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 UVufon rood* 
 
 45iHl(J
 
 SECOND ANNIVERSARY VCRSES. 
 
 [Read at the Birtliday Celebration of IIa]ii)\- liarrinuin, in 
 the \V. C. r. U. Temple, Friday cveninii^, Feb. 26, 1S92.J 
 
 Two years ! do they doubt it, who visit us here ? 
 Does it seem as if time had stood still witli each year? 
 Has a Joshua bidden tlie sun on its way 
 Here to linger, and leave us one marvelous day 
 With creation's own magic each moment to (ill. 
 And the gift of creation each finger to thrill, 
 Until into some week full of wonder was wrought 
 Human hope, human faith, with Divinity's thought ? 
 
 Be it so I From the morn beyond Emory's Heights, 
 To the evening, that glowed with her goUlen delights 
 Through the Gap in the west, what a day was our own 
 When our Joshua willed it ! Sure never was known 
 Better service for men, of obedient sun ! 
 Look about you, and see wliat creation has done 
 Where the hands of the willing, the hearts of the true. 
 At the breast of the Old have been nursing the New I 
 
 Here are homes where but yesterday nothing was built 
 Save the nests of the birds, on the branches atilt 
 Singing matins or vespers ; and here on the slopes 
 There are altars erected, around which the hoi)es 
 Of glad households are gatliered ; here cliurches ujjraise 
 To the blue sky above us their elo<|uent praise ; 
 And the work of creation goes on with a will, 
 As with hope and with faith marry courage and skill. 
 4
 
 Ky till- jjIcMin of our forjjc-s arc muscles of steel 
 
 Beating iron to gold ; the great steam hammers deal 
 
 Their unwearying blows on the masses below, 
 
 Till in beauty transformed, as in value, they glow ; 
 
 From our furnaces molten the liquid flames run. 
 
 As if here Tubal Cain his profession begun ; 
 
 In the mills and tin- factories l-al>or's delij^ht 
 
 Is with muscle and br:iin to make gl<>ry of might ! 
 
 Is it only two years? or is time but a cheat. 
 
 And are we here assembled to help his deceit ? 
 
 Do we DREAM tiiat so late we were bohl pioneers 
 
 Wiiere a city thus active, progressive appears? 
 
 Krom the corn-fields that blazoned their blades in the sun. 
 
 Have our faith and our works a great victory won? 
 
 Is it true that our liomes in their beauty have sprung 
 
 From the forest that sheltered the birds while they sung? 
 
 Be your answer to-night "It is true! It is true ! 
 
 At the breast of the OKI we have nourished the New ! 
 
 From till- Fast and the West and the North we have come 
 
 To be rid of the wreck and the ruin of rum ; 
 
 Where the Fmory sings on its way to the sea 
 
 We iiave come from its curses our children to free ; 
 
 Hy the hojie of our hearts, and the help of our hands, 
 
 In its beauty and strength lla]>py Ilarriman stands, 
 
 A surprise, a deiii^ht. i\\ the fairest of lands'. " 

 
 GENERAL CLINTON B. FISK.
 
 
 HARRIMAN. 
 
 ITS HISTORY AND TOPOGRAPHY. 
 
 PioNKKKs' Day, February 26, 1892, — the Second Anniversary 
 of Ilarrinian ! A fit occasion, indeed, for putting to press 
 tliis |)aini)hlct which tells, with all the exactness of photog- 
 raphy, what things have been ch)ne, in the short space of 
 two years, where before that were only the cornfields and 
 timber of an old jdantation. 
 
 Twenty-four months of active effort, — less than that, to 
 be jirecise, so far as permanent building at Harriman has 
 gone. When the Great .""'ale occurretl, which publicly in- 
 augurated the town, building conditions were temporary, 
 on the Hat land near that old farm-house of Col. R. K. Hyrd 
 which formed the nucleus. Scores of "shacks" went up 
 there like magic, in the rain and mud, just before the sale 
 opened, and scores more followed through the spring and 
 summer succeeding, until "Shacktown" numbered over a 
 thousanil souls. Then in September it was abandoned for 
 the higher ground near by. where snug homes ami more 
 costly business blocks had been taking shajic, though these 
 <Iid not actively jirogress, to anv consiilerable extent, until 
 two or three months after tlie sale. 
 
 7
 
 
 V 
 
 1
 
 The three days of that sale will he f«)rever meiiKirable 
 among Harrinian pioneers, antl on the records of lot selling" 
 wherever kept. Less than 600 lots for over $600,000 — whO' 
 would believe it? Three thousand men. from fifteen States, 
 wild to get lots at any price, liundreils of them having 
 waited their chance for days, in mud and rain ami misery, 
 — who would credit such eagerness.'' What caused it.' By 
 what persuasive art had they been allured from the estab- 
 lished cities and towns of Tennessee, Kentucky, Ohio, and 
 a dozen other States, and imbued with a sublime faith in 
 their fellows, in the new town site where lots were offered, 
 in the city that here should rise? 
 
 ITS LOCATION. 
 
 At Big Kmory (iap. in Roane County, Tennessee, where 
 the Kmory river breaks its way through Walden's Kiilgc, 
 after its ra]»id descent from the Cumberland Plateau, it was^ 
 ordained by nature that a town should be. Col. Byrd, who 
 here held large ownership of land, always thus insisted, 
 and died firm in such faith. ik-re. with coal close at hand 
 on the west an<l on the north. an<l with iron near by on the 
 cast and within ten miles to the south, there was every 
 essential condition for the establishment of a city with the 
 purest water supi>ly, the best natural ilrainage, picturcsijue 
 surroundings, admirable climate. And here the Kast Tenn- 
 essee I. and Com|>any locatnl liarriman. within a crescent 
 formed by the Kmory river, between the Cincinnati St)uthern 
 Railway on the west and the Walden's Ridge division of the 
 East Tennessee, \'irgiiiia aiul ( ieorgia Railway on the north: 
 fifty miles west of Kno.xville. via this latter line; eighty 
 miles north of Chattanooga, and 255 miles south of Cin- 
 ciimati. via the Cincinnati Southern Railway. 
 
 In this favored s|>ot. in a State largely defended from 
 saloon influences by the Kour-mile Kaw. certain well-known
 
 advocates of IVohibition had resolved on creating an in- 
 dustrial town, where lahor should have its own. where 
 h«»ines and churches and schools niitcht tind their hijjhest 
 chance, free from the li(|uor trallic. Chief among these men 
 determineil on combining a great moral and economic 
 principle with an extensive commercial enterprise, for its 
 clear denionstration and for the best industrial results, was 
 General (.linton U. Kisk, who had been the I*rohil»ition can- 
 didate ft)r President in 18SK. and whose military service in 
 Tennessee, as Freedmen's C'ommissit)ner in command of the 
 entire State at the close of the war. had given him a strong 
 hold upon its people, ami a high opini<»n of its advantages 
 
 and its future. 
 
 ITS NO-SALOON BASIS. 
 
 With Ids colleagues (k-neral Kisk agreed that Kast Tenn- 
 essee offereil favorable conditions for town building, of the 
 sort in which they believed: that from all the wide acreage 
 they had accpiireil within it the litpior trafHc should be 
 banned forever, by provision of title deed ; and that the city 
 they should establish must become an object lcss«>n for 
 thrift, sobriety, superior intelligence, and exalted moral 
 character. In the C'ompanys by-laws, adopted by them. 
 Section 1 of .\rticle IXdeclareti: 
 
 Kvery contract, deed or other conveyance or lease oi real 
 estate by the Company, shall contain a provisi«)n forbidding 
 the use of the pro|)city, or any building thereon, for the 
 j)urpose of nu'iking. storing or selling into.xicating beverages 
 as such. 
 
 Hesides its enormous purchases of c«ial and agricultural 
 lan«ls upon the Cumberlan«l IMateau. ami of iron properties 
 down the Tennessee river, the Kast Tennessee I.aml Com- 
 pany had secureil over 10.000 acres of b<itton^ and ridge 
 lamls at and east of Kinory (Jap; and a p«»rtion of the town 
 siti- aiTiirdi-dbv tlu-M- xtaKcd <»iit 011 ('liri>tina> l>av. I>^>>u.
 
 was surveyed and mapped in February, 1890. Some street 
 improvements were lieL,''ini, a tew rouj^h l)oard huildinofs 
 were put uj), and on the 26th day of thai inontli, in tliat 
 year, Harriman was formally inaui^uraU'd \>y a public 
 auction sale of lots, which CDntiuued a portion of two days 
 thereafter. 
 
 ITS OPENING SALE. 
 
 The weather had been execrable, for it was "the rainy 
 season," with more storms than customary; the accommo- 
 dations were worse ; but the crowd came, nothinji^ could 
 dampen its ardor, and 574 lots were sold for $604,000. The 
 Company did not seek any such "boom," and sturdily 
 opposed it, both before and after the biddinj^ bey^an. The 
 auctioneer was literally compelled by the Company's manage- 
 ment to knock down lots to the lowest bidder in many cases. 
 But faith in the Company's character, and confidence in the 
 location of the town, createil enthusiasm vmmatched at any 
 jniblic sale till this, and indicative of the svn-])risinj^^ t^n-owth 
 which was to follow. At the recpiest of a committee of 
 buyers, before the sale opened, the Company waived all 
 buildini^ and other conditions, and conse(iuently willxlrew 
 all specific jiledges. "We are going to build Harriman," 
 said Gen. Fisk, the Company's President. He was giving 
 his best thought and effort to this end, when in the July 
 following he died. 
 
 On the 7th of February, 1891, Harriman was incor])orated 
 as a city, by special enactment of the State Legislature, 
 approved by the Governor March 6th, ensuing. Having 
 adopted their special charter, by an almost unanimous 
 popular vote, on the 2d of June thereafter the City Gov- 
 ernment was chosen by the citizens at a special election 
 where 736 votes were cast, twelve of them by ladies, as- 
 serting their right of suffrage under a general State law,
 
 w'liich c'\ crylxxly outsitk- of IlarriiiKui ha<l lorj^otten, and 
 because of a special condition wliicli tlie charter contains. 
 
 The census of iSyo credited llarrinian with 719 popu- 
 lation. In December. i8yi, the lirst city directory was 
 compiled, and its compiler took a house-to-house enumera- 
 tion which showed 3,672 residents, not countinj:^ the miners' 
 tamilies opposite. .\t this date the residi-nts iniinli.T not 
 less than 4,000. 
 
 ITS APPEARANCE FROM POINTS AROUND. 
 
 It is im|)ossil)le on this page to slu>w the city ^ite as it 
 appeared two years ai^o. The net^ative of the only photo- 
 graph then taken of it has been destroyed ; and the engrav- 
 ing reproduced from the negative, with other valuable illus- 
 trations referring to Ilarriman's lirst year, went to ruin in 
 the Park Place disaster at Xew York last fall. It was a 
 good view of the town site, as the pamphlet "One Year of 
 Harriman" attested, showing a ]iart of the great bend in 
 the Emory River sweeping half way around it, and outlin- 
 ing as a background the pictures(|ue Emory Heights bevond. 
 It was a view from Walden's Ridge below Emory Gap. and 
 above the Hyrd coal mine ; a \ iew tVoni the same direction 
 (west), and from the same point, as that which follows, but 
 from a higher uplift, and with the camera set for a wider 
 held. In the picture now shown there are preserve«l a few 
 long ••shacks" in the center foreground, near which, on 
 their right, stands the Hyrd mansion, utilized as the office of 
 the East Tennessei- Land Comiiany the lirst si.x months, — a 
 S(]uare, respectable jilantation house of the okl regime, 
 occu|)ied forty years by Col. Hyrd ; from which he was 
 buried in 18S5, and where his widow remained until the 
 East Tennessee Land Company purchaseil her lands, then 
 removing to Kingston, from which place she has ne\ er re- 
 turned to behold the translorniation. 
 
 "3
 
 Half .1 mile t<> the left, as you look at the Byrd mansion 
 in the eni^ravinLj now spoken of. ami out of the ranjje of 
 view, stantls an apoloj^v tor another farm-house, or the 
 relic of another — the old .Marj^rave place. It is reputed to 
 be more than eii^hty years old. It was the lirst residence of 
 which we have knowledi^e on the site of Harriman — a log 
 house orii^nnallv. as one end of the structure shows, with 
 one portion of it more pretentious at some later timj. ami 
 
 THE OLD BYRD MANSION. 
 
 between its two parts a huj^^e chimney, before whose fire- 
 place of unconunon breadth local trailition says that Cien. 
 Jackson sat many times when journeyint^ with his coach- 
 and-four from the 1 lermitai^^e to W'ashinijton. XN'itliin its 
 walls a ( lovernor was born, tradition t'urther says; and at
 
 
 the birth of Harrinian. as more 
 autlientic statements as^rce, fif- 
 C^jJl t^cn men found sleep and slicl- 
 ''' ter in its h)W attic cliamhcr 
 
 alone, through the m'g-hts of the great sale. Our engra\ing 
 faithfully portrays its forlorn state of age and disrepair. It 
 now awaits inevitable dissolution, on Margrave street — one 
 of the tinest avenues Harriman can boast — hidden, except 
 on near approach, by several of the best houses thus far 
 built, consjiicuous among them being the liandsome old- 
 colonial residence of Mr. Walter C. Harriman. So long as 
 the Margrave relic is preserved, the old and the new, on 
 Margrave street, are in striking contrast. 
 
 From a point on the lower slojie of Walden's Ridge, 
 northeast of Emory Gaj). and back of the old Margrave 
 
 16
 
 RESIDENCE OF WALTER C. HARRIMAN, MARGRAVE STREET. 
 
 place, was olitaincd the view reprotlucccl on the followinjc 
 pai^'^e. From it a fair impression is ileriveil of one side of 
 the town only, for four distinct views are necessarv to jjive 
 a correct idea of the whole. I'his view is lookini; almost 
 due southeast, and clearly traces Queen and W'alden streets, 
 which, like Crescent. \'ir,i,'inia, (Jeorg^ia and Tennessee 
 streets, on the east, or left, and Mor<.,'an and Carter on the 
 rii^ht, make directly toward tiie river, this side the heights 
 that l)«)und the near horizon. Before they reach the Kinory. 
 the streets u]» which you look surmount a riilge that lifts 
 longitudinally across the town, as to its original platted 
 l)ortion, rising to a height of ])erhaps loo feet above the river 
 banks, and swee]>ing gracefully down on either hand. 
 
 SOMK CONSPICUOUS FKATURES BEHELD. 
 Crowning this uplift, along the crest of which runs Cum- 
 berland street, at right angles with Queen ami Walden 
 streets up which you have been looking, is the beautiful 
 
 '7
 
 ^"m^ 
 
 
 '^ 
 
 THE CENTRAL SCHOOL BUILDING.
 
 Fisk Turk, heavily timbered, as was the entire ridge before 
 these streets ran throuR^h. Facinj^^ it. on Cumberland, stands 
 the Universalist Churcli. now ncarinj^ completion, and thus 
 far the most costly ami clfi^'uiit church edifice erected — 
 thanks to the liberality ol' Kcnlinand Schumacher (whose 
 great (jatmcal mills at Akron, <).. have given iVirtune to him- 
 self and <^(»t»d health to his j>atrons) and the active effort of 
 young peoples societies in the Universalist denomination 
 throughout many States. As completed, it is to be a unitpie 
 specimen of temple architecture, with combination front of 
 brick and wood ; lari^e catheilral win<lows of stained glass, 
 in rich tlesigns ; all the interior comf«)rts of a church home, 
 and commanding from its low tower a prospect of remark- 
 able beauty and breadth. This tower will be a favorite 
 outlook of visitors who lack time for a ritle on to Waldens 
 Ridge, u|) which, from Margrave street, a winding carriage 
 drive is nearly tlnished. and along which the views are 
 magniticent bfvond words, with liappv Il:irrini;in aluavs at 
 your feet. 
 
 After the church menli«)ncd, the mo^l cons|)icuous buiKl- 
 ing upon the ridge which it crowns is the Central School, 
 erecteil and furnished by the Land Company at a cost of 
 $6,000, antl openeil with a full corps of teachers, under a 
 carefully graded system, in September, 1890. This school, 
 and an <»utlying auxiliary to it, were maintained by the 
 Land Company at its o'vn expense throughout the first 
 school year ; and as the city can have no t'unds available 
 from taxation, for school purposes, until next fall, the Com- 
 pany is generously ilefraying the entire cost of the school 
 system throughout this secon«l school year also, there being 
 eleven teaclurs employed, with IVof. W. I). McKarland as 
 Principal. 
 
 TocompKt' -■•■Nation of Il.-irrim.-m. from the com- 
 
 31
 
 niaiidiiig' (.'UiiiKMiccs rouiitl iibout. ami to forni an accurate 
 idea of its topography and cm iioiinu-nt, one shoukl cross 
 the Emory, and view the town site from the south, h)oking 
 
 toward W'alden's 
 \i<1l;c u])()n the west 
 and north. Crossing 
 is made by either of 
 iwo ferries, the one 
 ;it the Rolling Mill. 
 Ill- the Ih'rd Ferr\', a 
 
 mile al)t)ve. The 
 
 town side approae'^ 
 
 to the latter is ne : 
 
 the Byrd mansio 
 
 and in the summer i-^ 
 
 a romantic spot, canopietl hy overhanging boughs wliich 
 bend across the roadway, and partially walled in by the ex- 
 posed roots of gnarled and rugged trees. An artist here would 
 revel in the effects of water and wood, of light and shade 
 
 22
 
 and color wluch abouiul, and wliich range the whole kaleid- 
 oscopic variety of the seasons. ( )ur cnj^ravin^^ hints of these, 
 and of the lloral hcauties ami woodlantl pleasures which 
 may l)c ft)inid aioni,'- I'.niory Ilcij^hts when spring ap- 
 pears. 
 
 ACROSS THK RIVER. 
 
 A nuissive |»ilc of rock uprears itself close to the river's 
 brink about midway of the wide crescent which the heights 
 describe, and offers lofty outlook. It is easily reached on 
 horseback, and trom its dome a fascinating panorama is per- 
 scnted of the rolling city site, of its hundreds of tasteful 
 homes, ofthegreen river's current below, and of the encircling 
 ridge opposite, which folils the valley in like an arm with 
 the elbow gone. Where was the elbow once, the (Jap now is, 
 a picturesipie break in a beautiful mountain chain. Looking 
 down stream to the right, one sees the Rolling Mills, smaller 
 in appearance than would be supposed, because so far below, 
 and catches glimpses through their clouds of smoke of Wal- 
 ni;t Hills addition farther on in the same direct line ; turning 
 to the left. «»ne's upwanl sweej) of vision takes in a part 
 of the towns manufacturing portion, with its Belt Line Kail- 
 way and l".mory street, which parallel the river, and ling- 
 ers finally ujxui the distant ridge, south of the Clap, where sky 
 and moiintains meet. 
 
 EXTENT OF THK TOWN SITK. 
 The first platted portion of Ilarriman contained about 343 
 acres, not counting in a wide area next the river, reserved 
 for railway, factory and other purposes, lying entirely within 
 the river's upper bend. In May, 1890, an addition was plat- 
 ted one mile east, for the special accomm«»tlation of work- 
 ingmen who could not afford such prices as had been for a 
 time establishetl by the auction sale, and one hundred neat 
 houses were there built ami occupied that year. It is known
 
 as Walnut Hills Addition, and forms a thriving suburb of the 
 city proper, of which it is a corporate part. It has a school 
 and a church, and numbers over 600 population. Oak ^'iew 
 Addition joins it, nearer the ridge, where colored residents 
 have grouped themselves, with their own churches and 
 schools ; and approaching this, from the west, comes Riilge 
 View Addition, platted last fall, along the lower slopes of Wal- 
 den's Ridge for nearly a mile beginning at the Gap, upon which 
 are many of the finest villa sites the whole town allords. 
 
 Fisk Addition, now being platted by the Land Company as 
 this pamphlet goes to press, lies within the lower bend of the 
 Emory, or what is called the second Oxbow, and below Wal- 
 nut Hills. It is even more beautiful for situation than the 
 part of Harriman first platted, and it will sot)n have, no 
 doubt, all the facilities which there in so short a time have 
 been established. The Belt Line Railway is being extended to 
 it, and some of the best new industries, including the blast 
 furnace and a large furniture factory, will be located there. 
 From various parts of it the views are magnificent in all di- 
 rections, but particularly up Little Emory Gap to the Little 
 Brushy and the Big Brushy mountains, lifting their summits 
 royally far beyond. 
 
 Long before Harriman has the 50,000 ]ieople which are an- 
 ticipated, these two portions of the town will have grown 
 together, with a blast furnace and other internicdiate indus- 
 tries linking them like the ligature of the Siamese Twins. 
 The two oxbows of the Emory are twins indeed, and the 
 several thousand acres of level and rolling lands which they 
 comprise will furnish room for a half million inhabitants 
 without crowding. And along their water frontage, beside 
 the Belt Line also, can inilustries enough be planted to su])- 
 port them all. Thus far the portions of Harriman actually 
 platted do not exceed 1,600 acres. 
 
 26
 
 iCEN'RY NtAH HAFIHIMAN. UP CLIFTY CREEK.
 
 In iluc time the central thnroui^hfare of Harrinian will be 
 Roane street, a view down which is herewith slu)wn — Roane 
 street, until near Walnut Hills Addition, then Roane ave- 
 nue on to Fisk Adtlition. This thoroui^hfarc, commenc- 
 ing at the western etli^e of town, will apjiroximate three 
 miles in lensfth : and with I'.morv street w indin;/ arounil on 
 
 WALNUT HILLS ADDITION— FROM THE WEST. 
 
 the south, and .Margrave and .^cxicr streets sweejiini;- par- 
 tially around upon the north, it will furnish a splemlid drive, 
 surpassed only by that magnificent boulevard soon to line 
 the crest of Walden's Ridge, or the jark-like roadways that 
 will one day wind along Emory Heights. The extension of 
 Roane avenue is now being made ] ast Walnut Hills. 
 
 28
 
 
 
 . r- - 
 
 
 
 
 ^^^^^L 
 
 
 ^^pRHp 
 
 » 
 
 
 t 
 
 r •■ 
 > ■ 
 
 
 S 
 
 A. W. WAGNALLS.
 
 ITS HOMES AND HELPS. 
 
 CHARACTER AND RESIDENCES. 
 
 Kroiii its roally ])erniancnt bes^imuni;. the Immcs ot Harri- 
 man have I>clmi characterizeil l>y unusual comfort, good 
 taste and evident lixity «)f home life. They betoken a com- 
 munity of superior refinement and of ahidini^ (juality. They 
 show that their builders came here to live and not merely 
 to stay awhile. I'.very visitor comments upon their evidence 
 of a ]H'Culiar hnme-huiUin}^ spirit, which guarantees the 
 future. It lias been said that there are more residences in 
 Ilarriman costing from S3.000 to $10,000 each than any 
 other town of its age and size has ever shown. It is im- 
 possible for us to portrav even one in ten of the houses that 
 have been erected which are uncommon for their archi- 
 tectural beauty, as well as their cost, in cities of small size, 
 and which havt- never been matched, perhaps, in any town 
 oidy two years ohl. Several of the early residences were 
 ilhistratetl in oiir first anniversarv jiamphlet, and cnrniot be 
 reproducetl here. 
 
 The old-colonial style house ot Mr. W alter ^ . ii,i;riinan 
 (in mem«)ry of wh«)se father, deneral Walter Harriman. the
 
 town was named) has been shown on a former ])a!^c. ( )ne 
 of the accom]ianyin5j; interior views will show the tire-])lace 
 in the hall of it, whieh nii<^ht well l«e contrasted with the 
 fire-place in the old Marij:rave hovise near hy. (Jther hand- 
 some houses arc ncarinj^ completion on the same street, and 
 mark that portion of the town as a favorite jilace of resi- 
 
 HALLWAY, RESIDENCE OF W. C. HARRIMAN. 
 
 dcnce. One year aj^^o .Mary^rave street existed only on ])aper. 
 In one year more it will be a delightful avenue of charming' 
 homes. 
 
 Cuml)crland street, as has been stated, tra\'erses the crest
 
 FREDERICK GATES.
 
 HALLWAY, RESIDENCE OF FREDERICK GATES. 
 
 of the high ridge which runs across the town, and u])on 
 this street are many residences of an ex'celient ckiss, a row 
 of which are shown on the o]>])osite page. At the eastern 
 end of this street where the ridge sh)pes down soniewliat 
 abruptly toward the river, and where the street itself iner- 
 sects Emory street, which half encircles the town, stands 
 the elegant home of 'Sir. Frederick Crates, in whose hrain 
 Harriman was conceived. Mr. Gates is the Second Vice- 
 President of the Kast Teimessee Land Company, and the 
 President of the Cumberland Plateau Improvement Com- 
 pany, recently organized as au.viliary thereto, and his home 
 commands a splendid jirosjiect of the city, or large ]iortions 
 of it. which he and his colleagues have established. Its 
 location was known in tlu- rarl\- (la\-s of Harriman as 
 "Cornstalk Heights." l-'rom the broad verandas of the 
 house a gootl view of the binding river is had; of Walnut 
 Hills, the pretty sulnirb on the northeast: and of W'aldens 
 Riilge and F.mory Caji on the north and west. 'J"he hall of
 
 
 INTf RI0R5, RESIDENCE OF W. B. WINSLOW. 
 
 451 HI r»
 
 PARLOR, IN RESIDENCE OF W. B. WINSLOW. 
 
 
 ■y^^lNafe^C^^^a^l^/ J 
 
 RESIDENCE OF S. K. PAIGE.
 
 this residence is one of its most noticealtle features within. 
 Upon the same street, only two l)U)cks away, is the home 
 of Mr. W. i;. W'inslow, of the well-known firm of Winslow 
 &. Anderson, the externals of which, as in so many cases of 
 which Ilarriman can boast, indicate a refinement of taste, 
 and a ])ermanence of location, very marked indeed. Insitle 
 this residence such refinement further asserts itself, and in 
 the elej^aut furnishinj^ and in the general appearance of 
 
 RESIDENCE OF JUDot C W. NOTllNCHAM. 
 
 culture and comfort happily comhinetl. so admirably shown 
 in the extpiisite en}^Ta\ ini^s we give. Still another Cumber- 
 land street honu-. not \et (|uite linished, an«l awaiting occu- 
 pancy, is tile residence of Mr. .^. K. Paii^^e, President of the 
 Paige Manufacturing Company, which vies with that of Mr. 
 Gates, at the opposite enil of the street, in costliness and 
 architectural design. l*"rom this, as from all the residence 
 sites in that part of town, a magnificent view of i'.mory Ciap 
 
 .>9
 
 '??r'ir:^ 
 
 RESIDENCE OF DAVID GIBSON, WALDEN STREET.
 
 is lunl, with much of the town sprcati out hL'h)W you upon 
 the lower shapes. 
 
 The resilience (j1 Mr. W. 11. Russell, General .Mana-ei d 
 the Kast Tennessee Land Com) any. is on this street, and is 
 one of the block of houses shown on a former page. This 
 was, perhai)s. the tirst h«Kise erected on the street. Of its 
 hos|)itality niany visitors to Ilarriman can attest. 
 
 The home of C. \V. Nottini;ham^,Ksq., City Judge, is oi 
 Clinton street, which for a larj.,'e part of its lenj^th is now 
 well huilt up in tasteful fashion, its liaises showing a wide 
 degree of variety in style, and all commanding a tine outlook. 
 
 Mr. David Gibson, of the (Jih.son Agricultural Works, is 
 just com|)letinga house on Walden . Street, with uni<pie front, 
 ami ot general design very pleasing. 
 
 A 
 
 TYUCAL COTTAGES OF AHTlSANJj. 
 
 hven the homes of the cheapest class, such a> abound in 
 the manufacturing district, w\)o\\ Clifty, Sewanee, Carter, 
 Emory, and other streets, are noteworthy for their neatness, 
 
 41
 
 and their g-eneral averag^e as above homes of a simihir class 
 in other manufacturing- places. We give an illustration of 
 two houses typical of the rest, though hundreds are superior 
 to these in size and cost. 
 
 LEADING TRIBUTARY CORPORATIONS. 
 The helps of llarrimau arc numerous and worthv of 
 special attention. Fitly classed with these, and from a 
 material standpoint ranking at the head, is the East Tenn- 
 
 
 ^illlllllllliul 
 
 \ 
 
 THE DENNY AND BURR BLOCK, CORNER ROANE AND CRESCENT STREET. 
 
 essee Land Company, which inaugurated the town. It was 
 organized in June, 1889, by General Clinton B. Fisk and a 
 number of other gentlemen of wide reputation, either as 
 reformers or in the business world. Its plans for Harriman 
 were very broad, and its achievements have been very great. 
 It is perhaps the only company engaged in a great South- 
 
 42

 
 ern enterprise w hieli weathereil tlie liuancial oondilioiis of 
 1S91, and ke]it its alfairs nioviuii: steadily forwartl. Its ex- 
 penditures in Harrinian for street improvements, for railway 
 facilities, for industries, and otherwise for the lienetit of the 
 place, have been enormous. With an authorized ea])ital of 
 5^^.000,000. it sold <2.ooo.oro of its capital stock at par. and 
 
 EXPOSITION BUILDING. 
 
 then issued bonds in place of selliiii^- the third million to that 
 amount- Its President is A. W. Waj^^nalls, of the well- 
 known ])ublishin!^ tirm of Funk A: Wag^nalls, New ^'ork City. 
 Subsidiary to the East Tennessee Land Conipanw as a 
 permanent hel]i to Ilarriman. is the l-'.ast Tennessee Mining 
 
 44
 
 ^. 
 
 \ 
 
 
 
 J^-.-. 
 
 ^'m:\ 
 
 
 (? 
 
 .c 
 
 
 i 
 
 g 
 
 4 
 
 \v 
 
 ^■N^ 
 
 \
 
 SMITH & LAKE BLOCK, CORNER ROANE AND CRESCENT- 
 
 Company, organized in Scplcnibcr, iSyi, to whicli were 
 leased all the coal ami iron jirojierties of the Land Conijmny 
 in the neighborhood of llarrinian, and \>y which will its 
 raw material, in coal, coke and iron ore, be supplied. Its 
 authorized cai)ital stock is Si,(joo,ooo. It is ojierating the 
 Tennessee Ri\er Iron Mines, about ten miles from Ilarri- 
 man. of which there are three, yielding a monthly out])ut 
 of several thousaiul tons: a mine just ojiened within the 
 
 46
 
 W. H. RUSSELL
 
 city s limits, tVoiii which ore is suppliid ti> the Loolcout 
 Rolling Mills; ami the Hyrd Coal Mine, antl the coke ovens 
 in connection therewith. tVoin which llarrinian has drawn 
 most of her fuel uj) to this lime. A second coal mine has 
 been just opened on the town side of the river in W'aldens 
 Ridg^c. which will double the coal sujiply. 
 
 The otihce l)uildin<j of the Fast Tennessee Land COmpany 
 is a substantial brick ruid stone structure, erected upon a 
 square reserved for ]>ul)lic buildings, and l)oundedby Roane, 
 Walden, Morgan and Trenton streets. The four Norman 
 towers of the office building give it a peculiar apjiearance of 
 grace ami strength combined. It is ])r()nounced the tinest 
 building of any kind in Roane county, and the finest jirivate 
 oflice building in the State. It was erected at a cost of about 
 $26,000, being completed in August. iSyi. In this building 
 are grouped the various offices of the Land C'om])any, its 
 three stories being fully occupied, and affording none too 
 much room. Its interior finish throughout is with the native 
 oak of the locality, and very elegant. It has a large tire- 
 proof vault, with all the attachments of a bank vault, and 
 its appointments in every way are lirst-class. 
 
 The Belt Line Railway, which \vas built and is opera- 
 ted by the Harriman Coal and Iron Railroad Comjiany 
 affords a special feature of advantage for manufacturers 
 as also for the general public. This line of road, deflecting 
 from the East Tennessee, Virginia & Georgia Railway, a half 
 mile from the junction of that road with the Cincinnati 
 Southern Railway, extends nearly around the hrst platted 
 portion of the towMi, and when the circuit is comjileted that 
 section of it will be about four miles in extent. Its neat 
 station is photographed on another page. It is a thoroughly 
 substantial piece of railroad, and it is now being extended 
 down to the second oxbow of the Emory, so as to encircle 
 
 48
 
 and acconimodate the new Fisk Addition beim^^ platted tliere. 
 This road makes it jiossihle lor all the industrial plants of 
 Harriman to be U)cated on a line of railway, and also to 
 have water frontag-e if tliey so desire. 
 
 ReHable banking institutions arc a vital necessity to the 
 upbuilding of an industrial tt)wn. Harriman has three such, 
 established in the following order : The First National Bank, 
 capital $50,000 ; the .Manufacturers' National Hank, capital 
 $50,000; and the Harriman Bank and Trust C'omi)any, cajii- 
 tal $25,000. The latter, of which Mr. James McDowell is 
 President, has a savings department. Mr. j. 1). W'olsten- 
 holme. President of the Manufacturers' National Hank, is 
 also Secretary and Manager of the Harriman Building and 
 Loan Association, W. H. Russell, President, which has been 
 as helpful to Harriman as another bank would be. It has 
 an authorized capital of SI, 000,000, with $750,000 subscribed, 
 and its loans for building purposes in Harriman are very 
 large. The Harriman Improvement Company, ^Ir. T-. S. 
 Freeman, President, has been also an efficient helj) ; original 
 capital, $75,000; increase to $150,000 just authorized. 
 
 The 1 larriman ^(/zwwc^ has done much to adxertise and 
 aid the city, whose career is tersely summed u]) in that 
 paper's name. It began with daily issues onl\-. but is now 
 published in l)oth dailv and weekly editions by the Ad\ance 
 Printing Company, Gideon Hill, President. A. A. Hoi)kins 
 is its Fditor-in-Chief ; \\'. S. Hallock, ■Managing FMitor : J. 
 W. I>ridwell, City Fditor. The Harriman IVcck/y 'J'iiiu'S has 
 been lately estal)lished. 
 
 Various minor building and other companies have aided 
 in Flarriman's growth. The l''ales Ikiilding Comjjany has 
 erected the finest private business block thus far built, on 
 W'alden street. The Bank Building Company has been in- 
 corporated, for the erection, corner of Roane arid W'alden 
 
 50
 
 I 
 
 HARRIMAN BANK AND TRUST COMHANY.
 
 streets, of a still tiner block, to aocoiiunodatc the Manufac- 
 turers' Bank, the Building and Loan Association, and the 
 Daily and Weekly Advauci'. 
 
 The Harriman Manufacturing Company has been, and 
 will remain, the chief promoter of industries at Harriman. 
 It was chartered under the statutes of Tennessee, with broad 
 powers and privileges, on the i6th day of October, 1890, to 
 be the right arm of the East Tennessee Land Company in its 
 great work. Its organization was perfected on the 20th of 
 November ensuing, with the following list of officers : 
 
 President — John Hopewell, Jr. 
 
 Treasurer — A. W. Wagnalls. 
 
 Secretary — A. A. Hopkins. 
 
 General Manager — W. H. Russell. 
 
 Its capital stock was fixed at $1,000,000 — thereby adding 
 potentially this amount to the moderate capitalization of the 
 Land Company, and still further assuring the necessary 
 funds for development — and over $300,000 of it were sub- 
 scribed before its active operations began. 
 
 The plans and methods of this Manufacturing Comi)any 
 were novel in their character, and were devised and per- 
 fected after careful deliberation by the directors and man- 
 agers of the P'ast Tennessee Land Company, in consultation 
 \w\i\\ prominent business men not previously connected with 
 the Land Company's affairs. 
 
 CHRISTIAN HELPS. 
 
 The churches of Harriman should be mentioned first 
 among its moral and l)encticcnt helps. There are nine dif- 
 ferent church organizations which have regular worship, 
 and of these the Congregational, the First Methodist, the 
 Southern Methodist, the Christian, and two colored churches, 
 meet regularly in their own houses, but only the Christian 
 Church yet occupies its permanent church edifice, an illus- 
 
 52
 
 tration of which apjjcars. The others have erected neat 
 cliai)els, the Congrej^ationalists leading the way, with Fisk 
 Chapel soon after deilicatcd by the First Methodist organiza- 
 tion. I-'.ach of these, as also the Southern .Methodist, will, in 
 due time, erect their main editice upon the front of the lots 
 donateil by the Kast Tennessee Land Company. 
 
 Reference has been nuide to the I'niversalist church, n(»w 
 nearly tniished. The I'.a|)tists. the Cniversalists, the Episco- 
 
 THE CHRISTIAN CHURCH, MORGAN STREET. 
 
 palians, and the Presbyterians, have service regularly in 
 tem|)orary tpiartcrs, the former occupying the V. M. C. A. 
 hall. The Baptists, however, have begun their permanent 
 house of worshi|i on Trenton, corner of Queen street, 
 which will be a substantial brick edifice, erecteil near the 
 business center of town. The Kj)iscopalians have also 
 
 53
 
 begfun the croction of a church on Trenton street. 1 lu- 
 dwellers in Harriman are a church-<joing' peojile, to a degree 
 unusual even in the most moral communities. I'.ach of the 
 church ort^ani/.ations has a resident minister. 
 
 Ihe \'ouni^ Mens C liristian .\ssociation was orsj^ani/eil 
 over a year ai^o, ami has been zealously conducted ever 
 since. It iuis rooms in the Caldwell block, one of the best 
 business buildini^s thus far erected, where is a cond'ortable 
 liall seating- about 400, and where it has a considerable 
 librarv. It meditates the erection of a suitable building of 
 its own. The State \'. M. C. .\. honored it by holding its 
 annual session in Harriman last September. 
 
 The Women's Christian rem]ierance I'liion was early 
 organized, and has been a very acti\e hi'lpcT in the develo])- 
 ment of temperance zeal, and in the sujjport of the jiolicy in- 
 augurated by the Kast Tennessee Land Company. The lat- 
 ter liberally donated lots to the L'nion for the erection of a 
 Temple, which was suthciently completed in Sej)tember last 
 to allow the holding in it of the State W. C. T. U. conven- 
 tion, which gathered there. The Tem])le. as ap])ears from 
 our engraving, is a very creditable piece of architecture, its 
 total cost being al)out sS.ooo. The money for its erection 
 has l)een cheerfully <lonated by towns])eople and outside 
 friends, with the exception of a certain amount of indebted- 
 ness soon to be liquidated. The seating cajiacity of the 
 Temple is about one thousand, and it has small rooms for 
 meetings of the Union, parlor accommodations, etc. It 
 affords the best and largest place for public gatherings thus 
 far ])ro\ided. 
 
 HOTEL ACCOMMODATIONS. 
 
 Harriman lia^ se\ eral hotels and boarding houses of an 
 excellent character, chief of which is the Hotel Cumberland, 
 on Devonia street, within twti blocks of the stop]»ing place 
 
 54
 
 km 
 
 -^), 
 
 W. C. T. U. TEMPLf .
 
 for all trains on the E. T. V. & G. R. R. Ihis liotcl, begun 
 by private jiarties, was finished w ilh lands provided by the 
 E. T. L. Company, into whose hands passed a eontrolling in- 
 terest in the stoek of the Hotel Company one year ago. It 
 will accommodate from one hundred to one huiulred and 
 fifty guests, is i)rovi(k'il with >lcani hi,';il. lialhs and all sani- 
 tary features, affords the best talik' in tlie entire region, and 
 has become i^ojmlar with eonnnercial men and tourists on 
 
 CUMBERLAND HOTEL. 
 
 this account. It commands a superb view of Emory Gap 
 and Walden's Ridge, which it faces. The summer nights 
 here are deliciously cool and agreeable, l)ecause of the cool 
 breeze which makes out of the Ga]> regularly in the after- 
 noon and evening of every summer day. 
 
 Within one block of it is the extensive foundation of the 
 great hotel originally ])lanned by the Land Gom])any, when 
 it did not appear that j^rivate enterprise would build a pub- 
 lic house equal to the character and requirements of the 
 
 56
 
 ^^.^J^mA 
 
 
 FALES BLOCK. 
 
 /.\
 
 RESIDENCE OF W. H. RUSSELL, CUMBERLAND STREET.
 
 place, the erection m which was suspendcHl when the Com- 
 pany found it necessary to assume such lar^'c share in the 
 ownership of tlie Cuniht-rlaml. In due time, when the 
 demands of the town make necessary, its completion will no 
 douht l»e carried forward, and it will become a conspicuous 
 landmark(.f Harrinian. as l)c-hel<l by all who pass on either 
 of the railroads. 
 
 :^i^^ 
 
 ON THE EMORY. AT HARRIMAN. 
 
 59
 
 JOHN HOPEWELL, JR.
 
 ^.!^.^^.^ 
 
 fmm 
 
 > 
 
 
 
 ITS INDUSTxRIES 
 
 A- ^ V ^. 
 
 Industrially, tlic two years of Ilarrimaii furnish a record 
 that differentiates it from all other new towns of the South. 
 Its builders did not make the early mistake, so common, of 
 assumin,!^ that a blast furnace is the sine qua mm of success 
 in town building-, and that upc^n a furnace alone can a town 
 be successfully established. They counted on seeing^ the 
 furnace a fact in due time, where all conditions favor its 
 protitable operation, but they believed its establishment 
 might litly wait until other industries should create local de- 
 mand for its product, and thereby assure its prolit. They 
 were certain that a variety of manufacture would be^t guar- 
 antee the industrial success desired : and that it was wiser 
 to locate several small concerns, on sound business prin- 
 ciples, with an output soon to follow, and with fair assur- 
 ances t)f growth, than to seek two or three extensive plants, 
 requiring heavy bonus, which might be a year in course of 
 erection, and the products of which must be long ilelayed. 
 
 Results have justitled this policy, as in Harriman alone 
 has steady progress been made in the tlevelopment of South- 
 ern industries. This fact is due, in about equal measure, to 
 
 6i
 
 the methods that were adoptetl for such deveU)i)nient there, 
 and to the superior oj)])c)rtunities and eidvantages which 
 Harriman affords. These methods excluded the bonus idea 
 tVom the tirst, and were based on s^-enuine recijirocation ; 
 these advantages made that reci]irocation suHicient, and 
 bonuses less reipiisite. In other words, it has been tound 
 that certain reciprocal features peculiar to Harriman, ami a 
 combination of resources not elsewhere existimr in such 
 
 HARRIMAN'S FIRST INDUSTRY— OLD SAW MILL. 
 
 favorable degree, furnish am]ile reason for manufacturers to 
 locate there. 
 
 Briefly stated, the Harriman Manufacturing- Com]')any's 
 plan was and is to invest its cajiital in manufacturing indus- 
 tries at Harriman, to the extent of from one-third to one-half 
 the capital necessary to establish an inc'ustry, outside capital 
 being interested to the extent of one-half to two-thirds in 
 each case. 
 
 62
 
 The Manufacturins^ Comi)auy will thus hold a lar^e inter- 
 est, as it does already, in many substantial factories at 
 Harriman, and through pro])(.'r cilliccrs will exercise careful 
 supervision over these, mal<in<;- sure they are conducted to 
 the best possible advantage, and that all means within the 
 jiower of the Ilarrinian Manufacturing CV)nipaii\' and of the 
 
 A GLIMPSE IN THE ROLLING MILLS. 
 
 East Tennessee Land Company are used to promote their 
 welfare and assure a wide market for their ])roducts. 
 CO-OPERATIVE METHODS. 
 This plan, it is believed, will carry to the utmcjst point yet 
 attained, the spirit and method of co-operation among manu- 
 facturing establishments of different character, so that all 
 shall work as one concern for their own interest, the interest 
 of the town, and the consequent greater success of the 
 parent company. Under it each industry which locates at 
 Harriman may hope to make greater profits upon its capital 
 
 64
 
 than could be made by the same investment, as an inde- 
 pendent enterprise, at any other place in the Soutli. There 
 are possibilities of mutual j^^ain, for many industries working 
 m harmonious combination, which cannot separately be 
 commanded, and the co-operative advantages which may be 
 secured by the Harriman Manufacturing Company, for 
 manufactures at llarriman, and for the proUtal.le liandling 
 
 PUDDLING FURNACES, LOOKOUT ROLLING MILL. 
 
 and sale, away from llarriman, of whatever may be there 
 produced, will readily suggest themselves. They make it 
 feasible for one man, or one set of men, in many market 
 centers, to care for the interests of several related industries, 
 at great saving of expense, and great increase of profit to 
 each. It follows that the stock to be held in each, by the 
 Harriman Miuiufacturing Company, must be a profitable 
 source of income to that Company, and must make its own 
 stock return handsome dividends and increase nandsomely 
 
 66
 
 in value. This is the niore certain l)ecause the stock wliich 
 the llarrinian Company will hold in many subordinate com- 
 panies will be preferred stock, with six per cent, dividend 
 fairly assured upon it, by such preference, from the start. 
 
 In consideration of the industries to be located at llarri- 
 man, and of advantages to accrue from their location there 
 under the ]>lan above set forth, the V.asi Tennessee Land 
 
 i -mmm^. ~ ^ ii 
 
 fTZ ........MM 
 
 ^^^^^^^^^^■■m^^ t 
 
 
 lb: 
 
 
 '^^9 
 
 SMk 
 
 
 # „, J^ 
 
 
 i%^ 
 
 III 
 
 
 ^^\ -^M 
 
 - 
 
 1 
 
 ESk» 
 
 
 
 Z?^:! 
 
 1 
 
 FORGE ROOMS, AGRICULTURAL WORKS. 
 
 Company enteretl into a contract with the Harriman Manu- 
 facturing Com])an\- whereby the former company is to make 
 over, in March and September of each year, an amount of 
 money suhicient, with any moneys in the treasury of the 
 Harriman Manufacturing Company a])plicable to the pay- 
 ment of dividends, to insure a semi-annual ilividend of three 
 l)er cent, upon all stock of the Harriman Manufacturing 
 Company outstanding. Under this agreement, which 
 assured three per cent, semi-annual dividend to all the stock 
 
 69
 
 of the Ilarninan Manufacturing: Conipan\- for the tern: of 
 four years, two such dividends have already been paid. 
 
 The methods of the Harriman Manufactaring Company 
 are conservative and practical, though peculiar to itself. It 
 avoids the bonus system in the location of industries, and 
 seeks their establishment at Harriman only upon plain busi- 
 ness principles. It enii^ages to secure from the East Tennes- 
 see Land Com]iany. in pursuance of the contract with that 
 
 mW^'f^^ 
 
 
 
 
 
 I' 
 
 -^ 
 
 SAW AND BENDING DEPARTMENT, GIBSON AGRICULTURAL WORKS. 
 
 Company, to which reference has already been made, a 
 suitable site for each manufacturing concern established at 
 Harriman, the same being donated by the East Tennessee 
 Land Company under that contract ; and the Harriman 
 ]\Ianufacturing Company then insists that for every dollar 
 which it shall invest in a manufacturing concern, the men 
 who are actively to become its managers, for themselves or 
 others, shall invest a like amount, either in cash, or its 
 
 70
 
 equivalent' in machinery or material. Under this arrange- 
 ment the Harriman Manufacturing Company comes into 
 ownership, without cost, ot' valuable real estate franchises, 
 and the cash investeil hy it represents actual values without 
 inflation or bonuses for good-will. INIoreover, the men who 
 actively manage those concerns thus located at Harriman 
 have at least equal interest in their economical and energetic 
 administration, and their success. 
 
 Careful selection of industries is made, with a \iew to such 
 relation thereof as shall render them patrons of each other, 
 as much as possible, thus insuring for each, to the largest 
 possible extent, a local sui)plv of raw material without trans- 
 portation charges, and with a huge home market for the ar- 
 ticle produced. Under this plan and by these methods this 
 IManufacturing Company has advantages peculiar to itselt, 
 and enjoyed by no other comi)any known, \iz : 
 PECULIAR ADVANTAGES. 
 
 I si. — 1/ groups the best possibililifs o/' several kinds of viami- 
 faciure, under advantageous conditions noxvhere else to be found. 
 
 2d. — It gives to the investor a guarantee of profit, from such 
 varied manufacture, not possible from one line of industry alone. 
 
 jd. — It kicks this guarantee by a responsible contract, making 
 doubly sure the semi-annual payment (fa good dividend for a term 
 of years. 
 
 Up to the 1st of November, iSi^i. this Com])any had 
 located at Harriman, under this plan and l)y these methods, 
 the following nine industries : 
 
 INDUSTRIES IN OPERATION. 
 
 Lookout Rolling Mills. — Lookout Iron Company, capital 
 $200, oco; removed from Chattanooga; Sol. Simpson, presi- 
 dent; J. D. Roberts, manager; 200 hands employed before 
 removal; mills largely increased in size ; 250 to 300 hands. 
 
 Gibson Agricultural ^A^o^ks. — Gibson Agricultural
 
 Works Conii)any, capital $50,000; Da*'id Gilison, president; 
 removed from Chattanooga; 70 l^ands emjiloyed there; 
 caj)acity doubled; 125 to 150 hands. 
 
 Harriman Hoe and Tool Factory. — Harriman Hoe 
 and Tool Co., newly established ; Louis B. Goodall, presi- 
 dent ; George B. DurcU, manager; capital $75,000; 40 to 
 60 hands. 
 
 Harriman Tack Factory. — Harriman Tack Company, 
 reorganized aticr remo\al iVom Auburn, N. Y. ; capital $40,- 
 000; A. A. Hopkins, president; J. 11. I'. Lane, superinten- 
 dent : 20 to 40 hands. 
 
 East Tennessee Furniture Factory. — Last Tennessee 
 Furniture Co., capital $25,000; removetl from Knoxville ; 
 W. H. Russell, president ; I\I. L. Dame, manager ; 30 to 60 
 hanils. 
 
 Duthie Machine Works and Foundry. Duthie 
 
 Machine and Foundry Co., capital $20,000; removed from 
 Knoxville ; George H. Duthie, president and manager; 40 
 hands. 
 
 Harriman Brick Works. — Harriman Brick and Build- 
 ing Company, new organization, capital $30,000 ; E. M. 
 Goodall, president ; 20 hands. 
 
 Cumberland Manufacturing Works. — (Building ma- 
 terial, sash, blinds, etc.) Cumberland [Manufacturing Co., 
 new; capital $25,000; Frederick Gates, president; 30 
 hands. 
 
 Bailey Auger Works. — Bailey Auger Bit Co., capital 
 $50,000; removed from Lancaster, O.; W. A. Starbuck, 
 president; J. K. Hayward, secretary and treasurer; R. M. 
 True, manager ; 20 to 60 hands. 
 
 All these nine industries were in successful operation on 
 the date named, with their production supplying local de- 
 mands, or shipping their products to various points north, 
 
 74
 
 south, east and west. Nearly all were behiiul actual orders, 
 and the Lookout Rolling Mills were tuniinj^ out iron for 
 shipment on orders direct to Louisville, Cin'Jnnati and Pitts- 
 burgh, thus demonstrating that Ilarriman is far enough south 
 to insure the cheapest iron-making conditions, and sufHciently 
 farther north than Alabama to command the Northern mar- 
 kets, and to com]>ete successfully with Pennsylvania iron 
 makers for the best iron trade. Since that date the Rolling 
 Mills have successfully rolled steel plates, for the Hoe and 
 Tool Factory, from Southern steel billets, made at the South- 
 ern Steel Works in Chattanooga, thus demonstrating that the 
 South has her own facilities for all forms of steel j^roduction, 
 and that Harrimans own industries largely afford sup]>lies 
 for each other. 
 
 Up to the date last mentioned the stock held by the Ilarri- 
 man Manufacturing Company in the above industries aggre- 
 gated $268,000, of which over $100,000 was preferred. 
 
 Upon the date which these pages commemorate — Feb- 
 ruary 26, 1892, second anniversary of Harriman — a new 
 announcement is made by the East Tennessee Land Com- 
 pany, which has vital signiticance to Ilarriman and her 
 industrial future. 
 
 The Land Comjiany agrees and guarantees that from and 
 after this date one-half the net jiroceeds of all its lot sales at 
 Harriman, and one-half the net proceeds of all Inc(mie 
 Warrants sold after March ist, and ap])lied on lot j^ayments, 
 until such net i)roceeds reach the total amount of $2,000,000, 
 shall be set apart as an Industrial Fund, for the establish- 
 ment and promotion of industries at Ilarriman. By this 
 agreement and guarantee the sum of One Milliim Dollars, as 
 it may become available from sales made, is apj)ro|)riated 
 by the East Tennessee Land Company for the industrial 
 growth of Harriman ; or, to put it more plainly still, one- 
 
 76
 
 ^ i
 
 half the net sum received by the Comjiany, from the sale of 
 every lot, until the broad limit is reached as fixed above, is 
 to be applied for the buyer's direct benefit, by manufactur- 
 ing investment that shall increase the value of every lot sold. 
 
 Under the plan and by the methods of the ]^arent Com- 
 pany, and its auxiliary, as heretofore set forth, every dollar 
 industrially invested must be matched by at least another 
 dollar of capital from an outside source ; and this fact really 
 means for every lot purchaser at Harrinian, tluring- the next 
 year or two, an actual investment for manufactures there, as 
 the direct result of his purchase, of cash equivalent to the full 
 sum he pays ; if total lot sales reach that amount, an aggregate 
 investment for industries at Harriman, by and because of the 
 Land Company's action, of an even 'l\vo Millions of Dollars. 
 It is computed that such a sum thus aj-fplied would carry the 
 population of Harriman, within its first five years, to not 
 less than 25,000 souls. The establishment of an Industrial 
 Fund so large, under conditions that must be so far-reaching, 
 witnesses to great faith in Harriman's future, and astonish- 
 ing liberality of purpose to insure the same. 
 
 The first fruits of the sagacious and liberal ]K)licy thus 
 inauguratetl for Harriman, are apparent even before these 
 pages leave the press, in a large number of ])lants offered 
 for location there, and in a contract actually made to remove 
 the Haves Chair Factory from Tallapoosa, Ga. , and to oper- 
 ate its business by the Hayes Chair Com])any, of Harriman ; 
 ca]>ital, $75,000: capacity 50 to 75 hands. 
 
 Apart from any owncrshiji of the Harriman ManufviCtur- 
 ing Company there are several enterprises at Harriman now 
 in operation or soon to be, of considerable extent and much 
 credit to the town. Easily first of these is the S. K. Paige 
 Manufacturing Works, with cai)acity for 150 hands; S. K. 
 Paige Manufacturing Company, capital $50,000; Mr. S. K. 
 
 78
 
 Paii^e, President ; W. L". Harriinan, Treasurer ; \V. V, 
 Hawkes, Manager. This concern is for working altogether 
 in wood ; the making of wooden-ware : the production of 
 finished wood-stulf in varied forms. It is a model factory 
 wiih all recent appliances for utilizing jiower and skill. 
 
 The Emory River IceCompan\-, j. I). Wolstenholme, Presi- 
 dent, will manul'acture ice this season from the pure water 
 which the PLmory supjilies, and with a plant costing $20,000. 
 
 The \Vhii)ple & Armstrong Machine Works, beginning in 
 a modest fashion, anticipate success and attendant growth. 
 CHEAP MANUFACTURING CONDITIONS. 
 
 No other town in the South can match the manufacturing 
 conditions which Harriman affords for cheapness of produc- 
 tion and ease of shipment. An ample supply of water so 
 pure that even steam boilers are not encrusted by its use ; 
 water trontage when desired and river transportation a jiart 
 of each year; a Belt Line Railway, reaching directly every 
 manufacturing concern, with its own switches provided; 
 trunk line freight facilities excellent and sure to increase; a 
 climate neither so cold in winter nor so hot in summer as to 
 interfere with advantageous indoor work : — these are some 
 of the superior advantages offered. Then the timber re- 
 sources round about Harriman are extensive; and the Harri- 
 man Coal and Iron Railroad, now extending into the Brushy 
 Mountain region, twenty miles away, will develop exten- 
 sive resources of coal, lumber, etc.. all tributary to the 
 manufacturing interests at Harriman, and easily to be com- 
 manded for their advantage. Moreover, the coal and iron 
 mines of the East Tennessee Land Company are in close 
 touch with the town, one coalmine being in active operation 
 just across the river, another now being opened on the town 
 side, and three iron mines, yielding their output of thousands 
 of tons of ore each month, but ten to twelve miles away, 
 
 80
 

 
 and soon to be accessible by the river division of the Ilarri- 
 nian Coal and Iron Railroad, the completion of which is 
 expected within the coming- year. 
 
 Immense iron deposits commence on the eastern edge of 
 Harriman and extend several miles along the ridges which 
 parallel the Cumberland plateau, running eastward towards 
 Knoxville. fifty miles away. These iron deposits have been 
 lately opened for supplying their hard ore to the Harriman 
 Wrought Iron Furnace and to the Lookout Rolling Mills, and 
 prove greatly superior to similar deposits farther south ; and 
 coal of the Byrdmine, at Harriman, is pronounced by users 
 there far better than any which they had previously used for 
 forge and rolling mill purposes. 
 
 Mr. D. A. Plant, superintendent of the Lookout Rolling 
 Mills, being inquired of as to this coal, testified thus: "I 
 consider the Byrd coal of a very good quality, free to burn, 
 and carrying with it a clean and lierce combustion, a quality 
 very necessary for the making and heating of iron. It also 
 possesses good lasting qualities, which are so seldom found 
 in a great many of the free burning coals such as Poplar 
 Creek, Jellico and others. The coals used mainly in Chat- 
 tanooga were from Daisy, Sale Creek and Soddy; these 
 coals could not be used with any satisfaction at all without 
 the aid of strong blast, thus causing continued repairing to 
 furnaces to keep them in working order. These coals also 
 make very heavy clinkers iu the fire chambers, the result of 
 which consumed a great deal of time in cleaning grates and 
 getting furnaces sufficiently hot to charge next heat. 
 
 "The Byrd coal works just the reverse of the coal men- 
 tioned above. We can use it without blast, thus avoiding 
 a great deal of the expense in repairing, caused by using 
 blast. This coal does not clinker, but burns down to a fine 
 ash ; thus it requires little or no time to clean grates, leaving 
 
 82
 
 
 ' i-fn. 
 
 i(r 
 
 
 
 j0a 
 
 
 
 
 \ W^ 
 
 'i 
 
 
 
 ^ ^Kj 
 
 y 
 
 
 
 
 i 
 
 -'■
 
 the furnaces at all times hot enough to charge right along. 
 Hence, there is no comparison between this and the coal 
 used in Chattanooga ; and with this difference in our favor, 
 I feel safe in saying that there must be a saving of from 20 to 
 25 per cent, in the coal item, compared with Chattanoo- 
 ga." 
 
 Coal of like (piality abounds in Walden's Ridge for miles 
 on the border of the city site, and extending eastward, while 
 the Brushy Mountain coal fields, to be developed by the 
 Brushy Mountain division of the Harriman Coal and Iron 
 Railroad, are pronounced by experts of great richness and 
 inexhaustible supply. Coke of good (lualily is already made 
 by the East Tennessee Mining Company, at the Byrd mine, 
 which finds use in the factories there, giving excellent satis- 
 faction, while a still better (luality is anticipated from the 
 Brushy Mountain mines as soon as these shall be develo]ied. 
 Mr.' David Gibson, President of the Gibson Agricultural 
 Works, under date of Nov. 25th. iS.^i, wrote thus about the 
 coke made from this Byrd mine coal: 
 
 'T am very glad to report that I have never used better 
 coke than I am getting from you. In the cupola it holds its 
 burden w^ell, burns freely and is very clean. 1 have used 
 Connellsville and PocahcMitas coke, andconsider this equal to 
 any ' have ever used in the cupola, and bc/Zcr than either of 
 the others in the foige, for the reason that it burns more free- 
 ly, does not form into clinkers, and the ash drops away free- 
 ly, so that we can keep a clean fire. It is csitecially good 
 fi)r welding on this account. Ut. Jerry Clark, superintendent 
 of the Hoe and Tool Works just stepped in, and 1 asked his 
 opinion of the coke, and his report exactly coincides with 
 my ideas. He finds it the best he has ever used, and he is 
 an expert hoe manufacturer and has spent all his life in this 
 business, which recpiires the best of fuel." 
 
 85
 
 SAVING TO MANUFACTURERS. 
 It has been and will l«c easy to l.)cale liesirahle industries 
 at llarriman without payment of bcjnuses usually exacted 
 from new towns, because of the clear savin;,,Mn manufacture, 
 effected chietly in three ways, viz: 
 
 J St. — By the pnixtniilw i/tt;i/>nt:\s ,inJ ra<:v cnmrnaml of raw 
 material, iron ami timicr. 
 
 2d.—B\' Ihc low cost of coal for fuel, Jciir-rra ai jacunx a.u.r s 
 by the East Tennessee Mining,' C'»)if'.viv for from $1.2^ /" $r-5(> 
 per ton. 
 
 jj. — Bv the river and railroad J acdities enjny.-.i, aii facmnes 
 being located on the Bell Railroad, encircling Harriman, and also, 
 if they ivish it, beside the Emory river, parallel thereivilh. 
 
 As stated by Mr. Sol. Simpson, president of the Lookout 
 Iron Company, the Lookout Rolling' Mills, which before 
 their removal had done a successful business at Chattanooga 
 for several years, will save $12,000 a year in the cost of 
 coal alone, or si.x per cent, on the entire capital, by locating 
 at Marriman. They will save, also, nearly all their water 
 rent, about $250 per month, taking their supply directly 
 from the river, near which the great plant stands. They 
 will also save greatly in the use of iron ore, and the total 
 saving on their output, as compared with cost of an equal 
 output at Chattanooga (had such an output been there possi- 
 ble), is computed by the superintendent at $20,000 a year. 
 The Gibson Agricidtural Works will also make a correspond- 
 ingly large saving in the use of coals and hard woods. 
 
 An abundance of iron, coke and limestone, in the nearest 
 contiguity known anywhere, makes it certain that Harrri- 
 man will be able to produce iron as cheaply at least as it can 
 anywhere be produced in the world. Says Dr. George A. 
 Koenig, Professor of Metallurgy and Mining in the Univer- 
 sity of Pennsylvania :
 
 "1 do not hesitate to make the assertion that iron can be 
 made here at a greater profit than at Birming-hani." 
 
 Says Jo. C. GuiUl. Assistant State Geologist of Tennessee, 
 and Mining Engineer : 
 
 "All the conditions are present lor the cheap manufacture 
 of iron — an abundance of iron ore. l)()th hard and soft; an 
 inexhaustible supply of good coking coal, and good lime- 
 stone for flux on every hand: all these secured in a stone's 
 throw of each other." 
 
 Says Capt. J. D. Roberts. Manager of the Lookout Roll- 
 ing ]Mills : 
 
 ■•Harriman is second to none in her facilities for the 
 manufacture of pig iron and basic steel at a low 
 cost." 
 
 These things being true, and the manufactures already 
 established at Harriman making a local demand for ]Hg iron 
 nearly or cpiite ecjual to the output of one furnace, the Harri- 
 man FurnaceCom]iany has been organized, Ferd. Schumacher, 
 President : W. B. Winslow, Secretary, with an authorized 
 capital of $500,000, of which one-half is common stock, 
 and the other half an S percent. Cumulative Preferred stock. 
 All the Common Stock has been subscribed for by the East 
 Tennessee Land Company and the I'.ast Tennessee ?*Iining 
 Company, the latter of which, desiring a local market for its 
 products, contracts to furnish iron ore and coke to the extent 
 of 250,000 tons of each per annum, at $2.50 per ton for 
 coke, and $1,50 per ton for iron ore. these being the maxi- 
 mum figures. It will guarantee the coke to be e(iual in 
 ([uality to any produced in the South ; that the iron ore shall 
 make a 40 percent mixture ; that its (piality shall be second 
 to none of the hematite ores now used in the South ; and 
 that it will make, as it has proven by actual experience, the 
 best grade of foundry pig, and Basic ])ig for any of the open
 
 STREET SCENES IN HARRIMAN.
 
 heartli processes. Average analysis of tlic cokes and ore 
 which will be furnished is as follows : 
 
 COKK. 
 
 /'»-/- Cut. 
 
 rixi'il i-arl>oii. .90 
 Ash. ... 8 
 
 Siiljjluir, .1 
 
 Moisture, i 
 
 IKON OKK. 
 
 Metallic inm .50 
 
 Alumina, (> 
 
 Silica, 10 
 
 Sulphur, 00 
 
 Phosphorus, ■ 0.4 
 
 Moisture, 10 
 
 Total 7''-4 
 
 Limestone can be obtained within eit;lity rods of Furnace, 
 containing- : 
 
 JW Cent. 
 
 Carh. Lime from 75 to 95 
 
 Maj;;nesia carl>. Iroiii 3 to 22 
 
 Silica, 1 to 5 
 
 Taking these figures as a basis, pig iron can be produced 
 with modern furnace plant, at Harriman, at a cost of $10 
 per ton as follows : 
 
 2.50 tons iron ore at 51.50 . . $3.75 
 
 1.50 " coke " " 2.50 . . 3.75 
 
 limestone. .50 
 
 Labor, salaries, incidentals and interest on plant 
 
 and repairs, 2.00 
 
 Total, $10.00 
 
 Labor, etc., on sinijle 100-ton turnace, $2.50 
 " " pair " " 2.00 
 
 All the mill irons to the extent of 70 tons ]ier day, and some 
 of the Xo. 2 foundry, can be sold here in Harriman to the 
 Lookout Iron Co., the Agricultural Works and Foundries, at 
 a profit of not less than $1.00 per ton on mill, and i2.oo on 
 foundry grades, during the seasons of lowest prices which 
 have yet prevailed, and $2.00 per ton on all foundry grades 
 shipped to other points. Or, to average the whole output, 
 everv ton of iron made should yield a profit of not less than 
 Si. 25 per ton, based on present prices, which are the lowest 
 in the history of the trade. 
 
 90
 
 The Cumulative Preferred Stock is entitled to Eight Per 
 Cent, of the Company's protits before the Common Stock 
 
 receives any (.lividend. and will share \vith tlie Common Stock 
 pro rata, after that receives Eight Per Cent, in all tlie prohts 
 in excess thereof. If the protits in any year do not equal 
 Eight Per Cent. ui)()n the Preferred Stock, the deficit in ilivi- 
 dend remains a charge against the future protits, to be paid 
 therefrom. The Preferred Stock also has a lien on the assets 
 of the Company superior to that of the Common Stock, 
 which entitles it to be paid in full before the principal of any 
 
 
 '\'% ,%\%\%VK'^^jy^^^-'<'^^^^^^ 
 
 PROPOSED MODEL FURNACE, AT HARRIMAN. 
 
 part of the Common Stock shall be paid. These preferences 
 make it absolutely secure as an investment. 
 
 Of the Cu?7iulative Pre/erred Stock $50,000 has been sub- 
 scribed for, by the Harriman Manufacturing Co., and the re- 
 maining $200,000 is being taken hv outside parties, at par. 
 
 Shares are $100 each. 
 
 92
 
 SOBRIETY OF LABOR. 
 
 Already the cliaracter of Harriman for sobriety and tlirift 
 IS attracting wide-spread attention from manufacturers, and 
 the moral aspect of the town, with the certainty of sober 
 workingmen, because of the absence of saloons, will more 
 and more induce the location of desirable manufacturings 
 plants. It is a well-known economic fact that sober labor, 
 away from saloons, yields a positive percentag^e of gain to 
 the capital employing it, over labor in a community where 
 the liquor traffic is allowed. Statistics could here be cited 
 were it necessary, to show that this is the fact, and that 
 large manufacturing jilants have actually yielded a much 
 larger interest upon their capital in years when the liquor 
 trafHc around them was forbidden and abolished, than in 
 years when the liquor traffic was permitted, but with the 
 same financial conditions otherwise. By the policy of the 
 East Tennessee Land Company the liquor traffic is pro- 
 hibited in title deeds, and saloons can never be ]:)ermitted, 
 with their inevitable influences upon labor and its product. 
 It has already been demonstrated at Harriman that the best 
 manufacturing conditions abound where sobriety exists. No 
 class of workingmen ever is so profitable to its employers 
 as the class which can come and does come, by reason of its 
 labor, into the ownership of its own homes, covets per- 
 manency of employment, strives after superiority, and seeks 
 that mutual welfare which labor and capital should each 
 assure to each. Already the number of homes owned at 
 Harriman by the workingmen employed there surpasses, as 
 is believed, that of any other town of like jiopulation. 
 PROFITABLE INVESTMENT. 
 
 Because of sober labor, working at its best and producing 
 the largest possible output upon the 1)asis of ca]iital em- 
 ployed ; because of raw material close at hand, cheaply 
 
 94
 
 accessible, and easily commanded at the lowest possible 
 cost ; and because of the co-operative features, insuring 
 mutuality of effort, manufacture of every kind must be re- 
 duced at Harriman to the minimum of expense ; and under 
 the practical business management secured for each con- 
 cern, by the methods which have been outlined, the profits 
 of the manufacturing plants at Harriman must be greater 
 than elsewhere they can average ; and by reason of the con- 
 tract and virtual guarantee already mentioned, it is certain 
 that the stock of the Harriman Manufacturing Company 
 will pay fair dividends during the first years when industries 
 are becoming established. It is equally certain from the 
 conditions referred to, that said stock will constantly grow 
 in its dividend-paying capacity, and that all who invest in it 
 will find their investment of steadily increasing value. 
 There seems no reason why the Harriman Manufacturing 
 Company shall not become one of the most extensive and 
 most profitable of all the industrial enterprises which have 
 taken root in the South, or which have been presented to the 
 public for general subscription ; and the Management cor- 
 dially invite the most scrutinizing examination of Harri- 
 man's industries, and of the methods of this Company, by 
 all who seek investment. 
 
 Of the remainder of the $1,000,000 of stock untaken, 
 $250,000 is now otfercd for sale at par. Shares are $50 each 
 and where five or more shares are ordered at any one time, 
 twenty jier cent, payment may be made down, the balance 
 being i)ayable in monthly installments of like amt^unt. It 
 should be clearly umlerstood that this stock, unlike the 
 industrial stticks generally ottered and liberally taken, is of 
 uniform value <///</ advanUige !
 
 A. A. HOPKINS.
 
 OUU HARRIMAN. 
 
 (Air — "Watch on the Rliirn.") 
 Lift 11]) your voice in glad acclaim. 
 
 O ye who gather here to-day, 
 And echo every heart the name 
 
 To wliich we loving trilmte pay. 
 
 f) llarrimaii, dear Harrinian ! 
 
 May peace be tiiine, forever tliinc I 
 Brave liearts, and true, in love thy ways defend, 
 
 While lu-aven's blessings on thy homes dt-scend. 
 
 Here lield and forest waited long 
 
 The music of the hammer's ring. 
 The thrill of Labor's cheerful song. 
 
 And bounty that the years might bring. 
 
 O Ilarriinan. dear llarriman ! 
 
 Thy mountains look with pride on tliee ; 
 Ih)pe, faith and courage here have builded well. 
 
 Long may their faith and works thy people tell ! 
 
 Here loyal hearts and willing hands 
 
 Have lifted high their banners brave. 
 And heeding Love's divine commands 
 
 Have sought the tempted soul to save. 
 
 O llarriman, glad llarriman ! 
 
 Thy b;inners wave till o'er the world 
 Manhood shall stand in faith for God and Right, 
 
 And Lovi' shall rule the land with Lo\e's own might 
 
 tt llarriman, young llarriman. 
 
 Grow strong and bold through all the ye.ir^. 
 As if within thy pulses ran 
 
 The blooil oi thine own pioneers. 
 
 (• llarriman. our llarriman! 
 
 The skies abo\ e in blessings beml : 
 Heav'n hear Hie jT.iyer forihee that each 'learl lifts, 
 
 ,\iiil till thy future with its choicest gifts. 
 97
 
 East Tenpessee Liand Conopapy 
 HARRIMAN, TENN. 
 
 OFFICERS: 
 
 A. W. WACiXAI.I.S. rrosidcnt. 
 
 JOHN llol'l- \Vi:[,L. JK.. First Vice-President. 
 
 I'Rl'.DKRICK (iATES. Second Vice-President. 
 W. 11. RrSSKT.L. (General Manager. 
 A. A. IIOPKIXS. Secretary. 
 
 j. I). \V()I.sri-:XII()I.I\IK. Treasurer. 
 
 (iFX). W. KASLKV. (jeneral Counsel. 
 
 DIRECTORS: 
 
 I. r,. IlOllliS. J'"l^ HOPEWELL. jK. 
 
 A. W. WAGNALLS. J- H- WHTTMORE. 
 
 E. SCHUMACHER. J- ^- SNOW. 
 
 L. S. FREEMAN. "• ^I- WINSLOW. 
 
 FREDERICK f;ATES. ^VM. Sit A-l'RWOr n ). 
 
 \v. n. Kissii I . i:. M. <.()(.i»Ai,i.. 
 
 A. A. IIOl'KIXS. 
 98
 
 Harrinoan |VIcinu?ac taring Conopany 
 HARRIMAN. TENN- 
 
 OFFICERS: 
 
 JdllX II()l'i:\\ II.I., |k.. I'lvsi.lom. 
 
 FKRI). SCIllMAi IlKR. Xicr-l'rcsidciit. 
 W. II. KLSSKLL. (;ciii':al Man;i«^rc-r. 
 
 J. \). \\( »l>ri.XII( tL.Mi:. Ircasiirer. 
 A. A 1 li i|'K IN'^ Secretary. 
 
 DIRECTORS: 
 
 |(iii\ I Iiii'iwKi.i.. Jk. 1-'i:ki). SriiiMMiiik. 
 
 I'KI' |)l' KK K ( i A 1 KS. A. W . W \t;N\l.l>. 
 
 W. II, Rl^S|.|.I.. A. A. llolKINv 
 
 ). 1). Kdl'.KklS. |. I'. \\ Ml s| I Miol MK. 
 
 1. II. WllllMitKI
 
 Tin: IIARRIMAN lUTLDlXi; AND 
 LOW ASSOCIATIOX. 
 
 CAPITAL, $1,000,000. 
 
 Operates as a bocal Building Association or 
 Cooperative B^ank. 
 
 Its funds are loaned on Improved Harriman 
 Real Estate, no Loan exceeding- 60 per cent, of the 
 value of the security. 
 
 Loans are paid oH in nionthh installments, so 
 that the risk of the Association is being constantl\- 
 decreased. 
 
 The Association has declared three semi-annual 
 dividends of 9 per c(mt. each, or at the rate of iS 
 per cent, per annum. There is every reason to be- 
 licvi- that future earnings will be even more satis- 
 iactor}'. 
 
 A limited amount of stock is still for sale. 
 
 Address for further particulars, 
 
 iiAkkiM.w idii.mx*. .wn loan a\m)C1ati()N, 
 
 HARRIMAN, TENN.
 
 The Cumberland Plateau 
 
 TO BE OPENED. 
 
 Arrani^eiiUMits liave been made for openini^^ the \ asl ler- 
 ritory i)f tlu' East Tennessee Land ( 'luiipany. npiMi the C'liiii- 
 herlantl Platean. hy tlie nndersii^ncd. 
 
 FOR A CLIMATE UNSURPASSED, 
 
 FOR A HEALTHFUL HOME. 
 
 FOR DELIGHTFUL SCENERY, 
 
 GO TO THIS WONDERFUL SECTION. 
 
 l-.iniis. (lanli-n Spots, Town I. (its in Dci-rmnm, cti'., for Sale. 
 ()]ilinmiiiitii'> tni- hi vL"-t incut. 
 
 .\C.KNIS WWIKI) i:\ I U\ U (IKKK IN IHK N<tKnil.K\ >l MKS. 
 ADDRESS 
 
 ('rMi'.i:Ki..\\i) ri..\iT..\r i\irix()\i:\ii:\T co.. 
 
 HARRIMAN, TENN.
 
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