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6 CHARLES M. SHORTRIDGE, Editor and Proprietor. SUBSCRIPTION RATES: . DAILY CALL— 46 per year by mall; by carrier, 15c »cr ■week. . 5 ° SUNDAY CALL— II.SO per year. WEEKLY CALL— II.SO per year. The Eastern office of the SAX FRANCISCO CALX (Daily and Weekly Pacific Hiates Adver tising Bureau, Bhinelander building, Rose and Dunne streets. New York. THE SUMMER MONTHS. ° f Are yon going to the country on a vacation ? If 80, it is do trouble for us to forward THE CALL to ycur address. Do not let it miss you for you will miss it. Orders given? to the carrier, or left at Business Office, 710 Market street, will receive prompt attention. TUESDAY :.... JULY 2, 1895 He who fights error defends right. We must get the lottery out of Ameri can life. One day more and then the eagle screams. Pop your firecrackers with joy, but watch ■where the fire falls. Every day of the fight against lotteries eaves money for somebody. Genius without stability is like a steam engine without a governor. There; will be no trundle-bed politics in the next National campaign. There are several ways of dying, but only one way of going to heaven. John P. Young's treatise on bimetallism will set the goldbugs buzzing again. Overhaul your hosepipe and see that your fire extinguishers are in order. More money has been earned by wishing ■for it than by buying lottery tickets. The Japanese Jingo talks of taking in St. Petersburg on his next war picnic. Where the fire made a clean sweep is a good place for improvements to begin. The European war cloud seems to be hopelessly mixed up with the Asiatic sky. A person who buys a lottery ticket loves money more than the way of acquiring it. San Francisco always shows up well in matters of hospitality, generosity or char ity. _ Fourth of July orators are advised to make the Monroe doctrine a specialty this year. The furtner away we are from the actual "enjoyment oi life*' the more alluring it seems. A wise man will not complain of a chicken tooth so long as he has a sausage pocketbook. Even an iron constitution will rust un leaa we take an outing in the mountains or at the springs. Kindly missionary work should be first tried before we consign Silurians to the Home for Incurables. The British Cabinet that was pledged to reform the House of Lords concluded to improve it by joining it. As adviser of the Bureau of Highways, Professor Davidson might serve the State to its incalculable benefit. It appears we are to have this year the most thorough celebration of the Fourth of Jnly ever seen in California. Some of the chaps who think that they were born to stir the world with their ora tory have a better mouth for pie. The merchant who makes a big showing of home-made goods displays a local patriotism that deserves support. As we are willing to concede the next President, to the East, the nominating con vention should be conceded to us. It seems that every community in th« State intends to bring its festal spirit to a patriotic culmination on the Fourth. Not even literature can withstand the seductions of the bicycle, for both Zola and Daudet have taken to the wheel. The girls of the Newport aristocracy may make the bloomer costume fashion able, but it was California girls who gave it style. Not less interesting 1 than the wonderful views from the hilltop of San Francisco is the marveiously varied shipping along the water front. The British syndicate that talks of buy ing the street railways of St. Louis can hardly be accused of going into any rapid speculation. There must be an expression of the in stinct of self-preservation in the neglect of Governments to coajpel all fools to wear the cap and bells. Why should Garner return to Central Africa to study monkeys, when he might come to this country and watch the Demo crats and the buzz saw ? Every manufacturer should keep con stantly in mind at this time the import ance of making preparations for a good exhibit at the State Fair. In opposing State supervision the elec tric road companies run the dangerous risk of being deemed self-confessedly una ble to compete with steam roads. By a queer coincidence which we shall not attempt to explain, the bicycle has created a heavy demand for breadstuffs and diminished the call lor woven fabrics. A State that produces the biggest trees and finest fruits in the world is expected to turn out citizens with minds, souls and aspirations big enough to fit the environ ment. It will be" a mistake if our people do not reflect in the force of our political influ ence on the country a power of which their superior industrial achievements are a brilliant example. In a war with Japan Russia would have to tight in addition to the ordinary ele ments of warfare a peculiar combination of vanity, pride and victory which has a large bore, a short twist and a long range. Such a destructive fire as Chicago suf fered, and out of "which its present great ness was born, might produce a similar re sult for Sau Francisco, but there are better ways of building a great city than that, and of keeping off a load of debt such as Chicago incurred by borrowing Eastern <noney with which to rebuild. THE SALINAS VALLEY. One of the most instructive illustrations of the great disparity existing in Califor nia between abundance of resources and meagerness of development is to be found in that wonderfully fertile region known as the Salinas Valley. The truth of this declaration may be better understood when it is added that this valley alone has resources within itself capable of support ing in comfort more than the whole pres ent population of California; and yet, in comparison with the San Joaquin or the Sacramento Valley, it is insignificant. It is one of the very few valleys in Cali fornia that open directly upon the ocean, and excepting the Pajaro Valley is the only one the leading feature of whose cli mate is the effect of the ocean trade winds. To what extent this explains the remark able size and quality of the soil products it would be more interesting than profitable to inquire. Although it is in growing wheat of a quality which no other part of the country can equal that the fame of the val ley consists, its soil of inexhaustible fertil ity, being the washing of mold from the heavy vegetation of the mountains on either side of the valley, and its bland cli mate make possible the production of all the rare products for which the various sections of the State have developed special aptitudes. Like most of the other rich sections of the State the Salinas Valley is covered in considerable part with vast land-holdings which are a heritage of the days when the Spanish Government in order to secure the settlement of the State made grants of enormous tracts of the most fertile land in the world. Most of these grants have descended intact to the present owners, who are generally Americans, and one of the reasons for the slow development of the State has been ascribed to the unwill ingness of these owners to subdivide their holdings and offer them on reasonable terms to settlers. So long as the produc tion of wheat was encouraged by the gen erous prices which this staple received until recently there was as much reason for the complaint against the refusal of owners to subdivide as for the continuance of a more profitable course. Since wheat growing is no longer so rennmerative and since' the organizations of fruit-growers have solved the problem of an Eastern market the owners of the immense wheat fields axe more than willing to Bell. This is particularly true with regard to the Salinas Valley, where the largest profits to-day are to be made in growing fruit and sugar beets. Along with this opportunity to buy farms of a size suitable for orchards are some other conditions which affect the Salinas Valley with peculiar force. The first step toward better times for the valley was made by Claus Spreckels and other progressive men in the running of a rail road up the valley from Moss Landing, on the bay of Monterey, to Salinas City. This opposition to the Southern Pacific, which had a line running to the head of the valley, reduced freight rates materially, as vessels at the bay received the wheat of the valley and distributed it over the world. The next opportunity is that pre sented by the extension of the Southern Pacific to Santa Barbara, with a short cut thence to Los Angeles, in order to make the line by way of the Salinas Valley and San Jose the southern overland line for passengers. Salinas City is to have special consideration in the shape of workshops and a roundhouse. The enterprising spirit of the residents and their cheerful ness in giving substantial help to any en terprise which will bring them benefit were shown in the readiness with which they purchased and gave to this rich cor poration a large acreage within the city for its purposes. The jeorjle there are now hoping that the Monterey and Fresno Railroad, which recently collapsed, will be taken up and pushed through from Monterey to Fresno by way of Salinas, as part of the scheme of the San Joaquin Valley road. In all ways, therefore, the future of this wonderful valley is most encouraging. HIS SERVICES NEEDED. The outcry which has been raised throughout California by the summary dismissal of Professor George Davidson is the most flattering compliment that a Western scientist ever received, and it doubtless goes a long way toward healing the wound of chagrin and humiliation which the Cleveland administration has inflicted. To Professor Davidson the greatest value of this popular demonstra tion 13 a recognition by those in a position best able to judge of his high and useful abilities. While this spirit on the part of Califor nia is most commendable, a more substan tial appreciation of this able man's worth might be exhibited by the people them selves employing him, either through the machinery of the State Government or by some other means. In toe University the State has an institution which is doing an immense amount of good in directing and educating the energies of the people in making the most of the extraordinary nat ural advantages with which the State has been blessed. Necessarily, however, this work must be subsidiary to a regular func tion as a group of schools and colleges de voted to the education of the young. It is remarkable that the University has accom plished so much for the industries of the people outside its main purpose. The abilities of euch a man as Professor Davidson could be turned to an account of far more practical and immediate value to the people of the State than that in which they were exercised for the United States Government. These would be mostly of an exploratory kind, as the University is fully equipped for all the analytical work brought to it by inquiring residents of the State. That treasures of many kinds and of great value are hidden all over the State, especially in the less accessible regions, we are compelled to believe. Whatever scientific explorations of such regions have been made were undertaken for limited specific purposes of a kind very different from that which we here contem plate and which should be thoroughly comprehensive. The time for considering some matter of this kind is ripe now while the entire State is throbbing with an eagerness for progress such as ha? never been observed here before, and while it is more than ever essential that we have a better understanding of our resources than the slower methods which contentment in the past made it necessary for us to acquire. A special bureau with Professor Davidson as the guiding spirit could work to excellent purpose in forwarding the great work upon which the people have entered. THE GLORIOUS POUBTH. Reports from all parts of the Siate afford evidence that the Fourth of July will be celebrated this year more generally and more thoroughly in California than ever before. The spirit of the people, aroused by reviving prosperity, rendered alert and active by the opening of new enterprises on every siae and brightened by the fiestas of the spring, has become glowing with patriotic fervor, and is pre paring in almost every community to THE SAN FRANCISCO CALL, TUESDAY, JULY (2, 1895. make a display at once of activity, fes tivity and patriotism on the National birthday. The excellence of the local celebrations will of course keep at home many people who would otherwise have come to San Francisco to keep the Fourth with us. To a certain extent, therefore, these cele brations are adverse to the greatness of ours. There is nothing in this, however, for us to reerret. We could hardly claim the Fourth of July as a special civic holi day and expect to have the claim allowed. If we wish to hoJd a fete to which we can invite the whole State and serve up in the metropolis all the glories of the festal cities, we must select some other date than that of a National holiday. In the pres ent case we can do no more than to lead in a general celebration, and by reason of our superior wealth and population make this the spot where the birthday of the Republic will be most brilliantly observed on the Pacific Coast. In this appearance of renewed interest in the. Fourth and of increased activity and seal in celebrating it. there is much cause for gratification. Patriotism is the soul of national destiny. It is the vital flame which energizes the body of the nation and eives force to popular aspira tions. Its manifestation excites confidence in the public mind and awakens enterprise. A widespread jubilation on the Fourth w ill put everybody in good humor. It will give vigor to everything, and the money expended in fireworks and decora tions will be more than repaid by the benefits radiating from their flashing splen dors and fleeting glory. REGULATING ELEOTEIO KOADS. An onlooker cannot help but wonder why an electric road should be so opposed to being placed under the regulation of the State authorities. Here is the Oakland and Haywards road, for instance, that is running trains of passenger cars with an other car containing the machinery and mails and express. The State claims that the road has placed itself under the con struction of our laws passed to govern the conduct of railroads, and the company is combating the idea with a fierceness that seems to eive excellent cause to wonder. The Hay wards road declares that because it does not haul freights it does not come within the operation of the State laws regulating transportation, and that, there fore, it is merely a street railway; and that although it carries express matter and the mails these are not freight. "Whether or not this may be regarded as quibbling it is clear, as the San Mateo electric line, on this side of the bay, has already .shown, that electric roads have some very strong reason for not desiring to be brought under State regulation. This is all the more difficult fox an ordinary observer to under stand, when he reflects that as a rule electric roads carry passengers at a much lower rate than steam roads, and that, presumably, they will give freight trans portation a similar advantage as the service develops a capacity and opportunity for engaging in that sort of traffic. The matter is a very important one in view of the fact that electric lines in vari ous parts of the State are under construc tion and formation for the transportation of freight, and in view of the further fact that they are profitable enterprises as a rule and perform swift and satisfactory service at a cost of operation much less than that of steam roads. In fact, in some parts of the State, particularly in the Nap* and Sonoma valleys, they are projected with a view to ease the burdens which the steam roads have levied on the profits of industry. In most other cases, however, they are being undertaken to tap regions not penetrated by steam lines. Certainly, therefore, these lines will have to be oper ated under State regulation, unless the law receive some unexpected construction. It is difficult to see why even the regular streetcar lines of San Francisco do not in stitute a freight service that might take the place, to a large extent, of the system of wagon delivery, which the merchants maintain at a heavy expense. Much more is it a c}ear proposition that electric lines, which are comparatively cheap in con struction anc: operation, and which, there fore, run far out into the suburbs and penetrate the producing areas, should find one of their most profitable employments ia the forwarding of freight. Can there be some peculiar fear that railroad commis sions are institutions to be shunned, and that electric-road companies would rather lose business than come in contact with them ? THE DEAD TEACHER. By the death of Professor Huxley science loses a student and the world a teacher. The lo3s of the student is great, but that of the teacher is much greater. There are many men in the Jaboratories who are making researches into the hidden tmths of nature with as much devotion and scarcely less skill than Huxley, but nowhere among the English speaking people is there any one left having an ability equal to his of not only advancing science but of teaching it to the general public in a way that instructs, entertains and arouses enthusiasm. It would be hard to overrate the influ ence exerted by Huxley and Tyndall In making scientific studies popular among non-scientific peode. They were fitted for that work by special gifts rare among men. They had a rare capacity for down right hard work and a sufficient integrity of purpose to be honest in all they did. In making researches they were thoroughly imbued with that spirit of sience which doubts everything until it has been tested. To these high faculties of investigation were joined a keen delight in controversy, an irrepressible desire for utterance and a mastery of written and spoken eloquence that bad the world to listen willingly to whatsoever they said. Darwin launched the theory of evolution by his investigations into the origin of species, Herbert Spencer expanded it into a philosophy, but neither of them could have made the new doctrine widaly popu lar and accepted as an established truth in the lifetime of a single generation. Neither of them had the talent to make abstruse problems clear to the common understand ing and perhaps neither of them bad a de sire for it. Tyndall and Huxley were needed to speak among the people the doctrines that the greater masters taught to a few. They made a crusade for Dar winism. They wrote pamphlets for it. They took the stump for it. They pro- TOked disputation about it. They were the knights errant of science, going np and down England and America hunting for somebody with whom they could break a lance in favor of the new philosopny. The world has great need of such teach ers as these. As a rule men of scientific attainments live too much to themselves and are too indifferent to public opinion. Most scientists seek the approval and praise of other scientists, but pay little at tention to the general mass of men. As a consequence they do very little in the way of popular education. They do not arouse those loud contentions and hot contro versies that compel the attention of the people to the cause a' issue and thus lead to the spread of knowledge. Many of them now living may be as able or perhaps abler than Huxley to discover new truths, but they have not his aggressive desire to force the new ideas on the world. They are students, but not teachers, and therefore the world has weighty cause to mourn the loss of the gifted and pugnacious Irishman who has just gone to his grave. AN ABLE TREATISE, The elaborate treatise of John P. Young on " Bimetallism and Monometallism," published in the Sunday Chronicle, will take rank among the most important con tributions to the popular discussion of the subject in this country. It is a weightier and more reliable work than " Coin's Financial School," but is equally clear, vigorous and interesting. It occupies somewhat of a middle ground between the learned essays of the professors of finan cial science and the popular orator; and while it exhibits the fairness and wide knowledge of th« schools it has the earnest ness and directness of statement that are pleasing to the people. In the widespread discussion of the problems involved in the choice between bimetallism and monometallism, there has been so much of misrepresentation and misstatement on both sides that the treat ise of Mr. Young is of no little value to the public. It bears evidence of having been written in haste and could be improved in runny particulars by cartful revision, as some of the points in the general argument are repeated two or three times, while others equally important are not suffi ciently elaborated or emphasized. Never theless it furnishes the roader with a fairly comprehensive presentation of the general principles underlying th« controversy and the effect of the demoneMzation of silver upon the world at large and this country in particular. Eastern writers have furnished so many books and pamphlets on the subject that it is gratifying to see a California author coming forward to take a leading place among them. Mr. Young has made an able argument for bimetal lism and the monometallists will find it harder to refute than Coin's work, against which they have directed styh a multitude of replies. AROUND THE CORRIDORS. T. M. Brown, or "Mac" Brown, as he is known all over the northern counties of the State, the perpetual Sheriff of Humboldt County, is in town. ''Mac" Brown has the longest of all records as a Sheriff. Away back in 1861 he was elected Sheriff of Klamath County, at the same time that Jchn P. Jones, the Nevada Senator, was elected Sheriff of Trinity County. Although a Demo crat, his popularity kept him in office all through the war, and he held the office, term after term, until August, 1874, when, by an act of the Legislature, Klamath County ceased to exist, and its territory was divided among the neighbors. This brought "Mac" Brown's slice of the county into Humboldt and he had to wait until the next election for his old office. In 1877 he became Sheriff of Hum boldt County and has remained in the office ever since. "Humboldt is strongly Republican and yon are a Democrat, are you not?" he was asked yesterday at the Ruse. "Yes, but we have very good Republicans up there. I. a man wiil observe two things he can get along with the people well enough; those are, never to hurt a man's feelings about his religion or his politics and to try to treat every one he comes in contact with fairly." Asked about crime in Humboldt he said: "While I was in office In Klamath there was only one hanging. That was of an Indian who had killed a white boy. In Humboldt there have been but two men hanged. There is very little rowdyism in the county. We have a very good and peaceable class of people. There are people, too, from all ov«r the world, except Chinamen. At least there are very few of them. Up in the northeast corner of the county there are some fifteen or twenty min ing on the bars, who have been there a great many years, and one at Camp Oaston and one at Redwood." The Chinese in Eureka some eight or nine years ago were all sent away. They got to fighting among themselves and a stray bullet one day killed a member of the Council. It happened that both the San Francisco steam ers vrere bar-bound in the harbor at the time. So without any violence all the Chraeee were put aboard with their effects, one faction In each steamer, and sent away. PERSONAI.. C. L. Adams, a large land-owner of San Jose, is at the Lick. W. H. McKenzle, a banker of Fresno, is stay ing at the Lick. E. D. Ham, Superior Judge of N>pa County, is at the Grand. W. Blaisdell, a sugar planter from the Islands, is a guest at the Occidental. Professor Earl Barnes of Stanford University and Mrs. Barnes are guests at the Grand. H. de Vries van Danburgh, a vineyardist of Bt. Helena, registered yesterday at the Lick. B. C. Holly, a big stockman of Vallejo, was was one of yesterday's arrivals at the Grand. D. E. Knight, a leading capitalist of Marys vllle, was one of yesterday's arrivals at the Lick. Jesse D. Carr, a big land-owner and well known politician of Salinas, ia at the Occi dental. General T. H. Sheehan of the Sacramento Record-Union came down yesterday and regis tered at the Occidental, William Beckman, an ex-Railroad Commis sioner, came down from Sacramenty yesterday and put up at the Grand. Francis! E. Storm, chief bookkeeper to the United States Commissioner of Railroads at Washington, Is at the Grand. Edward B. Whitney, First Assistant Attorney- General of the United Statss, came up from Monterey yesterday and is at the Palace. C. J. Johnson, a big commission merchant of Chicago, dealing principally in California canned goods, registered yesterday at the Grand. Captain C. J. Campbell, Superintendent of the Int«r-liland Steam Navigation Company of Honolulu, came In on the Australia yesterday and is stopping at the Occidental. Dr. Wright, one of the oldest sugar planters of the Hawaiian Islands and a resident of Ko loha, aud his wife and two children, were among the passengers on the Australia. They are up here on a short visit and are domiciled at the Occidental. PROMINENT PERSONAGES. Jerry Simpson is about to start on a wagon tour through Kausas, combining potato ped dling with populism. Bismarck has fought twenty duels and was only wounded once, his adversary's sword fly ing from its handle and cutting his face. Frank Stockton still receives an average of a letter a week on the solution of "The Lady or the Tiger" puzzle, and says he is as uncertain about it himself as when he wrote that mar velous conceit. Thomas Butler, an Englishman who was the companion of "Chinese" Gordon during many of his adventures, says that there la no reliable evidence that Gordon was killed at Khartoum, and inclines to the belief that the old hero is a captive in the wilds of the Soudan. Sir John Tenniel of "Punch," the prince of political cartoonists, is now well advanced in years— tall, erect, vigorous and soldierly in ap pearance. His famous drawings have been executed with the aid of one eye only, he hav ing lost the other in early youth by tne misdi rection of a foil in a friendly fencing bout. He Is a great crony of Irving and Tooie. Matthew Boulton and James Watt's Boho foundry at Birmingham, where Watt worked out his Idea of the steam engine, after an ex istence of 133 years is now idle and will soon be broken up and dismantled. At one time it employed 4000 men, but its business died away, and when it dosed its doors it had only 400. Charles C.Harrison has given $500,000 to the University of Pennsylvania in honor of his father, the late George Leo Harrison, LL.D. Mr. Harrison stipulates that the fund shall be known as "The George L. Harrison Foundation for the Encouragement of Liberal Studies and the Advancement of Knowledge." Mr. Wanamaker has increased his life in surance to the remarkable aggregate of $2,000, --000. He is certainly the most heavily insured man in America, and possibly in the world. John B. Stetson of Philadelphia has policies on his life for $750,000, and Hamilton Disston for $600,000. Chauncey M. Depew is said to be insured for $500,000. UP TO DATE JOKES. "You are engaged, I hear, Harkaway?" "Yes. To Miss Boston." "Indeed. Charming woman. I suppose, like all Biaton girls, she can converse in Greek?" "I suppose so." "Suppose so?" "Certainly." ••Don't you know?" "I do not, my dear fellow, for, candidly, I don't know Greek when I hear it."— Harper's Bazar. Cora— lsn't the Vatican the largest residence in the world? Merritt— l once thought so, but judging from all the personal relics now on sale, the largest must have been the place where Napoleon lived.— Judge. "How does Miss Blissly like you?" said one young man. "Not very well, I'm afraid." "She hasn't been rude to you, has she?" "No. But whenever I call she gets her little brother to recite 'Little Drops of Water,' and then plays 'Home, Sweet Horne 1 on the piano." Washington Star. Justice— You say that the prisoner leveled a pistol at your head? Complainant— Yes, your Honor. And the prisoner is only a little over 5 feet in height, while you are mpre than 6 feet; the thing is manifestly impossible. The prisoner is discharged. Call the next case.— Boston Transcript. Mrs. Hiram Daly— And have you any refer ences? Applicant— No, mum. Oi tored 'em up. Mrs. Hiram Daly (in surprise) — Tore them up? How foolish! Applicant— Yez wudn't think so, mum, if yez had seen 'em.— Chicago Tribune. Fuddy— What a fellow to brag Gale is 1 He is all the time blowing about the persons he has saved from drowning. Duddy— That's all right. A life preserver, you know, is full of wind.— Boston Transcript. "Father," said the boy, "what is insolvent?" "Insolvent," was the reply, "is simply a long word to describe a short condition."—House hold Words. Old-Timer— You say Jones and Smith sepa rated before they got their financial discussion finished? Second Old-T.imer7-.Yes, Jones died of old age !— Detroit Free Press. Friend— And do you belong to the realistic school of writers T Author (despondently)— l guess not. I have never been able to realize on any of the stuff I've written.— lndianapolis Journal. POET A LA MODE, BY JOSSOT. ' 'Zyz'l {From La Flume.] ; THE WOMAN'S AUXILIARY. Epißcopal Church Helpers Re port the Result of a Month's Work. Preparations for Future Services. The Art of Pyrography Revived, The Woman's Auxiliary to the BoaTd of Missions of the Episcopal Church held ita regular monthly meeting at Grace Church yesterday afternoon. Aiter the disposal of routine duties of the meeting the secre tary, Mrs. Lawder, called attention of the members to the several funds and spoke particularly of the privilege of self-denial for the woman's offering to be made at the general convention to be held at Minne apolis next October. An interesting fea ture of the California Auxiliary that was also considered is the altar fund, consist ing of contributions from the Altar So ciety, which has charge of the chancels in the diocese, and from which fund one or more altars are erected each year in the missions. These altars have revived the art of pyrography in their adornment. A letter was read from Miss Kate Hampton of Cashier Valley, N. C, thanking Golden Gate Circle of the King's Daughters, through the auxiliary, for a generous gift of altar linen. The auxiliary accepted the invitation of Rev. John A. Emory of the Church of the Advent to hold its corporate union in that church on Transfiguration day, August 6, wneu Bishop Nichols will celebrate, for the auxiliary and for the King's Daughters, to which all other chapters of the order are also invited. The collection yesterday goea to the organ fund for the mission at San Ardo. The ladies present were urged to seek for an organ that may be in present disuse and report to Mrs. Lawder at 2805 Wash ington street. Ah entertaining feature of the meeting was the report of the secretary of her visit to Los Angeles, where she attended the adjourned annual meeting of the auxiliary held in St. Paul's Church. The services opened with the celebration of the holy communion, partaken of by 200 communi cants. Key. JL J. Lyon of St. Stephen's Church, this City, delivered the sermon. I n the afternoon a very large and en thusiastic missionary meeting was held and encouraging reports were heard from the Woman's Auxiliary, the junior depart ment, the babies' branch and the Church Periodical Club. Bishop Nichols add re seed the gathering, and Mrs. J. D. Browne read a paper on "How Best to Interest in the Work of the Auxiliary." The mission work in the church of St. Paul's was commended to the auxiliary by Mrs. Lawder as a tit object for its united efforts. She said this mission work had been wonderfully successful in securing positions for young women. Mrs. Lawder also reported pleasant meet ings at the Church of the Ascension, East Los Angeles, and auxiliary branches in Pomona, Pasadena and San Gabriel. The meeting adjourned to Monday, Au gUßt 5. Sudden Death of a Cook. H. F. Sherburne, a cook, aired 37 years, was found dead in his bed at 219 Golden Gate ave nue yesterday morning. The Coroner thinks that death was due to natural causes, but an autopsy will be held. BANKS AND DIVIDENDS Interest Reductions, but the Significance Considered Favorable. LARGE BALANCES ON HAND. The Financial and Business Outlook Promising and Real Estate Improving. Dividends on term and ordinary deposits became payable yesterday at several banks in the City for the six months ending June 30. In two or three instances it was notice able the rate o! interest had been reduced, but on inquiry it is learned the significance attached the^to is favorable in a general way, rather than the reverse. The depositors, however, are the ones to suffer, though the causes leading to the reduction have a favorable bearing on the local world of finance and the business out look in general. The banks have so far recovered from the baby panic of two years ago (though an unusually healthy infant it was) as to hold large balances on their hands. This is one of the causes operating in the matter of the reduced rate of interest in the cases cited hereinafter. Another cause is that the country banks were slower in recovering from the panic of two years ago and the City banks find themselves compelled to give time on their collections therefrom. The third cause has its origin in the antici pation of an appreciable increase in the rate of City taxation. Be this as it may, the bankers offer a consensus of opinion to the effect that the outlook financially, commercially and for real estate is better than for a long time paat. Real estate is on a firmer basia and is improving steadily. The truth of this may be judged from the opinions quoted below : F. M. Belgrano, secretary of the Colum bus Saving and Loan Society, said : "Our rate of interest is the same this year as last. The outlook is most favorable. Real estate is on a better foundation than for some time past. We could loan all the money we have on good security and at satisfactory rates. I suppose the probable increased rate of taxation has something to do with the reduction in interest rates on the part of some of the banks. I think everything promises well." "Our rate is the same as before," said Lovell White, cashier of the San Francisco Savings Union. "Of course it takes time for the banks to recover from such a siege as they had two years ago. The body politic is like the individual in that respect. One may be taken sick in a day, but it takes thirty or sixty days to recuperate. The banks and big financial institutions have recovered and the outlook generally is good. Business is on a solid and satis factory basis." i4 Our reduction of 2-10 per cent on term deposits, from 5 to 4 8-10 per cent," said Cashier Schmidt of the German Savings and Loan Society, "is due principally to the large balance on hand. But finances are improving and I look for a much greater advance." Secretary Abbott of the Security Savings Bank said : "Our reduction from 4 8-10 and 4 to 4\i and 3J£ is the result of the antici pated increase in the rate of taxation and to the increased daily balance on hand. J think, however, the outlook is enconraging and that business of all kinds is about to take an upward turn." "We have made no reduction in our in terest rates," remarked S. C. Bigelow of the Savings and Loan Society, "but I sup -Bose where such reductions have occurred ley are due chiefly to the difficulty ex perienced by the banks in collecting coun try loans. As far as the outlook is con cerned, I feel well content to await the issue of the next few months. Affairs financial are on an upward trend." "We have made no reduction," said Cashier Brand of the Humboldt Savings and Loan Society. "The business outlook I regard as being quite encouraging, though I cannot say as much for real estate. Be ing a land and house owner myself, I have some reason to think differently." George A. Story, cashier of the Mutual Savings Bank of San Francisco, replied to a question concerning interest reductions by saying: "There has been no reduction in our rates of interest on deposits, but I suppose with the banks which have re duced their interest the cause was that of a decrease in their earnings and difficulties experienced in placing loans on secure in vestments, Business generally, I think, ia improving." Infected. Ferns Destroyed. When the steamer Australia arrived yester» day from Honolulu. Quarantine Officer Craw of the State Board of iforticulture was at hand to see that no infecwa plants were permitted to be landed. Atythis time of the year but few plants aA received, but neverthe less Mr. Crapr found a dozen infected ferns and /aims on the steamer. These were cpvsmQ with a black scale called Lecomiumjr lt resembles the black scale, and It is a pat new to this State. The infected plants mMc thrown overboard. / *~*~~* / The Ax Has Fallen. Intgrna* Revenue Agent B. L. Cromwell yes terday appoic^dD. C. Dixon to fill the posi tion of clerk in ulrnffice made vacant by the removal of W. Gilchrlst. The latter is a Repub lican and Dixon is a Democrat and an old resi dent of this City. Paeon Printing Company, 503 Clay street ' Wink-dbinking people are healthy. M. &. K. wines, 6c a glass. M ohns <fc Kaltenbach. 29 Mkt* Catarrh cured and no pay until cu£d. Treatment at office free. 925 Howard street. • Fot/rth op July Candles cheaper than beef steak; Broken and Muted Candies, perfectly pare, 10c lb.; Cream Mixed, in Japanese bas kets, 25c lb. ; Cal'a Glace Fruits, in Jap. baskets 50c lb. Eeduction In large lots. Townseud's • Ovebwop.k, worry and nervous excitement are ruining the health of thousands. By Its peculiar curative power Hood's Sarsaparilla makes pure blood and steady nerves. If your complaint is want of appetite try half a wine glass of Dr. Siegerfs Angostura Bitters be fore meals. In Italy self-destruction is in most cases the denouement of a love drama, whereas in France out of an average of 6500 auirides a year there are not more than about 300 that can be classed a 8 suicides of passion LA BELLE CREOLE CIGARS MANUFACTURED BY S. HERNSHEIM BROS. & CO., NEW ORLEANS, LA. RIMLDO BROS. & GO., PACIFIC COAST AGENTS, 300-302 BATTERY ST., S. F. Branch Store— 29-31-33 South First St., San Jose, Cal. j>_EW TO-DAY. . SWORN STATEMENT Of the Condition and Value on June 80, 1895, of the ASSETS AND LIABILITIES -OF THE——" San Francisco Savings Union A Corporation doing business at 532 CALIFORNIA STREET. NE. Corner of Webb Street, City and County of San Francisco. State of California. ASSETS. I— Promissory notes, secured by first lien on real estate within this State, the actual value of ,„„,_„„,, which notes is »19,210,260 11 2— Bonds of municipal and quasi- public corporations, the actual value of which is 1,491,106 33 Part of these are kept In the vaults of thla corporation and part in a box rented from the National Safe Deposit Company, in the city of New York. . „ __ „_ S-Bank premises 467,890 66 Situated at the northeast corner of California and Webb streets, in the city of Ban Francisco. 4-Other real estate 1,274,768 46 Situated in the Stateof California: part of it is productive, and it is of the actual value stated. 6— Temporary investments. Bonds, evidences of indebtedness and shares of capital stock of municipal, quasi-public and in- dustrial corporations, other than mining, upon which this „,_„.,_ ,_ corporation has advanced 2,033.610 48 All said bonds, evidences of in- debtedness and stock- certificates are kept in the vaults of this cor- poration. _ B— Bafes and furniture in the office .-.,-- of the bank of the value of 16,584 13 7— Cash in United Stares gold and ,___,___ silver coin 1,108,01505 Of which there is: In vault f 449,938 59 In bank 668,076 46 Total assets f 26,101,208 46 LIABILITIES, I— To depositors corporation owes deposits amounting to, and the actual value of which is ? 24,303,872 61 The condition of said deposits is that they are payable only out of said assets and are fully se- cured thereby. 9— To stockholders : Capital stock $1,000,000 00 Reserve fund.... 136,84194 „„«,.. The actual value of which is . . 1,136,841 94 The condition of said liability to stockholders is that no part of the amount can be paid to them, or in any way withdrawn except In payment of losses, during the existence of the corporation, nor until all depositors shall have been paid in full the amount of their deposits and declared dividends. B— Contingent .fund, including the amount of accrued, but uncol- lected interest on investments. . 606,404 84 4— General accounts, balance 8,864 64 These accounts embrace amounts held for purposes of guarantee and sums, the final application of which has not been deter- mined. s— State, county and city taxes. Balance undisbursed 145,134 82 Total liabilities ..»26,1 01,20845 San Francisco, July 1, 1895. SAN FRANCISCO SAVINGS UNION, By (Signed) ALBERT MILLER, President. (Signed) LOVELL WHITE, Cashier and Secretary- State of California, City and County of Sao Francisco, ss.— Albert Miller and Lovell white being each separately and* duly sworu, each for himself, says: That said Albert White is President and said Lovell White is Cashier of the San Francisco Savings Union, the corporation abOTe mentioned, and that the foregoing statement is true. (Signed) ALBERT MILLER, (Signed) LOVELL WHITE. Subscribed and sworn to before me thia Ist day Of July, A. I>. 1895. (Signed) THOB. E. HAVEN, (Seal) Notary Public. San Francisco, Cal. EIETEITfI SEIIAMUJL STITEIEtfT ■• OF THE MUTUAL SAYINGS BAI Of San Francisco. 88 POST 1 STR.EET. Capital Stock subscribed 51, 000, 000 Of which has been paid in gold coin , 300,000 STATEMENT Of the condition and value of the assets and liabili- ties of the Mutual Savings Bank of San Francisco, a corporation doing' business at 33 Post st., city of San Francisco, State of California, and where said assets were situated on June 30, 1895. ASSETS. Promissory Notes, secured by first mortgage on Heal Estate, within this State and Oregon. The actual value at said promissory notes is f 1,699,800 11 Real Estate taken for debt. 22,813 09 Miscellaneous Bonds 716,042 29 Bonds, Evidences of Indebtedness and Shares of Capital Stock of Corporations upon- which this Corporation has advanced 489,983 30 (All said Promissory Notes, Bonds, Evidences of Indebted- ness and Stock Certificates are kept In the vaults of this corpora- tion and in Safe Deposit hoses in the Deposit Vault Department of the First National Bank.) Cash in Gold, Silver and Currency, the actual value of which is : In vault 8 62,27107 In bank 383,893 20 436,163 27 Furniture and Fixtures. 2,546 21 Taxes paid, in advance 420 41 Total .assets 13,866,718 68 LIABILITIES. To Depositors this Corporation owes Deposits amounting to, and the actual cash value of which is $2,987,686 65 To Stockholders : he amount of Capi- tal paid in, the actual value of which is 300,000 00 (The condition of said liability to Stockholders is that no part of the amount can be paid to them, or in any way withdrawn, except in payment of losses during the existence of the Corporation, nor until Depositors shall have been paid in full the amount of their Deposits and declared dividends.) Contingent fund 70,032 03 Including the amount of accrued but unuollected interest on in- vestments. Total liabilities 93,366,718 68" MUTUAL SAVINGS BANK OF BAN FRAW- CISCO. By JAMES Dt PHELAN, President. QEO. A STORY, Cashier. STATE OF CALIFORNIA, \ County of San Francisco. j aB " We cio solemnly swear that we have (and each of us has) a personal knowledge of the matters con- tained in the foregoing report, and that every alle- gation, statement, matter, and thing therein con- tained is true to the best of our knowledge and belief. Subscribed and sworn to before me this Ist dayef July, 1895. JAMES D. PHELAN, President. GEO. A. BTOBY, Cashier. B. D. McElroy, Notary Public. INDORSED BY ALL THE LEADING PHYSICIANS AND DENTISTS! FREDRICK'S SANITARY TOOTH BRUSH With Tongue-Cleaner Attachment DON'T GO AROUND WITH A' BAD TASTE In your mouth or coated tongue. A preventive against throat diseases. Mailed to any address on receipt of SO CEISTTB. WILL & FINCK CO., 818-820 Market St. NOTARY PUBLIC. pHARLES H. PHILLIPS, ATT C OBNJEY-AT V law and Notary Public, 638 Market St., oppo- site Palace Hotel, Residence 1620 Fell at. Tele- phones7o.