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COTTON MARKET HAS
TENDENCY TO DRAG Scattered Liquidation and Short Selling Feature of Week?What the Ginnirig Statement Shows?As to the Crop Report. Neiv Vork, Novcmb Ilqutdatton antl fresli bcnrisli spoculatora feature of tlu. markei hn. Thi in connei t loi moderate demi t<>n, than iii.' buying to gl\ tendency throi result of all i i ho heat ler ino been to cause i Ilm of about muni flucluatlc closlng to the in the depri .-. luced si wlth tln iinl for ncral gglnlc Tho wllh I, ll.'l.'i show ;i tle iii tlii! maxl turday's i i, rela reached Thursday nnd n the December as 1 j.23, wlitle March 11.31, and ?f tb.. :;.. point ia from last lowest li w early yesterday. optlon went as .lanuarj sold at May 11.44. Tliese are the lowest prlcos wlthln l to 16 points reached slnco -.oyembor 1, and aro ofE about 80 polnta irom the highest prices reached last raonth. when December went to nearly is cents, and January sold at 15.01, Marcli about 15.1' nn current fc this date ot very spoculatlo ried price imkI . ;' l>i May 15.21. Present prlco! IG io 60 polnts below those the general optlon llst on year ago, when a perlori tlvo l'ii\ Ing and bulllsb was Betting ln. and car up to l.'. cents beforo tlie i.imiiaii It ? ii of the o ed Statea Cc innounccd at inornlng, Bhi s of tho ero 1 I. As this rport*. of the coropara mand and tbe short Boillng ln s boen lu nntlci 1 report of tlio ue to Motl 00,000 2111 ? Iiun I'ClOC ab N'c bi ber 14. As this would compare wlth 8,112,199 bales glnned to tho Batne date last season, when tho actual yleld turned out to bo 10,386,000 bales, and 9,595,809 glnned to tho same date ln ll'iiS, when tho actual erop produi-cd ivas 13.432,000 bales, thc antlclpated flgures have been regarded as favor ing crop estlmates on thls year's total yleld of over 12.000.000 bales. More over. lf the amount of cotton glnned should prove to bc as largo as 9,000, ono bales to November 11, It would show tho largest gtnninpr "ii record for tlie period from November 1 to the 14th by approxtmattng a total for the fourtcen days lneluding Sundays of over 1.660,000 bales. From November 1 to tbc 14th last year tho total srlnno.l was 1,094,360 bales. agalnst Liot.ooo during the samo period ln 190s, and 1,655,000 during the same time In 1906. WHEAT IS WEAKER ? AFTER AN ADVANCE Strong Support by Professionals, Light Primary Receipts and Dry Weather the Chief In fluences?Smaller Argentine Surplus. New York, November 20.?Buoynncy governed domestlc wheat markets early ln the week, bul there were numerous rccessions later, and tlnaliy there oc? curred a sharp decllne. Nevertheless. there was a decldedly more cheerful and I'oniidcnt feellng, virtually al) dealers agreeing that a more healthy state of affalrs prevalled. ?t seemed evldent that there had oeen a redical change in sentlment among cash deal? ers as well as speculators, and appar? ently more normal conditions doml nated the situation. ln some quarters this change was attributed largely to the steady diminution in the move? ment from tne Interlor, cspec'aily in the Northwest, whlch conflrmed recent reports that many farmers wero refus ing to accept current bids. Moreover, ndvices from numerous sources in tho West suggested that many farmers had parted with 'th'e- bidk of their surplus, and hence-.H >w;ts supposed that more than half bf the crop had already been marketed. Jn view of thls. aiid the further fact that w.ll-to-do farmers were holding at much higher figures, lt wa:-. the general Impresslon tliat thn time was rapidly approachlng when thc vislble supply would begln to dlniln lsh, and especially as tho recent in creases ivere largely brought about by accumulations of wheat at Atlantlc ports awaitbig shlpment. tnitla] strength waa lurgely ln sym? pathy with higher advlces from thu' Northwest, and particularly from Chl- j cago, where December advanced ln ,i conspicuous manner, which seeniingly j corroborated recent reports tliat two or more .large profess ionals in that j market had been accumulatlng a largo i long interest Buying was stimulated by continued complaints of drought in ] the Southwest, where the plant Ib said ' to have an unhealthy appearance These factors were off set partly by dis couraging cablea from United Kingdbm markets, which were Inntionced by the heavy world's shipments, ivhlch <-m braced another bug,- contrlbutiori fro.n Russla, over 8,000,000 bushels, whloh] brought about a falrlj in the quantity on passage. These fac tors wer--- in turn partly offset by coin paratively strong French mark<_t? which wero caused by reports that part of the whe-at recently roeelvo. ln HaVn had been Injured, tlu- scarclty of .-tor.-if..- an.l tatlon facllit! 'Wlll'. k'ets was oh. k.d poctedly largo ln< supplyf but thls -,\ the accumulatlon as prevlously nientl tho buoyancy was traceable to a stronger tendency ln Europoah mar? ket... an.i particularly Uverpoo] and Parls, th.- latter market belng Influ enced by too much raln <n France, wulio Ivlverpool ivas affected by t::. droughi ln Southern Argontlna. Lovrcr 1'ricrH Later iu Weok, ln thc last half of the week prices -luetuat.d in un erratic fashion. Thero was a further temporary rl.-e. but af? terwards the trend was downward, nearly all of tlu* early Improvoment being lost. The waverlng course of lh. rnarket was without partlculai slgnlflcanco aa .?> rule, belng in the maln traceable to specujatjve Inllu .nceu. Tradera w< re of tiie onliilon ?"?-tbat big professionula bud Buco'eeded ln drlvlng sborta to cover, aml as BOon aa tliis demand was satlHtieU tlie mar? ket qulckly fell back. Nervouaneaa among shorts was atljl | attributed to tlie dry weather Weat, Bmall prlmary r.C.lptB, fair!.*, blg shiji mentf into con_umptlve channels, and uriforta'inty ai to tbe probable <?>? portabla BurplUB in Argcinlna. i'n fivbrablo weathor'lh that country has dOUl'"esn oniisrd ,i|.t(-rlorai lon and im- ' whlch wns the largest glnnlng period. from thla antlclpated showing In tlio comlng glnnlng report, benrs thlnk thero Is reason for adherlng to crop estlmates of over 12,000,000 bales. Thls, of colirso, however, ls on tho assump? tlon tho present rate of glnnlng will bo continued. M Is qutte llkely the glnnlng will contlnue large untll thc next Census Hiircau'.i report ls coinplled to Decem ber 1. But after thnt dato the absenco ..1 any top crop of Importance ls qull? llkely to causo the present very fa vorablo comparlsona with prevlous years to go the othor way, and thua agaln lead to thc modilicatton of crop ideas to more conservatlvc vlews re gardlng the total yleld. Present crop estlmates range nll thc way froiu 10,700,. bales to Ihe extrcmo esti mutcs of 13,000,000 bales, wlth the con B( nsua of opinion ln tho most impor t au trado' clrcles hero und ln tlio South aml at Llverpool favorlng a crop of 11,500,030 bales, excluslve of llnters. It ls tbls wlde dlvergence of opinlons on thc crop which ls causlng tho pres? ent iriegularlty and unsettloment ln the market. Soveniment'fl Annual Crop Entlmatc, . The government's nnnunl estlmate on the slze of the crop wlll be ren? dered by ile Agrlcultural Bureau on i December 9. Last yoar Its forecast I came quite close to the total yleld. li is generally close ln Its estlmates when | thc yleld Ia small, bitt conslderably out . of" line ln attemptlng to forecast the yleld when tho crop ls large and the prospects are favorable for a blg top crop irom late kllllng frost and a line, ... n wlnter for gathering the same. i'.'.i. year there haa been little or no top crop ln Texas or Oklahoma, and j l.ho trcezo tlie lasl part of October und j early ln November, whlch covered near? ly all thc belt, comlng on a crop much earlier than tho average date of klll [hg Host. ls conceded by tho most care? ful crop Investlgators and exports to have kllled whatever chances thero were ln that section of tho belt for producing any further yleld. Tliese conslderatlons should be a blg factor wlth the crop-estimatlng board of thc Agrlcultural Bureau In rendcr Ing an estlmate on the total yleld ln Ita annu-il crop estlmate noxt month. Under the clrcumstnnces the report Wlll be very Important. and naturally it wlll be awalted wlth great Interest by the cotton trade throughout the worl I, aa well as on the locnl cx changes and In Wall Street and the flnanclal dlstrict and dry goods cen? tres. mcrous confllctlng reports have been received as to tlie probable yield. Judg? ing by many prlvate cablea received. MOVEMENT TO BULL DECEMBER OPTION New Orleans, La., November 20.?The cotton trado ls now entering upon a perlod in whlch it wlll think and talk about little else than crop estimates. The one big estlmato of the year, tliat of the government on the total crop, ls not far off, Its date of publlcatlon be? lng December !', and this week mate? rlal for thls estlmate wlll be ln activo ireparatlon all over the cotton belt I'he report that the trade wlll llsten .6 the ilrst thing Monday mornlng wlli .(? next jto tho last glnners' report be :ore th'e government's estimate, and is :herefore regarded as very important. ?specially slnce the glnners' report to ollow will probably bo Issued on the same day as tho estimate, as has been lic custom for some years, leaving'tlio rade but little tlmo tp digest it and ise it In fresh calculattons coneernlng lie tota! yield. Thc weather of this week will be inxlously watched, for tbe weather wlll .affect the gatherlng of the rem lants of the crop. and consequently the glnning. Favorable weather would probably lend to largo estimates of ;be total amount ginned, whlch ln turn would encourage those who believe in i largo crop to stlck to their (igures. Thursday wlll be a hollday on this side of thc water. ancl on Friday the Sensufj Bureau wlll issue a report on the supply and distribution of cotton up to October 31. As a rule these re ports on supply and distribution do not EFFORTS TO INCITE INTEREST FAILURES ? New York. Novemlier 20.?The lapse of the stock market into letharglc condltlons last week marked tlie stute of doubt or lndlfferonce of tlie specula. tlon. organizod efforts to Inclte in? terest arid activity met only with sus plclon and charges of manlpulat on, Thore were factors In thc sltuatlon whlch affordod some assistance lo thu advocatos ot a rlse In prices, but tho larger question of capital supplles and the desirability of aftording tlnie tm the worklng out (Nf t!ie banking p.mi tlon overBhadowed other issues. 'I'1 ?, more immediate money smiation galm tl In oase i.oth horo an.l abroad. 'i'.. Bank oi England showed the ben . tit of the rocuperatlvo measuros which liave been in forco foi- several weeks in !:.? large additlon to hutiion hoid '?::::?. and ' ?'. ? downward tendency of tlie private dlscount rate was belleved to herald a reductlon ln the hank's offlolal rate. The Bank of France con tlniiou to romlt to Rgypl ln relief of tli.- requlrementa on the Bank of rong laml. it !;. belleved that llnance bllls ? t New i'ork ' anknrs were flndlng ac . optanco in Parls as well, and cprro. sponding : <-iu r ot domandi for credlt OPKN AN AC 1UNT WITH The Union Rank of Richmond 1107 KAST MAIN BTRBBT. J1.00 MAKBS A STAltT. _) PI?R CKNT. 1NTKUK.ST. And Upword is tho condition of our large and constantly Sncreas ing business?tho result of meri -orious Optical serviee and build? ing of Everything GOOD FOR THE EYES Prescription Work Our Specialty. The s- G A L ES IC S ?pf,cai c? MAIN AND EIGHTH BROAD AND -AND THIRD Kodak Headquarters ? t is nssumed that the surplus may be letwecn 00,000,000 and mo,000,000 lushels, whlch Is approxlmately 30, 100,000 to 10,000.000 bushels less than iredicted at tlio beginning of thc ieason. Notwlthstandlng tho facts do ?crlbcd, European lmportera do not leetn to bo at all uneasy, In spite ot tho absence of moisture n wlnter wheat territory crop advlces lave not been particularly posslmiatic ndeod, it socnis to bo thu general Im iression that tho plani is well rooted, md therefore IJttle nlarm is war anted. Week nn lhe Corn Mnrket. Inactlvlty and narrowness wero the hief features in the corn market early n the week. Apparently the tradlng vas largely of a scaiping character, nd hence the fluctuatlons were slow nd lnconsequential. Traders did not enture to sell freely because of the Isappolnting receipts at primary olnts. Thoy had beon counting on laterlally larger dellverles by farm rs at country statlons, but thus fur armers huve sliov.n llttlo wllllngness o accept current blds. This ls sonie rhtxt Hurprislng ln view of the re larkably favorable weather for husk lg and marketing thc crop. in som<* uarters the comparatlvely light lovement has not caused wonderment ecause lt was assumed that farmers *ould see tlie advantage of feeding ?eely to hogs and cattle. whlch would rlng them better profits than could e obtained by shipping their corn. omo experieneed dealers assert that irn in the shape of hogs and live :ock will net over 25 cents more thnn sold to country statlons. Lato ln ie week there was a sllghtly weaker ?ndency. as offerings were heavler. rompted by the continued fine eatiier. and reports that farmers ere beginning to make sllghtly larger r-iiveries to country points. Trade :i the spot hns been lifeless, nnd es sclally for foreign account, as offer igs havo boen small and exporters' mlts too low as a rule. cause much excltement around the fu? ture rlng, but once in a whlle they con? taln surprises whlch throw the futtiro market Into an uproar, and ft ls well to be prepared for any such occur rence, especially ln a tlmc Ilke thls, and supply aml distribution stutlstlcs aro full of meanlng. One thing that tho trade will want to know moro about thls week" is the slze of tlie end of November exports. Ocean frelght brokers have been talk lng lately about a blg demand upon them for cotton room, especijilly for llnvre and Hremen. Both of the ports are carrylng very small stocks of cot? ton, and it has boen clalmed that llnvre has been miklng special efforts to replenish its supplles, the chlef dlf? flculty ln tho way belng the ilrmness wlth whlch shlpments havo heen hold In the Interlor of Uie cotton belt. Fu? tures wlll be affected favorably and perhaps strorigly if toward the week ei.d it develops that end of November shlpments are to be large. November i.s a dull month as a rule ln the matter of spot tradlng. and any departure from this didlness wlll be taken to mean that splnners are vory anxlous for fresh supplles ot raw material. It is said in some quarter.s that a strong movement to bull the December optlon ls under way and thnt a strong dique is accumulating a great quantity of cotton. Any fresh news tendlng to prove thls wlll stlmulate buying, par? ticularly among outside traders. on New Vork banks was imerred. The rlse ln October exports from th's coun? try to u record level fior any month, and tho heavy excess value over 1m pbrts thus established Impliod valuable rellel io tbe exchange murkot, and gave confldence ln tlie money outlook i ae domestlc movements of. money als< turned, in favor of New Vork. nnd in? terlor banks were reported to bo of? fering funds ln Now York untll thc decllne in lnterest rates here left ne further object ln dolng so. The widespread fall in meat prlce* was de-emed of great importance from tho linanclal standpolnt on every ac? count, I'riuuirlly, tho excosslve expan sion of banking credlts tno country over is lield to bo caused largely hy tlu- hlgh prices of commodlties and thn Increased roqulrements for bunklng liiciiities in tho conduct nt commerclal transactlons whloh results. A fall ln CQmmodlty prices also bears on tho wage prohlom and on tho prevalent dlBcontent with the high cost of llvrng Tl ? outcome of tlie plnctlons had a dls quietlng effect on flnanclal sontlmont, partlQUiar.ly on account of the force 6( publlc unrest. Tlio eaalng money market did not avail to brlng any marked improve? ment in InvoHttnont demand for socu ritles. ' Hrltlah consols Bold durlng tho week at a now Unv record for the period. The dlillrultles of enlistlng new cap? ltal thl'ew ren-weil doiibtst over lhe amount nf rallroad cxpeiidlturos for materlal, and the -(?.llnlng tendency of rallroad oamltigft hroilgiil lnto questlon tlio stabiiUy of divldelidH of some romnaiiles,' GREAT MEETING FOR ROAD IMPROVEMENT Leaders of Movement Throughout Country Will Meet in Washington and Form Associa? tion?To Harmon ize Efforts. Washington, Novomber 20.?Prob oly the most Important mootlng ev beld ln tho Interest of road Improv ment ln thls countrv will tnkc pln nt Cnsmos Club, In thla clty, on tl mornlng of Novomli"- 22, Tho pu Pose of tho meeting Is lo hnrmonl and turn to practlca.l account all tl ciforls that aro belng mado to furth thn work of roud Improvomenl ln o Parls of tho United States. Many thc most (llstlnguished nnd succes rui men of the natlon are Itlentlfli wllh thls great movement, most . Whom wlll attend tho meeting. Amoi them are: W. w. Flnley, presldent Southei Railway Compamy; Melvllle B. Ston genoral manager of the Assoclatt Press; Louls Hill. presldent Ore: Northern Rnllwav: James McCre presldent Ponnsylvanla Hallroa. Walter Page, edlior World's Worl Alfred Noble. hl.. ]>.. past presldont i tho Amerlcnn Societv of Clvll Et DRY GOODS MARKET New York, November _:?.?The coi tlnued dlftlculty of Induclng merchan to pay prices on cotton goods ln keei Ing wlth tho contlnue.1 hlgh costs i productlon Is giving rlse tn rcnowc talks of further curtallment of tl output to meet the reslrlctod deman There Is a lack of desire to nnticlpat needs on domestlc cottons, nnd mll are unable to see very f.ir alieud wltl out encounterlng the" danger ot acci mulatlng stocks made from hlgh coi cotton, Tho cotton market seems firm enoug ln the planting sectlons, desplte dall fluctuntlons in'the exchnnces. and mlll are belng pressed hard In llnanclng costly crop at the momSnt tliat thel margln of prollt on m put Is deoreaslng. -all Blver sold nl.o it prlnt cloths last 36,000 wcrc for spot in these cloths are easler as a oonse liienco of the pressure to sell spo ?oods and the lack of slzeable con :racts on tho books. A small Inqulr; -or goods for China shlpments falle. :o result ln sales, owlng to the Inahll ty of mills to meet tho prlce th uiyor could pay, whlch was the hlghes irlce offered ln some years. Western and Southern dlstributloi lontinues falr, but the large Easteri narkots rule 'qulet. the buying bein. ? f a hand-to-Bioiith character and li mall lots. a seasonable demand fo icavy goods, such as blankets, under vear. etc, is depletlng stocks fast I'arns hold fairly steady, but trans ictlons aro llght. Men's wear over oatlngs have been In active call. ttircd out nn.n.in plei uHlIIG ?Jew Orleans and San Francisco Seek Favor of Commercial Congress. San Antonio, Tex.. November 20.? he twenty-flrst annual session of the rans-Mlsslssippl Commerelal Congress ill begin here Tuesday morning. It romlses to be more notable than any i the provious twenty meetlngs. Among matters of foremost Interest the struggle between New Orleans id Kan Franclsco for indorsement as ic place t'or holdlng tho Panama inal Kxposttlon ln 1915. All Louls na ls backing New Orleans. In con :quence. that State will have "f>!> icredlted representatives to the con ress. Texas wlll send 72S delegates, illfornla wlll send twenty. It seems probablo that the con ress wlll agaln go on record as fa >ring a national department of mlnes. ongressman George A. Bartlett, of cno. Nev., will lead the fight for In jrsoment of that propositlon. Rlver Improvement ls another sub ct that wlll have a large part ln the iscusslons. JHissouri is particularly .terested in thls. and to secure tho mgress' Indorsement of Its projects ill send 121 delegates. Mlssourl Is ilrd ln point of numbors of delegates. All told. lt ls expected there wlll bc . least 2,200 delegates accredlted to ie congress. Among them wlll be ovornors of a dozen States and half dozen dlplomats. Senor Don Ignaclo Calderon, envoy :traordlnary and minlster plenlpoten ary of Rollvla to the United States. :eompanied by hls family, arrived Is mornlng. and was met hy a dele itlon of San Antonlo citizens and es irted to hls hotel. John Henry Smith. Salt Lake. Utah, past presldent of e congress, and vlce-presldent for tah. was another prominent arrlval -day. Minlster r'alvo. of Costa Rlca, dea,n the dlplomatic corps in Washington, id Dlrector John Barrett, of the inaman Unlon, will arrlve to-morrow, Tho congress wlll be welcomed to n Antonlo by some prominent busi ss men yet to be selected. Tho ro onse wlll bo made by WUHam J. 'yan. Flve cltles are active candldates for e 1011 meeting of the congress. They e Omaha and Llncoln, Neb., Bllllngs, nnt.. and St. Joseph, Mo., and San lgelo, Tex. Flre In Kmporln. rSiieclal to ThcTlmes-r>Ispatch.l North Kmporia, Va., November 20.? ie resldence nf Walter M. Kvcrette Maln Street, North Emporia, was actlcnlly destroyed by flro yester v. The loss ls cstlmated at n'bout ,000, S700 of which ls covered by In 1107 East Mnln Street. Members: NEW YORK STOCK EXCHAXOE, NEW VOlliv COTTON EXCHANGE. OIIIOACSQ IJOA'tn OF TRADE. E. 1. TtOPKN. Mannor. You will receive 3 per cent. in reM on your surplus funds if you ?poMt them with this institution, id they will at thc same time be 'ailablt: at any time. Interest calculatcd on daily bal irginia Trust Co. Richmond, Va. uiital.$1,000,000.00 gin.oi-s.to whom i,ns just been award? ed the John Frltss modal, the hlghest honor nt tho dtsponal of American on Blnoersi Loonard Tufts, prosldont of . i '.. ?H1._"?way Associatlon, /'?y???'???l* N. C; w. It. Brown, presi? dent New "tork Central llnes; B. F. -oakum. chairman 'Frlsco System. ivho has boen oonslsteiitl y ideiitltled ?vlth tho road movement for several yeara; Hon. La.ayott_ Young, wlio lias Just boen appolnted Unlted Htate.i bonatnr froni lowa; .losopb w .loncs who ls known &s "The Edtsdn of AU omobiling ; Bryan I.ithrop. of the i .ncoln I'nrk Commlsslon, Chlcago; Dr. _. J. James, prcsWentt of the Universlty of Illinois and chairman of the State Hlghway Commlsslon of thal Btate; lt. D. Chap.lrt; of tho Associa? tion of Llccnsed Automoblle Manufac? turers; Hon. Leo McClung, Treasurer Of the I'nlted Stntes; .lohn M. Ooodcll. edltor Englncerlhg lleeorcl: John A. Stewart, prosldont Intcrnalionul League for Hlghway Improvements; Hon. I.ogan Waller 1 ?ago, director Of? flce of Publlc Roads of tho I'nlted States Department, of Agrlculture; A. <!. Spaldlng, whose namo ls known to nll loverS of athletlc sports, dnd who Is u member of the famous Good Roads Commlsslon of Three, which undertook ihe Improvement of the roads In San Idego county. California, the other two members of the commlsslon be? lng -Messrs. Scrlpps and Sprockols; Hon. James S. Harlan, of the Inter? state Commerce Commisalon; Oeorge C. Dlehl, representlng the American Auioinobtlo Associatlon: W. D. Brown. edltor of tlio I _ F. D. News. It is expected thnt am organlzation. national in its scope. wlll be launcliod. which will make its Influence felt everywhere. and whlch will co-opor ii te wlth other orgnnlzations having for thoir object tlio welfare of tho rural Donulatlon, particularly great assocl_tlonB of farmers, such ns tho National Orange and thc Farmers' 1 nlon. Pcrmanont offlclal lieadqunrters will bo malntalned in Washlngton. Tho ?vork of tho associatlon wlll be on crgctic and continuous, and the hold ng of good roads conventlons wll] pe an lncldent to the general plan. It is tbe hope of the founders of this movement that the hoadouarters of tlio associatlon wlll bc a sort of clearing house where every legltlmate and hclpful undertaklng looking to thc bottennont of the public roads wlll .'Ind a sympathetlc hearlng and helpful co-operattion. Cnder conditions as they extst to day. an enormous amount of time, cn r*rgy nnd monoy are wasted hocauso I ere aro so many little movements. unable to accompllsh groat results slngly and ofton worklng at cotinter purposes wlth each other. That a strong national organlzation will oco nomlcally accompllsh Intlnltely greater results by harmonizlng and crystal llzing these movements ls a self-evldent proposltlon. Tho meeting wlll he called to order at 10:30 A. M. by Hon. James Wilson. a.cretary of Agrlculttn-. . who will then yield the chalr to the temporary chairman for tho r>rom-*t carry Ing out ol nll tho steps necessary* to perfect ing the organlzation and laun^hln*. tlie movi'iimnt. Tho Washington members will bo hpsts at a luncheon whlch wlll be glven at the Cosmos Club ln honor of tho visiting membens of the as? sociatlon after the meetlng. Special Dining Room for AutomobiJ _?:__. THE JErr'fcKSUN Kichmond, Va_ The most magnificent hotel in the South. European. plan. Rooms single and en suite, with and without baths. Spacious sample rooms. Ra*- $1.50 per clay and upward. 3_a_.coal__. Chesapeake & Ohio Railway ?:W A. . Daily?i?ut irauni 10 Old i*oiui, 4:00 1'. -\ isnvvport ,_wi aud N-rlolk. 7:40 A.?Dany. Loca; to :-;t_viiyrt Nuwv 5;_ P.?Daily. Local to Old Polnt. 2:00 P. 1 Dally?DouiaVilU und ClnolnnaO 11:00 P. < Pullmana. 6:4$ P.?Daily. "st. Douii-Ch?----> Speclal." Pullmana. 6:30 A.?Daiiy?Cbarlottesvl'le. Week dayi ?Hlnton. 6:1S P.-W_k days. Docal 10 Gordonsvitlo. 10:00 A.?Daily. L'burg, Le_., C. Forge. 6:15 P.?Week daya. To Lynchburg. TRALNS ARRIVE UICHAIONJO. Docal from East?3:23 A. M.. 7:f.O P. M. Through from Kast?11:35 A. M., ?:i_ P. M. Docal from Wcit? _J:30 A. M.. 3:10 A. M. .20 P. _t. Through?7:00 a. m.. 2:45 p. II. Jamea Hlver Llno?'8:35 A. M.. 6:15 P. M. Richmond and Petersburg Electric f._ilwaj Cara leavo Manchester, Seventh and Perrj Streets, for PeiurBburg* ?6, 7, S, '9. 10, 11, *>12 A. M? 1, 2. '3, 4. 5. ??5:45. '6. 7. S, *9, 10 P. M. 11:00 P. M. for Cheater, 12:00 mldnight for Petersburg. Cars leave retcrBhurg, foot of Sycamoro Street, for Manchester; 6:16, 0:35, ?*7:10, '7:33, S.-35, 0:35. '10:36. 11:36 A. M., 12:35, '1:35. 2:35, 3:35, '4:30. 5:35, 6:35 ?7:35, 8:35, 9:35, '10:40, 11:10 P. M. ?Cnrrlcs baggage und express. ??Limlted, except Sundays and holldays All cars from Petersburg eonnect with ca for Ilichmond, Norfolk and Western Railway ONLY ALL RAIL DIN'li TO NORFOLK. Schedule In Effect October 2, 1910. Leave Byrd Streel Stutiun, Rlchmond.'FOR _DR. OLK: ?9:00 A. M., '3:00 P. M.. '4:10 P. FOR LYNC.'HBURQ AND THE WEST* '6:15 A. M? *9:00 A. ._., .3:00 i> m ?g.'o P. M. Arrlvo Rlchmond from .Norfolk: '11:10 A. M? ?C:35 P. M., '11:20 p. M. *.-rom tho WHl, '6:50 A. M., u2:00 P. M? b_!:ir, p. yr 6.M p, M? ?9;00 P. M. ?Daily. aDally. ex. Sunday. bSundaj only. Puilman, Parlor and Sloeplns Cars Cafe Dlning Cars. C. II. BOSLET. W. B. Bl_VILL, D. P. A., Rlchmond, aV. G. P. A., Roanoke. Va. ItlClLMONi. AND CHKBAPHAKE BVY RAILWAY CO.MI'.VNV. Schedule of eleelrlc irains to and from Ashland, stopplng at Intermedlate statlons upon slgnal: Lv. Rlohmond (Broad and Laurel Sts.): 6:00b, '7:10, 8:10b, ?:i0b, "10-10 11:10 A. M.; 1:10, 2:10. 3:10, .(:10b, 0:10 fi*2o' 7:10, 8:10b. 10:10, 11:15 p. M. Lv. Ashland: ?6:66. ':00b. 8, 9b, 10, "11 A. m tia M 01 2, 3, 4, 6b, 0, 7, 8, 0b, 11 P, M. " ?Dully except Sunday. "Sunday only. hCarrlcH bntrgage. _ The Confederate Museum TWEU_-TH AND CLAY STRH _T3 OPEN 9 A. M. TO fi P. M. ADMISBION 25c irst National Baek of RICHMOND, VA. Your Bank and Your Business Are alike in this respect: Success depends on satisfactory service. It is the well-served customer who brings his friends to share in his satisfaction, and so business is built up. THE FIRST NATIONAL BANK has been built up largely by giving customers kindly and intelligent service; by manifesting gen? uine interest in individual accounts and in dividual successes. We invite correspond ence and welcome new accounts. RESOURCES OVER TEN MILLIONS. arrk of (Kummtrtz ano ?rusts 907 Ea?t Main Stroet, Mutual Building Capital, $200,000.00 DEPOSITORY FOR THE STATE OF VIRGINIA AND CITY OF RICHMOND. Offers its best services in its NEW QUARTERS, 907 EAST MAIN STREET, in its Banking and Trust Departments, and respectfully solicits BUSINESS ? PERSONAL AND SAVINGS ACCOUNTS. Acts as Executor, Guardlan. '' Recelver, Rcgtstrars of Stocks and Bonds. 3% Interest Paid on Savings Accounts. O. J. SANDS, Presldent. A. R. HOLLADAY, Vlce-Preaident. R. M. KENT, Jr. Cashier. R. B. CAMPBELL, Asst. Cashler. BROAD STREET BANK 303 EAST BROAD STREET Tcmporary location during construction jf nsw bankin? hojn Capital.$200,000 Surplus and undivided Profits - $110,000 \V. M HUbli.nn. rV_*.; |\ .V.rtttiift. /i;i-P..i. f i ?_. ; ,Vxl_j;, ! I / ? Pres.: Andrew M. Gover, Caihier" PERSONAL AND BUSINESS ACCOUNTS SOLICITED With assets of over $l,70),;X)_t, every induce.nant corubteit with goal banking is offered to its customers. 3 per cent. aliowed in savings depsrc ment. Bank is open tili eight o'clock Saturday cvenin^s. __aflroaos. TRAIN6 LEAVE RICHMOND. N. B.?Followlng schedule Jlguroe publlshea : Information und not guaranteed: J:1U A. M.-Dolly?Local for Charlotte, Dui un and Ralelgh. 10:13 A. M.? Dally?Llmlt ?For all polnts South. Drawlng Jtoom uffet Sleeplng Car to Memphls vla Ashe 11c and Chattanooga. 2:00 r. M.?Ex. Sun ? jcal for Durham and lntermedlate slatlons. DO 1'. 11.?Ex. Sun.?Keysvllle Local. 11 :? M.?Dally?Llmlted?For al: polnu South. illman rondy 9:30 P. M. YORK RIVER LINE. 1:30 P. M.?"x. Sun.?To West Pt.. connect g tor Haltlmore llon.. Wed. and Frl. 4:3.1 M.?Ex. Sun. and 2:15 P. M.?llon.. Wed. :d Frl.?Local to Wost Point. TRAINS ARRIVE RICHMOND. From iho South: 1:60 A. M.. 8:05 P. it., .ily; _:?o A M., Ex. Sun.; 12:55 Ex. Sun.. X) P. II., dally. From West Point: 9:30 A. ;, Dally; 11:35 A. M.. Wed. and Frl.; 5:45 M., Ex. Sun. 8. B. BURGESS. D. P. A.. SZo E. Main St. 'Phone Madison 455. cIimoflfljFrettM'i& Potomac R,I_, ?AND FROM WASHINGTON AND BEYOND. .eavo Rlohmond I Arrlvo Rlohmond .60 A.M. Byrd St.Sta. .20 A.M. Byrd St. Sta. ..46 A.M. Main St.Sta. .40 A.M. Byrd Qt. Hta. .Oi noon njra Ht. SU. 1.00 P.y. Byrd 8t.8ta. .15 P.M. Klba Statlon. i,16P.M. MalnSt. Sta. .80 P.M. Byrd Ht. Sta. ?7.60 A.M. Byrd St.Sta. 311.26 A.M.Ellia Statlon. tl 1.85 A.M. Byrd SL Sta. *l.l_P..M._alnKt.8tt. ?2.45 P.M. Byrd St.Sta. ?7.20 P.M. ByrdBt.Bla. ?9.00 P.M. Byrd St. Sts. ?10.40 P.M. Maln Ht.Bta. ?12.60 nlght ByrdBl_t_J ACC0MMODATIOW TRAINS-VVEEKDAYS. ire Byrd St. SU. 1.30 P. M. for Frcderlcksburtr. >to Kflio Sta. V_0 A.M., 0.30 P. M. for Ashland, I^J&^St'SU. 8.25 A.M.from Frederlcksb'g. ?lTeUlia Sta. 6.40 A.M.,6.30P_l.from AahlanS) ?Daily. fWeekdayi, S8undaya only. ?11 traiaa to or from Byrd Street Statlo? xept tralna leavlng 4.50 a. n?. and arrirlnfl 50 night) atop at Klba. Time of arrivals aa? B*rturos not _ uaranteed. Read tht sigua, , SEABOAItn" ATR HNE. iouthbound tralna scheduled to leave Rlch >nd dally: 9:10 A. M.?Local to Norllna, leigh, Charlotte, Wllmlngton, 1:20 P. M.? opers and coachos, Atlanta, Blrmlngham. vannnh, Jacksonvllle and Florida polnts. M P. M,?Sleepers und coaches, Savannah, cksonvlllo, Atlanta, Blrmlngham and mphls. Northbound tralns scheduled to ?ivo Rlchmond dally: 5:32 A. M? 5:05 P. , 5:10 r. M. _5>t_ami)o?tj_. altimore Steam PacketCo. Kqulpped witli wlreless telagraphy. ' BALTIMORE AND THB NORTH VIA NORFOLK AND OLD POINT. lve Rlchmond Dally lneluding Sunday.vlg r. & XV. Ry. 3:00 P. II., Norfolk 6:30 P. M. '. & O. Ry. 4;00 P. M., Olcl Point 7:30 P. M. '. D. S. S. Co. 7:00 P. II, (one day ln Nor k). a. Nav. Co. 6:30 A. M. (Monday, Wodnos t and Frlday). lckets at nll offlces. For statorooms ap to H. M. BOYKIN, Agent. S30 Ea.n Maln eet. ?LD DOMINION LINE Richmond foot ot Ash St. dally.7:00 P. M. ive Newport News.5:00 A.M. ?ivo Norfolk .6:00 A.M. onnocts wlth maln llno stoamors leavlng rfolk for New York dally excopt Sunday 1 P. M. Connectlon also ,made by N. _ Ry. 3 P. M. and C. & O. Ry. ct \ P. M. ;ht Line steamers stop at Claremont to d or roi-elvo passengnis on slgnal. lUtil.NIA NAVItiATION CO.?Jumes niver dayllglit for Norfolk. Olcl I'olnt, New t News and ull James Rlvor lundlngs. nmer leavea Monday, Wednesday und day at 7:00 A. M. Frolglit. reculviiit for Jamea Rlver landlngs, '.i_u Sldmt Offlce, <_l IS. Maln Streot. National Bank of Virginia Capital, - $1,200,000 Suiplus, - $ 600,000 Accounts solicited Ninth and Main Streets __> teamboats. THE WEST INDIES, SPANISH MAIN, PANAMA CANAL and BERMUDA By S. S. "MOI.TKE." 12,500 tons, tho largest steamer sailing to the West Indies this *.vinter. DURATION?16 to 28 days. COST?$85 and $150 per person and upwards. The efficiency of twenty years' experi? ence. All arrangements aboard and ashore under direct management of the HambunJ-Amerlcan Line. __ _ _ 708 East Main Street, Richmond, Va. PATRONIZE HOME INDUSTRY. I To Islands of Perpetual June Threo delightful orulsos, leavinK New Tork _.._"_ A11Y 24, F__.I_IUAHV _."? ujid MABCH 28, 19H, by the l_.,500-ton S. 3. Moltke, larg-ost steamship sallini; to the Spnnlsli Maln, West Indies, Panama Canal aml Bermuda; Two oruises of 28 ilays' duratlon. $150 und up. Ono cruiso, 16 days, $85 and up. Al.'u, crulHes tu the Orient,' South Aiucrton, Aruuml tbe World, Up the Ml., oto. Wrlte for illuatrated booklets. HAMBURG-AMERICAN II-INI . S. li. Bowman, 708 I.. Maln St.: C. Cl. Alley, care Rloh? mond Transfer Co., Bloh mond, Va. _____ Atlantic C (tp __.es;ort_ GALEN HALL AND COTTAGES HOTEL AND SANATORIUM ATLANTIC CITY, N. J. Always opea. Alwayo ready. Always huny. J_ I. YOUNG. G?n'lMana .?