USA > Massachusetts > Franklin County > Shelburne > History and tradition of Shelburne, Massachusetts > Part 7
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It was then voted to adjourn.
1163344 Attest : C. C. Puffer, Clerk
Thus after nine years, these pioneers of banking decided to give up their State Charter and belong to the National Bank System, thereby forming a stronger bank and currency.
ARTICLES OF ASSOCIATION
For Formation Shelburne Falls National Bank
We, the undersigned, the Directors of The Shel- burne Falls Bank of Shelburne Falls in the State of Massachusetts, having been authorized by the owners of two-thirds of the capital stock of said Bank to change and convert the said Bank into a National Banking Association, under and according to the pro- visions of the act of Congress entitled "An Act to provide a National Currency secured by a pledge of United States Bonds and to provide for the circulation and redemption thereof, approved June 3, 1864 and to execute Articles of Association," do hereby in our own behalf and in behalf of the Stockholders, whom we represent, make and execute the following Articles of Association :
1st. The Name and title of the Association into which the said Shelburne Falls Bank is to be changed and converted shall be The Shelburne Falls National Bank.
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2nd. The place where its Banking house or office shall be located and its operations of discount and deposit carried on and its general business conducted shall be the town of Shelburne, in the county of Franklin, and State of Massachusetts.
(Then followed seven more articles.)
Dated April 15, 1865
This meeting was followed by an Organization Certificate and lists the stockholders.
The capital was $150,000 in shares of $100.00 each.
There were then 147 stock owners, the Shelburne Falls Savings Bank holding the largest block of 57 shares. A local Shelburne man and one owner in Fitchburg, Mass., each held 55 shares.
True Copy
CERTIFICATE OF THE COMPTROLLER Treasury Department Office of the Comptroller of the Currency
Washington D. C., May 15, 1865
Whereas by satisfactory evidence presented to the undersigned it has been made to appear that the Shelburne Falls National Bank in the town of Shel- burne in County of Franklin and state of Massachu- setts has been duly organized under and according to the requirements of the Act of Congress entitled "An Act to provide a National Currency secured by a pledge of United States Bonds and to provide for the Circulation and redemption thereof" Approved June 3, 1864, and has complied with all the provi- sions of said Act required to be complied with before commencing the business of Banking under said act.
Therefore, I, Freeman Clarke, Comptroller of the Currency, do hereby certify that the Shelburne Falls National Bank, in the town of Shelburne, in the County of Franklin and State of Massachusetts, is authorized to commence the business of banking under the Act aforesaid.
In Testimony thereof witness my hand and seal of office this fifteenth day of May 1865.
Freeman Clarke Comptroller of the Currency
BANK COMMISSIONER'S CERTIFICATE Commonwealth of Massachusetts
Bank Commissioner's Office Boston, Massachusetts September 16, 1865
The undersigned hereby certify that the issue of the circulating notes of the Shelburne Falls Bank was discontinued on the 24th day of August, 1865. The liability of said bank to redeem outstanding circula- tion will cease August 24, 1868.
(Signed) Frederic Marsh E. C. Sherman John J. Babson
BANK COMMISSIONERS
I hereby approve the publication of the above notice in the Boston Daily Advertiser and the Greenfield Gazette & Courier.
(Signed) Oliver Warner SECRETARY OF THE COMMONWEALTH
THE SHELBURNE FALLS NATIONAL BANK November 11, 1865
We, the undersigned Directors of The Shelburne Falls National Bank, hereby certify that we have this day counted and burned $50,822.00 in bills of the Shelburne Falls Bank.
Denomination of One (1) $3,120.00
" Two (2) 5,436.00
" Three (3) 3,096.00
" Five (5) 25,160.00
" Ten (10) 9,960.00
" Fifty (50) 2,950.00
" One Hundred (100) 1,100.00
(Signed )
$50,822.00
J. B. Bardwell E. G. Lamson Thomas Barber Solomon Smead H. H. Mayhew W. H. Maynard
(Note: There were several notations on the above showing that currency was destroyed as it was acquired by the Bank.)
The Articles of Association state that there shall be a President and Vice President. We found no record of such an election, but J. B. Bardwell was voted $100.00 for signing papers and performing the duties of President. Thus we know that Jarvis B. Bardwell was the first President of The Shelburne Falls National Bank.
From date of reorganization to November 22, 1875, the bank showed a healthy growth, and each year a dividend was paid to the stockholders and the balance of earnings applied to Profit & Loss Account.
November 22, 1875
At a meeting of the Directors which was held this evening at 71/2 o'clock and after discussing the subject it was: -
Voted : - To increase the Capital Stock, $50,000.00 par value, subject to the approval of the shareowners. Price of stock being placed at $125.00 per share pay- able on or before January 20, 1876.
Voted: - To instruct the Cashier to issue a circu- lar to the shareholders setting forth conditions of sub- scription to new stock and also blank on which they can signify their approval or disapproval and to place their subscription and giving them until December 20th to decide.
(Signed) O. R. Maynard, Clerk
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February 14, 1876
Forwarded this day to Comptroller of the Currency certificate that increase of Capital Stock, $50,000.00 had all been paid in.
(Signed ) O. R. Maynard, Clerk
From 1876 to 1890 the Bank continued to grow, paying each year a dividend, and the balance of earn- ings was applied to the Profit & Loss Account.
JARVIS B. BARDWELL Born January 1, 1802 - Died May 13, 1902
On the 21st day of April, 1818, Jarvis Bardwell came to Shelburne Falls. At that time there was no bridge across the Deerfield River. An old boat dug out of a pine tree furnished transportation. When "Uncle Jarvis," as he was called for years, built his house (at Main and Cross Streets) fear was freely expressed that he was building too far out of the village.
"Uncle Jarvis" told the fifth President of this bank. then a boy, that the turkey served at the first Thanks- giving in their new home was a wild turkey he had shot between his home and the river.
During his life-span of a hundred years, Jarvis Bardwell saw the village grow into a thriving center of manufacturing, farming and trading.
Lorenzo Griswold, Pres. C. W. Hawks, Cashier Herbert Newell, Vice Pres.
SHELBURNE FALLS NATIONAL BANK of Shelburne Falls, Mass.
Shelburne Falls, Mass., February 8, 1890
In accordance with a resolution passed at the An- nual Meeting of the Stockholders of the SHEL- BURNE FALLS NATIONAL BANK, held at their Banking House January 14th, 1890, advising the
reduction of the Capital Stock of the Bank to 100,000. dollars, the Directors hereby give notice that there will be a meeting of the Stockholders of the Bank, at their Banking House in Shelburne Falls, Mass., on Tuesday, March 11th, 1890 at 1 o'clock p. m. for the following purposes :
1st. - To see if the Stockholders will vote to reduce the Capital Stock to 100,000. dollars.
2nd. - To transact any other business that may legally come before them.
If the Stockholders owning the requisite two-thirds of the Stock, vote for it, and the Comptroller of the Currency approves, the Directors hope to accomplish the reduction by Aug. 1st, 1890, at which time the Stockholders will relinquish one-half of the Stock they own, and will receive in Cash, the par value of the same.
Every Stockholder who cannot attend the meeting is requested to sign, and fill out the proxy enclosed, authorizing Alanson W. Ward of Shelburne Falls, MIass., or any other person not an officer of the bank to vote for him at said meeting, and instructing said Attorney how to vote whether yes or no.
The Directors unanimously favor the proposed re- duction.
LORENZO GRISWOLD, President C. W. HAWKS, Cashier
Shelburne Falls, March 11, 1890
The Special Meeting of the Stockholders of this Bank was held in their banking rooms this day at one o'clock. The President called the meeting to order, and the Call for said meeting was read by the Cashier. Then the President took up the first Article namely "To see if the stockholders will vote to reduce the Capital Stock to $100,000." and appointed as Tellers S. A. Lamb, C. L. Knowlton and F. A. Ball. While the vote was being taken some discussion arose in regard to the Banking Capital of the Bank, and the Cashier read the statement of the condition of the Bank at close of business December 28, 1889, after which it was voted to proceed with the ballot. The Tellers reported as follows: - Yes, 1697; No, 45.
Thus was the Capital of The Shelburne Falls Na- tional Bank changed to $100,000 where it has re- mained up to the present time.
During the next 60 years the bank grew with the growth of our valley and changed to meet economic changes of the country.
The next major event was the National Bank holi- day. This was March, 1933, when President Roose- velt ordered all banks closed. This bank closed and complied with all regulations and requirements, but still was able to supply money to our merchants and customers so that business continued. Nobody suf- fered, and this was the first bank in this section to receive permission for reopening. Many banks, espe- cially small banks in the West, never reopened and were liquidated. Following this moratorium, new
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regulations pertaining to operation of National Banks were put into operation and have proved of vast help.
The next important change of this Bank was in 1952, when the Directors decided they should have more room and should vacate the building which had been occupied since the starting of the Shelburne Falls Bank. Permission was received from the Comp- troller of the Currency, and in 1953 the purchase of the building and land at the corner of Main and Bridge Streets opposite the Arms Library started our new project.
A new building was completed and was opened for public inspection on July 24, 1954, and business started July 26, 1954.
On February 3, 1955, the Bank opened from 6 to 8 p. m. for business, as the Directors felt that by so doing they could better serve their customers and the public. This was the first time the National Bank had been open of an evening to conduct business. It is now open every Thursday evening.
Following is a list of all Presidents and Directors of The Shelburne Falls National Bank, showing years of service:
PRESIDENTS OF SHELBURNE FALLS NATIONAL BANK J. B. Bardwell, April 15, 1865 to January 12, 1886 H. H. Mayhew, January 12, 1886 to January 11, 1890 Lorenzo Griswold, January 11, 1890 to April 8, 1925 Henry W. Ware, April 8, 1925 to January 9, 1945 Frank S. Wood, January 9, 1945 to
DIRECTORS OF SHELBURNE FALLS NATIONAL BANK
Jarvis Bardwell, 1865-1888
Thomas Barber, 1865
Bartlett Ballard, 1865-1866
Solomon Smead, 1865-1869
Joseph W. Gardner, 1865-1882
Ebenezer G. Lamson, 1865-1880
Due from Banks $ 13,193.02
Overdrafts 613.01
Loans & Discounts
154,764.98
Bonds, L & G Mfg. Co.
51,150.00
C. B. Curtis, 1866
Real Estate & Fixtures
28,628.28
S. D. Bardwell, 1866-1890
U. S. Bonds 50,000.00
C. W. Shattuck, 1867-1885
E. Maynard, 1868-1885
S. T. Field, 1869-1886
A. K. Hawks, 1883
312,807.53
Lorenzo Griswold, 1884-1926
Edwin Baker, 1886-1922
J. W. Whiting. 1886-1907
E. R. Goodnow, 1887-1900
MI. W. Pierce, 1888-1890
Herbert Newell, 1890-1921
Frederick H. Smith, 1891-1918
F. L. Davenport, 1891-1923
A. L. Avery, 1901-1916
C. W. Hawks, 1908-1910
MI. Z. Woodward, 1911-1933
O. C. Avery, 1917-1945
J. B. Parsons, 1919-1927
Lorenzo Griswold, Jr., 1920-1927 Henry W. Ware, 1920-1945 Frank S. Field, 1920-1949 E. R. Field, 1920-1937
W. A. Johnson, 1922-1932 W. J. Morgan, 1924-1925 Harold G. Hoyt, 1926-1955 Claude Church, 1927-1938 J. L. R. Brown, 1933-1939 Henry A. Johnson, 1935-1946 Guy W. Downer, 1938-1939 and 1946-1948
Charles W. Trow, 1939-1958
Chas. W. Ward. 1945-1955 Darius MI. Kelley, 1955-1957
PRESENT DIRECTORS
Frank S. Wood, 1922
Frank A. Eldridge, 1939
Henry L. Avery, 1944
Edward S. Decker, 1947
Winston Healy, 1949
John O. Woodsome, 1950
Henry A. Suprenant, 1956
Arthur D. Bishop, 1957 Philip B. Hunt, 1958
From 1865 to 1888 the records do not show the condition of the Bank, but each Annual Meeting report reads as follows: "Report of Cashier showing condition of Bank read and accepted." On January 10, 1888, the following Statement of Condition was read at the Annual Meeting :
STATEMENT AT CLOSE OF BUSINESS DEC. 28, 1887
RESOURCES
LIABILITIES
Capital
200,000.00
Surplus
2,470.89
Circulation
+5,000.00
Deposits
59,259.58
Due to Banks
6,077.06
312,807.53
E. Wing Packer, 1865-1868
Horace H. Mayhew, 1865-1889
William Maynard, 1865-1868
5% Fund 2,250.00
Cash on Hand
12,208.24
Following is a statement showing condition of the Bank as of the close of business December 31, 1954:
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RESOURCES
Cash and Balances
$ +73,567.53
Governments
608,331.49
Loans and Discounts
662.483.57
Bonds
99,556.36
Banking House
155,478.55
Furniture and Fixtures
33,432.62
Other Real Estate Owned
14,956.20
Prepaid Insurance
2,378.40
2,050,184.72
LIABILITIES
Capital
100,000.00
Surplus
150,000.00
Undivided Profits
78,882.28
Reserves
25,673.94
Savings Deposits
133,196.25
Demand Deposits
1,558,932.25
Dividend Unpaid
3,500.00
2,050,184.72
SHELBURNE FALLS SAVINGS BANK
The Shelburne Falls Savings Bank was 100 years old in 1955. It began as the Shelburne Falls Five Cent Savings Bank, being chartered on March 28. 1855, by special act of the Massachusetts General Court. The name of the Bank was changed late in 1877. The first meeting was held in Davis Hall on October 31, 1855, and it was voted at that meeting to accept the act and organize the corporation. Pres- ent at that meeting were Luther Ballard, E. A. Baldwin, J. B. Bardwell and G. B. Hayes. At the adjourned meeting on November 3, 1855, G. B. Hayes was elected clerk of the corporation and sworn in by Arthur Maxwell, Justice of the Peace. W. G. Clement, Arthur Maxwell and G. B. Hayes were chosen a committee to draft by-laws. At a meeting in Davis Hall on November 10, 1855, by-laws were accepted and adopted. J. B. Bardwell was elected President. Trustees elected were H. W. Cushman, H. MI. Thompson, William Long, Carver Hotchkiss, Chenery Puffer, J. A. Winslow, Nelson Gardner. O. J. Davenport, A. L. Tyler. S. D. Bardwell. Ebenezer Maynard, W. T. Clement, R. H. Leavitt, Otis Gale, Austin Rice, George Stearns and George Lathrop. At a trustees' meeting on November 17, 1855, G. L. Fairbanks was elected Treasurer. S. D. Bardwell, Dr. Chenery Puffer and Carver Hotchkiss were elected Investment Committee.
Business began February 2, 1856, in the northeast corner of the Lamson & Goodnow Company store building on Bridge Street. The first deposit was made by Ira Merrill. The Bank remained at this location until January 1, 1871. Deposits reached $500,000 in 1871.
In the early part of 1870 the Old Brick Hotel and adjoining land from River Street to the National
Bank was purchased. The old Post Office Building was sold to Alfred Bowen for $500 and moved across the street ; the old hall was sold to Joel Thayer for $1025 and moved to River Street, where it still stands. The east end of the lot was sold to G. G. Merrill, the west end to Nathaniel Lamson, and the adjoining lot to Merrick and Mayhew, each paying $1000. Bridge Street was relocated at this time, and apparently the Bank received $1000 from the Town of Shelburne and $500 from the County for land taken in the process of widening the street.
The brick "Bank Block" was then built, apparently by the Savings Bank, Merrick and Mayhew, and Nathaniel Lamson "jointly and severally" - that is. while it is one building, brick partitions divided it into three separate properties, each on its own lot. The entire third floor was a public hall, owned jointly. The building cost the Bank approximately $5500, and was carried on its books at that figure for some time. afterward charging off $1500 and selling the property April 11, 1877, to Mrs. Emma A. Canedy for $4000.
The Bank occupied the east end of this building (now the A. & A. Food Store) for several years until it moved into a room with the National Bank, probably in 1879. In consequence of legislation requiring the separation of National and Savings Banks, the Bank purchased from the heirs of S. T. Field the property on Bridge Street built by George G. Merrill and moved to the new and present location in June, 1903.
Other trustees besides the original seventeen who served the Bank over the 100-year period were :
G. B. Montague F. A. Ball
L. Bullard H. S. Swan
WV. Sherwin E. M. Bissell
L. M. Packard
J. Thayer
J. B. Whitney
C. S. Spear
S. S. Wright
A. Bowen
J. Andrews
J. L. Newell
S. N. Gragg
G. W. Chase
G. L. Fairbanks
R. S. Streeter
F. Ballard S. T. Field
E. H. Rankin
G. W. Jenks
B. F. Leland
O. R. Maynard
H. Tillson
E. T. Green
J. S. Halligan
H. A. Merrick
A. L. Tyler
H. H. Mayhew
WV. H. Maynard
T. Wood
J. K. Patch
A. K. Hawks
G. A. Bates
H. O. Smith
R. B. Bardwell
A. W. Ward
G. B. Hayes
F. A. Ball
R. N. Fife
H. Newell
L. L. Pierce
E. Baker
N. Root
F. R. Pratt
S. Toby
J. Halligan
E. M. Whitney
J. L. Foster
A. W. Streeter C. B. Covell
G. D. Crittenden
WV. S. Ball
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C. W. Hawks F. S. Wood
F. H. Oakman
A. C. Bray
J. W. Thurber
W. A. Johnson
M. Z. Woodward F. E. Innis
F. J. Canedy
E. O. Clapp
J. C. Wood
F. S. Field
F. L. Reed
H. A. Johnson
C. D. Spencer
G. W. Downer
L. Griswold
R. H. Nye
J. A. Wells W. E. Legate
C. W. Hawks
D. H. Jones
W. S. Ball
W. O. Loomis
W. M. Pratt
J. R. Amstein
F. E. Merrick
E. W. Benjamin
J. L. R. Brown
E. A. Milne
A. Amstein
C. K. Pierce
H. W. Ward
W. Healy
J. A. Dunnell
H. F. Brown
H. P. Ware
H. E. Crosier
H. L. Avery
H. E. Legate
H. G. Hoyt
E. J. Ball
Dr. W. A. Smith
H. A. Suprenant
J. B. Bardwell served the Bank as President eight years (1855-1863) ; Luther Bullard (1863-1866) ; F. A. Ball was President 36 years (1866-1902) ; George W. Jenks (1902-1913) ; Herbert Newell (1913-1917) ; Francis J. Canedy (1917-1925) ; John A. Wells (1925-1934) ; Harold G. Hoyt, Exec. Vice President (1934-1940) ; J. L. R. Brown (1939- 1940) ; Harold G. Hoyt (1940-1955). (Mr. Hoyt died in August 1955.) At the annual meeting in October, 1955, Elwyn J. Ball of Orange, Massachu- setts, was elected President.
Other officers and personnel as of October, 1955, are Jesse A. Dunnell and Henry L. Avery, Vice
Presidents; J. A. Dunnell, Treasurer; Mrs. Flor- ence Adler, Assistant Treasurer; Mrs. Mildred B. Parks, Teller; Mrs. Marjorie W. Peck, Clerk of the Corporation. Board of Investment are E. J. Ball, Walter E. Legate, Edward A. Milne and Frank S. Wood. Trustees are Joseph R. Amstein, Henry L. Avery, Elwyn J. Ball, Eugene W. Benjamin, Herbert F. Brown, Harold E. Crosier, Jesse A. Dunnell, Deane H. Jones, Henry E. Legate, Walter E. Legate, Walter O. Loomis, Edward A. Milne, Charles K. Pierce, Henry A. Suprenant and Frank S. Wood. Deposits in October 1955 were $3,487,570.83.
OBSERVATION
Historical accuracy requires the statement that there have been times when the traveling was difficult and the road ahead was not always clear. Every century-old financial institution has seen half a dozen or more panics, depressions and recessions by whatever name. During such episodes hundreds of banks have closed their doors, temporarily or permanently, and their depositors have suffered. Sounder banks have eventually come through, and their depositors were protected, as ours were. Also, practically all banks have had intervals, longer or shorter, when they were embarrassed by poor management, unwise loans, or unpopular personnel. The Shelburne banks have not entirely escaped such plagues, but unlike so many weaker institutions they have not had to go out of business because of them. The fact that they have regularly met and overcome such difficulties is in itself evidence of the fundamental, long-term sound- ness of the management. Even in the depths of the Nineteen-Thirties The National Bank stock was selling at only a little below its hundred dollar par, and at this writing it is difficult to obtain at twice that figure.
THE SWEETHEART TEA HOUSE
THE history of this famous eating place begins shortly after the Mohawk Trail became a major tourist attraction.
In 1914 the automobile road, good according to the standards of the time, was built from Greenfield, through Shelburne Falls, along the Deerfield and Cold Rivers and up over Hoosac Mountain to North Adams and beyond. This road led past the house of Miss Alice Brown, and she conceived the idea that passing motorists would be interested in the pure maple sugar of the region if it were sold in attractive molds small enough to be handled conveniently. The heart-shaped mold was chosen, and the product was named the Maple Sweetheart, and put on sale as such in 1916. Sales increased, and as other foods were served, the Sweet Heart Place became known as the Sweetheart Tea House.
The first place of business was a mere one-story shingled building where products were sold over the counter to the public, the upper part of the shop being lifted to form an awning-like wooden shelter
for the patrons who stood outside. The next venture was remodeling the barn into an eating place; then wide verandas to the south and east were added for more dining space.
The steady growth of patronage called for repeated additions and other changes in the buildings which need not be detailed here, but by the early 1930's they had reached their peak. The main building had its present dignified and attractive appearance. The new dining room seated two hundred, and smaller rooms were available for parties. In the front part of the main building there was a large entrance lobby and two reception rooms, all furnished in excellent taste with exquisite New England antiques. An attractive formal flower garden was laid out between the entrance and the road and a larger one on a lower level in the rear. In addition to the garden vista, the dining room had a beautiful view down the river valley. Also there were separate shops for maple products, dresses and gifts.
All these changes were, of course, a reflection of
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Miss Brown's success in developing the type of patron- age she wanted, people who appreciated good food in tasteful surroundings and were able and willing to pay for it. Her only advertising was the word passed from one patron to another. As her offering grew from simple maple cakes to full restaurant menus, quality was always the watchword. Of great value to Miss Brown in this business was the prudent advice of her brother, Charles, and also the services of William T. Patch and Mrs. Helen Ashworth, as manager and hostess respectively.
A featured dinner menu had chicken and waffles as the main items, the only limit to the quantity of waffles and maple syrup served being the customer's capacity.
As the tourist trade was its main support, the Sweet- heart operated only during the summer months, open- ing in May and closing after Hallowe'en, when spe- cial parties were featured, often for two or three nights.
Although Miss Brown catered to tourists of the more prosperous type, her relations with the town were most cordial and the town took pride in the Sweetheart Tea House. Good employees were avail- able locally, and Miss Brown welcomed a number of organizations for their more important meetings. The Shelburne Falls Woman's Club, the Masonic Lodge, the graduating classes of Arms Academy, and other groups had their annual banquets at the Sweet- heart, at prices which must have left Miss Brown little or no profit beyond the satisfaction which she felt.
Unlike many other establishments of its kind the Sweetheart survived the years of the great depression ; wise management, carefully maintained standards of service, and a widespread reputation, all proved their value. With the outbreak of war in Europe business naturally began to improve, but Miss Brown's health had begun to fail and she died in the spring of 1942, a few months after this country entered the war. Some of her heirs attempted to carry on, and whether or not they could have been successful with their limited experience will never be known. The ration- ing of gasoline forced tourists off the roads, the place had to be closed, and some of the equipment was sold.
In the eight or nine years following the war, a series of two or three owners with restaurant training and experience tried to operate the business, but with- out success. More equipment was removed, and the buildings deteriorated. The relocation of the highway necessitated the removal of the garage and several small buildings, including those that housed the three shops. In 1955, however, a more promising attempt was made. A couple from Fitchburg. Mr. and Mrs. Robert M. Traquair, took over and proceeded to renovate. They seemed to understand the high-type restaurant business and had a good knowledge of interior decoration and of antique furniture. Also their personalities were attractive and cordial without being effusive. When they opened for business in the spring of 1956, after months of work and heavy expense, the Sweetheart seemed as near its former self as anyone could or should expect.
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