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The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, December 08, 1907, Image 22

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California Safe Deposit and Trust Company Declared Hopelessly Insolvent
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Continued From Fajge 17, Column 1
lties. The time will elapse on Tuesday.
Meanwhile Bartnett has tendered his
resignation as trustee of the estate.
The depositors, who up to the last
minute had been hopeful that a plan
could be devised by which the. bank
mlg-ht continue, acknowledged that the
concern was so deeply involved that
resuscitation was impossible. The^tate
ment prepared by the depositors was
even more dismal than that of the com
mission, and after setting down assets
and liabilities left the conclusion open
that the bank could pay no more than
S3 1-3 cents on the dollar. Others who
.have canvassed the accounts with
g-reater care gave it as their opinion 1
that the bank should pay between 40
and 60 cents on the dollar. From a
sreneral examination it would appear
that, with a favorable market^the con
corn should be able to liquidate for 50
cents on the doilar. . ' y <\u25a0' '/\u25a0'-. '•
It is not a pretty showing for 'what
had been regarded as one of the big
Institutions of the city, but the whole
effair is a sad story. It is a tale of men
overzealous in their chase for wealth, j
lei into paths that no resnonsible finan
cier would tread. It is the story of the
destruction of state wide reputations.
It Is a tale that carries sadness at the
Christmas season into thousands of
\u25a0homes. j
While the doni-nciation of the men
responsible for the state of affairs wa3
yesterday, the statement was
authoritatively made that the Safe
Deposit company stood alone in its sys
tem of ftnar.ee among the banks of the
city. Anicrg conservative bankers
there was not a great deal of surprise
at th" exposures. The California- safe
deposit and trust company had for some
time been under suspicion by the busi
ness world. The. deposits, amounting
to $5.745.4fc.7.53, aie due for the most
part to professional men and laboring
people. Physicians, clerks and army
officer? make up a large part of the
list. The bank has been catering to
the small depositor since the fire, and
by lavish advertising has secured hun
dreds of new customer?. The -building:
trades council had $100,000 on deposit j
in the Institution. Several labor unions
will lose heavily, as will many of the
women's clubs.
An examination of th« accounts of
the bank «,how«-«i that ?2. 500.000 had
been loaned to corporations which the
bank controlled. These "company"
loans are scattered among nearly a
score of industrial concerns floated with
the bank's nionry. These enterprises,
vlth the possible exception of the
Carnegie brick company anu the tel
Dorado lumber company, have not
yielded the e\peeted returns and heavy
advances have been made by the bank
to carr,}- them along. Thesp two com
panies and the Pacific window glass
company were organized ?n<s equipped
by the bank at an expense of nearly
$5,000,000. The "company loans" are
as follows:
BerkWpy chemical company $50,000
Tre«dwe!l loans £07,500
Bradford leans 451,910
Tr'nlty power and water company.... lOO.uOft
Carnegie loans JW>,OOO
Pacific glass cntr.pany loans 100.000
Xl Dorado lumbor company 250,000
California comect and lime company, . 50,fxK)
Trinity Bonanza King ruining company 269.000
6. F. and San Joaqula i-oal company.. 116.000
Xl Dorado lumber comp»ny 30,000
Trinity county 25.000
El Dorado lumber company 30,000
Total $2,429,410
The Bradford loans, amounting to
$451,910. refer to money advanced to
Brodie M. Bradford, secretary of the
Alameda and San Joaquin railway and
the San Francisco and San Joaquin coal
. company. Bradford, up to a few days
ago, was secretary of the Western Pa
cific. He resigned at the time the Gould
line eliminated the safe deposit people
from the corporation. It is said that
the Western Pacific will suffer to the
•xtent of some $250,000. This Is the
balance that the line carried in the
bank in order to meet its obligations on
this side of the divide.
What are set down as the Treadwell
and Trinity loans are those advanced
to the corporations of James Treadwell,
a director of the bank. These 'reach
the enormous total of $1,201,500. It is
etated that a further investigation will
show that still other loans were made
to Treadwell and his companies. The
bank claims that the Treadwell and
Broadford loans are secured. Bartnett
and Brown denied the charges made
against them. Brown gave out the fol
lowing statement last night:
The statement that the California safe deposit
rr* trust company is insolvent is untrue. A
committee of stock holders of the bank have
t>een working all day examining the affairs of
tb<? institution. It is the opinion of the com
tnittee that with tie co-operaiioa of the depos
itors tnd with changes in the directorate, the
company will be able to resume. The statement
that lcrpe loans have been made to a clerk
without nocurity Is not true. The loans to B.
}•'.. Bradford ere secured end the notes also are
fraaranteed by James and John Treadwell. These
den have Urge Interests and their obligations
la my opinion can be collected. The company
owns practically all the stock of the El Dorado
lumber company, which company is a reorganiza
tion of the American Illver land and lumber
Fifteen y*-irs ago loans were made by the
Xnrmer management to the American Elver land
fr.<! Intnbpr <"unipeny. To nrotect the loaus made
\u25a0to that company it ix-came essential that the
California safe deposit tind trust company ad
iirance mooT* which subsequently were put into
tile El Dorado lumber company. The El Dorado
3um!>cr fotnpany is now In successful operation.
J)uriiig tlie last Reason it cut 38,000,000 feet of
lumlxT and is now \u25a0 dividend paying concern
•.nd lias boen for the last two years. Loans
ft!»<i<» uuder a former management to the San
I~ranclc<-o xn<l San Joaquin coal company re
c :;!«-rj the •»>;>* ny to advance the moneys which
were put lino the Carnegie brick and pottery
company. The Carnegie brick and pottery com
t>any is a property which Is valued by M. A.
Jdurpbv, it* general manager, at $5,000,000. It
Is on a profitable basis, earning over $30,000 per
toonrh. It i<- my opinion that the depositors of
the institution will be paid doll&r for dollar.
The stock bolders generally ir» showing a
willingness to pay the assessment* levied on the
«tock. With the co-operatioa of depositors and '
etock fauldiTS In my opinion - the company can
mfely resume. The depositors, aggregating over
»2.C00,000. bare already signed die agreement
ti* ending the time of payment.
None cf the officers or director* of the bank
•re interested In the Pacific window glass com
pany or the El Dorado lumber company. Mr.
Treadwell has a «mall Interest In the ;Carne;le
brick and pottery company.
I don't own ooe euare of stock of the Car
lipgie brick and pottery company, the Pacific
window glass compaiij- or the El Dorado lumber
company and have vet speculated In these se
Among the \assets of the bank is
stock in the Western Pacific estimated
to be worth $600,000 to $800,000. There
Is no market for this stock at the pres
jcot time and it will require time to
realize on it. ,
The stock of the bank is held largely
cmo.iS the directors. W. J. Bartnett, W.
J". Barton. J. Dalzell Brown, R. D. Fry,
E. X. Harmon, William "C. Peyton,
James 11. Sales. A. D. Sharon, James H.
Fwift, James Treadwell and. David F.
Walker.- Of the stock 26.250 shares
have been issued. .Treadwell is cred
ited with the ownership oi s'ooo shares.
Walker holds 800. Brown is down on
the books for $77, but is generally be
lieved to hold more. Bartnett's .por
tion appears on the books as 50 shares.
The l>Yy holdings amount to 600 shares.
Smaller blocks of stock are held among
6ome of the larger depositors.
Some of the individual loans are of j
rreat size. Bartnett's overdraft is said
to reach $42,000. The Fry estate has an
overdraft of $130.000.. This sura Is re-
K^rded as collectable, as the Fry' hold-
Jng* are very extensive. -
On*> of the largest creditors is an Og
•3<n bank, which has $252,000 with 'the
Institution.^ Several basks In the In
i terlor have small reserves. with the Cal
j ifornia safe deposit eomapny,, but none
! are large enough to cause any appre;
her.pion. Abc'fiuef is a. creditor of the
Institution to' the amount of $50,000.
This loan is regarded as first class, for
Ttuefs unencumbered holdings will ap
proach $1,000,000. The Fillmore Street
improvement company has $7,000 in. the
bank. Public Administrator Stulz has
a large amount in the institution. J.
Dalzell Brown is heavily interested in '
the Farmers' and Merchants' bank of
Colusa and the Sacramento Valley bank
at Biggs. It is not known what effect
the failure will have on these two con
The Union national bank of Oakland,
j which is controlled by the California
safe deposit interests, it is said, will be
able to weather the storm. The bank
has a great deal of money out that it
will find difficult to collect but with
time.it is believed it will be able to
regain its feet. The commission will
give it an opportunity to do so. It has
$50,000 on deposit with the California
safe deposit and trust company. It I<?
said that this came about through a
peculiar transaction. The Union na
tional desired exchange on New York
and arranged to procure it through the
safe deposit company. It sent the $?0.
000 over to the local bank, which then
forwarded its draft on New York. It
!is said that the draft was not paid
and the money remained with the safe
deposit company.
On behalf of David F. Walker the
statement was made yesterday that h»
knew nothing of the condition of the
bank and occupied a sort of honorary
position. It was said that Walker ten
dered his resignation on Thanksgiving
day. but that the directors refused to
accept it. Yesterday he sent in his
resignation with a demand that it be
accepted. The other officers of the
bank are not disposed to take upon
themselves the full burden and assert
that President Walker had ample op
portunity to know what was going on. :
The following letter bearing on
Walker's position was addresed by his
attorney, W. 11. Chickering, to the bank
T regret my Inability to come over today. I
hsve been carefully over nil the data furnished
me hy Messrs. Bartnett and Brown an.-l I can
not s«e that putting up all the property owned
by either Mrs. or Mr. Walker would rnable the
bank to meet the requirement of bavins on
hand CO per cent In cash of Its deposits. I am
therefore constrained to believe the only course
Is liquidation. If the assets are nursed and
carefully handled I think depositors will get a
large percentage of their money and I feel It
<Jue to them to have this done. Let roe assure
you again that the true condition of the bank
only became known trf Mr. Walker last week
and that the revelation is a great shock to him
as well as to yon.
If I can aid you in any way you mir com
mand me and Mr. Walker will reach so far as
his assets enable all calls made upon stock '
A committee of stock holders of the
bank, composed of J. C. Brickell, A. M.
Bergevln, O. M. Goldaracena. J. W.
Orr, P. J. Walker and Luis Fatjo. sub
mitted the following optimistic report
last nigfit:
The undersigned committee of the stock hold
ers appointed by the board of directors to make
an examination of the affairs of the bank 'makex
the following report, having made an investi
gation Into the affairs of the California safa
deposit and trust company.
We find that the company Is the owiwr of
nearly all the securities of several Important
companies. Including the Carnegie brick and
pottery company, the Pacific window glass com
pany and the El Dorado lumber company. We
find that the company also lias . a large amount '
of available call loans, aggregating about | two
and a half millions. It owns the real estate sit
uated at the corner of California nnd Montgom
ery streetsj valued at at least $800,000. Includ
ing vaults. Its total loans aggregate about $4,
900,000. Some of tfeese loans will require time
to collect. Some of them are well secured.
The company has a surplus of about $300,000.
The main underlying assets of the company are
From the examination that It has been pos
sible to make In the limited time allowed the
committee. It is the opinion of the committee
that with the co-operation of the depositors and
a change In the electorate the company can re
sume with safety. Two calls or assessments on
the capital stock to the amount of $20 per share
will be -levied. These calls, the committee Is of
the opinion, will be paid generally by the utock
holders, provided the co-operation of the de
positors can be obtained and a receiver is not
appointed. We believe the company to be
solvent and that a contribution by the *tock
holders of $525,000 in the form of assessments,
together with the surplus of over $300,000, will
make up all losses that might be sustained
through bad loans or investments, leaving the
capital, amounting to $2,025,000. unimpaired.
A general meeting of the stock' holders lip«
been called for ; Monday, December 9, at the
hour of 3 o'clock, to consider the general
finances of the company, with a view of co
operating with I the depositors to reopen the In
stitution. It Is proposed that the directory of
the bank be reorganized and that the depositors
and stock bolders co-operate . to effect such an
In strong contrast to the above is the
following dismal statement given out
by a committee of depositors, deduced
from figures submitted by the bank's
officers: •• •
Cash on hand In bank at time of
suspension $484,210
Estimate of loans and discounts.. 2,000,000
Possible, collections from Insurance
from the' conflagration pt 1906 20,000
Value of safe deposit vaults of the
parent bank and Its branches 50 000'
Estimate of value of real estate 875 000
Other real estate 100,000
Total $3,520,210
Dne depositors and banks and
> bankers ....$9,091232 01
Other liabilities ....*. 3.504!07
Total $0,595,030.08
The committee gives here below 1\«- findings
in regard to the statement -which the bank
gives forth under caption. "Ix>ans and dis
counts. $4,990,807.49." The committee places
very little value on the availability of this
Attorney General Webb will take the
matter Into the courts tomorrow. He
will file a petition which will set forth
that the condition of the banks war
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rantsithe appointment of a receiver.. .If
opposition is manifested he willfpre^
pare a case and the matter; will .be
heard' by one of the superior judges. It
will; then fall to the judge) to appoint
tlv» receiver. This 'receiver; will 'be
given power i to ' wind .up the affairs of
the,' bank under the supervision; of j the
court; This will require a number of
years.-: . \u25a0 '•.-'\u25a0 ;;\u25a0-£ v~- 1 :
: J. Dalzell Brown and . Bartnctt spent
'the day at the bank at California and
Montgomery s.treets. Brown pointed
out to the numerous depositors who
called that tli6 bank \u25a0 had • $500,000 in
cash on hand. Both Bartnett' and
Brown were .obviously -.nervous.'.' .They
looked tired and worn."
The following statement was given
out 'by the bank commission, 'showing
the condition of th/ bank oh October
30, when it.closed, its doors:
Bank premises ; :. ....... $!)97,2.13.7.'i
Other real esttte ..., .....;; 141.858. 30
Stocks, bonds, warrants .....:.... 6,<H>2,050.y8
Bills rec., overdrafts 4,J)»0,507.4S
Mone.r. checks, c.b. ewr.. cash tags 589,564. 59
Ilanks. enr, accts., banks loaned.. 214,645:22
Furniture ...:.........' '-.. . 87,464. 0S
Expenses, taxes " 122,699.09
Other assets 144,741. (-2
Due branches from head office:...' GI3JJJCG.S7
\u25a0Total > ....$13,504,072.07
Capital ........TT.... $2,C2r»,000.00
Surplus and r. and L. 70.1,022.98
Deposits 8.745.487.53
Ranks, cnr. accounts 542.744.18
Other liabilities 3,804.07
Due branches 551, 613.01
Total $13,504,072.67
This statement shows, a heavy de
crease in deposits since June ; 30, when
the last statement had been submitted.
During the intervening months the
bank had been subjected to a steady
run, not of sufficient magnitude to at
tract outside .attention, but the with
drawals continued unabated for four
months. During this "period the de
posits were cul down something ' like
$2,000,000. A peculiar feature of the j
statement-is that it shows an increase |
in loans in the months mentioned. This I
increase amounted to more than $200,- i
000. j
The California safe deposit company
was organized in ISB2. . It has continued
to transact 'a savings and commercial
business In .San Francisco since that
time. It had not come, into special
prominence until 1902, when it became
the agent of George Gould in his effort
to obtain an outlet to the Pacific for his
eastern railways. In fact, it is said
that, Brown and Bartnett were success
ful in inducing Gould to tmdertake the
project. Tlioy had secured control' of a
•small coal line in Contra Costa county,
and this - was used as a base. The
Gould interests at once began ' to ar
range for franchises and rights of way
in California. This work was -intrusted
to Bartnett. \u25a0who became the 1 head of
the company's law department. The
safe deposit bank became the Gould de
pository in San Francisco.
Bartnett made a successful fight for
the Western Pacific in the state legis
lature and the 'construction of the road
was assured. AVl th the added prestige
thus attained the California* safe de
posit and trust company, under the
management of J. Dalzell Brown, began
to expand. In a short time its deposits
had approached $10,000,000. Like otner
establishments the bank sustained
heavy losses in the fire of April, 1906.
i After the disaster an advertising
campaign' was inaugurated, four
brarfches were established and the bank
began to reach out for business. The
branch banks were located at 1740 Fill
more, 1531 Devlsadero, 2572 Mission
street and Kentucky and Nineteenth
Vast industrial enterprises were
launched jin the form of the Carnegie
brick and pottery company, the - El
Dorado lumber company . and the Pa
cific window glass company. Enormous
sums were expended on these enter
prises and to sustain them it became
necessary to advance them large sums
of money. The drain became heavier
than the bank could stand. Then came
a general | slump in stocks throughout
the country, and with It a steady run of
depositors. The:bank was not a mem
ber of the clearing houseand found it
self in a perilous position- when tho
panic seized New York. The reserve
was depleted. The clearing house was
not disposed to assist the bank and li
was forced to close its doors.
Its officers are reputed as among- the
wealthiest men of San Francisco. Brown
has a large summer home in Lake coun
ty. It was there, by the way, that
Mrs. Nicholas Longworth was enter
tained when she last visited, California.
Walker has a large home in Pacific
avenue and Bartnett has a residence in
Mill Valley.
A desperate effort was made to save
the bank from a receivership, and to
that end the directors proposed to raise
$900,000 by an assessment and the "sal*
of stock and an additional $700,000 was
to be supplied by the directors indi
vidually. Some of- the directors have
already placed their property. In escrow
In the Metropolitan securities company,
a holding corporations but. upon the
advice of his attorneys, David F. Walk
er declined to be a party to the plan.
Walker has stated that he was shocked
to discover the condition of the insti
A committee of depositors conferred
on Friday with Governor Gillette This
committee met again yesterday,; morn
ing and canvassed the entire situation; 1
It decided to organize a corporation
composed of the depositors in order to
safeguard' the. interests' of those 'who
have money In the bank. ,
A meeting of the. stock holders has
Judge Slack Ends Relations
With Man Accused of
Looting Estate
Disappearance of Colton
Assets Blamed Upon
Bank Officials
. Charged .vrith, mismanagement nnd
conversion: of the funds of the Colton
estate, Uvtotterlnjc to financial ruin
through the failure of the California
sitfp drpo»lt and 'trust company,' of
uliieh lie In a director, and with his
name nmlrched with the taint of sus
picion,' Walter J." Bartnett ye.sterday re
ceived one blow that was hardest .: 6f
all to bear. _. Judge Charles \W: Slack,
for years Bartnett's close professional
associate, met him face to face yester
day morning, repudiated him complete
ly and with | one word severed | every
buaiuesn connection' that existed be
tween them. : •
Told Friday night of the charges
made against Bartnett by the attorneys
of Helene -Sac her,', contestant of Ellen
M. Colton's will, Judge Slack denounced
them as infamous; fabrications, but this
was before he had learned of the full
detail:; of the accusations against Bart
nett. Apprised yesterday morning
through The Call of th^ true status of
Bartnett's : connection with the alleged
conversion of funds belonging to the
ostate. Judge Slack admitted without
hesitation the seriousness of Bartnett's
position, notified "Bartnett that they
could no longer maintain offices or inti
mate business" relations together and
apologized to the attorneys making the
charges for his strictures concerning
them Friday night.
Judge Slack took occasion to express
his faith in Bartnett's honesty, despite
the action he had taken against him,
but did: not make the effort" to defend
him against the charges that have been
brought except to the extent of saying
he believed Bartnett had been duped by
his associates in the bank. On his
side, Bartnett reasserted his denial of
all the charges laid at his door, at the
same time agreeing to resign at once
as special administrator of the Colton
estate.: His denial carried with It no
explanation of the disappearance of the
securities: belonging to the estate,
which he now admits were taken from
the', vaults of the. California safe de
posit and trust company in direct vio
lation of the order pf court appointing
the company the custodian of these se
curities. - -
J. Dalzell Brown, vice president and
manager of ,the; California safe deposit
and trust company, who is 1 accused
been called at the bank for 'Monday
morning-., A number of the stock hold
ers agrree with Brown in the belief that
a receivership can still be avoided.
\u25a0 A riarge number^of speculators had
purchased the pass books ; at prices
ranging from 75 to 90 cents " on the
dallar. They will lose on their venture,
it is! predicted. '
with Bartnett by Helene Saeher's at
torneys of having participated in what
they ternvthe looting: of the estate, also
refused to give : any . explanation of the
disappearartceof nearly $500,000 worth
of cash and securities belonging to the
estate. . When ; approached ' by Judge
Slack for: an explanation,' Brown ; not
only 'refused to answer a single ques
tion, but openly insulted Warren Olney
Jr.; who accompanied Judge Slack to
his office. '.'-\u25a0
In reference, to, his repudiation- of tho
man with whom he .has been on the
termsy of closest business intimacy for
years' past, Judge Slack said yesterday
afternoon : , .'•\u25a0'. \u25a0 ' .
-When,' l : read the account ft the Colton" estate
imbroglio in The Oil this raornl,nsr- I. was
thunderstruck. In all I the years that I haTe
been associated with Walter J^Bartnett I bare
never for one Instant had the least doubt ol
hhn or his Integrity, and, l do notdoubt it now.
While; we have never, been partners la the law
business, we have for years past used the same
offices and halved 'the expenses. Following the
pubUcation of these charges apainst Bartnett I
saw'at once that this couultion of affairs could
continue: no "longer. , I • hated -to do wliat was
be-fore me; It was the hardest thing I ever had
to do tn my life— but- 1 did it: \u25a0
As soon .is the man came Into the offices this
morning I sent for him and\ asked blm if the
charges made by the attorneys *tn theColton
will case were true. He denied them, pro
testing' his innocence. 1 asked h,im how he
accounted for the fact that he had sworn In the
superior court of Santa Crur. county seven months
after the . flre that- all the securities which
formed the assets of the Colton estate were
then In the vaults of the California -safe ile
poslt and trust- company, while In truth these
securities, •", as has since developed, were not
there. He asserted, and I have every reason to
believe that what he said is true, that there wa«
a. great deal- done In the safe dopSSIt and trust
company of which he had no intimation until
long after the event had happened.
Bartnett; told me that at the time of tbe'ln
vestlgatlon Into the status of the estate some
months ago. ? which, is referred to In The Call
this morning, be had . the receipts of to* trust
company in his possession and never, doubted
that the : property was there. Ho learned of the
disappearance of the money and bonds -only a
few days ago, he - said, and was terribly wor
ried about it. -
When I told him that the relations whirh had
existed between us for so long would have' to be
severed for good .and all, Bartnett broke down
and accused me of being cruel— maybe I was —
but I. could not help it.
I suggested to Bartnett that he put a personal
representative Into the office to take charge of
the . affairs of bis clients and added that' I
thought Marcel Cerf, who for years has been
the right , hand man of Bartnett In all of his
law matters, be appointed to the place. v Bart
nett agreed with me In this and said that be
was - dispirited to think that his friends were
going back on .him. I assured him that ". tills
was not so and told him that anything that I
could do would be done — but I could not have
Jilrn In, the offices any longer.'
-\u25a0 Then he left, and I have notseen him since.
That was about 12 o'clock or a Tittle before.
Judge Slack admitted that there had
been; some very personal talk between
himself and; Bartnett before the inter
view between them was overi* but re
fused to ;; repeat, any of the language
used: either by himself or ; his former
"He Is down and out now, I am
afraid,", the Judge said. "Why should
I rub the matter, in? Personally I be
lieve that the associates with whom he
has been in business in the California
safe deposit and trust company have
done "him. \u25a0 I think that his as
sertion that they. had done things be
hind his back of which he had no
knowledge Is absolutely correct, and I
feel sure that Bartnett is honorably
disposed toward all of his clients and
others with .whom he has had business
y "After my talk with Bartnett I went
to see J. Dalzell Brown, taking with
me as a witness Warren Olney Jr. of
the Western Pacific rallroadl To all of
my questions Brown refused positively
to return any answer, beyond saying
that the securities were not in the'
bank now and that they had not been
for some time. , He declined to say any
thing regarding their, present where
abouts, and when I pressed him tor some
information regarding them, swore.
'•When I told him that that was need
less and would get him - nothing, he
turned to Olney and said: 'Why iii
h— l is he here r 'He is here at my In
vitation,* I replied,- and Brown then
turned away, refusing- to talk further.
"I wish to correct one thing, if the
paper will be so kind. In The Call of
this morning I made certain strictures
against the lawyers who have stirred
up all. this trouble and said that I could
not believe that they had sufficient evi
dence on which to base their allega
tions. Since I haye t talkcd to Mr. Bart
nett, and especially since the conversa
tion with J. Dalzell Brown, I wi3h to re
Continued on Page 23. Column 3
How. To Avoid It and Escape a Surgical
Operation, Told By One
Who Knows"
A Simple Method That is Always Efficacious
It has only been a few years since It
was discovered that a surgical opera-
tion would cure appendicitis; In fact,
it has been but a short time since the
disease was discovered and named.
Whenever there Is an inflamed condi-
tion of the appendix, caused by. Im-
pacted faeces in the small cavity open-
ing Into the intestine, you then have
The older doctors used to call this in-
flammation of, the : bowels, and were
puzzled to. know the cause.
Even now. with all .the knowledge
we have of tho disease, no medical man
can tell you why' we should have an ap-
pendix, why we find It where It "Is, or
what are its functions. If it has any.
The -disease for which the operation
is a cure is usually. caused by indiges-
tion, and in many cases follows a large
-and Indigestible meal.
\u0084 Physicians have until recently recom-
mended an operation, but now, as it Is'
known that it Is caused by indigestion,
or dyepepsia, a cure without an opera-
tion Is assured.
Where the patient is treated with
Stuart's Dyspepsia Tablets, the un-
healthy conditions prevailing rapidly
disappear, the stomach and intestines
are placed back in their normal condi-
tion, every organ of the bodj* operates
as it should, and the Inflammation in
reduced and the operation Is avoided.
Conscientious physicians, who axe
looking after the best Interests of their
patients, will always keep a supply of
Stuart's Dyspepsia Tablets handj- In
their office, where In cases of sudden
attacks of indigestion they can relieve
the patient at once.
There is no record of a case of ap-
pendicitis where the stomach and
bowels were in a healthy condition and
properly digested the food from meal to
No better advice can be given to any
; one who has attacks of Indigestion, or
who has been threatened with appendi-
citis, than to tell him to go to the drug
store, pay 60 cents, and take home a
package of Stuart's Dyspepsia Tablets.
Whenever, heartburn, gas In stomach
or bowels, heart disease or" stomach
troubles, sour eructions, acidity or fer-
mentation are present, act at once. Take
a dose of the Tablets and get relief as
soon as possible.
At all druggists' — 50 cents.
Send us your name and address today
and we will at once send you by mail a
sample package free. Address • P.- A.
Stuart. Co., 150 Stuart Bldg., Marshall.
Mich. . \ '
Q-N *
As soon as a man advocates a pro-
cedure contrary, to the accepted teach-
ings and opinions of men, so soon must
ho meet with opposition.
Nevertheless there Is no higher court
to appeal to than Its dally, successful
Progress means opposition, and ens
only has to consult history in any of
Its branches to prove It.
Dentists of the past and many of to-
day are too ready to throw nature to
the wlnd3 and rely u^cn mechanical
knowledge alone, to substitute denatures
I where either disease or criminal ex-
traction has in part deprived the indi-
vidual of his teeth: they forget or
never knew that nature has been kind
In distributing her healing power to
the oral cavity.
"When necessity demands hsr help
she responds quickly and willingly, if;
the dentist knows how to held her.
Tb« most dreaded disease of the den-
tal profession — alveolar pyorrhea. or
what Is commonly known as Rlggs
disease — I call your attention to this
trouble because many teeth ara lost
or hay.c destroyed occlusion and ren-
dered mastication painful and impossi-
ble and the beautifully placed dental
arches, anchored, securely In the dental
cavity, -which In early Ufa seemed in-
vincible, have b.^en attacked, torn asun-
der and devastated*by the onslaught of
"pyorrhea" until there remain only a
few scattered hulks on which to build,
a comfortable denture.,
Can it be done?. I answer yes. Our
experience says yjsa; and nature, aided
by our Rex Alveolar method, will help
vs — not only to tighten loose teeth and
make them serviceable and firm, but
to replace all of the lost ones without
a plate, and you cannot detect them
from the ones nature gave you. •*.
Take a miserable, discarded tooth,
and by our Alveolar method rid It of
its filthy environments and you win
be surprised at. the amount of work
that tooth will accomplish.
Here Is progress and science. By
this Rex Alveolar method, if you have
two or more teeth in either Jaw.
whether solid, sound orlooaj*. makes
no difference. I can prevent you from
wearing a plate of false teeth — for
with these to start with I can give
you back your 32 teeth, and will defy
any "one. dentist or layman, to tell the
substitute from the original ones.
This method is like the graft In th»
old appL3 tree, new life seems to spring
Is it not worth while investigating?
"We do dental work in all Its
branches, from the simple piece of fill-
ing to the complicated and scientific
alveolar work. You will find that we
are reasonable in all our charges.
\Te make a careful examination of
the mouth free. If you would know
mor* of this alveolar work, send for
Dr. Rex's book. "Rex Alveolar Den-
tistry," a treatise on the teeth In gen-
eral and the new method in particu-
lar. The books are free.
226 Pacific Building
4th and Market

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