USA > Ohio > Hamilton County > Cincinnati > Sketches and statistics of Cincinnati in 1851 > Part 8
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This is an old and respectable Banking House, confining their business, however, rather exclusively to exchanges, and paying no interest on deposits.
S. O. ALMY'S BANK, Third Street, near Walnut.
This is also a new private Bank, conducted by DR. S. O. ALMY, a well-known and distinguished physician, and enjoying a good reputation for integrity of character, business capacity, and cour- teous manners. He receives both current and special deposits, and confines his discounts to local paper.
WESTERN BANK-SCOTT & M'KENZIE, North-west corner Western Row and Fifth Streets.
Discount notes, allow interest on deposits, deal in exchanges, make collections, and do a general banking business.
The location of this bank, in an important section of Cincinnati, with the reputation of its proprietors for integrity and capacity, will insure a heavy business to this establishment, which has just commenced operations.
BURNET, SHOUP & Co., BANKERS, North-west corner Third and Walnut Streets.
Dealers in exchanges, gold and silver, and uncurrent bank notes. Make local and foreign collections, and remit promptly at current rates of exchange.
PHOENIX BANK OF CINCINNATI, Third between Main and Walnut Streets.
This Bank allows interest on special or current deposits, buys, sells, and collects bills of exchange on all the chief cities of the United States; is always prepared to sell sight exchange on the east, and to remit money, in large or small sums, to any part of Great Britain. Gold and silver coin, and all kinds of uncurrent money, bought at best rates.
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BANKS AND BANKERS.
MERCHANTS' BANK OF CINCINNATI-N. P. IGLEHART, Cashier.
First door from Third, on Walnut Street.
This differs from all the other banks, in its general business, as it makes no regular loans; local business notes are, however, pur- chased and negotiated, as are also drafts, bought and sold, on all the chief cities in the United States and Canada. The bank is prepared to check, at all times, on London-where some of the parties in- terested in it, reside-and persons desirous of forwarding small or large sums, to England, Ireland, Scotland, Wales, and the continent, can always procure checks, for such remittances.
There is connected with this institution, a "Savings Bank" de- partment, where sums of one dollar and upward, are received ; and interest allowed of 9 per cent. per annum, payable quarterly.
Beside these, there are the firms of Brown & Ramsey, A. J. Wheeler, A. G. Burt, P. B. Manchester, Wright, Clark & Co., J. R. Glenn & Co., P. Outcalt & Co., engaged in banking operations.
FIRE, MARINE, AND LIFE INSURANCE.
GENERAL BOARD OF UNDERWRITERS.
JOHN YOUNG, President; A. Mitchell Hall, Treasurer; Benj. Urner, Secretary.
CINCINNATI EQUITABLE INSURANCE Co .- Incorporated 1827. Griffin Taylor, President, J. K. Smith, Secretary and Treasurer.
Griffin Taylor, Elam P. Langdon, S. S. Smith, Joseph Jones, John Baker, John Kilgour, George Crawford, George Carlisle, John Whetstone, H. H. Goodman, R. R. Springer, Charles Andress, Directors.
CINCINNATI INSURANCE Co .- Incorporated 1829.
Office, 4 Front, between Main and Sycamore Streets. John Young, President; George W. Williams, Secretary.
John Young, Henry Lewis, T. S. Dugan, M. B. Ross, Thomas Sherlock, W. McL. White, Ebenezer Nye, Clement Dietrich, James P. Jack, Morgan Ewing, Wm. Laycock, George M'Cullough, C. G. Wayne, J. M. Dickson, Alexander McKenzie, Directors.
FIREMEN'S INSURANCE CO. OF CINCINNATI .- Incorporated 1832. Office, corner of Main and Front Streets. J. Lawrence, President ; L. Clason, Secretary.
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INSURANCE COMPANIES.
WASHINGTON INSURANCE Co .- Incorporated 1836. Office, 73 Main Street.
William Goodman, President; E. Henry Carter, Secretary.
Wm. Goodman, Calvin Fletcher, Lowell Fletcher, S. S. Smith, Charles Fisher, Henry Emerson, Robert Cohoon, John T. Martin, R. A. Little, S. C. Parkhurst, Jos. C. Butler, Wm. H. Comstock, Geo. T. Stedman, R. J. Latimer, D. W. Corwin, Jos. S. Bates, Henry Hanna, Gardner Phipps, J. M. Niles, Wm. Hooper, Henry Marks, Directors.
MERCHANTS' AND MANUFACTURERS' MUTUAL INSURANCE CO. OF CINCINNATI. Office, 11 Front Street, between Main and Sycamore, up stairs.
A. M. Searles, President ; B. B. Whiteman, Secretary.
This Company insures buildings, and property in the same, against risk of fire. Also, property of all kinds against the hazards of inland and ocean navigation.
CITY INSURANCE CO. Office, 8 Front Street, between Main and Sycamore.
E. B. Reeder, President ; N. Gregory, Secretary.
E. B. Reeder, J. C. Thorp, J. P. Kilbreth, William Burnet, J. M. Blair, E. S. Haines, George Carlisle, J. H. Raper, H. L. Hoffman, Directors.
EAGLE INSURANCE CO. OF CINCINNATI.
Office, 9 Front Street, between Main and Sycamore.
Insures property of all descriptions against loss or damage by fire; also, against the perils of the sea, or inland navigation.
Isaac C. Copelen, President ; James B. Stockton, Secretary ; J. B. Lawder, Surveyor.
Isaac C. Copelen, Samuel H. Taft, Richard Conkling, William Wood, S. W. Reeder, Henry Kessler, George W. Townley, Directors.
OHIO LIFE INSURANCE AND TRUST CO. Capital, $2,000,000.
This company insures lives, grants and purchases annuities, and makes other contracts involving the use of money and the duration of life. Allows interest on deposits for a term not less than two months. On deposits intended for accumulation, such rate of in- terest as may be agreed upon.
Charles Stetson, President ; William Greene, Secretary.
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INSURANCE COMPANIES.
Charles Stetson, Jacob Burnet, John C. Wright, Samuel Fosdick, D. B. Lawler, Timothy Walker, S. C. Parkhurst, A. M. Taylor, W. W. Scarborough, George Luckey, W. G. Breese, Cincinnati, D. Kilgore, Samuel Forrer, S. F. Vinton, in the State, Moses Taylor, Robert Bayard, New York, J. B. Hosmer, Ct., Trustees.
OHIO LIFE INSURANCE CO .- Joint and Mutual.
Authorized Capital, $200,000 ; $100,000 paid in and secured. Office, Reeder's buildings, Third Street, second door east of City Bank.
E. S. Haines, President; J. W. Donohue, Vice-President; S. W. Reeder, Secretary ; W. Richards, M. D., Consulting Physician.
William Burnet, E. S. Haines, S. Robert, J. W. Donohue, H. H. Goodman, J. N. Ridgway, J. M. Blair, William Person, Eden B. Reeder, Wm. Aug. Goodman, Directors.
Applicants will be examined by either of the following physi- cians :- M. B. Wright, M. D., S. A. Latta, M. D., Tom. O. Edwards, M. D., J. S. Unzicker, M. D., J. F. White, M. D., D. Judkins, M. D. George Fries, M. D., John Davis, M. D., and B. S. Lawson, M. D.
This company will insure lives on either the joint stock or mutual plans. Persons insuring in the mutual department, can settle one- half the premium by giving their individual note, and insurances in the joint stock department may pay quarterly, semi-annually, or an- nually. The rates are lower than those charged by most companies, and as low as entire safety to the insured will warrant.
JEFFERSON LIFE INSURANCE CO. OF CINCINNATI. Capital, $100,000.
Office, Bromwell's building, Fourth Street, between Walnut and Vine. H. H. Goodman, President; W. W. Cones, Vice-President; L. Benton, Secretary. H. H. Goodman, W. W. Cones, Wm. Burnet, Wm. McCammon, Samuel B. Keys, George Carlisle, A. G. Burt, Chas. Conahan, E. Gest, Chas. Goodman, H. B. Payne, Cleveland, O., D. W. Deshler, Columbus, O., Directors.
Hon. J. Burnet, T. S. Goodman, S. Wiggins, Board of Finance. David Judkins, M. D., P. G. Fore, M. D., Medical Examiners.
The peculiar advantages of this company, are, that it conducts its business on the joint stock and mutual plan. It has a capital suffi- cient to guard against all contingencies-the directors are well known. The rates of premium are reduced thirty-three and one- third, in the joint stock insurance, being equivalent to a dividend in advance of that amount, on the mutual plan. Notes of the persons
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INSURANCE COMPANIES.
insuring, are taken for one-half of the premium, where the insurance is for life, and an annual declaration of profits to the insured. The establishment of this company will enable the citizens of the west to retain at home, thousands and tens of thousands of dollars, now paid annually to foreign companies for premiums on Life Insurance, which will be invested under the advice of the above mentioned finance committee, whose character and standing is a guarantee of its judi- cious application.
OHIO LIVE STOCK INSURANCE CO. Charter granted 20th March, 1850. Capital $100,000, with privilege of increasing to 200,000.
Office, Reeder's buildings, Third Street, between Walnut and Vine. In the same house occupied by the City Fire and Marine Insur- ance Co., where all applications for insurance may be made.
William Burnet, President; S. W. Reeder, Secretary ; Capt. J. S. Ross, surgeon and inspector; residence, Seventh Street, between Plum and Western Row.
This company is now prepared to insure horses, mules, cattle, and sheep, against death or damage, either by fire, water, accident or disease of any or all kinds. All losses paid promptly within thirty days after proof of loss.
William Burnet, William Person, E. S. Haines, H. H. Goodman, S. Robert, Directors.
OHIO MUTUAL INSURANCE CO. Capital Stock, $300,000.
Office, second story, 9 Front Street, between Main and Sycamore.
This old and well known company insures property of all descrip- tions, against loss or damage by FIRE.
Geo. W. Copelen, Secretary ; John M. Wood, Surveyor.
I. C. Copelen, H. Brachmann, H. Kessler, Directors.
References .- Hon. Geo. P. Torrence, Hon. H. E. Spencer, Gen. A. Mohr, Most Rev. J. B. Purcell, N. C. McLean, G. M. Heran- court, Samuel Cloon, F. Fortmann.
FRATERNAL MUTUAL LIFE INSURANCE COMPANY Office, No. 79 West Third Street.
J. L. Vattier, Pres't ; J. W. Messick, Vice-Pres't. R. Conkling, I. P. Williams, S. Peel, Rich'd Bates, W. M. Cameron, Hon. R. Moore, Smith Betts, Robt. Cameron, J. Evans, H. S. Applegate, Directors.
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INSURANCE COMPANIES.
C. Moore, Secretary ; A. H. Baker, M. D., Medical Adviser. E. K. Chamberlin, M. D., C. L. Avery, M. D., J. S. Unzeiker, M. D., John A. Murray, Examining Physicians.
NEW YORK LIFE INSURANCE CO.
Morris Franklin, President; Pliny Freeman, Actuary.
I. S. Dodge, M. D., B. L. Hill, and James Hunt, M. D., Medical Examiners.
This company is on the purely mutual plan, and each person insured participates in the profits of the company
PHOENIX INSURANCE CO. OF ST. LOUIS. Capital, $150,000.
Office, 15 Front Street, over Messrs. Shoenberger's Iron Store.
John B. Camden, President ; W. H. Pritchart, Secretary.
AMERICAN MUTUAL INSURANCE CO. Capital $100,000.
George Warnick, President; Alden T. Mallery, Secretary.
As agent of the above companies, the undersigned insures cargoes of steamboats, flatboats, canal boats, and vessels navigating the seas and lakes ; also buildings, goods, furniture, machinery and other pro- perty against loss or damage by fire, on reasonable terms.
A. S. Chew, Agent .- Office, 15 Front Street, east of Main.
MUTUAL LIFE INSURANCE CO. OF NEW YORK, 35 Wall Street.
Joseph B. Collins, President; Isaac Abbatt, Secretary ; Charles Gill, Actuary.
A million of dollars securely invested in bonds and mortgages on real estate in this city and Brooklyn, and stocks of the State and City of New York and United States Government.
All the profits are divided among the insured.
The company declared a dividend of profits of fifty-two per cent., on all existing policies, on the 31st of January, 1848.
Persons may effect insurance on their own lives and the lives of others.
A married woman can insure the life of her husband, the benefits of which are secured by law for the exclusive use of herself or chil- dren.
Clergymen, and all others dependent upon salaries or their daily
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INSURANCE COMPANIES.
earnings, are specially invited to avail themselves of a resource whereby their surviving families may be secured from the evils of penury.
Annuities granted on favorable terms.
COLUMBUS INSURANCE Co. Capital $300,000.
Demas Adams, President ; D. Alexander, Secretary.
FRANKLIN FIRE INSURANCE CO. OF PHILADELPHIA. Capital $400,000. Office, 3 Front Street, east of Main.
The undersigned having been appointed agent for the above com- panies, is prepared to insure on lives and property and effects of every description, against loss or damage by fire, the perils of marine navigation, and the hazards of inland transportation.
Terms reasonable, and losses promptly and reasonably adjusted. John Reeves, Agent.
DELAWARE MUTUAL SAFETY INSURANCE CO. OF PHILADELPHIA.
Office, Front Street, between Main and Sycamore.
Wm. Martin, President ; Thomas C. Hand, Vice-President ; Jos. W. Cowan, Secretary ; B. Urner, Agent.
Joseph H. Seal, Robert Burton, Henry Lawrence, William Fol- well, James G. Hand, John Garret, Davis B. Stacy, William Hay, Spencer McIlvain, Samuel Edwards, Dr. R. M. Huston, George Serrill, Edmund Souder, John R. Penrose, Edward Darlington, John S. Newlin, Theophilus Paulding, Hugh Craig, Charles Kelly, Dr. S. Thomas, John C. Davis, Isaac R. Davis, H. Jones Brooke, J. G. Johnson, John Sellers, jun., Directors.
This company does business upon the mutual insurance principle, combined with a joint stock capital. The assured are protected from loss at ordinary rates of premium; are free from liability for the losses of the corporation, can vote at all elections, and are eligible as directors.
The profits remain in the corporation as additional security to the assured, and are funded and represented by script, bearing interest. The capital and accumulated profits amounted to over $340,000, in Nov., 1849. Fire, marine, and inland transportation risks taken at current rates of premium.
98
INSURANCE COMPANIES.
PENN MUTUAL LIFE INSURANCE CO. OF PHILADELPHIA. Office, 16 Front Street.
Guarantee Capital and accumulated fund over $220,000. Charter perpetual.
All the profits divided among the policy holders every year.
Daniel L. Miller, President ; William M. Clark, Vice-President ; John W. Hornor, Secretary .- B. Urner, Agent.
NEW ENGLAND MUTUAL LIFE INSURANCE CO. Office, 16 Front Street. Established in Boston in 1843.
Guarantee Capital and accumulated fund amount now to over $360,000.
William Phillips, President; Benj. F. Stevens, Secretary ; Benj. Urner, Agent.
DAYTON INSURANCE CO .- FIRE AND MARINE. Office, 53 Third street, west of Walnut, over Almy's Bank. Daniel Beckel, President ; J. F. Dodds, Secretary.
Directors .- Daniel Beckel, L. F. Claflin, D. A. Haines, Joseph Clegg, John Harries, A. Speice, H. M. Brown.
James S. Chew, Agent.
THE UTICA INSURANCE CO. OF UTICA, N. Y. Capital, $150,000.
Henry R. Hart, President ; John S. Hunt, Secretary.
Issues policies on hulls and cargoes of steamboats, cargoes of flat-boats, and buildings and contents of all kinds.
James S. Chew, Agent. Office, 53 West Third street.
FIREMEN'S AND MECHANICS' INSURANCE CO., MADISON, IND. Office, 21 Main, west side, between Front and Columbia Streets, Cin. Capital $150,000.
David White, President; Thomas L. Paine, Secretary.
David White, C. S. Lodge, N. O. Williams, D. Blackmore, jun.,, N. McKee Dunn, Samuel M. Strader, Washington Thomas, Matthew Kemberly, Hiram K. Wells, Directors.
Insure steamboats and their cargoes, flatboats, marine and inland insurance, buildings, merchandise, and property generally, as low as any other office.
M. L. Neville, Secretary ; Wm. B. Cassilly, Agent,
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INSURANCE COMPANIES.
CHARTER OAK LIFE INSURANCE CO. OF HARTFORD, CONN .-- Joint Stock and Mutual.
$200,000 Capital, securely invested under the sanction and approval of the Comptroller of public accounts of the State of Connecticut.
Gideon Welles, President; Wm. T. Lee, Vice-President ; Saml. Coit, Secretary.
Gideon Welles, William T. Lee, Calvin Day, Tertius Wadsworth, Erastus Smith, Thomas Belknap, James G. Bolles, Chas. Seymour, jun., John A. Butler, L. F. Robinson, Directors.
George Beach, President Phoenix Bank; D. F. Robinson, Presi- dent Hartford Bank; Hon. Isaac Toucey, late Attorney-General, U. S.
This company presents unusual advantages to insurers, from the following considerations :
1st. The capital being $200,000, is larger than that of any com- pany incorporated by the Legislature of Connecticut, and is all pledged for the payment of losses.
2d. It is all invested in securities of the highest character, which are not only approved by the board of directors, but by the comp- troller of public accounts of the State of Connecticut.
3d. Conducting its business on the joint stock and mutual plan, it combines all the benefits and privileges of two distinct companies, with only the expenses of one.
4th. It insures lives at the lowest rates, which can afford perman- ency to the company and safety to the insured.
5th. Its charter is perpetual.
Agency at Cincinnati, Henry E. Spencer,-36 Fourth, east of Wal- nut Street, at Willis & Burt's real estate Office.
O. M. Langdon, M. D., Medical Examiner.
INSURANCE COMPANY OF LEXINGTON, KY. Capital $300,000.
COLUMBIAN INSURANCE CO. OF BOSTON, MASS. Capital $200,000.
MUTUAL BENEFIT LIFE INSURANCE CO. OF NEWARK, N. J. Surplus, $1,082,618.
BRITISH COMMERCIAL LIFE INSURANCE CO. OF LONDON, ENG. Capital, $3,400,000.
John W. Hartwell, )
A. Mitchell Hall, S Hartwell & Hall, Agents.
19 Front, near Sycamore Street.
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INSURANCE COMPANIES.
NATIONAL LOAN FUND LIFE INSURANCE CO. OF LONDON AND NEW YORK. Capital, $2,000,000. Office, 26 West Front Street.
Liggett & Hall, Agents.
UNION MUTUAL LIFE INSURANCE CO .- Incorporated 1848.
Directors' office, 68 State Street, Boston .- Original and accumulated Capital, $200,000, constantly increasing.
Office, Recder's building, Third Street, over City Bank.
This company is a purely mutual one, and all its profits are divided among the holders of its life policies.
Its funds are all invested by a Board of Finance, composed of the best financiers in the country.
Board of Finance .- Franklin Haven, President of Merchants' Bank, Boston ; Thomas Thacher, merchant, Boston ; Reuel Williams, President of Kennebec Railroad.
E. K. Chamberlain, M. D., Consulting Physician ; J. F. White, M. D., Medical Examiner ; Baker & Groocock, Agents.
This office sustains the highest reputation at home.
CINCINNATI AGENCY OF THE LAFAYETTE INSURANCE CO. Capital, $200,000 .- Stockholders individually liable.
Godlove S. Orth, President ; A. M. Crane, Secretary.
References in Cincinnati .- J. C. Butler & Co., Kuhn, Rindskoff & Co., W. H. Thompson, Esq., P. Outcalt & Co., Scott & Sullivan, A. J. Mead & Co.
This company effects Fire and Marine Insurance on as favorable terms as any other responsible company.
Applications received, and losses promptly adjusted, by Joseph J. Davis, Agent.
CONNECTICUT MUTUAL LIFE INSURANCE CO., OF HARTFORD.
John L. Vattier, Examining Physician ; Landon C. Rives, M. D., Tom O. Edwards, M. D., E. Kendrick, M. D., A. H. Baker, M. D., S. O. Almy, M. D., Consulting Physicians.
Agent in Cincinnati, Joseph J. Davis, Reeder's building, 53 Third Street, between Walnut and Vine.
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INSURANCE COMPANIES.
INSURANCE CO. OF MADISON, IND. Office of the Cincinnati agency, north-west corner of Walnut and Columbia Streets.
A. W. Pitcher, President; E. G. Whitney, Secretary. Samuel F. Covington, Agent.
This company was incorporated by an act of the Indiana Legisla- ture, approved January 26, 1831. It is empowered to insure all kinds of property against hazards of every description ; and also to insure the lives of individuals. The capital stock is one hundred thousand dollars, and is all paid in.
The principal office and business of the company is at Madison, Indiana, where it is also engaged in the business of banking. The stock is generally owned by citizens of Madison, and its business and management have been such as render it one of the safest insti- tutions in the west.
ATNA INSURANCE CO., OF HARTFORD COUNTY. Annuity Fund, $150,000.
THE leading idea of the system adopted by this company is, to as- certain precisely what it is worth to insure a given amount upon a life for a certain time, and to charge precisely that sum and no more; it is attended with none of those vexatious contingencies which are inseparable from the mutual system. It has nothing to do with script, dividends or bonuses, the declaration of which, upon true and equitable principles, is attended with so much difficulty and perplexity ; it is perfectly simple, as well as uniform and equal in all its operations.
Risks taken in all the different methods ever adopted by any of the English or American companies, at its agency, 1 and 2 Reeder's Building, 57 Third street, between Walnut and Vine.
Thomas K. Brace, President; E. A. Bulkley, Vice-President; S. L. Loomis, Secretary ; J. W. Seymour, Actuary ; C. L. Avery, M. D., Medical Examiner. C. D. Dickerman, Agent.
References in Cincinnati .- Willis Lord, D. D., James Calhoun, Harrison & Eaton, James Curtis.
HUDSON RIVER FIRE INSURANCE CO. OF WATERFORD, NEW YORK. Capital $200,000, all paid in and secured.
RISKS taken, and losses promptly adjusted, by C. D. Dickerman, Agent.
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CITY WATER WORKS.
VII. WATER AND ARTIFICIAL LIGHT.
CITY WATER WORKS.
E. Hinman, Superintendent.
Theodore R. Scowden, Engineer.
J. R. Baldridge, Secretary. Charles Balance, and Charles Munroe, Collectors.
TRUSTEES.
J. C. Hall, N. W. Thomas, and Wm. McCammon.
The first settlers of Cincinnati drank from the spring in the hill- side, along and below the present line of Third street, and did their washing in the Ohio river.
As the population increased, individuals, for their greater private convenience, sank wells. Still a large portion of the inhabitants obtained their supply from the river, and there are many still living who associate " toting" water by hoop and buckets with their reminis- cences of a washing day.
. The summer of 1802 was very dry, and most of the springs failed. Among the rest, the one which supplied " Deacon Wade's" tan-yard. Without water the business could not go on-not a dray in the settlement .- What was to be done ? An inventive genius, James McMahan, came to their relief ; with an ax and auger repaired to the adjoining fields, cut a couple of saplings, pinned cross-pieces, and upon them secured a cask. To this "drag," by aid of a yoke, or wooden collar, he geared his bull, and with this fixin' the water was furnished, and the business of the yard kept in operation.
In 1806, when the citizens numbered seventeen hundred, the first move for supplying them with water was made by William, better known as " Bill" Gibson, rigging a cask upon wheels, and under- taking the furnishing of water as a part of his business. The facility this water-cart afforded, was as great a desideratum, and as marked an epoch in the history of the progress of the comforts of the town, as any subsequent improvement for furnishing the city with water.
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CITY WATER WORKS.
In 1817, Jesse Reeder built a tank on the bank of the river, near Ludlow street. By means of elevators, worked by horse power, he lifted the water into this tank, and thence sold it to the water carts.
In 1816, the Town Council of Cincinnati granted the " Cincinnati Woolen Manufacturing Company the exclusive privilege of laying pipe in the streets, lanes, and alleys of the town, for the purpose of supplying the citizens thereof with water," conditioned, " That on or before the 4th day of July, 1819, the pipe should be laid, and water conveyed to that part of the town lying south of Third street, commonly called the " Bottom," and to that part of the town called the "Hill," so that it may be delivered three feet above the first floor of James Ferguson's kitchen, in said town, on or before the 2d day of July, 1823."
In 1818, the Woolen Manufacturing Company, with the assent of the Town Council, transferred all their right, interest and privi- lege of supplying the inhabitants of the town of Cincinnati with water, to S. W. Davies ; and the legislature granted said Davies, and his associates, an Act of Incorporation by the name of the " Cincin- nati Water Company," with the privilege of creating a capital not exceeding $75,000. Mr. Davies purchased the property now occu- pied by the Engine House and Reservoir, and commenced preparing for furnishing the city with water.
A reservoir 40 by 30, and 6 feet deep, bottom and sides planked, was excavated on the hill side, a little south and west of the present site. Two frame buildings were erected on the bank, one on the north, and the other on the south of Front street. A lifting-pump, placed in the building south of Front street, lifted the water from the river into a tank in the building on the north of Front street. From this tank the water was forced up the hill, into the reservoir. The pipes, pumps and machinery were of wood, and worked by horse power.
In 1820, there being at the time no improvements between Broad- way and the reservoir, the wooden pipes leading into the town were laid along the hill side, through Martin Baum's orchard, down to Deer creek ; on the west side of the Creek, through what at the time was Baum's fields, now Longworth's garden, and other lots to Broadway ; thence along Fifth street to Sycamore, and down Syca- more to Lower Market. Here the first fire-plug,-a wooden pent- stock-was placed, and from it the first water lifted by machinery
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