davidaulloa/AmericanStories huggingface dataset:
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03
STATE SAFE DEPOSIT CO.,
State Mutual Building.

The State Safe Deposit Co., whose
vaults are located in the State Mutual
building. opened their deposit vaults in
1889, when the company was incoTpor-
ated This company fills want long
felt by our business men and families
who had at various times valuables
which they wished to store away where
they should be perfectly secure in the
feeling that they were safe from both
fire and burglars. 1t has certainly
been a well managed and most success
full company, having already secured
quite a number of clients. Every ac-
commodation is provided for the con-
venience of patrons, and the facilitating
Of business. The company have TIA
boxes in their vaults for ren6afor from
$500 per year ranging upward to $500
per year. These are as near fire and
burglar proof as they can be made and
are protected by every device known
to the present century. They are pro-
vided with time lock, there being four
clocks attached, each one kept run
ming. so in case of accident the door
can be opened, this door alone weigh
ing three tons. Watch1nen are on duty
all night. the vaults also having bur-
glar alarm connections with tine police
office. The company have a large vault
for silVerWare and other NaIuaDleS thaC
are too bulky for deposit boxes, rent
ing space in it, on very reasonable
terms. Any party renting a box is
given two keys, and before the box
can be opened it is necessary for the
custodian to first insert a master key,
allowing the rentee to take his or her
box to one of the small compartments
provided for them to look over their
vaIuables. 1t has been an extremely
enterprising concern from its inception,
but conservatism has characterized its
management throughout, and to this
fortunate combination it owes in great
measure the high place 1t occupies as
a depository for valuables of every de-
scription. The officers of the company
are A. G. Bullock, president, H. NJ.
Witter, secretary, and Halleck Bart
lett. custodian, with Messrs. a. G.
Bullock, Thomas H, Gage, p. B. Stod-
dard. Josiah II. Clarke and Henry M.
Witter. directors. These gentlemen all
hold a high and honored place in the
community. They are too well and ia
vorablv known to need any further
comment at the hands of The Spy.
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03
MECHANICS NATIONAL BANK OF
WORCESTER.
Central Exchange Building, 31I Main
Street.

The financial institutions of Wor-
cester occupy a prominent position in
the highways of commerce and trade,
and there is no enterprise of greater i'm
portance than that of handling and
keeping the monies of our people while
awaiting investment. The policy of the
Mechanics National Bank of Worces-
ter has been clearly defined during the
so years 1t has been in existence, it has
been one of progress, encouraging in
every legitimate way home enterprises,
and has consequently gained steadily in
influence, it's managers possessing an
intimate knowledge of the real needs
and resources Of our city The bank
was started as state bank in 1915,
and reorganized as a national bank in
1865. The capital stock of the institu-
ton is $S50,000, while at the close of
business, July IA. 1898. they had a sur
plus fund CT $4,000, and undivided
profits of nearly $4,000, with loans and
discounts of $3.50, 615.3S, the deposits
subject to check amounting to $3.50, =
81 49, The bank statement is an elo-
quent commentary upon the wisdom
and prudence of it's executive manage
ment while its operations and invest
ments have been extremely extensive
The bank transacts a general banking
business numbering among it's patrons
many of our most influential corpora
tions, merchants and private citizens.
The premises occupied are arranged
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03
WORCESTER NATIONAL BANK.
No. . Foster street.

1t has been the good fortune Of the
people of Worcester to be provided with
sound banking institutions, fact bet
ter demonstrated by the presence OF
such an ably managed and strong
monetary institution as the Worcester
National Bank, fiscal institution
which has enjoyed an unusually sue
cessful and prosperous career. since IT'S
inception as a state bank in l6O4, pelnS
incorporated as a national bank IN 1864,
also enjoying the distinction of beng
the oldest bank in the city. BY sys-
tenn of liberal treatment, coupled with
financial probity in its transactions, the
Worcester National Bank has been ell
abled to increase its deposits until, ac-
cording to their last statement, they
amount to 81, 1923, 504.6I This has been
done by the acquisition of new patrons
who appreciate the careful business
methods which have ever characterized
the management of its affairs rms
bank has been always noted for the
standing of it's officers and directors.
whey. have invested the money OF their
depositors with judiciOuS care Always
conservative, yet enterprising, they
have been enabled to go. through per-
1ods of financial depresS1onS WIN name
and prestige unlmpalred. Inc Cdplldl
of the bank is 100000, while the surplus
and undivided profits reach 1926, 957.l5.
This is a creditable showing, the sur
plus and undivided profits being nearly
one half as large as the capital. The
bank has as correspondents the Han
over National Bank and National Park
Bank of New York, the National Elk
change Bank, Boston, and Commercial
National Bank, Chicago. The officers OF
the bank are: Stephen Salisbury, presi-
dent James P. Hamilton, cashier, a
position he has occupied since 1868, ana
G. w. Mackintire, assistant cashier:
The board Of directors is composed Oh
the following gentlemen: Stephen Sails
bury, Josiah H Clarke, A. George Bui-
lock. Jonas G. Clark, Charles A. Chase,
James p. Hamilton, Lincoln N, kinnl-
cult and Edward L. Davis. It is need re- :
less for us to say anything IN oehaI Oh
these gentlemen. They are men VINO
have the welfare of the city of Wor-
cester ever uppermost' consequently
will aid any legitimate enterprise that
promises to promote its best interests
an every way
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03
THE CENTRAL NATIONAL BANK.
45a Main Street.

One Of the best refexes of the bust
ness of any community is the presence
Of solid and responsible banking con-
Germs whose stability has never been
questioned, even in times of financial
depression. AS such an institution we
would mention the Central National
Bank of this city, which was founded as
a state bank in 1929, and reorganized as
a national bank in 1864. It's capital is
SS0O,000 with a surplus fund and I'M
divided profits amounting to $10OO
and individual deposits subject to
check of over million dollars. The
bank occupies handsome marble
building at 452 Main street, opposite
City Hail. and has every facility and
accommodation for the convenience of
its patrons. The business transacted is
such as is done by every first class
bank 1t receives moneys of trustees,
executors administrators, corporations,
firms and others awaiting investment
and furnishes letters of credit. The
officers and directors comprise some of
the best known business men in the
city, who are not only enterprising but
conservative as well. This is best at
tested by the following names: Henry
A. Marsh. president; William Wood
ward, cashier and Walter H. Adams.
assistant cashier, with Messrs. Samuel
r. Haywood Waldo Lincoln, Henry A..
Marsh, Charles H. Hutchins Philip w.
Moen, lockwood Hoar, George f,
Blake. Jr., and Charles M. Thayer, di-
rectors The names of the board Of
directors speak for themselves, they
need no encomiums at our hands, rep
resenting as they certainly do in their
financial worth the solidity and stabil-
ity that characterizes our careful, con-
sentative bankers.
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03
THE PEOPLES SAVINGS BANK
45e Min street.

The Peoples Savings Bank was in
corporated in 1864. 1t is one of the larg-
est patronzed and successful of the
fduciary institutions of Worcester. Its
success has been most permanent in its
character, and very fattering as to its
results. Its progress has been marked
by a management of sound executive
and financial ability resulting in pre-
senting before the general public at
the end of each year q statement that
speaks for itself, forming the most
convincing argument. An idea of the
extent Of the business transacted can
be secured from the fact that it has
17,100 depositors with deposits of $1,000 r.
S06.17. 1t has in public funds $ll3 10000
bank stock 1851 10000, railroad bonds
$.044, 24l.00 loans on real estate So, I64-
425.01, cash in banks on interest, S3l2-
| 366.0l, and loans on personal security
of $1,415, 94069, besides securities of nu-
merous kinds amounting to over half
million dollars. To many these figures
mean but little else than emphasizing
this as one of the most substantial of
our monetary institutions. In banking
circles, however, it means much more,
showing in its statement the careful
management required to stem the tides
Of financial depression of the past
years. The Peoples Savings Bank occu-
pies its own building, erected in 1868,
and which is four floors and basement,
having a white marble front. 1t is well
appointed throughout and is in every
way appropriate to the business. The
bank receives deposits of from $l.00 to
$1,000 daily, these being placed upon
interest the first day of February, May
| August and November. 4 per cent being
allowed on deposits. The bank is ably
| differed and its affairs carefully looked
after The officers of this institution,
under whose guidance and intelligent
| management it has obtained success
| and prominence in the banking circles
of the city, are as follows: Samuel r.
! Haywood, president, and Charles NJ
Bent, treasurer, the latter having held
this position since the formation of the
bank in 1864. Messrs Thomas M. Rog-
ers, Henry A. Marsh, James P. Hamil-
ton, Francis A. Cfaskill, Edwin T. Mar
BILE, are vice presidents while the fol
lowing gentlemen compose the presen'
board of trustees Harlan P. Duncan
John S. Baldwin, Horace Wyman
Theodore c. Bates, Edward f. Disco
Philip w. Moen, Matthew ]. Whittall
John C. MaCMurraY, Alexander Dewitt
Albert W. Clifford, William w. johnson
c. Henry Hutchins Charles M. Thayer
William I. Forbes, George B. Witter
George !. Alden; Frederick J. Bar
nard, clerk. Among these names win be
found some of our most prominent cit
liens, financiers, commercial and pro.
fessional men of high repute and abil.
ity.
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03
THE WORCESTER MECHANICS
SAVINGS BANK.
Central Exchange Building, 311 Main
Street.

Central Exchange building, 3l1 Main
street.
1t is a well known fact that the
United States is country of banks.
Like the seasons, however, banks come
and 60 Few there are that stand the
rigor of the panics, the stringenctes, the
failures and the difficulties constantly
arising on all sides. When, therefore,
any large institution is seen to stand
firm and mistaken through the crucial
test Of abnormal depressions, it exhibits
the keenest sagacity of those who hold
the guiding hand An illustration in
point is afforded by The Worcester
Mechanics Savings Bank, which waS
inc @porated in May, 1851. According 10
the July report it had 1852 depositors
who had on account $6,128 285.2S, the
bank having S5S0000 in railroad bonds
$195,000 cit and town bonds, 81, 346, $4,000
loans on personal securities, loans on
mortgages So, S44. 426.74, deposited in Ma
tional banks, S476,73712, bank stock
S571 613.19. and cash on hand, $67, 390.43
their undivided profits reaching the
huge total of 1927, $3.50. Controlled by
men of unquestioned integrity, this
bank has not only proved pillar of
strength in time of great financial ne
cessity and fear, but has upheld and
fostered the material interests of the
entire mercantile and manufacturing
community. Its watchwords have been
prudence and Economy prudence in
investments, economy in expenses of
handling business-and from these two
walls of strength has sprung solid
arch of prosperity and profit. Although
founded upon a rock, 1t has each
twelve months been raised above the
level of the years before, showing an
improved report. The bank occupies
handsome premises in the Central EX-
change building, the finish being all Of
mahogany, elegantly carved the floor
of tile, and the most solid and substan-
tial furnishings. All in all, this is GER
tainly a model banking institution,
having plenty of courteous employees,
thus insuring prompt attention to de-
positors. The officers are: ]. Edwin
Smith, president, "A. B. r. Sprague,
John II. Goes and George r. Merrill,
vice presidents: Messrs. Lewis G.. White,
Thomas B. Eaton, Charles A. Hill,
Francis H. Dewey, Francis W. Blacker,
Eli J. Whittemore, Charles f. Hanson,
Henry S. Pratt, Arthur p Rugg and
Charles d. Lamson, trustees; Henry
Woodward treasurer and Francis II
Dewey, clerk of corporation, having as
members Of the finance committee J.
Edwin Smith. John II. Goes, Thomas B.
Eaton, Eli ]. Whittemore and A. E.
r. Sprague, with George E. Merrill and
Thomas G. Kent auditors. All the gem
tlemen mentioned are connected with
many different enterprises throughout
the city, whose success hsa been
achieved through their personal efforts,
and they bring to the bank the same
conservative. yet progressive. manage
ment that has won success for them In
commercial and industrial spheres.
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03

The Office of superintendent of schools
In a progressive and growing city like
Worcester is one calling for the posses
sion of rare executive ability, a knOWl-
edge Of the different methods Of in
struction and their utility in general
practice. This the present incumbent
of the office Mr.. c. T. Carroll, certain
" possesses, for he is d gentleman Of
positive convictions, Of clear judgment
strong determination, good executive
ability and scholarly attachments, He
was born in Enfield, N. H, and removed
TO Sutton, N. H, attending school there
until 10 years of age, then attending
the New London Academy in his native
state, fitting himself there for college,
graduating in the class of SO, In 1877
he entered Yale University, graduating
in 1881, during the intervening nine
years before entering Yale he taught
school. Upon leaving Yale he went to
OIL City, Pa. where he was appointed
superintendent of schools, position
he held for two years, in 1889 accepting
the position of principal of the state
normal school at New Britain Conn,
remaining there for II years, resigning
10 accept his present office to which he
was elected by the school committee
in May, 1893, serving continuously since
then, giving entire satisfaction and fill
ing the Office very Creditbaly. Under
the five years Of his management, there
have been 100 new school rooms open
ed up to the children Of our people,
providing ample facilities for the pres
emit population. During Mr.. Carols
service, he has made a thorough and
comprehensive study of the methods Of
many instructors Of high standing, Sc
lecting the best points of each, and has
inaugurated many Improvements in
the methods formerly in vogue. He is
an educator or recognized ability, thor
ough and practical in all his systems,
and is a gentleman of his literary at
taiOmentS
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03

Hall I,olJr ,,,.ara,,+
tba offica oF of ~
conncI u,o 80, 49, .lt 90
296 1857 H. ,.oaai,,a "a W. - ~
tbG nThiio $1,000, f 80 80 80 l -
atir6 f1n,,, ~ -. ~ uli,o NY 60
otte9dod m -, f--li,.Ir.;4i- 60
M nv 1ooo 80
ADMITTED TO 1,,,5tIa ~ ~ -, " 10 10
900 - ~ d IHe paI 1uiie 10
bTiIt m nv ii,rS az la
Doiitio M MI =; i'lII tSg
no IN. ilSlit - q an
"a u; 80 ~ ploItO GiLaii .
~rete5 ra,.,, - ~ Se itfi L, @
fore as -l 80 lllt iil r. 'ilG pI'"1Io
eoi,,,d 80 - 10 d 1li,'lI ~
~. ~ ~ stiIu 5oou BUSINESS pm
~ 90 10 eNlusIlCeu Ny Cue SUGGESTIONS
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03
WORCESTER COUNTY INSTITU-
TON FOR SAVINGS.
13 Foster Street.

One of the sound and reliable insti-
buttons of the city of Worcester is the
Worcester County Institution for Saw
ings. Founded February s, 1928, it has
been prominent among our fiscal in
stitutions ever since. The founders Of
the bank and the men who govern its
affairs today are among the foremost
financiers in the city, whose names
have always been identified with the
progress and prosperity of the COM
munity. Under their conservative bust
ness methods it has been made a tower
of strength among the solid monetary
institutions of the city. The bank oc-
cupies a high position in financial cir
Giles, and possesses every facility of
which the modern system Of banking
has taken advantage, Offering these to
its patrons; and that its efforts are
appreciated is evidenced by the high
standing it enjoys. 1t has according to
its last report 81. $40 depositors who
have deposited the huge total oil
$14879,92l No investments are ever
made without being first thoroughly
Investigated by the board of invest
ment, composed Of Messrs. Stephen
Salisbury. George e. Francis, Edward
d. Thayer, Jr., Lyman A, Ely, and
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03
THE CITIZENS NATIONAL BANK.
state Mutual Building, sIe Main street

]
The capital invested in, and the pros
perity of the banking institutions of a
city are generally fair criterion of it's
business, and parties engaged in bust
ness in a given place would naturally
| inquire as to the stability and standing
of it's several banks. The Citizens Ma
tional Bank has always been distin-
guished for it's solidity, and its capital
has been sufficiently elastic to accom-
modate itself to the needs of the COM
mercial and industrial progress of the
section and city in which it is located.
It's affairs have been managed with
ability and fidelity, and its career,
while being one of continuous property
has conduced largely to the safety and
stability of our city's business. 1t is
one Of the oldest banks in the city,
having been Incorporated as a state
bank in 1896 and made a national bank
in 1865 So well have it's affairs been
managed and such is the confidence re-
posed in its management by the people
that the growth of business during the
last few years has been extremely
rapid, the deposits having more than
doubled in the past five years, and are
constantly increasing. In January,
1898, the bank moved to its present
quarters in the State Mutual building,
move which has proven to be of ben
eft to them, increasing the business
transacted very largely thereby. The
confidence reposed in its present officers
and directors is abundantly evidenced
by the number of its patrons and the
amount of their deposits, these amount
ing to $1036, 77223 according to their last
statement. The capital is $150,000,
while the surplus and undivided profits
aggregate nearly $73, 900. The business
transacted by the bank is such as is
generally carried on by any National
Bank, receiving accounts of corpora
lions, firms and individuals on favor
able terms, soliciting new accounts
from those desiring to open an account
with them. There are a number Of
clerks who have beep< selected with
view to their adaptability by inclina-
ton and education to the banking bust
ness. The officers are: Henry S. Pratt,
president; George A. Smith, cashier,
and F. Richardson, assistant cashier.
Mr. Smith came to this bank as a boy
in 1872 and was gradually advanced
until in 1892 he was elected cashier. He
has a thorough knowledge of the re-
quirements of his position, Is the pos
SCISSOR Of an effable manner and is un-
firing in his efforts to maintain the
prestige of the successful institution
with which he is connected. The board
of directors consist of MessrS. Henry S.
Pratt, John c. Machines, Frank E.
Haywood, Samuel e. Winslow, George
B. Buckingham and William II. Craw-
ford. men Of sound financial standing
and who possess the confidence of those
with whom they have business transact
| lions. Differed as this bank is and al
WAYS has been, it is fair to presume
that it's well earned prosperity will con-
tinue to increase as time rolls on.
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03
T. S. JOHNSON,
Clerk OF Courts.

Mr.. T. S. Johnson was elected to the
office of clerk of courts in 1882, and
has held it continuously since then.
He was born in Dana, Mass. attend
ing the common schools Of his native
town, and later the high school and
Wilbraham Academy. Deciding upon
the career of a lawyer as his future
ltfe's work, he came to Worcester in
1864, and entered the office of Dewey
& Williams as a law student He was
admitted to practice at the bar in 1856,
and Immediately began the practice Of
mis- profession in Blackstone. He soon
secured quite an extensive clientage,
and in 1867 was appointed trial justice
by Governor Bullock, holding this Of
flee until 1871, when he was appointed
to fill a vacancy in the Office of clerk
of the municipal court. also serving as
clerk of the central district court Of
Worcester In 1881 he was elected to
his present office, each term being for
five years. and he has been reelected
three times since. Mr.. Johnson has
been prominently identified with the
The Worcester spy. [volume] (Worcester, Mass.) 1898-1904, 1898-12-03
G. C. VIRGINS & CO.,
Bankers and Brokers', BOG Main str,


There is no more unerrlng reflex of the sound
business judgment of any community than
the prosperity Of those firms or companies.
whose business it is to act as commission
brokers, buying and selling stocks, bonds,
grain, cotton and provisions, and in this field
OF commercial activity there is no more repre-
sentative concern than that of q. c. Virgins
s. Co., and which was started in November.
1893, occupying offices at No. 500 Main Street,
which are finely appointed and commodious,
having been newly furnished in an elaborate
style, containing ticker, telephone and all the
latest facilities for conducting an up-to-date
establishment OF this character, the New York
Correspondent being Lewis A. FIay & Co., who
are members OF the New York Consolidated and
New York Produce Exchanges, also having ex-
ira superior facilities with the Chicago Board
of Trade. No concern in the city possesses
better facilities for executing orders for custo-
mers, their connections with the different ex-
changes being OF the highest standing. This
concern acts as commission brokers for stocks,
bonds grain, cotton, provisions and other
investment securities, furnishing service of
the best character. rir. Virgins who Is the
proprietor, came recently from New York and
is an ackn owledged authority on all matters
pertaining to investment securities, and since
opening his present office has gradually ex-
tended the field Of operations steadily winning
favor and recognition from those having mo-
ney t invest. mr. Virgins is ably assisted
BY 1r.EA. r. Leuth, who has had wide expe-
rienee of many years In this line. So the
patronage and success of this house has been
secured by strict attention to business and the
policy of furnishing patrons the best service Il
Is possible to render. Personally MIR. Virgins
is progressive man, who has made many
friends since locating In this CITY. the cas-
tinued prosperity Of his concern beinS alra6s
assured