STACK ANJ4BX 5 U )6 17S ., THE LEGAL FINANCIAL LIGHTS AMERICA. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. W A NEW AND ORIGINAL COMPILATION OF THE MOST HONORABLE AND RELIABLE ATTORNEYS (ONE IN EACH COUNTY) ; THE LARGEST, BEST AND MOST PROMINENT BANKS (ONE IN EACH COUNTY) ; Sjff S^ THE OFFICIAL DIPLOMATIC AND CONSULAR GUIDE OF THE U. S. THROUGHOUT THE WORLD : AND THE MOST COMPREHENSIVE DIGEST OF ALL COMMERCIAL LAWS OF EACH STATE AND TERRITORY IN THE UNION; ALL OF WHICH HAS BEEN ACCOMPLISHED FOR THE MUTUAL INTEREST AND PROFITS OF ATTORNEYS AND BANKS, AND THE WHOLESALE MERCHANTS AND MANUFACTURERS. NEW YOEK. 1895. Entered according to Act of Congress in the office of the Librarian of Congress, in the year A. D. 1895, by the LEGAL AND FINANCIAL LIGHTS OF AMERICA. NEW YORK : PRESS OF JOHN POLHEMUS PRINTING Co., 121 FULTON STREET. 1856. PREFACE. FOR the first time in the history of commerce, a system has been established by which a mutual and beneficial arrangement is entered into between the wholesale Merchants and Manufacturers of the country, with a legal representa- tive herein contained, as well as getting honest information and treatment as to the debtor class in general ; also for banking facilities, in connection with said sole attorney for each county, we give the most reliable Banks in same district which are giving special time and attention to all banking business entrusted to them. The system is entirely new, and cannot fail to save hundreds and thousands of dollars per year and relieve the minds of the commercial world of many of its commercial vexations and burdens ; for where one attends (in one small district) to the interest of the many from the outside, how easy, indeed, it becomes for the one to make more satisfactory and quicker settlements in case of liquidation, and the same can be made far more profitable to creditor and beneficial to its treasury, by saving expenses, per cents., costs and remaining stock. All further explanations cheerfully given by our representatives or the publishers. In conclusion, for all international business, we also give you the official Diplomatic and Consular list of the United States throughout the world. With this short review of our work, we feel confident that these "Lights" will be and become the greatest panacea to commerce at large. SCHUHL & LEMAIRE, Publishers. 20O3G40 AGREEMENT BETWEEN The Wholesale Merchants' & Manufacturers' Guarantee Credit Company AND UL LIGHTS OF IffiKL It is agreed by The Wholesale Merchants' and Manufacturers' Guarantee Credit Company and the publishers of The Legal and Financial Lights of America, that the said members of the Wholesale Merchants' and Manufacturers' Guarantee Credit Company do, and will, uphold and encourage the said publication for divers good reasons as duly made acquainted with ; and support it to the full extent, as follows : FIRST. To be and become its annual subscribers. SECOND. To deal directly with the attorneys contained therein in all matters pertaining to law, and judicial business in their respective counties. THIRD. For all financial business to act directly with the banks therein furnished. And the said publishers pledge themselves at all times, and in each edition to furnish only the most honorable and responsible attorneys and banks, one in each and every county of the United States (in larger cities, two or more as the case may necessitate). ALL OF WHICH IS MUTUALLY CONCURRED IN BY The Wholesale Merchants' and Manufacturers' Guarantee Credit Company AND THE Publishers of the Legal and Financial Lights of America, ALABAMA. County Seal. County. Abbeville Henry. Andalusia Covington. Ashland Clay. Ashvllle St. Glair. Athens Limestone. Birmingham ..Jefferson. Blountsvllle . .Blount. Butler Choctaw. Brewton Escambia. Camden Wilcox. Carrol I ton Pickens. Centre Cherokee. Centreville Bibb. Clanton Chilton. Clayton Barbour. Colnniblana . . . Shelby. Cullman Cullman. Dadcville Tallapoosa. Daphne Baldwin. DOUPLE SPRINGS. Winston. Edwardsville .Cleburne. Elba Coffee. Eufaula Barbour. Euta\v Greene. Evergreen Conecuh. Fayette Fayette. Florence Lauderdale. Fort Payne De Kalb. Gadsden Etowah. Geneva Geneva. Greensboro' . . .Hale. Greenville Butler. Grove Hill Clarke. Guutorsville ..Marshall. Hamilton Marion. Haynevllle Lowndes. Huntsvllle Madison. Jacksonville.. .Calhoun. Jasper Walker. La Fayette Chambers. Li lido 11 Marengo. Livingston Suniter. Luverne Crenshaw. Marlon Perry. Mobile Mobile. Monroevllle . . .Monroe. Name of Alty. J. W. Foster. Ed. T. Albritton. A. S. Stockdall. E. J. Robinson. W. R. Walker. Mountjoy& Tomiinson. M. L. Ward. Vacant. Jas. M.Davison. P. M. Horn. E. D. Willett. C. Daniel. S. D. Logan. W. A. Collier. A. A. Evans. D. R. McMillan. Geo. H. Parker. Jno. A. Terrell. D. C. Anderson. P. H. Newman. A. A. Hurst. P. N. Hickman. A. H. Merrill. Name of Bank. At Columbia, Dk. of Jno. T. Davis & Son. A. Luverne, Bk. of Luverne. See Talladega. See Gadsden. Bk. of Athens. Berney Natl. Bk. See Cullman. See Livingston. Bk. of Brewton. Camden Bk. See Tuscaloosa. See Jacksonville. At Blocton, Blocton Svgs. Bk. See Montgomery. Citizens Bk. Bk. of Gordon DuBose. Bk. of Parker & Co. Tallapoosa Co. Bk See Mobile. See Jasper. Bk'. of P. A. Howie. At Luverne, Bk. of Luverne. East Alabama Natl. Bk. Seay, Judge & DeGraffenried. First Nat!. Bk. Farnham, Crum & Newton. See Brewton. Jno B. Sanford. Simpson & Jones. L. A. Dobbs. Dortch & Martin. Chas. H. Laney. A. M. Tunstall. Richardson Hamilton. J. T. Lackland. Lusk-& Bell. A. J. Stanford. Clements & Brewer. 0. R. Hundley. H. Lee Stevenson. W. B. Appling. Dowdell & Duke. Jno. C. Anderson. A. G. Smith. M. W. Rushton. B. M. Huey. Fielding Vaughan. Thos. S. Wiggins. See Jasper. First Natl. Bk. Fort Payne Bk. First Natl. Bk. Bk. of Geneva. Bk. of Greensboro'. Exchange Bk. See Camden. Bk. of Guntersville. At Aberdeen, Miss. At Montgomery. First Natl. Bk. Tredegar Natl. Bk. Jasper Trust Co. Bk. of Lafayette. At Uniontown, Plan. & Mer. Bk. Bk. of McMillan & Co. Bk. of Luverne. Marlon Central Bk. First Natl. Bk. At Brewton. Cashier. H. Folmar. C. E. Frost. W. P. G. Harding. O. P. Luttrell. S. J. Walling, Jr. J. B. Wadsworth. J. E. Meadows. H. C. DuBose. H. C. Bounds. Z. J. Wright, Jr. C. P. Roberts. B. B. Barnes. N. C. Elting. W. P. Hemphill. W. G. Brockway. Wm. J. Hall. J. A. Blunt. B. Steiner. W. M. Cantrell. Jos. Martin. Geo. P. Ide. Jno. A. Gravelee. J. C. Griffin. W. J. White. H. Folmar. Jas.T. Fitzgerald. C. D. Willoughby. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. ALABAMA CONTINUED. County Seat. County. Montgomery . .Montgomery IWoulton Lawrence. Opellka Lee. Ozark . .Dale. Pratt vf He Autaga. Rockford Coosa. Russellville . . .Franklin. Rutledge Crenshaw. .Scottsboro' Jackson. Seale Russell. Selma Dallas. Somervllle Morgan. St. Stephens . . .Washington. Talladega Talladega. Troy Pike. Tuscaloosa Tuscaloosa. Tnscumbia Colbert. Tuskegee Macon. Union Sprliigs.Biillock. Vernon Lamar. "Wedowee Randolph. Wetumpka Elmore. Name of Alty. Tompkins i Troy. W. T. Lowe. W. J. Samford & Son. A. T. Borders. M. A. Smith. J. H. Parker. G. C. Almond. A. B. Brooks. Jno. F. Proctor. J. F. Waddell. Mallory & McLeod. Wm. E. Skeggs. Vacant. A. M. Garber. Parks, Harmon & Gamble. Foster & Oliver. Kirk& Almon. W. G. Brewer. D. S. Bethune. T. B. Nesmith. Jas. W. Oliver. W. P.Gaddis. Name of Bank. First Natl. Bk. AtDecatur First Natl. Bk. First Natl. Bk. Planters' & Merchants' Bk. At Montgomery. At Tallapoosa. See Tuscumbia. At Luverne, Bk. of Luverne. Jackson Co. Bk. At Union Springs. City Natl. Bk. At Decatur, First Natl. Bk. At Mobile. Isbell Natl. Bk. Farmers' & Merchants' Bk. Merchants' Natl. Bk. Colbert Co. Bk. Bk. of Tuskegee. Merchants' & Farmers' Bk. At Aberdeen, Miss. At Roanoke, Bk. of Roanoke. Bk. of M. Hohenberg & Co. Cashier. A. M. Baldwin. W. W. Littlejohn. Orrin Brown. H. M. Sessions. H. Polmar. A. H. Coffey. A. G. Parrish. W. W. Littlejohn. R. L. Ivey. L. M. Baslinsky. Glenn Foster. J. H. Bemis. J. H. Drakeford. J. H. Rainer, Jr. B. F. Weathers. DIGEST OF ALABAMA COMMERCIAL LAWS. Assignment*. Every general assignment made by a debtor, by which a preference or priority of payment is given to one or more creditors over the remaining creditors, shall be and inure to the benefit of the creditors equally. No preferences. Attachments. Attachments may issue when defendant resides out of the State, or absconds, or secrets himself so that the ordinary process of law cannot be served on him ; or is abdut to remove out of the State ; or is about to remove his property out of the State, so that plaintiff will probably lose his debt or have to sue for it in another State ; or is about fraudulently to dispose of his property ; or has fraudulently disposed of his property ; or has moneys, property or effects, liable to satisfy his debts, which he fraudulently withholds. Bank Laws. Banks of discount and deposit may be established under the general incorporation laws, but must be wound up at the end of twenty years. Depositors not claiming interest are preferred creditors in case of insolvency. Any number of persons (not less than three stockholders) may associate themselves together to establish a bank of deposit and discount ; their capital stock to be not less than $50,000, of which not less than twenty per cent., and in no case less than $25,000 must be actually paid by the subscribers for stock before the filing of the declaration of incorporation. A transcript of the declaration of incorporation must also be THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. ALABAMA CONTINUED. filed in the office of the Secretary of State, who issues to the incorporators a certificate of incorporation. A stockholder is liable for the debts of the bank only to the extent of unpaid stock. It is made an offense punishable by fine for any bank, or officer of a bank of any kind, to receive deposits when the bank or person doing such banking business is in a failing or insolvent condition. Any banker who discounts a bill or note at a greater rate than 8 per cent, cannot enforce the collection of same except as to the principal, and if any interest has been paid it must be deducted from the principal. Exemptions. A resident of Alabama is entitled to a homestead not exceeding in value $2,000 and in area 160 acres ; and if he leaves surviving him a widow and minor child or children, or either, during the life of the widow and minority of the child or children, such property continues exempt from levy and sale for his debts. Personal property to value of $1,000 and wages to $25 per month are also exempt. Interest. Legal rate is 8 per cent. In case of usurious contract where usury is pleaded, all interest forfeited and defendant recovers full costs. Legal Holidays. Sunday, Christmas, February 22d, July 4th, January 1st, Thanks giving Day, Mardi-Gras, Good Friday, Birthdays of General Lee and Jefferson Davis, and Memorial Day (April 26th). Limitation of Actions. Judgments, twenty years ; actions founded upon any con- tract or writing under seal for the recovery of lands, tenements, hereditaments, or any part thereof, actions against officers, ten years ; actions on contracts in writing not under seal, for loans and upon stated or other liquidated accounts ; for use and occupation of lands ; against attorneys-at-law for failure to pay over money ; upon judgments obtained before justices of the peace of this State, six years ; for money due by open or unliquidated account, three years. married Women. All property acquired by the wife before marriage, and all property acquired after marriage by gift, grant, inheritance or devise, remains her sole estate, and is liable for all debts contracted before marriage, also for articles of comfort and support of the household for which the husband would be liable. Xotarial Fees. Protest $1.50, and fifty cents each endorser. Xotes and Bill* of Exchange. Promissory notes payable at a bank or a certain place of payment therein designated, and bills of exchange are governed by the commercial law. All other instruments payable at a bank, or other designated place of payment, are governed by the commercial law as to days of grace, protest and notice. Three days of grace allowed on commercial paper and on sight bills. If last day of grace falls on a holiday, paper is due the next business day. No acceptance valid unless in writing. Damages on protest for non-acceptance or non- payment, five per cent. This covers all charges except interest. Stay of Executions. On sums less than $20.00, thirty days ; over $20.00, sixty days. Transfer of Corporation Stocks. 1. Shares of stock in corporation are personal property, transferable on the books of the corporation in such manner as is required by the By-Laws, or regulations of the corporation. 2. When the charter, By-Laws or regulations of private corporations require the transfer of the stock to be made on the books of the corporation, no transfer of stock is valid as against bona fide creditors, or subsequent purchasers, without notice, except from the time such transfer shall have been registered. 3. It is the duty of every corporation to THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. ALABAMA CONTINUED. require the transfer of its stock to be made on its books ; and persons holding stock not so transferred or registered or holding any stock under hypothecation, mortgage or other lien must have the same made or registered on the books of the corpora- tion, or upon failing to do so within fifteen days, all such transfers, hypothecations, mortgages or other liens shall be void as to bona fide creditors, or subsequent pur- chasers without notice. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. ARIZONA. County Seat. County. Name of Ally. Name of Bank. Cashier. Flagstaff* Coconino. T. G. Morris. Arizona Central Bk. J. H. Hoskine, Jr. Florence Final. W. R. Stone. See Phoenix. Globe Gila. P.T.Robertson. Old Dominion Com!. Go. A. Bailey. Kiiigman Mohave. W. G. Blakely. See Flagstaff. Phoenix Maricopa. Chas. F. Ainsworth. Phoenix Nat). Bk. A. H. Harscher. Prescott Yavapai. E. M. Sanford. Prescott Natl. Bk. R. C. Woodruff. St. Johns Apache. Geo. A. Estes. State Bk. of Arizona. A. F. Banta. Solomonsville Graham. C.E.Moorman. See Tucson. Tombstone Cocbise. A. R. English. See Tucson. Tucson Pima. C.W.Wright. Arizona Natl. Bk. M. P. Freeman. Ifuma Yuma. Geo. M. Knight. See Phoenix. DIGEST OF ARIZONA COMMERCIAL LAWS. Assignment*. Assignments shall provide for the distribution of all real and personal property, not exempt, among creditors in proportion to their respective claims. Preferences are void. Attachments. Attachments may issue when the action is on contract, express or implied, for the direct payment of money, made or payable in territory, and no security has been given for satisfaction of the payment to be rendered. It shall specify the character of the indebtedness, that same is due to plaintiff, over and above all legal set-offs or counter claims, and that demand has been made for the amount due ; or that defendant is indebted to plaintiff, stating the amount and character of debt ; that the same is due over and above all legal set-offs and counter claims, and that the defendant is a non-resident of the territory, or is a foreign corporation doing business therein ; or that an action is pending between the parties, and the defend- ant is about to remove his property beyond the jurisdiction of the court to avoid the payment of the judgment, and that the attachment is not sought for wrongful or malicious purposes, and the action is not prosecuted to hinder or delay any creditor of the defendant. Bank L.UIVS. Banks of discount and deposit may be incorporated under the general Corporation Act. Banking business may be carried on by individuals or firms, or by corporations organized for that purpose. The Territory Auditor is ex-officio bank comptroller. Every bank and banker shall make to the bank comptroller not less than three reports each year under oath. Exemptions. Head of family may hold real property, selected to the value of $4,000 and $1 ,000 worth of personal property. Interest. Legal rate 7 per cent, per annum, and by contract any rate may be fixed. There is no usury law. Legal Holidays. Sunday, January 1, February 22, May 30, July 4, December 25, Thanksgiving, General Territorial election, or special election called by the Gov- 10 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. AKIZON A CONTINUED. Limitation of Actions. To recover real estate, three years after cause accrued ; where founded on possession, two years. Three years for debt, where indebtedness is not evidenced by a contract in writing, upon stated or open accounts. All actions for which no limitation is prescribed, except to recover real estate, actions to con- test wills, and to cancel a will for forgery or fraud, two years after the discovery thereof. Five years, judgment or actions for debt evidenced by, or founded upon contract in writing, made within this territory, actions upon a judgment or upon an instrument in writing executed without this territory. New acknowledgment or promise must be in writing. Ularried Women. All property of a married woman, whether acquired before or after marriage, by gift, grant, inheritance, devise or otherwise, shall remain her so'e property so long as she wills. Said property is not liable for her debts or contracts unless said debts and contracts were made with special reference to its being liable. Notarial Fee. Protest $2.50 and 75 cents each notice. Notes and Bills of Exchange. All notes in writing shall be due and payable as therein expressed, and shall have the same effect and be negotiable in like manner as inland bills of exchange. The payees and indorsees of every such note payable to them or their order, and the holders of every such note payable to bearer, may maintain actions for the sums of money therein mentioned against the makers and indorsers of the same respectively in like manner as in cases of inland bills of exchange, and not otherwise. To charge a person within this territory as an accep- tor on a bill of exchange, his acceptance must be in writing, signed by himself or his lawful agent. Three days of grace shall be allowed on all bills. Paper matur- ing on a holiday becomes due the next business day. Damages for protested bills, 10 per cent. Stay of Executions. Three months by giving good security, Transfer of Corporation tocks. Transfer of stock shall not be valid except as between the parties thereto, until the same are regularly entered upon the books of the company, so as to show the names of the persons by whom and to whom the transfer is made, the numbers or other designation of the shares and date of the transfer. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 11 ARKANSAS. County Seat. County. A rkadelph f a . . Clark. Arkansas Clty.Desha. Augusta Woodruff. Name of Atty. Murry & Kinsworthy. Murphy & Gates. Stanley & Andrews. Batesville Independence Yancey & Fulkerson. Bo ii to 11 Saline. Bentoiiville . . .Benton. Berry vllle Carroll. Camden Oaacbita. Centre Point . .Howard. Clarendon Monroe. ClarksTllle Johnson. Clinton Van Buren Con way Faulkner. Corning Clay. Dallas Polk. Dardaiielle . . . .Yell. De Witt Arkansas. Dumas Deeha. Eldorado Union. EveningSliadeSbarp. Fayettevllle. . .Washington. Walker & Walker. Forrest City . . .St. Francis. N. W. Norton. . . Sebastian ..Ashley. ..Calhoun. . .Poinsett. A. D. Jones. W. D. Mauk. J. P. Fancher. Smead & Powell. W. D. Lee. Ewan, Manning & Lee. A. S. McKennon. S. W. Simpson. P. H. Prince. G. B. Oliver. F. M. Reeves. J. M. Parker. Gibson & Holt. Jas. Murphy. Jesse B. Moore. Sam. H. Davidson. Fort Smith... Hamburg Hampton Harrisburg . . Harrison Boone. Heber Clebnrne. Helena Phillips. Hot Springs... Garland. Huntsville Madison. Jasper Newton. JonesboroughCraighead. Lake Village.. Chicot. Little Kook....Pulaski. Lockesburg Sevier. Lonoke Lonoke. Magnolia Columbia. Ira D. Oglesby. Geo. W. Norman. C. L. Poole. Jno. J. Mardis. H.C.King. J. P. Wood. Quarles & Moore. Wood & Henderson. A. M.Brumfield. M. T. Briscoe. J. C. Hawthorne. Gaines & Street. Ratcliffe & Fletcher. Steel & Steel. Geo. Sibley. Stevens & Stevens. Jlalvern Hot Springs. N.P.Richmond. Marianna Lee. Clarion Crittenden. 3farsb.aH Searcy. Melbourne Izard. Montlcello Drew. -llorrlllton Conway. MOUNTAIN HOME.. Baxter. MOUNTAIN VIEW... Stone. E. D. Robertson. R. F. Crittenden. Albert Welborn. Jas. J. Baker. Wood & Matthews. C. C. Reid. M. N. Dyer. Ben. F. Williamson. Name of Bank. Elk Horn Bk. Desha Bk. Bk. of Augusta. Bk. of Batesville. Saline Co. Bk. People's Bk. Carroll Co. Bk. Ouachita Valley Bk. At Nashville, Howard Co. Bk. Merchants 1 & Planters' Bk. Bk.of Clarksville. See Morrillton. Bk. of Conway. Bk. of Corning. See Waldron. People's Bk. At Stuttgart, German Am. Bk. See Arkansas City. Bk. of Eldorado. See Batesville. Bk. of Fayetteville. Bk. of Eastern Arkansas. First Nat'l Bk. See Arkansas City. See Camden. See Jonesborough. Boone Co. Bk. See Searcy. First Nat'l Bk. Arkansas Nat'l Bk. Madison Co. Bk. See Harrison. Bk. of Jonesboro. See Monticello. Citizens' Bk. At Nashville, Howard Co. See Little Rock. Columbia Co. Bk. Bk. of Malvern. Lee Co. Bk. At Memphis, Tenn. See Yellville. See Batesville. Monticello Bk. Bk. of Morrillton. See Yellville. See Batesville. Cashier. W. E. Barkman. Henry Thane. L. J. Stacy. Jno. Q. Wolf. Jno. G. Still. Jas. M. Bohart. W. R. Hamilton. W. K. Ramsey. D. P. Terry. J. W.B.Robinson. Cortis L. Pyle. D. R. Fones. W. D. Polk. J. B. Crownover. J. W. Underwood. E. H. Smith. H. L. Gregg. Chas. H. Sanders. Jno. Vaile. H. C. King. S. S. Faulkner. Chas. N. Rix. W. T. Brooks. S. A. Warner, Jr. J. E. England. D. P. Terry. J. C. McNeill. F. M. Smith. R. H. Nail. R. F. Hyatt. W. J. Stowera. 12 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. ARKANSAS CONTINUED. County Seat. County. Mount Ida Montgomery Mu rfreesboro. .Pike. New IiOulsv'le.La Fayette. Newport Jackson. Osceola Mississippi. Ozark Franklin. Paragould Greene. Paris Logan. Perry ville Perry. Pine ISluiT. Jefferson. Pocahontas Randolph. Po what a 11 Lawrence. Prescott Nevada. Princeton Dallas. Richmond Little River. IS iso 11 Cleveland. llussellvllle Pope. Salem Fulton. Searcy White. Sheridan Grant. Star City Lincoln. Tex ark ana Miller. Van Itiiren Crawford. Vanndale Cross. Waldron Scott. Warren Bradley. Washington. . .Hempstead. ITellvllle Marion. Name of Atty. .Watkins & Witt. J.C.Pinnix. King & Searcy. Jno. W. & Jos. M. Stayton. S. S. Semmes. W. W. & Geo. A. Mansfield. Block & Sullivan. Jackson & White. J. F. Sellers. N. T. White. P. H. Crenshaw. Robert P. Mack. C. C. Hamby. R. T. Fuller. J. C. & H. C. Head. Atty. & Bk., see Pine Bluff. Davis & Son. Robert P. Maxey. Jno. T. Hicks. T. B. Morton. D. H. Rousseau. Arnold & Cook. Miles & Miles. T. E. Hare. W. W. Wallis. W. R. Quinney. A. B. &R. B.Williams. J. C. Floyd. Name of Bank. Cashier. See Hot Springs. See Prescott. Citizens' Bk. P. E. McRae. Bk. of Newport. R. M. Johnson. Bk. of Osceola. Jas. L. Hale. Arkansas Valley Bk. J. B. Carter. Greene Co. Bk. W. H. Ritter. Bk. of Paris. W. R. Cherry. See Morrillton. Merchants' & Planters' Bk. F. H. Head. At Black Rock, Bk. of Black Rock. Jay J. Bryan. At Black Rock, Bk. of Black Rock. Jay J. Bryan. Nevada Co. Bk. O. B. Gordon. At Fordyce, Bk. of Fordyce. C. McKee. At Hope, Hempstead Co. Bk. T. H. simms. First National Bk. Jas. E.Battenfleld See Yellville. People's Bk. T. B. Paschall. See Pine Bluff. See Pine Bluff. At Texarkana, Texas. Citizens' Bk. R. E. Brown. At Wynne, Cross Co. Bk. J. R. Perkins. See Paris. Merchants & Planters Bk. I. J. Adair. See Prescott. Bk. of Yellville. A. S. Layton. DIGEST OF ARKANSAS COMMERCIAL LAWS. Assignments. Assignments can be made of any property, real, personal or mixed, or choses in action, for the payment of debts. No preferences are allowed. Attachments. Attachments may issue when defendant is a foreign corporation or non- resident of the State, or has been absent from the State four months, or has departed from the State with intent to defraud his creditors, or has left the county of his residence to avoid the service of summons, or conceals himself that summons cannot be served upon him, or is about to remove or has removed his property, or a material part thereof, out of the State, not leaving enough therein to satisfy the claims of defendant's creditors, or has sold, conveyed or otherwise disposed of his property, or suffered or permitted the same to be sold, with the fraudulent intent to cheat, hinder and delay his creditors, or is about to sell, convey, or otherwise dis- pose of his property with such intent. But attachments will not be granted against a defendant on the ground that he is a non-resident, except in actions arising upon contract. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 13 x ARKANSAS CONTINUED. Bank Laws. Any number of persons, not less than three, may form a banking corpora- tion. Those proposing to form such a body must elect a board of directors, a presi- dent, secretary and treasurer, and adopt articles of association, which must be filed with the Secretary of State and with the clerk of the county in which the corpora- tion is to transact business, together with a certificate setting forth the purpose for which the corporation is formed, the amount of its capital stock, the amount paid in, the names of the stockholders, and the number of shares held by each. Stock- holders are only liable for the par value of the stock respectively held by them. Reports are required to be made showing the financial condition of the bank annually to the county clerk, and by him recorded in a book kept for that purpose, and a failure to make these reports renders the president and secretary individually liable for all debts of the bank during the period of such failure. Exemption*. The homestead outside of any city, town or village, shall consist of not exceeding 160 acres of land, with the improvements thereon, to be selected by the owner, not to exceed in value the sum of $2,500 ; and in no event shall the home- stead be reduced to less than eighty acres without regard to value. The homestead in any city, town, or village, shall consist of not exceeding one acre of land, with the improvements thereon, to be selected by the owner, not to exceed in value the sum of $2,500, and in no event shall such homestead be reduced to less than one- quarter of an acre of Ian- 1, without regard to value. Unmarried persons are entitled to $200, and married persons and heads of families to $500 of persona property. Interest. Legal rate is 6 per cent., but contracts may be made for any rate not exceeding 10 per cent. ; usury forfeits principal and interest. Legal Holidays. Sunday, July 4, Christmas and Thanksgiving, January 1, February 22, Birthday of Lee. Limitation of Actions. Accounts, three years ; notes and sealed instruments, five years (sealed instruments executed prior to March 2i>, 1889, ten years) ; judgments, ten years. A written acknowledgment of indebtedness and promise to pay, or a part payment, revives the debt. Limitations of actions for the recovery of real estate, seven years. Suits to foreclose mortgages or trust d.eeds are barred, unless brought within a period of limitation fixed by law for suit on the debt or liability for the security of which they are given. Married Women. All property of a married women, whether acquired before or after marriage, by gift, grant, inheritance, devise or otherwise, shall remain her sole property so long as she wills. Said property is not liable for her debts or contracts, unless said debts and contracts were made with special reference to its being liable. Notarial Fees. Protest, $1.65 ; fifty cents each notice ; twenty-five cents seal and post- age. Notes and Bills of Exchange. The general rules of commercial law prevail. Notes to be negotiable must be expressed to be for value received. Three days of grace are allowed. Paper due on holidays becomes payable on the preceding day. Protests are in common form and made by notary public. Acceptances thereof must be in writing. Any person upon whom a bill of exchange is drawn and to whom the same may be delivered for acceptance, who destroys such bill, or refuses within twenty-four hours after such delivery, or within such time as the holder may allow to return the bill accepted or unaccepted to the holder is deemed to have 14 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. ARK AN S AS CONTINUED. accepted the same. Damages, 2 per cent, on domestic bills, and on foreign, if payable in certain named states, 4 per cent. ; other points in United States, 5 per cent. Outside United States, 10 per cent. Bills of exchange protested for non-pay- ment or non-acceptance bear interest at the rate of 10 per cent, per annum. Stay of Execution. Three months by giving good security. Tranfer of Corporation Stocks. Stock of corporations can only be legally trans- ferred by endorsement on back of stock, and by transfer on the books of the cor- poration, and when any stockholder shall transfer his stock, a certificate of such transfer shall forthwith be deposited with the county clerk, and no transfer of stock shall be valid as against any creditor of such stockholder until such certificate shall have been so deposited. THE LEGAL AND FINANCIAL LIGHTT OF AMERICA. 15 CALIFORNIA. County Seat. County. Name of Atty. Alt lira* Modoc. D. W. Jenks. Auburn Placer. Ben. B. Tabor. Bakemfleld Kern. B. Brundage. Bridgeport Mono. W. 0. Parker. Colusa Colusa. H. M. Albery. Crescent City.. Del Norte. W. A. Hamilton. Do wiiie vllle. . . Sierra. Stanley A. Smith. Eureka Humboldt. Sevier Bros. Falrfleld Solano. G. A. Lamont. Fresno Fresno. Geo. E. Church. Haiiford Kings. Newman Jones. Holllst er San Benito. Briggs & Hudner. Independence loyo. D. W. Forbes. Jackson Omador. A. C. Brown. Lakeport Lake. M. S. Sayre. Los A ngelcs. ..Los Angeles. Allen & Flint. Madera Madera. F. H. Short. Marlposa Mariposa. L. F. Jones. Martinez Contra Costa. W. S. Wells. Marysvllle Yuba. Forbes & Dinsmore. Merced Merced. T. C. Law. Modesto Stanislaus. C.C.Wright. Napa Napa. Denn s Spencer. Nevada City... Nevada. Fred. Searles. Oakland Alameda. Metcalf & Metcalf. Oro vllle ........ .Butte. J. M. McGill. Placervllle ....Eldorado. Williams & Witmer. QuiiK-y Plamas. E. F. Hogan. Red HI 11 II*. Tehama. N. P. Chipman. Redding Shasta. Aaron Bell. Redwood City.San Mateo. Geo. C. Ross. Rlverhlde Riverside. Purington & Adair. Sacramento ...Sacramento. W. F. George. Salinas City . . . .Monterey. W. M. R. Parker. San Andreas ..Calaveras. J. H. Reed. SAN BERNARDINO .S.Bernardino.E. E. Rowell. San Diego San Diego. M. A. Luce. San Franclsco.SanFranciscoNorman H. Hurd. San Jose Santa Clara. Wilcox & Coolidge. SAN LUIS OBISPO.S.LuisObispo.W. H. Spencer. San Rafael Marin. Hepburn Wilkins. Santa Anna Orange. E. E. Keech. Santa BarbaraSantaBarbaraE. B. Hall. Santa Cruz Santa Cruz. C. B. Younger. Santa Kosa Sonoma. Rutledge & Pressley. Name of Bank. At Cedarville. Bk. of Cresslar & Bonner. Placer Co. Bk. Bk. of Bakersfield. See Madera. Colusa Co. Bk. See Yreka. At Forest City, Bk. of Chas. Heintzen. Randall Bnkg. Co. At Vallejo, Vallejo Coml. Bk. First Natl. Bk. Farmers' & Merch. Bk. Bk. of Hollister. See Visalia. At Lodi, Bk. of Lodi. Bk. of Lake. Farmers 1 & Merch. Bk. Coml. Bk. of Madera. See Merced. Bk. of Martinez. Rideout Bk. Coml. Savg. Bk. Modesto Bk. Bk. of Napa. Citizens 1 Bk. Central Bk. Bk. of Rideout, Smith & Co. Bk. of A. Mierson. See Oroville. Bk. of Tehama Co. Bk. of Shasta Co. Bk. of San Mateo Co. Orange Growers' Bk. Natl. Bk. of D. 0. Mills & Co. Salinas City Bk. See Stockton. Farmers' Exchange Bk. Bk. of Commerce. Bk. of California. First Natl. Bk. Andrews Bkg. Co Bk. of A. P. Hotaling. First Natl. Bk. Santa Barbara Co. Natl. Bk. City Bk. Santa Rosa Natl. Bk. Cashier. T. J. Nichols. J. J. Mack. W. P. Harrington. J. S. Murray. Jos. R. English. E. A. Walroud. B. A. Fassett. T. W. Hawkins. F. Cogswell. W. E. Greene. J. Milner. E. H. Cox. H. M. Hale. C. S. Brooks. M. S. Huffman. J. R. Bronghton. Henry Brown. Jno. T. Morgan. C. R. Yates. E. W. Fogg. Max Mierson. W. B. Gaboon. C. C. Bush. L. P. Behrens. H. T. Hays. C. F. Dillman. W. S. Johnson. S. F. Zombro. C. W. Jorres. Thomas Brown. L. G. Neemith. J. W. Smith. S. M. Augustine. J. A. Turner. E. 8. Sheffield. W. D. Haslam. F. A. Brush. 16 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. CALIFORNIA CONTINUED. County Seat. County. Sonora Tuolumne. Stockton SanJoaquin. Susan ville Lassen. Uklali Mendocino. Ventura Ventura. Visalia Tulare. "Weaver ville . . .Trinity. "Willows Glenn. "Woodland Yolo. Yreka Siskiyou. Ynba City Sutler. Name of Atty. Street & Street. Baldwin & Thompson. Goodwin & Goodwin. J. A. Cooper. Barnes & Selby. Daggett & Adams. J.B. Philbrook. Dudley & Long. Frank E. Baker. Jas. F. Farraher. M. E. Sanborn. Name of Bank. See Modesto. Farmers' & Merch. Bk. Bk. of Lassen Co. Bk. of Ukiah. Bk. of Wm. Collins & Son. Bk. of Visalia. Bk. of C. W. Smith. Bk. of Willows. Bk. of Yolo. Siskiyou Co. Bk. Farmers' Co-operative Union. Cashier. C. H. Keagle. H. W. Meylert. Samuel Wheeler. Jno. S. Collins. C. J. Giddings. B. H. Barton. C. W. Bush. F. E. Wadsworth. C. R. Boyd. DIGEST OF CALIFORNIA COMMERCIAL LAWS. Assignments. An insolvent debtor may, in good faith, execute an assignment of property to one or more assignees, in trust, for the satisfaction of his creditors. A debtor is insolvent when he is unable to pay his debts from his own means as they become due. A debtor may pay one creditor in preference to another, or may give one creditor security for the payment of his demand in preference to another. Attachments. An attachment may issue in an action upon a contract, express or implied, for the direct payment of money, where the contract is made or payable in this State, and is not secured by any mortgage or lien upon real or personal property, or any pledge of personal property, or, if originally so secured, such security has, without act of the plaintiff or the person to whom the security was given, become valueless. In an action upon a contract, expressed or implied, against a defendant not residing in this State. Bank Law*. Corporations may be formed under the general laws for banking purposes. No corporation, association, or individual shall issue or put in circulation as money anything but the lawful money of the United States. Bank commissioners must annually examine the affairs of all banks. All banks are required to make semi- annual reports to the bank commissioners on the 20th of January and the 20th of July. There must be published semi-annually a statement of the capital, condition and assets of every bank or banker. Every banking corporation must keep in its office, in a place accessible to its stockholders, depositors, and creditors, a book containing a list of its stockholders, and the number of shares held by each. It must also post in a conspicuous place in its office a notice signed by the president or secretary, giving the names of the directors of the corporation and the number and value of shares held by each. The capital must be paid in money. The directors of a bank making a false statement in the above mentioned certificates shall be liable personally to the persons thereafter doing business with the bank. All foreign banking corporations must make similar statements to those required by local banks, verified by the agent or manager of the business, resident in California, and he shall be subject to the same liabilities provided against directors and officers for false statements. No bank failing to comply with the provisions of this law can prosecute any action in the courts. There is no limitation THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 17 CALIFORNIA CONTINUED. of the right to sue a bank, banker, trust company, saving8 or loan association for money or property deposited with them. Exemptions. The head of a family is entitled to a homestead not exceeding $5,000 ; one not a head of a family to a homestead not exceeding $1,000 in value. Interest. Legal rate is 7 per cent, per annum, but any rate may be contracted for. There are no usury laws. Legal Holidays. Sunday, January 1, February 22, May 80, July 4, September 9, December 25, any public fast, Thanksgiving, Labor Day, State or General Election Day. Limitation of Aetion. Upon a judgment and for mesne profits of real property, "five years ; upon any contract, obligation or liability founded upon an instrument in writing, executed in this State, four years ; upon a liability created by statute other than a penalty or forfeiture, for trespass upon real property ; for taking, detaining or injuring any goods or chattels, including actions for the specific recov- ery of personal property ; for relief on the ground of fraud or mistake, and the cause of action does not accrue until the discovery of fraud or mistake, three years; upon a contract, obligation or liability not founded upon an instrument of writing, or founded upon an instrument of writing executed out of this State, two years. Married Women. No special law. Notarial Fees. Protest $4.00, and $1.00 for each endorser additional. Notes and Bills of Exchange. Bills of exchange and promissory notes, bank notes, checks, bonds, and certificates of deposit are negotiable instruments. Paper matur- ing on a holiday becomes payable the business day after. Days of grace not allowed. Acceptances must be in writing by the drawee or by an acceptor for honor, and may be made by the acceptor writing his name across the face of the bill with or without other words. The acceptance of a bill of exchange by a sep- arate instrument binds the acceptor to one, who, upon the faith thereof, has the bill for value or other good consideration. The protest of a notary under his hand and official seal, is prima fade evidence of the facts contained therein. A bill of exchange, if accepted with the consent of the owner by a person other than the drawee, or an acceptor for honor, becomes, in effect, the promissory note of such person, and all prior parties thereto are exonerated. If a promissory note, payable on demand or at sight, without interest, is not duly presented for payment within six months from its date, the indorsers thereof are exonerated, unless such presenta- tion is excused. Stay of Executions. It is within the power of the court to grant a stay for a reason- able time. Transfer of Corporation Stocks. By endorsement, delivery and transfer on books of corporation. 18 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. County Seat. County. Akron Washington. Aspen Pitkin. Boulder Boulder. Breckeiirld ge . Summit. Hue 11 a Vista. . .Chaffee. Burlington Kit Carson. Canon City Fremont. Castle Rock . . .Douglas. COLORADO. NameofAtty. Name of Bank. Cashier. Muntzing & Skelton. Bk. of Akron. R. H. Northcott. E, C. Stimson. First Natl. Bk. Thos. 6. Lyeter. B. M. Williams. First Natl. Bk. W. H. Thompson. W. M. Clark. Engle Bros. Exchange Bk. Geo. Engle. G. K. Hartenstein. Bk. of Buena Vista. A. C. Wallace. T. J. Edwards. Bk. of Burlington. Chas. E. Paris. Chas. D. Bradley. First Natl. Bk. A. M. Hawley. A. G. Webster. See Denver. Central City ...Gilpin. Chas. Withrow. First Natl. Bk. F. H. Messinger. CHEYENNE WELLS.Cheyenne. Chas H. Farrell. Cheyenne Co. Bk. W. L. Patchen. Colorado Springs. .1 Paso. H. M. Black. First Natl. Bk. J. A. Hayes. Conejos Conejos J. W. Hughes. At Alamosa, First Natl. Bk. Wm. F. Boyd. Cortez Montezuma. C. W. Blackmer. At Dolores. J no. J. Harris & Co.'s Bk. Del Norte Rio Grande. E.F.Richardson. Bk. of Del Norte. J. G. Huntington. Delta Delta. King & Robertson. Delta Co. Bk. E. L. Kellogg. Denver Arapahoe. Benedict & Phelps. American Natl. Bk. H.Evans. Dnrango LaPlata. Russell & Ritter. First Natl. Bk. Wm.P.Vaile. Fair Play Park. Chas. A. Wilkin. At Alma, Bk. of Alma. J. H. Singleton. Fort Collins... Larimer. Robinson & Love. First Natl. Bk. G. A. Webb. Fort Morgan. .Morgan. Wm. A. Hill. State Bk. of Ft. Morgan. Jno. T. Ross. Georgetown ...Clear Creek. A. D. Bullis. Bk. of Georgetown. H. Seifried. Glenwood Springs.. Garfield. J.T.Shumate. First Natl. Bk. J. H. Fessler. Golden Jefferson. W. A. Dier. Bk. of Woods. Wilson & Rub ey. GRAND JUNCTION.. Mesa. W.S.Wallace. First Natl. Bk. J. F. McFarland. Greeley Weld. McCreery & Todd. Greeley Natl. Bk. Chas.H. Wheeler. Gunnlson Gunnison. T. C. Brown. First Natl. Bk. E. P. Shove. Hall 11 '8 Peak.. Rout. R.G.Wallace. At Craig, Bk. of Craig. C.A.Seymour. Holyoke Phillips. W. D. Kelsey. Farmers & Merchants Bk. S. Z. Peck. Hot S 11 Jpli iii- Sprlngs.. Grand. Morrison & Filius. See Georgetown. Hugo Lincoln. James Reeves. See Denver. Julesburg Sedgwick. J. S. Carnahan. Citizens' Bk. E.D.Hamilton. Klowa Elbert. See Castle Rock. See Denver. Lake City Hinsdale. Chas. McDougal. Miners & Merchants Bk. Henry Derst. La Junta Otero. Fred. A. Sabin. La Junta State Bk. M. Z. Farwell. Lamar Prowers. C. C. Goodale. First Natl. Bk. W.C.Gould. Las Anlinas...Bent. Allen M. Laoibright. Bent Co. Bk. P.G.Scott. Leadvllle Lake. John A. Ewing. Carbonate Natl. Bk Geo. W. Trimble. Meeker Rio Blanco. M.T.Ryan. Bk. of Meeker. A. C. Moulton. Montrose Montrose. Sherman & Twitched. First Natl. Bk. E. L. Osborn. On ray Ouray. Story & Stevens. Miners & Merchants Bk. E. J. Bent. PAGOSA SPRINGS.. Archuleta. See Durango. See Durango. Pueblo Pueblo. Chas. E. Gast. First Natl. Bk. R. F. Lytle. Red ClIflT. Eagle. C.K.Phillips. See Leadville. Rico Dolores. J. H. Pulliam. Rico State Bk. T. F. Neeley. Saguache Saguache. Chas. B. Phillips. Saguache Co. Bk. Chas. Tarbell. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 19 COLORADO CONTINUED. County Seat. County. San LiUls Costilla. Sberldan LakeKiowa. Silver Cliffs.... CuBter. Sllverton San Juan. Springfield Baca. Sterling Logan. Toll uride San Miguel. Trinidad Las Animas. Walsenbnrg. . .Huerfano. Waso 11 Mineral. Y ii in 11 . ..Yuina. Name of Atty. See Trinidad. J. S. Booker. H. Townsend. Edgar Buchanan. J. W. White. H. D. Hinkley. S. R. Fitzgerald. W. B. Morgan. J. A. J. Valdes. M. S. Beale. Barnes & Muntzing. Name of Bank. See Walsenburg. Citizens Bk. At Westcliffe, Bk.of H. H. Tompkins & Co. First Natl. Bk. See Lamar. Logan Co. Bk. Bk. of Telluride. First Natl. Bk. Bk. of Fred. Walsen. At Creede, First Natl. Bk. Bk. of Yuma. Cashier. J. H. Slater. G. B. Beardsley. J. H. Werkheiser. L. T. Gillett. W. E. Wheeler. H. J. Alexander. P. E. Moss. J. E. Black. B. F. Durham. DIGEST OF COLORADO COMMERCIAL LAWS. Assignments. Assignments must be made for the benefit of all creditors. No prefer- ences are allowed. Attachments. Suit may be brought by attachment on overdue accounts and overdue paper for the direct payment of money, and where the defendant is a non-resident of this State, and in certain other cases, and upon debts not yet due where fraud on the part of the defendant alleged and proven ; but the plaintiff must give bond in double the amount claimed for all damages in case the suit was improvidently com- menced. Bank Law*. Any number of persons, not less than three, may establish a bank of dis- count and deposit, and savings bank, or a trust, deposit and security association in this State under the general corporation laws of the State. Capital stock must not be less than $30,000, fifty per cent, to be paid in before opening, and the bal- ance within one year thereafter. Shareholders in all banks in this State are held individually liable for all obligations of the bank, in double the amount of the par value of the stock owned by them respectively. Exemptions. Every householder, being the head of a family, is entitled to a homestead exempt from execution and attachment, not exceeding the value of $2,000. The homestead may consist of a house and lots in any town or city, or a farm of any number of acres not exceeding the homestead value. Also personal property, tools, etc., to the value of $500 ; persons not heads of families are entitled to $300 of tools, working animals and stock in trade. Interest. Legal rate is 8 per cent, per annum, but parties may contract for any other or higher rate. There are no usury laws. Legal Holidays. Sunday, January 1, February 22, May 30, July 4, December 25, Thanksgiving, Labor Day, and Saturday afternoons during June, July and August. 20 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. COLOEADO CONTINUED. Limitation of Actions. All actions on contracts, judgments of courts of record, for arrears of rent, for waste or trespass on land, replevin, all actions which would have been on the case at common law, must be commenced within six years. Actions for a balance upon an open account in six years after the last item. Limitations apply to set off as well as demand. In actions accruing outside the State on contracts, sealed instruments or judgments more than six years before the commencement of the the action the statute of limitation may be pleaded in bar. Married Women. A married woman may acquire and hold real and personal property independently of her husband, and not subject to his debts. She may sue and be sued in her own name, and convey her separate estate without the husband joining in the deed. The right of dower is abolished. Notarial Fees. Protest, $1.75, and for notices fifty cents each. Notes and Bills of Exchange. Bills of exchange, notes, etc., are assignable by indorsement, and the assignee may maintain the same kind of an action against the maker as could have the payee. A non-negotiable note cannot be made. No maker of any note, bond, etc., shall be allowed to allege payment to the payee made after notice of assignment as a defense against the assignee. Three days' grace on bills of exchange and notes by contract. None on sight drafts or checks. Paper matur- ing on holiday is payable the day previous. Protest necessary on bills of exchange drawn in this State upon non-residents. Damages for non-acceptance or non-pay- ment, 10 per cent. Transfer of Corporation Stocks. The shares of stock shall not be less than $1.00, nor more than $100 each, and shall be deemed personal property, and transferable as such in the manner provided by the By-Laws. Transfers and pledges of stock must be entered upon the books of the company. The practice is to endorse trans- fer on back of stock, and also to note transfer on books of the company. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 21 CONNECTICUT. County Seat. Bridgeport.... Brooklyn Hartford Lltclineld TOlddletown.. New Haven. . . New London. Tolland . . . County. Name of Ally. .Fairfield. Hollister & Kelsey. .Windham. H. C. Atwood. .Hartford. Hyde, Joslyn & Gilman. .Litchfield. Jno. T. Hubbard. .Middlesex. Arthur B. Calef, Jr. .Ne\v Haven. Morris & Tyler. .New London. Chas. W. Butler. .Tolland. Edwin S. Argard. Name of Sank. First Natl. Bk. Brooklyn Savings Bk. Aetna Natl. Bk. First Natl. Bk. First Natl. Bk. Natl. Tradesmen's Bk. Natl. Bk. of Commerce. Savings Bk. of Tolland. Cashier. O. H. Brothwell. C. A. Potter. A. Spencer, Jr. Chas. E. Wilson. E. G. Camp. W. T. Fields. Geo. B. Brest. F. T. Newcomb. DIGEST OF CONNECTICUT COMMERCIAL LAWS. Assignment*. Assignments in insolvency are made to an assignee. Attachments. Attachments are by rnesne or foreign process. They are made upon the personal or real property of defendant, or upon his body if the cause of action permits it. Wages to the extent of $50 are exempt from attachment. Bank Laws. Banks cannot be organized in this State except by special charter of the Legislature. There are two Bank Commissioners, appointed by the Governor, with the advice and consent of the Senate ; and they have full power to at any time visit each bank and examine its affairs, and are required so to do twice in each year These commissioners make annual reports to the Legislature concerning the condition of each bank. Exemptions. Homestead to the value of $1,000 is exempt, if declaration to hold it as such is recorded Of the property of any one person, his necessary apparel and bedding and household furniture necessary for supporting life ; arms, military equipments, uniforms, or musical instruments owned by any member of the militia for military purposes ; and pension moneys received from the United States, while in the hands of the pensioner ; implements of the debtor's trade ; his library ; not exceeding $500 in value ; cattle, poultry, etc , not to exceed $325 in value ; certain specified family stores ; the horse of any practicing physician or surgeon, of a value not exceeding $200 and buggy ; one boat used in the business of planting or taking oysters or clams, or shad, with the sails, tackle, rigging, and implements used in said business, not exceeding in value $200 ; one sewing machine in use ; one pew in church in use, and lots in burying ground, appropriated by its owner for the burial place of any person or family ; so much of any debt which has accrued by reason of the personal services of the debtor as shall not exceed $50. Interest. Legal rate is G per cent. No penalty for usury. Legal Holidays. Sunday, January 1, February 22, May 30, July 4, Labor Day, Thanksgiving, December 25, Fast Day. Limitation of Actions. Actions upon writings under seal, or non-negotiable promis- sory notes, must be brought within seventeen years ; upon simple contract within six years. But persons legally incapable of bringing an action at the time of the 22 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. CONNECTICUT CONTINUED. accruing of the right of action, may bring the same at any time, in the case of specialties, within four years, and in the case of simple contracts, within three years, after becoming legally capable. Actions founded on express contract (other than actions of book debt) not in writing, must be brought within three years. Actions upon negotiable notes, fraudulently obtained, must be brought within one year after notice of the fraud, or six months after maturity. Married -Women. A married woman may make contracts in her own name, buy goods, and give notes in settlement for purchases which will be binding upon her separate estate, real or personal, if these contracts and purchases are made for the benefit for herself, her family, or her estate. Notarial Fees. Protest $1.00 and twenty-five cents for each notice, also postage and travel. Notes and Bills of Exchange. Promissory notes made payable to order or bearer for the payment of money only, are negotiable. Xo days of grace, unless specified, are allowed on non-negotiable notes, or on paper payable at sight, or on demand. Paper maturing on a holiday becomes due the day preceding. A negotiable prom- issory note payable on demand is regarded as dishonored, if unpaid four months after date. Demand and reasonable notice are necessary to bind endorsers. Dam- ages for protested biJls, foreign, are from 2 to 8 per cent, according to location of state where protested. Protests of inland bills of exchange and promissory notes, protested without this state, shall be prima facie evidence of the facts therein stated. Transfer of Corporation Stocks. By endorsement on the back of stock, and by transfer on the books of the corporation. A transfer by simple endorsement would be good as between the parties, but until its transfer on the books of the corpora- tion, it is liable to attachment in suit against tne original holder. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 23 DELAWARE. County Seat. County. NameofAtty. Name of Bank. Cashier. Dover Kent. James Pennewill. First National Bk. J. H. Bateman. Georgetown... Sussex. E. R. Paynter. Farmers' Bk. W. F. Tunnell. Wilmington . .New Castle. L. c. Vandegrift. Union Natl. Bk. Jno. H. Danby. DIGEST OF DELAWARE COMMERCIAL LAWS. Assignment*. Voluntary assignments for the benefit of creditors may be made. No preferences are allowed. Attachments. A writ of domestic attachment may issue against an inhabitant of this State when the defendant cannot be found and proof satisfactory to the court of the cause of action, or upon affidavit made by the plaintiff or some other credible per- son and filed with the prothonotary that the defendant is justly indebted to the plaintiff in a sum exceeding fifty dollars, and has absconded from the place of his usual abode or gone out of the State with intent to defraud his creditors or to elude process, as it is believed. A writ of foreign attachment may issue against any person not an inhabitant in this State after the return to a summons or capias issued or delivered to the sheriff or coroner ten days before the return thereof and showing that the defendant cannot be found and proof satisfactory to the court of the cause of action ; or upon affidavit made by the plaintiff or some other credible person and filed with the prothonotary that the defendant resides out of the State, and is justly indebted to the said plaintiff in a sum exceeding fifty dollars. Bank Laws. There is no general banking act and but one State bank, which was char- tered by the Legislature in 1807. There are no official examinations, and the bank is merely required to make a yearly report of its condition to the Governor of the State. Banking companies can only be formed by special act of the Legislature, and the holders of stock therein are taxed at the rate of one-fourth of one per centum on the cash value of each share of capital stock. Exemption*. No homestead law. Personal property, etc., to value of $75 is exempt, depending upon the county in which the debtor resides. In addition to the above, personal property, not exceeding in value $200, is exempt from execution process where debtor is the head of a family. In some of the counties the amount does not exceed $150. Wages are exempt from execution attachment in New Castle county. Interest. Legal rate, 6 per cent. Usury forfeits principal and interest. If any bank in- corporated by any law of this State shall engage in any transaction the amount of profit of which shall exceed the rate of 1 per cent, for sixty days, such bank shall be deemed and taken to have forfeited its charter, and the directors or managers of the bank shall be guilty of a misdemeanor, and shall be fined at the discretion of the court. Legal Holidays. Sunday, Christmas, January 1, February 22, July 4, May 30, Thanks- giving, Labor Day. 24 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. DELAWAKE CONTINUED. Limitation of Actions. No action of trespass, replevin, detinue, no action of debt not found upon a record or specialty, no action of account, no action of assumpsit, nor action on the case can be brought after expiration of three years from the occur- ring of the cause of action. When the cause of action arises from a promissory note, bill of exchange or an acknowledgment of the party of a subsisting demand, the action may be commenced at any time within six years from the accruing of such action. All actions for the recovery of real property may be brought within twenty years from the occurring of such cause of action. Married Women. No special law. Notarial Fees. Protest $1.25 and twenty cents each notice. Notes and Bill** of Exchange. All checks, notes, drafts or inland bills of exchange, payable without time or at sight, are due and payable on presentation without grace. Three days grace is allowed on notes and bills, none on sight drafts. Notes due on a holiday must be paid the business day next preceding. To hold indorser, note must be duly presented, and notice of dishonor given to indorser. Stay of Execution. On judgments for want of affidavit of defense ; six months if security be given within twenty days after judgment. Transfer of Corporation Stocks. Certificates of stock are deemed personal property, and are transferable on the books in such a manner as the by-laws provide. Transfers as collateral security must be so entered upon the books. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 25 DISTRICT OF COLUMBIA. County Seat. County. NameofAtty. Name of Bank. Cashier. Washington ..Washington. Gordon & Gordon. Central Natl. Bk. A. B. Raff. DIGEST OF DISTRICT OF COLUMBIA COMMERCIAL LAWS. Assign meiits. Voluntary assignments for the benefit of creditors may be made at com- mon law, except that no preferences are allowed. No bankruptcy or involuntary assignment law in force. Attachments. Writs of attachment are issued when defendant is a non-resident of the District ; or evades the service of ordinary process by concealing himself, or with- drawing from the District temporarily ; or that he has removed, or is about to remove, some of his property from the District, so as to defeat just demand against him, or has assigned, disposed of, secreted, or is about to assign, dispose of, or secrete property with intent to defraud his creditors. Bank Laws. There is no statutory provision regulating banks, private or other, except that savings banks may be incorporated under the general statute, and when so incorporated they may continue for twenty years. Exemptions. No homestead law. In addition to wearing apparel, etc., household furniture to the value of $300, implements of debtor's trade or business to the value 01 $200, stock for carrying on business to amount of $200. one horse, harness and cart, wagon or dray, and earnings of married men or heads of families, not to exceed $100 per month. Interest. Six per cent, per annum is the legal rate ; parties may agree in writing for any interest not exceeding 10 per cent. The penalty for usury is forfeiture of the whole of the interest, which may be recovered by corporation or person paying same by suit brought within a year after such unlawful interest has been paid. Legal Holidays. Sunday, January 1, February 22, July 4, Labor Day, Thanksgiving, Christmas, Inauguration Day, and every Saturday afternoon and Decoration Day. Limitation of Actions. Actions to recover usurious interests must be brought within one year ; actions upon simple contract, book debt or account, detinue and replevin, and for trespass for injuries caused by negligence, must be brought within three years ; actions on contracts under seal and on judgments must be brought within twelve years ; to foreclose mortgage or deed of trust within twenty years. Notarial Fee. Protest, $1.50, and twenty-five cents for each notice. Xotes and Bills of Exchange. Law-merchant is in force as to presentation, indorse- ment, protest, etc. Three days' grace allowed on all commercial paper except checks and sight drafts. Paper maturing on a holiday is payable on business day previous. Inland bills of exchange and promissory notes, as well as foreign bills of exchange, may be protested by notaries public. Transfer of Corporation Stocks. By endorsement on the back of stock and by a transfer on the books of the corporation. 26 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. FLORIDA. County Seat. County. Apalachlcola. .Franklin. Arcadia De Soto. Bartow Polk. Bio 11 11 t*t own .('a 11 1< mil. Bristol Liberty. Bronson Levy. Brooks vllle Hernando. BraldentoAvn. Manatee. Cerro Gordo... Holmes. Crawfordvllle.Wakulla. Dade City Pasco. De Fuiilak Springs.. Walton. De Land Voluaia. Fernandlna. . . .Nassau. Gainesville Alachua. Oreen Cove Clay. Inverness Citrus. Jacksonville . . .Dnval. Jasper Hamilton. Key West Monroe. Klsslmmee Osceola. Lake City Columbia. Live Oak Suwannee. Maclenny Baker. Madison Madison. Mariaima Jackson. Miami Dade. Milton Santa Eosa. Montlcello Jefferson. Myers Lee. New Troy Lafayette. Oca la Marion. Orlando Orange. Palatka Putnam. Pensacola Escambia. Perry Taylor. Q u i lie y Gadsden. St. Augustine .St. Johns. Starke Bradford. Sumtervllle Sumter. Tallahassee Leon. Tampa Hillsboro'. Tavares Lake. Titus ville Brevard. Vernon Washington. Name of Atty. W. F. Farley. E. B. Carlton. Wilson & Wilson. A. P. Higgins. W. B. Sheppard. J. C. Sale. W. S. Jennings. J. H. Humphries. N. R. Walker. J.A. Hendley. D. Campbell. Stewart & Bly. Baker & Drew. Horatio Davis. P.O. Fisher. A. C. Clark. B. B. Archibald. B. B. Blackwell. E. 0. Locke. E. G. Beggs. W. M. Ives. H. B. Blackwell. See Lake City. A. Patterson. F. B. &J. H. Carter. See Palm Beach. C. J. Perrenot. D. A. Finlayson. R. Mickle. John Miller. W. S. Bullock. Beggs & Palmer. R. W. Davis. Wm. Fisher. Jno. M. Gornto. P. W. White. W. W. Dewhurst. L. R. Rhodes. J. C. Longley. Henderson & Raney. P. 0. Knight. Alex. St. Clair Abrams. Minor S. Jones. Wm. B. Jones. Name of Bank. See Tallahassee. Bk. of Simmons, Carlton & Co. Polk Co. Natl. Bk. See Marianna. Sea Marianna. See Gainesville. Brooksville State Bk. At St. Petersburg, St. Petersburg State Bk. See Vernon. See Tallahassee. Bk. of Pasco Co. See Vernon. Volusia Co. Bk. First Natl. Bk. First Natl. Bk. See Starke. See Ocala. Natl. Bk. St. of Florida. Bk. of Blackwell & Co. First Natl. Bk. Osceola Co. State Bk. Bk. of Wm. R. Bush. Live Oak Bk. See Lake City. See Monticello. Bk. of W.J.Daniel & Co. At Palm Beach, Dade Co. St. Bk. See Pensacola. Jefferson Co. St. Bk. At Punta Gorda, Punta Gorda Bk. See Live Oak. Merchants' Natl. Bk. First Natl. Bk. East Florida S. & Tr. Co. First Natl. Bk. See Monticello. Quincy State Bk. First Natl. Bk. Bradford Co. Bk. At Leesourg, Bk. of Leesburg. First Natl. Bk. Exchange Natl. Bk. Bk. of Tavares. Indian River State Bk. See Marianna. Cashier. R. E. Whidden. Warren Taylor. H. A. Bishop. W. I. Porter. F. E. Bond. R. C. Cooley. H. E. Tayler. T. P. Denham. Geo. L. Lowe. P.A.Vans. Agnew H. M. Wood. W. H. Milton, Jr. Geo. L. Braming. R. F. Smith. Jno . H. Farrington H. C. Wright. Jas. L. Giles. E. S. Crill. J. S. Leonard. Geo. D. Munroe. H. Gaillard. N. W. Hackett. Yager Bros. W. C. Lewis. J. B. Anderson. C. H. Newell. Wm. M. Brown. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 27 FLOKID A CONTINUED. DIGEST OF FLORIDA COMMERCIAL LAWS. Assignments. Assignments may be made by deed and recorded in the clerk's office of the county in which the property is situated. Not valid unless in writing and providing for an equal disposition of all assignor's property, both real, personal or mixed, except such as is by law exempt from levy and sale among his creditors. Attachments. Attachments may issue when defendant is removing or about to remove either himself or his property without the limits of the State or the judicial circuit in which he resides, or lives without the limits of the State, or is secreting or fraudulently disposing of his property, or that he will fraudulently dispose of his property before judgment can be obtained against him, or conceals himself so as to avoid service of process. Bank Laws. Banking corporations may be established by five or more persons, in any incorporated town or city having 3, 000 or more inhabitants with a capital of not less than $50,000. In towns of not less than 3,000 inhabitants the capital may, with the Comptroller's approval, be not less than $15,000. Savings banks may not have less than $20,000 capital. Banks are formed as other corporations are, and cannot begin business until authorized by the Comptroller. The Comptroller of the State may inspect and supervise the business of the bank, and inspect and examine its books, papers, documents, minutes, and everything pertaining to the acts of the bank. Banks are required to make a semi-annual return to the State Comptroller of resources and liabilities, and advertise in January of each year amount of stock, property and contractual indebtedness. Before organization 50 per cent, of the capital stock must be paid in cash ; 10 per cent, each month thereafter. Stock- holders are individually liable to the extent of their stock at the par value thereof, in addition to the amount invested in said shares. Directors must be citizens of the United States and own ten shares of stock of $100 per share. The Comptroller with the aid of the courts, winds up the affairs of insolvent banks. Exemptions. Real property to the extent of not exceeding 160 acres outside of any incorporated town or city, and not to exceed one-half an acre within the limits of any such town or city, is exempt from forced sale, together with $1,000 worth of personal property to every person who is the head of a family residing in this State ; and money due to such person for personal labor or services is exempt from garnishment or attachment. Interest. Legal rate is 8 per cent., but parties can stipulate for any rate not exceeding ten. Usury forfeits entire interest. Legal Holidays. Sunday, January 1, February 22, July 4, Labor Day, December 25, any General Election Day, Thanksgiving, June 3. Limitation of Actions. For the recovery of real estate within seven years of the commencement of the adverse possession of the defendant. Upon a judgment or decree of any court of record of Florida within twenty years ; upon foreign judg- ments within seven years, and upon any contract, obligation or liability upon a writing under seal. Within five years upon any writing not under seal ; within three years upon an action upon a liability created by statute other than a penalty or a forfeiture. For trespass to real property ; for taking, detaining or injuring any goods or chattels, and for the specific recovery of personal property ; an action for relief on the ground of fraud ; an action upon a contract, obligation or liability not founded upon an instrument of writing, except an action upon an open account for 28 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. FLORIDA CONTINUED. goods, wares and merchandise, within two years. On an open account for goods, wares and merchandise sold and delivered, and for an article charged in a store account shall not be barred until four years. Notarial Fee. Protest $2.00. UJote and Bills of Exchange. Notes and bills of exchange are subject to rules of the common law generally, except that maker and indorser cannot be sued in one action, nor can acceptor and drawer. '1 hree days' grace are allowed on all paper except sight drafts. Paper maturing on holidays is payable business day preceding. Five per cent, damages are allowed on protested foreign commercial paper. Transfer of Corporation Stoeks. Transfers are governed by the By laws of each corporation. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 29 GEORGIA. County Seat. Abbeville County. .Wilcor. Name of Atty. E. F. Strozier. Wooten & Wooten. Thomas L. Lewis. Jas. Dodson. D. C. Moore. Erwin & Cobb. B. F. & C. A. Abbott. Jos. R. Lamar. Donaldson & Hawes. J. 1. Carter. A. B. Estes. Jr. W. E. Chandler. R. H.Powell & Son. Goodyear, Kay & Brantley. W. P. Robinson. Geo. P. Munro. W. E. Steed. W. R. Rankin. Spence & Bennett. Geo. R. Brown. W. R. Little. Adamson & Jackson. Jno. W. Akin. Irwin & Bunn. C.H. Sutton. J.W. Merritt. J. J. Kimsey. R. V. Hardeman. A. P. Smith. C. C. Bush. C. E. Battle. Gleaton & Maddox. J.M. Pace. H. M. Holden. H. L. Patterson. h-Z. A. Littlejohn. Arthur Hood. Price & Charters. W. K. Fielder. R. J. & J. McCamy. R. H. Kimbrew. F. S. Bander. J. G. Parks. James M. Bishop. H. C. Jones. Name of Bank. AtCordele, 1st Natl. Bk. First Natl. Bk. See Canton. Bk. of Sumter. See Augusta. Natl. Bk. of Athens. Atlanta Natl. Bk. Georgia R. R. Bk. Bainbridge State Bk. See Jesup. Blackshear Bk. See Morganton. Bk. of Blakely. Natl. Bk. of Brunswick. At Bremen. Bk. of G. R. Hamilton & Co. Buena Vista Loan & Sav. Bk. Peoples Bkg. Co. Bk. of Calhoun. Bk. of Camilla. Bk. of Canton. See Hartwell. Carrollton Bk. First Natl. Bk. Commercial Bk. See Demorest, Bk. of Demorest. See Demorest, Bk. of Demorest. See Demorest, Bk. of Demorest. See Macon. See Savannah. See Blakely. Third Natl. Bk. Bk. of Jno. H. Almand. Clark Banking Co. See Greensboro'. At Flowery Branch, Bk. of G. H. Stidham. See Columbus. Bk. of Cuthbert. See Morganton. See Atlanta. First Natl. Bk. See Jefferson. Darien Bk. Dawson Natl. Bk. See Canton. See Atlanta. Cashier. F. J. Bivins. J. S. Davis. W. C. Furlow. James White. C. E. Currier. C. G. Goodrich. E. J. Perry. A. P. Brandley. Jno. W. Wade. J. H. Smith. J. W. Roberts. T. H. Friereon. O. U. Starr. C. R. Twitty. Jno. B. Richards. J. B. E. Brown. J. H. Vivion. R. O. Pitts. A. Hampton. A. Hampton. A. Hampton. J. W. Murphy. W. J. Bakes. J. G. Lester. Ed. McDonald. Price Peak. F. S. Bander. F. E. Clark. Albany .Dougherty. .Milton. .Sumter. Alpliaretta Ainerlcus .... Applliig , .Columbia. Athens ..Clarke. Atlanta ,. Fulton. Augusta. ... .Richmond. Balnbrldge . .. KJI x !<>" . Decatnr. Appling. Blackshear... Blalrsvllle.... Blakely . Pierce. .Union. .Early. Hru ii.\\ irk . Buchanan. .Glynn. .Haralson. Bueiia Vista.. Butler .Marion. .Taylor. < a llnii n ..Gordon. Camilla .Mitchell. Canton ..Cherokee. Carnesvllle ... Carrollton. . . . .Franklin. ..Carroll. Cartersvllle.. Cedartown Clarkesvllle . . Clayton , . .Bartow. .Polk. .Habersham. ..Rabnn. Cleveland. .White. Clinton .Jones. Clyde ..Bryan. Colqultt .Miller. Columbus Conyers .Muscogee. . Rockdale. Co vlugton .Newton. Cra wfordvlllc.Talliaferro. Camming Forsyth. Cnsseta .Ohattaho'chi Cuthbert .Randolph. Dahlonega .. . Dallas .Lumpkin. ..Paulding. Ma lion .Whitfield. Daiilelsvllle. Darleu .Madison. . .Mclntosh. Da \vson ..Terrell. Dawsonvllle Decatur... . .Dawson. ..DeKalb. 30 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. GEORGIA CONTINUED. County Seat. County. Douglas Coffee. Douglasvllle ..Douglas. Dublin Laurens. Eastman Dodge. Eatoiito ii Putnam. E I foert on Elbert. Eiluville Schley. Ellijay Gilmer. Falrburn Campbell. Fayettevllle Fayette. Forsytli Monroe. Fort Galnes Clay. Franklin Heard. Gainesville.... Hall. Georgetown ...Quitman. Gibson Glascock. Greenville Merrlweather. Greensboro' . . .Greene. Griffin Spaulding. Hamilton Harris. Hartwell Hart. Hawkliisvllle.Pulaski. Hlawassee . . . .Towns. Hlnesvllle Liberty. Homer Banks. Homervllle... .Clinch. Irwlnton Wilkinson. Irwi iivi I le Irwin. Isabella Worth. Jack son Butts. Jasper Pickens. Jefferson Jackson. Jefferson vllle . Twiggs. Jesup Wayne. Jonesboro' Clayton. Knox vllle Crawford. La Fayette Walker. I- a Grange Troup. LAWRENCEViLLE..Gwinnett. lieeaburg Lee. Lexington Oglethorpe. Llncoliiton . . . .Lincoln. Louisville Jefferson. liumpktn Stewart. Macoii Bibb. Madison Morgan. Marietta Cobb. McDonougli . . .Henry. ITIcRae Telfair. Name of Atty. M. O'Brien. W. T. Roberts. P. L. Wade. E. A. Smith. W. B. Wingfiell Jos. N. Worley. Chas. R. McCrory. J. C. Allen. Roan & Golightly. R. T. Dorsey. Serner & Bloodworth. John D. Rambo. W. H. Daniel. H. H. Dean. Jno. W. Lee. B. F. Walker. Terrell & Terrell. Jag. B. Park, Jr. J. S. Boynton. See Columbus. A. G. McCurry. A. C. Pate. W. G. Blackwell. Ben. A. Way. A. C. Moss. R. W. Yates. J. W. Lindsey. Wooten & Wooten. J. G. Polhull. Wright & Beck. J. W. Henley. J. C. Turner. J. D. Jones. S. R. Harris. C. W. Hodnett. W. S. Blasingome. Copeland & Drew. F. M. Longley. S. J. Winn & Son. H. L. Long & Son. W. M. Howard. C. R. Strother. Phillips A Phillips. R. F. Watts. Bacon & Miller. Foster & Butler. Sessions & Sessions. WTI. T. Dicken. Eason & Swain. Name of Bank. See Way Cross. Douglasville Bkg. Co. Dublin Bkg. Co. Citizens' Bkg. Co. Middle Georgia Bk. Bk. of Elberton. See Americus. See Morganton. See Atlanta. See Atlanta. W. H. Head Bkg. Co. Bk. of Ft. Gaines. At Hogansville. Mer. & Far. Bk. State Bkg. Co. See Cuthbert. See Sandersville. Greenville Bkg. Co. Bk. of E. A. Copelan. City Natl. Bk. See Columbus. Hartwell Bk. Hawkinsville Bk. &Tr. Co. See Morganton. See Savannah. See Gainesville. See Way Cross. See Macon. At Cordele, First Natl. Bk. See Albany. Jackson Bkg. Co. See Canton. Jefferson Bkg. Co. See Macon. Merchants & Farmers Svgs. Bk. See Atlanta. At Fort Valley, Ex. Bk. See Summerville. La Grange Bkg. & Tr. Co. See Atlanta. See Albany. Bk. of Arnold & Stewart. See Augusta. Bk. of Louisville. Bk. of Stewart Co. Exchange Bank. Bk. of Madison. Marietta Tr. & Bk. Co. See Jackson. See Eastman. Cashier. H. T. Cooper. Jas. H. Finn. J. B. Caldwell. B. W. Hunt. L. M. Heard. R. P. Brooks. J. E. Paulin. J. F. Mobley. W. S. Williams. Wm. T. Kevill. C. E. Monfort. J. G. Rhea. S. W. Peck. E. J. Henry. F. J. Bivins. L. D. Watson. J. C. Turner. W. H. Whaley. A. D. Skellie. J. T. Johnson Chas. M. Hunter. L. R. Farmer. W. L. Madre. J. W. Cabaniss. H. T. Shaw. J. T. Anderson. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. GEORGIA CONTINUED. 31 County Seat. County. NameofAtty. Name of Bank. Cashier . Milledgevllle. .Baldwin. Chas. P. Crawford. Milledgeville Bkg. Co. B. T. Bethune. Monroe Walton. B.S.Walker. Bk. of Monroe. J. R. Radford. Monticello Jasper. J. D. Kilpatrick. Bk. of Monticello. M. 8. Benton. Morgan Calbonn. J. J. Beck. Bk. of ). J. Beck. Morganton . . . .Fannin. 0. R. Dupree. Bk. of B. Crawford. Monltrle Colquitt. E. A. Milligan. See Quitman. MOUNT VERNON . . .Montgomery. H. W. Carswell. See Savannah. Nashville Berrien. Peeples & Alexander. See Way Cross. Newnan .Coweta. Freeman & Wright. Newnan Natl. Bk. J. 8. Hollinshead. Newton Baker. Wooten & Wooten. See Albany. Oglethrope Macon. Edwards & Grier. Bk. of Lofley. Greer & Co. Perry Houston. C.C.Duncan. Perry Loan & Savgs. Bk. J. D. Martin. Preston Webster. J.B.Hudson. At Richland, Bk. of Richland. O. V. Lamar. Quitman Brooks. C. M. Hitch. Bk. of Quitman. C. M. Hitch. Keldsville Tattnall. H. J. McGee. See Savannah. Rlngold Catoosa. A. T. Hackett. See Dalton. Rome Floyd. Fouche & Fouche. First Natl. Bk. B. I. Hughes. Sanders vllle.. .Washington. Evans & Evans. Bkg. House of Louis Cohen. H. Bashinsky. Savannah Chatham. Charlton,MacKall&AndersonSouthern Bk., State of Georgia. James Sullivan. Sparta Hancock. Robert H. Lewis. Bk. of R. A. Graves. Jno. D. Walker. Springfield Effingham. S. S. Pitman. See Savannah. Spring Place . .Murray. C. W. King. See Dalton. Statenville Echols. W. S. West. See Valdosta. Statesboro' Bullock. Groover & Johnston. Bk. of Statesboro'. H. S. Blitch. St. Mary's Camden. Goodyear, Kaly & Brantley. See Savannah. Summervllle...Chatooga. Jas. M. Bellah. Bk. of Commerce. N. K. Bitting. Swalnsboro' ..Etnanuel. Williams & Brannen. See Louisville. Sylvaula Screven. W.V.Taylor. At Millen, Bk. of Millen. H. E. Gary. Talbottoii Talbot. J.M.Matthews. Peoples' Bk. C.W. Kimbrough. Thomaston Upson. J. A. Cotton. Farmers' & Mer. Bk. T.M.Matthews. Thomas ville ..Thomas. Maclntyre & Maclntyre. Bk. of Thomasville. B.H.Wright. Thomson McDuffie. John T. West. Bk. of Thomson. Jas. T. Neal. Traders Hill... Charlton. See Way Cross. See Way Cross. Trenton Bade. J. G. & D. H. Clark. See Chattanooga, Tenn. Valdosta Lowndes. W. H. Griffin. Citizens' Bk. of Valdosta. C. W. Lamar. Vienna Dooly. Handerson & Harvard. Bk. of Vienna. W. C. Hamilton. AVarrenton Warren. James Whitehead. Bk. of Warrenton. J.A.Allen. Washington ..Wilkes. M. M. & M. P. Reese. Washington Ex. Bk. J.R.Dyson. Watkinsville .Oconee. R.M.Jackson. See Athens. AVay Cross Ware. Leon A. Wilson. First Natl. Bk. J. E. Wadley. AVaynesboro' .Burke. Lawson & Scales. Bk. of Waynesboro'. W. E. Jones. AV rights ville... Johnson. A.F.Daley. At Tennille, Farm. & Merch. Bk. Jno. A. McCrary. Zebulon Pike. J. S. Pope. At BarnesviUe, New South Savgs. Bk. 6. E. Hnguley. 32 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. GEORGIA CONTINUED. DIGEST OF GEORGIA COMMERCIAL LAWS. Assignments. Transfers or assignments of real or personal property by insolvent debtors are fraudulent and null and void as against creditors, where any trust or benefit is reserved to the assignor or any person for him. Attachments. Attachments may issue where the debtor resides out of the State ; or where he is actually removing, or is about to remove, without the limits of the county ; or where he absconds ; or where he conceals himself ; or where he resists legal arrest ; or where he is causing his property to be removed beyond the limits of the State ; or where he is disposing of, or threatens to dispose of, or conceal his property liable to the payment of his debts, or make a fraudulent lien thereon to avoid the payment of his debts. Dank Laws. State banks must be chartered by legislative enactment. There is a general l;iw for their incorporation, approved October 21, 1891. Their stockholders are liable for all their debts to the extent of unpaid subscriptions, but are further and additionally liable to depositors in an amount equal to the face value of their respective shares of stock. In some special charters passed before the general law, the "double liability clause " is made to apply to all the debts of the bank. The State Treasurer is ex-officio examiner of State banks, and it is the duty of this officer to examine all State banks at least once a year. All State banks must make quarterly statements under oath to the State bank examiner and publish same in local papers at their own expense. Exemptions. The head of every family, or the guardian or trustee of a family of minor children, every aged or infirm person, or person having the care and support of de- pendent females of any age, is entitled to have a homestead set apart on realty or personalty, or both, to the value, in the aggregate, of $1,600. No judgment, execution or decree may be enforced against the property so set apart as a home- stead, including improvements made thereon, from time to time, except for taxes, for the purchase money of the same, for labor done thereon, for material furnished therefor, or for the removal of encumbrances thereon. The right of homestead may be waived in writing as against any particular debt, except as to wearing apparel and $300 worth of household and kitchen furniture and provisions. The home- stead may not be alienated or incumbered, but it may be sold by the debtor and his wife, if any, jointly, with the sanction of the Judge of the Superior Court where the debtor resides, or the land is situated, the proceeds to be re-invested upon the same uses. Interest. Legal rate, except on contracts specifying another rate, is 7 per cent, and no more than 8 per cent, per annum may be contracted for, even by written instru- ment. The penalty in cases where usury is contracted for, is the forfeit of the excess above legal interest, and where the title to any property has been conveyed as security for the usurious debt, such title is absolutely void. Legal Holidays. Sunday, February 22, April 26, July 4, Labor Day, December 25, Thanksgiving, General Lee's Birthday, January 1 and 19. Limitation of Actions. Suits on bonds and other instruments under seal, should be brought within twenty years from the accrual of the right of action. Suits on prom- issory notes and other similar contracts in writing must be brought within seven years from maturity of such contract. Suits on open accounts, contracts not in writing, should be brought within four months. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 33 GEORGIA CONTINUED. married Women. All property of the wife in possession at the time of marriage, or afterwards acquired by her, is her separate property, and not liable for the payment of any debts, defaults, or contracts of the husband. Notarial Fees. Protest, $3.00. Notes and Bills of Exchange. Bills of exchange and promissory notes made for the purpose of negotiation, or intended to be negotiated at any chartered bank, and which are not paid at maturity, must be protested in order to bind the endorser. Notice of non-payment and of protest, or non-payment, or non-acceptance, must be given to the endorser within a reasonable time, either personally, or by post. It will not be necessary to protest in order to bind the endorser, except in the follow- ing cases : Where the paper is made payable on its face, at a bank or banker's office. Where it is discounted at a bank or banker's office. Where it is left at a bank or banker's office for collection. In all such cases, days of grace must be allowed, and the last day of grace is the day of maturity. No days of grace are allowed on sight papers. When paper matures on a holiday, it is payable the day before, unless two holidays come together, when paper due on the second one becomes due the day after. Accommodation endorsers, sureties and endorsers, may be sued in the same county and in the same action, with the maker, drawer or acceptor. Bills of exchange must be accepted in writing to bind acceptor. In this State a contract to pay attorney's fees cannot be collected unless a defense is filed and not sustained. Stay of Executions. Execution issued from the Superior Court maybe stayed for sixty days upon good security. Transfer of Corporation Stocks. Transfer on the back of stock is good between the parties and those taking with notice. Transfer on the books of the corporation binds all parties regardless of notice. 34 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. County Seat. County. Albion Cassia. Bellevue Logan. Blackfoot Bingham. Boise City Ada. Caldwell Canyon. Cliallis Caster. Hailey Alturas. Idaho City Boise. Lewiston Nez Perces. Malad City ....Oneida. Mo u lit Idaho.. Idaho. Moscow Latah. MOUNTAIN HOME..lmore. Murray Shoshone. Paris Bear Lake. Pocatello Bannock. It ;it lid ru in Kootenai. Salmon City...Lemhi. Silver City Owyhee. St. Anthony... Fremont. Weiser Washington. IDAHO. NameofAtty. Name of Bank. Cashier. Chas. Cobb. See Pocatello. V. Bierbower. See Hailey. Stewart & Dietrich. Bk. of C. Bunting & Co. Geo. H. Stewart. Boise City Natl. Bk. Alfred Eoff. Jno. C. Rice. First Natl. Bk. W. R. Sebree. L. H. Johnston. At Hailey. R. F. Butler. First Natl. Bk. F. H. Parsons. W. H. Dunton. Boise County Bk. E. W. Barry. Jas. E. Babb. First Natl. Bk. E. W. Eaves. D. C. McDougall. Bk. of J. N. Ireland & Co. C.Jones. J. H. Forney. At Grangeville, Bk. of Grangeville. W. Scott. R. T. Morgan. First Natl. Bk. F. N. Gilbert. W. C. Howie. Elmore Co. Bk. J. W. Campbell. H.S.Gregory. Bk. of North Idaho. Albert Johnson. Robert S. Spence. At Montpelier, Bk. of Montpelier. G. C. Gray. Eden & Warner. First Natl. Bk. M. C. Senter. Henry Melder. Exchange Bk. W. A. Hart. R. P. Quarles. See Dillon, Montana. C. M. Hayes. See Mountain Home. P. Averitt. First Bk. of Fremont Co. S. R. Findley. J. W. Ayers. Bk. of Weiser. C. J. Selwyn. DIGEST OF IDAHO COMMERCIAL LAWS. A**i$fiimciit*. An insolvent debtor owing debts exceeding $300, and having been resi- dent of county for six months, may be discharged of his debts by executing an assign- ment of all his property, real and personal. No preferences are allowed. Attachments. Attachment may issue on affidavit stating that defendant is indebted to plaintiff (specifying net amount) and that plaintiff is non-resident of State and that the attachment is not sought and the action is not prosecuted to hinder, delay or defraud any creditor of the defendant. Bank Laws. There is no statute law relating to banks. No charters can be granted to banks except by the Legislature and no provision is made for the supervision of banks or bankers by any State official or otherwise. Exemptions. The homestead, consisting of a quantity of land and a dwelling house thereon, with its appurtenances, not exceeding the value of $5,000, to be selected by the husband or wife, or both, or by other head of a family, and not exceeding $1,000 if claimant is not the head of a family. Office furniture and library, $100, neces- sary household and kitchen furniture, and provisions for family for three months ; certain farm animals, etc. , with food for three months ; tools and implements of husbandry up to $200. Libraries of professional men, and team used by a laborer or teamster, are also exempt. THE LEGAL AND FINANCIAL LIGHTS OP AMERICA. 35 IDAHO CONTINUED. Iiiteret. Legal rate 10 per cent. Parties may agree in writing for 18 per cent. Above that rate usurious. Usury penalty, forfeiture of 10 per cent, per year of the principal to the school fund and loss of all interest. Legal Holidays Sunday, January 1, February 22, May 30, July 4, December 25, Thanksgiving, General Territorial Election, or Special Election held "by the Governor. Limitation of Actions. Six years on actions on judgments and to recover mesne profits. Five years on action for real estate and on written contracts. Four years on actions on contracts not in writing and accounts. Three years on actions for trespass on real property, taking, detaining or injuring goods or chattels, for recovery of personal property, and for relief on account of fraud or mistake and for statutory penalty. Iflarried Women. No special law. Notarial Fees. Protest $3, recording 50 cents, and $1 for each notice. Notes and Bill* of Exchange. Commercial paper becomes negotiable by being executed and delivered, and is made negotiable by endorsement, what is called "in blank." The protest of a notary, under his hand and official seal, of a bill of exchange or promissory note, for non-acceptance or non-payment, stating the presentment for acceptance or payment and the non-acceptance or non-payment thereof, the service of and mode of giving notice to parties, and the reputed residence of the parties, is made by our statute prima facie evidence of the facts contained therein. Damages for protested bills : Domestic, 15 per cent. ; foreign, 30 per cent. Days of grace are not allowed on either bills or notes. Paper maturing on a holiday becomes payable the day previous. Transfer of Corporation Stocks. Whenever the capital stock of any corporation is divided into shares, and certificates therefor are issued, such shares of stock are personal property, and may be transferred by endorsement, by the signature of the proprietor, or his attorney or legal representative, and delivery of the certificate ; but such transfer is not valid except between the parties thereto until the same is so entered upon the books of the corporation, so as to show the name of the parties by and to whom transferred, the number and designation of the shares, and the date of the entry. Corporations may, by by-laws, provide that no transfer of its stock shall be made upon its books until all indebtedness to the corporation of the person in whose name the stock stands, whether for assignment, calls or otherwise, is paid. 36 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. ILLINOIS. County Seat. County. Name of Atty. Name of Bank. Cashier. Albion Edwards. H. J. Strawn. Edwards Co. Bk. E. M. Pace. Aledo Mercer. Pepper & Scott. Bk. of A. M. Byers & Co. Wm. N. Graham. Belleville St. Clair. Barthel & Farmer. First Natl. Bk. Casimir Andel. Belvldere Boone. R.W.Wright. Peoples Bk. John Greenlee. Kent on Franklin. Spiller & Hart. Exchange Bk. W. B. Ward. Bloomingtoii .McLean. Livingston & Bacb. National State Bk. A. . Hoblit. Cairo Alexander. Green & Gilbert. City Natl. Bk. J. S. Aisthorpe. Cambridge Henry. Turner & Street. First Natl. Bk. Henry White. Carllirvllle Macoupin. M. L. Keplinger. Bk. of C. H. C. Anderson. John C. Anderson Carlyle Clinton. P. W. Brown. Sen I af ley Bros. J. F. Keshner. Carml White. P. A. Pearce. First Natl. Bk. T. W. Hall. Carrollton Greene. Henry T. Rainey. Greene Co. Natl. Bk. Ornem Pierson. Carthage Hancock. Sharp & Berry Bros. Hancock Co. Natl. Bk. Chas. S. De Hart. Charleston Coles. A. J. Fryer. Second Natl. Bk. Felix Johnston. Chester Randolph. H. Clay Homer. First Natl. Bk. John D. Gerlach. Chicago Cook. Ferguson & Goodnow. The Bankers Natl. Bk. John C. Craft. Runyan & Runyan. First Natl. Bk. K. J. Street. Clinton DeWitt. Moore & Warner. De Witt Co. Natl. Bk. E.S.Nixon. Danville Vermillion. Edwin Winter. First Natl. Bk. C. L. English. JDecatur Macon. Albert G. Webber. Natl. Bk. of Decatur. D.O.McReynolds. Dixoii Lee. A. K. Truesdell. Dixon Natl. Bk. C.^. Hughes. Edwardsvllle .Madison. C. N. Travous. J. A. Brickett & Son. H. E. Brickett. Eflfiiigham Effingharo. Wright Bros. First Natl. Bk. J. Partridge, Jr. ELIZABETHTOWN . .Hardin. J. Q. A. Ledbetter. Warford's Bk. Wm. P. Warford. Fall-field Wayne. R.D.Adams. Bank of Fairfield. E. E. Creps. Freeport Stephenson. H. C. Hyde. First Natl. Bk. A. Bidwell. Galena Jo Daviess. E. L. Bedford. Galena Natl. Bk. Walter Ford. Galesbnrg Kuox. Williams, Lawrence & Galesburg Natl. Bk. J. H. Losey. Williams Geneva Kane. W. J. Brown. Bk. of Geneva. Gaunt & Field. Golconda Pope. Rose & Sloan. Pope Co. Bk. E.B.Clark. Greenville Bond. Thomas G. Parker. Holies & Sons. Hardiii Calhoun. Thomas J. Selby. See Grafton, Grafton Bk. E. Meysenburg. Harrisburgh... Saline. Boyer & Thompson. First Natl. Bk. F. T. Joyner. Havana Mason. Wallace & Lazey. Havana Natl. Bk. N. C. King. Henneplu Putnam. William H. Casson. Putnam Co. Bk. W.C.Patterson. Hlllsborough. Montgomery. Edward Lane. Hillsborough Natl. Bk. Luther M. Beck. Jacksonville... Morgan. Charles A. Barnes. Jacksonville Natl. Bk. C.W.Fitzsimmons Jersey vllle Jersey. Joseph S. Carr. Natl. Bk. of Jerseyville. Edward Cross. Jollet Will. John T. Donahoe. Joliet Natl. Bk. Robert T. Kelly. Jonesboro Union. Karraker & Lingle. Bank of Jonesboro. H. W. Karraker. Kankakce Kankakee. Wheeler & Hunter. The City Natl. Bk. H. M. Stone. Lacou Marshall. Barnes & Barnes. First Nail. Bk. W. H. Ford. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 37 ILLINOIS CONTINUED. County Seat. County. LAWRENCEVILLE ..Lawrence. Name of Atty. Gee & Barnes. Name of Bank. Lawrenceville Bk. Lewiston Fulton. H. W. Masters. Lewiston Natl. Bk. Lincoln Logan. James T. Hoblid. Lincoln Natl. Bk. Louisville Clay. J. A. Barnes. Farmers & Merchants Bk. Jrlacomb McDonough. Sherman & Tunnicllff. Union Natl. Bk. Marlon Williamson. Clemens & Warder. Bk. of Marion. Marshall Clark. Graham & Tibbs. Dulaney Natl. Bk. McLEANSBORO'.... Hamilton. T. M. Eckley. Peoples Bk. Metamora Woodford. A. R. Rich. Metamora Bk. METROPOLIS CITY.Massac. R. W. McCartney. First Natl. Bk. Moumouth Warren. Grler & Stewart. Natl. Bk. of Monmouth. Monticello Piatt. C. A. Tatman. First Natl. Bk. Morris Grundy. E. Sanford. Grundy Co. Natl. Bk. Morrison Whiteside. F. D. Ramsay. First Natl. Bk. Mound City.. ..Pulaski. L. M. Bradley. First State Bk. Mt. Carniel ....Wabash. S. R. Putr.ame. First Natl. Bk. Mt. Carroll Carroll. R. E. Eaton. First Natl. Bk. Mt. Sterling . . .Brown. E. S. Parry. First Natl. Bk. Mt. Veriion Jefferson. Charles H. Patton. Mt. Vernon Bk. MURPHYSBORO'... Jackson. J.H.Martin. City Natl. Bk. Nashville Washington. Forman & Watts. Washington Co. Bk. Newton Jasper. T. J. Fithian. Peoples Bk. Olney Richland. R. B.Witcher. Olney Bank. Oquawka Henderson. Ross Cooper. Bk. of Robert Moir & Co. Oregon Ogle. H. A. Smith. First Natl. Bank. Ottawa La Salle. D. McDougall. Natl. City Bank. Paris Edgar. R. L. McKinlay. First Natl. Bk. Paxton Ford. F. L. Cook. First Natl. Bk. Pekin Tazewell. Graff & Rider. Farmers Natl. Bk. Peoria Peoria. McCulloch & McCulloch. Merchants Natl. Bk. Petersburgli ..Alenard. S. H. Blane. First Natl. Bk. Piiickiiey ville.Perry. W. K. Murphy. Murphy, Wall & Co. Pittsfield Pike. Matthews. Higbee & Grigsby.Farmers State Bk. Pontiac Livingston. George Torrence. Natl. Bk. of Pontlac. Princeton Bureau. R. M. Skinner. First Natl. Bk. Quiiicy Adams. Hamilton & Woods. Ricker Natl. Bk. Robinson Crawford. Jones & Newlin. Robinson Bk. Rockford Winnebago. William Lathrop. Rockford Natl. Bk. Rock Island ..Rock Island. Sweeney & Walker. Peoples Natl. Bk. Rushville Schuyler. P.E.Mann. Sank of Schuyler Co. Salem Marion. L. M. Kagy. Salem Natl. Bk. ShawiieetowuGallatin. Carl Roedel. First Natl. Bk. Shelby ville . . . .Shelby. Moulton, Chafee & Headen. First Natl. Bk. Springfield Sangamon. Patton & Hamilton. First Natl. Bk. Sullivan Moultrie. W. G. Cochran. Merchants and Farmers State Bk, Sycamore DeKalb. Games & Dunton. Sycamore Natl. Bk. Taj lorville . . . .Christian. W. M. Provine. First Natl. Bk. Toledo Cumberland. W. S. Everhart. Bk. of Toledo Cashier. McCleave & Barnes. W. H. Rhodes. P. E. Kuhl. G. B. McCollmn. B. F. McLean. O. H. Burnett. H. B. Dulaney. J. H. Miller. P. & D. Schertz. W. H. Armstrong. W. B. Young. O. W. Moore. J. C. Carr. A. J. Jackson. J. A. Waugh. H. T. Goddard. O. P. Miles. C. H. Turner. C. D. Ham & Co. John G. Hardy. Louis Krughoff. O. S. Scott. J. H. Sensenan. Charles Schneider E. C. Allen, Jr. R. G. Sutherland. A. S. Bushnell. C. H. Turner. G. H. Littlewood. J. M. Robbins. Allen Ozburn. Ross Matthews. Joseph Spiro. H. C. Roberts. George E. Ricker. C. H. Steel. W. F. Woodruff. C. Hellpenstell. J. M. Patterson. Thos. S. Marshall Wm. D. Phile. J. W. Powers. Howard K.Weber James A. Steele. Charles E.Walker E. R. Wright. Willis Bros. 38 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. ILLINOIS CONTINUED. County Seat. County. Toulon Stark. Ttiscola Douglas. Urbaiia Champaign. Va iidalia Fayette. Vienna Johnson. Virginia Cass. "Waterloo Monroe. AVatseka Iroquois. \Vjiiikfi-aii Lake. "Wheaton DuPage. Winchester Scott. Woodstock McHenry. Yorkville Kendall. Name of Atty. Miles A. Fuller. C. Eckhart. White & Dobbins. W. M. Fogler. William A. Samm. R. W. Mills. J. W. Rickert. Kay & Kay. Francis E. Clarke. E. H. Gary. J. M. Riggs. D. T. Smiley. John Fitzgerald. Name of Bank. Exchange Bk. First Natl. Bank. First Natl. Bk. Farmers & Merchants Bk. First Natl. Bk. Farmers Natl. Bk. State Bk. of Waterloo. First Natl. Bk. First Natl. Bk. See Geneva. Bk. of Neat, Condit & Croup. Farmers Exchange Bk. Yorkville Bk. Cashier. Burge & Dewey. W. H. Land. A. F. Fay. Edward L. Wahl. D.W.Whittenberg J. T. Robertson. George Pinkel. Geo. C.Harrington Charles F. Wiard. M. D. Hoy & Son. II. X. Newton. DIGEST OF ILLINOIS COMMERCIAL LAWS. Assignments. Any debtor may make an assignment for the benefit of his creditors. No preferences are allowed. Attachments. Attachment may issue where the debtor is a non-resident of the State ; conceals himself so that he cannot be served with process, has left the State, or is about to depart from the State with the intention of having his effects removed, or is about to remove his property from the State, or has, within two years preceding the filing of the affidavit required, fraudulently conveyed, or assigned, his effects, or a part thereof, or has, within two years prior to the filing of such affidavit, fraudulently concealed or disposed of his property, or is about fraudulently to con- ceal, assign or otherwise dispose of his property, or where the debt sued for was fraudulently contracted on the part of the debtor, provided the statements of the debtor, which constitute the fraud, have been reduced to writing and signed by the debtor. Bank Laws. Associations may be formed to do a general banking business (except the issuing of bills to circulate as money), including loans on personal and real estate security, and accepting and executing trusts. The capital required is, in cities of 5,000 population or under, $25,000 ; between 5,000 and 10,000 population, $50,000 ; between 10,000 and 50,000 population, $100,000 ; 50,000 population and upwards, $200,000. Impairment of capital must be made good on notice from the State Auditor. The stock being fully subscribed, a meeting of the stockholders on not less than three days' notice, shall be held, at which the number of directors shall be determined, and they elected. The directors thereupon organize and elect officers, make by-laws, and arrange for the transaction of business. They are required to take an oath of fealty to the association and observance of the Banking Act. Upon complying with these provisions, the auditor makes examination, and if satisfied that capital has been paid in, issues a certificate of organization upon payment of reasonable expenses. This certificate must be filed in the office of Recorder of Deeds of the county where the bank is organized, and upon recording such certifi" THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 39 I LLINOIS CONTINUED. cate the association may proceed to business. Stockholders are severally liable for all engagements of the association to an amount equal to their respective stock- holdings, at par value, in addition to the amount invested in their share of stock. Keports under oath of president or cashier shall be made on call of the auditor at least once in three months, showing resources and liabilities in detail, which reports shall be published in some newspaper of the place where the bank is located. At least once a year the auditor shall cause an examination of the bank to be made by a suitable person not a stockholder, officer, or employee of the bank, who shall make a detailed report of his examination, and shall have power to examine officers, employees, or agents on oath. There is no provision of law for the inspection of private banking firms not organized under the statutes. Exemptions. Every householder having a family is entitled to a homestead, valued at $1,000, and such exemption continues to the survivor after the death of husband or wife, so long as he or she occupies it, and to the children until the youngest is twenty-one years old. In addition, there is allowed to every person, necessary wearing apparel, etc., and $100 worth of other property selected by the debtor. If the debtor is the head of a family, and resides with the same, he is allowed $300 worth in addition, to be selected by him. But such selection cannot be made from any money or wages due. Of wages there are $50 exempt from garnishment to any one who is tbe head of a family residing with the same. Wages to amount of $50 earned within six months are preferred debts in cases of insolvency of debtor owing such wages. Interest. Legal rate is 5 per cent.. 7 per cent, may be contracted for on all written con- tracts. The penalty for usury is forfeiture of the entire interest. Legal Holiday*. Sunday, January 1, February 12, February 22, May 30, July 4, Elec- tion Day, Labor Day, December 25, Thanksgiving. Limitation of Actions. All actions for the recovery of possession of real property must be commenced within twenty years. Actions on unwritten contracts, express or implied, or on awards of arbitration, or for recovery of damages for an injury done to property, real or personal, or to recover the possession of personal property or for damages for the detention or conversion thereof, and in all civil actions not otherwise provided for must be commenced within five years next after the cause of action accrued. Actions on bond, promissory notes, bills of exchange, written leases, written contracts or other evidences of indebtedness in writing, must be com- menced within ten years after the cause of action accrued. Married Women. May contract, sue, and be sued as feme sole ; may hold property, personal and real, in their own name and right, and not subject to husband's debts ; may employ husband as agent to transact their business. Notarial Fees. Protest $1.50, with twenty-five cents per notice additional. Notes and Bills of Exchange. Any note, bond, bill or other instrument in writing made payable to any person named as payee therein, shall be assignable by indorse- ment thereon, under the hand of such person, and of his assignees, in the same manner as bills of exchange are, so as to absolutely transfer and vest the property thereof in each and every assignee successively. It is essential to the negotiability of promissory notes, bills, bonds and other instruments in writing for the payment of money or other articles of personal property by endorsement, that they be pay- able absolutely and unconditionally not depending on any contingency, either in 40 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. ILLINOIS CONTINUED. regard to the use of the fund out of which payment is to be made, or as to the parties by whom or to whom the payment is to be made. Any note, bond, bill or other instrument in writing made payable to the bearer, may be transferred by de- livery thereof, and an action may be maintained thereon in the name of the holder thereof ; every endorser of such instrument shall be held as a guarantor of payment unless otherwise expressed in the endorsement. Whenever any bill of exchange, drawn or endorsed within this State, and payable without the United States, is duly protested the drawer or endorser thereof shall pay said bill, with legal interest, from the time such bill ought to have been paid, and 10 per cent, damages in addition, to- gether with the costs and charges of protest. If any bill of exchange, drawn upon any person or body politic or corporate, out of this State, but within the United States, for the payment of money, shall be duly presented for acceptance or pay- ment, and protested, it shall be payable, with legal interest from the time such bill ought to have been paid, until paid, together with costs and charges of protests. No promissory note, check, draft, bill of exchange, order, or other negotiable or com- mercial instrument payable at sight or on demand, or on presentment, shall be en- titled to days of grace. Notes maturing on holidays are payable the day previous. All other bills of exchange, drafts, or promissory notes, shall be entitled to the usual days of grace. Stay of Execution. No stay laws, only such as the court orders. Transfer of Corporation Stocks. By transfer on the books of the corporation. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 41 INDIAN TERRITORY. County Seat. County. Ardmore Chickasaw. Atoka Creek. Clilckaslia Pickens. Chlckasaw Chickasaw. 1> 11 11 can Pickens. Mario w Pickens. Mtiico Pontotoc. Muscogee Creek. Paul's Valley. Pickene. Purcell Pontotoc. Ryan. Chickasaw. So. McAllister. Chickasaw. Talileq usili Cherokee. VI nit :i Cherokee. Wynnewood . .Pontotoc. Name of Ally. Johnson, Cruce & Cruce. Merrill & John. Chas. M. Fechheimer. See Chickasha. Wolverton & Rodgers. See Ardmore. E. E. Wilson. Shepherd, Grove & Shackelford L. C. Andrews. J. F. Sharp. See Duncan. Fannin & Fannin. Wm. F. Rasmus. W. H.Kornegay. J. T. Planton. Name of Bank. First Natl. Bk. See South McAllister Bk. of Chickasha See Chickasha. Duncan Bk. Bk. of Minco First Natl. Bk. Bk. of Paul's Valley Chickasaw Natl. Bk. Bk. of Ryan South McAllister Bk. Bk. of Tahlequah First Natl. Bk. Bk. of Wynnewood Cashier. Don Lacy. J. A. Bohart. J. T. Jeanes. H. B. Johnson. C. H. Warth. J. D. Imboden, Jr. A. D. Hawk. J. E. Ledbetter. Joe Hillman. L. C. Ross. H. C. Cook. J. F. Beeler. DIGEST OF INDIAN TERRITORY COMMERCIAL LAWS. Assignments. Assignments can be made of all the property or a part thereof. Any creditor or creditors may be preferred. Attachments. Attachments may be made when the action is against one absent from the Territory for more than four months when his residence is in the Territory; has left his residence to avoid the service of summons ; is about to, or has removed his property, or a material part thereof, out of the Territory, not leaving enough therein to satisfy plaintiff's claim ; conceals himself; has sold his property with the fraudu- lent intent to cheat, hinder, or delay his creditors in the collection of their debts, or is about to do so. Bank Laws. No bank laws. Exemptions. The personal property of any resident of the Indian Territory who is not married or the head of a family, in specific articles to be selected by such resident, not exceeding in value the sum of $200 in addition to his wearing apparel, provided that no property shall be exempt from execution for debts contracted for the pur- chase money therefor while in the hands of vendee. Of a married person or head of a family, in specific articles to be selected by such resident, not exceeding in value the sum of $500 in addition to his or her wearing apparel and that of his or her family, shall be exempt on debt or contract. Interest. Legal rate, 6 per cent. By contract, not exceeding 10 per cent. Contracts in excess of 10 per cent, are void as to principal and interest. Legal Holidays. Sunday, January 1, February 22, July 4, Thanksgiving, Christmas, Fast Day, Birthday of Lee. 42 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. INDIAN TERRITORY CONTINUED. Limitation of Actioii. All actions of debt founded on contract or liability not in writing; all actions of account, and the like, founded on any contract or liability, expressed or implied, three years. Action on promissory notes and other instru- ments in writing not under seal, must be commenced within five years, and not after; actions on bonds, writings under seal and judgments and decrees, must be commenced within ten years. Notarial Fees. Protest, seventy-five cents. Noting, fifty cents. Registration, forty cents. Certificate, fifty cents. Each notice, fifty cents. Notes and Bills of Exchange. Bills and notes are governed by the law-merchant. The general rules of commercial law on these subjects prevail. Notes to be negotiable must be expressed to be for value received. A stipulation for fixed attorney's fees does not render paper non-negotiable ; but are not recoverable. Paper maturing on a holiday becomes payable the clay before. Protests are the common form, and are made by notaries public. Acceptances must be made in writing. If the drawee destroy or retain the bill, is taken as having accepted it. The statutes fix in detail the damages to be awarded the holder of a bill in case of non-acceptance or non-payment. Protested bills bear interest at the rate of ten per cent, per annum. Transfer of Corporation Stocks. No law. \ THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 43 INDIANA. County Seat. County. Albion Noble. Anderson Madison. Angola Steuben. Auburn De Kalb. Bedford Lawrence. Bloomfield Greene. Bloomtiigton .Monroe. It 1 11 IK o u Wells. Boonville Warrick. Brazil Clay. Brookville Franklin. Brownstown.. Jackson. Canuelton Perry. COLUMBIA CITY .. .Whitley. Columbus Bartholome\ Conners vllle. . .Fayette. Corydon Harrison. Covlngt on Fountain. CRAWFORDSVILLE. Montgomery Cro\vn Point... Lake. Danville Hendricks. Decatur Adams. Delphi Carroll. IS va iis vi 11 e Vanderburg Fort Wayne Allen. Fowler Benton. Frankfort Clinton. Franklin Johnson. Goslieii Elkhart. Greeucastle Putnam. Greenfield Hancock. Greensburg. . . .Decatur. Hartford City .Blackford. Hnntlugton ...Huntington. Indianapolis. .Marion. Jasper Dubois. JEFFERSONVILLE.. Clark. Kendland Newton. Kuox Stark. Ko k 01110 Howard. La Fayette Tippecanoe. La Grange La Grange. La Porte La Porte. LAWRENCEBURGH. Dearborn. Leaveiiwortli .Crawford. Lebanon Boone. Liberty Union. Name of Atty. Name of Bank. Cashier. Lev! W. Welker. Bk. of Albion F. B. Clapp. Chipman.Keltner & Hendee. Natl. Exchange Bk. J. L. Forkner. Croxton & Powers. Steuben Co. Bk. H. K. Scott. D. Y. Husselman. Farmers Bk. A. C. Robbins. W. H. Martin. Citizens Bk. J. R. Voris. Gavins & Gavins. Bloomfield Bk. O. W. Shryer. Duncan & Batman. First Natl. Bk. W. E. Woodburn. Wilson & Todd. Studebaker Bk. J. S. Gilliland. Hatfield & Hemenway. Boonville Natl. Bk. J.P.Weyerbacher. George A. Knight. First Natl. Bk. C. S. Andrews. Jones & Jones. Brookville Bk. Goodwin & Shirk. Applewhite & Applewhite. Peoples State Bk. H. A. Barrel. Chas. A. Weathers. Commercial Bk. S. L. May. James S. Collins. Bk. of F. H. Foust & Co. .Stansifer & Baker. First Natl. Bk. L. K. Ong. McKee. Little & Frost. First Natl. Bk. Q. A. Mount. W. N. & R. J. Tracewell. Bk. of Corydon W. B. Siemens. Nebeker & Simms. Citizens State Bk. Sampson Reed. . Brush & Snyder. Citizens Natl. Bk. C. Goltra. J. Kopelike. First Natl. Bk. W. C. Mnrphey. Gofer & Hadley. First Natl. Bk. M. Carter. R. K. Irwin. Old Adams Co. Bk. R. K. Allison. Gould & Eldridge. Citizens Bk. J. A. Shirk. lAlex. Gilchrlst. Old National Bk. Henry Reis. John F. Rodabaugh. Hamilton Natl. Bk. John Mohr, Jr. Fraser & Isham. Bk. of Benton Co. Lee Dinwiddie. J. C. Farber. Farmers Bk. D. A. Coulder. T. W. Woollen. Franklin Natl. Bk. E. C. Miller. W. L. Stonex. City Natl. Bk. C. J. Garvin. Silas A. Hays. Central Natl. Bk. M. D. Bridges. S. A. Wray. Greenfield Bkg. Co. M. Chandler. William A. Moore. Third Natl. Bk. W. W. Bonner. J. A. Bonham. Citizens Bk. E. M. Stahl. 1. G. Smith. First Natl. Bk. Sarah F. Dick. Robert N. Lamb. Indiana Natl. Bk. Edward B. Porter. Wm. A. Traylor. Dubois Co. State Bk. Frank Joseph. M. Z. Stannard. First Natl. Bk. H. E. Heaton. Cummings & Darroch. Bk. of Kendland Smart fe Rider. H. A. Woodward. Farmers Bk. F. P. Whitson. Blacklidge & Shirley. Citizens Natl. Bk. G. E. Bruner. J. D. Cougar. Merchants Natl. Bk. C. Murdock. 0. L. Ballon. Natl. Bk. of La Grange J. I. Norris. S.E.Williams. First Natl. Bk. R. E. Morrison. Thompson & Colt. Citizens Natl. Bk. W. D. H. Hunter. J. H. Weathers. Citizens Bk. R. H. Willett. Dutch & Higgins. Lebanon Natl. Bk. E. T. Lane. L. H. Stanford. Union Co. Natl. Bk. H. Husted. 44 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. INDIANA CONTINUED. County Seat. County. Logansport Case. ITIadison Jefferson. Name of Atty. Winfield & Taber. Vanosdal & Francisco. Name of Bank. Logansport State Bk. First Natl. Bk. Cashier. W. C. Thomas. Thos. A. Pogue. Marion Grant. George G. Wharton. First Natl. Bk. A. B. Morrison. Martinsville. . .Morgan. rtlo nticello White. Mount VernonPosey. ITIuiicie Delaware. Jordan & Matthews. Chas. C. Spencer. E. M. Spencer. C. E. Shipley. Citizens Natl. Bk. Citizens Bk. Mt. Vernon Bkg. Co. Delaware Co. Natl. Bk. W. D. Frazee. W. E. McLean. E. D. Owen. C. H. Church. Nashville Brown. See Columbus. New Albany. . .Floyd. New Castle Henry. Newport Vennillion. Alex. Dowling. John M. Morris. Conley & Sawyer- First Natl. Bk. Citizens State Bk. Bk. of R. H. Nixon J. A. Button. D. W. Kinsey. Nobles vllle Hamilton. Paoli Orange. Shirts & Kilbourne. W. J. Throop Citizens State Bk. Orange Co Bk E. Shirts. A B Ham Per u Miami Mitchell & McClintic First Natl Bk Peter sburgh ..Pike. Plymouth Marshall. E. P. Richardson. Chas. P. Drummond. Citizens State Bk. First Natl. Bk. Byron Prenton. Jas. A. Gilmore. Portland . . .Jay. S. W. Haynes Peoples Bk. W. M. Haynes. Princeton Gibson. Buskirk & Brady. Peoples Natl. Bk. W P. Welborn. Rensselaer Jasper. Richmond Wayne. Rising Sun Ohio. Rochester Fulton. M. F. Chilcote. R. A. Jackson. Coles & Hall. Holman & Stephenson. Bk. of A. McCoy & Co. Second Natl. Bk. Natl. Bk. of Rising Sun Rochester Bk. E. L. Hollings- worth. J. B. Dougan. J. N. Perkins. A. C. Copeland. Rock port Spencer. E. L. Boyd. Farmers Bk. E. M. Payne. Rock, ville Parke. Maxwell & Maxwell. Park Bk. F H. Stark. Rush vllle Rush. Smith & Cambern. Rushville Natl. Bk. Edwin Payne. Salem Washington. Alspaugh & Lawler Bk of Salem J. F. Persise. Scottsburgh . . .Scott. Shelby vllle . . . .Shelby. Shoals Martin. Jewett & Shea. Love & Morrison. R L. Ross. Scott Co. Bk. First Natl. Bk. Martin Co. Bk. W. M. Whitson. John A. Young. J. L. Passel. South Bend St. Joseph. Spencer Owen. Lucius Hubbard. J. H. Fowler. First Natl. Bk. Exchange Bk. C. A. Kimball. F. H. Freeland. Sullivan Sullivan. John T. Hays. Farmers State Bk. Wake Giles. Terre Haute. . . Vigo. Tipton Tipton. Harry J. Baker. Gifford & Gifford. First Natl. Bk. Tipton Co. Bk. B. McCormick. E. H. Shirk. Valparaiso Porter. Vernon Jennings. A. D. Bartholomew. Benjamin F. Tweedy. Farmers Natl. Bk. First Natl.Bk. G.F.Bartholemew John S. Morris. Versailles Ripley. Vevay Switzerland. F. M. Thompson. G. S. Pleasants. Versailles Bk. First Natl. Bk. F. M. Laws. Albert G. Craig. Vlncennes Knox. \Vabash Wabash. L. A. Meyer. W. G. Sayre. German Natl. Bk. First Natl. Bk. George R. Alsop. F. W. Morse. Warsaw Kosciusko. John D. Wideman. Lake City Bk. S. Bitner. Washington . .Daviess. Wllliamsport .Warren. Wiiiumac Pulaski. Winchester ...Randolph. J. W. Ogden. C. V. McAdams. Spangler & Son. J. W. Thompson. Peoples Natl. Bk. Warren Co. Bk. Bk. of Winamac Farmers & Merchants Bk. R. C. Davis. A. H. Haun. W. S. Huddleston T. F. Moorman. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 45 INDIANA CONTINUED. DIGEST OF INDIANA COMMERCIAL LAWS. Assignments. Any debtor may make a general assignment of all property in trust for the benefit of bonafide creditors. The assignor is not forbidden to make preferences to bona fide creditors, provided the preferences be made before the deed of assign- ment and in no way co-ordinate with it. The assignor is not relieved from his debts. Attachments. Attachment may issue where the defendant is a foreign corporation or a non-resident ; where the defendant is secretly leaving the State, or has left it, with intent to defraud his creditors ; where the defendant so conceals himself that sum- mons cannot be served upon him ; where he is removing, or about to remove, his property subject to execution, or a material part thereof, out of the State, not leav- ing enough to satisfy the plaintiff's claim ; where he has sold or otherwise disposed of his property subject to execution, or suffered or permitted it to be sold with the fraudulent intent to cheat, hinder, or delay his creditors ; where he is about to sell, convey, or otherwise dispose of his property subject to execution with such intent. Bank Laws. Any number of persons, not less than five, may entitle themselves to a charter as a bank of discount and deposit. The capital stock must not be less than $25,000 divided into shares of the value of $100 each. There must not be less than three directors, elected by the stockholders. These directors shall elect one of their number as president, and shall also elect a cashier, who must give bond for the faithful discharge of his duties. A corporation so formed may begin business as soon as 50 per cent, of its capital stock shall have been actually paid in ; and it shall have all the powers incident to the business of banking, except the issuing of bank notes. A bank may purchase such real estate as may be necessary for use in its business, or which may be taken by mortgage or conveyance in payment of debts ; but all property not required in transacting its business must be resold with- in five years. Stockholders are individually liable for the debts of the bank to the extent of the par value of the stock. The auditor of the State with the approval of the governor, shall, as often as he deems proper, appoint a suitable person, or more than one, to make an examination of the affairs of all banks established under the general banking law. The examiner so appointed must make a full detailed report of the condition of each bank to the State Auditor. Banks must also make at least five reports annually to the Auditor of State, verified by the president, or cashier or other managing agent, showing, in detail, the resources and liabilities of the insti- tution. Exemptions. There is no homestead law. An exemption of $600 on any contract liability is allowed to resident householders. One month's wages is exempt from garnishment and on proceedings supplemental to execution while the employment lasts. There is no exemption as against mechanic's liens, purchase money liens and taxation. The right of exemption cannot be waived by contract. Interest. Legal rate is 6 per cent., but parties may contract in writing for 8 per cent. Where a contract calls for usurious interest, it is void only as to the interest in excess of 6 per cent. Legal Holidays. Sunday, January 1, February 22, May 30, July 4, December 25, public fast, Thanksgiving, National and State Election Days, and Labor Day. 46 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. INDIANA CONTINUED. Limitation of Actions. On accounts and contracts not in writing : for use, rents and profits of real property, and relief against frauds, six years; upon promissory notes, bills of exchange and other written contracts for the payment of money, ten years ; upon contracts in writing other than those for the payment of money on judgments of courts of record, and for the recovery of the possession of real estate, twenty years. married Women. By a recent act a married woman may (since May 31, 1879) buy, sell or transfer her separate personal property, as if sole ; may carry on any trade, business or service, and her separate personal property is liable for the same. Notarial Fee. Protest, $1.25, and twenty-five cents for each notice. IVote* and Bills of Exchange. Promissory notes payable to order or bearer at a bank in this State, and bills of exchange, are governed by the law-merchant. Promissory notes not payable at a bank are subject to any set off maker may have against payee, or any subsequent holder, accruing before notice of assignment. On these, maker must be exhausted before endorser can be sued. Protest is not necessary to hold endorsers of such notes ; but, to hold them, maker must be sued at first term of court after maturity, unless it can be shown that he was insolvent at the time of such maturity. Three days of grace are allowed on all bills of exchange payable within the State, whether sight or time bills. Paper maturing on a holiday becomes payable the day preceding. Damages for protest on bills upon any person at any place out of this State, but within the United States, 5 per cent. ; on bills drawn upon any person at any place without the United States, 10 per cent. Stay of Executions. On sums of six dollars, thirty days ; over six and under twelve dollars, sixty days ; over twelve and under twenty dollars, ninety days ; over twenty and under forty dollars, one hundred and twenty days ; over forty and under one hundred dollars, one hundred and fifty days ; over one hundred dollars, one hundred and eighty days. Transfer of Corporation Stocks. By transfer on the books only for bridge, canal, insurance and steam packet companies. In all ofcher corporations stock is trans- ferred in any manner provided by the by-laws. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 47 IOWA. County Seat. County. NameofAtty. Adel Dallas. White & Clark. Aftun Union. Stilliv n & Sullivan. Albla Monroe. J. C. Mabry. Algona Kossuth. George E. Clark. Allison Butler. Craig. Ray & Hyde. Auamosa Jones. Sheean & McCarn. Atlantic Case. Willard & Willard. Audubon Audubon. Nash & Phelps. Bedford Taylor. Jackson & M Her. Bloomfteld ... Davis. Carruthers & Rominger. Boo ue Boone. S R Dyer. Burlington Des Moiues. Blake & Blake. Carroll Carroll. W. R. Lee. Centervllle Appanoose. Vermil on & Valentine. Charlton Lui'.-i-. J. A. Penick. Charles City... Floyd. Reiniger & Lloyd. Cherokee Cherokee. M Wakefield. Clarlnda Page. H. E. Pa slow. Clarion Wright. Ladd & Rogers. Clinton Clinton. George B. Phelps. Concord Hancock. John F. Thompson. Corning Adams. W S. Hefling. Corydon Wayne. Miles & Steele. COUNCIL BLUFFS. .Pottaw'tartie F.nley Burke Cresco Howard. H. T Reed JDukotali Humboldi. P. Finch Davenport Scott. J. A. Hanley Decorali Winneshiek. R. F. B. Portman Deiiison Crawford. Shaw & Kuehnle DCS Moiues . . . .Polk. Park & Odell Dubuque Dubuque. R. W Stewart Eldora Hardiu. Huff & Ward Elkader Clayton. D. D. Murphy Emmettsburg.Palo Alto. Kelly & Kelly Esthervllle . . . .Emmet. C. W. Grim Fair field Jefferson. Leggett & McKemy Forrest Clty...Winnebago. C. L. Nelson Fort Dodge Webster. Robert M. Wright Fort Madison. Lee. Casey & Stewart Glenwood Mills. E. B. Woodruff Greenfield Adair. J. A. Storey Grundy CentreGrundy. Rea & Wood GuthrleCeiitreGuthrie. E. R.Sayles Hampton Franklin. John W. Luke 1 1 ;ir I a ii Shelby. Byers & Lockwood Ida Grove Ida. Warren & Johnston Independence. Buchanan. Lake & Harmon Indlanola Warren. Lacy & Hatfield Name of Bank. Adel State Bk. Citizens Bk. First. Natl. Bk. First Natl. Bk. Bk. of Allison. Anamosa Natl. Bk. Atlantic Natl. Bk. First Natl. Bk. Bedford Bk. State Bk. of Bloomfield City Bk. Natl. State Bk. First Natl. Bk. First Natl. Bk. First Natl. Bk. Citizens Natl. Bk. Cherokee State Bk. Clarinda Natl. Bk. First Natl. Bk. Clinton Natl. Bk. See Britt, Commercial Bk. First Natl. Bk. Farmers & Merchants Bk. Citizens State Bk. First Natl. Bk. See Humboldt, Peoples Bk. Citizens Natl. Bk. First Natl. Bk. Bk. of Denison. Valley Natl. Bk. First Natl. Bk. Hardin Co. Bk. Elkader State Bk. Palo Alto Co. Bk. First Natl. Bk. First Natl. Bk. First Natl. Bk. First Natl. Bk. German American Bk. Mills Co. Natl. Bk. Citizens Bk. Grundy Co. Natl. Bk. Guthrie State Bk. Citizens State Bk. Shelby Co. Bk. Ida Co. Savings Bk. First Natl. Bk. Warren Co. Bk. Cashier. T. J. Caldwell. L. W. McLennan. T. D. Lockman. Wm . K . Fergu son . J. W. Kay. C. S. Millard. F. M. Nichols. F. S. Watts. Ed. E. Cass. John R. Wallace. C. J. A. Ericson. John J. Fleming. R. E. Coburn. J. A. Bradley. F. R. Crocker. F. B. Miner. E. D. Huxford. H. R. Spry. U. B. Tracy. C. C. Coan. E. P. Healy. Chas. C. Norton. F. M. Smith. Chas. R. Hannan. C. A. Crawford. J. W. Foster. E. S. Carl. E. R. Baker. W. R. Barber. R. A. Crawford. U. E. Guernsey. Ellis D. Robb. Chas. Johnson. W. J. Brown. J. P. Kirby. B. S. McElhinny. W. O. Hanson. E. H. Rich. H. D. McCoom. A. C. Sabin. A. P. Littleton. H. S. Beckman. E. C. Lane. T. J. B. Robinson M. K. Campbell. C.J.Seidensticker R. M. Campbell. Wm. Boston, Jr. 48 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. IOWA CONTINUED. County Seat. County. NameofAtty. Name of Bank. Cashier. Iowa City Johnson. Baker & Ball Citizens Saving & Trust Co. Geo. W. Koontz- Jefferson Greene. Russell & Toliver Greene Co. State Bk. M. M. Head. Keosauqua Van Buren. Mitchell & Sloan Keosauqua State Bk. Jno. L. Therme. Kiioxville Marion. J. D. Gamble Marion Co. Natl. Bk. O.L.Wright. Le Mars Plymouth. Strubble Bros. & Hart First Natl. Bk. G. L. Veruli. Leo 11 Decatur. Harvey & Parrish Exchange Bk. J.N.Clark. Logan Harrison. L. R. Bolter & Sons State Savings Bk. W.H.Johnson. Manchester.... Delaware. Morris & Dunham First Natl. Bk. M. F. Le Roy. Maqnoketa Jackson. W.C.Gregory Exchange Bk. John L. Sloane. Mareiigo Iowa. Hedges & Rumple First Natl. Bk. Q. P. Reno. Marion Linn. D. E. Voris Farmers & Merchants State Bk. E. J. Esgate. MarshalltownMarshall. Binford & Spelling First Natl. Bk. T. J. Fletcher. Mason City.... Cerro Gordo. Blythe, Markley & Smith City Natl. Bk. A. H. Gale. Montezuma ...Poweshiek. W.R.Lewis First Natl. Bk. G. W. Kierulff. Mount Ayr Ringgold. R. H. Spencer Citizens Bk. Clyde Dunning. Mt. Pleasant... Henry. W. S. Withrow Natl. State Bk. Jas. T. Whiting, Muscatine Muscatine. Richman & Burk Hershey State Bk. L.O.Burnett. Nevada Story. George W. Dyer First Natl. Bk. W. F. Swayze. New HamptoiiChickasaw. J. R. Bane First Natl. Bk. T.Donovan. Newton Jasper. A. M. Harrah First Natl. Bk. E. E. Lyday. North wood . . . .Worth. J. R. Smith Worth Co. State Bk. Henry T. Toye. Onawa Monona. Oliver Bros. & Tillson Onawa State Bk. v C. H. Huntington. Orange City Sioux. Wm. Hutchinson Northwestern State Bk. A. VanderMeide. Osage Mitchell. Eaton & Clyte Osage Natl. Bk. J. W. Annis. Osceola Clark. John Chaney Towa State Bk. F. W. Raskins. Oskaloosa Mahaska. George C. Morgan Oskaloosa Natl. Bk. E. E. Himes. Ottumwa Wapello. Wm. McNett First Natl. Bk. M. B. Hutchinson Pocahontas . . .Pocahontas. W. C. Rolston State Bk. of Pocahontas T. F. McCartan. Primghar O'Brien. 0. H. Montzheimer First Natl. Bk. Geo. R. Slocum. Red Oak Montgomery. J. McJunkin Red Gak Natl. Bk. Panl P. Clark. Rock Rapids.. Lyon. E. C. Roach First Natl. Bk. E. L. Partch. Rock well City Calhoun. Stevenson & Lavender Security Bk. Edw. W. Burch. Sac City Sac. W. H. Hart First Natl. Bk. H.H.Allison. Sibley Osceola. G. W. Lister First Natl. Bk. H. L. Emmert. Sidney Fremont. George E. Draper Metelman & Frazer W. T. Frazer. Sigourney Keokuk. C. H. Mackey Keokuk Co. State Bk. S. W. Brunt. Sioux City Woodbury. J. H. & C. M. Swan Security Natl. Bk. F. M. Case. Spencer Clay. Richardson, Buck & First Natl. Bk. David Painter. Kirk patrick Spirit Lake. ..Dickinson. A. W. Osborne First Natl. Bk. John W. Cravens. Storm Lake....Buena Vista. Henry F. Galpin First Natl. Bk. A. H. Weitt. Tipton Cedar. S.S.Wright. First Natl. Bk. W.J.Moore. Toledo Tama. Struble & Stiger Toledo State Bk. W. A. Dexter. Vinton Benton. Whipple & Zollinger Farmers Loan & Trust Co. C.O.Harrington. Wapello Louisa. H. 0. Weaver Wapello State Sav. Bk. W. H. Colton. Washington... Washington. C.C.Patterson Washington Natl. Bk. John A. Young. Waterloo Black Hawk. Franklin C. Platt First Natl. Bk. F. J. Eighmey. Waukon Allamakee. J. F. Dayton Citizens State Bk. W. E. Beddow. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. IOWA CONTINUED. 49 County Seat,. County. Waverly Bremer. Webster City ..Hamilton. West Union ...Fayette. Wlnterset Madison. Name of Atty. Gipson & Dawson George Wambach Einsworth & Einsworth Steele & Robbins Name of Bank. State Bk. Farmers Natl. Bk. Bk. of West Union Citizens Natl. Bk. Cashier. Louis Case. J. H. Shipp. F. Y. Whitmore. W. J. Cornell. DIGEST OF IOWA COMMERCIAL LAWS. Assignments. No general assignment of property by an insolvent, or in contemplation of insolvency, for the benefit of creditors, shall be valid unless it be made for the benefit of all his creditors in proportion to the amount of their respective claims. No preference is allowed to any creditor. Attachments. Attachments may issue when the defendant is a foreign corporation, or acting as such, or is a non-resident of the State; or is about to remove his property out of the State without leaving sufficient remaining for the payment of his debts ; or has disposed of his property, in whole or in part, with intent to defraud his creditors; or is about to dispose of his property with intent to defraud his creditors; or has absconded, so that the ordinary process cannot be served upon him ; or is about to remove permanently out of the county, and has property therein not exempt from execution, and that he refuses to pay or secure the plaintiff; or is about to remove permanently out of the State, and refuses to pay or secure the debt due the plaintiff; or is about to remove his property, or a part thereof, out of the county with intent to defraud his creditors; or is about to convert his property, or a part thereof, into money for the purpose of placing it beyond the reach of his creditors; or has property or rights in action .which he conceals: or the debt is due for property obtained under false pretences. Bank L.SIWS. Any number of persons may be incorporated for the transaction of the banking business, under the general incorporation laws of the State, but such asso- ciation must have the word " State " incorporated and made a part of the name of the corporation, and any association not Jncorporated, partnership or individual, engaged in banking business, is prohibited from embracing or including in the name of such association, partnership or individual, the word "State." The capital of such banks must not be less than $50,000, except in cities or towns having a popula- tion of 3,000 or less, where they may be organized with a paid up capital of not less than $25,000. Stockholders are responsible to the amount of their stock over the stock held. In case of insolvency, bill holders are to be preferred. Suspension of specie payment is not permitted. The General Assembly, by a two-thirds vote, may amend or appeal any law, and no special or exclusive privileges may be given. A full and accurate statement, verified by the oath of the president or vice-presi- dent, or cashier, or two directors, must be made quarterly to the Auditor of the State. The Auditor may cause to be made four examinations per year of each bank. Corporations, to be known as savings banks, may be formed under acts applying only to such banks, for the purpose of receiving on deposit the savings and funds of others, and preserving and safely investing the same, and paying inter- est or dividends thereon; and any number of persons, not less than five, may 4 50 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. IOWA CONTINUED. organize such savings banks with a paid up capital stock of not less than $10,000 in cities or towns of 10,000 inhabitants or under, and a paid up capital stock of not less than $50,000 in cities of over 10,000 inhabitants. Exemptions. The homestead must embrace the house used as a home by the owner thereof ; and if he has two or more houses thus used by him at different times and places he may select which he may retain as his homestead. It may contain one or more lots or tracts of land, with the buildings thereon, and other appurtenances, subject to the limitations below set forth, but must in no case embrace different lots and tracts unless they are contiguous, or unless they are habitually and in good faith used as a part of the same homestead. If within a town plat it must not exceed one-half acre in extent, and if not within a town plat, it must not embrace in the aggregate more more than forty acres. When thus limited, if in either case its value be less than $500, it may be enlarged until its value reaches that amount. It must not embrace more than one dwelling house, or any other buildings except such as are properly appurtenant to the homestead as such ; but a shop or other building situated thereon, and really used and occupied by the owner in the prosecution of his own ordinary business, and not exceeding $300 in value, may be deemed appurtenant to such homestead. It is liable for taxes accruing thereon, is subject to mechanics' liens, for work, labor or material done or furnished exclusively for the improvement of the same, and may, after all other property is exhausted, be sold on execution for debts contracted prior to its acquisition, except when purchased with pension money. A conveyance or encumbrance of a homestead by the owner is of no validity unless the husband or wife, if the owner be married, concur in and sign the same joint instrument. Personal property exempt includes tools, instruments, library, necessary team, etc., of mechanic, farmer, teacher, or professional man ; wearing apparel, household and kitchen furniture, $200 ; certain farm animals and necessary food for six months. Fore- going relates only to residents being heads of families ; unmarried persons and non- residents being only entitled to retain their own clothing and trunks, save and except pensioners. Where debtor is a printer, the printing press and types, furniture and material up to $1,200 are exempt. Earnings of debtor within ninety days of levy are exempt. Interest. Legal rate is 6 per cent. Parties may contract in writing for 8 per cent. Usury forfeits all interest and costs and 10 per cent of contract to school fund. Legal Holidays. Sunday, January 1, May 30, July 4, the first Monday in September, December 25, Thanksgiving, and Labor Day. Limitation of Actions. On unwritten contracts, those brought for injuries to property, or for relief on the ground of fraud in cases heretofore solely cognizable in a court of chancery, and all other actions not otherwise provided for in this respect, within five years. Those founded on written contracts, on judgment of any courts except those courts provided for in the next subdivision, and those brought for the recovery of real property, within ten years. Those founded on judgments of a court of record, whether of this State or any of the United States, or of the federal courts of the United States, within twenty years. Harried Women. A married woman may own property in her own right, and man- age, sell, convey and devise the same to the same extent as the husband can prop- erty belnnging to him. Neither husband or wife are liable for the separate debts of THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 51 IOWA CONTINUED. each other ; with the expenses of the family and education of the children are * chargeable upon the property of both husband and -wife, or either of them, and in relation thereto they may be sued jointly or separately. Notarial Fees. Protest $1.75 and twenty-five cents additional for each notice. Notes and Bills of Exchange. Upon all negotiable bills or notes payable within the State, grace is allowed, and notice of non-acceptance, or non-payment, or both, is required according to the rules of commercial law. Paper falling due on holi- days is payable the preceding day. Damages allowed on protested paper, 3 to 5 per cent. To hold indorser, note must be duly presented, payment refused, and indorser notified. Open accounts are assignable. Defense to non-negotiable paper and accounts accrued after notice in writing of assignment to maker invalid as against assignee, providing that if negotiable paper be obtained by fraud, the holder thereof shall recover no greater sum than he paid with interest and cost. Stay of Executions. On sums of less than $100 including costs, three months ; over $100, six months. All judgments on which stay is taken shall bear interest at the rate of 10 per cent, per annum. Transfer of Corporation tocks. The transfer of shares is not valid, except as between the parties thereto, until it is regularly entered on the books of the com' pany, so as to show the name of the person by and to whom transferred, the num- bers or other designation of the shares and the date of the transfer ; but such trans- fer shall not in any way exempt the person making it from any liability of said corporation created prior thereto. The books of the company must be so kept as to show intelligibly the original stockholders, their respective interests, the amount paid on their shares and all transfers thereof ; and such books, or a correct copy thereof, so far as the items mentioned in this section are concerned, shall be subject to the inspection of any person desiring the same. 52 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. KANSAS. County Seat. County. Abilene Dickinson. Alma Wabaunsee. Anthony Harper. Ashland Clark. A t<-!i l*oii Atchison. At wood Rawlins. Belleville Republic. Beloit Mitchell. Burlington Coffee. Cimarroii Gray. Clay Center Clay. Colby Thomas. Cold water Comanche. Columbus Cherokee. Concordla Cloud. Cottonwood Falls. Chase. Council Grove.Morris. Dightou Lane. Dodge City Ford. Eldorado Butler. Ellsworth Ellsworth. Emporia Lyon. Erie Neosho. Eureka Greenwood. Fort Scott Bourbon. Fredo ilia Wilson. Garden City . . .Finney. Garnett Anderson. Girard Crawford. Gove Gove. Goodland Sherman. Great Bend Barton. Greensburgh. .Kiowa. Hays City Ellis. Hiawatha Brown. Hill City Graham. Holton Jackson. Howard Elk. Hoxie Sheridan. Hiigoton Stevens. Hutchlnson Reno. Independence Montgomery lola Allen. Jetmore Hodgeman. Johnson Stanton. Junction City. Geary. Kansas City...Wyandotte. Name of Atty. C. S. Crawford J. B. Barnes George R. Snelling H. J. Bone Henry Elliston J. C. Cole T. M. Noble A. E. Ellis G. E. Manchester T. H. Reeve F.L.Williams Joseph A. Gill W. J. Jackson W. R. Cowley Caldwell & Ellis Johnston Bros. Bertram & Nicholson J. S. Simmons M. W. Sutton Reddem & Schumacher Ira E. Lloyd L. B. Kellogg J. L. Denison W. S. Marlin Perry & Grain S. S. Kirkpatrick H. F. Mason Walter Latimer Brown & Russel R. C. Jones Hoyt Andrews Swartz & Smith T. E. Dempey A. J. Bryant James Falloon H. M. Baldwin J. H. Lowell John Marshall M. A. Chambers Wm. O'Conner Hettinger Bros. Ziegler & Ziegler Campbell & Hawkins W. S. Kenyon A. B. Reeves Humphrey & Laundy Miller & Morris Name of Sank, Citizens Bk. Alma State Bk. First Natl. Bk. Farmers & Stockgrowers Bk. First Natl. Bk. Rawlins Co. Bk. Natl. Bk. of Belleville. Beloit State Bk. Peopels Natl. Bk. Cimarron Bk. First Natl Bk. Thomas. Co. Bk. Comanche Co. State Bk. Cherokee Co. Bk. First Natl. Bk. Chase Co. Natl. Bk. Farmers & Drovers Bk. First Natl. Bk. Bk. of Dodge City. Farmers & Merchants Natl. Bk. Central Natl. Bk. First Natl. Bk. Bk. of Erie. First Natl Bk. Bk. of Ft. Scott. Wilson Co. Bk. First Natl. Bk. First Natl. Bk. First Natl. Bk. Exchange Bk. Sherman Co. Bk. J. V. Brinkman Co. Bk. See Pratt. Bk. of Hays City. Morrill & Janes Bk. Farmers & Merchants Bk. State Bk. of Holton. First Natl. Bk. Sheridan Co. Bk. See Meade. First Natl. Bk. Commercial Natl. Bk. Bk of Allen Co. First State Bk. See Syracuse First Natl. Bk. Wyandotte Natl. Bk. Cashier. T. H. Malott. L. Palenske. P. G. Walton. A. M. Van Laningham. S. A. Frazier. B. D. Hensley. D. D. Bramwell. M. M. Rowley. A. P. Brigham. C. S. Warner. P. P. Kehoe. W. S. Ferguson. J. M. Lobaugh. H. A. La Rue. W. W. Bowman. W. W. Sanders. A. Moser, Jr. F. W. King. E. F. Kellogg. E. C. Ellet. G. T. Tremble. D. M. Davis. C. C. Dutoon. Ira P. Nye. C. F. Martin. J. D. Allen. D. R. Menke. Ed. L. Foster. J. T. Leonard. G. A. Jones. J. M. Jordan. Louis Zutavern. L. G. Little. C. D. Lamme. H. W. Robinson. A. Dunn, Jr. C. F. Plowman. P. G. Walker. E. L. Meyer. G. T. Guernsey. H. M. Miller. C. E. Wilson. C. W. Strickland. C. W. Trickett. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 53 KANSAS CONTINUED. County Seat. County. Name of Atty. Name of Bank. Cashier. Kihgman Kingman. Hay & Hay First Natl. Bk. A. C. Tredick. Kinsley Edwards. F. D. Smith Kinsley Bk. F. B. Hine. LaCrosse Rush. H.L.Anderson First Natl. Bk. H. L. Baker. Lakln Kearney. M. G. Kelso Kearney Co. Bk. B.B.Bacon. Lamed Pawnee. W. H. Vernon First Natl. Bk. O. F. Norwood. Lawrence Douglass. S. 0. Thacher Lawrence Natl. Bk. . W. L. Howe. Leaven worth .Leaven worth. W. C. Hook Leavenworth Natl. Bk. Edward Carroll. LeotI Wichita. J. S. Caldwell First State Bk. I.B.Martin. Lincoln Lincoln. C. B. Daughters Lincoln State Bk. Frank F. Chase. Lyndon Osage. J. H. Stavely Peoples State Bk. A. L. Wilson. Lyons Rice. Jones & Jones Lyons Exchange Bk. J. H. Eble. ?IcPherson....McPherson. Grattam & Grattam First Natl. Bk. A. E. Dwelle. Manhattan Riley. John E. Hessin First Natl. Bk. G. S. Murphy. llaiikato Jewell. G. H. Bailey Bk. of Mankato J. P. Fair. Marion Marion. H. A. McLean. First State Bk. C. H. Cnrtsi. llarysville Marshall. J. A. Broughten Exchange Bk. Chas. D. Schmidt. OTeade Meade. Bodle & Bodle Stockgrowers & Farmers Bk. O. Hamilton. MEDICINE LODGE.. Barbour. G. M Martin Citizens State Bk. F. B. Chapin. Minneapolis... Ottawa. Rees & Tomlinson Citizens Natl. Bk. J. W. Smith. Jlound City.... Linn. James D. Snoddy Farmers & Merchants Bk. H. C. Reese- Ness City Ness. Thomas Berry First Natl. Bk. C.L.Rogers. Newton Harvey. Bowman & Bucher First Natl. Bk. A.B.Gilbert. Norton Norton. L. H. Wilder First Natl. Bk. F. S. Hazelton. Oakley Logan. K. E. Wilcockson Bk. of Oakley. H. F. Gressler. Oberlin Decatur. Bertram & McElroy Oberlin Natl. Bk. Otis L. Benton. Olatne Johnson. Parker & Hamilton First Natl. Bk. J. L. Price. Osborne Osborne. Robinson & McBride First Natl. Bk. Grover Walker. Oskaloosa Jefferson. Marshall Gephard Jefferson Co. Bk. M. L. Critchfield Oswego Labette. Nelson Case Labette Co. Bk. J. M. Berry. Ottawa Franklin. Wm. H. Clark. Peoples Natl. Bk. Peter Shiras. Paola Miami. John C. Sheridan Miami Co. Natl. Bk. Wm. Crowell. PHILLIPSBURGH... Phillips. C.L.Lewis First Natl. Bk. W. D. Granger. Pratt Pratt. Thompson & Apt First Natl. Bk. G. Carlander. Rlchneld Morton. G. P. Craddock See Meade Russell Russell. Sutton & Russell Russell State Bk. Albert YoxalL Sallna Saline. Milliken & Musser. Natl. Bk. of America Frank Hageman- Santa Fe Haskell. See Cimarron Scott Scott. Travis Morse Bk. of Scott City S. C. Grable. Sedan Chautanqna. Hill. Fitzpatrick & McGuire. First Natl. Bk. J.T.Bradley. Seneca Nemaha. S. K. Woodworth State Bk. of Seneca John A Gilchrist. SharonSprlngsWallace. W. S. Roark Bk. of Sharon Springs Smith Center.. Smith. L. C. Uhl First Natl. Bk. J. D. Mossman. Springfield Seward. W. A. Flush See Meade St. Fraiiels Cheyenne. Thomas F. Eagan Bk. of St. Francis W. C. Willite. St. John Stafford. Moseley & Dixon St. John State Bk. Howard Gray. Stockton Roks. W. B. Ham Exchange Bk. E.J.Williams. Syracuse Hamilton. George Getty Bk. of Syracuse W. F. Reed & Co. Topeka Shawnee. J. D. McFarland Bk. of Topeka J. W. Thureton. Tribune Greeley. W.M.Glenn Bk. of Tribune C. E. Wightman. 54 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. KANSAS CONTINUED. County Seat. County. NameofAtty. Name of Bank. Cashier. Troy Doniphan. C. C. Camp Bk. of Troy H. L. Boder. Ulysses Grant. J.W.Jordan At Lakin, Kearney Co. Bk. B.B.Bacon. Wa Keeiiey....Trego. W. E. Saum Wa Keeney State Bk. R.C.Wilson. Washington ..Washington. Charles Smith Washington Natl. Bk. J. S. Alspaugh. Welllngton....Sumner. W. W. Schwinn Wellington Natl. Bk. W.H.Burks. WestmorelaiidPottavvatomieSmith & Badgley First Natl. Bk. Warren Anthony Wichita Sedgwick. Campbell & Dyer Fourth Natl. Bk. J.M.Moore. Winfield Cowley. J. C. Pollock Winfield Natl. Bk. Wm. E. Otis. Yates Center... Woodgon. J. E. Wirick Yates Center Bk. H. H. Winter. DIGEST OF KANSAS COMMERCIAL LAWS. Assignments. Assignments may be made for the benefit of all creditors, without pref- erence. Attachments. An attachment will be issued when the defendant is a foreign corporation or a non-resident of the State (but in this case for no other claim than a demand arising upon contract, judgment or decree, unless the cause of action arose wholly within the limits of this State); where the defendant has absconded with the intent of defrauding his creditors ; where the defendant has left the county of his resi- dence to avoid the service of his summons ; or so conceals himself that a summons cannot be served upon him ; or is about to remove his property, or a part thereof, out of the jurisdiction of the court ; or is about to convert his property, or a part thereof, into money for the purpose of placing it beyond the reach of his creditors ; or has property or rights in action which he conceals ; or has assigned, removed or disposed of, or is about to dispose of his property, or a part thereof; or fraudu- lently contracted the debt or incurred the debt, liability or obligation. Bank Laws. Any five or more persons in this State may organize themselves into a banking association, and shall be permitted to carry on the business of receiving money on deposit and to allow interest thereon, giving to the person depositing credit therefor ; and of buying and selling exchange, gold, silver, coin, bullion, un- current money, bonds of the United States, of the State of Kansas, and of the city, county and school district in which any association shall be organized ; of loaning money on real estate and personal security, at a rate of interest not to exceed the legal rate allowed to banks; and of discounting negotiable notes and notes not negoti- able. The name selected for such bank shall not be the name of any other bank doing business in the State. The capital stock shall not be less than $50,000, of which half must be paid in before commencing business and not less than 10 per cent, each month thereafter until all is paid. Capital maybe increased, the increase to be paid in full. Twenty per cent, of deposits must be kept on hand or on de- posit with solvent banks, at least half of which must be in cash on hand. Not more than 12 per cent, of capital and surplus shall be loaned to one debtor. Officers criminally liable for receiving deposits when bank is insolvent. Dividends can only be paid out of net profits after deducting bad debts. Private banks are sub- jected to the provisions of the law. The Bank Commissioner or deputy must make examination of each bank at least once a year. Four reports per annum are re- quired and the Commissioner may call for others. The reports are practically the same as those required of national banks. Refusal to comply with the law forfeits charter. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 55 KANSAS CONTINUED. Exemptions. One hundred and sixty acres farming land or one acre in incorporated city, with all improvements thereon, while occupied by family of owner, cannot be alienated, except by joint consent of husband and wife. No exemption for pur- chase money or for improvements erected on homestead. Every person being the head of a family shall have exempt personal property not exceeding $500 ; cattle, implements, etc., not exceeding $300; grain, meat, vegetables, groceries, etc., for the family for one year ; the tools and implements of any mechanic, minor, or other person, and in addition thereto stock-in-trade not exceeding $400 in value, library, implements, and office furniture of any professional man. Residents, not the head of a family, have tools, implements, and stock-in-trade up to $400 exempt from execution. Interest. Six per cent. May contract in writing for 10 ; if more than 10 per cent, is contracted for, double the excess of 10 per cent, is forfeited. Usury does not affect bonafide holder of negotiable paper without notice, but after payment double the excess paid may be recovered back of person originally exacting the usury, if suit be brought within ninety days after maturity of such paper. Legal Holidays. Sunday, January 1, May 30, July 4, December 25, Public Fast and Thanksgiving, Labor Day. Limitation of Action*. An action upon any agreement, contract or promise in writing, within five years. An action on a contract not in writing, express or implied, on a liability created by statute other than a forfeiture or a penalty, within three years. An action for trespass upon real property for taking, detaining or injuring personal property, including replevin, for injury to the rights of another, not hereinafter enumerated, for relief on the ground of fraud, within two years ; in case of fraud, cause of action does not accrue until discovery of the fraud. Married Women. The property, real and personal, which any woman in this State may own at the time of her marriage, or which may come to her otherwise than by her husband, shall remain her sole and separate property, and not to be subject to the disposal of her husband or liable for his debts. A woman may, while married, sue and be sued in the same manner as if she were unmarried. Notarial Fees. Protest, $1.50. Notes and Bills of Exchange. All bonds, notes, and bills of exchange, foreign and inland, drawn for any sum or sums of money, and made payable to any person or bearer shall be negotiable by indorsement thereon if payable to order, and by deliv- ery if payable to bearer, so as to absolutely transfer and vest the property thereof in each and every indorsee or holder, successively. No person or persons, bank or body corporate, residing or doing business within the limits of this State, can be held liable for protest damages on any bond, note or bill protested for non-accept- ance or non-payment. All bonds, notes and bills of exchange, except bank checks and sight drafts made negotiable, shall be entitled to three days' grace. Paper maturing on a holiday becomes due on the day previous. Stay of Executions. In Justice Courts, by filing bond, on twenty dollars and under, thirty days ; twenty to fifty dollars, sixty days ; fifty to one hundred dollars, ninety days ; over one hundred dollars, one hundred and twenty days. Transfer of Corporation Slock*. Shares of stock may be transferred by endorse- ment, on the books of the company, or as prescribed by the by-laws. The mere assignment and delivery of stock certificates does not divest the tranferrer of indi- vidual liability until the stock sold has been transferred on the books of the corpor- ation. 56 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. KENTUCKY. County Seat. County. NameofAtty. Albany Clinton. S. C. Hardin Barboursville.Kr.ox. John Dishman Bardatown Nelson. John D. Wickliffe Bard well Carlisle. J. A. Ray Beatiy ville . . . .Lee. G. W. Gourley Bedford Trimble. W. F. Peak Beiitoii Marshall. J. W. Dyens Booiiev Hie Owsley. J. M. Sebastien BOWLING GREEN.. Warren. John M. Galloway BRANDENBURGH.-.Meade. J.W.Lewis Brookville Bracken. H. P. Willis Brownsville .Edmundson. A. A. Sturgeon Burkesville.... Cumberland. M. 0. Allen Burlington Boone. F. Riddell Cadis Trigs- R. A. Burnett Calliouii McLean. Wm. B. Noe CAMPBELLSVILLE. Taylor. J. R. Robinson Cainpton Wolfe. Joseph C. Lykins Carlisle Nicholas. H. Kennedy Carrollton Carroll. E. C. Smith Cattlesburgli..Boyd. Thomas R. Brown Clinton Hickman. George W. Griffey Columbia Adair. H B. Miller Covington Eenton. Chas. S. Furber Cyntliiana Harrison. Blanton & Berry Danville Boyle. R.P.Jacobs Mi x on Webster. F. M. Baker Eddyville Lyon. T. J. Watkins Edmonton Metcalf. J. C. Muncie ELIZABETHTOWN . .Hardin. S. H. Bush Elkton Todd. H. G. Petrie Falmoutli Pendlelon. L. T. Applegate Flemingburg. .Fleming. W. G. Dearing Frankfort Franklin. John W. Rodman Franklin Simpson. Walker & Walker Frencliburg... .Menilee. J. H. Williams Georgetown ..Scott. James Y. Kelly Glasgow Barren. Boles & Duff Graynon Carter. Frank Powers Greensburgh.. Green. Jeff. Henry Greenup Greenup. B. E. Roe Greensville . .. .MuhlenburghW. A. Wickliffe HARDINSBURGH . . .Breckenridge. Morris Eskridge lliirlaii Harlan. W. F. Hall Harrodsburg.. Mercer. Bell & Bell Hartford Ohio. Taylor & McHenry Hawesvllle Hancock. T. B. White Name of Bank. See Somerset Bk. of John A. Black Bk. of Wilson & Muir Bardwell Deposit Bk. See Richmond Bedford Loan & Dep. Bk. Bk. of Benton See Richmond Potters Bk. Meade Co. Deposit Bk. Bracken Co. Bk. Bk. at Smiths Grove, Deposit Bk. Bk. of Cumberland BocneCo. Dep. Bk. Trigg Co. Farmers Bk. Bk. of Calhoun Bk. of Campbellsville At Clay City, Clay City Natl. Bk. Deposit Bk. First Natl. Bk. CattlesburghNatl. Bk. Clinton Bk. Bk. of Columbia. Citizens Natl. Bk. Natl. Bk. of Cynthiana Boyle Natl. Bk. Dixon Bk. Farmers Bk. See Columbia Bk. of Elirabethtown Farmers & Merchants Bk. Falmouth Dep. Bk. Fleming Co. Farmers Bk. State Natl. Bk. Simpson Co. Bk. See Mt. Sterling First Natl. Bk. First Natl. Bk. Commercial Bk. Greensburgh Dep. Bk. Farmers & Merchants Bk. First Natl. Bk. Bk. of Hardinsburgh See Pineville First Natl. Bk. Bk. of Hartford Hancock Dep. Bk. Cashier. Eugene Wilson. H. H. Loving. W. E. Logan. Solon L. Palmer. J. E. Potter. J. L. Fairleigh. Y. Alexander. E. Bland. J. A. Dixon. J. C. Revill. E. R. Street. A. L. Moseley. John N. Turner. J. F. Cox. F. E. Congleton. John M. Giltner. James Trimble. J. M. Ringo. J. Coffey. Wm. G. Allen. J. S. Withers. H. G. Sanifer. C. A. Davis. M. P. Molloy. W.C.Montgomery S. H. Perkins. J. E. Bohennon. John W. Heflin. C. E. Hoge. A. T. Bradley. W. G. Abbett. W. B. Smith. A. T. Henderson. B. W. Penick. J. E. Pollock. Edgar D. Martin. M. H. Beard. H. C. Bohom. John C. Riley. W. S. Thomas. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 57 KENTUCKY CONTINUED. County Seat. County. Xame qf Atty. Same of Bank. Cashier. Hazard Perry. J. H. Combes See Manchester Henderson Henderson. Yeaman & Lockett Planters State Bk. David Banks. Hicknian Fulton. B. T. Davis. Hickman Bk. W. C. Johnson. Hindiuaii Enott. Tyne & Adams See Pikeville Hodgenvllle ...La Rue. D. H. Smith La Rue Co. Dep. Bk. J. W. Muir, Jr. Hopklnsvllle.. Christian. Petree & Downer City Bk. W.T.Tandy. Hyden Leslie. John L. Dixon See Manchester Inez Martin. J. S. Patton See Pikeville. Irvine Estill. V. P. Smith See Richmond Jackson Brethitt. D. S. Hobson At Clay City, Clay City Natl. Bk. J. F. Cox. Jamestown Russell. Jas F. Montgomery See Columbia La Grange Oldham. A. T. Ladd Oldham Bk. J.T.Wilson. Lancaster Garrard. Wrti. Hearndon Citizens Natl. Bk. B.F.Hudson. LAWRENCEBURGH .Anderson. F. R. Feland Lawrenceburgh Bk. J. M. Johnson. Lebanon Marion. Sam. T. Spaulding Marion Natl. Bk. J. M. Enott. Leltchfield Grayson. G. W. Stone Grayson Co. Bk. 6. W. Long. Lexington Fayette. Thornton & Kerr Phoenix Natl. Bk. J. W. Rodes. Liberty Casey. Silas Adams See Campbellsville London Laurel. W.S.Jackson First Natl. Bk. R.M.Jackson. Louisa Lawrence. Alex. Lackey Bk. of Louisa G. R. Vinson. Louisville Jefferson. Barnett. Miller & Barnett Union Natl. Bk. L. O. Cox. McKee Jackson. W.H.Clark See Richmond Madlsonvllle. .Hopkins. Waddill & Nunn Bk. of John G. Morton W.C.Morton. Manchester Clay. J. H. Garrard Bk. of Manchester R. C. Ford. Marlon Crittenden. James & James Marion Bk. Thos. J. Yandell . May field Graves. W? W. Robertson Bk. of Mayfield R. A. Mayes. Maysvllle Mason. Cochran&Sons First Natl. Bk. W. W. Ball. Montlcello Wayne. Joseph Bertram Monticello Bkg. Co. W. L. Baker. Morehead Rowan. John R. Powers See Mt. Sterling Morgaiineld.... Union. Adair & Morton Peoples Bk. W.M.Morgan. Morgantown.. Butler. W. A. Helm Morgantown Dep. Bk. John M. Carson. Mt. Olivet Robertson. J. J. Osborne Mt. Olivet Dep. Bk. A. S. Rice. MountSterllngMontgomery.J. Grand, R. H. Winn Mt. Sterling Natl. Bk. Pierce Winn. Mount VernonRock Castle. C.C.Williams See Stanford Munfordvllle .Hart. H. W. Curie Hart Co. Dep. & Tr. Co. George D. Mintz. blurry Galloway. T. P. Cook Bk. of Murry. W. P. Gatlin. New Castle Henry. J. D. Carroll Bk. of New Castle. J. W. Mathews. Newport Campbell. Will H. Lyons First Natl. Bk. T. B. Youtsey. Nlcholasvllle .Jesamine. J. S. Bronaugh & Son Farmers Ex. Bk. B. M. Arnetl. Owensboro' Daviess. Sweeney, Ellis & Sweeney Owensboro' Natl. Bk. Lawson Reno. Owentou Owen. E. E. Settle Farmers Natl. Bk. J. Holbrook. Owliigsvllle . . .Bath. R. Gudgell & Son Farmers Bk. H. 8. Goodpaster. Paducah McCracken. Greer & Reed First Natl. Bk. T. A. Baker. Palntsvllle ....Johnson. J. P. Wells See Louisa Paris Bourbon. Mann & Ashbrook Agricultural Bk. Henry Spears. Pikeville Pike. Connolly & Connolly Bk. of Pikeville L.J.Williamson Plnevllle Bell. D. B. Logan First Natl. Bk. J. R. Rice. Prestonburg ..Floyd. F.A.Hopkins The Bk. of Josephine A.J.Davidson. 58 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. KENTUCKY CONTINUED. County Seat. County. Name of Atty. Name of Bank. Princeton Caldwell. Wm. Marble First Natl. Bk. Richmond .... .Madison. J. A. Sullivan Madison Natl. Bk. Russelvllle . . . . Logan. S. R. Crewdson Logan Co. Bk. Salyersvllle ... .Magoffin. T. J. Arnett See Prestonburg Sandy Hook.. .Elliott. M. M. Redwine See Louisa Scottsville .Allen. J. J. Gatewood See Franklin Shelbyville . . . . Shelby. T. J. Beard Citizens Bk. SHEPHERDSVILLE .Bullitt. J. F. Combs Bullitt Co. Bk. Smitland .Livingston. J. W. Bush See Paducah Somerset Pulaski. 0. H. Waddle First Natl. Bk. Springfield .Washington. Thomas W. Simms, Jr. First Natl. Bk. Stanford Lincoln. J. B. Paxton First Natl. Bk. Stanton Powell. John D. Atkinson See Winchester Taylorsvllle . . . Spencer. L. B. Brown Bk. of Taylorsville TOMPKINSVILLE.. .Monroe. M. T. Flippin Dep. Bk. of Monroe Co. Vanceburgh . . . Lewis. Thomas & Pugh Deposit Bk. Versailles Woodford. E. M. Wallace Bk. of J. Amsden & Co. Warsaw Gallatin. D. E. Castleman Warsaw Dep. Bk. West liberty. .Morgan. S. J. Sayler See Grayson Whltesburgh .Letcher. J. P. Mares See Pikeville Wlckllfle .Ballard. White & White See Bardwell WILLIAMSBURGH. .Whitley. R. D. Hill Bk. of Williamsburgh WILLIAMSTOWN.. .Grant. A. G. Dejarnette Grant Co. Dep. Bk. Winchester. . . .Clark. Beckner & Jouett Clark Co. National Bk. Cashier. Edward Garrett. C. D. Chenault. H. B. Caldwell. J. C. Burnett. C. F. Trontman. J. A. McGee. A. C. McElroy. J. J. McRoberts. H. H. Mathis. J. H. Richardson. Thomas S. Clark. J. P. Amsden. J. E. Mountjoy. John W. Siler. C. C. Nespitt. B. F. Curtis. DIGEST OF KENTUCKY COMMERCIAL LAWS. Assignments. Voluntary assignments for the benefit of all creditors are governed by common law rules, the State having no statute regulating the same. Disposing of property by an insolvent debtor for the purpose of preference or defrauding credi- tors, operates under statute as an assignment for the benefit of all creditors. Attachments. Grounds of attachment : Non-residence of the defendant or foreign cor- poration; or has been absent from the State four months; or has departed this State with intent to defraud creditors ; or has left the county of his residence to avoid service of summons, or conceals himself to avoid service of summons; or is about to remove, or has removed his property, or a material part thereof, out of this State, not leaving enough to satisfy plaintiff's claim; or has sold or disposed of his property with intent to defraud, hinder or delay creditors; or is about to sell, con- vey, or otherwise dispose of his property with such intent. Bank Law*. State banks are only chartered by the Legislature. There is no supervision of banks by the State authorities, but such banks are required to make and publish semi-annually, on the first of January and July, a statement of their condition, verified under oath, and a copy of this statement must also be filed with the State Auditor. Minors and married women may make deposits in their own names, and draw checks on the same as if of full age or unmarried. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 59 KENTUCKY CONTINUED. Exemptions. Homestead not to exceed in value $1,000, is exempt to the head of the family when occupied by the family, and can be conveyed by joint deed of husband or wife. Interest. Legal rate is 6 per cent. All usurious contracts are void to the extent of the usury. Usury paid to assignee of the lender may be recovered of the lender. Usury paid may be recovered. Legal Holidays. Sunday, January 1, February 22, July 4, December 25, Public Fast and Thanksgiving, Decoration Day and Labor Day. Limitation of Actions. On judgments, notes and bonds, fifteen years ; contracts not in writing, five years ; for personal injuries, by railroads and other companies, seduction, slander, etc., one year. For the recovery of real estate the action is barred ordinarily in fifteen years from the accruing of the action. Married Women. Can bind her general real estate for her husband's debt only by mortgage, executed by herself ; and husband cannot bind her general estate by note or otherwise, except by a lease for a term not exceeding three years, may be empowered by a Court of Equity to trade as &femme sole. Notarial Fees. Protest $1.25 and twenty-five cents for each endorser. Notes and Bills of Exchange. All bills of exchange are negotiable, but notes are only made so when " payable and negotiable at a bank." Non-negotiable instru- ments are assignable so as to vest a right of action in the assignee, but any defense good against the payee and arising before notice of the assignment is good against the assignee. Indorsers of non-negotiable notes can only be held after suit and return of "no property" against the maker commenced and prosecuted with due diligence. Three days of grace are allowed by custom. Paper maturing on a holiday becomes due the day preceding. Protest should be made upon the last day of grace. It is essential to a recovery against indorsers on foreign bills of negotiable notes placed in their rank, but an inland bill is not required by law to be protested, nor is a certificate of a notary of such protest evidence of itself of dishonor. Stay of Execution*. An execution may be replevied for three months at any time before sale by defendant giving good security. Transfer of Corporation Stocks. Transferable on the books of the corporation. 60 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. LOUISIANA. Ceunty Seat. County. NameofAtty. Name of Bank. Cashier. Abbeville Vermillion. W.W.Edwards. Bk. of Abbeville L. O. Drongsard. Alexandria Rapides. White & Thornton Rapides Bk. Charles Owen. Amite City Tangipahoa. Wm. B. Kemp At Hammond, Bk. of Hammond Arthur Tong. Arcadia Bienville. J. E. Reynolds Bk. of North Louisiana S. W. Smith, Jr. Bastrop Morehouse. Bussey & Naft Bastrop State Bk. Alex. B. Marks. Baton Rouge. EBatonKougeKernan & Laycock Bk. of Baton Rouge Joseph Gebelin. Bayou Sara... W. Feliciana.S. McLawrason Bk. of West Feliciana E. J. Buck. Benton Bossier. See Shreveport Cameron Cameron. Alexandre Dupuis See Lake Charles Clinton E. Feliciana. W. F. Kernen See Bayou Sara C'ollax Grant. W.C.Roberts See Alexandria Columbia Caldwell. S.H.Gilbert See Monroe Convent St. James. Sims & Poche See Donaldsonville Consnatta Red River. J. C. Eagan See Minden Covlngton St.Tammany.F. F. Guyot See New Orleans Crowley Acadia. P. J. Chappin Crowley State Bk. W.E.Ellis. DONALDSONVILLE .Ascension. Paul Leche Bk. of Donaldsonville W. D. Park. Kdgard St. J.Baptiste. See New Orleans Farniersvllle. . Union. Dawkins & Dawkins See Ruston Floyd West Carroll. R. J. Loudon See Bastrop Franklin St. Mary's. P. H. Mentz First Natl. Bk. H. S. Palfrey. Fraukllnton ..Washington. At Hammond. Bk. of Hammond Arthur Tong. Greensburg St. Helena. Wright & Lea See Bayou Sara Gretna Jefferson. A. E. Billings See New Orleans Hahnvllle St. Charles. Charles Baquie See New Orleans HARRISONBURGH..Cataboula. D.N.Thompson See Alexandria Homer Claiborne. J. W. Holbert Homer Natl. Bk. C.O.Ferguson. Homna Terre Bonne. Winchester & Bryant Bk. of Homna Joseph H.Pullem. Lafayette Lafayette. C. Debaillon Peoples State Bk. Crow Girard. Lake Charles.. Calcasieu. D. B. Gorham First Natl. Bk. A.L.Williams. LAKE PROVIDENCE.E. Carroll. Ransdell & Ransdell See Bastrop Lees vl lie Vernon. D. Scarborough See Alexandria Mansfield De Soto. E. W. Sutherlin Bk. of Mansfield Oscar M. Nileon. Many Sabine. Ponder & Sorrelle See Natchitoches Marksvllle Avoyelles. J.M.Edwards See Alexandria Minden Webster. L. K. Watkins Bk. of Minden Robert H. Miller. Monroe Ouachita. Stubbs & Russell Ouachita Natl. Bk. J.J.Jordan. Napoleonville. Assumption. Pugh, Pugh & Markx See Thibodeaux Natcbitoches..Natchitoches.John M. Tucker Exchange Bk. J. C. Trichel, Jr. New Iberia . . . .Iberia. Foster & Drousard New Iberia Natl. Bk. P. L. Renoudet. New Orleans... Orleans. Branch K. Miller Whitney Natl. Bk. J. M. Pagand, Jr. New Roades. . . Point Coupee.Yaist & Clabone See Bayou Sara Opelonsas St. Landry. Kenneth Baillio St. Landry State Bk. Plaquemliie. ..Iberville. Alex. Herbert Bk. of Plaquemine POINTEALAHACHEPlaquemines. , See New Orleans Port Allen WBatonRougeJ. E. Le B'lane, Jr. See Baton Rouge J. T. Skipper. J. M. McClure. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 61 LOUISIANA CONTINUED. Courtly Seat. County. Port Vincent.. Livingston. Ray vllle Kichland. Ruston Lincoln. Shreveport Caddo. St. Bernard St. Bernard. St. Josepb Tensas. ST. MARTINVILLE.. St. Martin. Tall ulah Madison. Thlbodeaux ...La Fourche. Vernon Jackson. Vldalia Concordia. \Viniifleld Winn. WINNSBOROUGH. ..Franklin. Name of Atty. See Baton Rouge Wells & Wells E. M. Graham Wise & Herndon See New Orleans Clinton & Ganett R. Martin W. M. Murphy T. A. Bodeaux N. M. Smith York & Young S. M. Brian C. L Berry Name of Bank. See Bastrop Ruston State Bk. Commercial Nat). Bk. See Port Gibson, Miss. Bk. of St. Martinville See Vicksburg, Miss. Bk. of Thibodeaux See Houston See Natches, Miss. See Alexandria See Bastrop Cashier. E. H. Maifield. J. H. Ross. A. Bienvenu. C. P. Shaver. DIGEST OF LOUISIANA COMMERCIAL LAWS. Assignments. An insolvent debtor may make surrender of property to creditors, or an involuntary surrender may be forced by any creditor who shall issue an execution which is returned unsatisfied. Attachments. Attachment issued whenever the debtor resides out of the State; has, or is about permanently to leave it, conceals himself ia order to avoid service of cita- tion; when he has mortgaged, assigned or disposed of, or is about to mortgage, assign or dispose of his property, rights or credits, or some part thereof, with intent to defraud his creditors, or give an undue preference to some of them; when he has converted, or is about to convert, his property into money or evidences of debt, with intent to place his property beyond the reach of his creditors. Whenever the debtor is about to remove his property out of the State before the debt becomes due, non- resident creditors are entitled to the writ to enforce their claims same as resident creditors. Bank Law*. Banking corporations must be organized under the general free banking laws. The number of persons organizing must exceed five. No special acts of incorporation can be passed. There are no laws requiring savings banks to invest in any particular class of bonds. There are seven banks in the City of New Orleans still doing business under State charters. Charters are granted for a period not exceeding ninety-nine years. Notes for circulation, secured by public bonds deposited with State Auditor, may be issued. Banks must make and publish quarterly statements. Stockholders are liable for the par value of stock only. Savings, safe deposit and trust banks may be organized without power to issue bank notes. Exemptions. To head of family, real estate, if owned and occupied as a residence, together with certain furniture, stock, implements, provisions, etc., the property not to exceed $2,000, and no exemption if wife has separate property worth over 62 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. LOUISIANA CONTINUED. Interest. Legal rate is 5 per cent., but 8 per cent, may be agreed upon. If higher than 8 per cent, be charged, such charge forfeits entire interest. If paid it may be sued for and recovered within twelve months. But a higher rate may l:e recovered if included in the principal of the note. Legal Holidays. Sunday, January 1, January 8, February 22, Mardi-Gras, July 4 r November 25 (Labor Day), December 25, Good Friday, Thanksgiving Day, designated by the President and every Saturday from noon until midnight, March 4, in New Orleans, November 1. Limitation of Actions. Open accounts are prescribed in three years ; closed acknowledged accounts in ten years ; notes in five. ^Harried Women. In the absence of ante-nuptial contract, all property acquired in the marriage belongs to the "Community of gains," and all debts contracted during the same period must be discharged by the ' ' community. " The husband is the manager of the " community," and binds it by his contracts. Notarial Fees. Protest $2.50 to $3.50. Notes and Bills of Exchange. Whenever a promissory note is endorsed for the benefit of the maker thereof, if caused by the maker to be discounted in any bank in operation within the State, or if the maker obtain any money in consideration of said note from any person, the indorser shall be bound to the holders of the note as if it had been discounted or negotiated for his own use or benefit. Bills and notes, or other obligations for the payment of money, to be evidence of a debt, must express the whole sum in writing. Bills and notes are entitled to three days' grace, except bills at sight or order for money on demand, which are allowed no grace. Paper falling due on holiday is payable the business day following. Stay of Executions. May be applied for at any time. Transfer of Corporation Stocks. By endorsement and transfer on the books of the corporation. THE LEGAL AND FINANCIAL FIGHTS OF AMERICA. 63 MAINE. Name of Alty. S. M. Came Cminty Seat. County. Alfred York. Auburn AndroecogginTascus Atwood Augusta Kennebec. Lendall Titcomb Baiigo r Penobscot. John R. Mason Bath Sagadahoc. George E. Hughes Belfast Waldo. R. F. Dunton Dover Piscataquis. Henry Hudson Ellsworth Hancock. J. A. Peters, Jr. Farmlugton. . .Franklin. S. Clifford Belcher Houltoii Aroostook. F. A. Powers Machlas Washington. P. B. Danworth Paris Oxford. H. C. Davis Portland Cumberland. B. D. & H. M. Verrill Rockland Knox. W. H. Fogler Skowhegan Somerset. Walton & Walton AViscasset Lincoln. Henry Ingalls Name of Bank. See Portland First Natl. Bk. First Natl. Bk. Merchants Natl. Bk. First Natl. Bk. Belfast Natl. Bk. Kineo Natl. Bk. First Natl. Bk. First Natl. Bk. Farmers Natl. Bk. Machias Bk. See Auburn. Portland Natl. Bk. Rockland Natl. Bk. First Natl. Bk. First Natl. Bk. Cashier. H. C. Day. C. S. Hichbora. Albert P. Baker. W. D. Mussenden C. W. Wescott. C. B. Kittredge. H. W. Cushman. J. H. Thompson. Geo. A. Gorham. George F. Gary. Chas. G. Allen. G. Howe Wiggin. Geo. N. Page. F. W. Sewall. DIGEST OF MAINE COMMERCIAL LAWS. Assignment*. No statute provision relating to common law assignments. Any debtor may apply by petition to the judge for the county within which he resides, setting forth his inability to pay his debts, and his willingness to assign all his estate and effects not exempt by law from attachment and seizure upon execution, for the benefit of his creditors. Attachments. Attachments of real or personal property of defendant may be made upon direction of the plaintiff. No bond or other formality required. Bank Laws Discount and savings banks created only by special charter ; subject to examination by the Bank Examiner, who may, at any time, call for statements, and make examination ; may institute proceedings to wind up ; makes an annual report to the Governor and council. Capital stock of discount banks must be paid, one- half in six months and one-half in twelve months from the date of charter; they cannot go into operation until one-half the stock has been paid in; cannot circulate bills in excess of_50 per cent, of their capital stock without $1.00 in specie for every $3 of such excess ; nor, at any time, more than capital stock paid in and specie on hand; must keep 5 per cent, of the capital stock in specie reserve ; must not owe more than twice the amount of the capital stock, aside from deposits. Directors incurring illegal debts or illegally impairing capital are liable therefor. Stock- holders are liable for an additional sum equal to the amount of stock. Officers are president, directors, and cashier. Report to examiners when required. Exemptions. Homestead $500, where duly registered; usual wearing apparel; furniture $50, bedding, pictures, etc., library, $150, stoves, fuel, and lumber; provisions and seed grain; sewing machine ; certain working animals; a team not exceeding $300 in value, and a boat of two tons burden; and domestic fowls worth $50. 64 THE LEGAL AND ^FINANCIAL LIGHTS OF AMERICA MAINE -CONTINUED. Interest. Legal rate is 6 per cent, where not stated in writing; any rate legal if agreed to by the parties in writing. No usury law. Legal Holidays. Sunday, public fast on Thanksgiving, May 30, July 4, February 22, Christmas, January 1, two days are allowed. If July 4, May 30, February 22, Christmas, January 1, is Monday, and it is the third day of grace, or is Saturday, and the following Sunday is the third day of grace, four days are allowed. Labor Day. Limitation of Actions. Actions on judgments of courts of record of the United States or of the State, and justice courts in this State, twenty years. Replevin, and other actions on the case, actions of debt on contract or liability not under seal, except judgments as aforesaid, within two years. Witnessed notes and all other personal actions, twenty years. Married Women. A married woman, of whatever age, may own in her own right per- sonal property acquired by descent, gift or purchase, and manage, sell, convey and devise it by will without the assent or joinder of her husband, and real estate like- wise, unless her husband, directly or indirectly, conveyed it to her, or paid for it, or it came to her by gift, or devise from his relatives, in which cases the husband must join ; although if it was conveyed to her as security or in payment of a bona fide debt, due from her husband, he need not be joined. The property conveyed by a husband to his wife, without a valuable consideration, may be taken as the husband's property to pay his debts contracted before the transfer. So also may such property of the wife as was paid for under similar circumstances, from the husband's estate. Notarial Fees. Protest, $1.50. Notes and Bills of Exchange. Negotiable paper presumed to be taken in payment of debt or liability for which it is given. On notes payable at fixed place on demand at or after a time certain, no recovery unless demand proved thereof before suit ; usual demand and notice to charge indorsers ; notarial protest proves it ; but one indorsing note at inception before payee does is a maker. Waiver of demand and notice, acceptance of bill, draft, or order must be in writing and signed. Recovery from indorser without suing maker. Rate of damages on protested bills of $100 or more, payable in this country, 1 to 9 per cent., according to place. Three days of grace on bills, notes, drafts, and orders on time or sight, and not on demand. Paper maturing on a holiday is considered due and payable the day pre- ceding. Stay of Executions. Granted on review and writ of error on filing bond and against absent defendants. Transfer of Corporation Stocks. No transfer of stock is valid, except between the parties to it, until it is entered on the books of the corporation in such a manner as to exhibit names and residence of the parties, the number of shares and the date of transfer. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 65 MARYLAND. County Seat. County. Name of Atty. Annapolis Anne ArundelF. H. Stockett Baltimore Baltimore. D. Meridith Reese Bel Air Harford. J. L. G. Lee Cambridge Dorchester. John R. Pattison Centervllle Queen Anne. T. J. & B. P. Keating Chestertown ..Kent. Richard D. Hynson Cumberland. ..Alleghany. Benjamin A. Richmond Deiiton Caroline. Russun & Lewis East on Talbot. Wm. R. Martin Klktoii Cecil. L. M. Haines Kllirott City... Howard. John G. Rogers Frederick Frederick. Chas. W. Ross Ilagerstovvii.. . Washington. Frank W. Wish Leoiiardtown.st. Mary. Robert C. Combs Oakland . Garrett. G. S. Hamill Port Tobacco.. Charles. Adrian Posey Princess A nn.Somerset. Miles & Stanford Prince Fred- >ri-ktown.Calvert. John B. Gray Rockvllle Montgomery. H. W. Talbott Salisbury Wieomico. James E. Eliigood Snow Hill W' rcester. Clayton J. Purnell To vi so ii Baltimore. Z. Howard Isaac UPPER MARLBORO'Pr. George. F. Snowden Hill Westminster.. Carroll. Clabaugh & Roberts Name oj Bank. Farmers Natl. Bk. American Natl. Bk. Harford Natl. Bk. Dorchester Natl. Bk. Centerville Natl. Bk. Chestertown Natl. Bk. Second Natl. Bk. Denton Natl. 3k. Easton Natl. Bk. Natl. Bk. of Elkton Patapsco Natl. Bk. Citizens Natl. Bk. Hagerstown Bk. See Cambridge Garrett Co. Bk. See Washington, D. C. Savings Bk. of Somerset Co. See Cambri 'ge Montgomery Co. Natl. Bk. Salisbury Natl. Bk. First Natl. Bk. Towson Natl. Bk. See Washington, D. C. Union Natl. Bk. Cashier. G. A. Culver. Simon P. Schott. W. W. Pinney. T. H. Medford. J. F. Rolph. Harry Rickey. Daniel Annan. T. C. West. R. Thomas. Chas. B. Finley. John F.McMullen W.G.Zimmerman E. W. Mealey. S. T. Jones. W.J. Brittingham R. H. Stokes. John H. White. I. T. Matthews. W. C. Craumer. J. W. Bering. DIGEST OF MARYLAND COMMERCIAL LAWS. Assignments Assignments may be made by deed, but should not ordain any preference, and should convey whole estate and provide for disposition of same. Attachments. Attachments may be issued on judgment in twelve years from date of same by way of execution, and are liens from time of service. They are also issued where the defendant is a non-resident, or where he absconds. Bank Laws. The paid-up capital stock in the city of Baltimore must not be less than $800,000 in shares of $100 each, with privilege of increasing the number of shares to $30,000. Outside of the city of Baltimore the paid-up capital stock must be $50,000 in shares of $100 each, with privilege of increasing to $5,000. Any five or more persons, citizens of the United States, and a majority of them citizens of this State, may form a corporation for banking under the provisions set forth in the code, but shall not be qualified to do business until a majority of the directors shall have certified to the Treasurer and Comptroller of the State, that the required capital has been fully paid in the " lawful money " of the United States, and a certificate of such organization shall have been transmitted to the Clerk of the 5 66 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. MARYLAND CONTINUED. Court of Appeals, and by him filed among the records of his office. The number of directors may not be more than seven, nor less than five. None but a citizen of this State and a stockholder, may be director or president. No one may be a director of more than one bank in this State at the same time. Semi-annual statements of the condition of State institutions must be made to the State Treasurer, and be published. Stockholders' liability extends to amount of their stock. Exemptions. There is no homestead law. Usual wearing apparel and $100 worth of personal property are exempt. Interest. Legal rate 6 per cent. Usury forfeits excess, with interest thereon. Legal Holidays. Sunday, Christmas, January 1, Good Friday, July 4, February 22, Thanksgiving, or General or Congressional Election Days, May 30, Labor Day, and every Saturday after 12 o'clock. Limitation of Actions. On open accounts, simple contracts, assumpsit, replevin, rent in arrears, or trespass suit, must be brought within three years ; on specialty, bond or judgment, in twelve years. Limitations do not run in case of debtor. Married Women. All property belonging to a woman at the time of marriage, or that she may acquire thereafter, by purchase, gift, grant, devise, bequest, descent, or otherwise, is exempt from the husband's debts, but the husband has no right to transfer property to the wife to the prejudice of the right of subsisting creditors. The wife's property is liable for her personal debts. Notarial Fees. Protest $1.05 and costs. Notes and Bills of Exchange. The maker of a promissory note or the acceptor of a bill of exchange will be held liable to an innocent holder, who takes the same before maturity for value and in good faith, even though the note was made and the bill accepted without consideration. Three days' grace are allowed except on sight or demand drafts. A protest duly made by a notary public of a note or bill is uprima fade evidence of the facts pertaining thereto and as stated therein. Damages recoverable, in addition to principal, interest and costs on protested bills : if drawn on any other State or Territory, 8 per cent.; foreign country, 15 per cent. Paper maturing on a holiday becomes due on the secular day next succeeding. Stay of Executions. In Justice Courts for six months, when amount is under $30; if over $30, one year. In Court of Records, six months on any amount. Transfer of Corporation Stocks. The stock of a corporation is deemed personal property and may be transferred as provided by the by-laws. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 67 County Seat. County. Barnsta ble Barnstable. Boston Suffolk. MASSACHUSETTS. Name of Atty. Hiram P. Harriman John Haskell Butler Name of Bank. At Hyannis, First Natl. Bk. Natl.Bk. of the Republic Cashier. Q. E. TUlson. Henry D. Forbes. Ded hunt Norfolk. D. G. Hill Edgarton . . Dukes B. T. Hillman Greenfield Franklin. Lowell Middlesex. John A. Aikem George F. Richardson Nantncket Nantucket. New Bedford.. Bristol. Newburyport.. Essex. Nortliampton .Hampshire. Pittsfield Berkshire. Plymouth Plymouth. Springfield Hampton. Worcester Worcester. Allen Coffin Stetson & Stetson N. N. Jones Wm. G. Bassett Crosby & Noxon Charles S. Davis T. M. Brown W. W. Rice Dedham Natl. Bk. Martha's Vineyard Natl. Bk. Franklin Co. Natl. Bk. Traders Natl. Bk. Pacific Natl. Bk. Merchant's Natl. Bk. First Natl. Bk. Hampshire Co. Natl. Bk. Third Natl. Bk. Old Colony Natl. Bk. Pynchon Natl. Bk. Citizens Natl. Bk. E. A. Brooks. John E. White. H. O. Edgerton. Wm. F. Hills. Albert G. Brock. H. C. W. Mosher. W. F. Houston. F. A. Macomber. R. B. Bardwell. James B. Brown. George R. Bond. George A. Smith. PRINCIPAL CITIES (NOT COUNTY SEATS) IN MASSACHUSETTS. Fall River Bristol. Lincoln & Hood Pocasset Natl. Bk. E. E. Hathaway. Wachusett Natl. Bk. W. G. Corey. Fitch burg Worcester. H ol yoke Hampton. Lawrence Essex. Salem Essex. Charles E. Ware E. W. Chapin Sweeney & Dow Henry P. Moulton Holyoke Natl. Bk. Arlington Natl. Bk. Merchants Natl. Bk. W. G 1 . Twing. F. L. Leighton. H. M. Batchelder. DIGEST OF MASSACHUSETTS COMMERCIAL LAWS. Assignments. The insolvent law has no jurisdiction over debts contracted outside of the State, unless the same are proved in the insolvency proceeding. An assignment to trustee to divide property among creditors cannot be avoided by attaching creditors, but only by assignee in insolvency. Any person owing one hundred dollars or more may obtain relief ; and any creditor may apply within ninety days after commission of act of insolvency for seizure and distribution of estate. Attachments. All real estate, goods and chattels liable to be taken on execution may be attached upon the original writ and held to satisfy the judgment which may be obtained ; but no attachment shall be made on a writ returnable before a trial justice, municipal, district or police court, unless the debt or damage demanded exceed twenty dollars. No preliminary bond is required. Perishable property, or that sold after it is attached and the proceeds held subject to the attachment, railroad cars and engines and steamboats in regular use cannot be attached within forty-eight hours previous to their time of departure, unless the officers have made a demand for other property in order to attach it, and such demand has been refused or compliance therewith neglected. Attachment may be made while the suit is pending by special order of Court. Attachment may be dissolved by defendant's giving a bond, with sufficient sureties, either to pay the judgment that may be recovered, or to pay the value of the property 68 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. MASSACHUSETTS CONTINUED. Bank Laws. Ten or more persons and their successors may form a corporation for the purpose of carrying on the business of banking. The General Court may, by special act, annul or dissolve any such corporation ; but its dissolution shall not impair any remedy against the same for liability previously incurred. The capital stock of each bank shall not be less th-m $100,000 nor more than $1,000,000. The stock shall be paid in gold or silver money, one-half before the bank goes into operation, and the remainder within one year thereafter. Before commencing business the president and directors shall make a certificate specifying the corporate name, which shall be different from any previously organized in the Commonwealth ; the location of said bank, the amount and number of shares of its capital stock; name, and residence and number of shares of each stockholder, and the time when it is to go into operation ; a copy of which certificate shall be filed with the Secre- tary of the Commonwealth. Every bank doing business in Boston, except in the suburban districts which form a part of Boston, shall on every Monday morning transmit to the Secretary of the Commonwealth a statement under oath of the president or cashier of the amount of capital stock, assets and liabilities of the bank, including amount in Boston clearing house, which statement shall be based upon the condition of the bank on the day of the week next preceding said Monday. Monthly reports are required from every bank in the State not included in those above mentioned, to be made to the Secretary of the Commonwealth. Exemptions. A householder can create estate of homestead to the value of $800, and no more, in land and buildings owned or rightly possessed by lease or otherwise, and occupied by him as a residence. Necessary wearing apparel of family, certain specified articles of household furniture, and $300 worth in addition thereto; library $oO, tools and implements $100, boats and fishing tackle, etc. $100; one cow, six sheep, one hog, and two tons of hay; sewing machine, pew in clrurch, etc. Interest. Legal rate, 6 per cent., which is allowed on judgments. There are no usury laws, and any rate may be reserved or contracted for in writing, and rate reserved in note is payable after maturity of note as before. Legal Holidays. Sunday, Fast Day, Thanksgiving, Christmas, January 1, February 22, July 4, May 30 (Memorial Day), First Monday in September, April 19. Limitation of Actions. Contracts or liabilities, express or implied, and not under seal, six years; real actions, those upon an attested note and personal actions on contracts not limited, twenty years. Married Women. All property, either real or personal, of a married woman, whether acquired before or after marriage in any way, is her separate estate, and may be used, collected and invested in her own name, and shall not. be subject to the inter- ference or control of her husband, or liable for his debts. A married woman, doing business on her separate account, must file a certificate in the Clerk's office in the city or town where she does business, setting forth >the name of her husband, the nature of her business, and the place where it is to be done, otherwise her property will be liable for her husband's debts. The husband may file such certificate, and if no such certificate is filed by either, the husband is liable upon all contracts made n such business. Notarial Fees. Protest $1.50, under $500; $2 on $500 and over. Notes and Bills of JBxeliange. Three days of grace are allowed on all notes and drafts. Paper maturing on a holiday becomes due on the secular day next sue- THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 69 MASSACHUSETTS CONTINUED. ceeding. The drawee of a bill or draft requiring acceptance has till 2 o'clock P. M. on the next business day after presentment to decide whether he will accept. Orders and drafts for money payable within this State, in which no time of pay- ment is expressed, shall be deemed to be payable on demand. All persons becom- ing parties to promissory notes payable on time by a signature in blank on the back thereof, shall be entitled to notice of the non-payment thereof the same as indorsers. Checks drawn on a bank may be paid notwithstanding the death of drawer, if pre- sented within ten days after date, and a saving bank order if presented within ten days after date. To charge indorsers of a promissory note payable on demand, a demand made after the expiration of sixty days from the date thereof, without grace, or at any time within that term is necessary to fix the liability of the indorser, and shall be deemed to be made within a reasonable time. No presentment of such note to the promissor and demand of payment will charge the indorser, unless made on or before the last day of said term of sixty days. Transfer of Corporation Stocks. Delivery of certificate to a bonafide purchaser or pledgee for value, with a written transfer of the same, or a written power of attorney to transfer same, passes title as against all parties, but does not affect the right of the corporation to treat the record holder in fact, until the transfer is recorded upon the books of the company. If stock is transferred as collateral security, it must so appear on the face of the certificate of stock issued to the pledgee, and the name of the pledger should be stated therein, who alone will be responsible as a stockholder. 70 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. MICHIGAN. County Seat. County. Adrian Lenawee. Name of Atty. Watts, Bean & Smith H. H. Pope Joseph H. Cobb Harriman & Thompson H. B. Freeman W. T.J^ope tW^. H. W. Newkirk C. L. Collins M. W. Newkirk Geo. G. Covell Howell & Cooper M. Brown J. M. Harris Sawyer & Bishop. T. W. Atwood Howell & Cacr Alfred/j^W J. M. C. Smith George E. Frost H. H. Barlow Jno. J. McCurdy Moriarty & Abbott Allegan Allegan. Alpena Alpena. Ann Arbor Washtenaw. Ail Train Alger. Bad Axe Huron. ISiil d win Lake. Bay City Bay. Bellalre Antrim. Benzonla Benzie. Bessemer Gogebic. Big Rapids Mecosta. Boy ne Charlevoix. Cadillac Wexford. Caro Tnscola. Cassopolls Cass. Centrevllle St. Joseph. Charlotte Baton. Cheboygan Cheboygan. Coldwater . Branch Corunna.... Shiawassee. Crystal Falls . .Iron. ICajile River Keweenaw. Escanaba Delta. T&^t+y.f. IV-i&ie, Edwin R. Smith Mead & Jennings Durand & Carton Marshall & Townsend Swift & Wilmot George A. Fair Earle 4 Hyde Geo. L. Alexander Chalmers Curtis 0. H. Smith T. S. Gurney J. A. Sweezey C. M. Beardsley yj. B. Beverly F. A. Lyons T. L. Chadbourne W. P. Van Winkle V. H. Smith Cook & Pelham George P. Stone F. C. Badgley Osborn, Mills & Master Wm. D. Totten Flint Genesee. Gaylord .... Otsego Gladwln Gladwin Grand Haven.. Ottawa. Grand Rapids. Kent. Grayling Crawford. HARBOR SPRINGS '.Emmet. Harrison Clare. If arrjtavllle Alcona. Hart Oceana Hastings Barry. Hersey Osceola. llil Ima u Montmorenc Hillsdale Hillsdale. Honghton Houghton. Howe] 1 Livingston. Ionia Ionia. IRON MOUNTAIN... .Dickinson. Ithaca Gratiot. Jackson Jackson. Kalamazoo .. .Kalamazoo. K a Ilv a sk a Kalkaska. Name of Bank. Adrian State Savings Bk. First Natl. Bk. Alpena Natl. Bk. Farmers & Mechanics Bk. See Marquette Bk. of Frank W. Hubbard & Co. See Ludington Bay City Bk. Bk. of Bellaire Exchange Bk. First Natl. Bk. Mecosta Co. Savings Bk. Boyne River Bk. Bk. of D. B. Blodgett & Co. Tuscola Co. Bk. First Natl. Bk. First State Bk. First Natl. Bk. First Natl. Bk. Southern Michigan Natl. Bk. First Natl. Bk. Iron Co. Bk. g. First Natl. Bk. At Calumet, First Natl. Bk. First Natl. Bk. First Natl. Bk. Gaylord State Savings Bk. Bk. of M. C. Scrafford & Co. Natl. Bk. of Grand Haven. Fourth Natl. Bk. Grayling Exchange Bk. Harbor Springs Bk. Bk. of L. Saviers & Co. See Tawas City Citizens Exchange Bk. Hastings City Bk. At Evart, First State Savings Bk. See Gaylord First Natl. Bk. Natl. Bk. of Houghton First State & Sav. Bk. First Natl. Bk. First Natl. Bk. First Natl. Bk. Union Bk. City Natl. Bk. Kalkaska City Bk. Cashier* B. E. Tobias. P. L. Chichester.' Jno. C. Comfort. Fred. H. Belser. Jno. Ryan. Geo. H. Young. P. E. Turrell. G. M. Sprout. Wm. I. Prince. C.W. Cunningham J. F. Fairchild. Jno. F. Seeley. C. A. Ritter. Frank Wolf. W. P. Lacey. A. W. Ramsey. A. S. Upson. W.A.Rosenkranz. J. J. F. Corcocan. Jno. T. Shaw. W. B. Anderson. R. Lyman. C. S. Brown. Sanford W. Buck. George Stickney. W. H. Anderson. Staley & French. Curtis & Curtis. F. Weathearhead. A. S. White. D. W. Reynolds. Wm. Rogers. C. F. Stewart. James B. Sturgis. H. J. Winchell. Frank A. Sessions. M. A. Northrop. M. F. Chafey. Charles C. Ames. E. C. Dayton. J. C. Gray. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 71 MICHIGAN CONTINUED. County Seal. County. NameofAlty. Lake City Miesaukee. F. 0. Gaffney Name of Sank. Missaukee Co Bk Cathier. James Cavanagh Ii'Anse Baraga. P. R. McKernan See Houghton Lapeer Lapeer. Geer & Williams First Natl. Bk. C. G. White. Iceland Leelanaw. Alex. McKercher See Traverse City Ludfiiglou Mason. D. W. Reardon raanlstee Manistee. McAlvay & Grant First Natl. Bk. First Natl Bk W. L. Hammond . G. A. Dunham. raanlstlqne Schoolcraft. C. W. Dunton raarquette Marquette. Ball & Ball ^ Manistique Bk. First Natl. Bk. H. W. Clarke. P. J. Jennison. \JflTTUflMHl.Calhonn. A&. H/tRVE/ ^Vfc raenomlnee ....Menominee. Sawyer, Waite & Waite raidland Midland. George B. Sanford First Natl. Bk. State Bk of Midland G. A. Blesch. F. E. Barbour. ITIio Oscoda. John J McCarthy IWonroe < Monmp fthartfth R, WtTIg f ft ft'M- ')' First Natl Bk George L. Little. rat. Clemens. . .Maconib. Crocker & Knight rat. Pleasant ..Isabella. Free Estee ranskegon Maskegon. Bunker & Carpenter Newaygo Newaygo. George Luton Mt. Clemens Savings Bk. First Natl. Bk. Hackley Natl. Bk. Bk of Weber & Hatch G. A. Skinner. D.Scott Partridge. George A. Abbott M. F. Hatch. Newfoerry Lace. See Saul t St Marie S. N. Dutcher. Omer Arenac. L McHugh At Standish Arenac Co Bk Robert Hall. Ontonagon Ontonagon. W. W. Wendell Paw Paw Van Buren Heckert & Chandler Ontonagon Bk. First Natl Bk C. Meilleur. E F Parker Pontiac Oakland. James A Jacokes B. S. Tregent. Port Huron. . . .St. Clair. Frank Whipple Rogers City Presquelsle. Win. E. Rice Roscommon ..Roscommon. Chas. L. OeWaele Sagliiaw Saginaw. Humphrey & Grant Commercial Bk. Presque Isle Co. Bk. Exchange Bk. John W. Porter. C. H. Oegood. J. H. Sly. D W Brigge. SanlllacCeutreSanillac. E. C. Babcock St. Ignace Mackinac. H. Hoffman Sandusky Bk. First Natl Bk James McCaren. E. H. Hotchkiss St. James Manitou. J J Brown t. Johns Clinton. Lyon & Dooling State Bk of St Johns J. W. Fitzgerald J.ivrph Berrien. W. R. Lton ultSte.raarleChippewa. George A. Cady SI a 11 Ion Montcafm. F A Miller Union Sk. C-> '. . First Natl. Bk. Bk of H R Wagar W.O Jordan. Edward H. Mead. James C. Percival Taxvas City . . . .losco. G. L. Cornville Traverse Clty.Gr'd TraversePatchin & Loranger "West Branch. .Ogemaw. F. R. Snodgrass Bk. of A. H. Phinney&Co. Traverse City State Bk. Commercial Bk. J. T. Hannah. T. W. Ballantine. DIGEST OF MICHIGAN COMMERCIAL LAWS. Assignments. Assignment for benefit of creditors must be of all the assignor's property not exempt from execution, and must be without preference. Attachments. Attachments may issue where the debtor has absconded or is about to abscond from the State, or is concealed therein, to the injury of his creditors ; where he has assigned, disposed of, or concealed any of his property, or is about to do so, with intent to defraud his creditors ; where he has removed, or is about to re- 72 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. MICHIGAN CONTINUED. move any of his property out of the State with intent to defraud his creditors ; where he has fraudulently contracted the debt; where he is not a resident of this State, and has not resided therein for three months before the commencement of suit, or where the defendant is a foreign corporation. Bank Law*. Not less than five persons may establish banks and savings associations. The minimum amount of capital stock must not be less than $100,000; except in town of 1,500 and less the minimum is $15,000, and in towns not exceeding 5,000, the minimum is $25,030, and in towns not exceeding 25,000, it is $50,000. The articles of association shall specify: The name of the bank, which shall not be similar to that of any other bank; the county and city or village of its location; whether a commercial or savings bank, or both; the amount of its capital, which must be divided into shares of $ 1 00 each ; the names and places of residence of the stockholders and the number of shares held by each; the period for which the bank is organized not to exceed thirty years. Fifty per cent, of the capital stock must be paid in before the bank can begin business, and the remainder in monthly install- ments of 10 per cent. each. Bank are to be examined once in each year by the Commissioner of the State Banking Department and report made to State Treasurer. Exemptions. A home of one lot in any town or city, or not more than forty acres of land outside, not exceeding $1,500 in value, owned and occupied by a resident of the State, is exempt from execution; apparel, books to the value of $150; family pic- tures, two cows, five swine, with provisions and fuel for six months; tools, team of horses, wagon necessary to carry on trade, business, profession, not exceeding in value $250; to each householder goods, furniture, etc., not exceeding in value $250. Interest. Legal rate is 6 per cent. Parties may contract in writing for 8 per cent. The penalty for usury is a forfeiture of all interest. Usurious interest, voluntarily paid, cannot be recovered. Legal Holidays. Sunday, January 1, February 22, May 30, July 4, December 25 Thanksgiving, Labor Day, First Monday of September. Every Saturday from twelve o'clock noon until twelve o'clock at night, and any day appointed by the Governor or President for fasting and thanksgiving shall, for the payment of notes "be treated and considered as the first day of the week, commonly called Sunday. ' When these holidays fall on Sunday, then the following Monday is considered as holiday. Limitation of Actions. On actions and notes and other simple contracts, six years ; on sealed instruments and judgments, ten years. Revivor, part payment or prom- ise in writing to pay. Married Women. May make contracts in regard to their real and personal property, and encumbered, sell or otherwise dispose of it the same as if unmarried. The homestead cannot be conveyed without the wife's signature to the conveyance, and she also retains the common law right of dower in her husband's lands. Notarial Fees. Protest, fifty cents ; each notice, twenty-five cents and postage. I Notes and Bills of Exchange. On all bills of exchange and negotiable notes and acceptances payable within this State, three days of grace are allowed, and it is not necessary to protest the same for non-acceptance ; but such bills of exchange and checks should be presented within a reasonable time for payees to hold drawers or indorsers. Paper falling due on holidays is payable the next business day suc- ceeding. In all other cases demand, protest for non-payment and the sending THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 73 MICHIGAN CONTINUED. notices of protest to the indorser at his reputed place of business or residence, are necessary to bind the indorser. Parties, other than payees to paper, being such before or at its inception, are held as joint makers, and not entitled to notice of non-payment. Damages on domestic bills when protested, three to ten per cent. ; on foreign bills, five per cent. Stay of Executions. In Justice Courts, under fifty dollars, four months ; over fifty dollars, six months. Transfer of Corporation Stocks. Shares of stock may be transferred by the indorsement and delivery of the certificates ; but such transfer shall not be valid, except between the parties thereto, until the same shall have been so entered upon the books of the corporation as to show the names of the parties by and to whom transferred, the number and designation of the shares, and the date of transfer. 74 THE LEGAL AND FINANCIAL LIGHTS OP AMERICA. MINNESOTA. County Seat. County. Ada Norman. Aitkiii Aitkin. Albert Lea Preeborn. Alexandria Douglas. Anoka Anoka. Austin Mower. Beaver Bay Lake. Beaver Falls... Renville. Benson Swift. BLUE EARTH CITY..Faribanlt. Bralnerd Crow Wing. C. E. Chipperfield Breckenrfdge.Wilken. E. G. Valentine BROWN'S VALLEY .Traverse. Buffalo Wright. Caledonia Houston. Cam bridge Isanti. Carlton Carlton. Centre City Chisago. Chaska Carver. Crockston Polk. Detroit City. . . .Baker. Dili u th St. Louis. Elbow Lake . ..Grant. Elk River Sherburne. Fairmont Martin. Farlbanlt Rice. Fergus Falls.. .Otter Tail. Glencoe McLeod. Glenwood Pope. Grand Raplds.Ithasca. Grand Marals.Cook. Granite Falls.. Yellow Medicine. McLarty & Volstead Hallock Kittson. E. C. Yetter Hastings Dakota. E. A. Wh it ford Henderson Sibley. W. H. Leeman Jackson Jackson. L. J. Knox Lac qul parle.Lac qui parle.Frank Palmer Lake Ben toil.. Lincoln. Jno. McKenzie Leech Lake Cass. See Park Rapids. LE SUEUR CENTRE.Le Sueur. Caldwell & Parker Lit eli field Meeker. Little Falls Morrison. Long Prairie.. Todd. LII veriie Rock. Mankato Blue Earth. Mantorvllle ...Dodge. Marshall Lyon. Name of Atty. W. W. Calkins A. Y. Merrill W. E. Todd Jeinkins & Treat A. F. Giddings Kingsley John Divan S. R. Miller F. M. Thornton Qulnn & Putnam A. S. Crossfield John T. Alley E. H. Smalley H. F. Barker H. H. Hawkins J. D. Markham W. C. Odell A. A. Miller J. H. Irish Wilson & Wray A. 0. Ofsthun Chas. S. Wheaton Ward, Dunn & Ward H. S. Gibson^ Parsons & Brown F. R. Allen E. M. Webster C. L. Pratt A. J. Thomas Peterson & Foster C. A. Lindbergh J. D. Van Dyke W. N. Davidson Thomas Hughes George A. Norton V. B. Seward Name of Bank. Bk. of Ada See Brainerd Albert Lea Natl. Bk. First Natl.Bk. Anoka Natl. Bk. First Natl. Bk. Bk. of Sell wood, Burke & Co. Farmers Bk. Swift Co. Bk. Farmers & Merchants Bk. First Natl. Bk. First Natl. Bk. Browns Valley State Bk. Bk.of C.E.Oakley & Co. Bk. of Caledonia Isanti Co. Bk. Carlton Co. Bk. At Rush City, Bk. of Rush City Carver Co. Bk. Scandia American Bk. First Natl. Bk. Security Bk. of Duluth Bk. of Elbow Lake Bk.of Elk River Martin Co. Bk. First Natl. Bk. Fergus Falls Natl.Bk. Bk.of Glencoe Bk. of Glenwood First Natl. Bk. See Ely, Bk. of Ely Granite Falls Bk. Kittson Co. Bk. First Natl. Bk. Sibley County Bk. State Bk. of Jackson At Madison, Farmers State Bk. First Natl. Bk. First State Bk. Bk. of Litchfield First Natl. Bk. Bk. of Long Prairie First Natl. Bk. Natl. Citizens Bk. Security Bk. First Natl. Bk. Cashier. S. Perterson. C. B. Kellar. G. B. Ward. L. J. Greenwald. N. P. Banfleld. D. A. Burke. Hans Grounerud. H. W. Stone. Alex. Anderson. J. D. La Bar. Howard Dykinan. O. Gunderson. A. D. Sprague. H. Engberg. Asa Paine. John C. Carlson. V. J. Greiner. J. W. Wheeler. W. J. Bettingen. W. P. Lardner. H. Sampson. Henry Castle. A. C. Frey. C. M. Whitney. F. J. Evans. L. W. Gilbert. P. Piterson. A. P. White. W. T. James. J. G. Dodsworth. W. H. Douglas. John Heinen. E. L. Welch. A. B. Cheadle. P. E. Jacobson. John S. Tucker. H. F. Weis. F. F. McClnre. A. R. Davidson. R. H. Harkens. A. D. La Due. W. G. Hoerr. L. M. Blauch. M. W. Hardin. THE LEGAL AND FINANCIAL LIGHTS OP AMERICA. 75 MINNESOTA CONTINUED. County Seat. County. NameofAtty. Name of Bank. Cashisr. Minneapolis... Hennepin. George D. Emery Security Bk. of Minnesota Perry Harrison. Montevido Chippewa. Lyndon A. Smith Citizens State Bk. M. E. Titus. Moorhead Clay. George E. Perley First Natl. Bk. Lew. A. Huntoon. Mora Kanabec. J. C. Pope Kanabec Co. Bk. Geo. H. Newbert. Morris Stevens. S. A. Flaherty First Natl. Bk. L. O. Hollister. New Vim Brown. Lind & Hagberg Citizens Bk. W. F. Seiter. Ortonvllle Big Stone. F. L. Cliff Bk. of Ortonville E. J. Miller. Owatonna Steele. Wheelock & Sperry First Natl. Bk. George R. Kinyon Park Rapids.. Hubbard. F. A. Vanderpoel Shell Prairie Bk. Wm. M. Taber. Pine City Pine. L. H. McCusick At Rush City, Bk. of Rush City John C. Carlson. Pipe Stone Pipe Stone. Evans & Evans First Natl. Bk. W. C. Briggs. Preston Fillmore. Wells & Hopp Fillmore Co. Bk. M. R. Todd. Princeton Mille Lacs. J. A. Ross Citizens State Bk. O. A. Eaton. Red Lake Beltraini. Bennett & Street At Fosston. Bk. of Fosston Lewis Loan. Red Wing Goodhue. Albert Johnson Goodhue Co. Bk. F. Basch. REDWOOD FALLS.. Redwood. H.D.Baldwin Redwood Co. Bk. H.A.Baldwin. Rochester Olmstead. B. W. Eaton Union Natl. Bk. T. H. Titus. St. Cloud Steams. Geo. H. Reynolds First Natl. Bk. J. G. Smith. St. James Watonwan. J. W. Seager First Natl. Bk. Frank O'Meara. St. Paul Ramsey. Davis, Kellogg & Severance. Bk. of Minnesota Wm. Dawson, Jr. St. Peter Nicollet. A. A. Stone First Natl. Bk. E. S. Pettijohn. Sauk Rapids . .Benton. M. C. Kelsey See St. Cloud Sbakopee Scott, Sout h wort h & Collier First Natl. Bank John Thiem. Slaytoii Murray. H. C. Gross State Bk. of Slayton C. E. Dinehart. Stlllwater Washington. Clapp & Macartney First Natl. Bk. R. H. Bronson. Wabasha Wabasha. Mullen & Bowditch First Natl. Bk. L. Whitmore. Wadena Wadeua. A. G. Broker First Natl. Bk. C. W. Baumbach. Warren Marshall. S. Cooke State Bk. of Warren A. Melgaard. Waseca Waseca. James E. Child Citizens State Bk. S. Swenson. Al illmar Kandiyohi. G. E. Quale Bk. of Willmar F. G. Handy. Wliidom Cottonwood. J. G. Redding Bk. of Windom J. N. McGregor. \V iiioiia Winona. Brown & Abbott Second Natl. Bk. W. H. Garlock. Worthingtoii.. Nobles. George W. Wilson Bk. of Worthington George O. Moore DIGEST OF MINNESOTA COMMERCIAL LAWS. A*i;;iiiiiciit *. An assignment may be made of all assignor's property, and must be with- out preference. Attachments. Attachment issues when the defendant's debt was fraudulently contracted ; or when the defendant is a foreign corporation, or a non-resident of the State ; or has departed therefrom, as deponent believes, with intent to defraud his creditors, or to avoid the service of a summons, or keeps himself concealed with like intent ; or has disposed, or is about to dispose of his pioperty. with intent to defraud creditors. 76 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. MINNESOTA CONTINUED. Bank Laws. Banks may be organized by the execution and recording of a certificate containing the name, place of business, amount of capital stock, names and places of residence of shareholders, and the period for which the organization is made. The capital stock must amount to at least $10,000 in towns of population not, exceed- ing 1,000; $15.000 in towns not exceeding 1,500; $20,000 in towns not exceeding 2,000; $25,000 in towns of more than 2,000 population. Such association has the usual powers of banks. It may issue circulating notes, to be secured by the assign- ment and deposit with the State Auditor of like amount of the public stock of a State of the United States, or the stock securities of the United States. Private banks are prohibited from doing business under an artificial or corporate name. Banks are required to make at least four detailed reports in each year, to the State Auditor, and oftener, if required by him, the reports to be published in a newspaper at the direction of the State Auditor. The public examiner is required to examine the books, accounts, and securities of all banks in the State at least once in each year and report such examination to the Governor, and the governor is to publish the report. Exemptions. A homestead, consisting of land not exceeding eighty acres and the dwelling house thereon, and its appurtenances, to be selected by the owner thereof, and not included in the platted portion of any incorporated town, city or village, or, instead thereof, at the owner's option, a quantity of land not exceeding in amount one lot if within the platted portion of any incorporated town, city or village having over 5,000 inhabitants, or one-half acre if within the platted portion of any incorporated town, city or village having less than 5,000 inhabitants, and the dwell- ing house thereon and its appurtenances, owned and occupied by any resident of this State, is not liable for debts of owner. Interest. Seven per cent, is the legal rate. Parties may agree to pay as high as ten per cent, per annum. All usurious contracts are void, and Court will decree cancella- tion. Where usurious interest has actually been paid the entire interest may be recovered in a civil action, half to go to party bringing action and half to public schools, with all interest. Legal Holidays. Sunday, Thanksgiving, Good Friday, Christmas, January 1, February 22, May 30, July 4, General Election Day, Labor Day. Limitation of Actions. Actions for recovery of real estate, within fifteen years; on judgments, within ten years; upon any contract, obligation, or upon a liability created by statute, or to enforce a trust or compel an accounting, within six years. married Women. All property, real or personal, belonging to a woman at the time of marriage continues her separate estate. She is responsible for her torts, her prop- erty is liable for her debts, is capable of making, and is bound by her contracts the same as if she were a femme sole. Husband is only liable for necessaries furnished after marriage. Neither husband or wife can be agent for the other in regard to the conveyance of real estate of either. In relation to all other subjects, either may be the agent of the other. A married woman may sue or be sued in her own name without joining her husband. Notarial Fees. Protest $1.50, each notice fifty cents. Wotes and Bills of Exchange. On all bills of exchange payable at sight, or at a future day certain, and all negotiable promissory notes, orders and drafts payable at a future day certain, within this State, in which there is no express stipulation to THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 77 MINNESOTA CONTINUED. the contrary, grace is allowed of three days. Paper falling due on a holiday is payable the preceding business day. Notice of protest must be given immediately after. Protest is made by mailing the same to each party protested against at his reputed place of residence. The notary certifies to the giving of the notice upon the instrument of notice, and records the latter in his register, which is prima facie evidence. Damages, five per cent, on domestic and ten per cent, on foreign paper protested. Notes obtained by fraudulent representation without negligence on part of maker void. Transfer of Corporation Stocks. As between parties endorsed on back of stock. As against corporations it is entered on the books of the corporation. 78 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. MISSISSIPPI. County Seat. County. Aberdeen Monroe. Ashland Bon ton. August a Perry. Bay St. Louis. Hancock. Helen Quitman. Booiiville Prentiss. Brandon Rankin. Brookhaven. . .Lincoln. Canton Madison. Carrollton Carroll. Carthage Leake. Charleston Tallahatchie. Ch ester Choctaw. Coffeeville Yalobusha. Columbia Marion. Colunibiia Lowndes. Corinth Alcorn. Decatur Newton. De K alb Kemper. Ellisville Jones. Fayette Jefferson. Forest Scott. Friars Point. vCoahomo. Fulton Itawamaba. Greenville Washington Green wo'od Le Flore. Grenada Grenada. Hazlehnrst Copiah. Hernando De Soto. Holly Springs. Marshall. Houston Chickasaw. Indianolo Sunflower. luka Tishomingo. Jackson Hinds. Kosclusko Attala. Leakesville . . Greene. Lexington Holmes. Liberty Amite. Louisville Winston. Macon Noxubee. Magnolia Pike. Mayers Isaqnena. Meadville Franklin. Meridian Lauderdale. MISSISSIPPI CITY. Harrison. Monticello Lawrence. Natchez Adams. Name of Atty . Name of Bank. Cashier. George C. Paine First Natl. Bk. C. R. Sykes. McDonald & McDonald See Holly Springs j. S. Bradford See Ellisville E. J. Bowers See Scranton F. M. Hamblet At Jonestown, Bk. of G. B. Moseley B. A. P. Selman At Corinth, Fishomigo Savgs. Bk, , J. W. Taylor. J. R. Enochs See Jackson Cassedy & Cassedy Commercial Bk. F. F. Becker. W. H. Powell Mississippi State Bk. B. L. Roberts. T. H. Somervllle Bk. of Carrollton C. J. Nelson. D. E. Sullivan See Canton . Bailey & Bailey See Grenada J. W. Pinson See Starkville R. H. Golladay At Water Valley, Bk. of Water Valley G. D. Able. T. S. Ford See Magnolia E. T. Sykes Columbus Ins. & Bkg. Co. W. H. Lee. J. M. Boone Tisho vingo Savgs. Institution J. W. Taylor. Thomas Keith See Meridian T. P. Bell See Meridian N. C. Hill Bk. of Ellisville W. S. Pettis. Torrey & Torrey See Natches S. H. Kirkland See Jackson D. A. Scott Bk. of Friar's Point J. C. Johnston. A. N. Cayse See Tupelo . Yerger & Percy Merchants & Planters Bk. S. C. Lane. A. M. C. Kimbrough Bk. of Greenwood E. R. McShane. Wm. C. McLean Grenada Bk. J. T. Thomas. R. N. Miller Merchants & Planters Bk. Isaac N. Ellis. McKenzie & Holmes Hernando Bk. E. W. Smith. R. T. Fant Bk. of Holly Springs. H. C. Fort. E. A. Moseley At Okolona, Jno. Trice Bkg. Co. J. S. Bramlitt. A. G. Paxton See Greenville W. B. Ellis Bk. of luka J. A. E. Pyle. Calhoon & Green Capital State Bk. E. M. Parker. Dodd & Armstead Merchants & Farmers Bk. Jno. M. Fletcher W. H. Mclntosh See Mobile, Alabama Wm. P. Tackett Bk. of Holmes Co. W. L. Young. Theodore McKnight See Magnolia . See Kosciusko See Macon Ames & Drake Merchants & Farmers Bk. R. W. Jones, Jr. J. H. Price Peoples Bk. J. E. Wolfe. See Vicksburg C.E.Williams See Natchez Cochran & Bozeman Meridian Natl. Bk. E. B. McRaven. R. Seal At Biloxi, Bk. of Biloxi C. E. Theobald. A. W. Cooper See Brookhaven Reed & Brandon First Natchez Bk. R. L. Wood. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 79 MISSISSIPPI CONTINUED. New Albany. . .Union. Oxford Lafayette. Pauldlng Jasper. Pbll adel pbla . .Ncshoba. PIttsborougb .Calhoun. Pontotoc Pontotoc. Poplar vi I le Pearl River. Port Gibson... Claiborne. Qultman Clarke. Raleigh Smith. K i !>]<> Tippah. Rolling Fork.Sharkey. Rosedale Bolivar. Sardis Panola. Scranton Jackson. Seiiatopla Tate. Stark villc Oktibbeha. Tunica Tunica. Tupelo Lee. Vlcksbiirg Warren. Walthall Webster. "Way neinboro'.. Wayne. "West Point.... Clay. Westvllle Simpson. Wi lliams Im rg.Covington. Wiiioiia Montgomery. Woodvllle Wilkinson. Yazoo City Yazoo. L. R. Kennedy See Pontotoc W.V.Sullivan Bk. of Oxford B. Price. B. W. Sharborough See Meridian A. M. Boyd See Meridian J. L. Lyon See Granada C. B. Mitchell Bk. of Pontotoc M. B. PittB. See Ellisville See Ellisville J. McC. Martin Port Gibson Bk. J. W. Person. J. E. Terra! See Meridian W. H.Jones See Jackson C. M. Thurmond See Pontotoc M. D. Brown See Vicksburg Charles Scott Bk. of Rosedale T. F. Doris. R. H. Taylor Bk. of Sardis T. J. Hunter. H. B. Everett Scranton State Bk. H. M. Plummer. G. D. Shands Tate Co. Bk. P. A. Rush. Muldrow & Nash Peoples Savings Bk. A. C. Ervin. J. T. Lowe At Jonestown, Bk. of G. B. Moseley Blain & Anderson First Natl. Bk. F. Johnson. Dabney & McCabe Merchants Natl. Bk. W. S. Jones. J. E. Clark See Winona D. M. Taylor See Ellisville Fox & Roane First Natl. Bk. T. M. Moseley. G. R. Gowen See Hazlehurst J. 0. Napier See Ellisville Somerville & McLean Citizens Bk. F. M. Purnell. D. C. Bramlett Bk. of Edward Aaron Barnett & Thompson Bk. of Yazoo City 8. R. Berry. DIGEST OF MISSISSIPPI COMMERCIAL LAWS. Assignmciiti. Debtor may make assignments to secure creditors, and may prefer credi- tors, but no benefit, direct or indirect, may be reserved to the debtor. Attachments. Attachment may issue where defendant is a foreign corporation or non- resident of the State ; or he has removed, or is about to remove himself or property out of the State ; or absconds or conceals himself so that he cannot be served with summons ; or contracted the debt or incurred the obligation in conducting the business of a ship, steamboat or other craft in some of the navigable waters of this State ; or has property or rights which he conceals and refuses to apply to the pay- ment of his debts ; or is about to assign or dispose of his property ; or has, or is about to convert his property into money or evidences of debt with intent to place it beyond the reach of his creditors ; or that he fraudulently contracted the debt. Bank Laws. No special laws relating to banks, except that they are required to furnish, not less than four times a year, sworn statements, which are to be published. The auditor of public accounts may call for such statement at any time. 80 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. MISSISSIPPI CONTINUED. Exemptions. In the country 160 acres of land not exceeding in value $2,000, is exempt to every citizen, male or female, being a householder, and having a family. In cities, the land and building owned and occupied as a residence, not to exceed in value $2,000, is exempt from levy and sale under execution or attachment. Legal Holiday*. Sunday, Thanksgiving, Good Friday, Christmas, January 1, Febru- ary 22, May 30, July 4, General Election Day. Limitation of Actlonis. Actions on open accounts and other unwritten contracts must be brought within three years ; on all other contracts, six years. Action on domestic judgments, seven years. A set-off held against a claim is not barred until the principal debt is barred. Married Women. All property acquired before or after maraiage remains her separate estate. If she engages in trade she is bound by all contracts made in the course of trade. All such debts are binding upon and may.be satisfied out of her separate estate. Notarial Fee. Protest, $1.50. Notes and Bills of Exchange. Promissory notes are not required to be protested, but demand and notice are necessary to fix liability of parties secondarily liable. Notes are not protestable ; domestic and foreign bills are protestable. All notes, bills, drafts, etc., are assignable, and suit may be maintained in the name of the assignee ; but defendant can make all defenses which he had against payee before notice of assignment. Foreign bills of exchange payable out of the United States protested for non-acceptance or non-payment, draw 10 per cent, damages and legal interest , bills drawn payable in the United States, protested for non-acceptance, draw damages at the rate of 5 per cent., besides legal interest. Notes, bills, etc., and sight diafts are entitled to the usual days of grace. Paper maturing on a holiday becomes payable next day preceding. Domestic bills of exchange drawn on and payable in this State for $20 or upward must be protested for non-accept- ance, or, if accepted for non-payment, they are governed by the same customs and usages as foreign bills of exchange, but no damage accrues. Stay of Executions. In Justice Courts stay may be taken for sixty days. Transfer of Corporation Stocks. As provided for by the by-laws of the corporation. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 81 MISSOURI. County Seat. County. NameofAtty. Albany Gentry. McCullough & Perry Alton Oregon. L. P. Norman A va Douglass. Adams Bros. Benton Scott. Wm. Hunter Bethany Harrison. A. F. Woodruff It loom tit- UI Stoddard. H. H. Bedford Bolivar Polk. J. D. Abbee Boonvllle Cooper. Draffen & Williams BowllngGreenPike. Major & Motley Buffalo Dallas. D. M. Rush Bntler Bates. T. G. Smith California Moniteau. L. F. Wood Carrollton Carroll. John B. Hale Carthage . . .Jasper. E. 0. Brown Cassvllle Barry. Pepper & Steele Centreville Reynolds. L 0. Neider Charleston Mississippi. J. J. Russell Chllllcothe Livingston. C. A. Loomis Clinton Henry. J. D. Lindsay Columbia Boone. C. B. Sebastian Danville Montgomery. James D. Barnett JDonlphan Ripley. J. C. Sheppard Edina Knox. J. W. Ennis I'.nii iifiK-c Shannon. L. B. Shuck Farmlngton. . .St. Francois. Carter & Webb Fayette Howard. R. C. Clark Forsyth Taney. Jas. R. Vaughan FREDERICKTO WN.. Madison. E. D. Anthony Fulton Callaway. J. A. Boulware Gainesville Ozark. G. T. Harrison Galena Stone. T. L. Viles Gallatln Daviess. Hamilton & Dudley Gayoso Pemiscott. F. D. Roberts Grant City Worth. Jesse Benson Greenfield Dade. Mann & Talbutt Greenville Wayne. Raincy & Carty Harrlsonvllle.Caes. Burney & Burney Hartvllle Wright. S. E. Pope Hermann Gasconade. August Meyer Hermitage Hickory. Wm. L. Pitts Hillsborough. Jefferson. Joseph J. Williams Houston Texas. Jno. D. Young Huntsville Randolph. W. T. Austin Independence. Jackson. Jno. G. Paxton fronton Iron. Wm. R. Edgar Jackson C. Girardeau.J. W. Limbaugh JEFFERSON CITY.. .Cole. Ewing & Hough Name of Bank. Gentry Co. Bk. Bk. of Alton Bk. of Ava At Morley. Scott Co. Bk. Harrison Co. Bk. Bk. of Dexter Polk Co. Bk. Commercial Bk. Citizens Bk. Bk. of Buffalo Farmers Bk. of Bates Co. Farmers & Traders Bk. First Nail. Bk. Bk. of Carthage Barry Co. Bk. See Salem Charleston Bk. First Natl. Bk. Henry Co. Bk. Boone Co. Natl. Bk. Cashier. M. L. Millen. G. 8. Woodside. J. A. G. Reynolds. John Hunter. C. Crossan. A. Wilcox. W. B. Dunnegan. W.R.Hutchinson. G. Phillips. D. M. Rush. E. D. Kipp. F. B. Lander. T. B. Goodson. J. A. Mitchell. J. M. Bayless. Scott Alexander. Geo. Milbank, Jr. A. P. Frowein. J. O. Hockaday. At New Florence, New Florence Bk.A. H. Eallmeyer. Ripley Co. Bk. C. C. Chandler. Bk. of Edina F. J. Wilson. See Houston Bk. of Farmington M. P. Cayce. Farmers & Merchants Bk. H. E. Gibene. Taney Co. Bk. W. M. Wade. Madison Co. Bk. N. B. Watts. Southern Bk. of Fulton Chas.W. Jameson Bk. of Gainesville W. T. Hardin. Bk. of Galena C. B. Swift. Daviess Co. Savings Association. F. E. Clingan. At Caruthersville.PemiscotCo.Bk.H. C. Schnlt. First Natl. Bk. R. S. Jacobs Bkg. Co. At Piedmont, Farmers & Merchants Bk. Bk. of Harrisonville Wright Co. Bk. Hermann Savings Bk. Hermitage Bk. Bk. of Hillsborough. Bk. of Houston J. M. Hammett Bkg. Co. First Natl. Bk. See Fredericktown Jackson Exchange Bk. Exchange Bk. J. F. Robertson. J. L. Wetzel. W. C. Shields. A. S. Deacon. J. H. Simmons. E. F. Rittstein. Jos. S. Hartman. W. R. Donnell,Jr. T. F. Nicholas. W. F. Hammett. W.A. Symington. Hugh R. Quinn. W. A. Dallmeyer. 82 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. MISSOURI CONTINUED. County Seat. County. Name of Atty. Kahoka Clark. H. M. & Charles Miller Keytesville ... .Chariton. Crawley & Son Kingston .Caldwell. S. C. Rogers Kil ksvill. .... .Adair. M. D. Campbell Liamar , Barton. Bowling & McCluer Lancaster .Schuyler. Nat. M. Shelton Lebanon , Laclede. J. P. Nixon Lexington , Lafayette. Wm. H. Chiles Liberty Clay. Simrall & Trimble Linn Osage. E. M. Carter Linn Creek. ... .Camden. H. W. Chalfant 1. in m n- .Linn. E. W. Wilcox .Mn <> 11 City ... .Macon. Webb M. Ruby Ua l Saunders. Good & Good First Natl. Bk. Peter Anderson. Wayne Wayne. A. A. Walsh Citizens Bk. D. C. Main. West Point Cnming. J. C. Crawford National Bk. J. W. Shearer. Wllber Saline. Hastings & McGintie State Bk. of Wilber. F. F. Gay. York York. Gilbert Bros. First Natl. Bk. E. J. Whitman. 90 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. NEBRASKA CONTINUED. DIGEST OF NEBRASKA COMMERCIAL LAWS. Assignments. An assignment must include all property of assignor and no preferences are allowed. Attachments. Attachments may issue where the defendant is a non-resident or foreign corporation ; has absconded with the intent to defraud creditors ; has left the county of his residence to avoid service of summons; so conceals himself that sum- mons cannot be served upon him ; is about to move his property out of the jurisdic- tion of the court with the intention to defraud his creditors ; is about to convert his property into money for the purpose of placing it beyond their reach ; has property or rights in action which he conceals ; has assigned, removed or disposed of, or is about to dispose of his property with fraudulent intent ; fraudulently contracted the debt. Bank Laws. Any number of persons may form a corporation for banking purposes. They must adopt and record in office of the County Clerk of the county where the business is to be transacted, their articles of association. Notice must be published in a newspaper in the proposed place of business, giving the name of the bank, its place of business, capital, time and condition of payment of the capital, the begin- ning and termination of corporate existence, the maximum liability that may be in- curred, and the names of the officers. The liabilities of the bank must not exceed two-thirds of the capital stock, except in cases of banks of deposit only. All banks must publish quarterly statements of their assets and liabilities, and stockholders are liable to the creditors of the bank in an amount equal to the par value of the stock held by them in addition to the cost of said stock. The cash capital of banks must be as follows: In villages of 1,000 population, $5,000 and upwards; those of 1,500 population, $10,000 and upwards; those of 3,000, $20,000 and upwards; those of 5,000 population, $30,000 and upwards, and those of 10,000 population, $50,000 and upwards. Reports must be made by the bank officers not less than three times per year, to the State Board, consisting of the State Auditor, State Treasurer and Attorney-General, showing the bank's condition. Exemptions. There is exempt from judicial sale to every family a homestead, not ex- ceeding in value $2,000, consisting of a dwelling house in which claimant resides and its appurtenances and lands on which the same is situated, not exceeding 160 acres, or if within an incorporated city or village a quantity of contiguous lands not exceeding two lots. Interest. Legal rate is 7 per cent., but by agreement may be 10 per cent. The penalty for taking a greater rate of interest than 10 per cent, is loss of all interest and costs of an action. Legal Holidays. Sunday, January 1, February 22, April 22, May 30, July 4, Septem- ber 1, December 25, public fast and Thanksgiving, Labor Day. Limitation of Actions. Upon a contract not in writing, expressed or implied, four years. Upon a specialty or an agreement, contract or promise in writing, or foreign judgment, five years. For the recovery of the title or possession of land, tenements or hereditaments, including also mortgages, ten years. married \Vomen. All property of married women, whether acquired before or after marriage, except gifts of the husband, are her sole and separate estate, and are not liable for the husband's debts. She may buy, sell, and trade on her own account, and her separate estate is liable for her debts so contracted. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 91 NEBRASKA CONTINUED. Notarial Fees. Protest $1, copy fifty cents, each notice twenty-five cents and postage. BJotes and Bill* of Exchange. Notes and bills of exchange are entitled to three days' grace. When holiday occurs on Monday, notes, etc. , falling due on that day are payable the day thereafter; all other business, contracts, etc., remain unaffected by holidays. Foreign bills of exchange, notes, and drafts must be protested, and protest fees can be recovered. Where all the parties are within this State, no protest is necessary, and fees, therefore, cannot be recovered, but prompt notice must be given. Damages on domestic bills, 6 per cent. , and on foreign bills, 12 per cent. Transfer of Corporation Stocks. No statute or decision on this point. Question now pending in Supreme Court. 92 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. NEVADA. County Seal. County. Austin Lander. Belmont ., Nye. Carson City Ormsby. Dayton Lyon. Klko Elko. Eureka Eureka. Hamilton White Pine. Hawthorne . . . Esmeralda. Genoa Douglass. Ploche Lincoln. Rene Washoe. Sti I Iwater Churchill. Virginia City.. Storey. Wiunemucca .Humboldt. Name of A tty. W. D. Jones J. P. Lamb T. Coffin John Lathrop E. S. Farington Theodore Wren See Eureka Benjamin Curler D. W. Virgin T. J. Osborne T. V. Julien L. Allen W. E. F. Deal M. J. Bonnifield Name of Bank. State Bk. of Nevada See Austin Bullion & Exchange Bk. See Virginia City Henderson Bkg. Co. Eureka Co. Bk. See Carson City See Carson City J. Eiseman (Broker) First Natl. Bk. See Virginia City Bk. of California. First Natl. Bk. Cashier. G. A. Land. T. E. Hofer. John Henderson. John Torre. Chas. T. Bender. A. I. Bloch (Agt). Geo. 8. Nixon. DIGEST OF NEVADA COMMERCIAL LAWS. Assignments. Every insolvent debtor may be discharged from his debts upon executing an assignment of all his property, real, personal or mixed, for the benefit of all his creditors, and upon compliance with the general provisions of the Insolvent Act. Attachments. Attachment may issue in an action upon a contract for the direct payment of money made or by the terms thereof payable in this State, which is not secured by mortgage, lien or pledge upon real or personal property situated or being in this State, and if so secured when such security has been rendered nugatory by the act of the defendant; in an action against a defendant not residing in this State; in an action by a resident of this State for the recovery of the value of property, where such property has been conveyed by a defendant without the consent of the owner where the defendant has absconded, or is about to abscond, with the intent to de- fraud his creditors; where a defendant conceals himself so that service of summons cannot be made upon him; where a defendant is about to remove his property, or any part thereof beyond the jurisdiction of the court, with the intent to defraud his creditors; where a defendant is about to convert his property into money with the intent to place it beyond the reach of his creditors; where a defendant has assigned, removed, disposed of, or is about to dispose of his property, or any part thereof, with intent to defraud his creditors ; where a defendant has fraudulently or criminally contracted the debt or incurred the obligation for which suit has been commenced. Bank Laws. Three or more persons may form a banking company upon signing and acknowledging a certificate, stating the corporate name of the proposed bank, the amount of its capital, the time for which it is to exist, the number of shares into which the capital is to be divided, the number and names of the persons who are to act as trustees for the first six months, and the name of the place where the business is to be transacted, and filing and recording this certificate in the office of the Clerk of the county within which the principal place of business of the bank is to be THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 93 NEVADA CONTINUED. located, and having a certified copy thereof filed in the office of the Secretary of State. There is no provision for official visitation; nor are banks required to make report of their condition. Exemptions. A homestead not exceeding $5,000 to be selected by the husband and wife, or either of them, or other head of the family, is exempt from forced sale on execu- tion, or other process from the courts. Interest. Legal rate is 7 per cent., but parties may agree in writing, for any rate of inter- est whatever on any contract. Banks are allowed interest at the rate of 34 per cent, per annum when there is no contract in writing for a different rate, for all money due on instruments in writing payable to them, on overdrawn accounts with them and on any judgment recovered therefor. Legal Holidays. Sunday, January 1, February 22, July 4, December 25, and Thanks- giving Day. Limitation of Action s. Upon a contract, obligation or liability, founded upon an instrument in writing, except when a disability prevents the institution of an action, within six years. An action on an open account for goods, wares and mer- chandise, sold and delivered ; for any article charged in a store account; upon a contract, obligation or liability, not founded upon an instrument in writing within four years. married Women. All property of the wife owned by her before marriage, or acquired afterwards by gift, bequest, devise or descent, is her sole estate. All property obtained since marriage is common property ; the husband has absolute control of common property. The wife may buy, sell or trade, and give notes in payment of purchases, and her separate property is liable for the same. Notarial Fees. Protest $1.50 and seventy-five cents for each notice. Notes and Bills of Exchange. Commercial paper includes promises to pay to order or bearer, without condition, for a sum certain, and at a time certain. No requirement respecting place of payment, but, if place of payment is named, demand should be made before protest at place named. Protest and notice will hold the indorser, and the general statute of limitation, six years, and on open account, four years, is the limitation of the right of action. Fifteen per cent, damages are allowed on domestic, and twenty per cent, on foreign bills protested. Three days of grace are allowed on notes and bills of exchange, but not on sight drafts. Paper maturing on a holiday is due and payable on the preceding day. Stay of Executions. Discretionary with the courts. Transfer of Corporation Stocks. By endorsement and delivery of the stock. 94 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. NEW HAMPSHIRE. County Seat. County. Name of Atty. Colebrook Coos. T. F. Johnson Concord Merrimac. Sargent & Hollis Dover Strafford. R. G. Pike Exeter Rockinghain. Eastman, Young & O'Neil Kee lie Cheshire. Batchelder & Faulkner Lacouia Belknap. Jewett & Plummer Nashua Hillsborough.C. J. Hamblett Newport Sullivan. A. S. Wait Ossipee Carroll. Frank Weeks Plymouth Grafton. Burleigh & Adams Name of Bank. Colebrook Natl. Bk. First Natl. Bk. Strafford Natl. Bk. Exeter Bkg. Co. Keene Natl. Bk. Laconia Natl. Bk. Indian Head Natl. Bk. Citizens Natl. Bk. At Wolfeboro, Wolfeboro Loan & Bkg. Co. Pemigewasset Natl. Bk. PRINCIPAL CITIES, NOT COUNTY SEATS. Lancaster Coos. Drew, Jordan & Buckley Lancaster Natl. Bk. Manchester Hillsborough. David Cross Manchester Natl. Bk. Portsmouth... Rockingham.J. S. H. Frink New Hampshire Natl. Bk. Cashier. H. F. Bailey. Chas. G. Remick. C. 8. Cartland. C. E. Byington. W. L. Mason. O. W. Tibbetts. Ira F. Harris. P. A. Johnson. C. F. Piper. R. E. Smythe. F. D. Hutching. W. B. Stearns. W. C. Walton. DIGEST OF NEW HAMPSHIRE COMMERCIAL LAWS. Assign tneiits. Assignment must include all the debtor's property, except what is exempt from attachment, for the equal benefits of all his creditors. Attach ments. In most actions, any property which may be taken upon execution, may be attached and holden as security for the judgment the plaintiff may recover. The property of the defendant in the hands of a third person, and debts due the defend- ant, may be attached by trustee process, service being made upon the defendant and trustee as in other cases. Property attached is holden for thirty days from the rendition of judgment, and the levy of the execution must be commenced within that time. No valid attachment can be made to secure claims not due at the com- mencement of the action. Attaching creditors acquire a lien in the order of their attachments, and do not share in the attached property, pro rata. Bank Laws. State banks are chartered by the Legislature only, and capital must be fully paid up in actual cash before business is begun. Each stockholder is liable only for the par value of his stock. Statement of condition to be made once in three months to the Secretary of State. Three Bank Commissioners appointed by the Governor examine all banks once, at least every year, and report their conditions to the Governor. Exemptions. The wife, widow and children of every person who is the owner of a homestead, or any interest therein, are entitled to so much thereof as does not exceed in value $500. If the wife owns a homestead at her decease, the life estate of the surviving husband, not exceeding the value of $500, is exempt to him. A homestead of the value of $500 is also exempt to an unmarried person owning the same. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 95 NEW HAMPSHIRE CONTINUED. Interest. Legal rate is six per cent, per annum, unless a lower rate is stipulated. The penalty for usuiy is forfeiture of all the interest. Legal Holidays. Sunday, Thanksgiving, Fast Day, Christmas, July 4, February 22, May 30, or any day on which a general election is held for members of the Legis- lature, first Monday of September (Labor Day). Limitation oT Action!). Actions for the recovery of real estate, upon notes secured by mortgage and upon judgments (whether domestic or foreign), recognizances and contracts under seal must be brought within twenty years. Actions for trespass to the person and defamatory words must be brought within two years, and all other personal actions within six years after the cause of action accrues. A debt is revived by any new promise, verbal or written. Married Women. By an act of the Legislature, passed June 2d, 1876, a married woman may make contracts, sue and be sued in all matters in law and equity, in the same manner as if she was femme sole ; provided, however, that all laws then in force, as to contracts and conveyances between husband and wife, and as to the rights of the husband, in her property and estate, shall not be affected thereby ; and provided, also, that no contract or conveyance by a married woman as surety or guarantor for her husband, nor any undertaking by her for him or in his behalf, shall be binding to her. Notarial Fees. Protest 50 cents and twenty-five cents for each notice. Notes and Bills of F.xchaiiiue. Demand notes must be protested within sixty days from the date of their endorsement to hold endorsers. All negotiable paper, save that payable on demand, is entitled to three days of grace, and all such paper maturing on a holiday is payable the preceding business day. Notaries public are the proper protesting officers. Notice of the non-payment or the non-acceptance upon residents by mail is sufficient. Stay of Executions. By special order of court only. Transfer of Corporation Stocks. The delivery of a stock certificate to a bona fide purchaser or pledgee, with a written transfer of same, is sufficient to to transfer the title against all persons but the corporation. 96 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. NEW JERSEY. County Seat. Belvidere Bridget 011 Camden Cape .Hay Elizabeth Flemlngton .. Freehold Hackeiisack . Jersey City County. . Warren. .Cumberland. .Camden. .Cape May. .Union. .Hunterdon. .Monmouth. .Bergen. .Hudson. Name of Atty. L. 0. Taylor James R. Hoagland Howard M. Cooper J. S. Learning P. H. Gilhooly H. S. Fluck F. Parker Johnson & Ackerson Babbit & Lawrence Name of Sank. Belvidere Natl. Bk. Cumberland Natl. Bk. Natl. State Bk. New Jersey Tr. & Safe Dep. Co. First Natl. Bk. Flemington Natl. Bk. First Natl. Bk. Hackensack Bk. First Natl. Bk. Cashier. A. B. Kelsey. F. M. Riley. W. F. Rose. H. C. Thompson. E. L. Tillou. N. D. Stiger. J.W.S. Campbell. H. D. Terhune. G. W. Conklin. May'sLaiidingAllantic. J. E. P. Abbott Ittorristovvn Morris. Stephen H. Little mount Holly.. Burlington. Franklin B. Lewis Newark Essex. George W. Hubbel At Atlantic City. Atlantic City Natl. Bk. First Natl. Bk. Farmers Natl. Bk. Essel Co. Natl. Bk. F. P. Qnigley. J. H. Van Doren. J. B. Davis. F. B. Adams. NEW BRUNSWICK Middlesex. Newton Sussex. Paterson Passaic. Salem Salem. Somerville Somerset. Tom's River . . Ocean. Trenton Mercer. Woodbiiry Gloucester. Woodbridge, Strong & Sons. Natl. Bk. of New Jersey L. Van Blarcom G. A. Hobart M. P. Grey James J. Bergen T. W. Middleton Lowthorp & Oliphant John S. Jessup Merchants Natl. Bk. First Natl. Bk. Salem Natl. Bkg. Co. First Natl. Bk. First Natl. Bk. First Natl. Bk. First Natl. Bk. H. G. Parker. John C. Howell. W. G. Scott. H. M. Rumsey. Wm. H. Taylor. Wm. A. Low. Chas. Whitehead. John F. Grahair. DIGEST OF NEW JERSEY COMMERCIAL LAWS. Aignnient. Assignments by debtors for the benefit of creditors must be without preference, and all others are void. Attachments*. A creditor may attach the property of a non-resident or absconding debtor by making oath to the fact, and to the amount of his claim. Attachments are for the benefit of all applying creditors. Debts not due may be proved under any attachment issued and receive their pro rata dividend. Bank L.aw. Any number of persons, not less than seven citizens of the State, may associate to establish a bank or a banking company, but the aggregate amount of the capital stock of any such association shall not be less than $50,000. The persons so associating shall, under their hands and seals, make a certificate, by the terms of which such association shall be bound, which shall specify the name assumed to distinguish such association; the place where the business is to be carried on; the amount of the capital stock, and the number of shares; the names and places of residence of the shareholders, and the number of shares held by each of them, and the period at which such association shall commence and terminate, which shall not be for a longer term than twenty years. This certificate shall be proved or acknowl- edged in the same manner as deeds, and recorded in the office of the Secretary of THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 97 NEW JERSEY CONTINUED. State and in the Clerk's Office of the county where the office of such association shall be established ; but it shall not be lawful for any association to locate their office in any other than one of the county towns, or incorporated cities, boroughs or towns, except by permission of the Commissioner of Banking and Insurance, to whom all matters relating to banks are committed, and in whom lies the right of examination. The Legislature may dissolve any company created by virtue of this act. The Chancellor may order an examination on application of creditors or stock- holders. Banks usually publish a statement, and make annual reports to the State Treasurer. Exemptions. House and lot to the value of $1,000. The conveyance should show that the property is to be held as a homestead, or a notice to that effect should be recorded in the clerk's office and published for six weeks in one or more news- papers of the county. Interet. Legal rate is 6 per cent., and the penalty of usury is loss of all interest and costs if suit be necessary to recover. Legal Holiday**. Sunday, January 1, February 22, May 30, July 4, First Monday of September (Labor Day), Thanksgiving Day, December 25, any General Election Day, every Saturday from noon until midnight, and every Thanksgiving or Fast Day recommended by the Governor or President. Limitation of Action*. Contracts not under seal, six years ; real actions and judg- ments, twenty years ; notes secured by mortgages and contracts under seal, sixteen years. Carried Women. The real and personal property of the wife at marriage, and such as she acquires thereafter by gift, grant, descent, devise or bequest, and all revenue therefrom, are her separate estate. Since January 1, 1875, the wife has a right to bind herself by contract in the same manner and to the same extent, as though she was unmarried, and her sole estate is responsible for said contracts. She cannot become an accommodation endorser, guarantor or surety. She may buy, sell and trade in her own name. Notarial Fees. Protest $1 30 under $100 ; $1.50 over $100. Notes and Bills of Exchange. Inland bills of exchange are, in general, subject to the laws of foreign bills ; they must be protested. Sight bills or drafts have no days of grace. The action required to hold indorser is the same as under the general mercantile law. Paper due on a legal holiday is payable the day after, and notice of non-payment may be given within twenty-four hours after. If the legal holiday should fall upon a Sunday or Monday, bills are payable on Tuesday, and notice may be given on Wednesday. Stay of Executions. In Justice Courts, stay for one month on fifteen dollars and under , fifteen dollars to sixty dollars, three months; over sixty dollars, eix months. Transfer of Corporation Stocks. Transferable on the books of the company in such manner as the by-laws may provide. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. NEW MEXICO. County Seat. County. Albuquerque. .Bernalillo. Aztec San Juan. Clayton Union. Eddy Eddy. Hillsborougli .Sierra. Las Cruces Donna Ana. Las Vegas San Miquel. Lincoln Lincoln. Los L, lima* Valencia. OTora Mora. PUERTO DE LUMA..Gaadalonpe. Roswell Chaves. Santa Fe Santa Fe. Silver City Grant. Socorro Socorro. Springer Colfax. Taos Taoe. TIERRA AMARILLA.RioArriba. Name of Atty. Johnston & Finical Childers & Dobson George McCormick VV. A. Hawkins A. B. Elliott S. B. Newcomb A. A. Jones George B. Barber See Albuquerque A. L. Branch See Las Vegas G. A. Richardson Thomas B. Catron T. F. Conway James G. Fitch G. W. Abbott Santiago Valdez F. P. Chancy Name of Bank. First Natl. Bk. San Juan Co. Bk. At Raton, First Natl. Bk. First Natl. Bk. Sierra Co. Bk. George D. Bowman & Son San Miquel Natl. Bk. At White Oaks, Exchange Bk. See Taos Bk. of Roswell First Natl. Bk. Silver City Natl. Bk. New Mexico Natl. Bk. Andrew Morton & Co. Taos Co. Bk. See Taos Cashier. A. A. Keene. RobertC.Prewett. C. N. Blackwell. C. E. Conway. Wm. H. Bucher. H. D. Bowman. D. T. Hoskins. Frank J. Sager. E. A. Gaboon. John H. Vaughn. J. W. Carter. E. E. Nold. A. Morton. C. Santistevan. DIGEST OF NEW MEXICO COMMERCIAL LAWS. Assignment*. An insolvent debtor may make a voluntary assignment for the benefit of his creditors. No preferences allowed. Attachments. Attachments issue when the debtor is not a resident of the Territory of New Mexico; when the debtor has concealed himself or absconded or absented him- self from his usual place of abode in this Territory, so that the ordinary process of law cannot be passed upon him; when the debtor is about to remove his property or effects out of this Territory, or has fraudulently concealed or disposed of his property or effects; when the debtor is about to fraudulently convey or assign, con- ceal or dispose of his property and effects; when the debt was contracted outside of this Territory, and the debtor has absconded or secretly removed his property or effects into the Territory ; when the defendant is a corporation whose principal office or place of business is out of the Territory, unless such corporation shall have a designated agent in the Territory, upon whom service of process may be made in suits against the corporation. Bank Law*. Any number of persons, not less than three, may be chartered as a bank. The capital shall not be less than $30,000, one-half of which must be paid in before beginning business, and the remainder within one year. Statements are required to be sent twice a year to the Territorial Treasurer, showing the condition of the bank, on the first Monday of January and July, and these statements are required to be published for three consecutive weeks in a newspaper of the county where the bank is located. The officers and stockholders of every bank are individually liable for all debts contracted during the time that they were such officers or stockholders ratably to the extent of their respective shares. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 99 NEW MEXICO CONTINUED. Exemptions Husband and wife, widow or widower, living with an unmarried daugh- ter, or unmarried minor son, may hold exempt a family homestead not exceeding $1,000 in value. Any resident of this territory who is the head of a family and not the owner of a homestead may hold exempt real or personal property, to be selected by such person, not exceeding $500 in value, in addition to the amount of chattel property otherwise by law exempted. Interest. Legal rate is six per cent. Parties may contract in writing for twelve per cent. Usury is punished by fine and forfeiture of double amount of interest paid. Legal Holidays. Sunday, January 1, July 4, December 25, and all days for fasting or thanksgiving. Limitation of Actions. Within six years: upon any bond, promissory note, bill of exchange or other contract in writing, or of any judgment of a court not of record. Within four years: upon accounts and unwritten contracts, injuries to property or the conversion thereof, and for relief upon the ground of fraud, and all other actions not otherwise provided for. Notarial Fee. Protest, $2.00, and twenty -five cents for each notice. Notes and Bills of Exchange. In absence of any designated place of payment the common law prevails. Three days of grace are allowed on promissory notes. Any promissory note, due and payable on any holiday, shall be construed to fall due and become payable on the next business day thereafter. Transfer of Corporation Stocks. Transferable only on the books of the com- pany. 100 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. NEW YORK, County Seat. County. NameofAtty. Albany Albany. Harris & Rudd Albion Orleans. Thomas A. Kirby Auburn Cayuga. Rich & Aikem Ba list on Spa . .Saratoga. J. W. Verbeck Bat a via Genesee. Tarbox & Sherwood Bclmout Allegany. V. A. Wiliard BINGHAMTON Broome. George Whitney Brooklyn Kings. C. & T. Perry Buffalo Erie. Clinton & Clark Canandalga Ontario. J. H. Metcalf Canton St. Lawrence.John C. Keeler Carmel Putnam. George E. Anderson Catsklll Greene. Jennings & Chase Cooperstown..OtBego. George Brooks Corning Stcuben. A. S. Kendall Cortland Cortland. B. A. Benedict Delhi Delaware. Wagner & Fisher ELIZABETHTOWN . .Essex. Richard L. Hand Elmira Chemung. Chas. R. Pratt Fonda Montgomery. Daniel Yost Geneseo Livingston. Strong & Doty Goslien Orange. Nanny & Mead Herklmer Herkimer. Charles Bell Hudson Columbia. Isaac N. Collier Ithaca Tompkins. S. D. Halliday Jamaica Queens. Henry A. Montfort Johnstown.... Fulton. A. J. Nellis Kingston Ulster. Bernard & Van Wagoner Lake George... Warren. E. Hunt Lake Pleasant Hamilton. Vacant Little Valley... Cattaraugus. E. A. Nash Lockport Niagara. Ellsworth, Potter & Stoors Lo w vtlle Lewis. Merrill, Ryel & Merrill Lyons Wayne. D. S. Chamberlain Ittalone Franklin. Cantwell & Cantwell May vllle Chautauqua. W. H. Tennant lUoiit Icello Sullivan. T. F. Bush Moriisvllle.. ..Madison. Smith & Smith New City Kockland. Irving Bros, at Haverstraw. New York New York. Hastings & Gleason Name of Bank. Natl. Commercial Bk. Orleans Co. Natl. Bk. Cayuga Co. Natl. Bk. Ballston Spa Natl. Bk. Bk. of Batavia. State Bk. of Belmont First Natl. Bk. Manufacturers Natl. Bk. Marine Bk. of Buffalo. Canandaiga Natl. Bk. First Natl. Bk. Putnam Co. Natl. Bk. Tanners Natl. Bk. Second Natl. Bk. First Natl. Bk. First Natl. Bk. Delaware Natl. Bk. At Port Henry, First Natl. Bk. Second Natl. Bk. Natl. Mohawk River Bk. Genesee Valley Natl. Bk. Natl. Bk. of Orange Co. First Natl. Bk. Natl. Hudson River Bk. First Natl. Bk. Bk. of Jamaica. Peoples Bk. Kingston Natl. Bk. At Warrensburgh, Emerson & Co, At Dolgeville, Potter & Marsden Crissey & Crissey . Natl. Exchange Bk. First Natl. Bk. Lyons Natl. Bk. Peoples Natl. Bk. State Bk. of Mayville Natl. Union Bk. First Natl. Bk. Peoples Bk. First National Bk. Cashier. E. A. Groesbeck. J. W. Cornell. F. G. Jones. Thomas Kerley. H. T. Miller. W. J. Richardson. John Manier. T. C. Disbrow. J. H. Lascelles. H. T. Pannele. W. N. Beard. H. Ryder. Wm. Palmatier. George M. Jarvis. D. S. Drake. E. Alley. W. G. Edgerton. F. S. Atwell. D. M. Pratt. J. L. Hess. T. F. Olmsted. C. J. Everett. A.W.Haslehurst. Wm. Postwick. Henry B. Lord. Wm. L. Wood. Edward Wells. C. Hume. J. A. Emerson. Wm. E. McComb. Edward H. Bush. G. T. Kennedy. H. T. French. C. R. Cipperly. Edwin H. Strong. B. Tompkins. H. C. Ver-Valen. E. Scofleld. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 101 NEW YOEK CONTINUED. County Seat. County. NameofAtty. Name of Bank. Cashier. Norwich Chenango. Oswego Oswego. Owego Tioga. Peiin Yan Yates. Plattsburgh ...Clinton. Poughkeepsie.Dutchess. It i oh in oiul Richmond. Riverlicad Suffolk. Rochester Monroe. Salem Washington. Sclieiieotady. . . Schenectady. Sclioharie Schoharie. Syracuse Onondaga. Troy Renssalaer. Utica . Oneida. Warsaw Wyoming. Waterloo Seneca Watertown Jefferson. Walking Schuyler. White Plains.. Westchester. Albert F. Gladding S. M. Coon Clarke & Tuthlll Briggs & Kimball S. L. Wheeler Peter Hulme N. J. Wreth Timothy M. Griffing Cogswell & Cogswell S.W. Russell A. P. Strong Krum & Grant Wilson & Forbes Frank W. Thomas Chas. G. Irish M. E. & E. N. Bartlett F. L. Manning A. H. Sawyer C. N. Woodward Wilson Brown, Jr. Chenango Natl. Bk. First Natl. Bk. First Natl. Bk. Baldwin's Bk. Merchants Natl. Bk. Geo. T. Dunham. J. D. W. Case. W. S. Truman. F. S. Plaisted. J. M. Wever. Farmers & Manufacturers Natl.Bk.G. H. Sherman. At Stapleton, Bk. of Staten Island. Otto Ahlmann. Suffolk Co. Natl. Bk. Traders Natl. Bk. First Natl. Bk. Mohawk Natl. Bk. Schoharie Co. Bk. First Natl. Bk. Manufacturers Natl. Bk. First Natl. Bk. Wyoming Co. Natl. Bk. First Natl. Bk. Jefferson Co. Natl. Bk. Farmers & Merchants Bk. Central Bk. Henry P. Terry. C. H. Palmer. C. A. Beattie. J. G. L. Ackerman R. A. Dewey. G. B. Leonard. S. O. Gleason. John A. Goodale . F. J. Humphrey. P. M. Kendig. S. T. Wolworth. Wm. Roberts. H. E. Foster. DIGEST OF NEW YORK COMMERCIAL LAWS. Assignments. Voluntary general assignments, for the benefit of creditors, may be made- Preferences are allowed. Attachments. An attachment will be granted when it is proven that the defendant is either a foreign corporation or not a resident of the State ; or if a natural person and a resident of the State, that he has departed therefrom with intent to defraud his creditors, or to avoid the service of a summons, or keeps himself concealed with like intent ; or if the defendant is a natural person or a domestic corporation, that he or it has removed, or is about to remove property from the State, with intent to defraud his or its creditors ; or has assigned, disposed of, or secreted, or is about to assign, dispose of or secrete his property with like intent. Bank Law*. Banks may be chartered under general laws of the State. In places of 6,000 inhabitants or less the minimum capital must be $25,000 ; in places of 30,000 inhabitants or less the minimum capital must be $50,000 ; and in places with up- wards of 30,000 inhabitants the minimum capital must be at least $100,000. A deposit is required to be made with banking department to secure the bank's circu- lating notes, and $1,000 must also be so deposited as a guarantee of compliance with the banking laws, which the Superintendent of the Banking Department is author- 102 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. i NEW YOKE CONTINUED. ized to apply to the extent required in payment of any penalty incurred by the bank or any assessment imposed upon it. Stockholders in banks of issue are liable to the amount of their respective shares for its debts. Holders of the bank's notes in case of insolvency are entitled to a preference over all other creditors. On the first day of February, May, August and November reports are required to be made to the Superintendent of the Banking Department, which report is required to be published in the newspapers of the place where the bank is located. The Superin- tendent has visitorial powers, and is required to make an annual report to the Legislature of the performance of his duties. Exemptions. A lot of land with one or more buildings thereon, not exceeding in value $1,000, owned and occupied as a residence by a householder having a family, when recorded is exempt. Interest. Legal rate is 6 per cent. Penalty for usury is forfeiture of principal and interest except a State bank forfeits double the amount of interest. Usurious inter- est may be recovered if action is brought therefor within one year. Usury is also a misdemeanor. Legal Holidays. Sunday, January 1, February 22, May 30, July 4, First Monday of September (Labor Day), December 25, any general election day. Every Saturday, from 12 o'clock at noon until 12 o'clock at midnight, which is designated a half holiday, and any day appointed or recommended by the Governor or President as a day of thanksgiving or fasting and prayer, or other religious observance shall, for all purposes whatever as regards the presenting for payment or acceptance, and of the protesting and giving notice of the dishonor of bills of exchange, bank checks and promissory notes made after the passage of this act, be treated and considered as the first day of the week, commonly called Sunday, and as a public holiday or half holiday. Limitation of Actions. Within twenty years, actions for the recovery of real property or judgment of a court of record, or upon a sealed instrument, or for dower. Within six years, an action upon a contract, express or implied, except a judgment or sealed instrument ; an action to recover upon liability created by statute, except a penalty or forfeiture ; an action to procure a judgment other than for a sum of money on the ground of fraud. married Women. In an action or special proceeding, a married woman appears, prosecutes, or defends a loan or joined with other parties, as if she was single. She may carry on any business in her own name, aud the earnings shall be her separate property. Notarial Fees. Protest 75 cents and ten cents for each notice. Notes and Bills of Exchange. Foreign bills of exchange, drafts, checks, and promissory notes payable to bearer, the maker or his order, or the order of any third party, are negotiable. Bills of exchange, or drafts drawn payable at sight at any place within the State, are made due at presentation, without grace. Checks, bills of exchange, or drafts, drawn on banks or bankers, and which are payable on a specified day, or in any number of days after the date of sight thereof, are pay- able without grace, and it is not necessary to protest the same for non-acceptance. All bills, checks, notes, etc., falling due on a holiday are deemed payable the business day succeeding. If not paid when due they may be protested, and the certificate of protest is prima facie evidence of presentation and non-payment. To charge indorser, notice of non-payment must at once be given to him. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 103 NEW YORK CONTINUED. Stay of Executions. Xo stay except by order of court. Traiifer of Corporation Stocks. An assignment in writing is the common method of transfer, generally coupled with a blank power of attorney, signed by the owner and acknowledged, which on presentation to the corporation it is transferred on their stock books, by assignment. 104 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. NORTH CAROLINA. County Seat. County. Name of Atty. Albemarle Stanley. Pemberton & Jerome Ashborough... Randolph. J.A.Blair Ashevllle Buncombe. S. H. Reed Name of Bank. See Salisbury. At High Point, Commercial Natl. Bk. Natl. Bk. of Ashville Cashier. W. G. Bradshaw. Wm. J. Cocke. Baker svllle.. ..Mitchell. J. T. Greene Bayboro Pamlico. W. T. Caho See Lenoir At Aurora, J. B. Bonner Beaufort Carteret. C. B. Felton See New Berne Boone Watauga. W. B. Council! See Lenoir Brevard Transylvania. W. A. Gash See Hendersonville Bryson City . . .Swain. Fry & Nenby Burgavv Fender. Bruce William See Waynesville See Wilmington Burnsvllle Yancey. Wm. Moore Camden Camden. G.G.Luke See Morganton See Elizabeth City Carthage Moore. W.C.Douglass See Rockingham Charlotte Mecklenburg Walker & Cansler Commercial Natl. Bk. D. H. Anderson. Clinton Sampson. J.L.Stewart See Fayetteville Columbia Tyrrell. Mark Majett See Edenton Columbus Folk. See Hendersonville Concord Cabarrus. Montgomery & Crowell Concord Natl Bk D. B. Coltrane. Currituek. . . . Currituck. G. G Luke See Elizabeth City Dallas Gaston. R. W. Santifer At Gastonia First Natl Bk E. S. Pegram. Danbnry Stokes. W.W.King At Reidsville, Bk of Reidsville C. N. Evans. Dobson Surry, Folger & Folger At Mt Airy First Natl Bk M. L. Fawcette. Durham Durham. Fuller & Fuller Fidelity Bk John F. Wily. ISdenton Chowon. Pruden & Vann Bk of Edenton John M. Martin. Elizabeth City Pasquotank. J. H. Sawer ELIZABETHTO WN . . Bladen. R. H. Lyon Fayettevllle . . .Cumberland. C. W. Bradford Franklin Macon. Jones & Daniels First Natl. Bk. See Wilmington Bk. of Fayetteville See Waynesville Wm. T. Old. John C. Haigh. Gatesvllle Gates. L. L. Smith See Elizabeth City Goldsborough Wayne. W. C. Munroe Graham Alamance. E S Parker Bk. of Wayne W. E. Borden. Greensboro 1 Guilford. Lev! M. Scott Greenville Pitt. W. H. Long Halifax Halifax. J. M. Grizzard Natl. Bk. of Greensborough Tyson & Rawls. At Scotland Neck, A. H. Alderman. Hayesvillc Clay. M. R. Kimsey Henderson Vance. A. C. Zollicoffer HENDERSONVILLE. Henderson. W. A. Smith Hertford Perquimans. J. H. Blount Scotland Neck Bk. See Waynesville Citizens Bk. State Bk. of Commerce See Elizabeth City F. B. Shields. W. A. Hunt. J. A. Maddrey. Hlllsborough. Orange. John W. Graham Jackson Northampton Peebles & Harris See Rocksborough At Weldon, Bk. of Weldon W. R. Smith. Jacksonville ..Onslow. R. W. Nixon Jefferson Ashe. E. S.Blackburn See New Berne See Winston Kenanavllle. . .Duplin. A. D. Ward Klnston Lenoir. A. J. Loftin See Wilmington S H. Loftin R C Strong Ijcnoir Caldwell. Edward Jones Bk. of Lenoir G. F. Harper. Lexington Davidson. Robbins & Roper Lillington Harnett. Oscar J. Spears Bk. of Lexington See Smithfield G. W. Montcastle. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 105 NORTH CAROLINA CONTINUED. County Seat. County. Lincolnton Lincoln. iiouisburg Franklin. Name ofAtty. David Robinson C. M. Cooke Name of Bank. See Shelby Farmers & Merchants Bk. Cashier. J. S. Barrow. Liii mbcrtoii Robeson. Manteo Dare. E. K. Procter, Jr. See Edenton See Fayetteville .Marion McDowell. J. L. C. Bird See Asheville UI arshall Madison. J. C. Pritchard See Asheville lUoeksville Davie. Itlonroe Union. T. B. Bailey Adams & Redwin See Winston Peoples Bk. of Monroe W. H. Fitzgerald. Morgan toil Burke. Murphy Cherokee. S. C. W. Tate Leatherwood & Belt Piedmont Bk. See Waynesville S. T. Pearson. Nashville Nash. Taylor & Worthington See Louisburg New Her ne Craven. Newton Catawba. 0. H. Guion L. L. Witherspoon Nat). Bk. of New Berne Catawba Co. Bk. G. H. Roberts. W. C. Kenyon. Oxford Granville. B. S. Royster Bk. of Granville J. B. Roller. PIttsboro' Chatham. F. B. Wornock See Greensborough Plymouth Washington. Ral elgh Wake. Charles Latham R. H. Battle See Edenton Citizens Natl. Bk. H. E. Litchford. Robbluvllle ...Graham. Rocklnghaiu . .Richmond. ROCKSBOROUGH... Person. RUTHERFORDTON. .Rutherford. Salisbury Rowan. Shelby Cleveland. W. B. Ferguson Cole & McNeil Merritt & Bryant J. H. Justice L. H. Clement Webb & Webb See Waynesville Bk. of Pee Dee Peoples Bk. Carpenter & Morrow Davis & Wiley H. D. Lee & Co. W. L. Parsons. J. S. Bradsher. D. F. Morrow. O. D. Davis. Smith-field Johnston. Snow Hill Greene. Southport Brunswick. Sparta Alleghany. Pou & Pou George M. Lindsey See Wilmington H. K. Boyer W. M. Sanders See Goldsborough At Mount Airy, First Natl. Bk. M. L. Fawcette. Statesville Iredell. Swan Quarter.Hyde. Robbins & Long John H. Small First Natl. Bk. See Washington George H. Brown Tarboro Edgecombe. Henry Johnston Taylorsvllle... Alexander. R. Z. Linney Trenton Jones. P. M. Pearsall Troy Montgomery. Douglas, Shaw& Scales WADESBOROUGH ..Anson. J. A. Lockhart Warrentoii Warren. H. A. Boyd Washington.. .Beaufort. W. B. Rodman Waynesville... Hay wood. Moody* Leach Webster Jackson. J. J. Hooker Went worth... .Rockingham. Reid & Reid Whltevllle Columbus. Lewis & Burkhard Wllkesboro' . .. Wilkes. Hackett & Hackett Wllllamston . . Martin. Wheeler Martin Wilmington. ..New HanoverJunius Davis Wilson Wilson. Windsor Bertie. Winston Forsyth. Wluton Hertford. Vadkinville. ...Yadkin. If ancey vllle Caswell. H. J. Connor F. D. Winston Eugene E. Gray George V. Cooper R. C. Puryear A. E. Henderson Pamlico Ins. & Bkg. Co. Job Copp. See Statesville See New Berne See Concord First Natl. Bk. J. D. Leak. Gardner & Jeffress J. M. Gardner. Bk. of Washington Thos. J. Latham. Bk. of Waynesville T. C. Skinner. See Waynesville At Leaksville, Bk. of Leaksville. A. E. Millner. See Wilmington See Statesville See Tarboro Atlantic Natl. Bk. W. J. Toomer. Branch & Co. J. C. Hales. Gillam & Lyon Wachovia Natl. Bk. James A. Gray. At Weldon, Bk. of Weldon W. R. Smith. See Winston At Milton,Merchants& Planters Bk.W. W. Lucke. 106 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. NORTH CAROLINA CONTINUED. DIGEST OF NORTH CAROLINA COMMERCIAL LAWS. Assignments. Any person has the right to make an assignment of his property for the benefit of his creditors, and to prefer any number of creditors to the exclusion of others. Attachments. Attachment may be granted for breach of contract, express or implied ; wrongful conversion of personal property ; any other injury to real or personal prop- erty, in consequene of negligence, fraud or wrongful act. That the defendant is either a foreign corporation, a non-resident of the State, or if he is a natural person and a resident of the State, that he has departed therefrom, with intent to defraud his creditors, or to avoid service of summons, or keeps himself concealed therein with like intent, or if the defendant is a natural person, or a domestic corporation, that he has removed, or is about to remove property from the State with intent to defraud his or its creditors ; or has assigned, disposed or secreted, or is about to assign, dispose of or secrete property with a like intent. Bank Law*. Banking corporations can be organized only by special act of the Legis- lature. The personal liability of stockholders depends upon the terms of the char- ter. There is no statute regulating the transfer of bank stock or providing how a stockholder shall put an end to his liability. All joint-stock companies organized under the laws of the State, for the purpose of conducting a banking business, whether savings or general, and all private banks and bankers that solicit or receive deposits, are required to make to the State Treasurer statements of their financial condition at such times as national banks are required to make statements to the Comptroller of the Currency. Statements are to be published as in case of national banks, and shall be made in accordance with the form to be prescribed by the State Treasurer ; one copy of the statement is to be filed with the State Treasurer and another in the office of the bank, banking institution, or banker. Exemptions. Every resident of this State is entitled to real estate of the value of $1,000 and personal property of the value of $500 as a homestead and personal property exemption, which property shall be exempt from sale and execution. The home- stead remains exempt from sale under execution to the widow and infant children, until the youngest child becomes 21 years of age. Interest. Legal rate is 6 per cent. Usury works a forfeiture of the entire interest and in case a greater rate has been paid, the person paying the same, or his legal representative, may recover back in an action of debt, twice the amount of the interest so paid. Legal Holidays. Sunday, January 1, January 10, February 22, May 10, May 20, July 4, December 25, Thanksgiving, General Lee's Birthday. Li I i mat ion of Actions. Actions upon any contract, obligation or liability, or for trespass upon real property, or for taking, detaining, converting or injuring any personal property shall be commenced within three years. married Women. Own and control their estates as before marriage, but cannot convey without their husbands join. By filing certificate with written consent of husband, a married woman may engage in any business. Notarial Fees. Protest $1.00 and twenty-five cents for each notice. Xotes and Bills of Exchange. All bills and notes bear interest from maturity, unless otherwise stipulated. An indorser of a note is deemed a surety, and no de- THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 107 < NORTH CAROLINA CONTINUED. mand on the maker is necessary before commencing suit against surety or endorser; but this does not apply to bills of exchange. Grace is allowed on all drafts ex- cept those payable on demand. Where a bill is drawn or indorsed in this State upon any person or corporation in any other of the United States or any of the Territories, and is protested it, shall bear damages, viz., three per cent, on the prin- cipal sum. A bill or note may be protested by a notary public, justice of the peace or clerk of a court of record. Bills of exchange and promissory notes are negotiable ; and all notes and bonds with more than one obligor are by statute joint and several. To charge indorser of bill of exchange, notice of non-payment must be given him. Paper falling due on a holiday is due the day before. Stay of Executions. On giving security the judgment debtor may stay executions as follows : On less than $25, one month ; $25 to $50, three months ; $50 to $100, four months ; above $100, six months ; but such judgment draws interest. Supple- mentary proceedings to enforce execution allowed. Transfer of Corporation Stocks. No provision directing how stock shall be transferred. 108 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. NORTH DAKOTA. County Seat. County. Ashley Mclntosh. Bismark Burleigh. Bottlueau Bottineau. Caledonia Traill. Caiido Towner. Carrington Foster. Cooperstowii..Griggs. Devils Lake . . .Ramsay. Dickinson Stark. Elleiidale Dickey. Fargo Cass. Fort Buford. . .Alfred. Grafton Walsh. Grand Forks.. .Grand Fork Grand Raplds.Lamoure. Jamestown Stutsman. Lakota Nelson. Lang don Cavalier. Lisbon Ransom. Mandan Morton. Medicine Pole.Bowman. Medora Billings. Mil nor Sargent. MINNEWAUKON ....Benson. Tliiiol Ward. Napoleon Logan. New England Clty.Hettinger. NEW ROCKFORD... Eddy. Oakdale Dunn. Pembiiia Pembina. Rugby Pierce. St. Johns Rolette. Saiiger Oliver. Sherbrooke. . . .Steele. Stantou Mercer. Steele Kidder. Sykeston Wells. Towner McHenry. Valley City Barnes. \Vahpeton Richland. Washbiirn McLean. Willlamsport. .Emmons. Wllllston Williams. Organizing Boreman. " McKenzie. " Wallace. Name of Atty. Name of Bank. Cashier. See Ellendale Wishek, Liliy&Co. J. F. Philbrick Bismark Bk. P. E. Byrne. A. G. Burr Bottineau Co. Bk. V. B. Noble. J. S. Anderson State Bk. of Caledonia J. P. Clark. N. C. Meacham Towner Co. Bk. C. J. Lord. B. Barton Carrington State Bk. P. W. Farnham. David Bartlett ' First Bk. of Cooperstown M. W. Buck. M. H. Brennon First Natl. Bk. J. A. Stewart. R. H. Johnson First Natl. Bk. R. H. Johnson. A. T. Cole Citizens State Bk. B. R. Crabtree. Newman, Spalding & PhelpsFirst Natl. Bk. S. S. Lyon. See Dickinson Phelps & Phelps First Natl. Bk. J. L. Cashel. '.Burke Corbet Second Natl. Bk. D. S. Doyon. G. B. Crum At Edgeley, State Bk. of Edgeley J. T. Butler. E. W. Camp James River Natl. Bk. R. A. Shattuck. F. A. Kellev Peoples State Bk. H. G. Merritt. W. F. Kessler Citizens State Bk. W. A. Laidlaw. P. H. Rourke First Natl. Bk. H. K. Adams. E. C. Rice First Natl. Bk. C. L. Timmerman Vacant See Dickinson See Dickinson E. W. Thorp Bk. of Sargent Co. F. W. Vail. E. S. Rolfe Benson Co. State Bk. O. T. Hegge. C. E. Gregory First Natl. Bk. S. L. Page. See Steele See Dickinson C. J. Maddux Bk. of New Rockford. J. H. Hob.1. See Dickinson W. J. Kneeshaw First Natl. Bk. George W. Ryan. See Towner John Burke See Cando. See Bismark At Hope Steele Co. Bk. J. D. Brown. H. C. Loy See Bismark J. W. Walker State Bk. of Steele. A. G. Clark. See Carrington L. M. Torson Towner Merchants Bk. John Lohn. Winter & Winter First Natl. Bk. George Eanouse. McCumber & Bogart Peoples Bk. W. D. Henry. See Bismark H. A. Armstrong See Bismark See Minot THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 109 NOKTH DAKOTA CONTINUED. DIGEST OF NORTH DAKOTA COMMERCIAL LAWS. Assignments. An assignment may be made. It is void if it prefers creditors. Attachments. Attachment may issue against a foreign corporation; or against a defend- ant who is not a resident of this State, or against a defendant who has absconded or concealed himself ; or whenever the defendant is about to remove any of his or its property from the State ; or has assigned, disposed of, or secreted, or is about to assign, dispose of or secrete any of his or its property, with intent to defraud his creditors, or is about to remove from the county where he resides, with the inten- tion of permanently changing his place of residence, upon failing or neglecting to give security for the debts after its being demanded. Bank Laws. Three or more persons, one third of whom shall be residents of the State, may form a banking association, who shall make an organization certificate, which must be acknowledged and recorded in the office of the Register of Deeds in the county where such bank may be established, and such certificate also recorded in the office of the Secretary of State. It is made a misdemeanor to carry on a bank without forming such association. The capital is graded according to the popula- tion of the town or city. At least four reports shall be made each year to the public examiner and published, and the examiner is empowered to call for special reports at any time. Penalty of $200 for not making same. Exemptions. A homestead not exceeding in value $5,000 to be selected and appraised as provided by statute, is exempt from judgment lien and execution of forced sale. Limitation of Actions. An action upon a judgment or decree of any court in the United States, or of any State or Territory within the United States, and upon a sealed instrument, within twenty years. Actions upon a contract, obligation or liability, express or implied ; actions upon a liability created by statute other than a penalty or forfeiture ; for trespass on real property, within six years ; an action for slander, libel, assault, battery or false imprisonment ; actions upon the statute for a forfeiture or penalty to the people of this State, within two years. Married Women. No law. Notarial Fees. Protest $1.50, recording 50 cents, seal 25 cents, notices 25 cents. Notes and Bills of Exchange. Bills of exchange, promissory notes, bank notes, checks, bonds and certificates of deposits are negotiable instruments. When no place of payment is specified, they are payable at the residence or place of business or wherever maker may be found. Bill or note maturing on a holiday becomes due on next business day. Three days of grace allowed on foreign or inland bills of exchange or drafts payable at sight, or promissory notes, bills of exchange, and drafts on the face of which time is given or specified, and on notes due on demand, after demand is made. Transfer of Corporation Stocks. Are transferred by endorsement and delivery ; but such transfer is only valid between the parties until entered on the books of corporation. 110 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. OHIO. County Seat. County. NameofAtty. Name of Bank. Cashier. Akron Summitt. Kohler & Musser First Natl. Bk. F. H. Adams. Ashland Ashland. F. C. Semple First Natl. Bk. Jos. Patterson. Athens Athens. Wood & Wood Bk. of Athens C.W.Harris. Batavla Clermont. Hulick & Bishop First Natl. Bk. J. F. Dial. Bellefo 11 taiiie.. Logan. West & West Peoples Natl. Bk. It. B. Keller. BOWLING GREEN.. Wood. Parker & Moore First Natl. Bk. D. B. Beers. Bryan, Williams. T.Emery Farmers Natl. Bk. E. Lattanner. Bucyrus Crawford. F. S. Monnett First Natl. Bk. J. C. Gormly. <'atliz Harrison. Milton Taggart Harrison Natl. Bk. John M. Sharon. Caldvvell Noble. D. S. Spriggs Noble Co. Natl. Bk. G.W.Taylor. Cambridge Guernsey. Jno. S. Black Old Natl. Bk. A.R.Murray. Canton Stark. Miller & Pomerene Farmers Bk. Fred. M. Fast. Carrolton Carroll. McCoy & Eckley J. P. Cummings Bk. Co. T. J. Saltsman. Cellna Mercer. Tonvelle & Kenney Commercial Bk. J. Milligan. Chardon Geauga. J. E. Stephenson First Natl. Bk. S. S. Smith. Chlllicothe . . . .Boss. Albert Douglas, Jr. First Natl. Bk. E. E. McEee. Cincinnati Hamilton. Stephens, Lincoln & Smith First Natl. Bk. W. S. Kowe. Clrclevllle Pickavvay. Smith & Morris Second Natl. Bk. E. E. Winship. Cleveland Cuyahoga. Webster, Angell & McKissonEuclid Ave. Natl. Bk. E. G. Tillotson. Columbus Franklin. Frank E. Davis Deshler Natl. Bk. Charles J. Hardy. Coshocton Coshocton. E.W.James Commercial Bkg. Co. H. H. Herbig. Dayton Montgomery. Gunckel, Rowe & Shuey City Natl. Bk. W. B. Gebhart. Defiance Defiance. S. T. Sutphen First Natl. Bk. Elbert E. Carter. Delaware Delaware. C. H. McElroy Deposit Bkg. Co. H.A.Welch. Eaton Preble. Fisher & Vaughan Preble Co. Natl. Bk. J.W.Acton. Elyria Lorain. G. D. Holliday Savings Deposit Bkg. Co. A. L. Garford. Findlay Hancock. A. & F. P. Blackford First Natl. Bk. George P. Jones. Fremont Sandusky. Carver & Carver First Natl. Bk. Anson H. Miller. Galllpolls Gallia. S. A. Nash First Natl. Bk. W. G. Wheaton. Georgetown... Brown. Rufus L. Fite First Natl. Bk. W. S. Whiteman. Greenville Darke. Anderson & Bowman Farmers Natl. Bk. J.*M. Ladsdowne. Hamilton Butler. Belden & Fitton First Natl. Bk. S. D. Fitton. Hlllsborough .Highland. Steele & Hoogsett First Natl. Bk. John Hulitt. Ironton Lawrence. T. N. Ross Citizens Natl. Bk. (.'has. Liutner. Jackson Jackson. John Harper Iron Bk. J. C. Hurd. Jefferson Ashtabula. A. C. White First Natl. Bk. D.S.Crosby. Kenton Hardin. Crane & Johnson First Natl. Bk. H. W. Gramlich. Lancaster Fairfield. George E. Hardin Lancaster Bk. G. W. Beck. Lebanon Warren. J. A. Runyan Lebanon Natl. Bk. J. M. Oglesby. Lima Allen. Cable & Parmenter First Nati. Bk. C. D. Crites. Logan Hocking. S. H. Bright First Bk. of Logan. Chas. E. Bowen. London Madison. S. W. Durflinger Madison Natl. Bk. Wyatt Minshall. Me Arthur Vinton. James W. Darby At Wellston, First Natl. Bk. J. H. Sellers. McCONNELSVILLE .Morgan. Corner & Fonts Citizens Bk. C. L. Alderman. IVansfield Richland. H. P. Davis Citizens Natl. Bk. S. A. Jennings. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. Ill OHIO CONTINUED. County Seat. County. NameofAtty. Marietta Washington. Nye & Follett Marlon Marion. Geo. D. Copeland Marysville Union. Porter & Porter Medina Medina. J. Andrew Millersburgu.. Holmes. Maxwell & Sharp Mt. Gilead Morrow. L. K. Powell Mt. Vernoii Knox, C. F. Colville Napoleon Henry. M.Donnelly Newark Licking. Carl Norpell NEW LEXINGTON . . .Perry. L. A. Tussing New Lisbon.. ..Columbiana. R. W. Tayler New Philadelpliia.Tuscaravas. Jno. S. Graham Norwalk Huron. C. L. Kennan Ottawa Putnam. Handy & Ogan PaliiBville Lake. Harley Barnes Paulding Paulding. K. E. Shuster Poineroy Meigs. Merrick & Lochary Port Clinton . . .Ottawa. S. P. Alexander Portsinouth...Scioto. Bannon & Bannon Kavenna Portage. W. J. Beck ley St. Clairsvllle..Belmont. A. W. Kennon .Saiidu.sk y Erie. Phinney & Merrill Sidney Shelby. S. J. Hatfield Springfield Clarke. John C. Bassett, Jr. Steubenville... Jefferson. James F. Daton Tiffin Seneca. J. H. Ridgely Toledo Lucas. Swayne, Swayne & Hayes Troy Miami. H. H. Williams UPPER SANDUSKY.Wyandot. Jno. D. Sears Urbana Champaign. Frank Chance Van Wert Van Wert. C. V. Hoke v apakoneta. ..Auglaize. La>ton & Steuve Warren Trumbull. Washington Hyde WASHINGTON C. H..Fayette. A. R. Creamer Wauseoii Fulton. Files & Fuller Waverly Pike. . Chas. M. Caldwell 'West Union Adams. Henry Scott Wilmington... Clinton. Mills & Clevenger Woodwlield Monroe. J. P. Spriggs & Son Wooster Wayne. Yocum & Taggart Xenia Greene. F. N. Shaffer Ifoungstowii ..Mahoning. Thos. W. Sanderson Zanesville Muskingum. Howard E. Buker Name of Bank. City Natl. Bk. Farmers & Mechanics Bk. Bk. of Marysville. Old Phoenix Natl. Bk. Commercial Bk. Morrow Co. Natl. Bk. First Natl. Bk. Meekison's Bk. First Natl. Bk. Perry Co. Bk. Co. At Leetonia, First Natl. Bk. Citizens Natl. Bk. Huron Co. Bkg. Co. A. V. Rice & Co. Painsville Natl. Bk. Paulding Deposit Bk. Pomeroy Natl. Bk. German American Bk. Portsmouth Natl. Bk. Second Natl. Bk. First Natl. Bk. Third Natl. Exchange Bk. Citizens Bk. Lagonda Natl. Bk. Natl. Exchange Bk. Commercial Bk. Second Natl. Bk. Troy Natl. Bk. First Natl. Bk. Citizens Natl. Bk. First Natl. Bk. First Natl. Bk. Second Natl. Bk. Commercial Bk. Peoples Bk. Hayes, Jones & Co. Adams Co. Bk. Clinton Co. Natl. Bk. Monroe Bk. Wayne Co. Natl. Bk. Xenia Natl. Bk. Second Natl. Bk. First Natl. Bk. Cashier. E. M. Booth. H. B. Hane. W. C. Fullington. B. Hendrickson. B. C. Sill. Samuel P. Gage . F. D. Sturges. W. H. Brownell. F. S. Wright. S. Chappelear. John Leavitt. B. P. Scott. Oitt Curtiss. N. E. Matthews. C. H. Frank. E. P. Copeland. John McQuigg. B. W. Wilson. C. B. Taylor. W. H. Beebe. J. R. Mitchell. F. P. Zollinger. Wm. A. Graham. D. P. Jefferies. T. A. Hammoud. John B. Runyan. C. F. Adams. Noah Yount. Charles F. Plumb. W. W. Wilson. John Van Liew. Chas. F. Herbst. C. A. Harrington. A. S. Ballard. Chas. W. Struble. W. F. Taylor. H. W. Dickinson . J. W. Denver, Jr^ W. C. Mooney. C. S. Frost. A. S. Frazer. Henry M.Garlick G. H. Stewart 112 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. OHIO CONTINUED. DIGEST OF OHIO COMMERCIAL LAWS, Assignments. An insolvent debtor may make an assignment in trust for the benefit of creditors. An assignment made with intent to prefer one or more creditors inures to the benefit of all creditors. Attachments;. Attachment may be had when the defendant is a non-resident or a foreign corporation : or has absconded or concealed himself ; or is about to remove, convert, or assign, or has concealed his property, with intent to defraui creditors ; or where the debt is fraudulently contracted. Bank Laws. No law can be passed authorizing the establishment of banks until the same be submitted to the people at a general election and approved by them, and no such law has been adopted since this prohibition has been inserted in the constitution of the State. The Supreme Court has held, however, that building and loan associations, organized under the Act of 1868, and savings and loan associations, organized under the Act of 1873, may be formed, and numbers of these are doing a banking business. There are no banks of issue in the State. All banks are required to make a report to the State Auditor twice a year, showing the condition of their affairs on the first Monday of April and October. This report must be published in the newspaper. No visitorial powers, however, are granted to the State Auditor. Exemption*. Husband and wife living together, widow or widower living with an unmarried daughter or unmarried minor son, may hold exempt from sale on judg- ment or order a family homestead not exceeding $1,000 value ; the wife may make demand if the husband refuse, but neither can make such demand if the other has a homestead. Where the homestead is sold for the payment of liens thereon, after payment of such liens, the owner may claim $500 out of the balance of the proceeds of the sale, if any, in lieu of a homestead. Interest. Legal rate is 6 per cent, but parties may contract in writing for 8 per cent. If a contract be made for a higher rate than 8 per cent, the contract as to interest is void, and the recovery is limited to the principal sum and 6 per cent. Legal Holidays. Sunday, January 1, February 22, May 30, July 4, First Monday in September, December 25 and Thanksgiving. Limitation of Actions. Upon contracts not in writing, express or implied, six years ; specialty or any agreement in writing, fifteen years ; real action, twenty-one years, an action may be taken out of the statute by part payment, acknowledgment, or promise in writing. Married Women. Have sole control of, and separate property in all real and personal property acquired before or after marriage, together with the rents, incomes and profits thereof. Such property cannot be taken for the debts of her husband, un- less he has reduced the personal property to possession with her assent. They may contract in their own name for labor or materials in repairing or improving their real estate, and may lease for three years. If a husband deserts his family or from any cause becomes incapacitated or neglects to provide for them, the wife may contract for and collect in her own name her and her minor children's earn- ings, and may obtain an order vesting her with the right of &femm# sale as to ac_ quiring property. A wife has dower in all her husband's real estate held during coverture. She may engage in business as owner or partner, and may sue and be sued alone on account of such business, and her property is liable on the judgment THE LEGAL AND FINANCIAL LIGHTS OP AMERICA. 113 OHIO CONTINUED. rendered against her in such suit. Married women cannot prosecute or defend by next friend, but her husband must be joined with her, unless action contains her separate property or her separate business, or is upon her written obligation, or brought to set aside a deed or will, or between her and her husband. When they are sued together she may defend, for her own right, and if he neglects to defend his she may defend for him. Mortgages are executed in like manner with deeds. Those presented first for record must have the preference. Are not valid against innocent subsequent mortgage or purchase, unless recorded ; when paid, must be cancelled of record. Notarial Fees. Protest $1 and costs. Notes and Bills of Exchange. Bonds, notes and bills payable at a day certain after date, or after sight when made payable to order or bearer are negotiable by indorse- ment thereon, and vest the title thereof in indorsee. They need not be payable at a bank, or any particular place, to be negotiable. Three days of grace are allowed in the time of payment. Bill or note maturing on a holiday becomes due the preced- ing day. tay of Executions. On judgments by Justices of the Peace only. Transfer of Corporation Stocks. Endorsement on back of stock effects an equit- able transfer only. 114 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. OKLAHOMA. County Seat. County. NameofAtty. Name of Bank. Cashier. Alva M. Ellis & Shelley Alva State Bk. W. S. Fallis. Arapahoe G. See E! Reno Beaver Beaver. See Woodward Birds Point L. Dailey & Weston at Pond Bk. of Pond Creek J. W. Berryman. Creek. Chandler Lincoln. .L.E.Payne Lincoln Co. Bk. O. B. Kee. Cheyenne Roger Mills. See El Reno Wachita Valley Bk. J. W. McMurtry. Cloud Clilef. . . . Washita. See El Reno El Reno Canadian. Blake & Blake Stock Exchange Bk. M. Eichhoff. Enid O. W.O.Cromwell Bk. of Enid W. T. Dugan. Fort Still Kiowa & At Marlow, Ind. Ter. Bk. of Mar low H. L. Jarboe, Jr. Comanche. Gutnrle Logan. S. L. Overstreet Capitol Natl. Bk. G. E. Billingsley. lo I and Day. See Woodward K.aw Agency ..Kansas. William Rouse at New Kirk. Bk. of Santa Fe C. A. Eastman. Kingfisher Kingfisher. D.K.Cunningham Bk. of Kingfisher J. M. Speice. Mangum Greer. See El Reno S. C. Van Leer Norman Cleveland. C. L. Botsford Farmers & Merchants Bk. E. F. Taylor. OKLAHOMA CITY. ..Oklahoma. Hayes & Jenkens First Natl. Bk. J. P. Boyle. Pawhuska Osages. See Pawnee Pawnee Q. Hill, Fitzpatrick & YcGuire.Bk. of Pawnee. C. E.Vandervoort Perry P. C. H. Wynn Bk of Perry F. W. Farrar. PoncaClty K. D. J. Donahoe Bk. of Ponca City Barnes & Dalton. Stlllwater Payne. J. S. Workman Farmers & Merchants Bk. F. J. Wikoff. Taloga D. See Kingfisher Tecumseli PottawatomieW. S. Pendleton Bk. of Tecumseh John W. Lewis. Watonga Blaine. See Kingfisher Wilbur I. See El Reno Woodward N. Houston & Roy Exchange Bk. John M. Pngb. DIGEST OF OKLAHOMA COMMERCIAL LAWS. Assignments. Voluntary assignments, without preference, for the benefit of creditors may be made by debtors of all their property (but they may except property exempted by law). Attachments. Attachments will be granted when the defendant or one of several de- fendants is a foreign corporation or non-resident of this Territory (but no attachment shall be allowed on this ground for any claim other than a debt or demand arising upon contract, judgment or decree) ; has absconded with intent to defraud his creditors ; has left the county of his residence to avoid the service of summons ; so conceals himself that summons cannot be served upon him ; is about to remove his property, or a part thereof, out of the jurisdiction of the court with the intent to defraud his creditors ; is about to convert his property, or a part thereof into money for the purpose of placing it beyond the reach of his creditors ; has property or rights in action which he conceals ; has assigned, removed or disposed of, or is about THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 115 OKLAHOMA CONTINUED. to dispose of his property or part thereof, with intent to defraud his creditors ; fraudulently contracted the debt or incurred the obligation for which suit is about to be or has been brought. Bank Law*. There is no territorial law authorizing the formation of banking corpora- tions, but it is provided that if any officer of a bank or private banker receive or permit, or assent to the reception of money, deposits or things of value in such bank ; or if such officer or banker create or assent to the creation of any indebted- ness by a bank or banker after he shall have knowledge of its or his insolvency, he is individually liable for such indebtedness and is also liable to be prosecuted for larceny. Exemptions. Homestead of debtor, not exceeding $2,000 in value, and not exceeding 160 acres of land, if outside of incorporated city or village, or two contiguous lots if in any incorporated city or village. Interest. Legal rate 7 per cent, where no rate is specified. There is no usury law. Legal Holidays. Sunday, January 1, February 22, July 4, December 25, May 30, every day on which an election is held throughout the Territory, and every day appointed by the President of the United States or by the Governor of the Territory for a public fast, thanksgiving or holiday. Whenever a legal holiday other than Sunday falls upon Sunday, the Monday following shall be observed as such holi- day. Labor Day. Notes and Bills of Exchange. Bills of exchange, promissory notes, banknotes, checks, bonds, and certificates of deposit, if without date, are payable immediately, and if without specified place of payment are payable where maker may be found. Three days of grace allowed on all bills of exchange, or drafts payable at sight. Paper maturing on a holiday becomes due on the next business day. Protest, presentment and notice may be waived. Waiver of protest waives presentment and notice. Reasonable care and diligence in presentment required. Damages for accrued in- terest, re-exchange, expenses, etc., are, if in this Territory, two per cent.; in Neb- raska, Iowa, Minnesota, Wisconsin, Illinois and Missouri, two per cent.; in any other State or Territory, five per cent. , and in any foreign country, ten per cent. Transfer of Corporation Stocks. Stocks of corporation may be transferred by en- dorsement and delivery of the certificates of such stock by the owner or his attorney or legal representative. Such transfer is not valid between the parties hereto until same is entered upon the books of the coporation so as to show the name of the parties by and to whom transferred, the number or designation of the shares and the date of transfer. us THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. OREGON. County Seat. County. Albany Linn. Arlington Gilliam. Astoria Clatsop. Baker City Baker. Canyon City. . .Grant. Corvallls Benton. Dallas Polk. El lens b ii rgli . . .Carry. Empire City . . .Coos. Enterprise Wallowa. Eugene City . . .Lane. Grant's Pass... Josephine. If am ey Harney. Heppner Morrow. Millsborough. Washington. Jacksonville . .Jackson. K lam a th Klamath. Lake View Lake. IttcITIliinvllle ..Tarn Hill. Oregon City Clackamas. Pendleton Umatilla. Portland Multnomah. Prlnevllle Crook. Roseburgli Douglas. St. Helen Columbia. Salem Marion. The Dalles Wasco. Tillamook Tillainook. Toledo Lincoln. Union Union. Vale Malheur. Wasco Sherman. NameofAtty. Name of Bank. Whitney & Newport First Natl. Bk. A. A. Jayne Arlington Natl. Bk. Nolarrd & Thompson First Natl. Bk. Butcher & Johns First Natl. Bk. See Baker City John Burnett First Natl. Bk. Butter & Townsend Dallas City Bk. J. Huntley See Grant's Pass S. H. Hazard See Roseburgh Ivanhoe & Sheahan Wallowa Natl. Bk. E. 0. Potter First Natl. Bk. H. L. Benson First Natl. Bk. T. Williams See Baker City Brown & Hamilton First Natl. Bk. T. H. Tongue First Natl. Bk. H. K. Hanna Peekman & Reames Cogswell & Halee See Lake View C. A. Cogswell Lake View Bk. Ramsey & Fenton First Natl.Bk. L. L. Porter Commercial Bk. C. H. Carter First Natl. Bk. Durham, Platt & Platt First Natl. Bk. M. E. Brink First Natl. Bk. A. M. Crawford First Natl. Bk. F. A. Moore See Portland George C. Bingham Capital Natl. Bk. Dufur & Menefee The Dalles Natl. Bk. Claude Thayer C. & E. Thayer See Corwallis Robert Eakin First Nat!. Bk. H. C. Napton See Baker City Bright & Murchie Sherman Co. Bk. Cashier. E. W. Langdon. P. T. Hurlburt. S. S. Gordon. J. T. Donnelly. W. T. Feet. C. J. Coad. W. R. Holmes. S. B. Eakin. R. A. Booth. George Conser. J. D. Merryman. A. McCallen. WD.McDonald,Jr P. E. Donaldson. Sam. P. Sturgis. G. E. Withington. T. M. Baldwin. W. T. Wright. J. H. Albert. M. A. Moody. Will Wright. V. C. Brock. DIGEST OF OREGON COMMERCIAL LAWS. Assignments No general assignment by an insolvent, or in contemplation of insolvency for the benefit of creditors, is valid unless made for the benefit of all his creditors in proportion to the amount of their respective claims. Attachments. A writ of attachment shall be issued when the defendant is indebted to the plaintiff upon a contract, express or implied, for the direct payment of money, and that the payment of the same has not been secured by any mortgage, lien or pledge, upon any real or personal property ; and that the sum for which the attach- ment is asked is an actual bonafide existing debt due and owing from the defendant to the plaintiff, and that the attachment is not sought nor the action prosecuted to hinder, delay or defraud any creditor of the defendant. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 117 OREGON CONTINUED. Bank Law*. There are no laws regulating banks or banking, and there are no State banks. Exemptions. Homestead of any family is exempt from judicial sale for the satisfaction of any liability hereafter contracted, or by judgment hereafter obtained on such debt, to the extent of 160 acres when not located in town or city (or if so located to the extent of one block), and to the extent of $1,500 in value. Interest. Legal rate is 8 per cent., but contracts to pay not to exceed 10 per cent., and to pay not to exceed 8 per cent., and taxes may be enforced. Usury is punishable by forfeiture of both principal and interest to the common school fund. Legal Holidays. Sunday, January 1, February 22, May 30, July 4, First Monday in September, December 25, public fast, Thanksgiving and every general election day Whenever any legal holiday other than a Sunday falls upon Sunday, the Monday following shall be and be observed as such holiday, First Saturday in June. Limitation of Actions. On contracts not under seal, express or implied, six years; on judgments or decrees of any court and sealed instruments, ten years; recovery of real property, ten years. Harried Women. All property of the wife's at marriage or afterwards acquired by gift, device or inheritance, is her sole property, and not subject to the debts of her husband. She may buy, sell and make contracts, and her separate estate is liable for the same. Notarial Fees. Protest $3. Notes and Bills of Exchange. All negotiable instruments are commercial paper. They are not required to be paid at any particular place unless a place of payment is specified in the instrument. No days of grace in this State. Negotiable instru- ments falling due on a holiday become due on the next business day. No person can be charged as an acceptor of a bill of exchange unless the acceptance be in writing, signed by himself or his lawful agent. Indorsers, if properly charged by protest, are liable as long as the maker. Damages allowed on protested bills of exchange : domestic, five per cent., foreign 10 per cent. Stay of Executions. Only by order of the Courts. Transfer of Corporation Stocks. The corporation, in case of a sale, is required to make the necessary transfer upon the books. By-laws generally regulate the manner of transfer. 118 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. PENNSYLVANIA. County Seat. County. Name of Atty. Name of Bank. Cashier. Alleiitown Lehigh. Robert E. Wright Allentown Natl. Bk. C. M. W. Keck. Beaver Beaver. John M. Buchanan First. Natl. Bk. E. J. Allison. Bedford Bedford. M. A. Points First Natl. Bk. E. 8. Doty. K. II. Ion i e Centre. Ovris, Bower & Ovris First Natl. Bk. John P. Harris. Bloomsburgh. Columbia. Grant Herring First Natl. Bk. E. B. Tustin. Brookvllle Jefferson. Means & Ciark Jefferson Co. Natl. Bk. J.S.Carroll. Butler Butler. - Williams & Mitchell Butler Co. Natl. Bk. C. A. Bailey. Carlisle Cumberland. R.M.Henderson Farmers Bk. Walter Stuart. CHAMBERSBURG . .Franklin. W. U. Brewer Valley Natl. Bk. John K. Orr. Clarion Clarion. James T. Maffett Second Natl. Bk. J. M. Shannon. Clearfield Clearfleld. Fielding & Betts County Natl. Bk. . H. B. Powell. Coudersport. . .Potter. Mann & Osmond First Natl. Bk. N. A. Pinney. Danville Montour. James Scarlett First Natl. Bk. B. R. Gearhart. Doylestoii Bucks. Henry Lear Doyleston Natl. Bk. John J. Brock. Easton Northampton Russell C. Stewart Easton Trust Co. John Bacon. Ebensburgh . . .Cambria. Kittell & Little Johnston, Buck & Co. Emporium Cameron. D. W. Green First Natl. Bk. M. P. Whiting. Erie Erie. T. A. Lamb Second Natl. Bk. C. F. Allis. Franklin Venango. McCalmont & Osborne First Natl. Bk. F. W. Officer. <*ettyburgli Adams. Wm. McSherry, Jr. First Natl. Bk. F.M.Bushman. ii to u Polk. Blount ville . . .Sullivan. Bolivar Hardeman. It row UN villc ..Hay wood. Byrdsto wn Pickett. Camden Beiiton. Carthage Smith. Cellna Clay. Centre vllle Hickman. Charlotte Dickson. Chattanooga . . .Hamilton. Clarksvllle Montgomery. Cleveland Bradley. Clinton Anderson. Columbia Maury. Cooke vllle Putnam. Covlngton Tipton. Crossvllle Cumberland. Damlridge Jefferson. Dayton Rhea. Decatur Meigs. Decaturvllle. ..Decatur. Dover Stewart. Dresden Weakley . Dunlap Sequatchie. Dyersburgh . . .Dyer. Elizabeth ton.. Carter. Erin Houston. Erwin Unicoi. Fayett vll le Lincoln. Franklin Williamson. Oalnesboro Jackson. Gallatln Smnner. Greenville Greene. Harts villc Trousdale. Henderson Chester. Huntlngton ...Carroll. II unts v i lie Scott. JacksboroughCampbell. Jackson Madison. Jamestown . . .Fentress. Jasper Marion. JONESBOROUGH . ..Washington. Kingston Roane. Name of Atty. Wm. F. Poston J. K. P. Pearson J. J. Lenox W. D. Henderson W. R. Johnson Thomas Curtin Wood & McNeal Wm. Kinney S. M. Turner S. L. Peeler W. V. Lee C. Hull Bates & Clagett. Morris & Leech J. A. Caldwell Leech & Savage P. B. Mayfield & Son J. A. Fowler George T. Hughes T. L. Dewey W. A. Owen See Sparta Pickle & Turner W. B. Miller J. W. Lillard J. A. England W. M. Brandon Jones & Hall N. D. Hearn Latta & Latta John W. Tipton J. W. Rudolph R. W. H. Gilbert Holman & Carter Wm. House J. T. Anderson James W. Blackmore Newton Hacker John S. McMurray M. F. Ozier George T. McCall W. H. Buttram E. H. Powers McCorry & Bond Smith & Smith W. D. Spears S. J. Kirkpatrick George L. Burke Name of Bank. At Bells Depot, Bk. of Crockett See McMinnville See Nashville First Natl. Bk. See Cleveland At Bristol, Natl. Bk. of Bristol Bk. of Bolivar Haywood Co. Bk. See Livingston Camden Bk. & Trust Co. Bk. of Carthage. See Gainesboro'. First Natl. Bk. Cashier. J. H. Thomas. R. J. Fisher. John H. Caldwell. W. C. Dorion. T. B. King. W. E. McRae. Herman Myer. J. B. Walker. At Dickson, Dickson Bk. & Trust Co.J. T. Dean. First Natl. Bk. Clarksville Natl. Bk. Bk. of Charleston Union Bk. Maury Natl. Bk. Bk. of Cookeville Farmers & Merchants Bk. J. H. Rathburn. A. Howell. T. J. Knox. R. S. Kincaid. Chas. A. Parker. R. L. Farley. John T. Garner. At Mossy Creek, Mossy Creek Bk. J. W. Goodwin. Dayton Bk. & Trust Co. J. T. Dean. See Dayton See Lexington Stewart Co. Bk. E. T. Peck. Weakley Co. Bk. J. D. Little. See Pikeville Citizens Bk. J. N. Parker. Peoples Bk. C. T. Cass. Bk. of Erin D. W. Shofner. Unicoi Co. Bk. W. T. Williams. Elk Natl. Bk. W. B. Douthat. Natl. Bk. of Franklin Joseph L. Parker. Bk. of Gainesboro J. A. Williams. First Natl. Bk. D. F. Barry. First Natl. Bk. J. E. Hacker. Bk. of Hartsville M. L. Wright. Farmers & Merchants Bk. R. E. McKinney. Bk. of Huntington J. McNiel Wright At Harriman, First Natl. Bk. W. H. Julian. At Coal Creek, Bk. of Anderson Co.E. L. Foster. First Natl. Bk. J. W. Vanden. See Livingston At South Pittsburg, First Natl. Bk.T. G. Garrett. First Natl. Bk. T. L. Earnest. Kingston Bk. & Trust Co. S. P. Sparks. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 131 TENNESSEE CONTINUED. County Seat. County. Unoxville Knox. La Fayette Macon. LAWRENCEBURGH. Lawrence. Lebanon Wilson. Name of Atty. Jesse L. Rogers 1. L. Roark W. R. King E. E. Beard Name of Bank. East Tennessee Natl. Bk. La Fayette Bkg. Co. Lawrence Bkg. & Trust Co. Bk of Lebanon Cashier. S. V. Carter. J. W. Beckwith. J. M. Gilmore. 8 G Stratton Lewisbiirgh . . .Marshall. Lexington Henderson. Linden Perry. P. C. Smithson John E. McCall T. W. Sims Bk. of Lewisburgh Bk. of Lexington See Centreville W. D. Fox. E. J. Tunberlake. Livingston Overtoil. London Loudon. Knight & Hussey G. W. Fox Bk. of Livingston Bk. of Loudon H. S. Estes. R. H. Bell. Lynchbnrgh . .Moore. McMinuville ..Warren. Madlsonville. .Monroe. Manchester Coffee. Maryvllle Blount. W. D. L. Record T. C. Lind McCroskey & McCroskey George W. Cross McTeer & Gamble Farmers Bk. Peoples Natl. Bk. Bk. of Madisonville Coffee Co. Bk. Bk. of Maryville J. W. Motlow. Frank Colville. W. N. Magill. J. G. Wilkinson. Joseph Burger. ITJ a j nard vi 1 1 e . Union. Memphis Shelby. C. A. Gulp Wm M Randolph & Sons See Knoxville State Natl Bk. M 8 Buckingham Morristown . . .Hamblen. Mountain CityJohnson. MURFREESBORO'. .Rutherford. Nashville Davidson. Shields & Mount Castle Jenkins & Donnelly H. E. Palmer Tillman & Tillman First Natl. Bk. See Bristol First Natl. Bk. Fourth Natl Bk George S. Crouch. H. H. Williams. J T Howell Newburg Lewis. Newport Cocke. See Centreville McSween & Mints See Columbia Merchants & Planters Bk Ooltewah James. H. H. McNab See Chattanooga Paris Henry. T N Thomason Alex B White Pikeville Bledsoe. Pnlaski Giles. John C. Myers John T. Allen Peoples Bk. Peoples Natl. Bk. Sam. M. Pope. N. A. Crockett Hipley Lauderdale. John P. Cause Ripley Bk. W. L. Neel. Rogersville Hawkins. Rutledge Grainger. Savannah Hardin. Smith & Chesnutt A. S. Tate D. W. Broyles Rogersville Natl. Bk. See Morristown Bk. of Savannah James Cooper. J. J. Williams Selmer McNairy. D. W. Herring McNairy Co. Bk. J. R. Adams Sevierville Sevier. J R Penland Bk of Sevierville M B McMahan Shelbyville Bedford. Smithville DeKalb. Sneedvllle Hancock. Wm. B. Bates Nesmith & Smallman A. J. Tyler Peoples Natl. Bk. Potter's Bk. See Rogersville J. D. Hutton. T. B. Potter. Somerville Fayette. Sparta White. H. C. Moorman M. A. Cummings Fayette Co. Bk. First Natl. Bk. A. J. Rooks. J. N. Wallin". Spencer Van Btiren. J. R Simmons See Sparta Spriiigfleld Robertson. Tazewell ...Claiborne. A. E. Garner W. A Owens Springfield Natl. Bk. See Rogersville J. Y. Hutchison. Tiptonville . . . .Lake. Trenton Gibson. W. W. Cochran Neil & Deason See Troy Exchange Bk. J. E. Carthel. Troy Obion. J. G. Smith & Son Bk of Troy Paul Ingram Wartburg Morgan. Waverly Humphreys. S. M. Vance Thomas Bowman At Harriman, First Natl. Bk. Waverly Bk. & Trust Co. W. H. Julian. W. H. Meadow Waynesboro. ..Wayne. "Winchester Franklin. Woodbury Cannon. Morrison & Harding Bankes & Embrey James A. Jones See Savannah Bk. of Winchester Bk. of Woodbury F. A. Pattie. W. C. Covington . 132 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. TENNESSEE CONTINUED. DIGEST OF TENNESSEE COMMERCIAL LAWS. Assignments. Assignments for the benefit of creditors are allowed, but without prefer- ence. Attachments. Attachments may be granted where the debtor or defendant resides out of the State ; where he is about to remove or has removed himself or property from the State ; where he has removed or is removing himself out of the county privately ; where he conceals himself, so that the ordinary process of law cannot be served upon him ; where he absconds or is absconding or concealing himself or property ; where he has fraudulently disposed of or is about fraudulently to dispose of his property .; where any person liable for any debt or demand, residing out of the State, dies, leaving property in the State. Bank Laws. Any company incorporated under the laws of Tennessee, having, by its charter, the right to receive money in trust or otherwise, has the power to receive deposits and loan same and its capital on any kind of commercial business paper or real estate, buy and sell exchange and all kinds of public or private securities and commercial paper. State banks may be chartered at any time in same manner as other private corporations, and, if they so choose, may couple with the usual bank- ing business, a safe deposit and trust company. They may do all acts usually per- formed by banks. Allow 3 per cent, interest on deposits, advance money on real and personal property, and sell same ; and, if the safe deposit and trust feature is added, may take on deposit jewelry and other valuables, and guarantee the preser- vation and delivery of same ; guarantee the titles to real estate and the payment of bonds and mortgages ; execute trusts of every description, and own a vault and rent out boxes for the keeping of valuables, but shall not be liable for losses by fire, theft, or other excuse. Stockholders not liable except for payment of stock sub- scribed by each. Every six months banks must publish a statement of their con- dition. The Secretary of State is made a bank examiner, and required to examine each bank quarterly and report to the Comptroller, and each bank is subject to legislative inspection. There is no law regulating the class of bonds in which savings banks may invest. Exemptions. A homestead or real estate in the possession of, or belonging to, each head of a family, and the improvements, if any, thereon, to the value of in all $1,000, shall be exempt from sale under legal process during the life of such head of the family, and which shall inure to the benefit of his widow and children, and shall be exempt from sale in any way at the instance of any creditor or creditors. Interest. Legal rate is 6 per cent. A defendant sued for money may avoid the excess over legal interest by a plea setting forth the amount of the usury. If usurious interest has been paid it may be recovered by action at the suit of the party from whom it was taken. Legal Holidays. Sunday, January 1, February 22, first Monday in September (Labor Day), July 4, December 25, Thanksgiving and Good Friday, Decoration Day, Memorial Day and election days. Limitation of Actions. Upon bends, notes, accounts and contracts generally, six years ; judgments or decrees of courts of record, and other cases not expressly provided for, ten years. married Women. Are without power to bind themselves or property by contract. Notarial Fees. Protest $1, each notice fifty cents. THE LEGAL AND FINANCIAL LIGHTS OP AMERICA. 133 TENNESSEE CONTINUED. Motes and Bills of Exchange. A verbal acceptance of bill of exchange communi- cated to one who accepts it on faith of such acceptance is valid. Bills of exchange, promissory notes, bank checks, and bonds for payment of money are negotiable. When negotiable paper is taken in payment of pre-existing debt, equities can be set up against the holder. Notary's certificate that he gave notice on protest of bill or note to drawer or indorser, is prima facie evidence that such notice was given as therein stated. All warehouse receipts for cotton, tobacco, grain, hemp, whiskey, or any kind of produce, wares, merchandise, or of any description of personal property, are negotiable in the same manner as bills of exchange, unless such receipts shall have the words " Not Negotiable " plainly written or stamped thereon. Damages recoverable on a protested bill of exchange drawn or indorsed in Tennessee, are three per cent, if it was drawn on a person or corporation in any of the United States or Territories thereof ; fifteen per cent, if drawn on any person or corporation of or in any other State or place in North America bordering on the Gulf of Mexico, or of or in any of the West India Islands ; twenty per cent, if drawn on any person or corporation of or in any other part of the world. Days of grace are not allowed on bills payable at sight. Paper maturing on a holiday becomes due on business day preceding. Stay of Executions. In Justices' Courts a stay of eight months is allowed on giving security. Tranfer of Corporation Stocks. Shares may be transferred by presentation of old certificates at the office of the company properly endorsed. New shares will then be issued by the proper officer. 134 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. TEXAS. County Seat. County. Abilene Taylor. Albany Shackleford. Alpine Brewster. Amarlllo Potter. Anderson Grimes. Anson Jones. Archer Archer. Athens Henderson. Austin Travis. Balrd Callahan. Balllnger Runnels. Handera Bandera. Bar* tow Ward. Bastrop Bastrop. Bates vllle Za valla. Beaumont Jefferson. Beevllle Bee. Bellvllle Austin. Belton Bell. Benjamin Knox. Big Spring Howard. Blanco Blanco. Boer lie Kendall. Bouham Faunin. Bracket! ville .Einney. Brady McCulloch. B razor! a Brazoria. Breckenrldge. Stephens. Brenham Washington. Brownsville. ..Cameron. Brownwood . .Brown. Bryan Brazos. Burnet Burnet. Cald well Bnrleson. Camero n Milan. Canadian Hemphill. Canton Van Zandt. Canyon Randall. Carrlzo Zapata. CARRIZO SPRINGS. Dimmii . Carthage Panola. Castro vllle Medina. Center Shelby. Centervllle Leon. Chlldress Childress. Clalrmont Kent. Clarendon Donley. Name of Atly. Name of Bank. Cashier. Fred Cockrell Abilene Natl. Bk. George S. Berry. J. R. Warren First Natl. Bk. N.L. Bartholomew Vacant See Pecos Plemens & Veale First Natl. Bk. Walter Davis. Lindsay & Baker At Navasota, First Natl. Bk. James M. Shaw. C. M. Christenberry Bk. of R. V. Colbert F. E. Dyens See Seymour Richardson, Watkins&Miller.First Natl. Bk. G. M. Woflord. West & Cochran State Natl. Bk. J. G. Palm. Otis Bowyer First Natl. Bk. W. C. Powell. Guion & Truly First Natl. Bk. D. M. Baker. H. C. Duffy See San Antonio See Pecos J. B. Price First Natl. Bk. Chester Erhard. See Eagle Pass Greer & Greer First Natl. Bk. Frank Alvey. Beasley & Flournoy First Natl. Bk. B. W. Klipstein. A. Chesley First Natl. Bk. J. G. Wessendorf . A. J. Harris Belton Natl. Bk. J. Z. Miller. J. J. Brents See Seymour S. H. Cowan First Natl. Bk. E. O. Price. J. W. Bains Bk. of Boon & Crist. Eugene Digges See San Antonio Taylor, Galloway & McGrady. First Natl. Bk. A.B. Scarborough Thomas & McDonald See Del Rio F. M. Newman Commercial Bk. W. D. Crothers. H. Masterson At Velasco, Velasco Natl. Bk. J. M. Moore. J. W Crudgington Bk. of Ward & Black Searcy & Garrett First Natl. Bk. H. K. Harrison. James B. Wells First Natl. Bk. J. D. Anderson. Jenkins & McCartney Merchants Natl. Bk. J. A. Austin. Ford & Nail Merchants & Planters Bk. J. P. Burrough. J. G. Cook Bk. of W. H. Westfall & Co. A. W. Mciver Bk. of Wm. Reeves & Co. W. T. Hefley First Natl. Bk. T. F. Hardy. H. E. Hoover Canadian Valley Bk. D. J. Young. Kilgore & Lively At Willspoint, Willspoint Bk. J. M. Lybrand. See Clarendon See Laredo F. Vandervoorst See Eagle Pass J. G. Hazlewood Bk. of Carthage H. E. Hasse Bk. of Joseph Couraud R. S. Bryerly See Nacogdoches S. W. Dean See Franklin Johnson & Fires First Natl. Bk. J. H. P. Jones. Belcher & Hendrix See Haskell Browning & Mcdden Bk. of Clarendon W. H. Patrick. THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 135 TEXAS CONTINUED. County Seat. County. Clarksvllle Red River. Claude Armstrong. Cleburne Johnson. Cold Spring San Jacinto. Cold water Sherman. Col cmau Coleman. Colorado Mitchell. Columbus Colorado. Comaiiclie C'omanche. Cooper Delta. Corpus Cbrlstl.Nneces. Corslcana Navarro. Cotulla La Salle. Crockett Houston. Crowell Foard. Cnero DeWitt. Dalngerfield ..Morris. Dallas Dallas. Decatur Wise. Bel Rio Val Verde. Deiitoii Denton. Dickens Dickens. IH in in i 1 1 Castro. Dumas Moore. Eagle Pass Maverick. Eastland Eastland. Edna Jackson. El Paso El Paso. Emma Crosby. Emory Rains. Fairfleld Freestone. Floresvllle Wilson. Floydada Floyd. Fort Davis Jeff Davis. Fort Stockton. Pecos. Fort Worth. . ..Tarrant. Franklin Robertson. FREDERICKSBURGHGillespie. Gall Borden. Gainesville Cooke. Galveston Galveston. Garden City Glasscock. Gatesvllle Coryell. Georgetown . . .Williamson. Giddiiig* Lee. Gllmer Upshnr. Glen Rose Somerwell. Goldthwalte . . .Mills. Gollad Goliad. Name of Atty. Name of Bank. Cashier. Lennox & Lennox Red River Natl. Bk. D. W. Cheatham. See Clarendon Poindexter & Padelford Farmers & Merchants Natl. Bk. S. B. Allen. A. R. Chapman See Huntsville See Lipscomb H. C. Randolph Coleman Natl. Bk. R. H. Alexander. R. H. Looney Peoples Natl. Bk. W. T. Scott. J. W. Munson Bk. of R. E. Stafford & Co. Ike T. Pryor. Lindsey & Goodson First Nat!. Bk. T. C. Hill. Wood & Phillips First Natl. Bk. R. M. Walker. G. R. Scott & Bro. Corpus Christ! Natl. Bk. Thos. Hickey. R. S. Neblett Corsicana Natl. Bk. T. P. Kerr. P. H. Clark Cotulla Bk. E. G. Hubbard. Nunn & Nunn First Natl. Bk. H. F. Moore. See Quanah Bailey & Schleicher First Natl. Bk. Lee Joseph. J. M. Moore Natl. Bk. of Daingerfield J. F. Jones. D. H. Morrow City Natl. Bk. E. O. Tenison. R. E. Carswell First Natl. Bk. Ben. F. Allen. H. C. Carter Bk. of John Woods & Son Smith & Hill Denton Co. Natl. Bk. B. H. Davenport. See Haskell See Floydada See Canadian Winchester Kelso First Natl. Bk. W. A. Bonnet. Scott & Brelsford Eastland Natl. Bk. B. B. Kenyon. W. A. McDowel Bk. of Edna J. W. Allen. W. B. Brack State Natl. Bk. J. C. Lackland. See Haskell W. M. Brook At Mineola, Bk. of Mineola S. Munzesheirner. R. G. Anderson See Palestine Camp & Cocke Bk. of A. B. Briscoe D. C. McRae. H. Snodgrass Floyd Co. Bk. B. W. Ainsworth. G. E. Pope See Pecos Howell Johnson See Pecos Hyde Jennings Fort Worth Natl. Bk. N. Harding. Cochron & Kinnard Bk. of Mitchell Bros. & Decherd A. 0. Cooley Bk. of Fredericksburgh. T. D. Smith. See Big Spring Potter & Potter First Natl. Bk. Wm. Worsham. Spencer & Kincaid Galveston Natl. Bk. A. J. Compton. See Big Spring S. B. Hawkins City Natl. Bk. J. S. Corley. Brooks & John First Natl. Bk. F. W. Carothers. J. L. Rousseau First Natl. Bk. I. J. Farris. F. S. Eberhart Gilmer Bk. W. S. Sasser. J. J. Farr See Cleburne Tripett & Doughty First Natl. Bk. W. H. Trent. Browne & Burns First Natl. Bk. W. B. Campbell. 136 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. TEXAS CONTINUED. County Seat. County. Goiizales Gonzales. Graham Young. Granbury Hood. Greenville Hunt. Grocsbeck Limestone. Groveton Trinity. Giithrie King. Hallettsville ..Lavaca. Hamilton Hamilton. Hansford Hansford. Hartley Hartley. Haftkeil... Haskell. Haymoiid Buchel. 1 1 1 in l> h i 1 1 Sabine. Herapstead Waller. Henderson Rusk. Henrietta Clay. Hidalgo Hidalgo. Hillsborougli.Hill. Houston Harris. H u n ts v il le Walker. JacksboroughJack. Jasper Jasper. Jefferson Marion. Junction City.Kimble. K a rues City . . .Karnes. Kaufman Kaufman. Kerville Kerr. Kountz Hardin. Lagrange Fayette. Lampasas Lampasas. La Plata Deaf smith. Laredo Webb. Liberty Liberty. Linden Cass. Lipscomb Lipscomb. Livingston Polk. Llano Llano. Lockliart Caldwell. Loiigvlew Gregg. Lnbbock Lnbbock. Lufkln Angelina. Madlso 11 vtl 1 e . . Madison. Mar fa Presidio. Marlin Falls. Marshall Harrison. Mason Mason. Matador Motley. Matagorda Matagorda. Name of Atty. Name of Bank. Cashier. Burgess & Hopkins Bk. of Miller & Sayers W. J. Bright. R. F. Arnold Beckham Natl. Bk. W. T. Stiwart. Riddle & Martin First Natl. Bk. Otho S. Houston. Perkins, Gilbert & Perkins. Greenville Natl. Bk. W. A. Williams. Farrar, Williams & Farrar Groesbeck Natl. Bk. D. Oliver. See Huntsville See Haskell Paulus & Ragsdf.le Lavaca Co. Natl. Bk. F. Simpson. Eidson & Roberts Hamilton Natl. Bk. E. A. Pery. See Lipscomb See Amarillo Baldwin & Lomax First Natl. Bk. J. V. W. Holmes. See Del Rio A. D. Hamilton See Nacogdoches A. C. Tompkins Farmers Natl. Bk. Ed. F. Jones. W. C. Buford Bk. of A. Wettermark & Co. W. G. Eustis Farmers Natl. Bk. F. B. Wyatt, Rentf ro & Scott See Corpus Christ! Tarlton & Morrow Farmers Natl. Bk. John J. Warren. Ewing & Ring First Natl. Bk. W. H. Palmer. Benton Randolph Gibbs Natl. Bk. G. A. Wynne. Thomas S. Spooner First Natl. Bk. D. L. Knox. Seale & Powell See Nacogdoches W. T. Armistead Natl. Bk. of Jefferson W. T. Atkins. W. A. Williamson See Macon Graves & Wilson Buchel, Wagner & Co. C. L. Burghard. Huffmaster & Huffmaster First Natl. Bk. Wood Nash. W. G. Garrett Charles Schreiner L. A. Schreiner. See Beaumont Brown. Lane & Jackson First Natl. Bk. Jno. B. Holloway. Matthews & Browning First Natl. Bk. J. F. White. See Amarillo M. H. Lane Milmo Natl. Bk. Miles T. Cogley. M. D. Rayborn See Houston F. S. Eberhard See Daingerfield H. E. Hoover Bk. of Lipscomb Wm. H. Parker. James E. Heil See Houston Moore & Linden Iron City Natl. Bk. M. M. Hargis. Storey & Storey First Natl. Bk. J. M. Jolley. Otho F. Lane See Haskell H. G. Lane See Nacogdoches J. F. Randolph See Franklin H. H. Kilpatrick See Pecos Martin & Eddings First Natl. Bk. B. C. Clark. M. R. Geer First Natl. Bk. W. C. Field. M. Fulton First Natl. Bk. E. M. Reynolds. See Quanah See Edna THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. 137 TEXAS CONTINUED. Name of Atty. Smith & Evans W. M. Pardue J. A. Snook See Pecos Wm. N. Knight R. H. Zane L. 0. Miller J. M. Chambers County Seat. County. McKinney Collin. Memphis Hall. Menardville. . .Menard. Mentoue Loving. Meridian Bosque. Midland Midland. Mobeetie Wheeler. Montague Montague. Montgomery.. .Montgomery. B. H. Powell Mt. Pleasant ..Titus. S. P. Pounders Mt. Vernon Franklin. Glass & McLean Nacogdoches..Nacogdoches.George H. Matthews New Bramfels.Comal. J. D. Guinn Newton Newton. L. B. Clunk Oak vil I e Live Oak. See Beeville Ochilt ree Ochiltree. Odessa Ector. Orange Orange. Ozona Crockett. Pad H call Cottle. Paint Rock Concho. Par nell Roberta. Palestine Anderson. Palo Pinto Palo Pinto. Panhandle Carson. Paris Lauiar. Pearsall Frio. Pecos Reeves. Pittsburgh Camp. Plalnview Hale. Pleasanton Atascosa. Port Lava Calhoun. Qua 11 ah Hank-man. (>'. Raynor Stonewall. Refuglo Refugio. Richmond Fort Bend. Rio Grande Starr. Robert Lee Coke. Roby Fisher. Rockport Aransas. Rock Springs . .Edwards. Rook wall Rockwall. Rusk Cherokee. San Angelo Tom Green. Nan Antonio. ..Bexar. San AugustlneSanAugusti San Diego Duval. San Marcas Hayes. Name of Bank. First Natl. Bk. Bk. of Memphis See Mason First Natl. Bk. First Natl. Bk. Bk. of J. L. Dickerson First Natl Bk. See Houston First Natl. Bk. Mt. Vernon Bk. First Natl. Bk. First Natl. Bk. See Beaumont. Cashier T. H. Emerson. Byron Jones. J. W. Rudasill. W. E. Connell. C. H. Philbrick. W. M. Dugan. C. C. Carr. W. G. Ratcliff. Herman Clemens. See Lipscomb See Midland D. W. Solliday First Natl. Bk. W. W. Reid. See San Angelo See Quanah G. H. Garland] See Ballinger See Canadian Gregg & Gardner First Natl. Bk. Lucius Gooch. M. L. Garrett Cunningham Bros. Jno. H. Eaton. Frank Lester Panhandle Bk. J. C. Paul. Denton & Long First Natl. Bk. J. F. McReynolds T. N. Spann See San Antonio Frank E. Hunter Pecos Valley Bk. W. D. Johnson. S. D. Snodgrass First Natl. Bk. W. C. Hargrove. See Floydada W. H. Smith See Karnes City W. H. Woodward See Victoria Smith & Martin Bk. of C. H. Harwell & Co. W. B. Harris See Gilmer Balcher & Hendrix See Haskell See Beeville Thomas E. Mitchell Bk. of J. H. P. Davis & Co. C. A. Beasley. F. D. Yodon See Brownsville See Ballinger Crane & Kiefer See Sweetwater E. A. Stevens First Natl. Bk. J. M. Hoopes. See Kerrville N. C. Edwards Rockwall Co. Natl. Bk. Frank Jones. M. J. Whitman First Natl. Bk. A. A. Simmons. Cochran & Hill San Angelo Natl. Bk. Jno. Carragher. Berry & Culberson San Antonio Natl. Bk. F. Herff, Jr. .Wilson & Blount See Nacogdoches James 0. Luby See Corpus Christ!. Sterling & Fisher Glover Natl. Bk. E. L. Thomas. 138 THE LEGAL AND FINANCIAL LIGHTS OF AMERICA. TEXAS CONTINUED. County Seat. Connty. NameofAtty. San Patricio... San Patricio. See Corpus Christ! San Saba San Saba. Allison & Reeber Sequin ... Guadelupe. John Ireland Seymour Baylor. Newton & Oalton Sherman Grayson. Dillard & Muse Sherwood Irion. See San Angelo Sllverton Briscoe. See Floydada S ii j dor Scurry. C. C. Johnson Sonora Sutton. See Mason Stanton Martin. See Big Spring Stephen v!lle...Erath. Martin & George SULPHUR SPRINGSHopkins. J. A. B. Putnam Sweet Water. ..Nolan. Cowan & Fisher Tascora Oldham. See Amarillo Texarkana Bowie. Jacob M. Carter Texllne Dallam. See Amarillo THROCKMORTON ..ThrockmortonW. T. Andrews Tildeii McMullen. See Beeville Tulla Swisher. See Floydada Tyler Smith. Marsh & Butler Uvalde Uvalde. J. N. Garner Veriion Wilbarger. Elliott & Sitterly Victoria Victoria. Samuel B. Dabney Waco McLennon. Williams & Evans Walllsvllle Chambers. Hugh Jackson Waxahachle . . Ellis. G. C. Crose Weatherford. .Parker. G. A. McCall Wellington. . . .CollingsworthSee Clarendon Wharton Wharton. G. G. Kelley Wichita Falls. Wichita. James & Sherrod Woodvllle Tyler. A. E. Adams Not Organized. Andrews. ** Bailey. '* Cochran. " Crane. *' Dawson. *' Encinal. Foley. Gaines. ' Garza. *' Gray. " Hockley. *' Hutchinson.