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SB tt 49TII YEAR. OREGON, MISSOURI, FRIDAY. FEBRUARY IB, 1914. NUMBER 41. IN THEIR NEW QUARTERS. The Zook & Rocckcr Banking Company Occupy Their New, Handsome Quarters. A Spcndid Record. No better guide to business condi tions exist than the hanks. In fact, when ilio financial practitioner itlay noscs tlio country or tho county's commercial cave, the banking Institu tions are the pulse upon which lie places Ills lingers to feel the throb of tho 1 1 fo- I vlnn current an It courses through the arteries of business. The last olllclat statements published showed the banks of our county hail a gross deposit of fLMlUK Twenty years ago the total deposits In the ten banki then In existence In the county totaled only (02I,4W. In 1873 tho entlro banking business of Ilolt county wasdone by two banks Montgomery St Norman at Oregon and the Fraier St McDonald, at For est City. I'rlor to that time, the banking business consisted of but ono banking Institution, which was estab lished In Oregon by Levi Zook and James .Scott. The total assessable, wealth of the county at that time, lands and personal, was(l,H07,UI0,and thu population 7,fH0, Today thu as sessable wealth Is nearly $10,000,000, and population 11,133. Levi Zook and James Scott opened their bank In a Utile corner of thu store room In thu original court housu building that stood on tho corner now occupied by thu Vanllusklrk-l'roud! block, and lieru In this little nlcho all thubanklngbuslriessuf thocounty was transacted, and while tho Interest ratu was 10 percent, theru wurudoubl less many loans madu at higher rates, Here In this llttlu ohscuru corner, thu neucluus for many substantial fur-1 tunes wero inado, and out of It has come today ono of thu most substan tial and Olbraltlan banking Institu tions of Northwest, Missouri. This li'ink f-nlltlnned In lm'MiH nnlv" InnL-' In thu county for six years, but dur ing that tlmo several changes wcru made, but notwithstanding tho pass Ing of thu founders, their inllueucu lias over been felt by thoso engaged In the business today, and tho history of Holt county banking will over be linked with tho life of Levi Zook, James Scott, Albert Itoecker, M. S. Norman, who aro now numbered with those sleeping In the silent city, and Robert Montgomery, who la still with us. These two banks continued to do C. I). ZOOK, President. the hanking business of the county until ls73. when the third bank came Into existence, being established at Craig by llllhy Hcaton. In Mil the railroad was built through Holt county and a great change was wrought, and an Impetus given to business that demanded larg er hanking facilities, and men and capital wuru found to meet the de mand, and today In keeping with the progress and demands of the times, NKW HANK 1IUILD1NG AND KKNTINKL Holt county has fifteen as solid hanklnglnsillutlonsasthcre are to be found In any county of the state of like wealth and population. The history of the Zcok St Itocckcr bank Is but an unfolding of tho his tory of banking; of the commercial growth of Holt county from llssmall and unpretentious beginning It has grown to be recognized as ono of tho most substantial Institutions of thu kind In thu I'lattu Purchase, con trolled and managed by a class of men of thu manor horn, known In every way to measure up to thu vury high est requirement, that assures Its pa trons safely and reliability, second to none, and their wl-o and conservathu course has won for them a large and prolltahlu business, It now comes to us with no llttlu degree of pleasure as well as prldu, to chronicle thu Improvements that luvu come to our town by thu inodernl.lng , of thu old Zook ,t Itoecker bank. Aswu stated In thu beginning of this arti cle, thu llrst lank established washy Luvl Zook and James Scott. It was In October, lo, and their banking room was In thu old historic court house corner. They continued tho partnership for threuand a half years, when Mr. Zook retired, and Mr. Scott conducted thu business until June, IS7I, when hu retired, and thu hank passed to thu ownership of II. Mont gomery & Co,, thu company being a Mr. Phillips who camu with Mr. GUY L. CUMMINS, Cashier. Montgomery from Illinois. In 1872 Mr. Levi Zoolc took Mr. Phillip's In terest and thu firm became known as Zook & Montgomery. During this partnership the bank quarters were re moved to the little lGx'JO room In the rear of the Ira Peter storo. now occu pied by Kreelc St Hasness. The room fronted on Nodaway street below the corner, ana was reacnea oy a narrow ft IMIslI stairway from the sidewalk. January 1, 1875, Mr. Zook disposed of his Interest to M. S. Norman, and tho llrm became known as Montgom ery ft Norman; this was continued until January, 1 577, when Albert Itocckcr took over the Norman Inter est, and continued In this location until the fall of 177 when they built the building which lias just been re modeled and made modern In Its ev ery detail, and here the Montgomery ,V Itocckcr bankdlil business. At the time of Its erection It was regarded as an Ideal bank building anil one of tho very best In the county. In January, s', Levi Zook and Ids son, ('. 1). Zook, purchased an interest, and tho bank for the llrst. time In Its history was Incorporate!, and known as thu Montgomery .V llu'Cker Hanking com- OFFICK. piny. In IW, at the death of Levi Zook, his son, C. D. Zook, succeeded to bis Interest. In IWW, Mr. Mont gomery retired, disposing of his In terest to C. li. Zook, son uf thd founder of Ilolt county banking, and to Guy L, Cummins, and since that time to the present It has been known as thu Zook ft Itoecker Hanking com pany. Owing to thu III health of Mr. L. I. MOOItK, Vice-President. Itoecker, In January, lull, Mr. I.. I Mooro purchased an Interest In thu company, and slnco that time, thu ltoeckur's still holding a largo amount of thu stock, Its management has been In tho hand of C. D. Zook, president L. I.Mooru, vlcu-presldent, and (iuy L, Cummins as cashier. Mr. Cum mills entered the bank July 1, ism. In keeping with tho spirit of thu times aiidprogrusslvuncssof our llttlu city, thosu Interested In the bank do elded to maku such Improvements as would he of credit to themselves am! an ornament to tho city, secured thu services of an architect, who was given Instructions to prepare plan , This done, thu contract was let lo Andrew Tochturman, of this ell For a number of years tho bank eo ptuhatubecn owners of thu vacant ..lot adjoining their building on ihu north, and on tills thu plans provided for tho erection of a two-story brick which was leased by Tin; Skntinki, for a term of years, liy this arrange' mcnt thu bank was enabled to secure space for vault, toilet and heat ac commodattons. The excavation for .this building was begun In August, and in Decern ber the building had progressed so asto enable Tub Sbntinkl to occupy it In r.V h, Z," ZZ to the front floor room of the new part, and the bank moved its effects uuuuing, ana uie worn oi remou cling the old bank building was com menced, and they are now at homo to friends and customers In their new, commodious and up-to-date banking room. It has a floor space of 23x10 feet. The front Is of Plumlx limestone, prism and plato glass, set In copper bars. The Interior and fix tures arc In iiiarter-oak tlnlshed and IKitlshed In forest green. Tho lobby Is laid In Mosaic tile, and marble base extending around thu entire room. The counters arc tlnlshed In the high- st style, with heavy copper screen ing. Adjoining this on the west are two prlvatu consultation rooms; a small passage way leading tu thu cus tomers vault Is between thu main banking room and thu consultation room-,. The walls aru frescoed, the hasu being In Nllogreeli,and paneled In bull with a maroon Inirder: thu ceiling Is in steel. Upon the south wall aro suspended largo and llfu-llku portraits of tho deceased founders of this Institution, Levi Zook and Albert Itoecker, presented to thu bank by Mr. O. D. Zook and Mrs. Albert Itocckcr. The bank vault Isxl2 fect, equipped with thu standard stock vault doors, with outer and Inside doors anil day gate. Within thu vault Is a victor spherical niangeiiesu steel scruw door bank safe. Immediately to thu west of thu bank vault proper Is :i second vault iix fur thu accommodation of customers, equipped w lib Individual safety boxes, Thu vaults, as well as every feature In Its equipment, and thu material and workmanship are of of Ihu very liest. To thu west of thoso vaultsamlcou- vlently located aru thu toilet ami la vatory, and access to the basement, In which Is located thu heating plant. They can pass over the line If they choosu and enter thu pressroom of Tub Skntinki,, or Into Its counting room. Thu personal of tills old historical financial Institution Is of the very highest order. F.ach and every ono connected with Its management to day are men whoso life has been In the active business alfalrs of our county since early manhood each has received that training to say "yes" or "no" as occasion requires. Ever courteous, and agreeable, to alt' who enter their placo, whether tocall or to do business. They aro men In the very prime of life, and they are permeated with that rich, red blood, that means activity, energy and pub lic spirit. Kach anil every ono uf tho four connected with thu bank wero born In the old town of Oregon, nt tending thu old school, and have taken their days oil on "Hookey" account and "madu clean" In thu old swimming holu down at Mill Creek. What a beautiful and envious record, Mr. Zook, tho president, Is thu son of thu lato Luvl Zook, and after at tending thu Statu university, engaged In commercial business, and then In 1NSI and 'M hu was Identified with thu Mound City bank, then owned by Zook St Thomas, In Is-il ho and Mr. Thomas disposed of their Interest In thu Mound City bank to John S Smith, and removed to Kansas City, engaging In thu wholesale boot and shou business. In Is'.io, ho returned lo Holt county and with Ids father, became lilcnllllcd with this bank, slncu which time hu has been actively engaged In this Institution. Mr. L. I. Mooru, thu vice-president, was also born here, went to thu old school, and has been actively engaged In mercantile affairs slncu his young OKOUGK F. KKKMAN, Accountant manhood. Hu entered actively into thu alfalrs of thu bank In January lull. Hu Is also tho benlor of thu Mooru & Kreuk grocery llrm; a largo stockholder of tho Oregon Canning company, and managerof The Oregon Intarurban railway, and we verily be lleve he can do as much business, and do It right, as any other man In this part of the state. In 100V05 he was BSSSSSJBSSSSSSSJBiirL VHjPjE the county treasurer. Guy L. Cummins, tho cashier, also went to the old school; ho Is the son of G. V. Cummins, our public admin istrator. Leaving school ho entered the service of tho mercantile llrm of Cummins St Ilcrshbcrger, of this city. July, 1891, he entered the Montgomery: Itocckcr bank as ac countant, and by steadfastness to duty and his every obligation, ho Is now tho cashier of tin, present bank. lie also rendered service In thu Holt County bank, at Mound City, during istll-li.,, George Sccmau, the accountant, wasalso horn here, and on his leaving school engaged In thu grocery busi ness, in which lie was engaged up to his election ascountycollector. which position he held during t ho J ears :h)7- II. In 1!U3 Ids services were secured by the bank, and hclsiiow acthely en gaged there, and with his wide ac- liialntanco and clerical ability Is of great service to tho Institution. Its reputation for safu. careful, con servative management has ever been of thu very highest, and wu trust It may ever be such, and doubtless It will miller thu guidance of Its present oiltcers. Of the old and early guides of this Institution, Levi Zook, .lames Scott. M. S. Norman, and Alls-rt lloeckor an now dead. Thu former died April 2, MM; Mr. Scott, March I, l!il; Mr. Norman. July '.'7, Usui; Mr. Itocckcr, May II, lull. Mr. Montgomery lives a retired life here, hut Is Interested hi a bank at Skldmore, of which hu Is president. Thu llrst tlmocerllllcato of deposit ever Issued In our county was Issued by thu .ook-Scoll bank, to Hender son l'lukston, for (I.Hi, bearing date November 1.1, 1 sun, about .'10 dajsaftcr thu hank opened. Thu bank occupied Its new and ele gant quarters on Thursday, February n, lull. John S. Moore, of Mound City, cashed the llrst check over Its counter, and John J. Lukens, rural mall carrier, made tho llrst deposit. That our readers may grasp an Idea of the development of thu banking business of our county, we know of no better picture for them to look upon than that of an early statement of the then Zook J: Montgomery bank, which was made November 20, 1873. Only a few months prior to thu llllng of this statement, thu Frazer & Mc Donald bankcamu Into existence, but had madu no oillclal statement, and their deposit could not have been of any great amount, and could not have alfected this early day statement materially, and heucu It may hu re gardedasthu banking condition of thu county, In November, 117.1. Ily Zook ft Montgomery, November .".i, IS7.I: iiixii'iii.'i'.s: Discount notes M.1,107 I'.'l Duo from banks 2,U n", Cash U,.V7 Kl Ileal estate I, Ills urnltiiru and fixtures Ii'.m Oil 111 ,V,'.i I.I i.i.miii.itiks: Capital if I. ,000 00 Surplus I.oiM ini Undivided prollts r.,t;t:i te Individual deposits L'l.lU. 21 (l',l,V.'.l 1:1 Ily this samu bank, now known as thu Zook Ac llii'ckur Hanking com pany, October 'Jl, ltil.'l, their state ment madu thu following exhibit HKNOUUUKS: Loans and discounts, un doubtedly good on per sonal or collateral securi ty till, 1.17 in Loans, real estuto ;l7,ti7,'l 17 Overdrafts 1,H.',7 n.1 llonds and stocks 00 00 Ileal cstatu (banking house) .V-oii M Other real cstatu MM Furniture and llxtures .... nio on Duo from other banks ami bankers, subject to cheek Xifii'.t 1.1 Cash Items :i,'JSI 11 Currency .1,110 00 Speciu oil Other resources as follows. oo on Total l232,;uT i.iAmi.mr.s: Capital stock paid In 21,oon oo Surplus fund 11, oik) on Undivided protlts, net 1,110 70 Duu to banks ami bankers, subject to check 00 DO Individual deposits, subject to check 101,101 IH Tlmo curtlllcatus of deposit Demand certlllcatcs of de posit Cashier's checks Hills payable and re-discounts Other liabilities as follows. 31,72:1 11 00 00 00 00 00 00 00 00 Total (232,331 S3 There are now five banks In this portion ot tho county, whose state ments filed In October, 1013, shows the following totals: Deposits. Znnlf.ltnrv-bnr till. KS1 Hcsources. (13 AH 1.10,211 ltiM'tt 01,2110 03,870 Citizens' Oreiron. IOI.oij Forest City 12S.1R., Home.ForestClty Xi&ti orucs wfi,t Kill ,110 !OV,,197 TodlV we son Mm I'rnutli nf fliU business, from onn bank, with total resources of (!.r.Vi.anldeiosll. ('.- 01.1, to that of ilftecnsolld banking In- siuuuons wnosu aggregate deposits. In October last were tl.sllUll, and their total resources, J,:i.t.S7(. The various banks of our conniv wero established In thu following or- ien I fm. Zook ,V Scolt, Oregon. s;7:i-Fraer .V McDonilil. Unrott. City. H77- llllhy St lleaton, Craig. ssi).ult Count v bank. .Mound :ny. 11 .Farmers & Merchants'. Malt- latld. Issl Mound City bank, Mound City. Iss.7 Consolidation of Mound City bank and Holt County Hank of Mound City. is'.i naiiK ot .Mouini uuy, Mound ls'si('tl;cns' of Oreiron. I'.i.'l Farmers .V Merchants', Craig. 1!l1 I sir, s'l.1 IISI2 I'.SKI People's, Malllaiul. reopie s, uoruitig. F.xchaiigo bank, Mound City. Hank of lllgelow. Hank of Forbes. lis)-Hank nf Corning. lOlii-lloiuo bank, Forest City. From I his ns-onl It will ! seen Holt county had hut three banks from smi to lsi) fourteen years, and from sil to I'lKl theru were but two .inks in ihu entlro southern nor t Ion of Ihu county now theru aru live. Mr. Tochtermau.on behiL'L'lven tlie contract, which provided for thucom- pieiiou oi i no iwo iiuiinings ami reauy lor occupancy in i.iooays. it was completed In 110 days, and Mr. locuternian is io lie cungraiuiaieii on his lino work, and prompt "de livery of thu goods." Our New Home. Twenty-two years ago, Tub Sknti nki. vacated an old frame building that stood on the lot adjoining the Zook St Itoecker bank,and went to the old brick on the opposite side of the street. It was built prior to the war In Ivi7, and had Iwen used for almost every purpose. The building was originally built by Captain Walters ana was a uiacKsmiin snopanu wagon shop. Tho upper lloor at times was used for school purposes, church and dances As time catnu and passed It finally wax occupied by Tiik Skn tinki.. When Tiik skntinki. occupied the building, the paper was Issued from an old Washington hand press, and Its principal manipulator was a negro named Marshall Crowley. To move tho plant It required a brief time scarcely three (lavs: to movu thu ores- enl plant It required two weeks. I UK MKNTINKI. IS HOW liaCK Oil IHU lot II occupied 22 years ago. but In stead of thu old framu building, It Is now occupied by a modern two story brick, ll was built by thu Zook tt Itoecker uukitu! Company, a lease having been taken for a series of years by Its publishers. Thu contract was given to Andrew Tuchturman, who pushed thu work In such a manner as to permit Its oc cupancy by thu middle of December, and on tho ltli of that month ll was decided to movu thu machinery. which was done, and thu first issuuof thu paper camu from tho new quar ters under date uf December 20, inix Thus with all thu embarrassments attending such an herculean task, thu force, under the direction of tho Junior, did not miss un isstiu of thu piiiuicaiion. Tiik Skntinki. Is now tho most comfortably situated slncu It began lis existence, tiiu illuming is .ixmi foot with 12 foot ceilings. Thu front Is of hard red brick with stonu cap plugs. Thu llrst lloor front room Is used as a business otllcu, where thu Junior will bu found to wall on all who may uavu iiusiness wuu uie paper. Immediately In thu tear of this room Is tho nress room, in which aru located our news and Job presses, folding machine, engine ami mailing equipment. A largu lire proof vault is a pari, oi mo iiusiness umce, in which aru stored thu bound volumes of Tiik Skntinci. from Its very llrst Issue, Juno .lo, IMLi. in anumou to this aru also stored thu tiles of thu various niihllcations of the county. among which aru to bu found copies of thu llrst papers published at Mound l.lty, aiaiiianii, uraig, i orosi uuy and Corning. Tiiu front room of tho second story Is occupied by the senior and library. in tiiu rear oi mis is uiu composing room and Its necessary equipments. Hero thu typu is sut both for news paper and job work, and madu ready, it Is lowered to thu press room by means of a small clututor. Light is a predominating feature In ihu construction of thu building, ami wu believe ll is faultless in this particular. Tho finish Is in yellow pine and tho walls painted in huir. In thu basement is located tho heating plant ami fuel bins and stor age rooms thu plant supplying tho beat for the bank and printing otllcu. Lavatory, watur and lights are also In thu equipment. Thu second story may bu reached from the street and also from the Interior. Tiik Skntinki, Is now at home to all who may come, whether for busi ness or friendly calls, and we believe we now have one of the most up-to-date country printing establishments In this part of the state. Come and see us In our new home; the latch string Is a long one, and it hangs on the outside.