The Montgomery advertiser., 1903-05-24

three marks, or twenty-five, fifty ant seventy-fve cents. The interest charged was two pfennigs for each mark. or one half cent for each twenty-five cents, per month.
 The City Savings Bank.
 This pawnshop was established seven weight years ago. and since then it has loaned out millions. Its loans increase during hard times and decrease when the times are good. The. institution IS worked for the benefit of the people The interest is kept down to the lowest rate and the articles are so valued that prac- ticaIly nothing is lost. The most of the articles are redeemed. less than 10 per cent being left for sale at auction
 The auction was going on in another room during my stay. and went Tn to watch it.. The room was nlled with Dio- ders. and the auctioneer knocked the goods off without delay. l noticed that they sold for little bit more than tneir valuation A clock which was marked $2.5O sold for $s. and other things in propor- ton.
 The pawnbroking shop is connected with the City Savings Bank which has deposits amounting to about N7,oo0,0OO. and new deposits of something like $S0OO,0Oo a year If nays about 3 per cent interest, and loans it's money out for 34 per cent and inward. the pawnbroking branch paying 31s per cent
 The bank Is not run to make money hut in the interests of the people. It has now about 1S0, coo depositors and of these more than 10000 have deposits of less than S15, 2s0OO have between $15 and $S6. and only 35, 900 more than $142.
 Much of the depositing Is done by means of stamps. A man can buy a stamp for 10 pfennigs. or less than 2h cents. and deposit this in the penny sav- inss bank. Such stamps are saved until they amount to a mark or more when they are deposited. There are stamp or fees all over the city. and one can put away his small change into the saVlngs hank almost as easily as into the beer saloons.
 German Savings Banks.
 such savings banks are to be found in oaarIv all the cities of Germany. That of Berlin has about 100 different branches' tts depositors number more than halI million. Hn3f the deposits are aoout >oV,- m O00 Dresden has almost hall as mucn In her savings bank, and there are number of other German citles "hlch have as much as $20 00O,OO0 each'
 Ia addItion to these city banks there .ra nrivate savings banks, which are tn . certain extent under the supervision of tba government. In these the deposits ors limited by law to 5000 marks, and .ho interest rate Is fixed annually Dy the paard of Directors. It is usually low aho,t 2 per cent. In these banks $4O can ha checked out on any one day, but noorth,s notice must be given for the .,thdrawal of more than that sum up to ooo marks, and six months notice for larger sums.
 The German Mails Help the Farmers.
 have written of the modern postal .erv,ce of Switzerland and France. That oY Germany is equally good The GOV orrment here works for the people and haIpa them do their business. The post ofice department forwards all kinds or exnress. including farm produce ana roerchandise' There are regular Wagors For such work I see them at the sta t1ons piled high with crates and baskets. When I came into the big depot at Leip- .,a yesterday I heard hen cackling and q duck auacking By. and by a rooster crowed. and 1 looked about for farm yard in the heart of this city of half million people. I found 1t on the top of the mail wagons each of which was driven by a postman In uniform. The wagons were loaded with crates of ducks. chickens and other fowls. One hox contained two white pigeons and an- other a dozen big turkeys. There were hostage stamps on the back of the boxes. and I was told that they had been sent In from the country through the post at ao much per pound. took photograph of the wagons their helmeted drivers laughing as I did so.
 The German states. with the exception