USA > Ohio > Hamilton County > Cincinnati > Cincinnati, the Queen City, 1788-1912, Volume II > Part 25
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The next two years were uneventful in the banking district, as no new banks were organized. The city was prosperous and deposits increased.
E. H. Pendleton was now president of the Commercial bank and Hugh Col- ville, cashier, with Edward A. Foote, assistant cashier. B. F. Brannan and John Kilgour were president and vice president of the Franklin Bank respectively. Hewson White & Co. dissolved partnership, and M. M. White became cashier of the Fourth National Bank, a large number of the depositors of the old firm transferring their accounts to the National Bank. The Third National Bank ab- sorbed the Bank of the Ohio Valley, increasing its capital to $800,000 and add- ing to its official force W. A. Goodman as vice president.
The year 1873 was destined to be an active year financially. The continued prosperity of the country and the growth of the city stimulated the starting of three more banks: the German-American Bank of Hakman; Hengehold & Co., which became a member of the clearing house; the First German Loan Associ- ation of Cincinnati, which opened an office of discount and deposit at 508 Vine street, Wm. Hebel, director ; A. Sommer, cashier ; and F. J. Werner, comptroller ; and the German Banking Co., capital stock $250,000, which became a member of the clearing house, Leopold Burkhardt, the first president, later succeeded by
THE OLD FIRST NATIONAL BANK, 1900 Northeast Corner of Third and Walnut Streets
E
ONE OF THE CLASSIC OLD BANK STRUCTURES ON THIRD STREET
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Andrew Pfirrmann as president, John Hauck, vice president, and Charles Rice, cashier, made up the list of officials, and the banking room was opened at the southwest corner of Third and Walnut streets. Herman Levi & Co. opened a private bank, becoming members of the clearing house, and the Walnut Street Bank joined the clearing house during the year, thus making twenty-two mem- bers in the association.
As the year progressed, however, money conditions became more and more a matter of concern, and the continued prosperity of the country received a sudden check.
The panic of 1873, as the financial disturbance of this year has since been known, was precipitated by the suspension in New York on September 18th, of the banking firm of Jay Cooke & Co. Money had become more and more active, and currency had been gradually becoming so scarce that the shock of a suspension disturbed credit and made the lack of currency a menace to the banks of the country. Accordingly, on September 25th, the Cincinnati Clear- ing House followed the example of the New York Clearing House and passed resolutions to relieve the situation. These resolutions stated that the banks would not pay out currency except on small checks, and where there was actual need of currency for pay-rolls, and provided for the issuance of clearing house certifi- cates to be used in settlement of balances between the members, such certificates to be secured by a deposit of securities in the Safe Deposit Company, to be ac- cepted at 75 per cent of their current value.
William Hooper, W. W. Scarborough, R. R. Springer, Jason Evans and Oliver Perin were named the committee to carry into effect the above resolu- tions, to examine the securities pledged, and to issue the clearing house certifi- cates. $515,400 of these were redeemed within six weeks of the issuance of the first one. Thus the Cincinnati banks proved that they were well able to care for the deposits of the people even during times of financial stress.
The next two years following the panic of 1873 were exceedingly quiet among the banks and bankers. The period of recovery from the unsettled conditions lasted some time, and general business was very much depressed. Accordingly, no new banks were organized and no failures marked the period. Early in 1874 N. G. Nettleton & Co. liquidated, and in 1875 the First German Loan Associa- tion dissolved.
Early in the following year, 1876, the Western German Bank organized, with $100,000 capital stock, joined the clearing house, and occupied the office which the First German Loan Association had last occupied at Twelfth and. Vine streets. Edward Weil was the president, and F. J. Werner cashier, the latter having formerly been comptroller of the First German Loan Association.
Late in the year 1875 the firm of Andrews Bissell & Co. organized as a Na- tional bank, and in January 1876 the National Bank of Commerce opened with a capital stock of $300,000, with W. A. Goodman, president, and H. B. Bissell, cashier. A few months later the banking office was moved to the southwest cor- ner of Fifth and Walnut streets.
A number of other changes took place during this year. Evans & Co. changed the firm name to Hughes, Wright & Co., the partners now being H. W. Hughes, John R. Wright, Wm. Sumner, and Augustus Wessel. Larkin Wright
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& Co. changed the firm name to the old one of Jos. F. Larkin & Co. There were two more additions to the banking district during the year, namely S. Kuhn & Sons, the firm consisting of S. Kuhn, Louis Kuhn, and Simon Kuhn, with the office at No. 72 West Third street; and the Real Estate Savings Bank, J. N. Stoeckle, proprietor, at No. 66 West Third street.
The following year, 1877, two more new banks opened, the Queen City Bank, at No. 29 West Third street, and the Bank of Cincinnati at No. 441 Main street. J. C. Thomas was president, and Samuel R. Thomas cashier of the former bank, while H. A. Langhorst and H. Huseman were president and cashier respectively of the latter institution. The only other event of importance during the year was the change in the style of the firm of Gilmore, Dunlap & Co. to the old name of Gilmore and Company which had been the name of the firm over thirty years before. The partners now were James Gilmore, John G. Brotherton, Virgil G. Gilmore and Clarence D. Gilmore. Wm. J. Dunlap was now made cashier of the Lafayette Bank.
In 1878 the firm of Seasongood, Netter & Co., became Seasongood Sons & Co .. the partners being Jacob Seasongood, Lewis Seasongood, A. J. Seasongood, and Charles Mayer. Later in the year the National Bank of Commerce purchased the business of Gilmore & Co., and in December the deposits of the old firm were transferred to the National Bank of Commerce, the Gilmores retiring from active connection with the "street," having been prominent in the banking world since J. and G. R. Gilmore had formed a partnership in 1821. The directorate of the National Bank of Commerce now was composed of A. D. Bullock, John Shillito, S. H. Burton, R. Macready, R. A. Holden, W. A. Goodman, and A. H. Andrews.
Early in 1879 negotiations relative to a merger between the Lafayette Bank and the National Bank of Commerce were begun, and in April the deal was closed. The National Bank of Commerce moved to the Lafayette office, and the joint institution assumed the name of National Lafayette and Bank of Commerce on May Ist, with W. A. Goodman, president, Henry Peachey, vice president, W. J. Dunlap, cashier, and C. J. Stedman, assistant cashier. Mr. Peachey was added to the directorate and the capital of the old National Bank of Commerce was increased $100,000, making the capital of the new institution $400,000. Later in the year W. J. Dunlap resigned as cashier, the position some time later being filled by J. V. Guthrie, who had formerly been with the Northern Bank of Ken- tucky.
The years of 1877 and 1878 had their bank failures and liquidation, as well as the addition of new banks and firms doing a banking business. E. Kinney & Co., the Walnut Street Bank, Joseph A. Hemann & Co., and the German Amer- ican Bank were all forced to close their doors, in some cases the depositors suf- fering considerably. Hermann Levi & Co., liquidating, paying depositors in full. The next year was marked by two failures, C. F. Adae & Co., and the Miami Valley Savings Society being forced to suspend, depositors of C. F. Adae & Co., receiving but about 30 cents on the dollar.
Thus the year 1880 opened with six national banks, the First, Second, Third, Fourth, Merchants' and National Lafayette and Bank of Commerce; five state banks, the Commercial, Franklin, German Banking Co., Western German and Bank of Cincinnati; one savings bank, the Cincinnati Savings Society; and eight
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private banks, H. W. Hughes & Co., S. S. Davis & Co., A. G. Burt & Co., J. F. Larkin & Co., Espy Heidelbach & Co., Seasongood Sons & Co., S. Kuhn & Sons and the Real Estate Savings Bank, twenty banks and bankers all together, in ad- dition to the Safe Deposit Co., of which sixteen were members of the clearing house.
In November of this year the Citizens' National Bank, with a capital of $1,000,000 was organized, with B. S. Cunningham, president, G. P. Griffith, vice president and Geo. W. Forbes, cashier. The following year the German Bank- ing Co., nationalized in June with a capital of $500,000 as the German National Bank. J. F. Larkin Co., formed the Metropolitan National Bank in July with a capital of $500,000. J. F. Larkin, president, Jos. R. Brown, vice president, and John R. DeCamp, cashier, keeping the bank room where the old firm had been on Third street; and in August the Union National Bank was formed from the partnership of H. W. Hughes & Co., capital, $500,000, H. W. Hughes being president and O. H. Tudor, cashier. Thus by the end of the year there were eight national banks.
The year of 1882 continued the increase in the number of National banks, as the Exchange National, the Cincinnati National and the Queen City National were all organized, none of them being the result of a reorganization of old firms or state banks. The Exchange. National Bank had as its first president Francis Ferry, succeeded the next year by B. F. Power, Hugh Colville, formerly cashier of the Commercial Bank, was vice president and J. M. Blair, cashier, the directors being B. F. Power, Franklin Alter, James Cullen, A. R. Clark, Adolph Haas and Hugh Colville. The Cincinnati National Bank was organized with a capital of $500,000 by J. F. Larkin, who had sold his interest in the Metropolitan National and became president of the new bank with Edgar Stark, cashier. Wm. Means became the president of the Metropolitan National, John R. DeCamp continuing as cashier. The Queen City National, with a capital of $500,000 had John Coch- nower as president.
During the year the Third National Bank doubled its capital stock, making it $1,600,000 the largest bank capital in the state; the National Lafayette and Bank of Commerce increased its capital from $400,000 to $600,000, and the Commercial Bank increased from $200,000 to $500,000. During the year A. G. Burt & Co. discontinued business, having been bankers since 1853, twenty-nine years before. The Real Estate Savings Bank also liquidated in this year. The Bank of Cincin- nati was absorbed by the Citizens' National Bank soon after the organization of the new national bank.
CINCINNATI BANKS AND BANKERS IN JANUARY, 1883.
First National Bank, northwest corner Third and Walnut. Capital, $1,- 200,000. L. B. Harrison, president; A. S. Winslow, vice president ; Theodore Stanwood, cashier.
Second National Bank, northwest corner Court and Main streets. Capital, $200,000. Benj. Eggleston, president; Jas. B. Wilson, vice president; W. S. Rowe, cashier.
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Third National Bank, 65 West Third street. Capital, $1,600,000. J. D. Hearne, president; Ammi Baldwin, cashier; Benj. E. Hopkins and W. A. Lem- mon, assistant cashiers.
Fourth National Bank, northeast corner Third and Walnut. Capital, $500,000. M. M. White, president; H. P. Cooke, cashier; H. DeCamp, assistant cashier. Citizens' National Bank, 51 East Third street. Capital, $1,000,000. Briggs S. Cunningham, president ; G. P. Griffith, vice president ; Geo. W. Forbes, cashier.
Exchange National Bank, 34 West Third street. Capital, $500,000. B. F. Power, president; Hugh Colville, vice president ; J. M. Blair, cashier.
German National Bank, southwest corner Third and Walnut. Capital, $500,- 000. John Hauck, president ; Florence Marmet, vice president ; Geo. H. Bohrer, cashier ; Geo. Guckenberger, assistant cashier.
Merchants' National Bank, 75 West Third street. Capital, $1,000,000. D. J. Fallis, president ; H. C. Yergason, vice president ; W. W. Brown, cashier.
Metropolitan National Bank, 25 West Third street. Capital, $500,000. Wm. Means, president ; John R. DeCamp, cashier.
National Lafayette and Bank of Commerce, Third street. Capital, $600,000. W. A. Goodman, president; Henry Peachey, vice president ; J. V. Guthrie, cashier ; C. J. Stedman, assistant cashier.
Queen City National Bank, 53 West Third street. Capital, $500,000. John Cochnower, president; Samuel C. Tatum, vice president; Samuel W. Ramp, cashier.
Union National Bank, 90 West Third street. Capital, $500,000. H. W. Hughes, president; O. H. Tudor, cashier.
Cincinnati National Bank, 90 West Third street. Capital, $500,000. Jos. F. Larkin, president; Edgar Stark, cashier.
Total capital, thirteen national banks, $9,100,000.
Commercial Bank, 132 Main street. Capital, $500,000. C. B. Foote, pres- ident; W. N. King, cashier.
Espy Heidelbach & Co., southeast corner Third and Vine streets. Capital. $175,000. James Espy, Phillip Heidelbach, Louis Heidelbach, Alfred S. Heidel- bach, Isaac Ickelheimer, David Wachman. Foreign exchange and steamship agency under firm name Heidelbach, Baur & Co., partnership including Theodore Baur.
Franklin Bank, Third street. Capital, $240,000. B. F. Brannan, president ; John Kilgour, vice president.
Seasongood Sons & Co., 74 West Third street. Capital, $120,000. Jacob Seasongood, Lewis Seasongood, Adolph J. Seasongood, Charles Mayer.
S. Kuhn & Sons, 72 West Third street. Capital, $50,000. Samuel Kuhn, Louis Kuhn, Simon Kuhn.
Western German Bank, northeast corner Twelfth and Vine. Capital, $100,-
o00. Edward Weil, president; Leopold Kleybolte, cashier.
S. S. Davis & Co., 62 and 64 West Third street. S. S. Davis, F. S. Davis. Cincinnati Savings Society, 43 West Fifth street. J. L. Wayne, president ; C. F. Bradley, vice president.
Safe Deposit Co. of Cincinnati, 20 West Third street. Henry Peachey, pres- ident; S. P. Bishop, secretary.
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FIRST NATIONAL BANK BUILDING, 1910
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1900.
Atlas National Bank, 516 Walnut street. Capital $400,000; deposits, $2,- 933,163. Geo. Guckenberger, president; Albert Lackman, vice president; Wm. Guckenberger, cashier; Chas. J. Ziegler, assistant cashier.
Citizens' National Bank, southeast corner Third and Walnut streets. Cap- ital, $1,000,000 ; deposits, $7,528,977. B. S. Cunningham, president; G. P. Grif- fith, vice president and cashier ; Howard M. Beazell, assistant cashier.
Equitable National Bank, 20 East Third street. Capital, $250,000; deposits, $1,292,332. George Fisher, president; John McLean Blair, vice president; W. P. Stamm, cashier.
Fifth National Bank, southwest corner Fourth and Vine streets. Capital, $300,000; deposits, $2,653,883. Chas. A. Hinsch, president; James M. Glenn, vice president ; T. J. Davis, cashier.
First National Bank, northwest corner Third and Walnut streets. Capital, $1,200,000; deposits, $7,473,517. L. B. Harrison, president; Jos. Rawson, vice president; W. S. Rowe, cashier.
Fourth National Bank, northeast corner Third and Walnut streets. Capital, $500,000 ; deposits, $4,068,244. M. M. White, president; H. P. Cooke, cashier ; Hiram DeCamp, assistant cashier.
German National Bank, southeast corner Third and Walnut streets. Capital, $500,000 ; deposits, $3,196,249. Geo. H. Bohrer, president; A. B. Voorheis, vice president; Edward Herzog, cashier; W. C. Wachs, assistant cashier.
Market National Bank, northwest corner Fourth and Plum streets. Capital, $250,000 ; deposits, $2,813,102. Julius Fleischmann, president ; John J. Sullivan, vice president ; Casper H. Rowe, vice president ; Ed. A. Donnally, cashier ; Louis G. Pochat, assistant cashier.
Merchants' National Bank, southeast corner Third and Vine streets. Capital, $600,000 ; deposits, $3,309,356. H. C. Yergason, president; Madison Betts, vice president ; W. W. Brown, cashier; Chas. A. Stevens, assistant cashier.
National Lafayette Bank, 118 East Third street. Capital, $600,000; deposits, $3,178,623. W. A. Goodman, president; J. V. Guthrie, vice president ; C. J. Stedman, cashier; W. H. Simpson, assistant cashier.
Ohio Valley National Bank, 17 East Third street. Capital, $700,000; deposits, $4,419,103. James Espy, president; Clifford B. Wright, vice president; O. H. Tudor, cashier; Theo. Baur, manager foreign department.
Second National Bank, southeast corner Ninth and Main streets. Capital, $200,000 ; deposits, $2,050,590. Charles H. Davis, president ; Wm. Albert, cashier ; G. W. Williams, assistant cashier.
Third National Bank, 25 East Third street. Capital, $1,200,000; deposits, $4,757,688. J. D. Hearne, president; C. H. Kellogg, vice president; Wm. A. Lemmon, cashier; C. T. Perin, assistant cashier.
The Brighton German Bank, Harrison and Colerain avenues. Max Mosler, president ; F. L. Haffner, vice president; J. J. Heidacher, assistant cashier.
The Central Trust & Safe Deposit Co., 115 East Fourth street. W. H. Doane, president ; Lucien Wulsin, vice president ; S. R. Burton, vice president ; Gazzam Gano, secretary and treasurer.
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Cincinnati Savings Society, 43 East Fifth street. Thos. H. C. Allen, pres- ident; E. P. Stout, vice president; W. S. Magley, treasurer.
City Hall Bank, 324 West Ninth street. Wm. F. Doepke, president; H. H. Wiggers, vice president; Geo. Schmidt, cashier.
S. Kuhn & Sons, 24 East Third street. Louis Kuhn, Simon Kuhn, Charles Kuhn.
North Side Bank, 4126 Hamilton avenue. John L. Pierson, president ; Henry Weber, vice president; D. S. Shreve, cashier ; Godfrey Weber, assistant cashier.
The Export Storage Co., northwest corner Fourth and Walnut streets. J. G. Schmidlapp, president.
Franklin Bank, 124 East Third street. John Kilgour, vice president ; Henry Burkhold, cashier.
Security Savings Bank & Trust Co., 337 West Fifth street. (Organizing.) George Peck, secretary pro tem.
Union Savings Bank & Trust Co., northwest corner Fourth and Walnut streets. J. G. Schmidlapp, president; A. B. Voorheis, vice president; R. A. Koehler, secretary and treasurer; W. H. Alms, vice president.
Western German Bank, 1200 Vine street. L. Kleybolte, president; L. A. Strobel, vice president; Ed. J. Weil, cashier; Geo. Opitz, assistant cashier.
In January, 1883, the Fidelity Safe Deposit and Trust Co. was incorporated under the new state law providing for the creation of trust companies in the state of Ohio. Hon. Julius Dexter, a member of the state senate, was one of those instrumental in drawing up the bill when it was introduced. The new trust company had a capital of $500,000; its directorate composed of Julius Dexter, C. W. West, A. T. Goshorn, John Mitchell, Thomas J. Emery, Abe Furst, Gazzam Gano, William A. Procter, Charles Robson, Preserved Smith, Patrick Poland, F. J. Jones, Louis Ballauf, F. Marmet, and H. B. Morehead. Julius Dexter was made president. The St. Paul building was built, and the first floor and basement leased by the Fidelity Safe Deposit & Trust Co. John G. Brotherton became actively connected with this institution as superintendent.
During this period James B. Wilson succeeded Warren Rawson as vice president of the Second National Bank, and W. S. Rowe became cashier, upon the death of his father Stanhope S. Rowe, the former cashier. Franklin Alter succeeded B. F. Power as president of the Exchange National Bank. The Na- tional Lafayette and Bank of Commerce found its name too long, and became known as the National Lafayette Bank.
In 1884 the Cincinnati National absorbed the Exchange National, Jos. F. Larkin remaining president, Franklin Alter becoming vice president, with Edgar Stark still cashier. A little later Franklin Alter became president of the Cin- cinnati National. W. D. Duble became manager of the Cincinnati Clearing House in 1885.
In 1886 the Fidelity National Bank was organized, and obtained the office formerly used by the banking department of the Fidelity Safe Deposit & Trust Co., the latter institution reducing its capital to $100,000, and using only the safe deposit vaults and space on the basement floor of the St. Paul building. Briggs Swift succeeded Julius Dexter as president. The officers of the Fidelity
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National were Briggs Swift, president; E. L. Harper, vice president; Ammi Baldwin, cashier; and Benjamin E. Hopkins, assistant cashier.
Late in the year 1886, the Ohio Valley National Bank formed from the firm of Espy Heidelbach & Co., and in December the organization was completed, with James Espy, B. Bettman, Robert B. Bowler, David Wachman, Theodore Baur, Franklin Alter and Henry B. Morehead, directors. James Espy was elected president ; B. Bettman, vice president; Theodore Baur, cashier ; and David Wach- man, assistant cashier.
Early in the following year, 1887, a merger was arranged with the Union National Bank by the Ohio Valley National which doubled its capital, making it now $1,000,000, the Union National liquidating its assets, the old stockholders buying the new stock of the Ohio Valley. H. W. Hughes became vice president and O. H. Tudor cashier of the Ohio Valley, James Espy remaining president and David Wachman assistant cashier, Theodore Baur becoming manager of the foreign exchange department. Guernsey Y. Roots, H. W. Hughes, Augustus Wessel, L. H. Brooks and C. B. Wright becoming additional directors.
At this period there were a few changes in the official staffs of some of the banks. Thos. H. C. Allen was vice president of the Cincinnati Savings Society, W. H. Campbell was cashier of the Commercial Bank, John P. Clark, assistant cashier First National.
In May, 1887, the old firm of Seasongood Sons & Co., organized the Equit- able National Bank, with a capital of $350,000, selling the good will of the old firm, and Adolph J. Seasongood, being the chairman of the board at the organ- ization. F. X. Reno was made president, Jas. R. Murdock, vice president and J. M. Blair cashier. Two more national banks were organized during the year, the Atlas National Bank, capital $200,000, at the northeast corner Ninth and Vine streets, Wm. Stichtenoth, Jr., president; Julius Engelke, vice president, and Edward Albert, cashier. The Market National Bank, on Central avenue, Edwin Stevens, president ; Frank A. Greever, vice president and John G. Brotherton, cashier.
In June of this year the sensational failure of the Fidelity National Bank dis- turbed the city. A large number of loans on wheat and other large loans com- pelled the suspension of the bank and the liquidation was prolonged over a num- ber of years, with considerable loss to the depositors.
The following year was marked by another suspension when the Metropolitan National Bank closed its doors.
In the process of liquidation, however, the depositors were paid in full and a large dividend was paid the stockholders.
In August the Cincinnati National Bank went into voluntary liquidation, the deposits being transferred to the Ohio Valley National Bank. The Queen City National Bank changed its name to the Fifth National Bank, new capital being added, J. M. Kirtley becoming president, Bradford Shinkle vice president, and Samuel W. Remp remaining as cashier.
Thus there were now twelve national banks in the city. The officers of the Third National Bank had become J. D. Hearne, president ; Chas. H. Kellogg, Jr., vice president ; Wm. A. Lemmon, cashier, and C. T. Perin, assistant cashier.
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The North Side Bank opened for business during the year, being owned by Geo. L. Thompson and Walter S. Titus.
Early in 1889 the Fidelity Safe Deposit & Trust Co. changed its name to the Central Safe Deposit & Trust Co., with Sol. P. Kineon, president, Amos Shinkle, vice president, Frank O. Suire, secretary and J. W. March, superintendent.
The old firm of S. S. Davis & Co., which had started in 1853, dissolved part- nership in 1886, paid off depositors and retired from banking, after over thirty years of prominence among the private banks of the city. Thus by 1889 the only private bankers were S. Kuhn & Sons, while about thirty years before there had been about twenty-five active private banks, a number of which have been the nucleus of some of the present national banks.
The years 1890 to 1892 were marked by a few additions to the number of banks. The Union Savings Bank & Trust Co. organized in May, 1890, with J. G. Schmidlapp, president, A. B. Voorheis vice president, and R. A. Koehler secretary and treasurer. Capital stock, $500,000, and occupied the lower floor of the Chamber of Commerce building at Fourth and Vine, with the entrance on Vine street. Upon the death of Theodore Stanwood, W. S. Rowe became cashier of the First National bank, William Albert succeeding him as cashier of the Sec- ond National, with B. W. Rowe, assistant cashier. Griffith P. Griffith was now the vice president and cashier of the Citizens' National, with H. M. Beazell as- sistant cashier. C. B. Wright became vice president of the Ohio Valley National Bank. The death of A. S. Winslow, who had been vice president of the First National since its organization occurred in 1892, Jos. Rawson, Jr., succeeding him as vice president the following year.
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