Our county and its people : A history of Hampden County, Massachusetts. Volume 2, Part 17

Author: Copeland, Alfred Minott, 1830- ed
Publication date: 1902
Publisher: Boston : Century Memorial Pub. Co
Number of Pages: 550


USA > Massachusetts > Hampden County > Our county and its people : A history of Hampden County, Massachusetts. Volume 2 > Part 17


Note: The text from this book was generated using artificial intelligence so there may be some errors. The full pages can be found on Archive.org (link on the Part 1 page).


Part 1 | Part 2 | Part 3 | Part 4 | Part 5 | Part 6 | Part 7 | Part 8 | Part 9 | Part 10 | Part 11 | Part 12 | Part 13 | Part 14 | Part 15 | Part 16 | Part 17 | Part 18 | Part 19 | Part 20 | Part 21 | Part 22 | Part 23 | Part 24 | Part 25 | Part 26 | Part 27 | Part 28 | Part 29 | Part 30 | Part 31 | Part 32 | Part 33 | Part 34 | Part 35 | Part 36 | Part 37 | Part 38 | Part 39 | Part 40


In the course of the next ten years evidently there was a revival of interest in the city, as the local body is reported as having a representation at the Philadelphia convention in 1865. In 1866 it had 130 members, and in 1867 delegates were sent to the convention at Montreal and also to the state convention. In 1868 the members numbered 202, and W. H. H. Wooster was president. In 1869 the members had increased to 253, and in that year, also in 1870, H. W. Hallett was president. O. D. Morse was president in 1871-72; G. C. Andrews in 1873; Milton Bradley in 1874-75, and Wm. P. Draper in 1876, the membership then being 390. However, about this time the association ap- pears to have declined, and in the following year it is mentioned merely as having an existence.


In 1878 the Springfield Railroad Y. M. C. A. first appears by name in the general reports, and from that time its history has been continuous. The West Springfield railroad branch is first mentioned in 1882, and that, too, has since grown and pros- pered. From this we may fairly assume that the Springfield railroad branch was the only local association in the city from 1878 to 1883. In the latter year the Armory Hill association was organized and entered on its career of usefulness. It was incor- porated in 1886. In 1884 the Springfield association was organ- ized, and from that time to 1891 there were three Y. M. C. A. bodies in the city. The Springfield association was incorporated in 1885 as the Central Y. M. C. A., the corporators being J. Stuart Kirkham, Ralph W. Ellis, Stedman W. Craig, E. Porter


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Dyer, Z. W. Smith, Charles E. Brown, C. H. Morton, A. Ladner, W. F. Andrews, Charles H. Barrows, C. H. Southworth, F. H. Dumbleton, J. F. E. Chamberlain, F. D. Howard and W. M. White.


By an act of the legislature passed in 1891 the Central asso- ciation and the Armory Hill association were consolidated under the name of the "Springfield Young Men's Christian Associa- tion." Since that time the history of the greater body has been a record of continued and gratifying success. It soon came to be recognized as one of the leading institutions of the city, and under its liberal plan of government it has found favor and support in all christian circles. It is now referred to as one corporation with four branches, i. e .: The Central branch, cor- ner of State and Dwight streets; the Railroad branch, No. 227 Main street ; the West Side branch, and the Student's branch, at the training school on Alden street.


During the twenty-five years following the first attempt to found an association in the city, the endeavors of the interested persons were opposed by many obstacles, some of which were unsurmountable, but later efforts in the same direction have been rewarded with gratifying success. On May 5, 1894, the associa- tion laid the corner-stone of the splendid Y. M. C. A. building on State street, and on March 19, 1895, the completed structure was dedicated with appropriate ceremonies. The building cost about $130,000.


The association now has a total membership of 553 men and 176 boys, or an aggregate of 729 members. The officers and directors in 1901 are as follows: Jonathan Barnes, president ; Henry H. Bowman, vice-president; Herbert C. Hastings, record- ing secretary; Ralph P. Alden, treasurer; William Knowles Cooper, general secretary. Board of directors, W. P. Draper, Jonathan Barnes, G. D. Chamberlain, L. C. Haynes, Charles H. Burnham, Wm. A. Lincoln, Ralph P. Alden, T. D. Potter, H. C. Hastings, H. H. Bowman, C. C. Lewis, W. W. Tapley, H. A. King, Mase S. Southworth, C. A. Crocker, F. W. Lathrop, H. E. Flint, W. F. Andrews, Charles Jacobus, John McFethries.


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CONNECTICUT VALLEY HISTORICAL SOCIETY


In the early part of the year in which was celebrated the centennial of American independence a number of interested citizens of Springfield and its locality began to discuss the sub- ject of forming a historical society whose purpose should be "to procure and preserve whatever may relate to the natural, civil, military, literary, ecclesiastical and genealogical history of the country, and especially of the territory included in the Connecti- cut valley."


Several preliminary meetings were held for free discussion of the subject, and on November 1, 1876, the articles of associa- tion of the Connecticut Valley Historical society were duly signed by Henry Morris, William Rice, Samuel Bowles, Samuel G. Buckingham, Augustus Lord Soule, Henry S. Lee, Charles Marsh, Homer Merriam, E. A. Reed, Joseph C. Pynchon and William L. Smith. On April 21 the organizers adopted by-laws for the regulation of the society and elected the first board of officers, viz .: Henry Morris, president; Augustus L. Soule, William L. Smith, Samuel Bowles, vice-presidents ; William Rice, clerk and treasurer ; S. G. Buckingham, Homer Merriam, E. A. Reed, Joseph Pynchon, Henry S. Lee, Charles Marsh, executive committee.


Thus was perfected the organization of what was intended to be one of the most beneficial historical, social and literary societies in the valley region and for a time the zeal of its mem- bers and the public approval seemed to indicate a permanent and healthful existence in all later years. On May 22, 1876, the membership was increased by 53 persons, and in September fol- lowing 46 more names were placed on the rolls. For nearly five years a lively interest was manifested in the affairs of the society, after which the records show evidences of decline in the frequent notings of "no quorum." No meetings were held from 1882 to 1889, during which period the society lay dormant; but in the latter year a radical reorganization was effected, the by-laws were amended and re-adopted, and a new membership of more than 250 persons was established. Instead of three vice-presi-


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dents, the number was increased to thirteen, and they were selected from various towns of this county and Hampshire and also from the neighboring towns in Connecticut.


The reorganization having been accomplished the society was again established upon an apparently secure basis, but in the course of a few years the interest again began to abate and there came various omissions of meetings. However, during these years the society succeeded in collecting a large amount of valu- able historical material and published one excellent volume; and while a majority of the members became somewhat indifferent to the success and permanency of the institution, a few active and willing spirits maintained and supported it for years. No reg- ular meetings were held between 1896 and 1901, when, in the latter year, a second revival was accomplished through the efforts of a few loyal members. The purposes of the society certainly are commendable and its work should be given the hearty support of every loyal son and daughter of the entire region of the Con- necticut valley.


The officers of the society since its organization have been as follows :


1876-Henry Morris, president; A. L. Soule, Wm. L. Smith, Samuel Bowles, vice-presidents ; Wm. Rice, clerk and treasurer.


1877-Henry Morris, president ; A. L. Soule, Samuel O. Lamb, Samuel T. Spaulding, vice-presidents; Wm. Rice, clerk and treasurer.


1878-1888-Henry Morris, president; A. L. Soule, S. O. Lamb, Rev. L. Clark Seelye, vice-presidents ; Wm. Rice, clerk and treasurer.


1889-90-Rev. Dr. Samuel G. Buckingham, president ; Geo. D. Robinson, E. B. Gillett, W. B. C. Pearsons, L. Clark Seelye, George M. Steele, Levi Stockbridge, S. O. Lamb, Charles L. Gard- ner, J. W. Harding, Wm. N. Flynt, R. O. Dwight, Henry F. Brown, H. S. Sheldon, vice-presidents ; Edward Morris, clerk; Charles Marsh, treasurer; A. H. Kirkham, cor. sec.


1891-Samuel G. Buckingham, president; same as in pre- vious year, vice-presidents ; Edward Morris, clerk; A. H. Kirk- ham, corresponding secretary and treasurer.


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1892-93-Samuel G. Buckingham, president ; Wm. S. Shurt- leff, first, Wm. Rice, second, Clark W. Bryan, third vice-presi- dent ; Edward Morris, clerk ; J. Stuart Kirkham, treasurer ; A. H. Kirkham, corresponding secretary.


1894-William S. Shurtleff, president; S. G. Buckingham, Clark W. Bryan, Alfred M. Copeland, vice-presidents; W. F. Adams, clerk; J. Stuart Kirkham, treasurer; A. H. Kirkham, corresponding secretary.


1895-William S. Shurtleff, president; S. G. Buckingham, Clark W. Bryan, Alfred M. Copeland, vice-presidents; W. F. Adams, clerk; A. H. Kirkham, treasurer; Harry A. Wright, cor- responding secretary.


1896-1900-Alfred M. Copeland, president; Samuel G. Buckingham, Clark W. Bryan, John L. Rice, vice-presidents ; W. F. Adams, clerk; Harry A. Wright, treasurer; A. H. Kirk- ham, corresponding secretary.


1901-Alfred M. Copeland, president ; John L. Rice, Samuel Bowles, Edward P. Chapin, vice-presidents; William C. Stone, clerk and treasurer: Albert H. Kirkham, corresponding secre- tary ; W. F. Adams, Harry A. Wright, Frank G. Tobey, Freder- ick H. Stebbins, Mrs. Charlotte E. Warner, Miss Mary A. Booth, executive committee.


CHAPTER VI


THE CITY OF SPRINGFIELD-BOARD OF TRADE


In the early part of 1890 several business men in informal conversation were discussing the probable benefits to be derived from an organization whose purpose should be to promote com- mercial and manufacturing interests in the city, and in the course of a few days, as a result of the meeting, the following circular was addressed to many citizens :


"Sir :- Your presence is earnestly desired at the old Grand Army Hall, in the Massachusetts Life Insurance building, No.


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413 Main street, on Monday, March 3, at 7.30 p. m., for the pur- pose of considering the desirability of forming a Board of Trade or Commercial Club.


"Such an organization is most imperatively needed in our community, and in not having it, we are at present in the rear rank of the progressive municipalities of the country. Do not fail to attend. Respectfully,


"E. P. Chapin, W. E. Wright, H. P. Stone, Elisha Morgan, E. H. Lathrop."


The meeting was held, the subject in hand was thoroughly discussed, and a committee was appointed to consider and report at a future meeting a plan of permanent organization. The com- mittee comprised Harlan P. Stone, Clark W. Bryan, George M. Stearns, William E. Wright, Elisha Morgan, Edward S. Brad- ford, Henry S. Hyde, L. S. Stowe, Edward P. Chapin, A. N. Mayo, Noyes W. Fisk, Henry M. Phillips, N. C. Newell, A. D. Nason and E. B. Maynard, from whom Messrs. Hyde, Chapin, Fisk, Stearns and Stone were made a sub-committee to report on scope and plan.


The necessary preliminaries having been settled, a general meeting of business men of the city was held March 19, at which time it was determined to establish a corporate body ; and there- after, on March 31, the Springfield Board of Trade was incor- porated under the laws of the state. At a meeting held April 7 nearly 300 memberships were created, and on the next day a board of directors was chosen.


As is defined in the by-laws the purpose of the board is "To establish a body of recognized authority to deal with matters of interest to the business men of Springfield, and to the general public; to forward the prosperity of the mercantile and manu- facturing community ; and to procure and spread such informa- tion as will advance and elevate commercial dealings, and extend just methods of business by the establishment and maintenance of a place for business and social meetings."


Under its plan of government, the general body of the asso- ciation chooses a board of fifteen directors, in which is vested the control of the business policy, and also the authority to des- ignate the annual officers of the board.


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For more than ten years the Springfield board of trade has been an active factor for good in mercantile and manufacturing circles in the city. Its affairs always have been in prudent, safe hands, and much of the prosperity which has come to the city during that period is directly traceable to the excellent business capacity and sound judgment of the men who have comprised the board of officers and directors. To enumerate in detail the many benefits thus derived would require more space than is at our disposal, yet all business men in the city are aware of the importance and value of the board of trade as a factor in munici- pal history.


Since the organization the officiary of the board has been as follows :


1890-Harlan P. Stone, president; Elisha B. Maynard, Henry S. Hyde, vice-presidents ; George M. Stearns, secretary and treasurer; John W. Drown, assistant secretary ; Harlan P. Stone, R. F. Hawkins, Edward P. Chapin, A. A. Packard, Elisha Morgan, Clark W. Bryan, Henry M. Phillips, W. E. Wright, E. B. Maynard, A. D. Nason, George M. Stearns, H. S. Hyde, A. N. Mayo, Noyes W. Fisk, E. H. Lathrop, directors.


1891-O. S. Greenleaf, president; E. B. Maynard, Edward S. Brewer, vice-presidents ; George M. Stearns, treasurer ; John W. Drown, secretary; O. S. Greenleaf, E. B. Maynard, E. S. Brewer, G. M. Stearns, Charles H. Parsons, H. M. Phillips, A. H. Overman, Clark W. Bryan, A. N. Mayo, R. F. Hawkins, W. E. Wright, A. D. Nason, L. C. Hyde, H. P. Stone, Wm. W. More, directors.


1892-O. S. Greenleaf, president; Clark W. Bryan, Edward S. Brewer, vice-presidents ; Wm. A. Webster, clerk and secretary ; Edward P. Chapin, auditor; O. S. Greenleaf, W. E. Wright, A. H. Overman, E. S. Brewer, L. C. Hyde, H. P. Stone, T. L. Haynes, H. M. Phillips, A. D. Nason, Clark W. Bryan, R. F. Hawkins, E. P. Chapin, George Nye, Peter Murray, A. B. Wal- lace, directors.


1893-Charles Hall. president ; Clark W. Bryan, Louis C. Hyde, vice-presidents ; Wm. W. More, treasurer; Wm. A. Web- ster, clerk and secretary ; E. P. Chapin, auditor ; O. S. Greenleaf,


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Elijah Belding, Lyman P. Briggs, A. J. Wright, L. C. Hyde, W. O. Day, T. L. Haynes, H. M. Phillips, Charles Hall, Clark W. Bryan, Francis D. Foot, Charles VanVlack, George Nye, jr., Peter Murray, A. B. Wallace, directors.


1894-James T. Abbe, president ; Clark W. Bryan, Louis C. Hyde, vice-presidents ; Wm. W. More, treasurer; Wm. A. Web- ster, clerk and secretary; Edwin A. Carter, auditor; Charles Hall, O. S. Greenleaf, James T. Abbe, Clark W. Bryan, A. B. Wallace, L. C. Hyde, John S. Sanderson, Charles Van Vlack, T. L. Haynes, Lyman P. Briggs, Peter Murray, W. O. Day, Francis D. Foot, John West, N. D. Winter, directors.


1895-Newrie D. Winter, president; Charles Van Vlack, John S. Sanderson, vice-presidents; Wm. W. More, treasurer; Wm. A. Webster, clerk and secretary ; Edwin A. Carter, auditor ; N. D. Winter, Charles Hall, Charles Van Vlack, T. L. Haynes, L. P. Briggs, J. S. Sanderson, H. P. Stone, E. C. Rogers, H. C. Rowley, R. W. Day, Frederick Harris, Charles C. Lewis, H. G. Gilmore, C. C. Spellman, P. H. Potter, directors.


1896-John Olmsted, president; Francke W. Dickinson, H. C. Rowley, vice-presidents ; W. W. More, treasurer; W. A. Web- ster, clerk and secretary; E. A. Carter, auditor ; John Olmsted, H. C. Rowley, B. D. Rising, H. G. Gilmore, J. P. Falt, E. C. Rogers, H. H. Bowman, T. W. Leete, F. W. Dickinson, P. H. Potter, N. D. Winter, D. H. Brigham, James F. Bidwell, C. C. Spellman, L. Z. Cutler, directors.


1897-Francke W. Dickinson, president ; Edward C. Rogers, Henry H. Bowman, vice-presidents ; W. W. More, treasurer; W. A. Webster, clerk and secretary ; Edwin A. Carter, auditor ; John Olmsted, H. H. Bowman, B. D. Rising, F. W. Dickinson, J. P. Falt, David Allen Reed, Charles E. Hoag, E. C. Rogers, T. W. Leete, P. H. Potter, Leroy Z. Cutler, Samuel D. Sherwood, David E. Taylor, Nathan D. Bill, Judson Strong, jr., directors.


1898-Theodore W. Leete, president; William W. More, Henry E. Marsh, vice-presidents ; Louis C. Hyde, treasurer ; Wm. A. Webster, clerk and secretary ; Edwin A. Carter, auditor ; John Olmsted, F. W. Dickinson, H. H. Bowman, T. W. Leete, D. A. Reed, L. Z. Cutler, S. D. Sherwood, D. E. Taylor, Judson Strong,


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jr., Wm. W. More, H. W. Marsh, E. O. Clark, Ralph W. Ellis, Henry J. Perkins, R. Hale Smith, directors.


1899-Theodore W. Leete, president ; Henry E. Marsh, Mase S. Southworth, vice-presidents ; L. C. Hyde, treasurer ; Frederick S. Sibley, clerk and secretary; George H. Kemater, auditor; T. W. Leete, H. E. Marsh, M. S. Southworth, R. H. Smith, H. J. Perkins, H. H. Bowman, S. D. Sherwood, E. O. Clark, D. E. Taylor, Lewis F. Carr, Walter G. Morse, Charles A. Stone, Stan- ford L. Haynes, Charles D. Reid, William E. Wright, directors.


1900-Theodore W. Leete, president; Mase S. Southworth, Henry E. Marsh, vice-presidents ; Louis C. Hyde, treasurer ; Fred. S. Sibley, clerk and secretary ; George H. Kemater, auditor; T. W. Leete, M. S. Southworth, H. E. Marsh, R. Hale Smith, Wm. E. Wright, E. O. Clark, Charles D. Reid, W. G. Morse, C. A. Stone, S. L. Haynes, William P. Hayes, Everett H. Barney, Azel A. Packard, Eliphalet T. Tifft, Charles A. Royce, directors.


1901-Henry E. Marsh, president; Charles D. Reid, Charles A. Stone, vice-presidents; Louis C. Hyde, treasurer; Frederick S. Sibley, clerk and secretary; George H. Kemater, auditor ; Henry E. Marsh, Charles D. Reid, Charles A. Stone, Theodore W. Leete, Mase S. Southworth, William P. Hayes, Stanford L. Haynes, Everett H. Barney, Eliphalet T. Tifft, Charles A. Royce, Charles C. Lewis, Herbert C. Puffer, Henry A. King, William H. Baush, James J. Sullivan, directors.


BANKING AND FINANCIAL INSTITUTIONS


One of the surest indications of a healthful condition of busi- ness affairs in any city is in the number of its banking houses. Ordinarily cities of less than 65,000 population do not maintain fifteen regular corporate banks, yet in Springfield this condition obtains and, what is more, each of these institutions is planted on a firm foundation. The first bank opened here is yet in opera- tion and its history has been an unbroken record of business prosperity, although the original name is now changed; and in the same manner the most recently organized banking house of the city is also in a flourishing condition notwithstanding the numerous similar institutions with which it must compete in


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order to do business. As a matter of fact Springfield, in its busi- ness history, is an exceptional city and draws a vast amount of trade in all commercial and industrial lines from beyond its own corporate limits. The truth of this statement is readily apparent to the casual observer of affairs, while to one who takes occasion to inquire closely into business conditions the magnitude and extent of local business operations is surprising and at times almost unaccountable. Naturally, in the course of events disas- ters have overtaken and caused the downfall of a few banks in the city, but these occurrences are specially noticeable for their infrequency, and on final liquidation serious losses generally have been averted.


The Springfield bank, the pioneer institution of its character in the city (then town), was incorporated by an act of the legis- lature passed February 4, 1814, with an original capital of $200,000, and with authority to continue business until October® 1, 1831. The state reserved the right to subscribe to $50,000 of the capital stock, also to borrow money from the bank, not ex- ceeding $20,000 at any one time. The incorporators were Jona- than Dwight, John Hooker, George Bliss, James Byers, James S. Dwight, Justin Ely, Jonathan Dwight, jr., Moses Bliss, jr., Ed- ward Pynchon and Oliver B. Morris. Subsequent to the original act the legislature frequently changed the amount of the capital stock, reducing it at one time to $100,000 and eventually increas- ing it to $250,000.


The corporation was fully organized at a meeting of stock- holders held May 12, 1814, at Jeremy Warriner's tavern. Jona- than Dwight, Jonathan Dwight, jr., James Byers, John Hooker and Moses Bliss were chosen directors. The first president was Jonathan Dwight, and the first cashier was Edward Pynchon. The bank opened its doors for business in a building on State street, and remained in that location until 1866, when, having been reorganized under the national banking act of 1863, it was removed to the corner of Main street and Townsley avenue, the site now occupied by the successor institution, the Second Na- tional bank of Springfield. During the period of its history under the state law, the old Springfield bank was one of the


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strongest and most reliable financial institutions in the Connecti- cut valley, and when after almost forty years of successful oper- ation it was converted into a national bank its old-time record survived in the memory of business men and it was looked upon with much favor in local circles.


The presidents of the old bank down to 1863 were Jonathan Dwight, 1814-17; John Hooker, 1817-19; (no record from 1819 to 1833) ; James Byers, 1833-36 ; John Howard, 1836-49 ; Benja- min Day, 1849-56; Edward A. Morris, 1856-59; Henry Alexan- der, 1859-63. The cashiers for the same period were Edward Pynchon, 1814-17 ; Moses Bliss and Benjamin Day, from 1817 to 1823; John Howard, 1823-36; Lewis Warriner, 1836-63.


The Second National bank, No. 181, was the direct out- growth of the Springfield bank, the latter having been reorgan- ized in 1863 in conformity to the provisions of the act of con- gress authorizing national banks. Its capital was, and still is, $300,000, and from the time of reorganization to the present day it has been regarded as one of the safest and most substantial financial institutions in the county. According to the most re- cent published report of its condition the bank has assets of the value of more than $1,500,000, a surplus fund of $150,000, and an undivided profit account of over $45,000.


The succession of presidents of the Second National bank since 1863 is as follows: Henry Alexander, 1863-78; Alfred Rowe, 1878-87; Albert T. Folsom, 1887-93; Gurdon Bill, 1893- 1900; Walter G. Morse, 1900- -. The cashiers for the same period have been Lewis Warriner, 1863-80; Harry P. Piper, 1880-81; Charles H. Churchill, 1881-now in office. Directors, 1901, Gurdon Bill, Dwight O. Gilmore, Theodore W. Leete, Wal- ter G. Morse, Henry M. Phillips, William P. Porter, Frank C. Rice, George A. Russell, Horace P. Wright.


The Chicopee bank, the second banking institution in Spring- field, was incorporated April 9, 1836, with $200,000 capital, by Elisha Edwards, William Bryant, Albert Morgan, and their associates. Its organization was perfected at a meeting held in Jeremy Warriner's famous hostelry, and on October 30 its doors were opened for business with George Bliss, president, and Henry


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Seymour, cashier. The first directors were George Bliss, Elisha Edwards, William Bryant, Sable Rogers, James Brewer, Albert Morgan, Edward A. Morris, Wells Lathrop and William Dwight.


The bank began business at the corner of Main and Elm streets, where from 1836 to 1865 it was in the heart of the mer- cantile district of the town and subsequent city. The successor institution, the Chicopee National bank, occupies the same cor- ner, although the old building of early years has been replaced with one of more modern construction and architecture. From the beginning of its history the Chicopee bank has been success- ful in its business operations and its managing officers have been chosen from the best material at the command of the directors. Previous to the reorganization in 1865 the presidents were George Bliss, 1836-46, and Philo Wilcox, 1846-65. For the same period the cashiers were Henry Seymour, 1836-41; B. Frank Warner, 1841-56; Thomas Warner, jr., 1856-65.


The Chicopee National bank, No. 464 (revised No. 466), suc- cessor to the Chicopee bank, the state institution, was incorpor- ated in March, 1865, under the act of congress authorizing the organization of national banks in the several states. The change was one of character of the corporation rather than in business policy of the old bank, and nearly all the directors of the former were re-elected. The personnel of the new board was as follows: Jas. D. Brewer, Philo F. Wilcox, Henry Fuller, jr., Gad O. Bliss, Elijah W. Bliss, Horace Smith and Henry S. Lee. The new officers were James D. Brewer, president, and Thomas Warner, cashier. The subsequent presidents have been Henry S. Lee, 1866-69 ; Henry Fuller, jr., 1869-87 ; Horace Smith, 1887-9 ; A. J. McIntosh, March, 1893-now president. The cashiers have been Thomas Warner, 1865-79; and Arthur B. West, 1879-now cashier.


The Chicopee bank (by this name it has been known in Springfield business circles for more than sixty-five years) has long been regarded as one of the sound financial institutions of the city, and deservedly has enjoyed a successful and healthful business career. During the period of its history as a state bank the capital was occasionally changed to meet new conditions, but




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