USA > Maine > Kennebec County > Waterville > The centennial history of Waterville, Kennebec County, Maine, including the oration, the historical address and the poem presented at the celebration of the centennial anniversary of the incorporation of the town, June 23d, 1902 > Part 33
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367
HISTORY OF WATERVILLE.
bank has paid in dividends since 1865, $286,000, to July 1, 1902 and its net earnings to July 16, 1902, have been $325,800.
The Ticonic National is the historic and family bank of the city, having been organized as a State bank in 1831 to succeed the old Waterville Bank founded in 1814, and members of the prom- inent old families in the past and at the present time being con- nected with its management. Geo. K. Boutelle, the president at this time is a son of Dr. N. R. Boutelle who filled the same office from 1884 to 1891, and is a grandson of Timothy Boutelle who served as a director of the old Waterville Bank and was president of the Ticonic from 1832 to 1855. A. H. Plaisted and his father, A. A. Plaisted, are respectively great-grandson and grandson of Moses Appleton, a director of the old Waterville Bank, A. H. Plaisted's maternal grandfather, Solyman Heath, was president of the Ticonic in 1865. Jos. Eaton of the present board is a grandson of the Jos. Eaton who was president from 1855 to 1865 and Asa Redington, connected with old Waterville Bank for many years as cashier or director, is the ancestor of all the Redingtons now living in this city.
Hascall Shailer Hall, the present cashier, is son of Edw. W. Hall, librarian and registrar of Colby College. He was born in Waterville April 16, 1876, and received his education here, graduating from Colby in 1896, and was engaged in teaching before entering the bank. Mr. Hall is a member of the Masonic order but holds no public office. The average individual deposits of the T'iconic for the year ending with the date of the following report have been $79,584.
368
HISTORY OF WATERVILLE.
REPORT OF THE CONDITION OF THE TICONIC NATIONAL BANK, at Waterville, in the State of Maine, at the close of business, July 16, 1902. RESOURCES.
Loans and discounts
$181,744 93
Overdrafts, secured and unsecured
215 79
U. S. Bonds to secure circulation
25,000 00
Stocks, Securities, etc
10,611 33
Banking-house furniture, and fixtures
10,000 00
Due from National Banks (not reserve agents)
1,500 00
Due from approved reserve agents
29,053 09
Checks and other cash items
1.153 02
Notes of other National Banks
6,465 00
Fractional paper currency, nickels, and cents
20 00
Lawful Money Reserve in Bank, viz :
Specie
10,097 59
Legal-tender notes
4,100 00
14,197 59
Redemption fund with U. S. Treasurer (5 per cent. of circulation, )
1,250 00
Total
$281,210 75
LIABILITIES.
Capital stock paid in
$100,000 00
Surplus fund
20,000 00
Undivided profits, less expenses and taxes paid
19,799 74
National Bank notes outstanding
25,000 00
Due to other National Banks
492 79
Due to Trust Companies and Savings Banks
18,836 27
Dividends unpaid
477 00
Individual deposits subject to check
93,365 45
Cashier's checks outstanding
3,239 50
Total
$281,210 75
State of Maine, County of Kennebec, ss :
I, Hascall S. Hall, Cashier of the above named bank, do solemnly swear that the above statement is true to the best of my knowledge and belief.
HASCALL S. HALL, Cashier. Subscribed and sworn to before me this 23rd day of July, 1902.
J. FOSTER PERCIVAL, Notary Public. Correct,-Attest :
GEO. K. BOUTELLE, JOSEPH EATON, WILLIAM T. HAINES,
Directors.
NEHEMIAH GETCHELL, 2nd.
ELDRIDGE I. GETCHELL.
369
HISTORY OF WATERVILLE.
WATERVILLE BANK. WATERVILLE NATIONAL BANK.
This bank was chartered as a State bank in 1850, commencing business with a capital of $25,000, all paid in coin. The first board of directors was Samuel P. Shaw, president ; Increase S. Johnson, James Stackpole, Jr., Stephen Stark, John R. Phil- brick, Wm. Moor, Ebenezer Frye, Thomas G. Kimball and Daniel H. Brown. Augustine Perkins was first cashier. The location of the bank when commencing business was over the Esty & Kimball store in Ticonic row. This was the store at the north end of the block and on the old stone door posts can still be seen the bank's sign painted on either side of the entrance. The bank in 1866 purchased the wooden building then standing on the south corner of Main and Silver streets, using an upstairs room for a banking office, and in 1877 erected the brick building which now stands on this lot and is called the Milliken block. The banking office was on the lower floor in the room now used as a fruit store by King & Paganucci. Mr. Shaw was succeeded as president, in 1856, by D. L. Milliken who held the office to the closing of the bank. Mr. Perkins resigned in 1861 and I. S. Bangs was chosen cashier, serving until 1862, when he resigned to enter the army.
Mr. Perkins was again chosen but resigned in 1863 on account of ill health and Eldridge L. Getchell was elected and continued to the closing of the bank. The Waterville became a national bank in 1865 and its affairs were closed up in 1879-80. The capital of the bank at the time of winding up was $125,000 and the stockholders received the value of their stock in full and a stock dividend of 20%. This bank was well managed and paid good dividends. An item of interest in the director's records is the passing of a vote in March, 1851, thanking the directors of the Ticonic Bank for the courtesy and liberality extended by them and promising to reciprocate. The board of directors at time of the bank's closing was D. L. Milliken, James Stackpole, Francis Dow of Clinton, Thomas G. Kimball, E. F. Webb, Elias Milliken and I. S. Bangs.
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370
HISTORY OF WATERVILLE.
PEOPLE'S BANK.
The records of this bank not having been preserved its history will necessarily be short. It was organized in 1855 with Paul L. Chandler as president and Sumner Percival, cashier. John R. Philbrick was president at one time and Homer Percival, father of the present cashier of the People's National, succeeded his brother Sumner as cashier in 1859. John Ware was presi- dent in 1865 when the change to the national form was made.
PEOPLE'S NATIONAL BANK.
In 1864 there were three banks in Waterville, the Ticonic, successor of the old Waterville ; a second Waterville Bank dating from 1850, and People's Bank which commenced business in 1855. These three banks voted to apply for charters under the national system and it was agreed in a spirit of fairness that the applications should all be sent in the same mail. The People's National certificate bears date March 15, 1865. At this time it was located in the second story of a wooden building standing on the site now occupied by a brick store belonging to Geo. K. Boutelle, the lower floor used by W. A. Hager as a confectionery and ice cream store. The bank afterwards moved to a wooden building where the Hanson, Webber & Dunham store is, and purchased in 1884 the brick building in which it is now located.
The first board of directors after the change to the national form was John Webber, father of John N. Webber, vice-presi- dent at the present time; Thomas W. Herrick, William Connor of Fairfield, James P. Blunt, William Dyer, Luke Brown, 2nd, and L. E. Thayer. The late F. P. Haviland was at one time a director.
Presidents : John Webber, 1865-1882; N. G. H. Pulsifer, 1882-1893 ; J. W. Philbrick, 1894-1900; E. G. Hodgdon of Clin- ton, 1900,-Cshiers : Homer Percival, 1865-1893; J. Foster Percival, 1893 -; Ernest E. Decker, the present assistant, was appointed in May, 1896. The present board of directors is E. G. Hodgdon, president; John N. Webber, vice-president ; Arthur J. Alden, Christian Knauff and Llewellyn Parks of Pittsfield. The vacancy on the board caused by the death of Jonas P. Gray,
37I
HISTORY OF WATERVILLE.
for many years a director has not been filled at the present writ- ing. The capital of the People's was $150,000 in 1865 and in 1875 it was increased to $200,000. It has paid as a national bank to July I, 1902, dividends amounting to $592,653, and its net earnings to July 16 are $654,281.
People's National Bank has lately installed the latest electric protective system, has improved and strengthened its vault, put- ting in a fine new door and vestibule and has added safety deposit boxes to its equipment. J. Foster Percival, the present cashier, was born in Waterville in 1847 and received his education in the common schools and high school of the city. From 1864 to 1870 he was with a Boston commission house and from 1870 to 1875 in the elevator business in Duluth. In 1875 he returned to his native town and purchased the book business long carried on by Chas. K. Mathews in the store in the Phenix block now occupied by W. B. Blanchard. In 1883 he sold his book business and entered the bank as his father's assistant, serving in that capacity for ten years, when he was chosen cashier in 1893. Mr. Percival has been treasurer of St. Mark's (Episcopal) church since it was organized in 1876. He holds no other public office.
The average individual deposits of the People's National the past year have been $146,584.
372
HISTORY OF WATERVILLE.
REPORT OF THE CONDITION OF THE PEOPLE'S NATIONAL BANK, at Waterville, in the State of Maine, at the close of business, July 16, 1902. RESOURCES.
Loans and discounts $314,651 08
Overdrafts, secured and unsecured
1,746 54
U. S. Bonds to secure circulation 50,000 00
Stocks, securities, etc
32,390 00
Banking-house, furniture and fixtures
16,150 00
Due from National Banks (not Reserve Agents)
137 28
Due from approved reserve agents
31,759 33
Checks and other cash items
4,140 55
Notes of other National Banks
5,000 00
Fractional paper currency, nickels & cents
8 22
Lawful money reserve in Bank, viz:
Specie 13,114 50
Legal-tender notes 3,000 00
16,114 50
Redemption fund with U. S. Treasurer, (5 per cent. of circulation),
2,500 00
Total
$474,597 50
LIABILITIES.
Capital stock paid in
$200,000 00
Surplus fund
50,000 00
Undivided profits, less expenses and taxes paid
11,628 41
National Bank notes outstanding
50,000 00
Due to Trust Companies and Savings Banks
15,133 74
Dividends unpaid
3,458 95
Individual deposits subject to check
129,718 73
Demand Certificates of deposit
4,657 67 -
Bills payable, including certificates of deposit for money borrowed
10,000 CO
Total
$474,597 50
State of Maine, County of Kennebec, ss :
I, J. F. Percival, Cashier of the above named Bank, do solemnly swear that the above statement is true to the best of my knowledge and belief.
J. F. PERCIVAL, Cashier. Subscribed and sworn to before me this 21st day of July, 1902.
HASCALL S. HALL, Notary Public.
Correct-Attest :
JOHN N. WEBBER, C. KNAUFF, E. G. HODGDON,
Directors.
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373
HISTORY OF WATERVILLE.
MERCHANTS NATIONAL BANK.
The Merchants National Bank was founded by John Ware in 1875, its charter being dated October 23 of that year, and it was opened for business January 1, 1876. The first board of direc- tors was made up of John Ware, Geo. C. Getchell, Chas M. Barrell, Colby C. Cornish of Winslow, Gideon Wells of Clinton, John C. Manson of Pittsfield and John Ware, Jr. John Ware was first president and Geo. H. Ware, his son, cashier. John Ware, Sr., died in 1877 and his son John Ware, succeeded him as president and holds the office at the present time. Geo. H. Ware resigned his office as cashier in 1879 on account of ill health and the present incumbent, Horatio D. Bates, was elected June 1, 1879; Luke S. Spencer, assistant, entered the bank in 1886. The present board of directors is composed of John Ware, president ; L. H. Soper, vice-president ; Geo. H. Ware, J. M. Winn of Clinton, Ira E. Getchell of Winslow, Fred Pooler and Chas. F. Johnson. Others who have served as directors are the late Geo. S. Flood, the late E. F. Webb and A. P. McMaster of Pittsfield. The bank has always occupied its present location, having bought the property of Chas. F. Barrell. The total divi- dends of this bank have been $160,500 to July I, 1902, and total net earnings to April 30, 1902, $205,520. The Merchants through its connection with Brown Brothers and Company, draws its own drafts on any foreign country.
Mr. Bates the present cashier was born in Gardiner in 1849 and received his education in the common schools and Westbrook Seminary. Before his appointment as cashier he was employed as bookkeeper in Shawmut and Waterville. Mr. Bates is treas- urer of the Waterville and Fairfield Railway and Light Com- pany, of the Waterville Loan and Building Association, the Free Library Association and has been auditor of the town and city since 1886 with the exception of the years 1894, 1895 and 1897. He is an Odd Fellow and is clerk of the Unitarian Society.
The average individual deposits of the Merchants National for the past year have been $156,868
374
HISTORY OF WATERVILLE.
REPORT OF THE CONDITION OF MERCHANTS NATIONAL BANK, at Waterville in the State of Maine, at the close of business, July 16, 1902.
RESOURCES.
Loans and discounts $179.280 53
Overdrafts, secured and unsecured
719 75 -
U. S. Bonds to secure circulation 25,000 00
Stocks, securities, etc 74,673 35
Banking-house, furniture and fixtures
9,000 00
Due from approved reserve agents
23,130 55
Internal Revenue Stamps
160 00
Checks and other cash items
969 59
Notes of other Nat'l Banks
8,541 00
Fractional paper currency, nickels and cts
128 88
Lawful money reserve in bank, viz : Specie 15,350 50
Legal-tender notes
3.909 00
19,259 50
Redemption Fund with U. S. Treasurer, (5 per cent. of circulation)
1,250 00
Total
$342,113 15
LIABILITIES.
Capital stock paid in
$100,000 00
Surplus Fund
30,000 00
Undivided profits, less expenses and taxes paid
14.520 54
National Bank Notes outstanding
25,000 00
Due to Trust Companies and Savings Banks
6,000 00
Dividends unpaid
162 00
Individual deposits subject to check
164,110 88
Demand certificates of deposit
1,937 00
Cashier's checks outstanding
382 70
Total
$342,113 15
State of Maine, County of Kennebec, ss :
I, H. D. Bates, Cashier of the above-named bank, do solemnly swear that the above statement is true to the best of my knowledge and belief.
H. D. BATES, Cashier. Subscribed and sworn to before me this 18th day of July, 1902.
HARVEY D. EATON, Notary Public.
Correct-Attest :
J. M. WINN, FRED POOLER, CHAS. F. JOHNSON, Directors.
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375
HISTORY OF WATERVILLE.
WATERVILLE LOAN AND TRUST COMPANY.
February 19, 1889, the legislature granted a charter for this institution to W. T. Haines, F. C. Thayer, Chas. G. Carleton and W. A. R. Boothby and their associates under the name of The Waterville Loan, Trust and Safe Deposit Company. This name was later changed to Waterville Trust and Safe Deposit Company and afterwards to its present title. Its charter pro- vided for the double liability of stockholders and the establishing of branches. The company fitted up offices, vaults, and installed safety deposit boxes in the Masonic block and commenced busi- ness February 20, 1893. Frederick C. Thayer served as tempo- rary president and Chas. G. Carleton as treasurer, during the organization period. Isaac C. Libby was first president after the bank opened for business and R. E. Attwood, treasurer. The first board of directors was F. C. Thayer, C. G. Carleton, W. T. Haines, Geo. R. Swasev and E. A. Milliken. Mr. Libby died in 1899 and E. J. Lawrence of Fairfield, the present incumbent, was elected in March, 1900. R. E. Attwood was succeeded as treasurer in February, 1898, by Harry L. Holmes. R. E. Lin- coln was assistant until September, 1897, when he resigned and Chas. W. Vigue was appointed. The present board of directors is E. J. Lawrence, president ; Horace Purinton, vice-president ; F. C. Thayer, S. A. Nye of Fairfield, Cyrus W. Davis, C. W. Abbott and P. S. Heald. The first branch opened by the com- pany was in Newport April, 1893, and in April, 1898, branches were started in Dexter, Corinna and Hartland. These branches act as feeders to the main office at Waterville so that practically the banking business in these country towns is done in this city.
Each branch, as well as the home office has a savings depart- ment and this has proved a great convenience in the places where the branches were established. The company does a general banking, trust and safe deposit business. It is trustee for the bonds of the following companies: Lewiston, Brunswick and Bath Street Railway ; Portsmouth, Kittery and York Street Rail- way; Bangor, Orono and Old Town Street Railway; Calais Street Railway; Machias Water Company; Newport Water Company ; Riverside Woolen Company of Pittsfield ; Gold King Consolidated Mines Company ; Maine Condensed Milk Company.
376
HISTORY OF WATERVILLE.
The institution is well managed, having an excellent growth and is paying at present 8% dividends.
Harry Lewis Holmes, the present treasurer, is a resident of Fairfield. He graduated from Fairfield High School in 1885 and from Dirigo Business College, Augusta, in 1886. He was bookkeeper for the Maine Manufacturing Company of Fairfield for about five years and served as bookkeeper and paymaster for about the same period with the lumber firm of G. A. and C. M. Phillips. He is a member of Siloam Lodge, F. & A. M., Fairfield, and of Merrymeeting Chapter, O. of E. S., in the same town.
Statement Waterville Trust Company April 26, 1902:
LIABILITIES.
Capital stock
$100,000 00
Undivided profits
31,266 65
Deposits, demand
226,188 27
Deposits, time
592,452 OI
Due other banks
1,645 53
$951,552 46
ASSETS.
Loans and discounts
$763,811 86
Stocks and bonds
42,000 00
Real estate
3,000 00
Fixtures and furniture
36,000 00
Interest due not paid
812 50
Expense Acct
1,680 96
Cash on deposit
73.943 83
Cash on hand
30,303 31
$951,552 46
WATERVILLE LOAN AND BUILDING ASSOCIATION.
This association, of a character which in Massachusetts are called co-operative banks, was organized in 1887, commencing business in April of that year. The first board of directors was I. S. Bangs, president ; P. S. Heald, R. A. Call, Jesse Stinson, U. S. Smith, W. T. Haines, J. W. Harmon and the secretary and treasurer of the association. The first secretary was W. A. R. Boothby ; treasurer, H. D. Bates; auditor, F. B. Hubbard,
377
HISTORY OF WATERVILLE.
and counsel W. T. Haines. Martin F. Bartlett, the present treasurer, succeeded W. A. R. Boothby who resigned in 1896, and P. S. Heald was chosen president in place of I. S. Bangs in 1895.
The present board of directors is P. S. Heald, W. T. Haines, George L. Learned, F. D. Lunt, Geo. W. Dorr, W. A. R. Boothby, H. D. Bates, A. W. Flood, M. F. Bartlett. Officers : P. S. Heald, president ; M. F. Bartlett, secretary ; H. D. Bates, treasurer ; W. T. Haines, counsel and M. E. Adams, auditor. The association has filled an important place in the community in affording a safe and quite profitable investment for monthly savings and in aiding the building of homes. The system under which these associations are managed enables them to loan on a less margin of security than that required by savings banks and this feature has been a stimulus to building where they are located. This association has loaned on first mortgage of real estate about $210,000, furnishing funds for the erection of over seventy houses, mostly of moderate cost. It has had careful management and its losses have been small.
The association from 1888 to 1900 paid six per cent per annum to its shareholders. Since that time the rate has been five per cent, the change being made necessary by the lowering of rates for loans and by the abolishing of the premium of twenty-five cents per share. The rate now for loans is six per cent, the in- terest and an installment of the loan being payable monthly. Holders of shares pay monthly, and this monthly compounding of interest and installments of principal enables the association to pay fair dividends to its shareholders.
The Fifteenth Annual Statement, May 24, 1902.
ASSETS.
Cash
$661 82
Share loans
986 00
Real estate loans
89,446 82
Temporary expense
40 50
Real estate account
3,000 00
Uncollected interest
1,387 42
$95,522 56
378
HISTORY OF WATERVILLE.
LIABILITIES.
Guaranty
$560 50
Profit and loss
3,118 77
Capital dues
85,608 04
House account
34 40
Bills payable
6,200 85
$95,522 56
M. F. BARTLETT, Secretary.
May 24, 1902.
I hereby certify that I have examined the accounts of the Waterville Loan & Building Association to date, and find the same correct.
M. E. ADAMS, Auditor.
WATERVILLE SAVINGS BANK.
(Written by E. T. Wyman.)
The Waterville Savings bank was chartered in 1869 with the following charter members of the corporation: L. E. Thayer, J. F. Elden, Reuben Foster, T. W. Herrick, William Tobey, John Webber, H. A. Marston, J. P. Caffrey, Chas. A. Henrickson, B. A. Robie, G. L. Robinson, Luke Brown, W. L. Leslie, Wil- liam Dyer, E. E. Getchell, G. B. Broad, Ira H. Lowe, S. C. Marston, N. G. H. Pulsifer, James P. Blunt, E. F. Webb, G. A. Phillips, D. R. Wing, Homer Percival, Noah Boothby and C. F. Hathaway.
The charter was accepted and the organization was partially completed March 23, 1869. March 29, a set of by-laws was adopted and on May 4 the organization was completed and a board of trustees was elected composed of William Dyer, C. F. Hathaway, Moses Lyford, Ira H. Lowe and N. G. H. Pulsifer. Homer Percival was elected treasurer and clerk, and William Dyer, president. May 10 the bank was located in the rooms occupied by the People's National Bank, the use of which was to be had for one year free of charge. The amount of the treas- urer's bond was fixed at $10,000 and his salary at $600. May 31, less than a month after the bank opened, ten loans amounting to about $9,000 were approved. The first depositor in the new bank was John A. Vigue, one of its present board of trustees. The first loan was made to Joseph H. Lunt. The bank was
379
HISTORY OF WATERVILLE.
examined for the first time in November and the trustees certified to the report that there were on deposit $67,773.02, and that profits of $566.20 were on hand.
In less than a year the list of depositors numbered 791 and the deposits amounted to $186,492.91. Homer Percival con- tinued to be secretary and treasurer until May 9, 1871, when his son, Marshall C. Percival, who had been from the beginning acting treasurer, was chosen treasurer, and held the office until May 25, 1874, when he resigned. In May of 1872 a dividend at the rate of seven per cent was declared. At this May meeting Reuben Foster was elected president and was re-elected every year until his death in 1898. Upon Mr. Percival's resignation as treasurer, Everett R. Drummond, the present treasurer, was chosen to succeed him.
In 1876 C. C. Cornish began a long term of service as one of the board of trustees. Moses Lyford, the last of the original board retired in 1886. In 1897, Albert F. Drummond, was chosen assistant treasurer. In 1898, George K. Boutelle was elected to the board to succeed Reuben Foster, deceased, George W. Reynolds was chosen president. In 1900 he was succeeded by Christian Knauff, the present president. The only financial embarrassment the bank has known came in 1876 when, on account of the marked shrinkage of railroad bonds and real estate, the board of trustees thought best for the bank to suspend. The bank examiner, after making a valuation of its assets, con- sidered them worth about 8712 per cent of the bank's liabilities. The trustees then arranged by an agreement with nearly all the depositors to scale down 1212 per cent rather than put the bank into the hands of a receiver. After a suspension of about six months, it resumed business on a basis the solidity of which has never since been questioned.
Present board of trustees : Christian Knauff, Josiah W. Bas- sett of Winslow, Geo. K. Boutelle, Dana P. Foster, Howard C. Morse, John A. Vigue, and S. T. Lawry of Fairfield. Officers : Christian Knauff, president ; Everett R. Drummond, treasurer ; Albert F. Drummond, assistant treasurer.
380
HISTORY OF WATERVILLE.
Statement of the condition of the Waterville Savings Bank, as it exis- ted on the 13th day of May, 1902.
LIABILITIES.
Deposits
$1,186,826 49
Reserve fund
51,320 00
Undivided profits
12,008 16
$1,250,154 65
RESOURCES.
Loans
$541,342 00
National bank stock, par
88,270 00
Other bank stock par
4,050 00
Railroad bonds
315,800 00
Railroad stock
14,500 00
Municipal and county bonds
144,500 00
Corporation bonds
37,900 00
United States bonds
17,000 00
Premium account
9,000 00
Real estate invested
21,600 00
Real estate by foreclosure
26,244 50
Cash and deposited
29,948 15
$1,250,154 65
The Bank Examiner makes the estimated market value of the above $1,320,549.70 or $125,873.21 above all liabilities.
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MAIN ST. OPPOSITE THE COMMON, 1850.
OLD FRONT ST., 1855.
CHAPTER XVII.
THE WATERVILLE WOMAN'S ASSOCIATION.
By MRS. JAMES H. HANSON.
The Waterville Woman's Association was formed in the year eighteen eighty-seven. Mrs. Sarah Scott Ware, widow of John Ware, Sr., a large-hearted woman of excellent judgment, benevo- lent purpose, and friendly interest in the working women of the town, with ample means, invited friends who were in sympathy with the movement, to meet at her house to form an association whose object should be, as expressed in the following words of the revised constitution : "To provide and maintain a homelike and attractive room, furnished with facilities for literary and womanly culture and usefulness, which shall be free to all women young and old.
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