USA > Kansas > Nemaha County > History of Nemaha County, Kansas > Part 22
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The methods of bank bookkeeping have kept pace with other devel-' opments. The old cumbersome forms, which meant midnight oil and headaches in calculations and adding endless columns of figures, have been succeeded by modern filing devices, adding machines, the newest ledger posting machines, etc., etc., until the work has become so sim- plified and systemized that even the time-honored pass book has be- come obsolete and relegated to the junk heap, and the end is not yet.
If those of us who have grown gray and weary in the heat of the service could but know that we could draw aside the curtain and view the inventions and developments fifty years hence, we would be fully content to step aside and lay down the work.
THE NATIONAL BANK OF SENECA, KANS.
Is the legitimate successor of the Bank of Nemaha County, or- ganized in 1881, and afterwards consolidated with the State Bank of Seneca, on March 14, 1884, which was in turn converted into this strong institution on December 9, 1897, and under able and conservative man- agement and the influence of its fifty-six stockholders, has rapidly ex- tended its business until it has become the largest bank in the city, leading in capital and surplus, deposits, loans and volume of business.
At its organization, R. M. Emery, of Seneca, was elected president, and has continuously served in that capacity until the present time. James H. Gleason, now deceased, was elected its first cashier, who was succeeded by Peter P. Stein, assistant cashier, in the year 1908, and he in turn by its present popular and efficient cashier, Melville R. Connet, in the year 1912, who, with the aid of the board of directors and his courteous, com- petent and accommodating assistants, has won popular favor and gained the confidence of its patrons and the public and placed it in the front ranks of the leading banking institutions of the State.
Its deposits are not only guaranteed by its large capital and surplus and its numerous wealthy and influential stockholders, but also by the Bankers Deposit Guaranty and Surety Company, of Topeka, Kans., with a capital and surplus of $500,000.
This bank has stood the test of all financial depressions and money panics of the past, and now with its ample "preparedness," as shown by its official and sworn statements, is one of the best and safest deposi- tories doing business anywhere.
The active officers of this substantial banking institution are: R. M. Emery, president ; E. R. Murphy, vice-president ; B. F. Hart, second
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HISTORY OF NEMAHA COUNTY
vice-president ; M. R. Connet, cashier; Frank L. Geary, assistant cashier ; Leo J. Scheier, assistant cashier and teller; John R. Emery, bookkeeper.
The board of directors are:
R. M. Emery, of the law firm of Emery & Emery.
E. R. Murphy, retired farmer and capitalist.
B. F. Hart, retired farmer and capitalist.
H. C. Settle, capitalist.
G. W. Johnson, capitalist.
H. W. Fuller, of the hardware firm of Fuller & Son.
IV. G. Rucker, ex-county commissioner and treasurer.
M. R. Connet, cashier.
The last sworn official statement shows the capital of the bank to be $50,000 ; surplus and undivided profits. $45,000 ; deposits and circula- tion, $365,000, making a total aggregate business of 460,000, all of which is safely invested in well-secured farmers' loans, United States bonds, mortgages, etc., and the balance necessary to transact their extensive business is deposited in their large Corliss burglar-proof safe. It is also elaborately equipped with safety deposit boxes for the private use of its patrons, pays four per cent. interest on time and savings accounts, and affords a security to the depositor excelled by no bank in the county.
FIRST NATIONAL BANK OF SENECA.
On December 19, 1874, a charter for the State Bank of Kansas was granted to Samuel Lappin, Charles Scrafford, Edwin Knowles, Willis Brown and Samuel Conwell. Samuel Lappin was elected president, Ed- win Knowles, vice-president, and Willis Brown, cashier.
Nearly all these men have passed on, but forty years later the workers in the First National Bank of Seneca have paused for a time to review the history of the institution whose earliest history is insep- arably associated with that of Seneca and Nemaha county. The men to whom this first charter was granted are the same men whose pioneer industry and indefatigable courage helped to carve from out a bleak prairie the splendid commonwealth to which this generation has fallen heir. With these things in mind, the directorate and officers of the First National may well view with pride the growth of a bank that has never failed to keep step with the community whose interests it has done so much to serve. To some of the younger people the names of these early pioneers may be strange, but the older folks will remember them. To more than one elderly resident these incidents in the history of the First National that follow will awaken intimate recollections of early days.
In 1856, Samuel Lappin came to Seneca, and in 1858, C. G. Scraf- ford. These two pioneers, together with R. U. Torry, comprised the Seneca Townsite Company, and built the first building, which was an
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HISTORY OF NEMAHA COUNTY
old log house and located on the site where now stands the Citizens State Bank of Seneca. The Townsite Company used part of this build- ing as their office, and C. G. Scrafford the other part of the building for a store. Later on, C. G. Scrafford moved to a frame building, which was erected on the site where the brick building now stands, that is occupied by Honeywell & Stein. Samuel Lappin then entered the mer- cantile business with C. G. Scrafford, and in 1863, they built and occu- pied the brick building which is at present occupied by Mason & Wolt- kamp. In 1870, Lappin & Scrafford sold out to Dickinson & Cowdrey and erected the building which is now occupied by John L. Clark. Being heavily interested in lands in this county, they used this building as their office and were heavy dealers in real estate. This naturally drifted them into the line of banking, and they were known as the Lappin & Scrafford Bank. They were very successful and influential business men, and Samuel Lappin was later on elected Treasurer of the State of Kansas.
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FIRST NATIONAL BANK BUILDING, SENECA, KANS.
Later, on December 19, 1874, the charter for the State Bank of Kan- sas, with officers as mentioned in the first paragraph of this article, was secured. In January, 1876, Edwin Knowles was elected president, and D. B. Mckay, vice-president. The following year, in January, 1877, Edward Butt was elected vice-president in the place of D. B. Mckay. At the same meeting, G. W. Williams was elected a director, which position he has held continuously to the present day. It will be inter- esting to note that the minutes of this meeting show the discount rate was reduced from twenty to eighteen per cent.
In 1881, D. J. Firstenberger was elected vice-president and director. In January, 1883, George E. Black was made assistant cashier. In
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HISTORY OF NEMAHA COUNTY
March, 1883, the proposition of nationalizing the bank was taken up, and May 16 of the same year, the charter was granted to the First National Bank of Seneca, with the following as officers and directors: Willis Brown, president; G. W. Williams, vice-president; George Black, cashier. The directors were: Ed Butt, D. J. Firstenberger. R. E. Nel- son, J. H. H. Ford and D. B. Mckay.
In January, 1884, the bank purchased the site where now stands the present building. February 2, 1884, George Black resigned as cashier. and Julius Rosenblatt succeeded him. In May of the same year, Leo- pold Cohen purchased a block of stock in the bank, and J. H. Cohen, his son, accepted the position as bookkeeper, which marked the begin- ning of his very active and successful career in this institution. Leopold Cohen was elected as director the following year. On July 14, 1885. West E. Wilkinson was chosen a director to fill the vacancy caused by the resignation of Julius Rosenblatt, which position he held until Jan- uary, 1902.
In January, 1887, G. W. Williams was elected president, Leopold Cohen, vice-president, and W. H. Smith was elected as a director, which office Messrs. Williams and Smith are holding at the present time. In January, 1888, J. H. Cohen was chosen assistant cashier. On May 25, 1888, the bank sold its old banking rooms to A. H. Burnett, and let a contract for its present beautiful home, into which the bank moved in the spring of 1889.
In 1891, S. H. Fitzwater was elected a director and Stephen Burr a director in 1892. R. E. Nelson was elected vice-president in the place of Leopold Cohen, who moved with his family to St. Joseph in 1893, and J. H. Cohen was elected a director at the same time. In 1897, C. C. Pinckney was elected a director to succeed Stephen Burr, who moved with his family to California. There were no other official changes until January, 1902, when J. H. Cohen was elected cashier to succeed West E. Wilkinson. R. A. Cohen and T. L. Cowdrey were then elected as directors. In 1904, L. B. Keith was elected a director and vice-presi- dent. Michael Rogers was also elected a director at the same time. In December, 1904. the bank installed its burglar system at considerable expense as additional protection for its funds.
In November, 1905, the directors of the First National Bank pur- chased the stock of the Seneca State Savings Bank from its founder, J. E. Stillwell, and moved the same into its present quarters in the First National Bank building, and the two banks are closely identified. In January, 1907, Edwin S. Cohen was elected assistant cashier, which position he held until in December, 1913, during two years of this time holding a position as director.
On account of failing health, J. H. Cohen resigned his position as cashier and sold his interest on October 10, 1912, in the First National Bank and the Seneca State Savings Bank to J. E. Stillwell, L. D. Allen,
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HISTORY OF NEMAHA COUNTY
J. J. Buser and P. P. Stein, who were also elected directors. L. D. Allen was made vice-president and P. P. Stein, cashier.
The First National Bank, Seneca, Kans., at the close of business, March 7, 1916:
Resources.
Loans and Discounts $213,074.16
Overdrafts 285.33
Federal Reserve Bank Stock 2,100.00
United States Bonds
50,000.00
Real Estate
13,150.00
Bonds, Securities, etc.
175.00
Cash and Exchange.
133.744.30
$412,528.79
Liabilities.
Capital Stock
$ 50,000.00
Surplus and Profits
28,499.10
Circulation
49,695.00
Deposits
284,334.69
$412,528.79
Officers and Directors.
G. W. Williams President
L. D. Allen. Vice-President
Peter P. Stein. . Cashier
M. B. Williams Assistant Cashier
W. H. Smith, J. J. Buser, J. E. Stillwell, L. B. Keith.
The Seneca State Savings Bank, Seneca, Kans., at the close of business, March 7, 1916.
Resources.
Loans and Discounts $162,002.47
Overdrafts
1,676.04
Bonds
1,000.00
Expenses and Interest Paid. 2,296.62
Cash and Sight Exchange.
101,272.56
$268,247.69
Liabilities.
Capital Stock
$ 25,000.00
Surplus and Profits
11,852.80
Deposits
231,394.89
$268,247.69
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HISTORY OF NEMAHA COUNTY
Officers and Directors.
Mat. Schneider President
J. E. Stillwell. . Vice-President
Peter P. Stein Second Vice-President
L. D. Allen. . Cashier
J. P. Koelzer, G. W. Williams, J. J. Buser.
CITIZENS STATE BANK, SENECA, KANS.
The Citizens State Bank of Seneca, Kans, was first organized in 1888, and conducted as a private banking institution by C. C. K. Scoville in the building now occupied by its successor. The name of the first concern was the Scoville Exchange Bank, organized by Mr. Scoville, with a capital of $30,000. The success of this financial concern was marked and steady from its inception, and six years after its beginning it was re-organized as a State bank on September 1, 1894, with the fol- lowing officers: C. C. K. Scoville, president ; A. L. L. Scoville, vice- president ; F. G. Bergen, cashier. The original capitalization was in- creased to $40,000. The first official body was succeeded within a year by the following officers: C. C. K. Scoville, president; J. J. Knepp, vice-president ; F. G. Bergen, cashier ; Charles E. Knepp, assistant cashier. The present officers of the Citizens State Bank are: C. C. K. Scoville, president ; August Kramer, vice-president; F. J. Holthaus, cashier ; A. J. Wempe, assistant cashier. Directors: The foregoing officers and W. F. Thompson, Henry Eichenlaub, Anton Wempe and Herman Engelken.
The present capital of the bank is $40,000. The deposits and earn- ings have been accumulated exceeding $20,000. The deposits will ex- ceed $250,000, while the bank has loans of $250,000. This bank has paid in dividends, since its organization in 1888, over $158,000, an amount . ceeding fifteen per cent of the capitalization annually, in addition to the accumulated surplus of $20,000. The stockholders of this thriving financial concern have received the value of their stock over three and one-half times in dividends. This bank at present pays an average : dividend of seventeen and one-half per cent., including surplus.
Four per cent. is paid on savings deposits and upon time certificates of deposit. The bank has weathered all monetary panics successfully and the losses sustained from bad loans during the past twenty-eight years, etc., will not exceed $500, all of which is evidence of the careful and able management of its affairs, based upon sound expert financial knowledge.
THE NATIONAL BANK OF SABETHA.
The National Bank of Sabetha has an asset that is never listed in its statements, and yet it is perhaps the most important thing around the place, the first thing that impresses you when you do business there.
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HISTORY OF NEMAHA COUNTY
It is the asset of politeness, good nature and the integrity of the spoken word. You feel it every time you go into the bank. The bank's capital and surplus of $100,000 is a lot of money, and it makes a foundation that goes to bed rock, yet it is the good natured squareness of the men you meet there that you remember longest.
The bank's last statement, showing time deposits amounting to about $125,000, indicates to the ordinary, everyday mind the confidence of the community in those who direct the bank's affairs. The total de- posits are $350,000, and the total assets over a half million dollars, a real lump of money for a county bank.
Incidentally, some pretty good men are directors and officers of the National Bank of Sabetha. There's C. L. Sherwood, who has been vice- president of the bank since 1889; John Lanning, a director since 1891, president in 1894, and vice-president since 1902; Adolph Weiss, a di- rector since 1883; H. C. Haines, a director since 1885; A. J. Collins, bookkeeper, assistant cashier, cashier and president in turn, beginning from 1897; G. R. Sewell, bookkeeper, assistant cashier and cashier, be- ginning from 1904; H. F. Breitweiser, bookkeeper in 1909, now assistant cashier ; Roy L. Mishler, bookkeeper since 1911, and Ernest Lamparter, starting as bookkeeper this year, 1916. Note how the active workers in the bank have graduated by slow dgrees. That means efficiency, know !- edge of the business, sound service, the supreme thing to be desired in banking. Another director in the bank is George A. Guild, who grew up with the bank and went to Topeka for larger resposibilities; also W. R. Guild, now president of the First National Bank of Hiawatha.
Here is, the way the National Bank of Sabetha has evoluted into the present institution : First, it was the Sabetha State Bank, organized on March 2, 1877; then the First National Bank of Sabetha, organized on July 2, 1883 ; then the State Bank of Kansas, organized on February 27, 1885, and now the National Bank of Sabetha, organized on August 28, 1891.
The National Bank of Sabetha has a fine past as encouragement for future achievements.
THE CITIZENS STATE BANK, SABETHA, KANS.
The Citizens State Bank of Sabetha, Kans., is one of the strongest financial institutions in Nemaha county and northeastern Kansas, and has been inexistence since its organization in 1885 by Messrs. Jackson, Cotton, Robert Bressem and Roy Hesseltine, who were the first officers. The initial capital of this bank was $25,000. Mr. Cotton continued with the bank until his death in 1898. Mr. Hesseltine was connected with the management of the bank until 1913, when he disposed of his interest to F. C. Woodbury, who is the president and active manager of the con- cern. The present capital of the Citizens State Bank is $50,000; surplus, $25,000 ; undivided profits, $15,000; deposits on February 24, 1916, ag-
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HISTORY OF NEMAHA COUNTY
gregated the large total of $390,000, and the bank has an average annual deposit of $325,000. This banking concern has the distinction of having the largest total of deposits of any bank in Nemaha county.
The bank building was completely remodeled and modernized in 1909, and new fixtures were installed, with new vaults and safety de- posit features added. An insurance department for the convenience of the many patrons is conducted by Mr. Bressem. The farm loan depart- ment is in charge of Mr. Woodbury, who has direct connection with large Eastern capitalists, and the source of capital for this purpose available is practically unlimited, at the lowest possible rates and most liberal terms. The bank has made more farm loans during the past two years than ever before in its history. The bank equipment is thoroughly modern in every respect and the facilities are such that the officers and employees are enabled to wait upon patrons and handle the extensive business of the bank quickly and expeditiously and render customers prompt, efficient and satisfactory service at all times.
The customers meet with courteous and liberal treatment and are made to feel perfectly at home when transacting business in this bank. The present officers are as follows: F. C. Woodbury, president ; Robert Bressem, vice-president; J. C. Litchy, cashier; E. E. Morris, assistant cashier ; F. C. Woodbury, Robert Bressem, J. C. Lichty, E. E. Morris and R. Bottiger, directors.
The commendatory feature of the Citizens State Bank is the fact that "The Citizens State Bank is operating under the depositors' guarantee law of the State of Kansas, whereby all deposits in the bank are abso- lutely guaranteed to the depositors."
The bank is a depository for the State of Kansas, Nemaha county, and the city of Sabetha, and a special savings department is provided for.
OTHER NEMAHA BANKS.
Baileyville Sate Bank; established 1894: Willis J. Bailey, president ; J. M. Everts, cashier ; Robert M. Bronaugh, vice-president ; capital and surplus, $20,000.
State Bank of Bern; established 1889; George A. Guild, president ; H. L. Guild, cashier ; J. Hilt, vice-president ; capital and surplus, $35,000.
State Bank of Oneida; established 1884: D. H. Funk, president; F. E. Wikoff, cashier; H. L. Wikoff, vice-president ; capital and surplus, $21,000.
Citizens State Bank: established 1887; Centralia; A. W. Slater, president ; J. A. Dock, cashier : C. C. Wadleigh, vice-president ; capital and surplus, $26,000.
First National Bank, Centralia; established 1882; F. P. Bowen, president ; J. B. Lohmuller, cashier ; A. Obendorf. vice-president ; capital and surplus, $50,000.
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HISTORY OF NEMAHA COUNTY
First National Bank, Goff; established 1904: George Calhoun, presi- . dent : A. H. Fitzwater, cashier; James H. Smith, vice-president ; capital and surplus, $34,000.
Home State Bank, Goff; established 1909; William Mast, president ; C. S. Goodrich, cashier ; Herman Mast, vice-president ; capital and sur- plus, $12,000.
State Bank of Kelly; established 1902; R. M. Emery, president ; George A. Magill, cashier; B. H. Rottinghaus, vice-president ; capital and surplus, $12,000.
State Bank of Bancroft; established 1902; W. H. Capsey, president ; H. T. Whitaker, cashier; William Karns, vice-president; capital and surplus, $18,000.
Farmers State Bank, Corning; established 1888; W. Jacobia, presi- dent ; J. E. Woodworth, cashier; M. E. Jacobia, vice-president ; capital and surplus, $28,500.
First National Bank, Wetmore; established, 1907; T. E. Henderson, president ; F. P. Achten, cashier; E. B. Ward, vice-president ; capital and surplus, $31,000.
Wetmore State Bank; established 1882; H. C. De Forest, president ; Samuel Thornburrow, cashier; H. C. Lynn, vice-president ; capital and surplus, $30,000.
CHAPTER XXVII.
THE MEDICAL PROFESSION.
PRIOR TO 1860-EARLY DAY DOCTORS-DR. ANDERSON, DR. HIDDEN-WELL KNOWN PHYSICIANS-FIRST MEDICAL SOCIETY ORGANIZED-NOW A PART OF THE AMERICAN MEDICAL ASSOCIATION-PRESENT ORGANI- ZATION-REQUIREMENTS TO PRACTICE-HOSPITAL - PROMINENT PHYSICIANS AND SURGEONS.
By Dr. S. Murdock, Jr.
The medical history of Nemaha county, Kansas, prior to the year 1860, consists of the tales and recollections of a few pioneer settlers. The stories recited by them are interesting and incidental only to the individual character of the men who professed to know something of medicine, and they would have no bearing, or even be considered as con- tributory toward the upbuilding of the present medical profession in the county. The names of Dr. Anderson, of Granada, and Dr. Hidden, of Centralia, figure in the early history of the treatment of the sick. Dr. Irwin, who lived in Brown county, Kansas, was frequently called into the county and took care of many of the early settlers. His mannerisms and individualities are still remembered. His trips were often made many miles on foot, and many were the hardships which he endured. He is recognized as having had exceptional ability from a medical stand- point. Later he located in Sabetha, Kans., where he built his home and lived during the remainder of his life. The names of Dr. Wachter, of Baileyville ; Dr. Noah Hayes, of Seneca ; Dr. Caysbier, Dr. J. F. Lesh, Dr. A. J. Best, Dr. Townsend, Dr. Joseph Hague, Dr. Graham and Dr. Mur- dock, Sr., Dr. Magill, Centralia; Dr. Corwin, of Goff; the young Dr. Ir- win, Dr. Redding, Dr. Herring, Dr. Gafford, Dr. Welsh and Dr. Wagner are all well known practitioners in various parts of the county.
The first medical society in the county was organized in Seneca, with Dr. S. Murdock, Sr., president, and Dr. Wachter, secretary. The society has been maintained for the last twenty-five years and is still in full working order. It is now a part of the State Medical Society, also the American Medical Association. The organized medical society in the United States has recognized the county society as one of the require- ments for admission into this great association. The present organiza- tion of the Nemaha County Medical Society consists of Dr. L. A. Cor-
235
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HISTORY OF NEMAHA COUNTY
win, Goff, president; Dr. W. A. Haynes, Sabetha, vice-president; Dr. S. Murdock, Jr., Sabetha, secretary, and the following members of the pro- fession are in good standing: Dr. W. G. Bouse, Centralia; Dr. J. H. Brown, Centralia ; Dr. F. F. Carter, Seneca ; Dr. D. H. Fitzgerald, Kelly ; Dr. G. S. Graham, Wetmore; Dr. J. W. Graham, Wetmore; Dr. W. A. Haynes, Sabetha ; Dr. S. B. Houston, Baileyville; Dr. W. H. Heuchede, Corning ; Dr. Grant Meyer, Bern ; Dr. S. Murdock, Jr., Sabetha ; Dr. J. C. Maxson, Corning ; Dr. J. R. Purdum, Wetmore; Dr. A. S. Ross, Sabetha ; Dr. H. G. Snyder, Seneca; Dr. C. R. Townsend, Centralia, and Dr. A. J. Smith.
Christian Science in this county has had a number of adherents; other "isms," such as the magnetic healer, the chiropractor and the patent medicine man have all had their day here, the same as in any other county.
Since the medical act was passed in Kansas, the requirements for one to enter the practice of medicine have been raised. Those who de- sire to practice must first pass through a recognized medical school, must then pass the examinations before the State Board of Registration before they can register in any county as a practicing physician. How- ever, those who practice without the administration of drugs, as the osteopath and the chiropractor, simply register their diplomas from some school of their sect, and they are granted at once the privilege of taking care of the sick. There are no specifications or laws as to the qualifica- tions necessary to be a reader or a practitioner of Christian Science.
The only general hospital in the county is located in Sabetha and is known as the Sabetha Hospital. This is run by an association for the benefit of the profession, not only in this county, but in the surrounding counties. The property consists of one main hospital building, which will accommodate forty patients ; also a nurses' home with seventeen rooms.
The medical profession in Nemaha county has representatives who are known nationally, many of them of interstate reputation, and most of them are known throughout the State of Kansas by others than their own brotherhood. Dr. Samuel Murdock, Jr., is president of the State hospital board and his private hospital is known nationally. He is one of twenty-two surgeons in Kansas to have been elected a member of the College of American Surgeons in Boston. Dr. Hugh Dillingham, a Nemaha county youth, now of Halstead, Kans., is secretary of the State Hospital Board. Dr. Hugh Wilkinson is a surgeon of Kansas City with an interstate reputation. His father was the late West E. Wilkinson, pioneer newsaper man of Seneca. Dr. J. R. Mathews, a Nemaha county man, specializing in eye troubles, has recently gone to Manhattan, where he is associated in lectures and practice with the State Agricultural Col- lege. Mrs. Dr. Emily Slosson, the one prominent woman doctor of the
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