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81.00 a Year in Advanci. We are here to help Clay City, tie Surrooniing Country and Ourselves. .!. E. Hurghcr, Publisher.
VOL. XVII. . CLAY CITY. KT., THURSDAY, SEPTEMBER 26, NO. : ').
To Sto.i OverS.sfts on Cr.i.k.
The Comptroller of the Cur
rency tins decided to take vigor
ous steps looking toward the
breaking up of the practice pur
sued by bankers of permitting
their depositors to make over
drafts. He-hjis instructed the
Bnnk Examiners to warn the
bankers in their respective juris
dictions that this practice must
be discontinued at once. The at
tention of bankers is to be called
to the following decision of the
United States Supreme Court:
UA usage to allow customers
to overdrnw and to have their
check and notes charged up with
out present funds in the bank,
stripped .of all technical disguise,
the usage and practice thus at
tempted to be sanctioned is a' u
sage and practice to misapply the
funds of the bank and to con
vince at the withdrawal of the
same without any security in fa
vor of certain privileged per
sons. Such a usage and practice
is surely a manifest departure
from the duty, both of the direc
tors and Cashier, as cannot re
ceive any countenance in a Court
of justice. It would not be sup
ported by any vote of the Direc
tors, however formal, and, there
fore, whenever done by the Cash
ier it is at his own peril and up
on the responsibility of himself
and his sureties. It is anything
but well and truly executing his
duties as Cashier."
To Construct Sample Roads.
Object lessons in. rood roads
will .be furnished the school
children of Kentucky by Com
missioner of Road 8 R. 0. Terrell
at the suggestion!) of Mrs. Cora
Wilson Stewart, superintendent
of Rowan county. Commission
er Terrell has announced that up
on request of any school district
he will have constructed fifty feet
model roadway under the super
vision of an engineer of the de
partment in front of the school
house for the purpose of instruc
tion aid demonstrating the
method and result to the pupils.
Iiii.urin:s r.ztc Lw d.
After several mnntliR of work
investigating rales in i!'r
States, and con'er.ing wiih in
surance companies, the State In
surance Board of Raring, as it s
usually called, has piomiilg.ned
its schedule of rates oZ .fire 'in
surance ou farm property in gen
eral and upon dwellings and their
contents in cities and ton us. The
board hns irdiced '.lie ;.itu
on aft average of about 2'C l u
cent. Ruby Laffoon, the chaiiuiiin of
the board, says the now r..e:,
will result in a saving of $:.;0,0w0
a year to property iwihip, yet
fhe rates as promulgated are not
as low as the rates upon !u- s ime
classes of property in Ohio, Mis
souri, Illinois and many other
States, but statistics show that
the ratio of loss in fueome has
been greater in Kentucky than in
many of the other States. He
said the board confidently believ
ed the reduction in rates would
stimulate the insurance compan
ies in an effort to reduce the lire
waste, and would make them es
pecially careful regarding over
insurance. The companies have thirty
days in which, to decide whether
they will abide by the provisions
of the new rating, or whether
they will withdraw their agencies
from the State. In the latter
event, insurance iiieu bel'tve m '
a Bpecial session of- the -Legislature
would be called to repeal
Robert Bli'ckhurn and S. D.
Hull, both of Stanton, have each
purchased new aiiiomobp is n'd
brought them through from Lou
ihville. These are the first auto
mobiles that have ever been
bought by any o" oc v " -.
Itpfm-m like clinritv should be-
gin at home.
New Spring Millinery
Juft received from th city which' combines
the newest styles and lowest piices.
SHOES AT FIRST COST.
$500 worth of Shoes have been marked down to
firft coft in order to get room for new goods '
coming in. In this sale will also be included tot of
HATS and CAPS.
Here's your opportunity to save some
money. First come, first served.
! dl:d In W'ii2to.i t.-le.
A telegram was received by
'je Curtises here Wednesday
loiii, from Jess Allen at Walla
Walla, Washington, that Am bios
Cunis was killed in a relay race
Ci t'ir.t place Tiiisday afternoon,
o details were -given. No jmi
uoa 'cements can be made ns to
Ambros was in the race hot e
L. sines for a number of ycuis,
AlcJern Meth 3 f F-nnMis.
By the co-operation of the U
nited States Government and the
and the State of Kentucky, thru
the College of Am'ciilture of the
State University, plans have been
perfected by which a system of
instruction in agric.ilture can be
I :.. i i. i
e-iiauiisueu in uuuu liming mm
the farmers be taught modern
methods without leaving the'r
own homes. Indeed the e:;pc.'
meuts and demonstrations will
n .id hail won fame ns si rel.w
rider. This year: he had ,woNte made on the farms themselves
s.ri gs, and the cad accident on
.lie track Tuesday brought un
timely death. two Buttes, Colo.
Mr. Cuitisisa ria.ive of Eni'l
coiiiiy and an old school mate o?
the editor of tljie paper. IPs
many friends here will rc.el to
learn of his untimely dei'lli.
Insurfident Means ot Handling Crop..
It is expertly calculated thai
the bumper crops show an excels
over the average yield of 21 per
cent ; at going Cereal prices this
vepicseuti; $44O,OQO,0CO as the i--mount
of excees"wealth created
by bju.itiful Vrf3 this year.
With the announcement as a
nie&ns of marriogljlie prosperity
cni.03 dojbt uf Jije capacity of
the i-tiilroads ta'-itr'anspoit t!ie
crops and greater jdoui)t of the
capacity of the:-Slinks to finance
the crop niovejpjejht. It is the
old question of ffjjidfective bank
ing .system JLw? ?8 Woa.coUer,
the 6train of prdspeKt-y.
A flattering report? on the con
d" 'o i of the national banks in
Kentucky, showing Jgains in de-i.o-j'ie
r id resources which index
prosperity, was made Wednesday
by the Comptroller of the Cur
rency, Lawrence O., Murray.
The icport shows the condition
of the national banks of Kentucky
under the call of September 4th,
1012, as compared with their con
dit.:x,i under the callof September
1st, 1011. The comparison as to
principal items is as follows:
1012 Loans and discounts
$47,788,251.58; individual depos
its, $41,141,221.44; total resourc
1011 Loans and discounts $41,
000,020.08; individual deposits,
$80,802,840.18; total resources,
Change In Pastors.
Elder D. II. Matherly has re
signed the care of the Christian
church in this city, and will re
sume his studies in the Bible
school. Elder Elmer Winkler of
Estill county, will serve the
church as pastor in the future.
Bro. Winkler assisted Bro. Math
erly iu a protracted meeting with
the church some weeks ago and
during this time greatly endear
ed himself to the membership
ou .(he account of his earnest
talkVund zealous preaching.
A Profitable Investment.
A fe,W years ago, Joseph Gar
rett, ot Woodford county, bought
so in ev I and at Old Furnace and
set out more than ope thousand
apple trees, besides a lot of oth
er fruit. The peach crop this
vear was large and the apple crop
is also a heavy one. Mr. Garrett
'died two years 'ago, but his wtd
tow is looking after ' the orchard
'and is making good money out
and the farmer can thus have the
problems of advantage and in
terest to him worked out upon
his own place, and to the im
provement of his own property.
It is thought that by far the
most effective method of improv
ing agricultural conditions in
Kentucky will be by thus bring
ing the instruction to Hie farm
er's own door, instead of by
means of lectures at spocirl
points and through communica
tions by mails, which have been
the only method heretofore em
ployed. It is sought to put tlie system
of agricultural instruction prac
tically on the basis of the pres
ent public school system, and
each county can have an a;jiic.i!
tural instructor who wiM devote
his attention exclusively to that
county, and each group of twelve
counties will have a supervisor
to whom the instructors report
and the.supervisor8 will in. torn
report through one of the three
main divisions into which the
work has been divided to the di
rector of agricultural extension
at the College of Agriculture at
the State University.
Prof. Fred Mutchler, of Cowl
ing Green, will have change o
one of hn t'i.ee dlvU'o" ,
other experts will be chosen soon
to direct thewokof lite o.hcir
two div'slo, s. I'y i'.-e p'. i ' 'writ
has been perfected piiv co nty
whick will raise a compiv; i'va'p
small share of the e.'pe.ise vill
be fur.rshed wit'i an 'ust
and have n'l a'Aw a'Hv it-
the system, the ag ic'
tension diuVnn sipp!yi , tJv
' J'x.r.!." (.i'!iom c o ':
fund provided by the Strle p. VI
and National Governmeo v. 'lie
amot nt reqi iicd from V.,n co -ties
is so smali il'otit isbc,;ev-l
that a'l of .lien. w. I (a : dr -tage
of the system as toon a t
opportunity becomes knowo, r A
already Madisfin and Hemic i
counties have been placed ii n
Rtal Esi?te S.-l
The Progressive Kj' F 11 p
Co., of Winchertpr, wi1' v d '-:
a big lind and lot sale at Win
chester next Tl'ifP'lay, Oc ober
3rd. Wiaclicler rii-ine--grow
by leaps and bo i d" il
th's lot rale :s only in I c. ; ' i
w:th the ), fg D 'vi' f I J c ' ' -i
hiisfl'ii.' city. If anv of our cit
izens are t'-iok-g n buying 'n!s
in the Ga'ewv cil v !t w'M i",v
them to attend tliis ?a'e nest
An early frost is predicted and
this cool weather makes ns cive
some credence to the predict 'on.
Iu fact. some are claiming to lmve
already seen some frost.
Pi,: lV ci.urc:;.
Service 2nd and
p,..Vp- !()"., VodtK
ings. Chas. E. Mann, Pastor.
We carry a full line of General Merchandise and
are selling the goods to our large trade
and they tell us they are
You can do the enino thing. If you arc not
alreudy one of our many pleased customers,
come round rome day and give our plueo a
look through and let us price you unnio of nur
goods.They willopen youreyegtoan opportunity.
Send Us Your Orders
over telephone, by"" messenger or otherwise and if you live.
in Clay City or near our store we will "deliver ihegood'1