Birmingham age-herald., 1895-04-24
AND THE CAT CAME BACK, Or Rather the National Bank
 Examiner Did. CASHIER HOLLAND PISSED. He Had Borrowed S16,000 Wherewith to Flim-Flam the Wiley Official, But
 It tWouIdnt Work,

Charlotte, N. C., April 23.-Cashier J. R. Holland of the Merchants and Far mers' Nat ,onal bank of Charlotte is a de- faulter to the amount of $60,000 or more.
 Bank Examiner Miller has been here for several days, and says he will remain for at least two weeks longer It was he
 who discovered the defalcation. Mir.
 Hollands peculations have been car ried on for eight years past, and he has managed till the last few days to hide them from discovery. The exact amount of the money is not yet fully known.
 No man in Charlotte has in the past
 been held in higher regard and been
 more fully trusted than MT. Holland, and the whole city was greatly shocked to hear of his embezzlement. He has not yet been placed under arrest, at the re- quest of the directors of the bank, he
 agreeing to waive all examination in case proceedings are begun against him. He has never made the slightest effort to escape.
 Week before last Bank Examiner Mill Ter stopped at Gastonia on his way to Charlotte. He examined the national bank there thoroughly. and knew every
 bank with which it had an account or
 money loaned. He found that bank in
 good condition and came on to Char lotte.
 The H1SI Qdy ne SpeUl dl lit hci- chants and Farmers bank he discovered on looking over Cashier Hollands book where he had loan of $5000 marked to the GaStonia bank. He called MT Hol- land up and asked if that was correct. He said yes. MT. Miller made mental note of the fact. He next proceeded to look over the cash. He found it short just $1. That was easily accounted for, and paid in. That night MT. Miller left.
 No one asked where he was going, 1t be- ing supposed he was through his exam inaton and had gone elsewhere on the same errand. He had gone but only to return He took the 10:40 train for Gas tonia rung MT. Jenkins, the president of the bank up and told him he wanted to look over his books again. Mr. Jenkins wondered what was up, but said little. He and MT Miller spent the night going through the books. No loan of $5000 to the Merchants and Farmers bank was found. MT Miller said:
 You have loaned the Merchants and Farmers bank of Charlotte $5000 of which there is no record?'
 "No' said MT. Jenkins, "I have not" That was the beginning of the end.
 MT. Miller said nothing more, but came back to Charlotte the next day. He ap- peared at the Merchants and Farmers bank, and said to MT Holland that he
 might have made a mistake in counting the cash the day before, and believed he would count it again. Instead of finding 1t only $1 short he found it S16000 short Mir Holland, as was hisi custom, had bor- rowed $16,00 to put to his cash while the examiner was here, but thinking he had finished and departed, and that he was safe at least for another year. he with drew the $16,00O and returned it to the party from whom borrowed. Seeing that all was lost he confessed to President McCaden that he was a defaulter and the sad story of his fall became known. The Merchants and Farmers bank is perfectly safe, having a sufficient re- serve fund to cover all losses