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. II! Ill This Papke is 43 Ykar3 0ld CHARLOTTE, N. 0.; THURSDAY, MAY 21, 1896. VOLUME XLU1. NUMBER 2244. THE CHARLOTTE DEMOCRAT PUBLISHED KVKBT THCBSDAY Terms One Dollar cash in advance. o Entered at the Post Office in Charlotte, N. C, as second class matter. DRS. McCOMBS & GIBBON, DESIRE TO INFORM THE PUBLIC, That they have this day entered into a copart oership for the PRACTICE OP MEDICINE, AND SURGERY. March 1895. vMwrch 15.1895;, JOHN FARRIOR, WO 4 BOUTS THTON STREET, CHARLOTTE, N. C. WATCHMAKER AND JEWELER, DEALER IN Diamonds, Watches, Clocks, Jewelry, Sil ver and Silver Plated Ware. 3gT Special attention given to Fine Watch Repairing. Jan 25, 1895. BURWELL, WALKER & CANSLER, Attorneys-At-Law, KOOM8 N08 5, 6, AND 13, LAW BUILDING, CHARLOTTE, N. C. Jan 4, 1895. DR. E. P. KEERANS, DENTIST, CHARLOTTE, N. C. Offtcb 7 West Trade Street Nov. 2, 1894 DR. GEORGE W. GRAHAM. OFFICE, 7 WEST TRADE 8T. Practice limited to Eye, Ear, Nose and Throat. April 3, 1896 JOHNSON & POPE. -:0:-43 South College bt -:o:- The largest stock of cotton gins, boilers, presses, Saw mills, mowing machines, Har vesters and pumps. Come in or write. All kinds of machinery. JOHNSON & POPE. April 8 1896 2 m. HUGH W. HARRIS, Attorney and Counsellor at Law, Office, Nob. 14 and 16 Law BuildiDg, CHARLOTTE, N. C. July 6, 1895: F, 7. OBltORNK, W. C. MAXWELL, J. W. KEERANS 0Si?0RNE, MAXWELL & KEERANS, Attorneys at Law. CHARLOTTE, N. C. jy Offices 1 and 3 Law Building. Will practice in the State and Federal Courts. Oct 20, 1895. DRS. M. A. & C. A. BLAND, Dentists. CHARLOTTE, N. C. No. 21 Tryoh Street. ian. 3, 1806. SRJOT CLARKSON. CHA8. H. DULS CLARESON & DULS, Attorneys at Law, Charlotte, N. C. Pmmnt attention vtven to all business in trusted. Will practice in all Courts of the state. t&Offioe So. 12 Law Buildup. Oct. 7. 1896. H. N. PHARR. ATTORNEY AT LAW. Office jio. 14. Law Building. Prompt attention to all business intrusted. Special attention given to claims. Practices in State and Federal Courts. Jan. 6, 1895. Cattle Owners 1 Listen t The best possible Cattle Food is MANGEL WURZEL BEETS We have the seed of Line's Imperial and While Sugar. Plant now ! R H. JORDAN & CO., Prescription ists. April 17, 1896 GO TO ALEXANDER'S DRUG STORE, NO. 216, NORTH TRYON STREET. teeps a well assorted stock of all articles usualy kept in a Drug House J. B ALEXANDER. The Poor prescribed for free. April, 8. 1895. QUEEN CITY HOTEL. In visiting Charlotte, Don't fail to stop at the Queen City Hotel, Corner East Fifth and College 8ts, Everything first-class. RATES, $100 PER DAY. July 6, 1895. W J MOORE, Prop'r. E. NYE HUTCHISON. FIRE INSURANCE. 'Offices 16 East Trade Street ; 4 North Tyon iStreet, up stairs. Feb. 18, 1895. Probably Caused by Heavy Rains. Monro Enquirer. Ad immense fissure in the earth has made its appearance on the top of Iron Mountain, between North Carolina and Tennessee, on the Bakersville Road. Thi opening is six to twelve feet wide, and runs along on the summit lor the entire length of the mountain, which is several miles. It is supposed to have fceen caused by the recent heavy rains, which fell there, the earth becoming so saturated that it gave way, causing tbis mammoth crack. TRUSTEE'S SALE. By virtue of a Dted in Trust made to me by J. 8. Smith and wife on September 12th 1890, and recorded in the office of the Register of Deeds for Mecklenburg County, North Carolina, Book 73. page 116, and on account of default be ing made: in the psrformaice of the conditions therein Contained, I will sell on Monday, June 1st A D., 1896, 1o the highest bidder at the County Court House Door in the City of Char lotte, North Carolina, at 12 o'clock m., all the following land in the City of Charlotte, to-wit : Beginning at a stake oa the South side of Watkins Alley, Pinkney McLean's corner, and running with said alley in a Northwest direction 50 feet to a stake, Franklins corner; thence with Franklin's line in a Southwest direction 99 feet to a stake in E. B Spring's line; thence with his line, parallel with said Alley 50 feet to a stake, McLean's corner; thence with McLean's line 99 feet to the beginning. This April 29 1836 Terms ash. HERIOT CLARKSON, April 30, 1896 5w Trustee. TRUSTEE'S SALE. By virtue of a Deed in Trust made to me by I H Wilson and wife on November 14th 1894, and recorded in the office of the Register of Deeds for Mecklenburg County, North Carclina, Book 103, page 52, and on account cf default being made in the performance of the conditions therein contained, I will sell on Monday, June 1st 1896 to the highest bidder at the County Court House Door in the city of Charlotte, North Carolina, at 12 o'clock m., all the follow ing land in the city of Charlotte to-wit : Be ginning at stake on W. 9th Street, Walter Brem's corner and running with Walter Brem's line 270 feet to a stake R. Rintles corner; thence with Rintles line towards Myers Street and parallel witb 9th Street about 50 feet to a Stake; thence parallel with Myers Street 270 feet to a stake on W. 9th St; thence n bout 5.0 feet to the beginning. Tbis April 29 1896. Terms, Cash C. L. HUNTER, April 30, lb96 5w Trustee. TRUSTEE'S SALE- By virtue of a deed of trust made to me on the 26 day of March 1895,by Join W.Goodman.I will sell at public auction at the court house door in the city of Charlotte to the highest bidder, for cash, on May 23rd, 1896,one lot on east 7th street. For description, reference is made to deed in book 110, page 327, in the office of the register of deeds for Mecklenburg county, N C. This lot is sold to sitisfy the debt secured by said deed of trust. A. R. STOKES, Trustee. April 24, 1896, 5 w. $1,0 o o. oo WORTH OF ODD PIECES OF FURNITURE To be sold at about 50c on the $1.00, at Thomas & Maxwell's. In checking np our stock we find that we have 70 odd Bureaus, 82 Beds, about 300 Chairs and several other odd pieces tha. will notttfiteh with SUITS, thtt we propose to sell at From 50c to 75c on the $1.00. We sell Furniture, Cook Stoves and House-Fur nishing goods cheaper than any other HOUSE in North Carolina. IF YOU NEED ANY OF THESE GOODS, Now is the time to buy, as you can save about 50c on every $1.00 you spend by trading witb us. Thanking you for past favors, we re- nrain, Yours very truly, THOMAS & MAXWELL, 23 West Trade Street, Opp. Court House. Oct. 11. 1895. MELLON & SHELT0N ED. MELLON. TOM. SHELTON. BOYS, BOYS, BOYS' SPRING SUITS. STRAW HATS BY THE THOUSANDS . SUITS, UP TO DATE. New and Pretty. H IET UMBRELLAS, Socks, Collars and Curls. BEAUTIFUL SUITS. The Best Goods and Low Prices. COME TO SEE US. NEXT DOOR TO H. BARUCH May 1, 1896 Uoose Grease Goose grease Liniment will cure you of Rheu matism, neuralgia, toothache, headache, pains in eidoa nr hark and in fact everv nain von have if it does not do this take the bottle back to your f Awnivtviat on? trot vrtnr mnnev Snlii hv all dnir- gist. April 10-1 y. Wat Hardin's Mission as an Orator. Louisville Courier-Journal. Some of our Kentucky contemporaries are taking too seriously Mr. Wat Hardin's oratory ou the silver question. Bless you, boys, Wat's oratory is harmless. Not only that, but it is refreshing in these day b of drought to find such an oasis of picturesque ignorance. Mr. York Don't yon have trouble in keeping track of your city limits? Miss Chicago Tes, but there is a strong movement on foot to abolish them altogether. Truth. North Carolina, Mecklenburg County. By virtue of a decree of the Superior Court of Mecklenburg county, North Carolina, in the case of William H. Wilson, Administrator, etc, against William A. Wilson and others, I will sell, at the County Court House door, in the city of Charlotte, N C. on Saturday, the 20th day of June, A. D. 1896, at 12 o clock M , to the highest bidder, all that land in Mecklenburg county. North Carolina, to-wit: First Tract: Known as the "Cochrane Place" of M N. Wilson, in Crab Orchard Township, adioiniDg the lands of M. B. Wallace and others, containing 146J acres. Second Tract: Known as the "Baker Tract' of M. N. WilEon, in Crab Orchard Township, near the first tract above mentioned, containing about 10 acres, and adjoining the lands of J. N. Lee and others. Third Tract: Known as the Wallace Tract" of M. N- Wilson, containing about 31 seres, and near the above mentioned land in Crab Orchard Township. Terms of sale, one-third cash and the balance in six months. A plot of said land can be seen by applying to Messrs. Clarkson & Duls, Attorneys, Charlotte, N. C. J- E HENDERSON, May 14, 1896 6w Commissioner. Mortgage Sale. By virtue of a powar contained in a mortgage deed made to G C. Morris, now deceased by F. M. Winchester and wife, M. W. Winchester, on the 22nd day of October. 1889, and registered in book 63, page 169, in the effice of the Register of deeds for Mecklenburg county, I will sell at public auction, at the court house door, in the city of Charlotte N. C, on Monday, the 8th day of June, 1896 a lot of land lying in Crab Orchard Township, in said county, near Hickory Grove Lurch, bounded and described as follows, to-wit Beginning at a stone near the cross roads, runs South East 16 poles and 24 links, thence North 62 .East, 9 poles and 15 links, thence .North 23H West, 16 poles and 24 licks, thence with the road south b3 West, 9 poles and 15 Jinks to to the beginning, containing one acre. Upon this land there are good buildings. Terms cash. This the 5ih day of May 1896. JOHN R. MORRIS, Administrator, of G. C. Morris, deceased May 7, 1896 5w. Execution Sale. Under and by virtue of an execution in my hands issued out of, and directed to me from, the Superior Court of Mecklenburg county in civil action entitled State ex rel F. I. Osborne, solic itor, etc., againBt F. Lee Erwin and others, I will sell for cash, at public auction, at the county court house door iu the city of Charlotte, at 12 o'clock m., on Monday, the first day ot June, A. D. 1896, to satisfy said execution, all the right, title, interest and estate of said defendant, F. Lee Erwin, in and to that certain tract of land in Steele Creek Township, Mecklenburg county, N. C, adjoining lands of W. M. Porter, A. R. Erwin, deceased, and others, bounded as follows: Beginning at a stake in Porter's line, corner of Lot 7, and running S. 53 W. 50 poles to a small P. O. (black oak gone); thence 8. 60 W. 88 poles to a W. 0-; thence N. 28 W. 11 poles to S. O. stump; thence S. 17 E. 94 poles to a stake in the Wright's Ferry Road, corner of Lot 4; thence with the great road in an easterly course to a large poplar, beginning corner of Lot 7; thence with Lot 7 to the beginning; containing 7 acres, more or less, known as Lot No. 5 in the division of the lands of W. L. Erwin, deceased. Z. T. SMITH, Sheriff. April 30, 1896. 5w Commissioner's tale of Land. By Virtura of a Decree of the Superior Court of Mecklenburg county, in an action entitled Mrs. L. L. Wheeler, et al, vs James Stedman and wife.l will, on Monday, the 1st day of June, 1896, at 12 m , at the court house door, in Char lotte N. C, sell to the highest bidder, at public auction, for cash, that valuable tract of land con taining about Eighty two (82) acres, ly ine in Steel Creek Township Mecklenburg I county, adjoining the lands of Z. G. Mc- tjuaig, W. JJ. Mctjuaig, jonn uteaman ana others, and being described particularly in a certain deed of trust by James Stedman and wife Nancy Stedman, to W. M. Little, duly registered in book 94, page 102, of Register's office for said county, to which reference is made. This May 2nd, 1896. A. G BRENIZER, May 7, 1896 4w. Commissionsr. Trustee's Land Sale. By virtue of a deed of trust executed to me by W. P. Dixon and wife on the 3d day ot May, 1894, and recorded in the Register's office for Mecklenbure County, in book 99. page 58, 1 will. on Wednesday, the 10th day of June, 1896, at 12 o'clock m., sell to the highest bidder, at public auction, at the Court House door, in the city of Charlotte, all that lot of land, described in said deed of trust, situated in the city of Charlotte, in the county of Mecklenburg, state 01 Nortn Carolina, adjoining the landj of J. C. Smith (formerly) and others, and bounded as follows, viz : On the northwest by Poplar street; on the southwest by Ninth street; on the northeast by property of Franklin Cox (formerly) and on the southeast by an alley, saia 101 ironiing sixty feet on Poplar street and running along IX in in street one hundred and eighty feet; also an ease ment or right to use forever the alley now opened on southeast boundary ot said lot: tie iner the same lot of land that was conveyed to W P. Dixon by J. C. Smith and wife by deed dated April 1st, 1890, and recorded in the Regis ter of Deed's office for Mecklenburg county In book 70, page 608. Terms, cash. This 6th day of May, 1896 H. N. PHARR, Trustee. May 7 4w THE CHARLOTTE IS THE Largest, Oldest and Best Equipped School OF ITS KIND IN THE STATE. Its courses are thoroughly practical, and in clude: Bookkeeping, both Single and Double En try; Banking, Joint Stock, Penmanship, Arith metic, Commercial Law. Business Correspond ence, Spelling, and Shorthand and Typewriting. Thoroughly competent teachers. College is located in Y. M. C. A. Building. Write for particulars to JACKSON & HAYWARD, April 24-tf Proprietors. COIffiEMAL COLLEGE "Mother Has Bad Her Day." If mother would listen to me, dears, She would freshen that gown, She would sometimes take an hour's rest And sometimes a trip to town. And it shouldn't be all for the children, The fun and cheer and play; With the patient droop in the tired mouth, And the "Mother has had her day." True, mother has had her dnva, dears, When you were her babes three, And she stepped about the farm and the house As busy aa ever a bee. " When she rocked you all to sleep dears. And sent you all to school; ; And wore herself out and did without, And lived by the golden rale. , . And so your turn has come dears, Her half is growing white, . '' And her eyes are gaining the far-away look That peers beyond the night, One of these days in- the morning Mother will not be here; She will fade away in silence, The mother so trae and dear. Then what will you do in the daylight. And what in the gloaming dim; And father, tired, lonesome, then, Pray, what will you do for him? If you want to keep your mother, . Y01 must make her rest today; Must give her a share in the frolic. And draw her Into the play. And if mother would listen to me, dears, She'd buy her a gown of silk. With buttons of royal velvet, And ruffles as white as milk. And she'd let you do the trotting, While she sat still in her chair. That mother should have it hard all through It strikes me isn't fair. Margaret IT. Sangster. Flying Machine Flew. Prof. Bell Describes the Langley Aerial Boat. Durham Sun. Prof. Alexander Graham Bell, promi nently identified with the invention of the telephone, who baa taken great inter est in flying machines, expresses his con viction that Prof. Langley of the Smith sonian Intitute has solved the problem of aerial navigation. He writes as follows: "Last Wednesday I witnessed a very remarkable experiment with Prof. Langs ley's f.srodrorao on the Potomao River. It seemed to me that the experiment was ot such historical importance that it should be made public "1 he aerodrome, or flying machine in question was of steel, driven by a steam engine, it resembled an enormous ' bird, soaring in the air with extreme regularity n large curves, sweeping steadily upward n a spiral path, the spirals with a diam eter of perhaps one hundred yards, until it reached a height of about one hundred feet in the air, at the end of a coarse of about half a mile, when the steam gave out, the propellers, which had moved it, stopped, and then, to my further surprise, the whole, instead of tumbling down, it settled as slowly and gracetully as it is possible for any bird to do, touched the water without any damage, and was im- mediately picked out and ready to be tried again. "A second trial was like the first, ex cept that the machine went in a different direction, moving in one continuous gens tie ascent as it swung around the circles like a great soaring bird. At one time it seemed to be in danger as its course car ried it over a neighboring wooded prom ontory, but apprehension was immedi ately allayed, as it passed twenty-five or thirty teet above the tops of the highest trees there, and ascending still further its steam finally gave out again and it settled into the waters of the river, not quite a quarter of a mile from the point at which it arose. 'No one could have witnessed these experiments without being convinced that the practicability of mechanical flight had been demonstrated." It is assumed, though Prof. Bell does not explicitly say bo, that no aerial navi gator accompanied the machine in the flights described. Too Dangerous to Pray. Lippincott's Magazine. Uncle Duff, hearing the noise, began to pray. Aunt Saluda joined him ier vently; Sam listened stupidly and in suf. focatiog terror. f ifteen cannon thundered together, over beyond the bridge, and a flight of shells in the air made a prolonged whir ring noise, followed presently by a rapid spluttering of musketry in the woods at the lower edge of the plantation. The regiment- went across the field at double quick step, knocking over the fences as they came in the way. Oh, good Lor,' ef ye kin spa' de ole man er leetle bit longer " began Un cle Duff, but his prayer was interrupted by an explosion on both sides of the river, rival batterios thundering at one another, and opposing lines of infantry exchanging long roiling volleys. Mrs. Farrow saw the cavalry scurry away from their lurking place under the river bank and disappear in the woods, while four or five heavy field guns, drawn by panting and over-worked bones, trundled rapidly along the red clay road, the drivers whipping and swearing. After a few rounds there came a short lull in the bombardment, during which a singular serenity pervaded the air and sky. "Dar, now, Lor', stop de wa right beah, and ler de ole darky " But Uncle Duff sprang to his feet as another awful cannonade began, and a shell burst on the railroad track in front of the door. He forgot his prayer. "Hell an' fury!" he cried, '-dat's dan geroust Gi' me my hat, for de Lor' sake. I'ee gwine cuten yerl And he rushed through the back doorway and across the garden to the woods, followed by Sam and Aunt Saluda. Uncertain Effect Mrs. Flynn "Wb:n I doie, Moike, wull yez miss me muck? Mr. Flynn "Oi'll tell yez whin yes be dead, rbaix, Urm not a fortin' teller. Truth. Marriage of the Goddess of Liberty. Chicago Times-Herald. The announceinant that the Goddess of Liberty is about to be married has aroused new interest in the woman whose face is known to more people than that of any other woman on the Amerioan continent. Every man, woman, or ohild who has a silver dollar carries the hand some profile of the Philadelphia school teacher, Miss Anna W. Williams. It is twenty years since the pretty blonde girl became world famous, it was then stated that Miss Williams' profile was the orig- nal 01 the fjroddess ot liberty on that much abused, much admired and equally mucb disliked Island silver dollar. The friends of the young woman placed every obstacle in the way of possible identifica tion, but tailed in their object. The story of how Miss . Williams . came to be the Goddess of Liberty may be retold, now that it is said she is soon to become a bride. In the early part of 1876 the Treasury department secured, through communi cation with the royal mint of England, the services of a clever young designer and engraver named George Morgan. Upon his arrival in this country Mr. Morgan was installed in the Philadelphia mint and was assigned the task of mak- ng a design for a new silver dollar. After many months of labor the young engra ver completed the design for the reverse side of the coin, upon which he repre sented the American eagle. His attention was then turned to the other side, and his original inclination was to place on it a fanciful head representing the Goddess ot Liberty. But the ambitious designer was too much of a realist to be satisfied with a mere product of fancy. Finally be determined the bead should be tbe representation of Bcme American girl, and forthwith diligently searched for his maid. It was a long search, although pleasant. He told his friends of his desire, and ona of them spoke of the classio beauty of Miss Anna Williams. The .English de signer was introduced to the girl. Mr. Morgan was at once impressed by her beautiful face and studied it carefully. Then he told her what be desired, and she promptly refused to permit herself to be tbe subject of the design. Her friends, however, induced her to pose before an artist.. After five sittings the design was completed. Mr. Morgan was bo enthu siastic that be declared Miss Williams a profile was the most nearly perfect he had ever seen. His design for the Bland dollar was ascepted by Congress, and so the silver coins have been pouring from the mints all these years adorned with a stately face of a Quaker city maiden. Miss Williams is a decidedly modest young woman. She resides on Spring Garden street, not far from the school in which for years she has been, employed as an in structor in philosophy and methods in tbe kindergarten department. She car ries ber figure wih a stateliness rarely seen, and the pose of ber head is exactly as seen on the silver dollar. The features of Miss Williams are reproduced as faith fully as in a good photograph. She is slightly below tbe aveaage height, is rather plump and fair, with blue eyes. Her nose is Grecian, and her hair, which is almost her crowning glory, is golden in color, abundant in quantity and of wonderful lightness of texture, the soft coil in which it is worn being es pecially becoming. True Friendship. Baltimore Sun. Adversity is the only sure test of friendship. While a man is prosperous and makes no demands upon any one for sacrifices he can command troops of so called friends, but he will never know who are his true friends until he has been obliged to call upon them for help of some kind. The money test is not the surest or best, but that alone when ap. plied will prove the hollowness of much professed friendship, but it is not infalli ble because some men set little value upon money; they give it away more freely than they would their time or their com fort. The true test comes when one is asked to make a real sacrifice for the sake of a friend to act unselfishly. Friend ship is love in a restricted sense, love ex isting between persons not bound to gether by ties of blood or of affection whose fruition is marriage, and it should have all the qualities of true love con sta oy, devotion, an unselfish desire to serve, it is when tbe subject 01 such love is in distress that true friendship exhibits itself at its best, and it is just at this time that lalse friends fall away; their friendship has been a sham, and the mask falls from them when they are called upon for something more than mere lip service. Tbe hardest trial through which a real friend has to pass is when he has to deal with a subject who has become unworthy and as to whose treatment be finds him self beset by conflicting duties. Suppose, for example, a man commits a crime. lie is arrested and bis friend comes to his as. sistance, but in spite of all efforts, convic tion follows and the subject is now a felon. Is it the duty of tbe friend to permit the law to take its course, or is it his duty to aid in getting bis triend par doned without regard to the interests of society or to the demands of justice? Suppose that he should now fall away would that be a proot of tbe insincerity of his friendship? It would not. It is, however, a great trial to friendship when for any cause an appeal is made on behalf of an unworthy person. It might fairly be claimed that because of his un worthi ness be had forfeited all claims to friend ship, but that is scarcely true. Love is, or should be, constant, even when be' stowed upon the unworthy. An Unworthy Effort Springfield Republican. Two New York Sunday papers (the World and the journal), hot rivals now in price and quality, are printing week after week pages that reek with tbe rec crds of crime and the doings of crimi nals. They are carrying suggestion and pestilenee into uncounted homes, and we respectfully suggest that reputable papers in Boston and .New England refrain from enterine.the field of that competition. It is an' unworthy effort and an outrage on the public. The Clearing Honse System and Methods. Public Opinion. Probably there is no other subject of equal moment about which the public, including very many otherwise well informed business men, have so little practical information. Many know and appreciate the fact that the clearing house is a convenient and timesaving agency for the interchange of checks be tween banks, and this very likely is the extent of their knowledge on the sub ject. Primarily the clearing house is a local association of banks for tbe purpose of "effecting at one place tbe daily exchanges between the several associated banks, and the payment at the same place of the balances resulting from such ex changes." In the intercourse between banks it has brought order out of chaos, and has been tbe means of replacing uu safe, unbusinesslike, and wasteful meth ods by a system of almost perfect accur acy and safety. It has made small sums of money do the work of millions. It has time and again broken the force of panics and saved communities, or the whole fi. nancial fabric, from utter demorilization and ruin. Through the reports that are published weekly, coming from every as sociation in the land, it is possible to form a fairly accurate opinion of business con ditions, and as tbe figures are usually published in parallel columns with those of former years we have before us an almost unfailing index as to whether business is better or worse. Then again each clearing house is a protection to itself, that is to each individual member, as though a system of periodical reports and constant liability to examination, ex cessive loaning and other forms of bad management are kept in check. In pro tecting itself the clearing house protects "outside banks" and tbe whole commun ity of which it is a part, and of course this restrainining influence, operating in its various parts is felt to a most salut ary extent through tbe whole body finan cial. But it is in times of panic and finan cialjdistrust tnattbis influnce is felt in the most marked degree, and in various ways The Bimple knowledge that a number of banks, among them tbe strongest and best managed in the community, are banded together for a common purpose, and for mutal counsel and protection, has a pronounced moral effect upon the pub lic mind tending to allay fear and pro mote confidence. At several periods in tbe financial history of the country a num ber of the clearing houses (notably those of New York, Boston and Philadelphia) have taken more active measures, and by the issuance of "Clearing House Certi ficates,' be used in payment of balances at tbe clearing house, have relieved some of their members from the necessity of using their currency tor that purpose. These certificates are issued by the clear ing bouse under the direction of a com mittee, and backed by the credit of the whole association. They are current of course only within the clearing bouse itself. How far tbis practice may. legU timately and safely be carried is not within the province of this articlo to discuss. In a recent address Mr. Simmons, president of the Fourth National Bank of New York city, maintained that "in American finance it is as powerful as the tbe iiank 01 Jingland in .English finance.' As early as 177d a system of clearings was in use by the banks of London, at east to the extent of having established a central office at which the exchanges were made and tbe balances settled. Al though the idea was suggested in this country as early as 1831, it was not until 22 years afterwards that the New York Clearing House Association waa per manently established. From that begin ning has been developed, step by step, the wonderful system which is now in oper ation, not only in New York but in some form in more than 80 cities and towns in the United States. In early days it was the custom to settle the debits and credits between banks each day by aieans of porters who carried the checks and currency in settlement of the resulting balances from bank to bank, a most prodigal expenditure of time and labor as viewed in tbe light of latter experi ence, to say nothing of tbe risk of loss in tbe carrying of numerous sums of money through the public streets. In each 01 tbe large cities there are a number of financial institutions, trust companies, savings banks and banks of small capital that are not members of the Clearing House Association. It is not safe to infer, however, that these outside banks are necessarily weak or small con cerns. Some 01 them are strong well managed, and conserative institutions that for reasons of their own, .or because their business is such that the require ments 01 tbe clearing house will not ads mit of their becoming members, remain out side tbe pale and clear their checks through a regular member. It is true however that tbe great majority of tbe large and strong banks belong to the Clearing House Association. A few words as to the method of "mak ing the clearings," by which is meant tbe operation of exchanging checks be tween a number of banks, an exchange that is accomplished in from five to ten minutes. There are many thousand checks aggregating in value millions - or possibly bundrels of millions of dollars Tbe work is done in one large room capa ble of holding, without crowding the re quisite number of workers, at least two from each bank. At a counter or at desks set side by side are spaces allotted to each bank in regular rotation. The manager is so placed that he can overlook the whole operation and control the body of workers over whom he has supervision. Some minutes before the hour appointed for tbe 'clearings" to begin the "settling clerks, "delivery clerks," and other bank Highest of all in Leavening Power. Latest U. S. Gov't Report iiSJDr LI v C messengers begin to arrive with their sheets, books and checks. The latter are done up in compact, secure packages, and having been carefully assorted before leaving tbe respective banks, and each package marked with the name of the bank on whioh the checks therein are drawn, and also with the amount represented. Upon the man ager's deak is a sheet ruled in four col umns, headed respectively, from left to right, "Balance due to Clearing House," "Banks Dr.," "Bank Cr.," "Balance due to Bank," the names of the members (banks) being on the margin. As the bank representatives come in they deliver at the manager's desk a ticket giving the total amount of the checks sent by each bank, which is entered on the manager s sheet , to the credit of such a bank. The settling' clerk takes his 1 place on tbe inside of his desk with his sheet or book in readiness. The delivery clerks stand outside with the checks and sheets on which are entered the various amounts they hold against other banks. Precisely at the appointed hour (if all tbe members are represented) at a given signal tbo delivery clerks march in regular process sion arounU tbe outside of the desks, de- ivering to those on the inside their re spective bundles of checks and taking receipts tberetor. il.se b settling clerk enters the various amounts to the credit of the presenting banks in rotation, and when all have made the rounds, raps idly adds tbe column, and (having already the amount brought from his own bank) computes the balance Dr. or Cr., and fill ing out a ticket in accordance with the result delivers it to the manager's desk, when it is entered. When alt are thus received the manager's sheet is "footed" and if the two sides correspond the work is pronounced correct, and the exchanges are completed. Should there be a discrepancy tbe work must be gone over until the error is found, for no settling clerk is allowed to leave tbe clearing house until the werk bal ances "to a cent." Of course this operation requires tbe greatest accuracy and dis patch and the most rigid attention to tbe matter in band. To insure this tbe code of rules and regulations is exceedingly strict, and the workers are prompted to extra diligence by the prospect ot a fine of several dollars in case errors are not found and corrected within a given time. The same incentive is applied to insure prompt attendance and a quiet and orderly deportment. The settlement of balances is accomplished at a later hour, tbe mom. ods varying somewhat in the different clearing houses, in some the balances are all paid in actual currenoy, or in cer tificates representing currency, in others the banks trade their balances in whole or in part, or those having credit balances oan them to tbe debtor banks untu tne following day, charging interest therefor. in some of the smaller clearing bouses the manager does tbe settling by draw ing against the debtor banks in favor of those baviug credits, going down tbe sheet from side to side until the balances on both Bides are disposed of. The Virtues of the Apple. Dr. G. It. Searlea, Detroit Bulletin of Pharmacy The apple is such a common fruit that very few persons are familiar with its re markably efficacious medicinal properties. Everybody ought to know that the very best thing that they can do is to eat ap ples just before retiring for the night. Persons uninitiated in the mysteries of the fruit are liable to throw up their bands in horror at the visions of dyspep sia which such a suggestion may sums mon up; but no harm can come to even a delicate system by tbe eating, of ripe and juicy apples just before going to bed. The apple is excellent brain food, because it has more phosphoric acid in easily di gested shape than other fruits. It ex cites the action of the liver, promotes sound and healthy sleep, and thoroughly disinfects the mouth. This is not all. The arple helps tbe kidney secretions and preveLiS calculus growths, while it ob viates indigestion and is one of the best known preventives of diseases of the throat. Everybody should be familiar with such knowledge. One Hundred and Fifteen Years Old. Rutherford Democrat. Mrs. Nancy HollifieM, who lives near Eilenboro, in this county, is tbe oldest person in the State, if not in the world. Her age is 115 years. She is bright, cheerful and talkative. Some two or three years ago she fell and injured ber hip, and since that time has been con fined to ber bed. Her health is good and she eats heartily. Tbe Yonng are made prematurely aged by diseases (alas, how prevalent 1) which make them pale, listless, low spirited, morose or irri table in temper, easily tired, forgetful and incapable; fill mad-houses and swell the lists of suicides; separate husbands and wives; bring untold suffering to millions, even to the third and fourth genera tion. A complete and scientific treatise on these ailments, their symptoms, na ture and proper management, prepared by those who have had a vast and sues cesstul experience in their treatment and cure, will be mailed, secure from obserras tion in a plain sealed envelope, to any one sending enclosed with this notice ten cents, for postage, to World's Dispensary Medical Association, 663 Main street, Buffalo, N. Y. Gawge How much does your bicycle weigh? Cholly Fifteen pounds, tbe agent said; but so long as the last installment isn't paid, it weighs about two tons on my mind. SummervUU Journal. (6?