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^law Interior of the Security Loan SECURITY LOAN AND INVESTMENT COMPANY. J I An Organization Whose >;une is Synonymous With Development. Capitalists, manufacturers and those thoroughly versed in the agricultural conditions of the entire country all agree that the area of development has shifted from the West to the South. Because of its spendid location and valuable natural and acquired advantages, Newberry county is bound to share largely in the influences which must in their very nature build up and develop, influences which the promoters of the Security Loan and Investment Company have wisely foreseen and estimated at their true worth, and which will be best promoted and fostered by just such an organization as they have effected, now so well eS tabHe?!! a,* o-n/J c-a /^ARPrVftdlV DOTHllaT. CUiU v* www- v Organized and incorporated under tlie laws of South Carolina in March, 1905, the career of the company has been one of prosperity. The scope of the operations of this concern may be said to include three departments: Real Estate, Loans and Insurance. In the real estate department are lists of farms and town property for sale in Newberry and its vicinity; also inquiries and requests from persons living in all parts of the country who desire to invest in city real estate and farm property in thi# vicinity. The service brings buyer and seller together promptly and offers the advantages of a number of buyers for all property placed on sale with this company. The plan of selling farms on such liberal terms as to enable farmers to procure and pay for their land out of the yearly earnings they make upon them is one that has proved exceedingly satisfactory. The company's modern method of building loans has met with much favor among its patrons. By this method a borrower can place with the company each month a certain sum of money and receive fixed returns on the same. In other words, while he Is saving the money to pay off the amount borrowed, he is at the same time receiving a definite amount of interest on the money which he is accumulating to pay off that loan. In the loan department loans are made for which the security is a first mort gage on real estate. Tne company examines titles to the property on which mortgage is given, sees that taxes are promptly paid and insurance kept in forct. The insurance department offers the very best features of modern methods of insurance, in policies backed by organizations strong in their financial . resources, prompt and faithful in the fulfillment of their obligations and whose records in these respects place them among the popular and prosperous institutions of the country, being ' * ?1? fil'rv regarded as tnorougmy repiwcuun-ivc in every particular. This agency, therefore, in the very nature of things, must reflect t'ie characteristics of its component parts, financial strength, promptness and fidelity in the settlement of losses, and the most approved and reliable insurance methods generally. During its career the agency has "been built up from its first policy until today its books contain the names of many of Newberry county's leading farmers, business men and citizens general!}*, who feel secure under its protecting influences, and who know from their own experience and the experience of their neighbors and friends that losses will be settled promptly, without quibbling and without recourse to litigation and the law's delays. The companies that compose the agency are among the strongest doing business in the United States, among them being the following fire insurance companies: Liverpool and London and Globe, North British and Mercantile, Royal Exchange, Royal, Franklin Fire of Philadelphia, Philadelphia Fire, German-American, Providence Washington, Southern Stock, the American Home of Greenville, S. C., Security of Hartford, and the Equitable Fire of Charleston. In the life insurance department policies are issued in the -* ** j Prudential and the Southern Lire anu Trust Company. Through the Continental Casualty Co. health and accident policies are written: bonds and burglary insurance is placed through the ' : II'" : s 7? . w : , . f - ' ; ''*- f " 8 iffhsfc si~" ?. " I. Wholesale Grocery * i'jf t\ [&&??''' t ' j A '* and Investment Company's Offiee. Royal Indemnity Co., and steam boiler protection is furnished through the Wnvrfnrvl gfonm ttniW Inspection aild Insurance Co. So from this it will be seen that the Security Loan and In! \estnie.it Co. covers effectively the i whole insurance field. The company also buys notes and mortgages, stock j and bonds and other negotiable paper. I The management of the affairs of the Security Loan and Investment Company is entrusted to a representative board of directors and the following officers: President, Dr. 0. B. May^ W A \f erj nrst viue yicsiucm, i?. ?? Swain; second vice president, John M. Kinard; secretary and treasurer, J. M. McCaughrin; manager life insurance department, R. M. Werts. Directors?Geo. S. Mower, W. H. Hunt, John M. Kinard, W. A. McSwain, 0. B. Mayer, J. H. West, Z. F. Wright, G. W. Summer, J. N. McCaughrin, I. H. Hunt, J. B. Hunter, J. S. Keitt, S. T. McCravey and J. H. Hunter. They are among Newberry's representative citizens and because of their established integrity and reliability enjoy the conatiH <->f all the oeoole of cvxxv* vktwv*-. w- v.? ^ _ this section, amongst whom years of constant association have built up a large acquaintance and a splendid following. Their identity with the company insures the most reliable and thoroughly courteous relations and a service prompt and true to the interests of patrons?qualities which have made it a valuable acquisition to the community, and a popular and prosperous organization generally. R. D. SMITH & SOX. Wholesale Grocers and Commission Merchants. In the preparation of an illustrated trade and industrial edition of Newberry, one finds that in the past few years constantly increasing sales and patronage and growing stocks have been the usual experiences of those engaged in all lines of retail merchandising, but the investigation becomes all the more interesting when the reports of the wholesale establishments are reached, for their progress has even j "been more pronounced anu mure suiting, indicating thereby that the town in many respects has become independent of all other markets, and is itself the source of supply for afl the surrounding country. This latter observation is suggested and confirmed , by the achievements in trade building of R. D. Smith & Son, an enterprise which had its inception in a small way in 1S96, when R. D. Smith began supplying the local grocery trade. The business grew rapidly and it was not long be ofemrore commodious quarters were necessary, a new warehouse being erected for the purpose. With the admission into the firm of R. D. Smith, Jr., additional strides were made and 1 ?V.tr 1 AO rkr? o n H tne business uas u.v u^u bounds. It is upon such progress that Newberry's importance and popularity i securely rests, such results as these being secured only by methods that are a combination^ of aggressiveness and enterprise, blended of course with ' the principles of integrity and reliability in all trade relations and which are the very essentials of permanent suc' cess and progress. Today the patrons of R. D. Smith & Son are found among i the successful retail merchants of this entire section, who have discovered and appreciate the advantages this concern offers in more intimate tra'de j relations, in closer proximity of the wholesale source of supply, in reliability of methods and prices and general! ly speaking in the confidence inviting manner of doing business. At their storequarters and warehouse along the i railroad tracks, R. D. Smith & Son I .mnetontiv in iot? of one or more I ucti i y i^v/aouiunj ***. ? ? _ ! car loads complete stocks of canned ! and bottled goods, teas and coffees, ! extracts and spices, soaps and laundry ; supplies; sugar, molasses, vinegar, ; and all heavy commodities, candies and I confections, cigars and tobaccos, breakfast foods and all articles, in a word, in the grocery line. These come direct from the' original sources of : supply in consignments that secure ' the lowe?t fractional prices at the | warehouses of importers, manufacturI ers and producers, so that the business is conducted on the lowest possible ( f: >%% j of B. D. Smith & Son. r i level of cost laid down in Newberry. The stocks abound with well establish ed names and trademarks, indicating thereby the policy of the management to handle standard goods?qualities that are recognized the world over, i Among these are the Hudnut grits, : Peerless meal, Roller King and Verii best flour, Snowwhite compound lard, j Corno hen feed, Corono horse and 1 mule feed, Stafolife feed, the Arab i fpprl tho .Tnhn R. Mevers New Orleans molasses and many other well known productions. R. D. Smith and his son, R. D. Smith, Jr., compose the firm. The former is j cashier of the National Bank of Xewi berry, while the latter is in active ' control of the business. Young, ener| getic, and enterprising, Mr. Smith | overlooks no opportunity -to extend his ! trade and popularize his establish! ment, for behind all his representa| tions are ample stocks, bed-rock i prices, reliable methods and the most satisfactorv trade relations generaliw ? THE COMHEKCIAL BASK OF SEWimuikv i>c.n ni. A home enterprise in every sense of I The word, having been promoted, or! ganized and conducted by Newberry i ! county people, in order to establish in | the community greater financial facilii ties and a more liberal service in monetary affairs consistent with the ! principles of sound banking methods, the Commercial Bank of Newberry j adheres with fidelity to the equitable i policies adopted and enforced since its j inception, in 1896, and in consequence ' grows daily in the esteem and confidence of the public. At this institution banking accommodations are ad justed to popular needs, and for that reason it is becoming more and more generally known as a home hank. This institution is appropriately called the Commercial Bank because its stockholders, directors and officers are citizens of Newberry county, the j majority of whom are business men vf established standing 2nd all of I whom reside in the county, afid as property owners they share in common with patrons many sympathies and influences affected, generally sneaking:, by the same conditions and environments. It is the "people's" bank because it belongs to no one man or select group of men, for, following the liberal ideas of its promoters to have many share in its profits the stockholders of the Commercial Bank of Newberry can be found ail! over the county and are therefore in constant association with its home people. In its organization this insti- 1 tution possesses every feature essential to promote ana maintain security, j for this quality is essential to the sue cess of every banking enterprise. This Quality of security has been secured and maintained by ample capital, sup- j plemented by a surplus and profit ac- j count larger than that of any bank in j the county, by the bonding of execu-l tive officers for the faithful perfor- J mance of their duties conscientiously, i especially in loaning out money; and, by burglar and fire proof safes and vaults which are -an important feature ; of the equipment. The Commercial' Bank does a general banking business | and maintains a service which is; ! prompt, obliging and accommodating j i and in wliicli the most approved memj ods of modern banking are constantly I reflected. The institution receives j money in any amount for deposit, j makes' loans on satisfactory signatures I or collateral, discounts approved i i paner, issues exchange on all the : principal money centres and makes! I collections and reports same promptly, j It also maintains a Savings DepartP??^?????j WD HHUHB I John ]?. Klnard, President ment allowing patrons 4 per cent, interest, compounded semi-annually. From a report made to the State j Bank Examiner on February 20, 1912,! as required by law, the following (figures are taken: Capital stock $ ."0,000.00 ; Surplus and undivided profits 6S,3 IS. 49 'Deposits 387.209.00 Total resources 507,005.49 It is worthy of mention in this con nection, being suggested oy ine aoove ! showing, that the Commercial Bank ; is in full possession of the distinction; of having as one of its great sources of security the larjgest surplus of any j bank in Newberry county, and this is ' an inducement "which always influences j I the prudent and conservative person ! "when the question of selecting a bank Ms being considered. i The executive officers are: Jno. M. i ! Kinard, president; Dr. 0. B. Mayer, j vice president; J. Y. McFall, cashi ier; R. H. Wright and R. L. Tarrant, i assistant cashiers; Floyd Bradley, bookkeeper; Hunt, Hunt & Hunter, attorneys. The directors are: Jno. >1. I Kinard, president; 0. B. Mayer, presiI dent Security Loan and Investment ! company; L. w. Floyd, general manager Newberry Cotton Oil Mill: Gpo.; S. Mower, counsellor-at-law; Z. F.! Wright, president Newberry Cotton Mills; J. H. West, merchant; W. H. Hunt, president Oakland Cotton Mills; F. Z. Wilson, vice president Newberry Cotton .Mills and insurance; and ,J. Y. McFall, cashier; Hunt, Hunt & Hunter, attorneys. All of the above individuals are men of established integrity and reliability and possess much valuable knowledge and experience in the management of financial matters, as a result of which they have been successful in their own individual enterprises. In their hamds all the elements of security, atbove enumerated will be carefully enforced and safeguarded, to the end that, the splendid carer of fidelity and reliability which the Commercial Bank has achieved, and which h:ts been so satisfactorily tested in the years of its existence, will continue in future days and years to be the leading and popular feature of tnis, as of all successful banking ertorprises. Tht building occupied by the Commercial Bank is equipped with fire proof vault in which are contained a burglar proof safe and deposit boxes, the latter being rented ;o patrons at rnmiTi-gl Azures for the safe keeping i _ t-i _ ? ny->rl ian-olrv of their vaiuauie yapei^ unu A home enterprise. this institution gives preference, all other things being equal, to loaning money to home people, and this policy is exercised with a view of promoting local development, which in turn advances directly or indirectly the interest of all . ' I S J. Y. McFall, Cashier. the people of the community. So, in view of the facilities and advantages which the Commercial Bank possesses, it offers every inducement consistent with safe banking and solicits the accounts of business men, corporations and individuals, offering its past record as a guarantee of the most cordial and an efficient service, so highly appreciated by a large, incr-asing and representative patronage, and emphasizing the slogan which has been in use for ten years?"The Bank That . . Ww,, -Rio-hf " Always 1 I trcLLS JLV/U C. C. DAVIS. Contractor and Builder?Dealer in Lumber, Sash, Doors, Cement, Builders' Hardware and Supplies. The progress that has been made ia building construction in our day when 5 k; v, ? +>10 hoef r\f sani tne aire is lo uumu.mc ~? tary conditions with architectural beauty in design and finish makes it imperative that the mechanic or builder who hopes to achieve success must, to his skill in the use of the saw, pl<uie and compass, add a knowledge of the science of architecture and the principles of mechanical engineering in order to interpret correctly and build up to the letter and designs of both plans and specifications in all important work. In all of these elements C. C. Davis is well equipped, for he has been engaged in building construer.on in Newberry the past 29 years. During this time he has built many of Mie important structures, besides hundreds of dwellings and improvements generally that have been added in the structural lines. A few only of these will be given and'these only to show the frnm whiVh rflflntri:ition is OUU1 a- A Will constantly forthcoming ("or hi.; services and his ability and Rapacity geneially as a contractor anA b lilder. lie erected the first two b'lilriuigs of the Xewberry Cotton Mills, the last of the Mollohon Mill buildings, and, in conjunction with his uncle, the Piedmont Mills at Greenville and Pelzer No 2 Mill at Anderson, one at Sumter and one in Chester county. As Mr. Davis expresses it, he grew up building cotton mills. "1~ ~ - TTO r?s3rt r./io?1 ill nis warcm/uscs auu ,>a.iuo uv?? the Newberry Cotton Mills, Mr. 1/avis carries a full line of builders' material, including sash, doors and blinds, builders' hardware, lime, cement, brick, plumbers' supplies and everything; needed in building construction. Estimates are made promptly on all material bills in strict conformity with specifications and delivery made as promised without risk of disappointment or costly delay. With his lumber yards, milling facilities and the other materials carried constantly it can be seen that demands can be supplied at once. Thoroughly, practical in all depart ments, Mr. Davis spends nis enure time supervising the efforts of a force of workmen, so as to insure in every respect a satisfactory service and the very best conditions to maintain a reliable source of supply. As a result of these excellent facilities possessed an established patronage has been built up. As a citizen and mechanic C. C. Davis has always been esteemed for that quality of reliability which char5Atori7ci<! hie rplatirms nnrl which, with pronounced integrity, mechanical skill and valuable practical experience, surrounds him with advantages which create and foster confidence. As a result, as has already been shown, his patronage comprises the leading property owners in this immediate section and in distant towns?a fact w;hich alone establishes his standing as a builder and contractor. j I , . __ ~ I Store of the Shi i ? THE SHELLEY-WHEELEK CO. Furniture and Household Goods. J An establishment whose comprehensive stock equipment contains facilities for furnishing a home complete, every room and every department, ; from the kitchen to the attic, the Shel! ley-Wheeler Co. is among the popular and progressive of the retail enter! prises doing business in this section, possessing as it does a large patroni age and an enviable reputation for the : most satisfactory trade relations. In j buying for the trade this concern deals J direct with the manufacturer, eliminat! ing the middleman and his profits and | giving these profits to patrons by quot1 ing inside and bed rock prices. The i Shelley-Wheeler Co.'s atore quarters j occupy one entire two-stoiy building, ! and a store room 33x100 feet, giving 1 a floor area of 9,900 square feet every I inch of which is crowded with houseI nf ^verv description. On i Axvrxvc WA> ? v ! these floors are found in a variety of | grades from the medium to the high I class everything to furnish the home, including bedroom and parlor suits, I couches in a variety of upholstered effects, wardrobes, library cases, hall( ! racks, chiffoniers, china closets, side| boards, extension tables, plain and en! ameled metal beds, mattresses, bed snrintrs. chairs of all kinds, and every thing in the furniture line. Then there are collections of the best types of cook and heating stoves and ranges, the productions of the leading .makers ; of the country in a variety of styles, sizes and prices, for the Shelley' Wheeler Company is the local agent ' ! for the famous Bucks stoves and ! ranges; the Johnson-Slocum Co.'s Sre' j less range, the White Mountain re| frigerator and the Bernstein three1 piece bed; china ware, both foreign land domestic, including a number of beautiful assortments of hand-painted 1 creations, pictures in a variety of ar tistic and appropriate subjects for home decoration, neatly framed, and the best values on the market, in the latest designs and shades, in carpets, rugs, matting, oilcloths and linoleums. Conducting a cabinet shop in connec- j tion with the business the company is prepared to repair, upholster, and reI novate furniture, renewing its service j and making it look like new. I This business dates back to Octob; er, 1902, when it was established unj der the firm name of Shelley & Dean, | as the pioneer furniture house in ths county, which was succeeded a year j later by Shelly, Dean & Summer. In 1904, through the death of R. M. Dean, ' | the firm name was again change to Shelley & Summer, and in 1909 was incorporated as the Shelley-Wheeler Co., Messrs. J. D. Wheeler and J. J1 Lang ' ford having acquired the interests of Mr. Summer. As at present constitui ted the officers of the company are: J. D. Tyheeler,*president; J. J. Lang! ford, vice president; W. H. Shelley, secretary-treasurer. Mr. Shelly is a native of North Carolina, but has been ; here since 1894, being a member of i the board of aldermen. Mr. Langford " ~c XT Ulr^ i is me mayor ui wcwucnj, emu Mr. Wheeler, is a native of this county. They aie all among Newberry county's representative and popular citizens, enjoying the confidence and esteem of1 : the people because of the strict integ- j j rity <1 reliability which characterize all their relations, and which have been thoroughly established during years of successful business activities i in this section. In the building up of their present enterprise they have ' striven to establish the most favorable | market conditions at home and that : their efforts have been appreciated is i best evidenced by a large, select and 'la constantly growing patronage, I whose needs are quickly and satisfactorily supplied by a stock equipment which in price and assortment offers , and maintains the best of city advanItages. ! W. G. MATES. ! i Druers and Toilet Articles, Garden Seeds, Etc. Mayes' Drug Store is among the i i ... ' . I Drug Store o; ^ elley-Wlieeler Co. ,' 4 well-known and popular of Newberry's ! retail interests. Its popularity rests solely on the fact that this establishment possesses all the essentials of a first-class pharmacy, viz: A large and complete stock equipment, made up of pure and fresh drugs and standard productions generally within the province of the drug line, and a prescription service noted for its accuracy, reliability and strict integrity in the ! compounding of medicines. The first essential any one can verify by a visit ? to this pharmacy, for attractively ar! ranged on shelves and in show cases ; are a complete collection of fresh and | pure drugs, all the leading proprietory medicines, druggists-' suuiries, surgical supplies and dressings, perfumes, j and toilet articles, cut glass and other novelty goods, cigars and tobacco and a double innovation soda fountain which dispenses cool and refreshing beverages, flavored with the purest and richest of fruit syrups. The second essential is found in the experience and consequent knowledge pos- * sessed by W. G. Mayes, the owner of the business, whose genial methods ^ have surrounded him with a select and an influential following. As illustrat- ^ ing the efforts of the management to give to Newberry a first-ciaas service, it is only necessary to point out that Mayes' Drug Store is headquarters for Adler-I-Ka, a preparation for appendicitis and stomach trouble, Guth's chocolates and confections, the Nyal line of remedies, which are specifics for a wide range of maladies and are sold at popular prices, and which line embraces preparations covering all the ills of mankind. Special attention is * given to the filling of prescriptions, the service embodying the features or accuracy, reliability, and scientific efficiency, this department being in direct charge of Dr. Mayes, who is careful, correct and conscientious in the filling of prescriptions. The Mayes' Drug Store was" taken over by its present proprietor 12 years ago and has # always been a popular resort As owner and manager of this business he has built up a large and select following, for purity, efficiency and promptness are the features of the ' service, always and ever supplemented I by courtesy and the other kindly spirit 1 of a-DDreciation. j When you feel ?5E3"?? < rous, tired, worried or despondent it is a ! sure sign you need MOTTS NERVERINE [ PILLS. They renew the normal vigor and ! make life worth living. Be sure and ask for ! Mott's Nerverine Pills WILLIAMS MFG. CO.. Frop*., Cleveland, Ohio 0 i * (rood tbip winter toumst FARES i NOW IN EFFECT ria SOUTHERN RAILWAY?"PREMIER CARRIER OF THE SOUTH." Tickets on sale daily including April 30, 1912, with final limit returning May 31, 1912. For complete information as to schedule, sleeping car service, etc., ! caH on nearest Southern Railway ticket agent, or F. L. Jenkins, T. P. A., Augusta, G&. ^ J. L. Meek, A. G. P. A., Atlanta, Ga. ! " Wl ? ? . '? IbhHHB ? Tn^^BI 1 r mm??r?????1 i W. G. Xayes. '!$!?