The cashiers, Mr. Hill, Mr. Jenkins, and myself; none of the directors to my knowledge. | know of no business that was transacted that evening, or anything that was done inthe bank. There was nobody in after dark on the evening of the 8th, to my knowledge. Q. Had you at any time previovs to the said 11th day of July, any knowledge or information of any of the directors being in the bank after banking hours ? ‘A. Not to my knowledge. Q. Who are the directors? ihadsun Joy. 8 We tlodg Elisha’ N: Pratt, Archd: Thaddeus Joy, S. W. Hoag, Elisha N. le McClure, Henty T. Messick, Ldward Arteher, Theodo Oleott, carhier. Shulah Cady, Robert C. Russell, D ord, Charles Van ‘Benshuyeen, Cyrus Hawley, Edwin Croswell. July 14—after dinner. Q. When was you absent from the bank, and when did you return in the month of July ? : A’. Twas absent from the morntng of June 21, until the morning of July 30. Monday I was in the bank. It was my impression all day. Q. Was you familiar with the cash transactions, in relation to your cash accounts from the time you came home until the 14th of July? A. To the beet of my recollection I was. Q. On the morning of the 11th, when you came into the bank, were Thaddeus Joy and Walter Joy in the bank ’?—do you recollect that ? A. Ido not. Q. Doyou recollect that they were in the bank that morning? A. I fo. not recollect pay. Iam not positive. Q. Do you recollect of their standing at the end of the counter in the bank when you came by with the wee drawer or papers. to briug it into the cashier's room A. 1 do not distinctly remember. Q. Do you say positively that you have no recol- lection of Fhaddeus Joy and Walter Joy beng in the bank that morning ? A. To the dest of my recollection I do not know that they were. Q. Do you recollect Walter Joy’s receiving any packages of money from the 7th to 1th of July? A. Ido not, to the best of my recollection. Q. Is that your memorandum of entries of cash, and is that your cash book! (quarto bound, sheep- skin.) A. It is, andl rnp that it is my writing. ‘Tho star refers to.an excess of cash of $10,000 ; there was @ mistake of $10,000 in the footing. . Have you been in the habit, since you were teller in the bank, of receiving sums of money of per- sons for getting notes discounted ? A. To the best of my knowledge | never did. Q._ Have you ever received money from individuals who bad notes they wanted discounted. for getting them discounted,.while you were teller of the bank? A. Yes Ihave. I have sometimes discounted notes myrelf, at a little over the interest, of my own money. To the best of my recollection it is at least a year since I received a tee in that way. Q. At what rate did you discount? F _ aaa no remembrance of any particular rate of interest. Q. Did you ever discount note in that way after the bank had declined discounting it? A. To the best of my recollection I never did. Q. You a ou have received a premium for dis- counting. Where was the money obtained which you gave for them? A. It was either my own or that of my friends, Q. Did you never have funds of t) nal bank for the purpose of discounting notes for which you had obtained a premium? A. Not to the best of my recollection. Q. Have you never taken money from the drawer of the bank and discounted paper and loaned it to indi- viduals? ‘A. Thaye loaned individuals money, sometimes on cheeks; the money was the money of the Canal bank. Q. I want to know whether you ever taken money belonging tothe bank from the bank drawer, and loaned it to individuals, and received the premium yourself, deposited your own check or your father's check in the drawer in substitution of the money so taken out? A. Not to tie best of my recollection. Q. Are you not now indebted to the bank for money obtained (4 you for yourself and for your father, act- ing as higattorney; and if so, about how much? A. lam indebted tothe bank for money obtained by me for myself, but am not indebted to the bank for CT rg! obtained for my father, not as I understand it. Q. Have you a power of attcrney to use your father's name! A. Yeo, or the cashier has it, which is the same thi Leuppore itis im the bank. Have you ever teen any money from the bank, ubstituted for that her's cheek? Thave. 0 Pew mre’ 7 x de July 1, 1849, and asked : money, or what was equivalent to the money, and sub stitute this cheek for it as cash ? is a renewal of an old check for a ich bas been in the drawer for | n't know what was given for that | the money, or its cjuivalent, the It we A, Ih power it; be told me I might de it. Q. I want to know where the account is of tho in- | terest received for this money, if the bank ever re- | bank that night or Tuesday morning, or at any ti ceived any interest from it? A. The bank has recei book that is in the vaults called @ book of incidental expenses, Witness produces a small octavo, bound in russet sheeps skim, and sa; which the receipts of interest were entered. are sums of money entered as received, but nothing said about ilems. 1847, July 11, 1848, With ‘books ever since the 11th, gnd has not been opened. Q. What was the amount cf the balanee of inci- dental expenges on the book up to the Ist March last, and when wasit charged to profit and loss? A. About $96.612 08, and it was charged to profit and loss July 10, 1848, Q. Has the balance on the last book accrued sinee last Mareh ? A he balance charged to profit and oss Ist | March,of $6,612 08, the items are not charged on any book, except that which is lost. Q. Did you ever discount notes for William Mon- teath, at different times, and receive a3premium of $5 Q. Did you ever discount notes for him ? A, Not'to the best of my recollection, Q: How is a check signed by J. L. Crew, yourself, for $7,319, dated January Ist, 1845, the January erased and July inserted, with the sand Explain'what was given for that check, and I want to when? ‘A, Lcould not specify for what it was given. The value war given either in money or some indebtedness | had at thebank. It was altered from January to July, for re- newal. and to save writing a new check, When it was done | don’t know. Q. When was the interest paid, or did you not pay interest ? A. I can’t tell where the interest was entored, or whether it was entered. Q. Then there was none? A. I do not know. I presume the interest was paid. Q. There is a check of George Jones, dated the lith of August, 1848, for $500, payable to J. L. Crew. What was that for? A Fer renewal of an old check. My fathdr had the money of the Canal Bank for this $500 check, for which the Cannl Bank held this check of George Jones, which my father is to pay. 1 think the transaction was sanc- tioned by the Cashier. did not object to it. Q. There are two checks ; one signed by J. L. Crew, for $1500, dated Ist Dec. 1848; another signed J. L I think he was aware of it, and for thore checks ? A, My father received through me the $1500, for which IT deposited those checks; and I received the other, and deposited my own check in the same way. Q. Here is note drawn by A. Newbury for $100, da- ted 19th June, 1848, payable in 45 days, endorsed by J. L. Crew. Was that note discounted by you? A. That note, with I think the interest, $155 07, was received for | a pone on the 19th of June, of J. —'s note for $255 07, payable on the 26th day of June. I received nething for it. I discounted this note for that purpose. I don't think the cashier knew of this. All my checks in the bank are for monies. I took and de- posited checks in lieu. I am ready to pay all I owe tho bank, and pay father’s also. The bank is indebted to me sufficient to pay all lowe. They owe me on checks and claims I have agamst them. Q. Did you yesterday go toa number of the custom- ers ofthe bank, and say to them that you would pur- chase their demands against the Canal Bank, as you wanted to make it an offset to a demand the bank had against you, and, if you succeeded, then you would pay thein for the amount so assigned? A. i went to them, and desired to purchase their claims against the Canal Bank, for the purpose of an offset against my debt due by me to the Canal Bank, and without any promise of any further remuneration. Q. ips you buy any’ $8,000 gave only $1 00 2,000 gave only , 1 00 1191 “ 100 S82 hs 100 x 1.200 ¥7 100 Wilber & Selkirk . = 100 Adam Aldrich, about.... bc 100 S. M. Parke. 2) 100 W. H. Boj “« 10 Van Heusen C! 0. cheek on Canal Bank, . 646 4 100 Canal Bank check given same for $6,000, Pepoon, Hoffman & Co. Jobn A. Sickles. . 124 * 10 M. ae . id bo a q be 4 J Exich & Co 7 * Danlel Cole... sees 40000“ 100 1 took assignments of these demands yesterday and to-day. Q. Is the Canal Bank insolvent? A. 1 do not know Q. From what you know of its concerns, do you be- lieve it to be solvent or insolvent ? A. | should think the bank was solvent, to the best of my knowledge. Q. Do you think it has available assets sufficient to pay all its debts, including the deposites and the stock ori lly paid in and the billsin circulation? . No; but I believe it is able to pay its deposites and circulation, I donot know the amount of de- Beeetly the circulation was stated yesterday at $196,000. Q. Did you know as much about the bank affairs, as to its solvency, yesterday, as you do to-day? A. In making my estimate, 1 count the amount due Croswell, Joy and my father to be good. checks here, one of James Van Ar- nam for $700, payable to the order of John T. Crew, on the first of Octobor, 1848 ; one check of $1000, drawn by Ira Harris, payable January, 1849 ; one check $600, M.S. Wadley & Co., dated July 1st, 1848. Did you count them as money? A. ldid. They are the same as the George Jones check, they are for money loaned to my father. Q. What amount of checks had you in your drawer of the bank, similar to those last mentioned, that is taken for money loaned out to individuals who de- posited them ? A. I should think $60 or $70,000. Q. What amount of said checks were taken by you in that way, as cash, without the knowledge of the Board of Directors, except the Cashier, A. They were all so taken. | don’t know that the Board of Directors knew of it. Q. Did the Board of Directors, while you were in the bank, mal practice to examine the affairs of the bank, previous to declaring their semi-annual divi- dend! A, They did not. They did make w such exami- nations since I have been in the bank, which is thir- teen years; don’t think they have made one within two or three years past. Being uske by Mr. White, he says, there was. pack- of $8000 of the Canal Bank bills, sent to some one on the Erie Railroad; that was within ten days of the pre- sent time. The package ‘was delivered to Mr. Marlett, | acontractor on the Erie Railroad, I believe, for which | [received his check, which check is charged to him on the ledger. That must have been on the Sth of July. Q. What credit bad Marlett in the bank, that you should oe him $8000. A, The check was erroneously charged. He was to remit a draft, as I understood, of the N. Y. and Erie Railroad Company. This money was given to Marlett by the direction of the Cashier. [paid Mr, Plumb>wf the New Yerk State Bank, on the morning of the failure, in Canal Bank bills, about $5,900 altogether, by the direcffon of the Cashier, On the afternoon of the 10th of July, the circulation was 000, at about 3 o'clock; and after 3 o'clock, I id the Mechanic: hole then in circulation was about $179,- Issued, registered and unregistered. Handed over to White & McMullen Circulation on Monday afternoon. $172,000 Plumb, 5,3 Mechanics’ Bank $179,291 Not accounted for. . $0,844 But witness says he sent a package of $3,000 to Pe- poon, Hoffman & Co., about the 14th or 1th of June, which was not charged to them till the 10th of July ; be was directed soto do by the cashier. Averstus 8. Hit—I have been bookkeeper of the bank three years the Sth day of May last ; | wasin the bank last Monday evening, 10th aly inst); [left about ten o'clock ; Jenkins, the clerk, and Crew, the teller, were alsoin the bank; left about the same time, pre- viously, in the evening ; at eight or nine o'clock, Jen- hing and Crew went out to get something to eat ; were gone twenty or thirty minutes, | should think; | don’t know whether he (Crew) carried out eh om ante bills, cr books; he was busy at my books when he went out; back towards him; Edwin Croswell, | believe, was in the bank that night; don't know whether Joy was or not; Theodore Olcott was; I think | saw nobody in after dark, but E, Croswell, Theodore Olcott,and Thos. W. Olcott ; there were several in and out in the after- noon, after bank hours; | believe principally custom. ers; I. W. Oleott and E, Croswell were also in in the afternoon, after bank hours; T. W. Oleott and FE. Croswell left the bank at about half-past nine; the two Oleotts and E, Croswell all went out together; I had bern directed, im the afternoon. to inapect a poll list, preparatory to the election next ‘ay, while’ the three ‘individuals, Theodore and -NEW YORK, MONDAY, AUGUST 14, 1848. Q. Mr. White presents him a cheek for $4,230, dated Did you give your father the nd from whom, to make substi- there is the book on ‘There This book comes down to August, Another similar one is produced, commencing Hie says there was ene book which he caunot find, The last I saw that book I placed it inthe cupboard, The key is always in the cupboard. Mr, MeMullen says the cupboard has been barricaded I never did to the best of my recollec- | et_on the July ?— | know why it was changed from January to July, and | Crew, for $525, dated July 7th, 1348, What was given | & Farmers’ Bank about + $268,978 00 59,834 90 if | had the poll list ready; in the evening affer they came in, Theo. Olcott eame in out of the back | room and asked me to make out what was the balance | of the discounted bills, as the books showed. | pre- ared it, and aa the three went out together f told ‘heodore Olcott I bad it ready ; he lookedat it, nodded his head. and said never mind now, [ will be back again He did not come back that night, that | s: After | the Oleotts and Croswell went out, f went out to get something to eat, leaving Jenkins, the clerk, and Crew, the teller,in the bank; I was gone! suppose from the Cashier; he sanctioned | about balf an hour; and as! returned, Jenkins and the bank ; we went away. ing was removed from the ° py | Crew were at work closin Ide not know that any th previous to the llth. The notes and bills recei interest, the account ona | were not booked, so that if they had been taken out | should have known it. Q. What amount of deposits were credited on Mon- | 4°y, as appears by the books ' A) Thirty-five thousand, three hundred and twen- ty-one dollars and fifty-seven cents, I was sent foron Tuesday morning before 7 o'clock, and told that there was agood deal to do. The teller made a good many entries on Tuesday morning in the cash receipt book. They are entered on the last six pages; says that K. Croswell was credited tothe 11th inst. $25,000 in the teller’s receipt cash book ; but does not know what it wae for, or whether it was cash, notes, or stock. Has seen the bbok marked “Incidental Expenses; ho | made the charge to profit and loss of $36,000 ; was told | todo it by the teller or cashier; has never charged t anything to profit and lors except. salaries and divi- dends, during the time that he was in the bank, which was more than three years, excepting some small items 'T.H. Kyower.—Was general clerk; had charge of Western money; counted and assorted the same, also counted and assorted Canal Bank bills; was | bank on Monday morning July 10, at 8 o'clock, and remained until 63; o'clock. | Q. Who was in the bank when you came in? | \A. Think Jenkins and the cashier were ali; had charge of the cash account from the 21st June ‘until about the Ist July, auring which time the teller was | out oftown. Took it for granted that the “ Cash Items”’ in teller’s draw was correct, and wade up his account from the endorsements om the wrapper. Mr. Hill as- sisted him, and made most of the entries on the cash | boek ; does not know of any money being on hand on Monday evening or Tuesday morning. belonging to the bank, except it might be asmall amount which was on tho counter ; suppored that a package made up on Monday afternoon was for Pepoon, Hoffman & Ten Broeck ; supposed it to be New York or Eastern funds ; was never in the habit of sending their own bills to Pepoon, Hoffman & Co. Q. Would you be likely to know if Canal Bank money | was sent to New York at any time to pay exchanges ? | A. ‘Think he would, and has no knowledge that it ever has been done. Q. Did you ever know Crew to discount notes on his own responsibility ? A. He did not. July 16 —At our request, the Attorney General sent a note to the cashier, Theodore Olcott, requesting him to appear before us at 8 o'clock, to be examined, touch- ing the affairs of the Canal Bank, but he did not come ; and on Monday, the 10th, we sent another note (with a like request) ‘to his house, and to such other places as we supposed he might be found, and, after diligent search of several hours, we were unable to find him. July 17.—Augustus Jenkins, brother-in-law to Cashier Olcott. and discount clerk, positively refused to be ex- | amined. ANDREW WHITE, | THOS. McMULLEN, Special Agents. | Interesting Fashionable Intelligence PrROM SARATOGA SPRINGS. THE GRAND FANCY DRESS BALL. The Descriptions of the Affair. For several weeks past the fashionable world at the” North, has been industriously employed in preparation for the first grand affair of the sea” son, the Fancy Dress Ball which was announced to come off at Saratoga on the 11th inst. Fora long time previous to that date, all the apart- ments in the principal hotels were engaged, and hun- dreds of applicants were unable to procure rooms at any price, but were obliged to put up with a seat at table, and to sleepin the cottuges—some of them far distant from the hotels. No less than nine hundred persons dined at the United States for several days previous, and Congress Hall, as well as numerous other public houses, was filled to overflowing; anda the crowds of visitors jostled by each other, their pass- ing remarks were devoted to the all absorbing topic of the approaching festivities. Those who had been at the Springs for some time, were impatient for the arri- val of the costumers and coi/feurs, who at length arriv- ed, and announced themselves in readiness to receive orders. J. G. Taylor, of Prince street, and J. Dejonge, the costumers, opened their rooms and displayed their goods;whilc Messrs. Barker, Dibblee and Paul, of Broad- way, announced themselves in readiness to curl, pow- der, and arrange ladies’ heads to the satisfaction otf their fair customers. ‘And now the work of preparation commenced in earnes Servants were despatched from all juarters, and insisted upon their mistress’s orders being at- tended to immediately. The stores of Mr. Gilbert: and Madame Sazot, dealers in embroideries and nouveaulés, and of Madame Ferrero, were thronged with purchasers of fineries and nio-nacks in their line of trade. At the rooms of Mr. Taylor the usual scenes were enacted, By no means the least interest- ing par‘ of these fancy balls is that which is to be seen in the costume rooms. Imagine a suite of apartments in which are displayed, upon shelves and in trunks, the wearing apparel of the people of all nations, from the Esquimaux to the Patagonian, and from the Russian to the Hottentot. With all this display presented to the eye at once, it is most difficult for the uninitiated to please themselves, while the old stagers, grown fas- tidious by long experience, are as difficult to suit as the novices; so that chaos is exemplified during the hours of selecting attire. The following may answer asa specimen of life in the fancy dress wardrobe, In one corner is a customer sans culotte, in pre tion to try on a pair of tights; at his elbow is another put- ting on a hump for Richard III , while a cowled monk, and abalf dressed clown, are discussing the merits cf their respective disguises. is a Chinese mandarin, backed by a jockey and a cavalier; a brigand and a quaker are passing jokes in another corner, and Shylock and Sam Slick are bant ing each other at a counter near by ; Romeo and Nep- tune ore putting on their clothes before the glass, while sailors and Gypsies, Greeks add grandees, are prome- nading the apartments in half-dress. Meantime, the ovnverration is as confused as the costumes are hete- rogeneous. The feverish excitement of the different characters is in perfect contrast to the even temper of the man of dresses, who threads his way among his patrons with as much unconcern asa grocer in the city makes his way among his stock of sugar barrels anitea chests. At an early hour on Thursday, Mr. axvin commenced the work of decorating the grounds 1 ball room at the United States Hotel ; and his men were actively engaged until a late hour on Fri- day. when their handiwork attested the skill with which ithad been performed. Thousands of lamps, of all colors, were suspended from the trees in the enclo- sures, and presented an appearance of enchantment even in the day time. In addition to the la there were to be seen, pendant from the tree piazzas, beautiful little fags, handsomely devised, a cut out of colored tissue paper ‘The large dining- hail was converted into a ball-room for the occasion, and, consequently, the tea tables open air, under the shade of the t closure of the establishme: The handsomely ornamented with various kinds, calculated to render it a fit theatre for the festivities of the occasion. Hundreds of lamps were suspended from the sides of the room, and from the ceiling above, and seemed to change night into brilliant day. At one end of the room was uilt an orchestra, occupied by Schneider's band, who perform- their part ably, In the evening, previous to the com- mencement of the dancing, a pyrotech nic display took auty to within the en- place in the rear of the ball-room, and lent the 6 beautiful. - ‘The rules jand regulations which were intended to govern the participants at the ball were promulgated some days before it came off, by the following mana- ers : Gerernor Young, New York, Colone} Perkins, Boston, Hon, Wm, 8. Archer, Col, James Monroe, Henry A Coit, do, David Graham, do, Francis L, Waddell, do, Hon, Leander Starr, do, Gen. Cooper, Albany, Sudge Tigray Maryland, § NY: . O. Ballas, U. 8. Navy, Pitt, Philadelphia) own, Rhode I a Sen J, Dr. Bedford, do, ore N, Miller, New York, James Brooks, do, Samuel Stevens, Albanye Joreph Belgas do, Clendinen, New Orleans, Stephen C. Williams, do, J.B. Ward, Savannah, L, R. Marghall, Mississi E, Carrington, Providence. Joseph Alston, & Carolina, . N, Millings, New London, Henry P. Duncan, Mississippi, Hon, ©. L, Livingston, N. York J.8. Randal), Philadelphia, Lambert Gittings, Baltimore, Eben Dean, Massachusetts Marry McCal Philadelphia, F. 1, Upton, New York, am John W. Lewis, Charleston, J. W, Steele, Baltimore, IR. Thomson, New Jersey, Dr, Dunean, Mississippi, Hon Duly Selden, New York 8. M. Davis, do, Reuben Withers, do. ‘The following gentlemen were appointed to have exclusive charge of the ball, acting as directors, and to wear scarlet badges :— Joueph Alston, 8, C: Ehon Doan, Mogsachusetts, Wasdy Moca Pi d Henry 4, Coit, New Yor, Dr. Belford, New York, Geo, N, Miller, do, Gon, C Albany, Leander Starr, do, David ew York, James Brooks, do. a ft ten were alse clothe: » their nuu soda In the centre of the room | ere laid inthe | with power | —_ for the government of the Ball were then adopt- ed — Ist. Tickets of admission for a gentleman, with or without ladies, five dollars, to be procured upon ap- plication to one of the directern 2d, No person shall be admitted without costume, except heads of families entering with their children or wards in costume, or gentlemen upon the payment of ten dollata 2d. Macks of every deseription exelnded. 4th Ladies ond” gentlemen are particularly re- quested to nome their costumes to the director fromm whom they obtein their tickets Sth. The manscers will be designated by a bluo badge : | _ 6th. Entrée and doncivg to commence at 9 o'clock Supper at 12, the 7th. Ladies sre respeetfally requested to as- semble in the drawing room at 83 o'clock, precisely. The floor committee were Gen. Cooper, Dr. Bedford, Harry McCall and George N. Miller 3 | All things having been finally arranged, the doors | and gates around the premires were clowd at an early hour, ana strict orders given to the sentinels and door- keepers to admit no person to the house or grounds unless provided with a tieket of admission. At? | o'clock, the hour announeed for the entree, the band struck up a march, and those of the company who had completed their toilet entered the room. and began the agreeable businees of the evening At 10 o’elock near- | y all the subscribers made their appearance, and from | that time till midnight the seene of splendor and | gaiety was such as has been rarely, if ever, equalled in | this country. Elegant plumes nodded, brilliant gems sparkled, and gay colored dresses anc habits were seen flitting about, in a perfect revelry of beauty, Knots of beaux were standing here and there, discussing the | claims of their respective favorites to the title of belle of the room, The question was in no instance deter- mined; and consequently there were some scores of | belles.’ This was, perhaps, after all, the best arrange- ment, as there was no room for jealousies d heart- burnings. The order of the evening was as follows :— 1. Quadrille. 8. Polka, ; Quadrille. 4 Quadrille 5. Waltz 12: Polka, 6. Quadrille 3. Quadrilfe T. Quadrille 14. Walt During the dancing, the sides and upper end of the ball room were occupied by numerous spectators, who enjoyed themselves, and added to the life and joyous- ness of the oc jon by spirited conversation. Noth- ing occurred tomar the harmony of the evening, and not one dissatisfied guest was observed. All gave them- selves up to pleasure and the entertainment of each other The following were among the costumes in the room. We give the namesin alphabetical order, so a8 to prevent the idea of favor being shown to those whoce names appear first on the lists -— LADIES IN COSTUME. Mrs, Dr. Bedford wore a splendid blue dress, and a pink résille, Mrs. Burgoyne, formerly Mies Barclay, of New York, assumed the character of Luna. The material of her drees was @ rich silver lamé, Over the skirt of lame was worn a skirt of Tulle, the poitrine and shouders were covered with blue gauze. Her head was taste- fully dressed, and on her forehead was placed a dia- mond crescent. She carried in her hand a wand, which she waived with extreme grace. Miss Boswell, of Kentucky, was attired asa Bride Her dress was made of rich point lace, beautifully em- broidered. Her friends claimed for her the title of “ Belle of the Room.’ Miss Burrough, of New York, was also dressed as a Bride, and her costume, though vory plain, was much admired. Miss Bedlow, of New York, asa Brigand’s Bride, pre- sented a yery lovely appearance. Miss Bedford, niece of Dr. Bedford, of New York, was dressed in arich white costume, Head dressed with « long white veil; in her hand she carried two beautiful bequets. Miss Chapman, of Louisiana, appeared in a rich Greek costume, which elicited much admiration. Miss Cogswell, of New Brunswick, was attired as a Servant Girl, whose tastefully arranged dress was as a accurate, She sustained her character admi- rably. Mise Colderstrand, of New Orleans, appeared in the costume of a Girlof Athens. It was very elegant. Mrs. Gen. Cooper, of Albany, wore a full dress of the present day, composed of the richest materials. Miss Coit, of New York, was hidden beneath blue domino. Miss Clifford personated Morning. white tulle, studded with golden stars, Miss M. Duncan, of Mississippi, performed the character of Catarina, from the opera of “Les Dia- mants de la Couronne.” Miss Davis, of Mississippi, wore « rich court dress made of brocart. Miss Everston, of New York, appeared in a Spanish costume. Mrs. Fraser, of Saratoga, and her young sister, dressed in Polka costume, were much admired. Miss Fearing, of University place, New York, a very Bey trier girl, appeared as Amina, from “ La Som- ry Her dress was my Fearing, of the same family, wae dressed nt girl. raham, of New York, sister to Mra. S. Ward, wore the costume of a Centadina di fo di Monte italy); her dress was composed of a red shirt, with a small apron, and her corsage adorned with ribbons. ‘The costume was very becoming. Mrs. Gibbs, as a powdered Marchioness. Miss L. Gibbs, of New York, personated a lady’ maid of the time of Louis XV. It was admired as new idea most ingeniously carried out, In front, as & bodice, she wore a mirror encircled in a wreath of roses, on both sides of which her veil seemed to hang like two gauze curtains. A chatelaine, hung with tiny brushes, diminutive combs. bottles of scent to matoh,, small pin cushions, Microscopical baskets, flowers. &c., completed this truly original costume, which was worn with all the grace and coquetry it required, Miss Griffin was dressed in a Persian attire, very becoming to her delicate figure. Mies Griswold, of Syracuse, in her costume of a Spanish lady, “a bride of yesterday,” composed of a red velvet body, and astraw satin shirt, was mach admired. Her charming countenance, and amiable looks, attracted many beaux around her. She was Gagaotly one of the belles of the room. Mrs. David Graham wore the simple dress of a French peasant woman, blue and crimson. Miss Julia Hubbard, a very pretty young lady, though alittle guindé, was dressed to great advan- tage. She personated, as she did at the ball at the Astor Place Opera House, last winter, one of the fairies, and, if not the Queen, she was one of them, Miss Josephine Hubbard, her sister, the prettiest of the repay & made a great impression among many ad- mirers ; her expressive dark eyes were quite becomi | to the costume of a“ Bayadere ;” it was composed of @ pink skirt and a black velvet spencer. Miss Haight, of Waverly Place, N represented peel | Her dress wel Balog Wier udded with golden stars, was ve: ty. She wore a gold orescent on her forehead. gern! i Miss Hamilton, of New York, was dressed ina white robe, trimmed with pink gause. Miss Landon, of N. Y., was prettily covered with a charming rose domino, trimmed with embroideries. This costume was made by M’me Pagot, and throws great credit upon the maker. Miss E. C. Jones, of Washington Place, N. Y¥., & lovely young child, five years old, was dressed as @ “ flower girl.” The costume was as pretty and fresh as | its wearer. ‘The Misses Johnson, ot Phila., were present at the ball ina fancy dress of the present time. Miss Jackoon wore a very becoming Ureek costume, blue and gold, very rich. Miss Kernochan appeared as Quakeress, and though the brothers and sisters are not in favor of dancing, she performed her steps in s very gay style. | _ Mrs. Le Vert, of Mobile, a very piquant iady, whose wit and fine conversation were generally aj ciated at the Springs, assumed the character of Hay- deé, of the ballet “I.’Almeé,”’ ed by tae Mi plaisir troupe. Her dress was made of stiver iampas, splendidly | corsage covered with | rose-buds ; blue sear: | with jewels ; white and ver anckli head, on the other, a ro: armlets; diamonds o: ro magnificent bow | dress, whieh was made in New York, | dene vita of the Monplaisirs, was indeed very rich. Miss Lyon, of Alabama, Swiss Peasant Girl, skirt of red and blue satin ; corsage of black, with white che- misette ; cottage hat. | Miss Lamb, a very mild and pretty lady, of Albi | Place, N. Y., adopted the costume of a Greek Slave, | a very becoming dress for her lovely figure: | _ The two Misses Leary, of Hammond street, N. ¥ were remarked as very charming young ladies. Their | teleaivhe de bal were very becoming, and tastefully | made. Miss McLellan, of N. Y. personated Aurora Miss Murphy, of Brooklyn, appeared in the costume of Lucia, of “Donizetti's celebrated opera of “ The Bride of Lammermorr.”’ Miss Maston wore a purple velvet spencer, with gold ornaments and blue satin skirt. Mies Moore, of Phi'adelphia, though she did not dance, was present, robed in angelic whiteness. Her head was adorned witha plaid scarf, which was quite becoming to her noble appearance. Mrs. Morgan, formerly Miss Selden, assisted to the ball, dressed en toilette de s dress of handsome ilk. ink 5 4 Miss McCleiland, of New Brunswick,N. J. appeared arming robe de bal of our epoch. | Miss Marvin, the pretty ter of the worthy | landlord of the United States Hotel, was dressed 4s Flower Girl, It was # very fine personation. Miss Mallary, of Troy, appeared as Flora. Her dress, like those of the present day, was adorned with flow- ers, and very rich. ronal dred Miss Osborn wore the costume of Fann, the “ Cracovienn red jacket, white ski | boots, with spurs. ‘The costume was as brillisat as hor face pretty. é Mis Mathilda Pilford, as the Sun Viste, illumined many hearts, and excited much admiration. Miss Peck, of Albion Place, as the Flower Giri. | Her white dress was trimmed with flowers, and she car- | led in her hands the most fragrant gifts of Flors. ‘Miss Kate Randolph, a young Miss, ten years old, of | avery @ reeable figure, wore a white dress, trimmed with rib! ses Richard were prosent—one of them the other asaContadina of Rome, Tin a white robe, of a fancy style.