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rom I or Carolina nteresung a enaerson -.. ofHisStaiionery oing f Extracts Vlmutes Wriat ffi Mmm County Baptists ai D Last week the Democrat carried a brief report of the proceedings of the Carolina Baptist association at Balfour. The following ex tracts from the minutes of the association should be of interest to the more than 4,000 Baptists in the association, which embraces the whole of Henderson county and a portion of-McDowell and Polk "counties. Th Carolina Bantist Assoeiation'met in thirty-ninth annual ses sion with the Balfour Baptist church on September za ana remaiuea in session for two days. ' ' The meeting was opened by singing, "Draw Me Nearer. The Moderator, Rev. A. I. Justice, announced that Rev. R. N. Pratt would deliver'the introductory sermon, following whichRev. Mr pS read from the 11th chapter of Mark, the reading being followed with prayer by Rev K. W. 1 preached on the subject of faith, taking Mark 11:22 as his text. Rev W Cawthon ' moved-that a committee on Digest of Church Letters be appointed ana mat me jcuiu6 "vk'wu 5 - with for tiie present This motion prevailed and the Moderator ap pointed the following committee: Rev. K. W. Cawthon. O. J. Lam beth and J. B. Freeman. , i- ' On request of the Moderator, Noah M. Hollowell acted as tempor- a-r2.c?e1'""ni- iaraA intrt u annual election of officers with J. lit? ABSUViawvu . aa - Tift frtllnwincr result: irnji.0(ni- "Roo- a t Justice re-elected. tuuuuawi . . w , Clerk Noah M. Hollowell. Treasurer D. S. Pace, re-elected. Historian Rev. T. A. Drake, re-elected. COMMITTEES, . The Moderator announced the following committees : Periodicals Rev. W. W. Marr, H. T. Justus. . pflnpatlonal Rev." T. C. King, J. B. Freeman, J. B. Williams. Rev. A. E. Brown, Rev. J. C. Owen, Rev. W. R. Beach, Rev. T. C. Rev W. A.! Morris read the list of members of the-Balfour church who would entertain delegates to the Association. Prayer by Rev., James M. Justice. Adjournment for : one hour. . - WEDNESDAY AFTERNOON SESSION. Song "We Praise Thee, O Godr Prayer by Rev. A. E. Brown. " Rev E B Troy was recognized as a visitor to the Association. '. COMMITTEES. The Moderator instructed the Clerk to read committees as follows : Orphanage D. S. Pace, H. D. Drake, Jake Hefner. State Missions R. N. Pratt, O. B. Kelly, W. W. Bagwell. Home Missions K. W. Cawthon, W. H. Davis, E. M. Huggins. Foreign Missions N. A. Melton, W. S. Shitle, W. J. Baldwin. Sunday Schools G. J. Lambeth, W. K. Ledbetter, R. B. Love. Temperance T. A. Drake, J. B. Freeman. Thomas Merrell. State of Churches W. H. Davis, J. T. Sales. Aged Ministers Relief J. O. Bell, O. M. Drake. Obituaries H. R. Freeman, G. W. Morrison. Union Meetings J. R. Liner, J. H. Johnson. The Moderator appointed the following committees: Time and Place J. O. Bell. J. L. Whitaker, T. A. Drake, J. D. Simpson, J. T. Sales. Nominations for the Year J. B. Freeman, W. S. Shitle, N. A. Mel ton, Harley Justus, H. R. Freeman. REPORT ON PERIODICALS. Rev. W. W. Marr read the following report on Periodicals: The Biblical Recorder has already entered upon its eighty-second year as organ oi iue xayiisi, omic ituuuu ui nuiui cvruL. During all the years It has sought to be true to its name and mission in earnestly contending for the faith once delivered to the Saintsi, and in giving information needful in our work as well as unifying the brethren m all sections of our convention thus bringing about a, co-operation that has meant much in the growth of the Kingdom. It enables us to look upon the fields of opportunity and know our fTtVt INkltn.l DnAnnlii Vina a nlUllllai tlalltl linATI nnr TkAStrtlfl State Convention and answerable to it in all things. ."We are morally imder obligation to support and make it under God what it should 1e in the work of the Master at home and abroad. Again this Is a reading age and it behooves us to be on the alert good literature." Our actions-are largely the result of the reading a i)a tf tua ro-iH tracVi if wilt All in tho lnMr rf intprest nnrl thft breeding of crime and lawlessness. We earnestly ask the pastors m tms association to enaeavor to place me necoraer in tne nomes . . - m x 1 MA. J A. It .morQ widely read, .,-,J.. f . " r--r..i.woi-,... h i irT'---' : W. W. MARR, H. T. JUSTUS, gLggF'' ' W- BALDWIN. Vis" - - : ' Committee. w Rev K W. Cawthon moved to amend the report Dy aaaing me Foreign Mission Journal, me Home Mission new, auu ui uu Children to the list of neriodicals recommended by the Association. "The amendment was adopted. " Rev, W, R. Beach was recognized and he spoke in behalf of the 'Biblical Recorder. His talk was followed by general remarksi, after which the report on Periodicals, as amended, was adopted. rvr v "xr fo arVii-.Ti intm1iioA1 fhft followlncr resolution, which .Resolved, That one day in December be set aside as Periodical Day; and on such a .day during that month as will prove convenient to pastors and churches,-subscriptions be asked for The Biblical Recorder, the Home Field and the Foreign Mission Journal. REPORT ,ONA EDUCATION. 1 Rev. T. C. King read the following report on Education: A T4'V'.)nluiiiiM t.nta.'ttia nrn (rroca VlAlnc- mA.rif ftlnnir llflP cation year by year.. If we could compare the condition now with rtwehty years ago, we would be able to better appreciate the pro resfs. We are glad to pee the awakening in this country and the territory of the Carolina association along lines of public school "education. , ';' ' "-J ' ly I '' ". ',. ' - ..... : .. . There is today in Henderson "county fifty four' public schools' for Jtne wnue, na eigmy teacners empioyea wun a wiai enrollment oi i,000 - pupils. ' The ' public-school, property in ; tbe rural district is worth more than fifty thousand dollars.. Many of the districts have . voted a local tax "upon themselves to increase . the grades and 'lengthen the term of their schools. A public school fund of six thousand dollars from : -this source Is raised when added to the general iuna- gives -two aouars per capita ior an tne cniiaren o school age in the county. " The average school term Is now one hun dred and five days. : J , . "We have twenty three local tax districts, with thirty seven public school libraries. It is the purpose, of the Board of Education, and worthy superintendent, to give all our children, a chance to at least -obtain a common school education. . We believe, with our splendid public schools that our people ought to use them to the limit, and stand loyally by those who are striving to; put an tducation in the reacn or an. Added tp these we have our excellent city school with a splendid corps of well equipped teachers, and property worth at least forty thousand dollars. We are sure every citizen Is proud" of this mag nificent school plant. - -" Other private schools with a liberal patronage are located in our county with property worth bout one hundred thousand, dollars. AH these schools offer advantages to our people which we feel should be appreciated and used. 1 - .- Fruitland Institute with its splendid past record . is now open again to the boys and girls of our country. The present term open ed August twenty fourth. Present enrollment one hundred and twenty-five, others will follow. The two. homes are now practically full. There are a number of local pupils in attendance. The faculty consists of eight well equipped teachers, two men and six women. In this school pupils are taught from the sixth, to the eleventh grade. In addition to this, instruction Is given in music, art, expres sion and home economics Some of the classes are the largest in the .history of the school. - C3 rV rr1 csl ilf Tiro a navai Vtt,f ter.;The Bchooris greatly hampered for. the want of. more room. The administration Building is not yet completed, perhaps the out side work is now done, but the inside work Is yet unfinished. We ought by all means rush this work to completion. T. C. KING for the Committee. Rev. A. I. Justice discussed the report and expressed .the opinion that it should have given more emphasis to the work and needs of v Fruitland Institute. Further, remarks " were made by Rev. A. E. . Brown. Rev. K. W. Cawthon, Rev, J. C. Owen. Rev. N.- A. Melton J. B. Freeman and Noah M. Hollowell. - , , t On motion of Rev. N; A. Melton a- committee of three was appoint : ed to formulate a plan for raising money to complete the Adminis tration building for Fruitland Institute. - The Moderator named tke following committee, : Rev. K. W. Caw thonl Rev. N. A. Melton and D. S. Pace. r v - - Adjournment taken. until 7:30 o'clock Wednesday night. WEDNESDAY NIGHT SESSION. With Rev. T. C. King acting as Moderator the Association con vened at 7:30 o'clock and sang "Holy, Holy. Holy," which was fol " lowed with prayer by Rev. James M. Justice. Rev. W. R. Bradshaw, representing State Missions, was recognized as a visitor. .- - . : , . " ... A - Committees expected to make reports . in accordance with the Order of Business , adopted were absent and T. .N. Redden moved -that the Association be addressed by Rev. James M. Justice on Foreign missions. The motion prevailed and following the song "Higher Ground," Rev. Mr. Justice told interestingly of th work in which he had been' engaged in Argentina and the opportunities for more extended missionary work in South America. The sermon was followed with prayer by Rev. W. R. Bradshaw. "Stand up, for Jesus" was sung and the benediction was pronounced by .Rev. W. R. Beach . - . THURSDAY MORNING SESSION. The Association was called to order by Rev. T. C. King, Moderator pro tern. Archibald Jqjmson led In prayer. . REPORT ON ORPHANAGE. Archibald Johnson, editor of Charity ahd Children, submitted the following report on 'the Baptist orpfcanage at Thomas ville : ' Our orphanage is the keystone in the arch of Christian service. If this stone is properly. placed all the others "in the arch will hold firm; if it is improperly placed the whole structure is in danger. Love : for the Orphanage among our brethren is intense but not .. universal ' The great need is to lay upon the heart of every ch arch and Sunday school the Orphanage obligation. If this consummation is ever reached the problem for ample support for ; the institution: will. be solved. t , - , A .. Owing to the large advance that has been made within the past year the Orphanage is heavily In debt. . This brings the unpleasant necessity of making a large outlay for interest on borrowed money, which goes to banks instead of to the children. This ought not to be. We are abundantly able to pay every dollar the institution owes this year, and if able, we ought to be willing. , . : It is proposed to our people that the income of one day be sacredly set aside,, at or near Thanksgiving day, and devoted to the Orphan age. If this would seize-the hearts of our people and every man woman and child would enter heartily into this loving service, every dollar of debt would be wiped out, and the institution would be free from the bondage that now hampers Its work and curtails its use fulness. - . We earnestly urge every member of the churches of this associa tion to join this "work day" movement and give the proceeds of one day's labor or income to the Orphanage. We may do more but w should not do less. . . . . . . . Every Sunday school ought to set aside one Sunday In each month as Orphanage day and give the members an opportunity to make a contribution to the Orphanage. Only a little over one third of our Baptist - Sunday schools are enrolled among this loyal band ot monthly givers. Every Sunday school ought to take a club of Charity & Children and an individual copy for pastors and homes that are not represent ed in the Sunday school. The paper is the Tight arm of the institu tion and aside from the information and inspiration it furnishes pro duces a good dividend for the support of the Orphanage. During its thirty years of continued growth the institution has sheltered and trained over 1600 boys andi girls, who are now out in ? the state as teachers, preachers, doctors, printers, farmers, business . men and fathers and mothers of happy homes. . There are 9 in yarl : ous colleges and", about a dozen in the denominational Wgh schools." The present number is 500450 at Thomasville. . 50 at .Kennedy Home with an average cost of $113.28 per child or -31 cents per day. aggregating. an annual cost of $56,640.00. . ; - Our Orphanage has been enlarged and still the. task looms before us as just begun. We urge every member of this association that ..they regard the Orphanage in larger terms as an oppotunity unpar-, alleled. This waiting door stands too wide for "same as last year" contributions to ever satisfy any working body of Baptists. Your committee recommend: 1 A liberal Thanksgiving offering emphasizing the Importance ot "WORK DAY," giving not less than one day's labor or income to the Orphanage. ; : i -2. That every Sunday school will sacredly set apart the collec tion of one Sunday in each month for the support of the Orphanage. 3. That every Sunday school take a club of Charity and Children. On motion 'the report was adopted. - v -- REPORT OF NOMINATING COMMITTEE. ? Rev. N. -A.-' Melton read the following report on Nominations ana the same was adopted:- ' - - - ; ----- ' " Trustees of Fruitland Institute for. one year J. B. Freeman, B. Jackson. K. W. Cawthon D. S. Pace. J. Foy Justice. r For Two Years G. J. Lambeth W. W. Marr, R. M. Pryof, N. A. Melton, E. J. Rhodes. -.- For Three Years J. L. Whitaker. A. I. Justice. W. J. Baldwin. R. N. Pratt, C. E. Puett . Delegate to Southern Baptist Convention A. I. Justice, alternate. N; A. Melton. '' .. . :; " '. : ' - ;-' Delegate to State Baptist Convention K. ' W. Cawthon : alternate K. N. Pratt. ; ;" ' ; ' . ' : Executive Committee D. S. Pace, G. J. Lambeth, T. LI Durham. Introductory Sermon W. W. Marr; alternate, C. E. Puett J. B. FREEMAN, " N. A. MELTON, t . : 7 ; . For the Committee. CAMPAIGN FOR FRUITLAND INSTITUTE. . v v ' D. S. Pace and N A. Melton acting for the committee to formulate plpns to raise funds" for completing the administration building for Fruitland Institute, made the following reportwhich-was adopted': In view of the urgent need of funds to complete the Administration - building at "Fruitland Institute we' recommend that- the executive committee of the Board of Trustees employ a man to "visit the.. churches and solicit funds until a sufficient amount has been "secured. On motion it was decided to appoint a committee of five to confer V with the Transylvania Association with . reference to Associational high school work, it having been explained by Rev. A.-1. Justice that there had been talk of co-operation along this line between thm Transylvania and Carolina associations. The cause of State missions was presented by Rev. W. R. Brad shaw, that of Home jnlsslons by Rev. J. C. Owen and that of Foreign missions by Rev. James M. Justice, each being allowed thirty min- - utes for discussion. Rev. A. I. Justice and J. O. Bell also discussed -missions. ' - On motion of Rev. R. N. Pratt the Association voted to leave with the the . Executive Committee the matter . of apportioning among churches mission funds to be raised. : On motion the three reports were adopted. Adjournment was taken at 12:30 P. M. ' - THURSDAY AFTERNOON SESSION. The afternoon session was opened with a solo; "Ninety and Nine," by John Bishop, followed with prayer by .Rev. E. B. Troy. STANDING COMMITTEES FOR NEXT YEAR. ' ' The Clerk read the following list of standing committees for the next year: " . State Missions N, A. Melton. . -Home Missions J. O. Bell. Foreign Missions R. N. Pratt. Education-K. W. Cawthon. . Orphanage W. W. Marr. - rv Periodicals N. M. Hollowell. Sunday Schools W. A. Morris. Temperance T. C. King State of Churches W. H. Davis. Continued on Page 5 ' ' ' - STATIONERY that we turn out in our Job Priritirig Department is the best in tovyn, w e strive to please our customers at Co Order by Phone No. 6 RURAL CREDIT FOB NORTH : CAROLINA FAjaMEBS PROYIDEDV ' (By Prof. R. A. Reed. Flat Rocfc) It hardly seems possible that the farmer, the most important first hand producer of - primary wealth, could have stood by and have seen the man ufacturer, the Jobber and the whole sale . and retail . merchants whose very existence depends on him, develop their methods of securing operating capital and credit systems while he has become a part of no system hrough which he can secure either capital or credit. If the manufactur er and the merchant need credit, how much more so does -the farmer need working capital and credit with which to produce his raw products. The farmers of North Carolina are paying time prices to the merchants from 40 per cent Jo SO per cent above cash prices. Having no means but the crop lien of " securing working capital or credit, they buy fertilizer in the spring expecting to pay for it when the crop is marketed in the fall, and in so doing pay the larger part of their profits to the supply merchant in time prices. Then again they buy their harvesters In early June and pay $140 when their ctops are marketed in; the fall,- while, tf they couldC-man the necessary, credit the same machine would cost , only, $118 in June. It is not only In these, things but in all of their supplies they are giving the sup-: ply merchant the biggest end of their profits. : ; If they go to the banks, they get pv little better v results . there in paying double and treble what' they get; on their deposits; and even at such rates. there is difnculty In securing credit when It is needed most The results' of such a condition are not hard to see. Having little or no working capital, they are forced to plant less and become the small pro ducer of products which they are many times glad to sell at a margin of a few cents above cost ot production-f-a margin that barely enables them to eke out a living in spite of their hard work. ; , ; :- ; . . ' - Is this the situation everywhere might be asked? In Germany in 1913 there were lf.OOO local organizations of farmers combined In Kural Credit Unions;: doing a business ; of -a .little less than 7 billion dollars a "year -in almost 'every, phase of agricultural production., "In Denmark; we find- a similar situation which ' has not bnly made' farming .more profitable but has been the chief instrument . In giving". to Denmark" a splendid system of -ruta! schools ; that is the envy o many na tions. In Ireland, it has meant in creased thrift and descreased "tenancy; To use the words'ot Sir: Horace.1 Plun kett, it Tesults In "Better farming; business and better living.". -; " , In our own c6untry,the-Rural Cred it Union is making a" -beginning. 'In Wisconsin, Massachusetts, New York Texas and North - CarolinarCcrflpera '. tlve - Credit Unions have been encour aged and provided for by the state leg islatures. .. . . , . v . In any form of co-operation there Is strength and telling power in matters of finance. -What organized Rural Credit Unions have meant and now mean to Germany, Denmark, Ireland and other European countries, they would mean in North Carolina. Far mers by thus combining together get. wholesale . prices and . rates, so to speak on working capital and credit. They secure money, easily and when it Is needed at reasonable rates Instead of paying from 8 per cent to 12 per cent. Commercial banks are not de signed to fit the needs of the farmer. The rate in organized Rural Credit Unions is from 3 per cent to 3 1-2 per cent for long term loans, the kind of credit accommodating the -farmerr-needs.". . - ' - ':- : But can this be done In North Caro lina? The past Legislature of 1915 passed an act giving.every encourage ment to such Credit "Unions. The act not only provides for the organization and chartering of unions but for their supervision also. - A supervisor has been authorized to give farmers infor mation about organization teupervi sion, .to auditing their books and give general advice and help whenever needed. , The .only requirement being made is that as many as seven men shall ask for such asslstence in the organization or union. . It is now up to the farmers them- -t selves" to do their parti ;i&a fhey con tinue to , operate unaer ,the conditions of the : past ' knowing what Is being done elsewhere ? Is there; any reason why they should not form Credit Unions? - -:- - r WHERE THE BIG TREES GROW. Everybody ' who goes west should make it a : point to visit Sequoia Na tional Park, one of the most interest ing places in the world." yet little known east of the Rocky Mountains. Here are over a million of the biggest trees . known to mankind. Some of them are- over three thousand years old, and date back to the time -when Moses led the Children of Israel out of Egypt The biggest of these giant redwoods are nearly three hundreds feet ;high. and over thirty-five feet in diameter. V: . v .- The amount of wood In one of these monster trees Is almost inconceivable. In a recent, statement issued by tho government ,the following figures are quoted from Ellsworth Huntington: "Three thousand fence posts, suffi cient to support-a wire fence around 8,000 or 9,000 acres, have been n ade from one vot these giants; and that was only theft first s,tep fbward using its carcass. Six hundred - and fifty thou sand - shingles, enough to cover th roofs of - seventy or eighty houses, formed the second item of its houses Finally there still remained hundreds of cords of l firewoods which no one could use because of the prohibitive expense of hauling the Wood out of the- mountains. The upper- third of the trunk and all the branches lie on the ground where they fell, not visibly foolish' camper' shall light a devtat enduring; but simply waiting till some foolish camper, shall light a devastat ing, fire." Farm Life. - NEW RAILROAD. Companr to Build Boatf From Ruth erfordton to Colambiis ; -, ric (Rutherfor4ton; San.) ::,.: : It is not. only- possible bijt very pro bable that Rutherfordton . will soon se cure , a "much needed improvement in railroad facilities. A movement is un der, way to build a road from Ruther fordton to Qoliimbus. . . : 7 , In 1911, a charter was granted to the old orth Carolina - Internrban" Rail way company; which proposed to con ruct . a ; railroad irr6m .Gastonia to Asheville with extensive tributary lines.. .This . plan was abandoned and the charter granted to. this old com pany; has been taken orver by a new or ganization. The -reorganized com pany haa .authorized capitalvstock of $5001,000 . and bargains : to , begin work with $100,000. --: . .. r-:.-, The final success ot . this proposition depends largely - on the action of Polk county and Union . township in this county. ; If Union , township: and Polk county "will -vote bonds for building the road through their " sections of the route the road will be built. ,. .This road means much in. the devel opment . of - RutherfordTand1 Polk coun ties. It ? would enhance the value of real . estate and bring convenient rail road .facilities to a large number of citizens. . . . : Practical business men are behind the proposition. W. A. Harrill is pres ident of the new company M. L. Jus tice, vice president, K. S. Tanner, treasurer, and York Coleman, secre tary. Directors': John CL Mills. S. B. Tanner, M. H. Biggs, W. W. Hicks. G. S. Harrill, Paul H. Allen, M. L. Justice, K. S, Tanner, C. D. Geer and C. L. Miller.; Other stockholders: M. Geor gian, C. M. CoIemani.r George L. McKay, M. O. Dickerspn, and Fred Hamrick. u The company newly formed is a strong one " and important develop ments may be expected at an early date. A considerable portion of the funds is always in sight and it is hop ed that Union - township- and Polk county will join in. with the necessary co-operation to build the road to Columbus. A Sure Way, The easy mark who sent a half dol lar to the fellow who advertised "A sure " way . to prevent swimmer's cramps' received "this answer: "Don't swim." Cleveland Plain Dealer "