The Express.
London, England, 1858-09-08 00:00:00

BRITISH LOBBRB BY BANE FAILURES.

Mend Waterlow and Bona km deed a curious
statement of the " British Loewe by Bank Failures,
from 1820 to 1867." The " inferential Results"
arrived at by the compiler are as follows :
la emaidiseleg the Made deeded by the eeedi
dim Add amitosis AOr read preadd pr
aeg s-
/1110011/7. ne did plats ef cemorake rehe ad
=Urand wary Its ammaleady dm la t hada
ta,mmesselve eadenties. It le drift!:
I. Thmardireedies the dad ad addled sot -
11oksay or the relorizaoi.hodere, the adds of beak
Lend la As UMW taeladtag hompelosa, harm
bra 971, la de an sf r thirty.sersizar, or et
rearm sala twirtymiz sammoo, the ray im-
post, oder the prod eyelids( Makiag, Se expand, at
am* 1111111011( mold, la ease plies or der, to the
ammo of Mid
skiagtreardpillase of hers may be me-
eker huseAeil_ it mill be of amemnt, sad mow
Millead7 4MM" sedadt ; kw the Madam td the hada
malittiMailigra thrag the llotrymma years barmy
All, ders that the *ids p.
at the ramp sale ref 4,1190,0001. mama, is
Lab' ht dad haermat
3. Thai ea Om 10111119111611 of farm the AvidAd paten
dreg the If yam hide Men 114~811. die then,ageism a lialft of 110,017,111111., rM issie edam m the
average, hope her a home dividend them lis. be the pound,
or for • nadir rate of paper! than Oapr amid
4. That Oa renews of the 17 !sere bevleg hem of the
I aggromile add mks d 4.100,0011 , and the dividends net
bads dishispod sem this threio-foutibo of the HAMM;
end at de eared of Is. per edam, the public stay expect,
ado pad
pleat, dooderiseee,
.le ha always 18 odor Aar-
, Nag Mt of awl to be Wag
listarms by beak Mares xi am
bass& me Maim aid
. Thet the proacipir dhi reek head% is lb* rue-
reel erillsellea, have dried tot dher r Zag-
had rdellend, to the aged lealmay ememilsa.- leas mibla 00e-
MitlielS is orrible a feature la re lady al mbar Mahn ;
for It a Firm. That on 31 yew, asearrag la the
memo 32 punt, from 182.5 to 1867, se de then 77 pint-
✓ook Make Add ; sad that a. they W 468 kaashos, the
shadow of bed eseppem Mil ea se mow me 84111 wee, at
the amine de MU phamper mum dead Mr the
meow Jr dick As 77 beaks UM was about
=4894 and thel, odemeatly, the HAM= is each
men Net 700,0001. or 100,4110 L far each
at the 649 Meson flied. Their Wilda la id bud of
the pubes, Me tirwebelled be the 77 dr mat bade ant.
drN • hat Omen them 10,000,0001.
111. That wpm a dr idoctloa of the 37 men' esprioates
Ibs arm of Whore la the are of prints bear wry be
eddy aurthated—to eamerreatable de of beak ammys is
dame matmlareas ; Uniel=erniands•
mosemeed advisor ; to dedelene ot
beak furls by bankers Armoires, fa fartlitreaoe
of their sere private trudge and semaimade • sad
la dr ere of hiss 1114 a the meat of trod,
ramegsmeat; ori le this Issaptelles
toaft==eitte kr eroded's. ekedp lb* etere-
tal d • bed be. oftimatimes prowl the aide of ha Moirao-
Mom Het esdhood with these doe rower el Mmodstiom,
end odd Is bee derolpilsne of beaktag, samedins)
destemedo. Most, • memmalty for pad
mud the inikerme of whisk oam=gessesa ef=
oposairiaa, the baska, hoed at dad,
mmo hrward sad Mardi themselves wd"dishollipepeller
dada. whostever Itiayha Nam .—.4 dread mad &Jerrie
adamse ef Mae le th Mid e tree arms eta
beak, mad Is the ef whir the dalease of Me beak
emesmare hasomme man a reeler of hope Ora el .said
tred The lomet of the Jidda, to repot d • immk„ mkt
sat, it the dee, la did the hest regard r ardhery
ammindel trasseihne ; but molar Ile emirs of latry I
=thaw ready arch lonlble: fragerady reseavias
OM Mad de ara add area
replope4=phod haw
domed ea the
die •t • maildag dime, ad daps IW is mord= will
kappa M his Moe. New, as ma he are del le
Me dram al • bad them of Ile rilishamor be
M waned of dm dad of he Jur driver
Ti. lbws ansohollen vs. =Z
edeldial rezeide y= se It bappesed.
thill M the disk prevails. draft
Ike tea. !did at 1671r,Mis Mar 1111.1114111 IMMO
lON of hid, rid wadi ode Os mormakeed
:mdse dish k
..toms AV. the ehervense of
Frey
A mam of Asgard aid imasigirn wither
mid • lid le an Id to he dad as • dip ail neje-
plied Med or bim doelltea of dots r esuipm. Fly
al de aped lidasser to Moe diesal is ed
libmweehmo, aad him atilt ott hove eaddls id der r
pude merlay. Had ad immelpliam hoelialsalk
work or Oar tarps
leilase lly e
reseal,reseal,Appettlis del ar-
a did ham beat th dry of Wad sa
had of rigida milid edifilwg sum
ile Ineolvomt beds. •
st la Oaks r the kers W hems aloodel
Make time ham bra dm by thamplem sod
esdratal
ostatrahrear, which, la the maned SI mama base
the adergate Moser massy ho awry Mary Ittir
elooMet is uses. Is /died peed pr mama. Bat
era ads enema stem trimly died ef the dal bd. la
des Me Is.. of dad, the ler at oredil, the NM d dad
trade, Ms Arms al law, the di ea r as imam
treamothims, sod the areerem erred by the
arm( abases sit war bivalved In beak rapposea aw rhea
roe comilerstice, the lees la lacelealaila.
8. TIM beak fallare—trem the day a has eels W, Hoe
Wend it has vageadiontd, sad the elislemstisme it Ms op-
posed to the Amid al semi ewer the adhades retg
leoldued ttemesarea of add marls to he
as de epprielmet el the Vierimisms.
- • - - •

& Tat-the emus la whisk beak fame eethejt WIRT
IMOD Nudes, the emetwies et • soh Ma ought
set ft b• e• et dile* leftimest. The per to it
ilinershis wader • am hers et amodafts,
owl ft lea Ihe eeneNer of Were Wien may sbartly
nee" hi the amass el ear edequee mom et MIA le
ea the pebble Is eba hie la ow etelek•pne•R The ma el
the leak 1 Jbeglew& NM thew of may et ewe petrels web
pebble biska, Me ems le be eyseereess with "eeleti,"
es& ahead • 'own et milbsey ewariee be perfided, It will
rat with the pebble W .tent flee emy sew triartakiag a
earreograalise deem of terWilew, etel ee eismia brow all
the meet me* esserley h enceseepe Re oredwwid we-
id•wee.

VALtrZ or LAND IN BENT.—The Accuse Estate,
Wm sowing for orreral milts Lotman Ilsos sod Canter-
barb barite goer wows. And extends over orris pima's...
hot sit boa sold Ix 190,0001., I* lading Mabee, to Mr.

THE QUEEN'S VISIT TO

LEEDS.

(FROM OUR SPECIAL EXPORTER.)

LEEDS, TUESDAY AlTllll.lloolt.
The opening of a new civic ball, suited to the
wealth and position of the town in which it
is erected, most always be a matter of deep
interest to the inhabitants of the neighbour-
hood. Such a building is to the community
to whom it belongs what the domestic hearth
is to the family; it is an object of common in-
tenet, a centre of attraction to all classes and grades of
society; and it would assuredly be an evil omen if men
became so sordid and debased, so engrossed with the
factory or the counting-house, as to grudge the
means required to create and sustain those great
civic structures which are symbols of our civil
rights as well as ornaments of oar commercial cities.
Hitherto, Leeds his, it must be acknowledged, been
sadly defective in this species of civic symbolism.
It was high time that something should be dam te
prove that this was not owing to any want of public
spirit on the part of her leading citizens ; for, de-
spite the existence of a couple of cloth halls of
gigantic proportions, there was no municipal or
civic edifice which could pleasurably attract the eye
of a stranger. To the inhabitants of the town and
neighbourhood, therefore, the completion of the new
Town Hall, rivalling the noblest structures of
the kind in England, or perhaps in Europe,
is an event which would, in itself, quite
apart from the eclat of a royal opening,
call for hearty and universal congratulation,
Their satisfaction is, however, doubled and crowned
by the consent of the Queen to inaugurate their new
palace, and by the crowding of all claims from the
surrounding districts to pay the tribute of their
homage alike to her Majesty and the imreediate co-
melon of her visit. I must, however, now begin
my narrative of the opening of the hall this
morning.

The ;awning began with rain, and every one ►p-
peared to apprehend that the day would be wet.
Notwithstanding this foreboding, hewer, the pave-
ment and footways inside the barricades won occupied
from a very early hour. By nine the weather wee
ler threatening ; by ten it was even promising ;
and by half-past ten the hovering mists were
rapidly disappearing under the influence of a sun
which soon after shone brilliantly. The aspect
of the route of the procession—a distance alto-
gether of about three miles and three quarters—
was a thoroughly holiday septet. The roam of the
outdoor spectaton, roughly estimated by those
accustomed to such calculations at half a million,
belonged of course to the industrial classes of so.
ciety ; but they were all, or nearly all, clad in holi-
day attire, as though determined to mender their
respect as far as they could do so for the Queen, and
their behaviour throughout the morning was admi-
rable. Except at a few sharp angles in the nar-
rower streets of the town the office of the police,
metropolitan and local, was for the time all but a
sinecure; and indeed the local force, encouraged
perhaps by this state of things, appeared to consider
the occasion no lees a holiday for them than for the
multitude they were set to watch and oontrol. This
orderly state of things was doubtless. in a great de-
gree attributable to the use wisely made of the
members of the friendly and bereft societies with
which the town and district, like all similar ones,
abounds. About 26,000 of them were employed to
lona a single-file barrier in front of the crowd on
each side of the way—a duty which they performed
very effectually and apparently with very little
difficulty. Instead of ribbon, they all had a sprig
of holly fastened in their coats, and they all wore
whits gloves. The galleries and platforms we
numerous and ample, especially in the outskirts of
the town, and there were comparatively few seats
unoccupied. The least successful speculations of this
kind were, curiously enough, close to Woodsley
House, the starting point of the procession—a result
which probably arose from the circumstance of an
exorbitant, and practically prohibitory, price having
been asked by the owners until it was too late to let
them even at very reduced figures. The general
tariff of seats in the galleries did net appear at all
immoderate, ranging as it did fres Is. to 6e.,
asieording to situation. I have already indicated
the general character of the decorations. Of course
these were all displayed in the moat effective manner
this morning. Tasteful festoons extending across
the street; flowers of every hue formed into
numberless devices; greetings of welcome is every
variety of phrase ; flags and banners of all Mies and
deeariptions, and for the most part of very creditable
appearance, with here and there a triumphal arch—
these beetrewed the whole line which her Majesty
had to traverse, and in decorative gratulatione
the Royal visit, Leeds engaged, to soy the Mat, in a
creditablecompetition with Mancha*" and Birming-
ham. The most interesting portion of the route was on
Woodhouse Moor, an immense piece of ground, the
property of the townspeople, which is a few hun-
dred yards from Woodsley House. Here were
assembled, stationed on rising platforms, about
32,000 children of the Leeds national and Sudsy
wheals. Wailed by their teachers ; and darn, the
arty part at the morning these children were
engaged in rehearsing the National Anthem for the
ears of the Sovereign, and in singing at intervals
soma well-known hymn, their performances being
all carried oa wider the guidance of a aredaetor
elevated as a leity rostrum crested is the centre of
the main body of the juvenile songster.
Woodsley Home, where her Majesty passed the
night, is situated on the top of Bt. John's Hill, the
site commanding an uninterrupted view of a pleasant-
leaking valley below, and, further on, of a number of
country resider's, which stud the background of
the landscape. The house itself is a square, solid-
looking building, with small architectural pretea-
siode ; bat it is said to be a very excellent and well-
arranged dwelling internally, while in the rear
there are very tastefully laid out gardens and
grounds. Daring the Queen's sojourn the royal
standard of England floated majestically from the
roof of this honoured dwelling, and a guard of the
22nd Regiment was stationed at the entrance.
For rime time previously to the fatties oat of
the preemies there wen growing iadieations
of the appreatitiag Mart ia the movements of
Sir Harry Smith. the general semmending in the
district; Earl Fiftwilliam, Lard-Lieutenant of the
county ; Major Groves, secretary to the Master of
the Horse ; the officers in command of the cavalry
wart, and the royal outriders; and Mr. Sammie-
tesdent Walker. of Londe'', having traversed the
use jut before the Queen started, premiered
it to be in perfect order. Her Majesty left
Woods/ay House at about half-past 10. The
royal eortige consisted of three carriages. In the

LONDON, WEDNESDAY EVENING, SEPTEMBER 8, 1858.

first were the Marl of Derby ; Lady Churchill, Lady
in Waiting; the Hon. Miss Stopford, Maid of
Honour; and Miss Hildyard, Governess to the two
Princesses. In the second were Sir Charles Phipps,
Colonel Poneonby, and General Grey. The last
carriage contained the Queen, the Prime Consort,
the Prinoess Alioe, and the Princess Helena.
The royal carriages were preceded by carriages
sustaining the members of the corporation, and the
Mayor, attended by the Town Clerk. The route
we. down Woodhouse-lane, Upperhead-row, and
Briggs* in Boar-lane, and thence into Wellington-
Stu* and West-atreet. Attar this the royal pro-
cession tuned down Queen-street into Park-
Saes, King-street, and the East Parade,
emerging in front of the hall from beneath a hand-

some arch constructed for the occasion and decorated
in the most tasteful manner. The Queen's progress
was, it is needless to say, signalised throaghoat by
the loyal aad affectionate welcome of the vast con-
course through which she moved ; and she was
manifestly gratified by the kindnees and hearti-
ness of her reception. It is palpable that she is

too him= is her sympathiis, too genuine in
Ler siental einsposition, to be palled or wea-
ried by the repetition of genuine expressions
of public interest and affection. Here, as elsewhere,
she won the good will and good word of all who had
not previously had the pleasure of beholding her. I
ought to mention, before passing on, that at Wood-
house Moor the National Anthem was sung, as pre-
viously arranged, by the children of the schools her
Majesty giving the signal for commencing by hold-
up her right hand, and staying till the conclusion.
It was about half-past 11 when the royal party
arrived in front of the Town Hall, the open space
before which had nearly all been kept clear for her
reception, the houses bounding the view being how-
ever gaily decorated, and thronged with dense masses
of spectators. Her Majesty was preceded by a
squadron of the Yorkshire Humeri, commanded by
Colonel Beckett, and a squadron of the 18th
Light Dragoons. On alighting she was received by
the Msyor and the Lady Mayoress (who, together
with the corporation, had reached the hall some time
in advent* by deviating, u previously arranged,
from the line of the procession at the junction of
West-street with Queen-street); the Bishop of Ripon;
and the Vicar of Leeds (Dr. Hook.) Her Majesty,
who, the moment she entered the open space, had
taken a seratinising view of the new building, imme-
diatelyucended—being preceded by the Mayor walk-
ing backwards—the lofty flight of steps, which were
covered with crimson cloth, and mounted the plat-
form in front of the hall, where she lingered for
about a minute to view the principal entrance. She
then entered the vestibule, and as she did so the'
organ at the farther end of the hall immediately

commenced playing the National Anthem. While
her Majesty is examining the beautiful vestibule, with
Its statue of henelf, anadmirableworkof Noble, and
its highly finished tesselated pavement, I will endea-
vour to give some idea of the some within. For
two hours before the Sovereign's advent the hall
had received its complement of spectators, and the
scene which it now presented was one of the love-
liest and most interesting kind. The sides of the
ground fleeerlhe sleet thuse-tourtha of the length of
the hall, were occupied by rows of ladies, about
twelve deep, all attired in the pyset costume, and pre-
senting a comp dell which, by its variegated gaiety,
irresistibly suggested the image of a parterre of
flowers in their prime. About an equal space with
that thus taken up by ladies, was packed by a com-
pact body of gentlemen, extending on each
side to the wall. In the small gallery over the
entrance of the hall was another body of ladies,
whose rich attire, u seen in the distance, produced
even a more charming effect than that already
mentioned; while the orchestra was filled by etc,-
risters of both sexes, the female portion of whom
_ . _

were dressed in full unison with the occasion. lest
below the orchestra was a dais or temporary throne,
with several steps, on the top of which were Rye
royal chairs of state; behind these, resting on
Ake balustrade of the orchestra, was a crown.
An ample apses was left between the dais and the
spectators below for the ceremonial of the day ; and
at the sides of this were grouped the aldermen and
common council, the principal borough officers, and
a few of the leading inhabitants of the district. The
only persons of pablio note whom 1 recognised in a
eseeal glance were Viscount Goderiob, Mr. B.
Denison, M.P., Mr. F. Crosley, M.P., Mr. Vance,
M.P., Mr. M. Milne*, M.P., Mr. Alderman Sidney,
Mr. T. Baines, and Mr. E. Baines.
Alter remaining kw about five minutes in the
vestibule, the Queen, leaning on the arm of the
Prince Consort, entered the hall, her appearance in-
stantaneously evoking a heart-stirring and pro-
tracted buret of cheers, accompanied by a loud
clapping of hands. Proceeding with queenly grans
and dignity up the centre of the ball, and bowleg
graciously as she advanced, her Majesty at once
weeded the steps of the dais, and took up a standing
position before the principal chair of state, having the
Prince Consort and the Princess Helena on her left,
and the Princess Alice on her right. The Queen
was attired in a white bonnet with greets trimming,
a light brocaded silk dress with dowses% and a
white lace mantle. The Prince Consort was in
plain morning costume, varied only by the rtloand of
the Order of the Garter.

The Bishop of Ripon, by the side of whom was
Dr. Hook, opeasesooed the ceremonial of the loan-
's:Mica of the hall by reading, in a clear and
audible voice, the Lord's Prayer, which was fol-
lowed by the following occasional form :
. _

Alolgity sad sverimati4 God, by whose gracious pawl-
dam Thy mats have beinpensitted to erect this beadle(
la w►bl we ere how essembied pour down, we hewhiy
loses& Thee, Thy blessing opus this sodertehiss. Gnat
that tbm completios of this hall easy coatribate to the glory
of Thy wise, sad to the Latin welfare ot the isltabitasts
this torn.

Great that whomever Thy people wage together is this
'Naos, they ay be furthered with Thy wetland bal..
Voughaair, 0 Lord, Thy hurray golliwog to Shoos who
shall be wiled to it la jolignisat while thaw was. Give
then the 'Oft cd wisdom and oodgegtgading. NU this.
with Thy holy fear, sad amble than truly sad insbirnatly
to minister jellaba to the goahlunnin of widadasse sad viog
sad to the minimum al flyers, vele= and virtue.

Prosper with Thy biowisievary plot; Mart for H. ad.
viatommat at Thy kWh, tor the proatotioa of medal istra.
lag, or Sc, the osoaroar of those who are is used soil Minsk
Pill otu. Warta, 0 Lord, with Noah a lively POW den Thy
manias, that we say day latlesvoer to live to Thy glory,
then y& Alai Mist..r Load wad Saviour. Ann. _

-..-
The prayers fee the Qmea mad for the Royal Fa-
mily, takeu from the Liturgy, were then aimed
ami Mee a short prayer " for the wonhipful the
Mayor, the Aldermen, and all who bore rale in the
town.'

The following thanksgiving wan then read :

0 Lard oar li;vraly Fear, ir• lire sod move
sad love sot bsisg, we Wm sod miss Thy glorious airs,
for fly goofier. la Irvin graded lo Thy ssonsals, Is b
laid dis sumo disk assign la as rutin at ibis Lodi&