davidaulloa/AmericanStories huggingface dataset:
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13
SOLID and PROGRESsIVE.
State Bank of Virginia Combines All Ele
ments of success.

Located in a city that is justly proud
Of it's solid financial institutions, peer OF
them all in conservatism and yet in en-
terprise. the State Bank of Virginia Is
one OF the rock-Tibbed magnets that
draws careful attention and high praise
from fnanciers when Richmond, Virginia,
is bespOken.
Nothing that can be said in The Times
can add to the proud lustre of the State
Bank of Virginia. but ii is possible to use
the bank as a model toward which to
direct attention when the progress Of
Richmond is under discussion.
There is nothing in the line Of bank
ing or safety-deposit work that cannot be
handled to advantage by the gentlemen
who are responsible for the present
proud position held by their institution.
The bank has been progressive since its
beginning. II has continued to take the
lead in all things smacking Of progress.
yet with that cautious, safe procedure
that comes from the fnely-trained bank
er's intuition, and its home is to-day one
of the most pleasant and commodious.
yet snug" and safe banking houses in
the city of Richmond, or in the entire
South.
Mr.. John s. Elicit. the president. is one
of the beStknOWn and most respected
financiers in the South
Mr.. VIM. NJ. Hill. the cashier is an
affable gentleman, who attracts business,
and whose judgment In a transaction of
finance is much sought
Perhaps better than anything else show
ing the sOldity of the State Bank of Nir
einia is the following report of its con-
dtion on October 8, 1897:
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13

pend upon the company for their incomes.
Major y. V. Randolph Is president
Judge George l.. Christian is vice-presi-
dent; Charles X. Willis IS secretary. and
Robert Lecky. Jr., is assistant secretary.
Major Randolph Is known to every per-
son who has business connection i'm Rich
mond. as one Of the most substantial citi-
zens Of the community. lie was made
president I'm 1891 and during his term Of
encumbency the prosperity Of the concern
has made many OF the rapid strides 10
which allusion has already been made
Judge Christian is one OF the most emin-
ent lawyers in the "City on the James"
and his judgment is acknowledged perfect
IN all legal questions
Mr. Charles K. Willis has been connect
ed with the Insurance business In Rich
mond for sixteen or seventeen years. and
has been with the Virginia state Insur-
ance Company for thirteen years.
Mr. Robert Lecky. Jr.. who has charge
OF the settlement Of all losses. and who
has in hand all Of the outside agencies.
has been i'm this line Of business for four
teen years, and with the Virginia Stats
for the past we years He is constantly
enllrging the territory covered by the
company, and knows the insurance men
in every part Of Eastern United States
with personnel like this, and with a
policy Of progrossiveness that attracts the
up-to-date commercial man TO its stand
ard, having, withal. a conservatism that is
Intelligent. Inc Virginia State Insurance
Company has done its full share toward
giving Richmond its proud place upon the
map. and stands ready to aid in all future
developments OF the city.
The insurance company OF to-day which
can proudly say that 1t has paid millions
OF losses a half million in dividends and
been obliged to defend but three law suits
in thirty-two years Is indeed monument
OF financial strength. TO which any citizen
may point with pardonabe pride. Rich
mond is proud of the Virginia State In
surance Company.
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13

or every individual part Of a range so that
"a person may know the technical name q
any repairs Doc wishes 10 order
The iron that is used hy the Richmond
Stove Company has a. reputation for
strength and toughness and the skilled
wOrkmen who are employed by the COM
pany turn ont product which is 70 ONLY
economical in fVel required but efficient
I'm all The wortng qualities and orna-
mental withal.
The Richmond Stove Company makes
from IT'S own original designs everything
that can DO imagined in tho way of cook
ing apparatus and heating stoves
10 follows mo- leader 40 buys no stoves
from another dealer to Doe used as 70 mould.
although &C. Is frequently initiated Boo this
way hy less successful concerns.
II puts ont IT'S ranges and Cos heaters Boo
scores and almost hundreds of original
styles and shapes and entirely ON their
merits Tho business is transacted all over
the country. but Tor local trade are tne
greatest efforts put forth.
The Richmond Stove Company. l0i 70
25i9 and 2502 1904 and 2j06 east Main street
Richmond is recognized hv tho trade -
the United States as one of the leading
institutions on its kind in The country. ana
IFS success is one of The bright evidences
that merit and nrogrossivcnoee arc proc
htahle when combined n the beautiful
capital OF Virginia.
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13
GRrAr wooD.wornlNe INDUsrEr.
Virginia and North Carolina wheel CONS
pany's Progress in Richmond

The Virginia and North Carolina wheel
Company was established in Richmond.
Va. in 1851. having originated mta
years ago I'm Greensboro. North Carolina
nj the hands OF Thomas Mcmahon wh0
was president of the company nap to the
time ~ his decease three years ago.
AS business expanded. a more central
location was desirable and Mt Mcmahon
associated himself with resident capital
lists and transferred the business here.
under the above name in 1>1. having in
view an extension Of the wheel manuflc-
: turing business with better facilities than
he could have in the interior ~ North
Carolina.
A company was organized and inc0rpO-
( rated which is capitalized for The sum of
5000 showing the scale on which the
! business is done its factory thoroughly
| appointed FOR the business and employing
J about 900 hauds-In the factory and in the
woods procuring the necessary supplies
I OF timber for operating the works here.
| 4 portion Of the year. from August to
May. which is the suitable time Or the
/ year FOR cutting the hiskory and white
oak timber. an additional force is om-
rloyei. making the total number of hands
required for the business about 500. This
| Is decreased during the summer months
70 about go or 800 Tor general manufac-
turing purposes.
The factory has been in continuous 0po-
ration since IFS location here. having run
through the times Of depression without
materially lessenlng the force OF em-
pl0ycos and with very little if any loss ~
time from any cause. While the company
has men on the road selling its specIaltios.
wheels and general wood work for wagons
and carriages In the Eastern and South
em Atlantic States the hulk OF the ont
put, however is for export and distant
points ~ trade.
The location Is a most favorable one
for procuring an adequate supply of the
/ best qualities Of timber needed in tho
business. The shipping facilities are un-
surpassed by any Ike establishment The
factory and works are comparatively now
and c0mmOdious, and the machinery U.s.
first class In an respects. enabling the
company 20 get out a large amount ~
goods az the lowest possible cost for first
class work and material
The hands are skilled and efficient Tho
amount Of raw material carried Us large
and OF good quality. secured from Viz
ginia and North Carolina mostly. and the
patrons Of the works viii Boz supplied with
the choicest stock obtainahIe goods being
first class ana satisfaction given in every
respect
The works are located on the Newport
News division OF the Chesapeake and Ohio
railroad near the Eastern limits u tho
city. and are within "a short distance of
the Richmond city Railway line.
The present officers of the company are:
President. w J. WestwOod, Secretary
and Treasurer. f. l.. Brown.
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13
READING Banning INSTITUTION.
John L. williams a. Sons Are Up to Date
and Prospecting Because They Are.

Banks. moro than any one other set OF
institutions. probably reflect the progress
syeness or the lack OF IL in any com
rhunity The banker comes into closer
touch with the commercial and Industrial
life OF the city in which he Is located than
does any other person who is not directly
interested In the purchase and sale or the
manufacture OF merchandise.
Tho Visitor 10 Richmond is impressed
with the solidity and apparent success
OF its many banking institutions. None
"a better exemplar Of the progress OF
the city than the institution OF John L.
williams e. Sons. whose place OF bust
ness is al the corner OF Main and north
Tenth streets.
For more than a third OF a century has
the Institution been recognized as one
OF the leading financial institutions OF
Richmond, not all that time under the
present name, the sons having come into
the concern as they arrived at mans es-
tate
Conservatism is the prime necessity In
ALI banking matters, but the firm Of John
L. Williams & Sons Is a living exemplih-
cation OF the fact that conservatism need
not necessarily lack enterprise. Always
foremost In anything that will rebound
20 the credit OF the city, this bank has
taken the lead I'm many enterprises and
hes gained a reputation for backing up it's
progressive opinions with its name and
ifs money. That reputation has proven
profitable. and has shown that there is a
reid for not only commercial progress
but for financial progress In the capital
OF the old Dominion
The firm II al present made up OF John
T. Williams. whose reputation as an au-
shority on all sorts OF investments is sec
ond TO none in the South. and OF his three
sons, John Shelton and Robert Lancaster
and Langbourne NJ. Williams.
AZ bankers and brokers this Banking
House has been perhaps more largely in
terested IN deyelopmental projects through
the South than has any other similar con-
csrn In the country. and II has never MISS
cd fire In its judgment as to the feasibility
Of the project In hand.
50 often was the advice OF the concern
sought 10 regard 10 Southern investments
fhax some years ago It began the publica-
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13

roads. says Business Facts About Rich
mond. Va" as follows:
By Atlantic Coast Line.--Cotton, corn
wheat. sumac. rice. oats tobacco, oeer'
tongue. jute. tar. pitch. turpentine. ochre.
clays, lumber, and nearly all WOODS useu
ia manufactures.
BY Southern Railway System-Ail the
cereals. cotton. tobacco. kaolin, feldspar,
mica barytcs. building and IRE clays'
graphite. gold. iron. and copper ores IN
great variety. ochre granite. coal lime
stone. quick lime. lead. manganese. car
Donate OF magnesia, soapstone. asbestos
hornblende nickel. slate, sandstone, buhr-
stone. marble white and variegated),
glass sands. agate jasper. silver, turpen-
tine and other products Of the pine, as
phalt gumac. various minerals for ground
paints: oak, pine. walnut. poplar maple
birch, willow locust. plum. hickory, dog
wood, cherry persimmon, ana other
woods OF commercial value.
BY Chesapeake and Ohio Railway.-An
the cereals. live stock. wool. tobacco,
coal iron, gold ores. copper and iron
pyrites. lead. anthony. manganese, SAT-
fire clay. kaolin, hoop-poles. cement lime
stone. sandstone. hides, slaves. leather
lime bark, pig iron. plaster, sumac' petro-
leum. numerous woods. barytes, granite
glass. sands mica. and slate.
BY Norfolk and Western Railway.-AH
the cereals, live stock. WOOL hides cot
ton. commercial woods. salt. lime, plas-
Ter. lead. zinc. copper. iron, and coal.
By Farmville and Powhatan Railroad
The cereals. tobacco. forest products GER
annie clays. mica. slate granite, iron ores,
bItuminous coal, etc.
The list is by no means exhausted as
given above. as only what are practically
leading staples have been listed. Many
other articles could be named which are
procurable with no greater diihcultV.
The supplies in the regions traversed by
the roads mentioned. with their connec-
lions. are virtually inexhaustible.
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13
An Old INsURANCEIIRM
John d. Cary and Son, General Agents OF
tn Sorihwestern Mutual Life

About twenty years ago Col. John b.
cary lecame the general agent in Vlr-
ginia Of the Northwestern Mutual Life
Insurance Company. of Milwaukee. Wis.
Al that time the company was scarcely
known Is the State. having considerably
less than 100 policyhoders. with a pre-
MUM income Of less than s.. 800. To-day
there are over 400 policyhOlders. hold
thout 100000 Of Insurance. with an
nual premium payments exceeding $780,
OOO In the two States Of Virginia and
North Carolina.
In 1883 Mr. 4. A. Cary became a MEM
per OF the iirm, and North Carolina was
added to the territory OF John b. Cary
& Son, which is one Of Lest known gener-
al agencies In the South. They represent
company whose history is an open
book, which can be read Of all men.
The Northwestern Muunls growth
has not been Of the boom" order IL
has been steady. sure. and safe Us
great business las been built up by the
earnest efforts OF officers OF fine execu-
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13
PROGRFSSIYE INSURANCR NAN.
EicbeIbereer & Go. Kepresent the Travel
lers In . Satisf 'ctorv Wav.

EicbeIbereer & Co. Represent the Travel
l@rs in . Satisfactory Wav.
One OF the most notable examples of the
possibility OF success on progressive lines
in Richmond is the prominence attained
entirely by interchangeable enterprise on the
part of Mr. II. ID. Eichelberger. who has
charge Of the placing OF life and accident
insurance in several Southern States for
the great Travellers Insurance Company
of Hartford. Conn. Mr.. Eichelberger Is
a young man, who came here from Ken
lucky and by dint of ability. intelligently
applied. irnde for himself a place among
the leading citizens Of the State Fore
most in every move that looks TO the i'm
provement and upbuildng Of the city
enterprising beyond all measure in the
conduct OF his own business. possessed Of
an optimistic disposition and the capacity
for tremendous amount Of hard work.
Mr.. Elchelberger is to-day a conspicuous
example OF the success that is possible in
the camtal of the Old Dominion.
Mr.. Eichelberger has. OF course. a most
thoroughly reliable line Of business 10
offer. He came into this position with the
Travellers because that company is enter
prising and recognized the progressiveness
that had already shown itself in the Ken
tuckian who had made Virginia the State
of his adoption. That he has done good
work for the company that he and his
associates in the firm OF II. ID. Eicheiber-
ger & Co. represents. Is known to every
body In Richmond.
Located in handsome offices at No. rs
east Main street. Mr.. Eichelberger and
his business confreres direct the move
ments Of agents in VIRGINIA. West Viz
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13
oNH or rHn GRr1rFACroRIEs.
Richmond owe Company's Works a
Monument To Merit and Enterprise.

h'NhhttHi 10 III tit ana Luferpriso.
Richmonds index finger frequently
points toward the great plant OF the Rich
mond Stove Company. i'm the endeavor 10
SHOW how grand a success can be built
up on Industrial lines within It's historic
confines.
There Is probably no one Industry In the
city which more thoroughly represents the
ingenuity and the practical business tact
OF the Virginan.
The policy OF the management from the
hrst has been one Of patronage OF home
industry and on this line it has endeared
user 10 the people much more than those
"hlch nave had more OF their business
dealings with foreign corporations.
Mr.. w. j. Anderson president of the
Richmond Stove Company. and Mr. n q
Rennoi0s, the secretary and treasurer. TO
whose intelligently directed efforts the
success OF the company is mainly due. are
among the leading opponents Of that one
idea, "Patronize home industry" and they
practice what they preach In the hope
that II may help the city. and indirectly
OF course. help themselves.
Progressiyeness can be found I'm every
department Of the great stove works oven
which they preside. 1t is illustrated I'm
their catalogue most interesting book
with an embossed cover OF elegant design.
II Is Illustrated In their office method. no.
tlceabie TO every person who steps inside
tho door. II IS noticeable in the show
rooms. where. In handsome rows. the dis
play IS laid out In such manner that even
one who does not need a stove is tempted
to buy. IL is noticeable In the foundry
and the machine shop-in the orderly.
systematic manner in which business Is
conducted, and in the careful attention 10
every detail that at once is evident even
10 the casual visitor
The catalogue OF the Richmond Stove
Company, which has been mentioned Is
Freely sent 10 all who apply. and IL shows
pictures or the most stylish ranges and
stoves that are manufactured anywhere
Crates are also illustrated. and prices on
all these things are quoted In plain figures.
4nere are also diagrams showing the name
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13

Mrs. A. ID. Atkinson Has Made the Lexing.
ion "a Comfort aud JOY

Contemporaneous with the upbuiidlnc
OF Richmond has beer the progress during
recent years OF the Lexington Hotel.
which has Leen made one Of the most
comfortable houses In the south and
has az the same time made the name
OF Mrs. \. d. Atkinson synonymous for
success.
BY clint OF her own indomitable will.
and lt--li policy Mrs. Atkinson has be-
come - )nspicuous factor In the tram
silent ...I regular entertainment 81 yisi-
tors arG rc4.dcnts OF the city on the
James
The Lexington was Tor gears not recog-
nized among the leading hotels This was
before Mrs. Atkinson took H. Now u has
become so prominent that no mention OF
Richmond's Accommodations for guests Ia
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13

tive ability. and by agents who have
been industrial and reliable June}oth'
lN'9 the company had l30 policies in force
representing less than Sil0.0O0 Of insGr-
ance. and its total assets were less than
$1,000. June Goth of the present year 1t
had
Insurance IN foroe.............$S9S.5s l.4lO ~
Asspts o. 900. 02j IS
Surplus ......................... 213Gf.116 S6
thus making II one Of the strongest, II
not the strongest. life insurance compa-
nv in existence.
The Northwestern does not seek bust
ness In foreign countries, on the South
Atlantic Coast, the Gulf Of Mexico. or
the Lower Mississippi. but only I'm the
healthiest portions Of the United States.
IL is the largest Of all PURELY AMER
lCAN companies. It's membership Is or
the choicest selection as Is evidenced by
the phenOmenally low rate OF mortality.
The company invests its assets i'm FIRST
mortgages on improved real estate. at
conservative valuation, and in United
States. State, county. and municipal
bonds. IL does not invest in any Kind
of FLUCTUATING securities. The pure
" mutual feature Of the company IS
responsible. In a large degree, for its
remarkable success.
During the thirty-eight years since the
company commenced business II has paid
to the representatives Of its deceased
pOlicyhoiders. for death losses. $2S.3l2,335.-
rs; and TO its living policyhoders for div
blends. matured endOwments, annuities,
surrendered and lapsed policies S5,952-
69i.66; total, 81. 26j. $50 a. Add present
assets. So. $50. G03 14-amount paid 10 poll
cyholders and held for them. Sl76.S9S, 63i.-
Is. Total premiums received, Sl59.00l 49,
a.. Excess OF assets and payment 10
DOlicyholders over premium receipts,
NIS9L145.7l.
The payments to policyholders added
TO the present assets amount TO nearly
eighteen million dollars more than the
entire premium receipts.
The company is admirably governed
10y men of high character and business
ability. Mr.. John :. Elicit. Of this city,
president of the State Bank Of Virginia,
is one of the trustees. I'm 1895 the COM
pany was subJt'l 10 rigid examination
by The Insurance Department Of Nis-
cOnsin, Massachusetts. Illinois, South
Dakota and Nebraska; and it's manage
ment was highly commended and the
pOlicyhOlders congratulated i'm the fol-
lowing endorsement:
1T Is a pleasure TO congratulate the
pOiicyholders OF the Northwestern Mu-
tual Life Insurance Company upon hav-
ing their interests guarded by so efficient
board Of officers. and the highest COM
pliment that can be paid is that this ex-
animation has demonstrated that the
company i'm its dealings with its policy
holders and benehciaries. and i'm its fl
nancial management has lived up 10 that
high standard of reliability which has
gained for 1t the confidence Of the peo-
pie and made its grand success possible"
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13

State of Virginia-City Of Richmond. SIS:
!, William NJ Hill, cashier Of the above
named bank, do solemnly swear that the
above statement Is true 10 the best of my
knowledge and belief.
WILLIAM NJ. HILL. Cashier.
Subscribed and sworn TO before me this
Sth day of October, 1891
EDWIN PLEASANTS, n. 2.
Correct-Attest:
]. l.. ANTRIM.
GRANVILLE G.. VALENTINE.
J. ID. CRUMP.
JNO. S. Elicit
Directors.
The times. [volume] (Richmond, Va.) 1890-1903, 1897-10-13
SAFE FRtTERNAL INSURANCE.
Splendid History OF the Progressive Guild
fAmerica.

In 1890 there was chartered by the Leg
islature OF Virginia a fraternal benefc-
iary organization which is now one of the
most solid institutions OF the South. Its
growth has been remarkable. Yet II has
not been Of the mushroom" order. II
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1897-05-05

the sky, as the grizzly was lord Of the
forest. Eudena wondered what would
happen if one star stayed behind. And
then the sky paled to the dawn.
When the daylight came the fear of
lurking things passed, and she could
descend. She was stiff, and as she had
not been trained to eat at least once
in three days, she did not feel uncom-
fortably hungry. She crept down the
tree very cautiously, and went her way
stealthily through the wood and not
squirrel sprang or deer started but
the terror of the grizzly bear froze her
marrow.
Her desire was now to find her peo-
pie again. Her dread Of Uya the Cum
ming was consumed by greater dread
of loneliness. But she had lost her di-
rection. She had run heedlessly over
night, and she could not tell whether
the squatting-place was sunward or
where it lay. Ever and again she
stopped and listened, and at last, very
far away she heard a measured chink-
ing. She knew the sound was that of
man sharpening a flint.
Presently the trees began to thin out,
and then came regiment of nettles
barring the way. She turned aside,
and then she came to a fallen tree
that she knew, with a noise of bees
about 1t. And so presently she was in
sight of the knoll, very far off, and
the river under it, and the children
and the hippopotami just as they had
been yesterday, and the thin spire Of
smoke swaying in the morning breeze.
She crept into a thicket of bracken, out
of which a rabbit scuttled, and lay
awhile to watch the squatting-p place.
The men were mostly out of sight,
saving Wau, the tiint-chopper. They
were away hunting-food, no doubt
Some Of the women, too, We're down
in the stream, STOPPING intent, seeking
musels, crayfish and water-snails, and
at the sight of their occupation Endena
felt hungry. She rose, and ran through
the fern, designing to join them. AS
she went she heard a voice among the
bracken calling softly. She stopped
Then suddenly she heard rustic be-
hind her, and turning, saw Ugh-lomi