The Birmingham age-herald., 1918-05-12
VITAL TOPICS ARE DISCUSSED AT THE
 CLOSING SESSION
 OF STATE BANKERS
Continued from Page Five)

National Farm Loan aSSociatio an ad- junct of the loan bank, which sum. with another 5 per cent deposited, makes a reserve of 10 per cent of the total loaned to cover any possible losses. Upon a farmer making application for loan his land is appraised by local committee, the report forwarded to the bank, and appraised by another committee. and then loan of not to exceed 50 per cent of the land value is made provided the title is approved by the examining at torney.
 run for twenty years, but may be taken up at the end of five years if the bor- rower wishes. He said the land notes taken by the farm loan banks were the safest investment in the world, as they
 are based on security that cannot perish MORE COOPERATION The bankers have accomplished much in Liberty Loans. Red Cross and other
 government activities, but all that has been done in that respect amounts to
 nothing in these fearsome times. when
 murder, rapine and arson encircle the
 world unless they cooperate and co-or-
 dinate with the government in increased
 production and conservation. He said
 the farmer. as well as the man of com
 merce, must be drawn to the banker; CO., ordination of banking, industries and
 production is essential to the winning of
 the war and to make America the great
 est world power The coordination can
 be accomplished only through the bank
 CTS interest in and helpfulness to the
 farmer.
 AGRICULTURAL COMMISSION The work of the agricultural com mission of the American olnkers as- sociation was explained by Joseph Hirsch of Corpus Christi. Tex, its chairman The commission was created six years ago and now covers every state in the union It consists of seven members, each having Jurisdiction over seven states. MT. Hirsch having Ala bama, Mississippi, Louisiana. Texas, Ar kansas, Arizona and California Tn his district.
 In creating this commission the American Bankers association had Tor its object. according to MT. Hirsch, the betterment of farming conditions nm provement of live stock and farm prod ucts, better marketing facilities the introduction of new methods of farm ing and the introduction of better horses. cattle and swine. The commis- sion, he said, has co-operated With the agricultural colleges of the dinerent states, aided in experimentation, ana
 aided in taking the lessons Of ad : VanCeQ farming 10 tHe laTHhct HIS home in the country.
 He suggested as the best method for performing the work of live stock de- veropment the creation of committee | of seven members. each with supervis- ion over 10 counties, with county committee for each county presided over by chairman appointed by the bankers to advise and cooperate with the farmers. Wherever this has been done, he said. the results have been good.
 PRODUCTION OF FOOD Richard M Hobbie. national food ad- ministrator for Alabama. urged the production of more food in the state. Soldiers without food cannot fight, he
 said, and if the soldier knows that his
 wife or children back home are with
 out food he cannot fight The women of France heroically went into the fields
 and factories to make the things their soldiers needed. but they could not pro- duce enough. and France called upon America for food.
 He urged the people to eat moro of the perishables in order that our sol deirs and the soldiers of our allies in France may have sufficjent wheat and meat to keep them in lighting condi- tion. He said that foodstuffs should be handled at pre-war profits only; that there should be no attempt to take