Newspaper Page Text
FOR TRADE LOANS
KM Of BANKING
tContlr.uod ?um Kirat Page j
paper The manufacturer oi- merchant
who ships the Roods may demand the
promissor> note .?f the me.ch.i-it to
whom h? scads i and to v. horn be
* >'? * credit, eay, of sixt, aajri
When he receives thla note, he may en?
dorse h, and then discount t a; hi*
bank. Or. he may draw on the sec?
ond merchant at sixty days- sluht. la
which case the second meroharu ac?
cepts it by writing across ita f.ue the
word *accepted, with his ~r~i and
the date and it then becomes aa la*
strumerr: convertible into cash
< red It for Produclltr ln<Iii?ir?
In eJther of these rasre. w, have
:wo-name paper, bused ot: actaaJ u ? Us
in transit from the produce:- t-. the
consumer, and dependent 1 u paymeart,
in the last anal\sis. no! Berels upon
the commercial integrity of Ike men
a ho made it. but upon tka BfoHltJf of
the public to consume the jtj>ds it
In the case of one-name pa ? r, the
wisdom of a bank granting a I .1:1 de?
pends uprn what it knows of Its elleat
If the total amount desin-d is moderate
in comparison with the client's total
assets, and especially in oesnparii n
with his current receipts, it is B good
loan Tin re is none safer. It ahoald
he understood that the sele.t.on by
uanks of such paper should be are
fully made. They must ha\- -the
facts about the busmesa of 1 s ei
cern asklnc the loan. 1'suaily banks
haw a bureau of Information ii-\ >ted
to this purpose, called a credit ?lepart
inent. thoroughly posted as regards
the lommerclal psper offered : I .1.
This department may. iu Sorna in
stan.es. call for a full statement of iht
comctn* business, or BBaYJ e\<:i em?
ploy outside acountants to go over its
!>o.>ks. It may, if It sees fit. Saasas I 1 1
know whether the loan required is
baaed upon an actual commercial
transaction, and may demand evidences
,-f the transaction.
it is often found ad\isai>U- In eaaea
as large loans on commercial pa[?er to
split toe loan :nto a number of ' notes."
which arc sold by note-brokers to
different banks. It not Infrequently
happens that a small bank wlM buy
fo^ir or five pieces of well known j
commercial paper in this way as an I
investment for idle fund*, and In that j
rase, if some unexpected demand is
made upon th.- bank, so that it needs
funds promptl>. it will send M much j
at this paper as may be repaired
till its need, to its city correpsceTiient
I.owrr interest Bales.
But by establishing a broader m.ir
k-t for such paper, latereet rates
would be lowered in this country. If|
the market wer,, still further broad?
ened, to become international as well |
as national in scope, interest rat s ob?
viously would be still further lowered.
Th,. American merchant would luve to
pay l. ss for the capital necessary for|
his business. It is obvious that Hm
cost of borrow.-d capital must enter]
into the expense of conducting every
large business. If inter-st rates arc
increased, the cost must be laereaaed
of every article into whose production
or distribution the use of borrowed
Th<> lewer inter-st rates prevalent In|
Kngland and on the caaitiaen. give
merchants and manufacturers there an
aasalslsltsklr advantage over tkeir |
competitors in the l'n t-d Stat s Ktr.
land's unrivalled monetary aystera and]
her low rates of interest t> industrial
enterprises an- large facto:-" in her)
The Panama vans! ^penintr vista
of new business opportunities t?
America, is on the verge of comple?
tion. Will we perm t it to beeosae aa
added help to foremn nat.ons. or will
we, by adopting a scientific banking
system, equip ourseiv.-s te r. ap full
adsaalagi sf It? That is .-< ajueetioa
for the people of th. Baited States te
answer. it shaaM i?- Bnsweied before
the canal la compb-trd. The aaewei
should be in the form of eompet-ntj
and expert :? nsedsa] l'-u'?l ition.
< ommrreinl gleans I'nld in IIMIT.
Co as sen 11 la^sagjg?? akrVadi has peon
ff such value t-> us Jhat not to bro:
? ii its field -s fsatjr it s awa ii<iuni|
?within certain | ids. being convert M
into tash with more or leas <.i>. hi
tini.-s of industrial < ?nfidence. AM]
even in times of str'ss it h.:s demon
strat-d it. wertn
I was iriitn.-nsely impr.-ssed srlah
thla daring the peusk ef ita>? .>t thatl
tim* we had large outstar.d.ng r..-ti.
mercial aeeounts. which, sltbo:g-h th.-y
? err not secured by .omm. ii sag
were cioselv akin to it W. 1 nipt)
stopped bu> ;.? geeis s'd -is w- I f]
always paid cash for everx thins, we
had nothing sal carreni ttpiaaie te
meet. At maturitv of our e-jrrent ae
1 >unts. those ?-?>n eaahJ net nay ?
full would s?nd us ear. one-hat* ard|
? little lat-r anather renrtttaaee aadll
- ? aaV I apprehend that tot t?.. 1
cent af the earam n si paper t. -,T |
at that tim. * si .i- pa 1 ... ,. 1
It is readtU apparent thai 4 ran
rial pa;- e bridgee t*;e mtei a] h* ;-r
the product. ? o is-iropt
af soo.i.. aad glees
manufa?tur?r read) fsnsfsj I ? ?
t t uanc of his :?, n<-- w',l->
aaitme for- th> pwrehaser or ./>-;?:)-.,
to w i.e.-, be has .
?sgsji f arsj - thai ihai
ages h.m to ure a ? are
:n the wa. of exaerlm art ? ?
pevdearta af tve c?,.-r?- ,-, ,
?ls .... . .
full> on* -ti '1 This was mad
Slbl' soI?l> B th* fsd ?
akg use of ?omme-- al pagi.r, th
afactarer was eaabli l to g, t
mw.; n .ti. ? | - ?.
msde to d- ?. ??
mechani*ai app: ai
A gatleael i re-tt, llnrsao
'"tfmrr.? r- .al pap* ?
part of ou- ? ! -?
believ? th. \
? af .on sb"Oid < -
a bureau of
the aeaiineea of th.
In this w? ? ?
hie infntmat BP CWaM
servVa of Ibas? sValrtag sj
an a aaa-rr
'ormatlon not Pavlg aa I
aaaeta aad cwrrent reee.f.ts.
Old Dominion Floor Co.
I etaar aLaad. Scrape J an l l inlsJsedl
-ranvisits os) rrr-.ifshmj; r4d (Lwrrs
Q. ** MY\ \l>m. Manaier
a M West Main Street.
i|i<-r ? oiiiii>
Plant I hm im im B>, <?
mill Crunk liu ?Irt-rtN.
Ih ? vtrnt of th loans .\t. ndcd to
it from various sources. Commercla 1
paper would then ln^om? the tP""t <!?
?irabie paper any bank could i>uy. s<
far as I ngni ill safety.
I believe that when ara have ? new
banking system?for we must have ??
if we are to avert another panic?ift j
Will h? p?rf"ctt? propet to have some j
arrangem- nt?ander earaful nrovl
sloka anj i aajiilnlloiia aiifiettji thei
bonk may rediscount their commercial
P?p?r with a eo-operative as ncy.
Tills would provide them arltb p t it
relief la times of stress, and would
h> lp to prevent moii.\ panics Such
i prevleien rertainly should be a part
of any measure looking to ? revision
and improvement of our present bank*
I? VIRGINIA AI
(Continued From Ftrat rage,)
and prosperity or tho eurroun-ifne
Tin- Higb Polal i.v. C) Enterprise
says the building operations in its
no.id town last rear ran a trills ov.
?nie of im* cotton mills of Lcaelr.j
N. C paid a dividend last yenr ..' ||
per c. nt. and an of the others dU ?
^.I bnalnesgj inne paying less than .
; per real I
The aril sal ngtoa ?tar keeps on
whooping an ii.iste-rn North Carolina.]
ami it baa ga -I reaaatai to. The .-tar
says v..iid not a wave or en
thnsiasBi sweel over Eastern S?rth
Carolina becauae at its being an Meal
cars producing country? After tiir. ??
years of di'immaii atlwn aaatai goeern
meal ami state aaasadeaa. the boy
? am Claha have shown its earo-agh to ;
Inaplu ns with eatharstaein con
linn oar i and Je ate in our as odea, live.
r. sources age cam affm i to take it i
calmly arhBe we ire irnine through j
an eaptilmsatal st.i?< bat are bare I
e'.erv reason la gel ??itriiise.i Wbea a
rennarster ia raalei? Carolina pro?
duces IM bush, is of corn on am eeri
of North Carolina sell '* .'ess so.
Tin- lost of ronsfrti.-t.on for erhtch
permits w.re Issued !n Charlotte la-t
car was i?timat-d at tg'l.lfdi. j
Ashevllle and its subur' !" huil? last
year ?xSda.ddd warfb of beemes of awe
kind and another.
0 rat neb or a b-iilt it ' n:"iv-nti ?
re?-.j, i, . s. COStrng 1219 ? '? ? I ?
ness buildings, i-ostinc ITdf.l&a. and
sots a i haada ti?t rn?t |?9>M
I \i I- 1 Rom tl \rc
hramsndal nHeflrt. ie>m \ti nor tiie
tt ..rid Ilona* bmaj trem II.tic
aa Its .? ?in
?V -*? ,? ,i p>*.
Rspe'*** i e i elt. .- .-.s ??? ? ?r.ada
Wt***!?'*. i ,
??ii Maa "Mdna '*?? i., ? ann
VIEWS AND NEAR VIEWS;
HINTS AND SUGGESTIONS
BY FRANK S. WOODSON,
This column is open to contributors who have something to
say of a suggestive nature, and who are willing to make hints and
suggestions looking to the better development of the good old States
of Virginia, West Virginia and North Carolina, and who can hold
their suggestions down in any one issue to from 150 to 200 words.
Such communications, addressed 10 the Industrial Editor, will re?
ceive rroinDt attention.
uned Mi-Ii \ re V. ?med.
The BUfton a. Review editOrial
Ij sdrertiaes tor 'a leader." by which
I anderstem! that town is in need
of a kit;.I of Will i.'alu.-y. The Ho
rtew pin s mi to name a AnM or ssore
cittsens of its town who have Proven
thai thej Arc prett) goo 'lendera, when
i' t-emes down to leading rbetr own
htrslAesa affairs, and it wonders wh)
?oagis on. of them dors nut take hold
of tbe Business Bfott'a Asem lotion or
tin- Chamber of Commerce, or what?
ever thej call the Clifton Forge husi
neaa organisation, and make i: do great
things for Ike town. The newspaper's
Innocence is a little amusing, ami i
?am .i-isi going to sna.tI SI to it that
the talent it is looking for is eootly
product Clifton' Forge earn get the
tnan (>>r tin- place if ll will Pay for
his services, and se cam any other
tbwn, bnl none of (ham arc going to
a. t ? i lessSbr who can bring things
10 pasa until they make up thetf
minds to pa\ foi him That is the
trooMf witii tin grade organizations
"f a majority of th-- Virginia tosrne.
Tin y da not appreciate tin- ralne of.a
leader, and tin;, expect somebody to
devote his time ami talent to the areest
work "f loa mg Jost f->t the ?lory
? .f tin thing Clor;. g. V Stale
a id Hreeesne after a while, bnl a v.
aalarj maintains brlghtnem and p-uah
ami baatle ail ti e uaae. There are a*
man Sa twenty lowna in Virginia that
cm arell aaTac la pay a |.1 man in
dollars ami not iti ?lorv to .cad thane
toons t> bettor things romasarci?>!!>'
and Indus! tally, and tat soonsr thtae
towns nalize that fact the bettet it
artn I..- far them and the whala Btate.
Clifton raren hm*t the only town tnat j
needs a Iradsi -a well paid leader.
I hr ,|.|il?- l.ruv rre I .inirnlliiD.
The seventeenth aanaal ranventsoa
? the Vir a sis Btate rfortlcnltnrnl go
? sty, a- Id I m paal a i k la Lgnjgh
hu-g. .-a- i !>? a tliir.it for th- State, it'
brongbt ton ther a beeil toe fruit
- iwera, in.., a*ha an doing a little
more, i - lean than naj ethtr cinas el
i i ? ? i eoltiv.it->' to make \ a in :.t
known to the world a aj t ? i
old Mate gunC FraaM growing for
tii. mark- :-i ..; tab wor d la a poasanin
t rely ma ladnatrj ha thai mTntr ?>;
growing .-i.it- r\--r ahsas bht asameai
afti John fi Ian led at Jameatown.
, .. a .10.
i.?*?d ?mahnten Mm at ike Mrim.
tu ss \vj v. Ami they stuck to business
l all the time they were there. Their
111.i thuds atare .juJ. Tbey had a trail
dffflned proa! am, ami the) did not for
| get to take advantage of everything
thai earns * :n.g- way, Govern meal
agents and agricultural experts were
; there to help the cause aluii^;, and the
strict*] 6uj?:nes? men who engineered
: i n program saw to it that all ot thass
agents kejt close to tht su:>j>-. , ,n
hand And spent no unnecessary time
with ho; air. The result was that ail
talks a e! ..- to tile pO.Ut SAd ad
To lie Seen in Print,
Now ..i.out these taika; Soa.c ui the
speakers -acre a little emba.ri-a.savU.
and mnywe dkl not talk <iuite as well
as the] i.ad hoped tu. and It may he
that ail ui What the} aaid was not
heard b) everybody in the cungrcgu
! tion. and if beard was not stared up.
!..-. there wan an affsstnj st- nugrapht-r
who ?as taking down every ward that
...iv said, and this stenographer's re?
port Will be ?' part of the printed pam?
phlets that will so out und'T the title
af tii. proceedings of the convention,
and the ;': u.t gioners srllli in (heir
' qnlet homes, read all about it. and
whatever ol the ipeakcis who said
something worth saying wed have an
nttenl \ ? andienen for a year to eanae.
i think printed matter of t i-i r so
det) Its biggest sen et, The printed
v"..;d goes on doing good even aft*-r
: . appearance of thS speak
bave b en tursotren.
\ I.reut I 'mil >>bow.
The fruit sheas that l?irector Clcm
sser palk I ? was perhaps the best
ai.il I. : ; of the annual gath
rhnj There amen all kinds of prens
? i.sTered for good fruit SawVwa, but
i do nat idemnecr*s constituency
eras as ma ? Intaraabsd in tue value of
.i.i..- a= t.. > were in letting
the wori.l Knew What Virginia is doina
trail gswmhasj line. one or
SSOm u' tu- olTlcuis -?f the society told
co illy that the apple shorn
: '? i- good ;Ss it had
bees at som. p"*ev!e-ns annual m'-et
ly. but it struck pnj as
as ? n. ght KOOd ?how. and if any
an - v ? ah-ad of it they
Lywewhnwn s^neerrnshwd well.
luhhnrg i i Itnelf proud In the
.- ui ? ,fi _ and fak aa ca..
rent Ion. The Kit! City aar
tinted hi not having its
? i i. i an lot the con
on. bnl :t got bnsrj and turned a
;..t of prlvi heimes into l<*m
loti la and ? one way and an
idi af ib. visitors to the
?it..ei and :>.. ngnas show com
Me l.yn**bborg is a right good
i ? t ; ? pneSnj to be a
t sn :??*. srhaa it gets its now
I the good oid Car-oil
lotjs ruttmr In the air
- ? i fa. leery is to he
ling (net by the flrtM
nown In the old
i? threatening to
it eater Riehmond
a point of view
sr o]d town, and
une In this good
?d at T-vnehhii: g
DAVID T. WILLIAMS
CIVIL ENGINEER AND SURVEYOR
29* National Rank of \lrginta Ri<il?lmR.
Phon. V- n.rv, >|v HU limond. Virginia.
. ? i ?? I -rinMrr*. >f>?*?' irt' a' nan*, and StaparvntaMi of Con
??? ?? Kaii*4-. -. K .1 ' . ?nrl Strm Paving.
I ?nd Nilnjiaini an la v-ii'lr-i TirnScr and Nf:-??t-ial 1-annV and*
?' .'v, and UlrvHofn..' rhi-. Kral F-tale.
last VNk that Staunton and thd
legions near by arc almost as promt
of thiir apple growing propensities as
Lhi town has appeared to be of its
capacity to "?burn" President?.
"Borning'" Presidents may be en?
tirely accidental and the result of
!..;? (trowing apples that beat the
world is a science worthy t!:e atten?
tion of the best of minds. Winchester
and Harr Isenburg and the co :ijlies af
which they are the ?apitais and Alba*
merle County did n?'t ask any odds of
KtanntOO at the log apple show in
I.;, m-hhnrg last WOeh. Presidents were
not on exhl :tion. ap:>!es were.
THE HOIflE GARDEN
IHE YEAR AROUND
(Continued From 1'irst Page.)
making repeated trips to the station,
and ihst in all weathers.
In either case, a very ha.l arrange.
ment for the average farmer.
le?S of (.round Well THlSfk
T<> the unittnted It would be ? ariftt
I .i prise to know just what co ;?d be
raised on one acre of highly improved
Virginia soft by following a fvtdiclnna
method of cultivation and r- tation as
the season Bdl ant ed. Th- writer has
in mind a garden in T'dewater Vir?
ginia, leag than an acre In extent.
This plot of ground is rich, properly
cultiTntl i. 7>lowed deep urA ".veil ma
nttred each winter, gotten in fine or
der each sprint, w-itn a disc harrow or
cultivator. Ail the v..-etables adapted
to our climate (and they are too nu?
merous to mentloru are raised: he
Bkten, there are c.r-ants. cultivated
td.o ki.e-t ri. s. gooseberries, grapes, tins
and pears. In one horrter beautiful
roses, alons with other flowers, are
at an and then is also a Bcopner
ii' na vine of :.. dimensions.
There is nothing fancy about the i
working of Ik's port'cnkar plot et I
gronnd -Jnal plain ssethode, plenty of
good Well-rottod manure, goo.l, jeep |
plowing of it msder, then w hen the i
seeding tim< ?onus a eniefn] prepara?
tion o- tio- soil After this thorough
eultivntlon the results are an abund
atoe of rege tables for the famliy. also
many gUi *ts. thlOUdhOUl trie year, and
.11 -orison a fine supply of fruit.
I osl of i, iirdi i-1 aa?
lt is an ?-rr->nco:;. king to suppose
that t!:e woikina of a a rd. :i 1- a very
contly yopoaltion. i understand from
the owner that all Ike expenses inci?
dent f the working of the aard. n just
mentioned ?oni.i not txcaed J7? per
annum. Thli sans Incfndea everything.
The yield of fruit and vegetables are
worth a* lea?" twice that sum. lie
rtdCS the great pleas |i? the owrer
and his famip i or alway* enjev mgj
fresh "garden sass."
Th< re are no doubt hundreds of gar?
dens of this kind in our rnu< h favored j
State; there is room | or many hun-I
dreds more We hav. the . lirr.ate and I
the pall The snecewj fnj farmer is nil j
the more s n-cessfill. In the brWndeOt J
? : s-. if he supplies his family with
Some giowe vcgetnblcs ami fru'ts.
J. ht liKU.
Winter Trips "By Sea"
\ORI OI K TU
BOSTON AM? I'KOt ingNCX.
? - ? n k to Boston dally, evepf
Tri.rw!?> t.. i'rovid. n.e, 'Monday Thjra
day and Saturday. * P. M. *Fr#-sht only
? keW en sale to primipe. poiata
Plat >:?am. rs. aSMStssM service, iow .'arm
Wir?!, ss tcktgrapb. Seng for booklet. I
App > i * Ry a W Ry . ?. H. '
Bowman. \"o TOt K Main Street, and Rlck
aioad T-snster 'otrpsnr Ni C stale St.
oij? domimo* im
I.* r <- v.mond foot *r Ash St. daiiy * SS f at
.???? Newport News.i s A St
Arriw .v >rts*a. .?St a, M.
setts with maia lire steamers ?a?lna
Nor'olk tor n*W Turk Sally. <?'rpt hjnday.
*.0) P at Connectiont aiso mod* br it. t
m Bl I P M and C a O Rr ai I T at
?' ? la* steam*rs stop at Clartmoat le
? paasenae-s on tifnal. and wtlj
VIRi.lMt Nttll.tTION co tgffecttee
atsr-h .: '?m.? River ky ds> teM far
- and <'d Point. Ni-wport N?ws and
a' Ja-nra Rixe. imdlngs ?''?ni?t '.ravaa
Moti4o and Friday at ? W a.
V V s. .1 *d (er Sil ?m?? m**r
~%r.r. wn. ?o?w*t
Abotjt peraonslle eondur'ed rruises to,
?"uba. Jama'- a, Panama. West Indie*
ar.d Bermuda, tannery i. n. it. it. fn.
2; and :l. February l. s. and It,
Vt h i!. :: and ?? gpeclal Indue
men'* for January i ?. and 1? Call
for illustrated p'"ir?tn?
? M H??W M ?%.
|nd? - o-u i?t tge- L
ran S'jist We In ?tree?. ftiekaaeod. t a.
rtakst* aai neve?sis ?an omaat SA I ?
*W* r- Mr ?mm wibiasiea esadi af wwmw*.
wfarr smgD nmd Manama
The Bank and Business
The bank is no longer t on-id- red as ? mere depository for
surplus funds--it offers a service indispensible to the house
using twentieth century buaincsi methods. There are different
kinds of banking service, however, and VC would like to tell
Richmond's Strictly Commercial Bank
Ihm to offer you. An interview with our officers would be mu
tuallv bent final.
Planters National Bank
OF RICHMOND, VIRGINIA.
Capital . $500.000.00
Surplus und Profits .$1,450,000.00
"The Home for Savings"
Set apart a sperrte amount of your sa'ary each week and
deport it in this STRONG, PROGRESSIVE utd CONSERVA
Tl\ E bank. It's a habit easiiy acquired, and \ou'|| be sur?
prised how quickly your balance will grow, We pa) .? per cent
interest per annum compounded semi-annually on savings
Start the habit thC week by Opening an account with
The Central National Bank
Richmond & Petersburg Electric Railway
?-Ar? leave U?iii.ti?i:er. Scvruib tod .??rr>
.* i .- f .. rabura:
??. 7. S. *1. 10. i . 'ii A at.. 1. t ??? 4, %
** M P. at. ?
11*1 K M. IM <_trlt?r. U 90 m.dr..?ht fur
l*i ' rtburg,
CSJW .*a?e P?UH>H. foot of Sjcamort
fti fi. tor Manchester:
ti li. <.?. ??t.j. ?i s i?. i i. *:o ?. UM]
A M ; 11.? Ji. I ?. J Ii. ?4?. i:J5, ? kv
I .: ? ? 46. ;: 4* p M
IDel f?Ex. tiund:.>s ar.J to.><?t
?Carrl ? ? ?gsaie ?cd eaTMaaa,
**L;murd ? i.x>.?j>r r'unda)'* and holidays.
All cars from BBtefaByta; connect an: a
cart tor ji. ..Vroad
Tlmr of arr.va' and drpartura and cor>
C. B. CAMPBELL. D. P a. 91 Halo St.
on ::? ? ni r^arantrrd
III. hmuul aast r t"??l'?*ir B4W R.r Ca
?eheduio of Electric Tr.'.aa. ?Cacf!-*e Mi!
(D 1S1Z Lmvi Richmond. laMfM and Broae
Btreeta: o ??.?? a. it. ?7 i) a. m A.
at . ? a. at . ??:<> 14 A. at . il a. at . 1:0
? it 10 K tt t-jm 9 5d . 64 10 P. At. %:M
p. il. 6 .jo r. at. f at. m II K at.
It:!* r M . 11:41 l*. At. Leave aaat end. . ?
? nd ari'i M?i, - Btreeca: ?-.?. a at., a Teal a
at.. ? A M.. tA.M a at . '.O As A. at . ?UM
A. M . H)M BL. ??1:6 P at . Z:et I'. It, J X
r M.4 00 1- M. K? I. H. IKK K . ia
P. at . t.M P at . tt * P. 11.. P. at
?Uai.y ?xctpt r.aui/. "ti.Mj BBBJIi
RiclimcEi.nGacrk^]}1?: & Poteinac E, R.
TO AND FROM WASHINGTON HHP BEYOND.
?i.20 A.tl. Bjrd It, Ma.
'i.AOA.B. Bain"'- >ta
?7.1? 4.B. B;rd N. vt*
?;.it) UL Hala ?*. Sta
m%M} ; L Bwdst.lu.
?? (3A.M. Rt ri st. -t?.
?9..'-) A. ?- H?ln St. Sta
?Itf.nl nnooBrrtt St. lU
rt.00 P.?.Bfr< Sr. ?it?.
t.aO P.W Brrd S? Sta
??.15 P.ft tiki MatleeJ
?A.liP H Bali ?1. Sta
?n.fOP.*. Brr4 St. >:i
?7.A0 A TI FIiMm-Sib.
I A.T. fclka Station
Y\\Jm% 4 31. Bj r? M.sta.
'It.AC Y.*. BJaBaSt. ?ta
?aVJC PI. Bjtd'?i.?>t*
?? V. P.M. Bjrd -I. s?:..
?7.19 P B. ??ir. ?t.?-i.
*7A5 P.S. tdlfct-SM
?B.50P. ?? Bfrfitt Sta.
11.11 P.B. BafctBCHti
11 At nlcat F?rdsi s.a
l*.M> Blah I BalnM.xta.
ACCOallllODATlOV TRAINS WcEKOAYS.
l,fSTe Bird St. sta. i.00 P. a for Trederlc??harc
Uate Klba Sta. 7J? A.B..? JO P. 1. far Airland
Arrlff Btrd aB.Baa.BJI A.t. fraai I r?d?rlc??b*c.
Arrlrr- Elba sta6 ?! UL.AAt P.'.fram 4>hl2nd.
'Daily. tWeakdays. ? Sucdsys oaly.
Ali tri as to cr frcrr. Byrd Straet Station
?tap at Elba. Time of arr.vais aad departurs*
aat eearaatwd. Road taa ?ifa?.
WH IM iri? mi: list
Southbound trains ?cS.rtjle.t |aj leave Jt rh
mend datl> ? ?*> A M -lao1 to " ll!!??
I 4je r. 3d -f >?prri and aaaaHkaa. Atlanta.
Blrmlnrtiam. s.ii.?n-ah. Ja ? ajasan tile | 7:* 1
I- M - Limited ttM .\ X. -ate
cnach?s. Jacksnntllle. 11 z. f>. ? mil
era and ? ?> hes. Atlanta. Birmincha
Mempbi.. Barthaaaad irataa ? ? . . ? t
arri\- la Iti'hrr.ond dal'y. 7:a? A ft., i
A ft.. Bits .v Jd. Ml r. Jd. S:dj p.
CRUISE by the
S. S. CLEVELAND
(IT.fOO TO BS?
Lea Fing San Francisco Feb. 6
a^aMBBt ???>?? "^tlas b*d Oaalllaa ? a
p. .. ~ s4aaai?t p 4?*bV?i arrraa a* 7"?r
awfal Beery tniiry ??* isaatWrt ta? irsdL
../-inatar as ?t?f7 asiaaaaa aBaat Bad
s '. -3 ? ??'^ r
?aaaarw at H tetter*****,
aataar (VeaBta a* faf irr*1 fedBjs ead
Pa?fa tn?a>a* , _
Write far tllaa'rated Kix?Mei
tart Mala aHraet, JUcMaeea* Ti
E. A. BARBER J, r
Certi?ral p.ilill.- \rroun-???,
E. A. BARBER & CO.
accoi mix.. *i DrnxtAj
OetOAMl ?!>'.. si ! >r\ H/nG,
Stl 11 ii t na i llridillns,
Vhnne 'la.I S3M. Mr has and. \ a.
Branch, Cabell &Co
IUI B Main St.
Ph-r? No 43.
Mernhers New T>.rk Ma k Er-r.a-a;a
ar.3 Chi aaro Board of Trade,
CHARLES F. HUDNALL
AI DITING. M ?JOI NT1NG,
I ITSTEM ATIZINC
W9 Traveler s Bids'.. Richmond, Va,
Chesapeake & Ohio Railway
t.? A.-Local-Da.;je--Newport .Saw*
aV aVsaoj -Daily?en vii,?. au. Eta.
'?> v. ., _ k?pnasr?PHy?WSissifc. oid Potat.
ris ?) A- i.a a.-i>?i . i.'rib?.. Lea-, c. Ferae.
?U ? i j .- ? i ee-Daily?ISsefs a. O'd Ft.
?j y. -icxprras-Daliy-Cln.. L'vllle.
... Li. % -Ncrro.lt St Neva
I.M p.-au>ca.-l>ai;>-X. New* Old Poiat.
( '?!'- L" ii -Ei Sun -Oord'.r.svl:;*. ,
l:li P-UrC-El "ue ? Lyn? bburs
?4:?? P -L.mit.d-Ds: y ?' mrla'.i. C.rlcaarx
?;l Cs? F -Exp.-<-??? Dai > - Cincinnati, Lti;.b.
?s e?p<-r? tFartee raji
TBL* IMS ajutiva !?:? tiMovn-Lncai froaa
Last. ?.*? A. m . 7 ? I' at Throurh froni
Can i! .10 a M . : . F M . ? * P at Local
: STeM ?so a. at. ~?.? a at., and
7 a!' M Throueb: 1 JS A M_. 11 H a> ML.
? r.d ) !? P at.
Jrm-a Riv. r Line ?** :ss a at.. T:l* P at
i hl.Mu.i: i AHLIlR OF THE tOUTBL
Trains Lea?? Richmond.
7t. B - Foi.owins a>-hrdu:* Saures pubilso
id as mfcrnia: in ar.d n>t s araotred:
For the Ps.-y 4 !?) \ at Local
W S. A V. E.preaa. ?:? F. St Sinraae,
vita r.ertrU .la-h:ed 5.repine Care BWJ Af
Raste and Blrm.nebam Ii 41 T. At. i.ij,rcae,
AtI> Da;* WS F at Local.
TORK RIVER LINE.
4M r. at.-De4lr-'"-)BBectlae far Ba'tU
Dior. Mob. Wed sad Friday ?.?S A. M ?Ea
|u> ana tdi V. M M?n w ed. sad Friday ?
Traltie Arrrtre r'-'im^nd
From the South ?:ie a. M and ' 4C A BT.
I ?S F M ? C? P M dal.r. '?' K C< Sun.
From W*?t Po.at ?.? A. M da: y. A.
at, Moa. Wed. and Frt . 43 F. M Ex. Sub.
a. * CURitaVc. D F. a..
ar a. atata at. Pen?? at' ? mm m
Atlantic Coast Line
the IBaWSSWd Railroad nt the <k.*j|h.
KPFE" TiVfc JANl'ART 4. ISIS.
TR.? V- '? iflXliKO 'lAll.T.
Fer I ? ' is r ? Sooth ? R A. at and
? x. i* m . > a? i' m . u at a. at
For NVr.o.k SWA Bf . IS? F. at. IN F.
For N- S W Ry West 4 IS a. BL. > at A.
M . i at p m . * a F at
For I'e-ershura BS I at . 4 ? SV m.
Ids a m pas a at t u a. m . .at p aj.
I n.isr v. is p a. is r. a.
For Oo.aaeoro >ed FaretSeotlie: *4:at F BL
TlSSaa as re Richmond dal.r (SA M.
fas A m ? m \ m . ? ? a m . *? r a M .
i )l Iis ( II T?r ?."!?
I- m . ??? r x * * r at. * a? p. aj. > ?s
r at. nap ?
?j.. ? r- saaaaaaj **aaodar eaiy._
Norfolk & Western Railway
ONLY ALL RAIL (.INC T>> MORFOLK.
S'. Bedai? MB EF?t t i.mher JS. ISU
Lsas I Byrd Str. t Statin, Riebm.Dd. FOS)
KORFUT.K ISU. SI.. IS I' M. '? 1? P.
for t ?v.-TtanrRo < wr? ttik wrar ?4 s)
at - >m.*:nPMa?aiFat
arriw RL tasee? fr?SB Kerfolk 11 41 4L
p. ? ?imp at Trim tfee ?*?ss<
et a m ?. ii P a. aaret F at. as p.
?Uoi'S aMfp ?? Sanaaa*. SSaadair oatp.
. B RfM nX. Faaa Traf Mr*
r SAr^srsia. o. p. a. ft^n?s>?. va?