JUL 1 Somerset Herald. EST3UiHED tS27. cVzxs ot iublication f-fiti tnsJ vlasaT rnoraSnf; at C --pvoo wtU iinatnaad tnttl aj vt.ec ibscrlben dc not ta got thi fceia i.poxistble toe Mm niacrtp- ranxrriEt' ftoa on postoato to an- dpfsasntoaes. Address . XkB SotCZBttR Hmin V poaxaorr. Pa. -,.?yty M. ir.r.i.i-r. i - r f T II aTTORN EY-AT La A bKAAtR. Pa. .. . i Koaoei. ESQ. (itWJ ' . r HOLBERT. A a TTVk.NET-AT LAW. , aosteriet, Fn. .iti John H. Cut r, TV. F.IKS ECKEK, V- ATTuh-VT-AT-LAW, A lsomerse, Pa. s. -luna- House Bow, opposit. Court R. SCULL. .' a TTLK K Y -A T-LA W, v. rsnccrsct. Pa. eoaaerset. Pa. v s T M-LEY. H AlTuiOi ET-AT-LAW, somerset. Fa. HLBALR, Ai roK-NET-AT-LAW. cuiacrset. Pa., 1 sr. '- somen and Aijoiniii eoun--J..;1 ttiiraeted to aun wui r.-ue f .c -;:i.:ou. "YjiTA'.TH. H.KCTTBL. v lt K'-'TH A EUPPEL. I Al K'K.SfcYa-Al-LAW. v rw-tiw-rset. Pa. , - e:rjj.-3 to their cAie (ill l - -.. .. . .... ... . ... j rtrvtt. oi UUX AtAUUliUlit Butca, klXJSTZ, A IlOivN 1 1 -AT-LA W. auAiKrset, Pa., , T i t.ui iiLus avj , upueiu; Ut Cnirt J iL0. KIM MEL, soiui-net, Pa.. J l. rruii. A ri vivN t Y-AT-LA W , &jiaersrt. Pa. A 'aji Nrtvt. BiAdr. taum C.K.-S. -L. C COLBOEJ. UXjilS 4C0LB0EN, AI1Jl0.i.V3-Al-LAW. tx-mcmet. Pa. a! l iriort. eutral to our tmrs mill b r.'-:'..j Ai.J i4viui;u.; .'.undtil u. i-olituoui riLXKY. F.H UELL, LL AlTuiJ.i.Y-Ai-LAW, t-tary li.d Peauis AceaL OCc la MuniaiAk i.uiA VAIX.VTIE l.AY, AiiulvNi.V-AT LAW. Bumenrt, Pa. A !a RbaJ EAle. Ui Attend to AH Tun:.' h. vhu J ATTvtiNEY-AT-LAW, butnerwt, F. k ; j:.' jl. icj't ivAueed on ouu.touA, dtc Of- D :. '. F. HAFEER, I-HY?'..1A. AM iURi.EON. tEtaTT, PA-. -.atr-.: -1 v.i iii.T OS... neit lour to T "W. rAKl"THEI M. P. J lrilsl- 'AN AM slK .ti'V, ?-jH?T, PA- m jSia nrvn. next duor to Lutheran D3 U. S. KIMMELL, Triien h -of -:orai rrri'.'Ci to the eitiEM l'.'-.'v-i fcin. T.i iriiiT. tales j.roirtoua-iy tM-i a rjtn :t I-j -1.4 l hjt uwet oq Main ot. rY J. 1L UiETKER, Fill -iTLOS AND fr-lTHGEOS. ; k.-:i-l j-uiAjtnOy in Somerset for the i "-: t in of s vure. D3 J. S. M'MILLEX, " w-jl AiVriiUcm to the preerTAtieo of ' ut-:v u-ia. ArUit Al rts lturted. Ail r.---'.e! torr. uiht in tti "CaisrM M I.)tiiA, C.' nore, corner - -?v tual ht..-!ut Kfttlt. D LLMlsT. a- " - k. . i.m j.rtifr-1 U) do .11 k;ndA (,r n a r..u.A-. rir..ttnf. eTirAcUuir. .. ; ietn All t.ud. n..! of the fca ust.TrC AA wort gUATAiitetrd. CURTIS K. GROVE, SOMERSET, PA. tLEJoHS, CAltRIAGES, WA-.va. eccx wagoxe. AVI' IATEBS AXDWESTIiS WORK fun: tJ oa alort NoUoe. trj Done on Short Time. a: u. Mi-.. a,j f uhMADUALy l K.TJrur,i N..J tiuinxA. And u. f. t ruiCArtHa. 7 27 First Class Trinen. Ai: K:n4 Igkr Um Doo oa . .VAiot Pni-e. ktA.SO.N ABLE, And AH Work Warranted j " J-iAKiiiw my 8to k. and Lum PrVe. t " -t. ad4 fan:ih Selvw far Wlcd fc-ffitwr tiw pUoe. and CAll in. CLTITIS K.GE0VE, ittm. of Court bouM ) 8C5IEESCT. PA tTT TO OLDER. W C. WHITE LCMBER CO, 9;., Cumberland. Mi. 1 EES - Bruise, Spmim ud Swelliug. T't Hi oa Bun. 41 I nwrx Pr, tV, Sot, and fL rtiie. i'4,EENN' W-fi-, Ane5heny, Pa. SjEmt, Pa. r LUMBER, 1 i ie YOL. XXXIX. KO. 29. PUBLIC SALE. OF Vahatls Rsai Estate! PY" yiRTVEnf An mirnf a Iwtd wnt nf the Ori-CAIM nrt,jf M uiiit. Pa i ,r. exrjre to public alc on Uie premje la ltUc SA TV ED A r, r 10, 1891 At 1 oVinrk p. m. of ,1,T. the fnllowuir A :rnain pi or parcel of pround tiiiuie ia . . 7. r uI-i i.:iuiy. a . it.in- incirlcf JrrtmiAtt J. K..ik on tti. iKirtA, E1 wnl rv.T;AfT.,t1 ,ijeM,lfl ,wtiiic p1ob the west and V NVstnan i n t" en-t. r.:A!n Q oriiMiA.f acre, mororlt-. tunng tiiem a two fctory frame DirHLLISG HOUSE TERMS. On.Mhird nerpTmentof l-l and rrpecfea of .iniLt?.imnGn ptrvir.Atn a ut-u ui-jn ;b- pn-m-toiKTure the mt,rm t d.mer, nnhA;f of the purrhA imn.eT on r rTPiAlHn of nl.- and del.T err..i .nd and balance in !oe-n)i ni.al pav mHr.tolmm iy H:e : detArrwi nAnx-ni- to be e1irvd hv jlKiiraeTit bOurtsiU, rf. nntnt'iM lit tiM mil u( iW .un liA ujufT io he iid obdarof "'e JoKl. Yl lZY, . AdminiMrAiia-AndTrtaaee. SC'Xt A Cgle, Attorney. Executors Sale OF YalnaWe Real Estate. 1-HE ISVTK'ViSTD Kierotor. of the Urt 1 !U and ter.tneot of Sul-mr Hammer 1a of ;. iiut-r T..nbip. de-d.. will eipuM ! ) on ine pmitTi in Jenoer Township, by public uuyrr, ou S.4 rti9J ', JANUAIIY 31, "91, the f.d".nw:njt dewriVd tva! estAie, iaie the prop- Aernain frmor:ra-t of lan.1 containing acre, m-wv "r i-.AiHit !) a--Te eleAr. and the t.u'-e tJtatTed. LaviLg tbereuu entLed a Kod plAiik IwoKory DWELLING HOUSE, har.lc Ura.aihl o:hT ouThi!M!r.tf : fmtrtia ft fir-hani f cuoice frui'jo-a.r. plutu. p w and : The frm mown ine 'i-:fif,Hri:vr Una," i- -;;'it' elzitt mii- rvwjib JWia-Twii. oii ckkI rr-ifi lrimit to tint iwu. f.ih i not uf ihe nurirHji r it-ni to u,1 rhun i m ererr -ar m.Ki.l-.rxt;l-jr.;-T:y. It j el nntlerUid i;i irnoHri;, cti irni r id lunc-Hi. Tacit ie a lisirvoiw jUrry ojt-inri on it XKUMS Ma ic know a on dy of' ul. JiHN C HAVMKR. 1A VUM. HAMMt.K, IT. ilxtt-uiom. -RUSTEE'S SALE OF Valuable Real Estate ! rY" VTRTt 'E of an ortli-r of the Orphan' Court of .StmerwH t'our.iy. 1 wlu -U at pot lie aaie the real eauae of Andrew Hoover, dvc'a., on FR1DA Y, JASCARY 9, im, a: the o-e of Samnel ! Kenzie. Eni-, In the U'Wtl o( OATTt-U. At 1 O CluL'fc p. m.. couiiuf AM foiiuWB. No. 1. A farm or tract of land ritnate in Bro'.hcn Alice To"ai,iPL j.imerM-t CoiTnty. Pa.. contAinc 1 Aer. rcire or lew, of wcii-n'tA) acre Are t icAr.i. cren In meiow. wuh I) WELLISG HOUSE atI ha-n. and other ontb;:iM:ns thereon erected and nue fnut on-hani ou the 'ame. AiliiiiBe lands o:"J.(tn Lot:. Ai'xr.irr .neman. Mn J.hn J. Haukt. a-i't o'.r.t-r; b!flri-e well tim bered : i Dear u M-naol. church, Ajd K. K. a. iiairetl. -ALSO A T'aeilirr Hone and lot of yronnd !n the vil lage o farrelt. cnbL!nl:iir one-fourth of an ali4. tn.-reor le-v l .r. lot No. 147 ou ( berry street and Wblsertreet- Terms of Xo. i. f'ne-th:M in hanl April 1, .j'ai AHliUA iutAluaentfl. balance is four Terni;; of Xo. 2. fine half In hard Arril L 'SI. aad ba".nce in 1 Tear : iv per cent or ;he hand money 01 So. 1 to fie -ai i a- ki a pr.r,erty t'J k off: if) tole pa.-l f.n No. 2 a w..ti a sauie i? ftnick off. IV K rri'd latmeov lu be M an-! cn the premise. JL 1U VEii. d5T. TnMee. -J7XECTTOR S NOTICE, In the mailer of th estate of Marr Firertooe. late of I'pper Turkeyfoot Nwp.. Sitaerset .o- Pa. 1 lu-r teame:ttary on the ttaic l.aTinf been minted u tiie un.ter. arnel by the proper anthonrr. notice hereby Rj.en to ai: perwn iudeh e.i to tid estate to make immee.itte pay ment and tho havoc c'.aim amnst the MM w .ii present ir-em d i-y aithenti-aw.-d fv ettie neut on ai irlay the SNl day of january, ltd. At the iA'.e reai k ace of tAid deseA-e L JoHN FIRESTONE. Executor. Fred W. BieickeT. Attorney. A DMIXISTRATOR-S NOTICE A.-iAte of Henry A. Shaffer iAte of Lincoln town 0i sHn-r--t omty. Fa , deeeAd. Let'er of AdruiitnuratKai havinr liecn franted br the pr;HT aiith'nTy. to the nudersirned. on UieeMa: of Henry A. .-hafter, late of Linei.ln tor..hlri, j-onienwi crmnty. Pa.. deeeard. notice i hereby kitcu to all p rvorw lndebu-d tofcaid es tate lo make immediate :ynnt. and thoe hae ili ruim ata n-t id e-iaie will present thera diiy A'ltbemieiretl forsenWment and AtH.Ance at the late residence ftf the deceased on Saturday Jaiiuarr W. A. It. IM. KKEEVS J. H"FFMAX. MAKY X. S.HAFFEK. A lnviOtftrator. ADMINISTRATORS NOTICE. L-..:e of Llori I rirri,late of Jesner Twp, NmieTset i n, la-. dee'd. Letter, c' Adroinis ratio, on the il re estate havniK be-n granted to the undersigned by the proper amlK.riir, nmi-e i hen-by iriven to all perin in.lele-i to id estate b make i aimed!. ale paTmeiit, and iimm havinc cia. ra arainat the same will preseat thein duly authenticated lor parotei-t u the ander-iened. iur tm.w Ll ty m :Tl-rFT dce.1. Admioietratrix. ADMINISTRATOR S NOTICE. Iutne Btateof Ema'l Miller. late Cinnemaagb township. Snfnertet wi.iity, 1'A. Lettero A"imir.ratioooti tbeabcTeenate hav in been rrar led to toe anderiened by the proper a'lthoritT. a.ice ia hereby r Ten to all peraona indebievi P saud ewate to make tome-liate pay Dent and -.hooe barinf cIaibu Aaint the ant wiil prrKSi tbea duly Aainenuiwied 6 aeoie meut on or be lore Friday. Jan y a), ISA, at th Ute reence of the fas jrrr.LER, Fred. W. Eieecker, AOomey. A DMINISTRATOR'S NOTICE. In ih matter of the Estate of Georce (Gardner, dec d. late of ynemahor.irur Twp . S-tnerwet Letter of almintstrai:.m on the. abore eate havnic been cm tiled to the iiuderirne-.l t? the proper authority, notW ia hereby r"'Ten f all perxt indexed to said estA'.e lo make immeti Ale jiATmeiit, And thoe baritit elAima or de raAH'l Aw'nt the mni will preiii them duly anthenticaled ir e,ij-went on Kric.ay. Jaa'y th lrw. at theiate residervrrof aid dee d. JiiAH i. BlAiOiH. Admutralor. Fred. Bieseekcr, AUoraey. FACTS I That I all t fie followinrrooda at tb wry low pruoa Two Three Four yrr oM Pnr. Kye t-' r fallon. - - - 2 - S 4 SO Ten - " " Fifteen " - AH from the "1et known direilJer. California i r wr-old pore Vk mea. ail kim at fl.M nrr aalloa. Line Mma-i. !art. Kucirarian, Kherry am. ort ;n- direet irrrrauora. in a a. Pur. imoried Brandie . na at tl hwtst for. t ali or ud for T-ial prl e lit. r ail order. Promptly a' tended lu. KouachArje turpavrA lu( Aid bomr:g. A. ANDRSESSEN, . 72 Federal Street, AUegheny, Pa. THIS amd THAT. it TTCox'X&arw CURES LUMBAGO. Orleant Pt, Balta.,MdLFcb 2i, t iru confined to the home two w as w ith lumbafu.bot SC Jacob Oil enrod aw; no re turn. WB.A-OOCIZK, PACt. JOT. CURES BRUISES. renem-tile, Mo, Feb. T. lKtt. A. Jaooba OU la without peer for pcioa, bruises, achea, Ac." Rcr.T.G. Biwrci, Pastor BaptUt Chorcb, CURES SPRAINS. Cincinnati, Ohio. April 2. 1 Wo. I snffcred with spraicKj ankle which welled very roach. Found great relief tn of ot St. Jacob Oil and f welling duappeared. Mom fin us. ST. JACOBSIOIL The Great Rsmsdf Fcr Pais, crrrtES also RHEUMATISM, NEURALGIA, SCIATICA. FOR DYSPEPSIA, Ayer's Sarsaparilla Is an eSeetlve remedy, as numerous tenlimn. Eiiij coorlujutely roe. -For two years I was a constant auflerer front dyspepsia and lirer eomplxitiL I doctored a kxur time and th i ardirwi prescritied. in nearly every case only atrsraratrd the di.sea.se. An apotltrcxry advnrd ue lo use Ayefg Kirapanila. I did m, and a cured at a cost of (s. sine that time it has tn my buafly medicine, and sickne has tieconie a strartfrer to our household. I believe it to be the heat aaedirine on earth." r. F. MrXulty, UArkBwm, 3 Summer st, Lowell. Mass. FOR DEBILITY, Ayer's Sarsaparilla Is a certain cure, when the complaint origi hat.a in impoverished IdowL "1 was a preat sufterer Iran a low condition oj the 1'kwd and reoeral debility. Upcoming finally, o reduced Uua I was uniit for work. Solo ing that I did for the complaint helped aie o much as Aver Sarsaparilla. a few IkhtIcs of whH-h restored Die f health and srrenrth. 1 take ererr opportunity to recomraend tills medicine in similar cases." C. trick, 14 E. Hiiin iL, CkiUicoUie, Oiito. FOR ERUPTIC:3 nd ail disorders originating in impuniyof the blood, such as boils, carbuncles, pimples, blotches, salt-rheum, scald-bead, scrofulous sores, and the like, take only Ayer's Sarsaparilla ruETAEtD ar Da. J. C. ATXB CO.. Lowell, Xaaa Price 1; a:i boulea, i- Wor.h a bonw. -THE-FIRST NATIONAL BANK OF Somerset, -Penn'a. DEPOSITS nCCCIVCO IN LAMCC BDH ALL AMOUNTS. PAYA.LC ON OCMANO. ACCOUNTS HtBCMANTS, FARNCRS. STOCK DEALERS. AND OTHERS SOLICITED. DISCOUNTS DAILY. BOARD OF DIRECTORS: LaRr M. Hicxa. W. H. Millaa, James L. PrtH, Cbas. H. Fuhie, Joux R. Scott, Go. K. Sccix, Fbxd W. BmcrxsJL Edward Scni, : Valxstixk Hat, Andrew Parkes, : : : President Yhi President : : : Cashiek. The fun is and Becnritiea of this bank re Kex-ursly protect! in s celebrated Cor liss Burglar-proof rafe. The only Safe made absolutely Ban?lar-proof. Somsfssl Counlj National Bank Of Somerset, Pa. Dtabllssso, 1877. Orpautd at l Hiboaal, H90 CAPITAL, $50,000. tO. Chas. J. Harrison, Pres't Wm. B. Frease, Vice Pres't. Milton J. Pritts, Cashier. Directors: Wm. H. Koorrtx. Jonah SpechL Jolin H. Niyder. Joseph B. 1 sit la, Jerome MuA, Sara! Pnyder, J.inas M f'ook, John fkaffl. Hamxon oyder. lioaha. Milier, Wm. Eadaley. ltA7HlDcri M MAAS AJVkAl ak W1A1 IO' "v II be nu treaunut corttuteat with bnkiog. Parties wi-hlnr lo amd momr W cn be arcumiiduI by drmU for -Uij amoazit- r .J InAWl. -iriSafl hfW nOM ttf TMfrV hold's Uetebratsd afes, with most approred Haw locU Collection made In aU paru of the raited itauss. Charre. moderate. Aooomua and bepoaita iwUctea. n arVCa STILL. IN BUSINESS I tflsy's Photocraph Gall.r . ilj patrona are inforarad thai I am atUl In the 3TJ333THSS, And am at all timet prepared to take all kinds of picture, from a TlB-type or Cabiaet PkUrrapH, To a Life-irise Craron. Instantaneota Pro em used, and all work ima ran teed to be aaur factory. r-GaUery up atain, next to Voogbt i grore. WM. H. W EL? LEY. s TOCK.nOLDERS' MEETING. The aannal neetiar of the Rtoek holders of the Firt NatioBAl Bask of SusnerM. for tee election of lurertiin tar toe year A. I ll. will be held in the bankmr rooms is the FirM Xatiooal Bank Bulidinc. fVnuerset. Pa., on TueadAy. Janoary IA, ltd, bvtweea lb. hour of oat and tare. . ciock p:ii AXDREW PAEKER. Somerset SOMERSET, PA., WEDNESDAY, 34TH ANNUAL SESSION OF THE TEACHERS' INSTITUTE. TIES DAT KOBXlSli SESAilOJf. Diacoseion " la the copy book a ne cessity, a convenience, or a naaaDcw Opened by David Bercey, followed by 8. R. Sanner and J. S. Fnlton. Crpinion waa diidef. Music, conducted by Prof. Smith. After the music Prof, rsinith gave a lec tore of a few minutes on what be called " vowel cultare." To avoid hoarseness a speaker most bring hit tones well forward in the month as no one can epeak long without hoare nessifbe forms hia tones back in the moutb. Topical Ulk, II. F. Yost : " Order in the schoolroom." " overnment is necessary lecaii.e vr der is necesoary ; teat-hers of a former day appealed to the nerves through the mediam of the rod ; teachers of the pres ent day appeal to the conscience through the median of the mind. The first re quisite is to give pa pi Is something to do ; then, after you have given them some thing to do, keep them at it ; the second factor is, recreation ; children cannot work all the time ; few children care to produce disorder; they like order, and respect the person that can maintain it ; the teacher needs strong will power ; persons of strong will control those of weak wills; good teaching is another requisite ; secure the confidence of yocr pupils in your own ability ; when pupils lark this confidence good order can't be maintained ; many teachers talk of good and bad conditions ; the basinets of the teacher of to-day is to make good condi tions." Queries Tbe query managers reported that they bad no queries. Discussion, " Element of a Teacher's Saccess," was to have been opened by Prof. LeRoy McClintock, who tendered an apology on the ground of hoarseness, and the subject w as deferred until Wed nesday morning. Music" Some Folks." The Professor remarked that the piece was w ritten by Stephen C. Foster, who was born in I'ittslcrg in 32J end died in l.Si'4. Devotional exercises, conducted by Kev.Zinn. Music by the Institute, after which the Connty Superintendent introduced Prof. Z. X. Snyder, af Indiana State "ormal School. He said he was glad to be bf re, Le cauise, among other reasons he saw a number of persons whom be bad taught. After inviting teacher to present ques tions for answerand saying that he would try and answer them, be said that he sometimes illustrated his talks by the use of an equation x y z equals (?) ia which x equals the teacher, y equals the child, and a equals nature : the. teacher is a governing power in the country ; our schools contain to-day the future all of our country ; the teacher gives direction to the various units. Healtk is the prerequisite of the teach er; a sour disposition will soon pickle a w hole school ; to attain health we must live correctly ; every teacher should Lave fat least eight hour's solid sleep before he enters on the day's work ; in a first-class baseball club or football club, a boy that cbews tobacco will not be accepted ; John Ls Sullivan was not permitted to use tobacco in his training ; yon can teach a boy through bringing these things to bis notice. Cleanliness ia another element of fnc cess ; ' dirt, says lord Palmerston, ' ia matter out of rlace: when an untidy person presents himself nowadays forany appointive place he is ienored, no matter what his apparent intellectuality ; good writing is an essential ; children copy the writing of the teacher ; drawing is another essential the power to make things; it ias law in psychology that we learn through our attention to the oc cupation of their hands. The speaker exhibited several articles constructed by students at the school. Among these were a pair of blackboard compasses and a mortised joint in wood ; also, a doveLiiled joint, in metaL) Oood sense is another requisite ; the nan who succeeds everywhere, in every business or profession, is the man that has common sense. Common sense is merely the knowledge of common things and scholarship is next ; nothing can take the place of scholarship. A teacher must know himself well ; cultivate a sweet disposition ; know yourself; be yourself ; Esthetics must be taught ; you want to see something deeper than color, form or sound you want to see a iJevwl oped soul- if yon want to secure the best results you must know the child's home; lift up the children who have had no chance ; a teicher should be a think er; be mu3t have a knowledge of the subjects ; every lesson must be prepared ; the primary teaching is the hardest, be cause little children have so much to dis tract their attention. Music, by Prof. Smith and Institute. " Talk oa drawing, by Frof. Little. . .' Music. Address by State Superintended Wal ler. Music. Adjournment. AFTEAJWO SE8M0W. Music by the Institute, conducted by Prof. Smith. County Sopt. Berkey announced an enrollment of 220 teachers oat of a pos sible 271. ;:: : Instruction by Dr. J. D. Waller, the Stale Superintendent. . Teachers' work is of the highest im portance, even from the philanthropic standpoint. It assumes a grave aspect when great political questions are to be decided by the people's vote ; intelli gence is almost a Mine qua turn. Bat grave political questions are not is all countries settled by the Tote of the people. The Prussian government is an example. Jo country to-day in Europe is making a mere strenuous effort for the education of her people than is France. As early as 17S5 Congress in this country made an appropriation for the schools The effort, ia this country are not so noticeable in the country districts, isolated as tbey are, but only when yon reach great centres of poonlatk n, like New York and Boetns. Henry Ward Beecher says I the schools are the stomach of the body politic If one were to nmlertake to engraft npon his person the meat be ate for his dinner it would result in irriutioa'aati ferer, EST A BT,TS H h. 1 ) 18527. perhaps in mortification and death. The meat most go into the stomach. So the children of foreign parentAge, with all their prejod ices and igrioraoc, must go into the schools. In the lower rooms of the achoo's of the great cities a vast dif ference is observable between the foreign and the native born children ; but when they reach the higher rooms and the graduating classes, the difference has al most ceased. According to the report of the Civil Service in 1887, Massachusetts waa high est in the number of persons passing the examinations, while in lSjsft-9 Pennsyl vania was the highest. There is a great diversity between the system of education in Pennsylvania and Sew York. New York's system is based on the principle of centralization that of Pennsyivanii is just the re verse. In Kew York there are few per sons controlling the machine in Penn sylvania there are many. In New York ail questions emanate from the Central Board, and are uniform for the entire State. You know it is very different in Pennsylvania. In New York there is a board of men whose business it is to hold the county Institutes. They notify the Superintendent ; he geta ready, engages hall, etc, and the Board alternate with one another in giving iostructi jna. You all k?ow how this is man aged. In the founding of our system there was adopted the principle of a minimum of centralizstion and a maxi mum of local control. . The system of education as we have it is in harmony with the genius cf Ameri can institutions. Its founders endeavored to find out what was best adapted to Pennsylvania. The Constitution of 1S74 provided that there should be maintain ed a body of public schools. TLe State appropriation is now two millions of dol lars, as against one million in 1S74. It was not the object of this increase to diminish taxation, but to benefit the schools. If any districts have used te State appropriation to diminish taxation they have misunderstood the intent of those who made the grant. A short school term is expensive. To comiuct the schools economically we must length en the term. We want to see the day when the poorest school shall be better than the best is to-djy ; when the child that bag the poorest advantages wiil have greater advantages than the one that has the greatest advantage to-day. A dictionary is a standard of pronunci ation, accent, etc, just as a yard is a standard of length, and a gallon of liquid measure. Let everyjarhool have a dic tionary. An essential is that the best teachers be found and kept The only question a Director should ask himself is. Who is the best teacher for that school ? Visita tion is an effective method of determin ing the qoalitications of a teacher. themselves into committees, whose duty it is to visit the schools at certain given times and make repot t. Hovr are we to keep the good teachers? There is an old recipe fr stewed rab bits which says, firsi catch your rabbit, bleed him, skin him, i&c, but it doesn't do to apply the last directions to teachers if we want to keep them. A born teacher wiil teach for less mon ey than he'll do anything'else. Has Som erset county done all it would and could do in the way of salaries? In Som erset county's average rate of taxation was 5.57 mills, but that of the State was 5.SS mills, so that Somerset is below the State average. In some of the counties of the State the rate of taxation is more than 10 mills. Teachers should receive sufficient sala ry to compensate them, and they must recive so much either by taxation or by a direct appropriation ; that is by taking the money from the treasury. Pupils properly taught in the schools wiil be patriots, and should there be a call to arms the youth of this day inconse quence of their teaching in the schools wiil respond to thecal! with 'the same promptita-k as did the "Boys of '61." County Superintendent, announced that'tbis would be the last Ulk of the ae&aon by the State Superintendent, he having engagements elsewhere, and be ing compelled to leave on the train. Music by Prof. Smith and Institute. Drawing by Prof. Little. He commenced by saying that the best eraser is that known as the Cimoi ; and gave as a reason that the felt ends are open permitting the chalk dust to fall out and into the trough. Drawing can be made much more val uable by the general teacher than by the special teacher. In drawing strive first for accuracy, and then for rapidity. Do your work as rapidly as possible. Don't stand too close to the board. . (Most of the speaker's talk was devoted to explanation of his drawings, done in free band on the board, and their repro duction here is for obvious reason im possible.) ISTEKMISSIOS. Music by Prsf. Smith and the Institute. Mathematical Geography,' instruction in by Prof. J. D. Meese of Meyerlale Preparatory school. Mathematical Ge ography is really inexhaustible, in 15 minutes one can do nothing, really, in 15 years one can but scale the subject The earth moves faster in certain parts of its orbit than in other parts, as a result of Kepler's 3rd law, that the earth moves over equal areas in equal times. The path described in a revolution of any body about another is the former's orbit The Ecliptic is the apparent path of the snn around the earth. The Equinoxes are points in the earth's orbit at which Ahe days and nights are equal. Instructions by Prof. Z. X. Snyder, of Indiana, I see activity when I examine the heavenly bodies. Activity in the air, in frost, in the snow ; activity everywhere, activity characterizes nature. I have a walnut, I lay it here, it would remain there forever if untouched. What's to tooch it ? Heat, moisture, vbey touch it from without and the result is the wal nut tree. The soul of a little child would re nain forever a blank if nntourheJ, j'tt as the walnut wou.J lie still forever if untouched. But thd soul is touched by various things by the objects of earth and the objects of heaven, all touch it, it expands, it grows. Teaching is causing a haman being to act. ia the widest sense, intellect em braces three things ; thinking, knowing, JANUARY 7, 1891. expressing. All rirofevsions depend npon thought When yon get a child to tu'nt, yon're on the war. When yoa get it to fcjotr, you're farther on the way. When yoa get it to trtm, you've done what you wish. Thinking is teeing rtittiotu, (illustrated by a bottle-fountain, and by a pair of stuffed birds.) The more modestly colored bird is the female, the gaudy is the male. The modest colors of the female are the effort of nature to protect the female and her egs. The brighter colors of the male are for a similar purpose, by diverting the hawk from the nest as the bird dives from the top of the tree. Three things can be done with numbers to wit: Combination, Separation, Comparison, and only three. The soil in the valley was once on the hill. It was rock. Disintegration set in by action of rain and frost, and the disin tegrated rock came down and vegetable matter was mixed therewith and to-day it is the most productive soil of the com try. Historic thinking is seeing historic re lationo. fine must see the relations be tween the facts of history or he has not studied history to tooJ purpose. The teacher that teaches objectively must be cartful not to stay with objects too long. Announcements. Directors' convention in the Lutheran church, at 9:30 a. uu Teacher's Sea-ion at Si.10 a. m. Music. Adjourned. TVKSDAV ETKSnVG SESSION'. Music Solo, by Miss Fee " Night Birds Coo ing, fcneore responded to in a duet by Miss Fee and Prof. Smith, the musical director of the Institute. Superintendent Berkey then introduc ed the Lectarer of the evening, Dr. Hen- son, who delivered his lecture entitled Fools." He said : It is with great pleasure that I respond to any summons from Pennsylvania. Twenty-two of my happiest years were spent in this State. I never lived in this part of the Stat, but I'm sorry I didn't I know no place in which a lectarer is so sure cf its hearty and appreciative an audience as he is in Somerset I've lectured in places where I felt as though I were attending my own funeral, and I was chief mourner as well as ca daver. I lectured in a town where tbey sat perfectly quiet glowered at me, and I cowered before them. Xobody laugh ed, and nobody cried bat me, and I did that in private. Afterwards I met a friend who told me he knew the town, and now, six months after, they're laugh ing at those jokes. "Well," said I, The next time I'll send on the jokes several months ahead, and I want to get there It's si aiet sncVBtar.i , X want to see them blown up." I've been sorry that I made this lecture. I sat in my numerous family one evening and remarked that I was afraid that I would hereafter be chiefly remembered as the author of fools. Oae of my boys remarked, "Pa, that's hard on ns.' I didn't prepare this lecture for you, but for my own people in Chicago. Neither did I choose the subject for this night It was choaen by one who, I pre sume, understands toe neeus ot trie people. Webster says there are natural fools those who are born so ; and accidental fools those who are weak-minded as a result of some external injury. This lecture doesn't apply to them. God for bid that I should ever make sport of stich. He most be a miserable, imbro tea wretch that could do so. One passage of Scripture reads, "An swer not a fool according to hia folly," etc, and another reads, "Answer a fool according to his folly, lest he be wise in his ow n conceit," and it is to the latter of these that I apply this lecture. No graver insult can be given a man than to call him a fool. Witchcraft has carried awav hundreds of thousands of victims. We think we've got over it, bat only lately in New York I was told there were not lees than three witches and one full-blown wizard. The"MLseiaeippi Bubble" was another piece of fswlery. It was originated by one George Law. Values went np to fictitious rates; the bubble burst, and Law escaped by the skin of his teeth. TLe "Sooth Sea Scheme" wa? another shortly following. Then again came the "Tulip" craz, orig inating in damp, fotrzy Halland, among a set of gtn-drinkini;, pipe-smoking Dutchmen. The craze ceased, and thou sands were rained, w ith nothing to show save a few bassets of flower roots, that nobody would boy and none could eat The oil on the brain craze is more re cent ; so recent that yoa all remember it and know all about it Among the superstitious follies we may reckon the so-called Mormon religion ; founded on a few old brass plates, said to have been dag oat of an Indian mound. Modern spiritualism is another of the superstitions humbugs of the day. I sincerely trust that when I am desd I shall not be called back to do the bidding of any woman on the face of the earth ; and I hereby g:ve notice that I won't come. But, to particularizo, there is the rich fool. A man is not a fjol to be rich, but be is a fool if he isn't rich. Same men turn everything they tiuch into gold ; others tarn everything they touch into ashes- The miser I've known a man very rich for a raiser. I hope I'll be forgiv en for even knowing such a man. A man once said to him, "Mr. Toner, how did yon make yonr ssoney ?" "I didn't make it ; 1 saref it" Miser, means mis erable. The miser locks his money from himself as from a thief. He lives miser able and dies wretched. Many people indulge in fine things that they say about people that are dead. A I hitch man at a funeral, in loss of any thing else to say, said, after Looking into the grave, "Veil ! be vas a good schmok er, anyhow." Then again, there is the man who is by the force of circumstances made rich ; driven among the aristocracy withoat knowing how to act. Shakespeare, in his "Taming of the Shrew," introduces a drunken trcker, named .Christopher Sly. I've seen something like it the man who through shoddy or oil has risen. He dresses weiL eats well, lives well. His library is bought by the yard ; his wife is tricked oat in finery, and he wonders whether he is a gentleman. I ran say, no. Gentlemen are not made of such stuff. Then again, there is the fool whose father has made the money the young fool, has inherited. Then there is the fashionable fool the begloved. perfumed fool, who parts his hair in the middle a man that would be a woman if be could a da le. Fools of this sort, I'm afraid, are on the increase in Republican Amer ica. Another fooL very common in Chicago I hope scarce in Somerset is the urnnken fooL A judge making a tem perance speech, said that no man can drink for thirty years without being a dead man, or a drunkard or quitting the habit. A red-faced man aruee and said, "I deny it" The judge then told a story of a negro w ho dropped corn-bread soaked in whisky into the water to catch fishes. One refused to be caught, al though he ate the crumbs. Calling an other negro, be afckexl why he could cot catch that fish. "Why," was the reply, "a mullet-head has got no brains; yoa can't make him drunk." Our friend on the other side may be of the mallet-bead species. The man that tikes that into his mouth that steals away hia brains is s fool, will live s fool and die a fool and be a foci forever. Young man, for your own sake, for your mother's sake, and for (rod's sake, don't be a fool. Again, there is the learned fool. I have heard of a German who spent Lis V whole life preparing two quarto volumes on "The Wings of a Butteriy." Another, on Greek accents. But he found one accent he couid not account for. When he bad s;nt months on it he went to a friend, who took the book, peered at the accent, and said, "thaf a fly speck." Think of a man spending his life on fiy specks! Then there are absent-minded fools. One of these in Chicago thought he had forgotten his watch pulled it out to see whether he'd have time to go back for it, and calui'y concluded he wouldn't have time. Men think a thing is deep when they can't see the bottom of it ; bat I've seen a mad puddle not an inch deep that yoa eouli'n t see to the bottom of, because it j was a mud puddle. And then again, I've ! seen a mountain stream that an elephant could swim iu, and you coald count every pebble in it, it was so clear. Then there ia the frivolous fool ; the gijfgler, continually giggling and titter ing. There is a time for everything ; a time to laugh and a time te weep. The first miracle Jesus of Nazareth perform ed was at a wedding. Then there's the solemn fooL I don't mean true solemnity, bat its mimic that is called dignity. That nearly killed me once. I was brought up in the country most everybody that's good for any thing is. If it were not for the good ra U.UO- o IMua... uoors iwte. the city, the city would rot The solemnest bird is the owl ; he has a great head, mostly feathers. The solemnest beast isn't a horse but he has a great heal on him, mostly ears ; and the solemnest man has a great bead on him, with ears on it like the beast, but mostly tucked inwards to fill np the vacuum. One other fool U the only one I have room for. It is the man who in this world of ours, this beautiful world, says there U no God. Lit us hear the conclu sion of the whole matter. Fear God and keep his coaimanlments ; for this is the whole duty of man. For God shall bring every work into judgement, with every secret thing, whether it be good, or whether it ba eviL And they that be wisa soail shine as the brightness of the firmament ; and they that torn many to righteousness, as the stars for ever and ever. WEDSESPAT MORNISr, F-!OS. . Music by the Institute, conducted by Prof. S. G. Smith. Discussion, " A graded course of study for country schools," to be opened by J. F. Baker, who was not present, and the question was deferred for the prese"t and the question, "Is district supervision desirable?" opened by W. H. Spangler. He thinks that such supervision is desir able ; if county supervision is desirable, then district supervision is desirable. No one responded . Paper by Miss Ella Vogel "Teaching Language." Pupils have been required to write compositions, bat they have written them without adequate instruc tion or preparation ; Language lessons should precede the study of Grammar proper ; language lessons should occupy the first five years of the child's school life ; pictures and drawings are very im portant, and are rrceesoriee, but too great a degree of com plicity should be avoid ed ; the primary object of teaching is to afford culture. Topical talk, by Prof. Johnson, of the Berlin schools History : An old subject older than any other subject ; of para mount importance in the schools ; histo ry began with the first person of the hu man race ; teach children ancient histo ry ; to begin a child in the history of the Caited States is like studying the geog raphy of the British Islands and resting wntent, thinking we are geographers. How to teach the child American history first, by the study of men ; great men never die ; study history by studying the lives of great men ; Xerxes and Cyrus cover a large pArt of ancient history ; Ly tmrgns, Solon, and sorns few others cover the most of Grecian history ; C-esar, Poropey, and a few more, with Hanni bal, cover the bulk of Roman history ; Philip IL the pillar of Roman Catholi cism, covers the history of the world for his time. Second, the study of principles under lying the lives of the men whose history yoa study. Logical History To enable the child to see the connection the logical connec tion of events. Oae thing throughout the world de pends upon another thing ; our govern ment depends upon oppression of their subjects by other nations. Don't teach imply words dry, parched, meaningless words ; teach the little details ; the his tory of George Washington would lack something without the little hatchet The history of him is the history of some thirty or forty great men Columbcw, Washington, Jefferson, Webster and Clay and Lincoln and Grant ; when you have seen the relations of these men to their times and to their country, your knowl- raid WHOLE NO. 2059. dire of the history of our country will be sbont complete. Masic,TheGld Slonntain Home." C. J. I'ottn. County Superintendent of Eedfosd County, said : If test hers got nothing more than the svmpAihr, the handshakes, the feeling of kinship to carry back to their schools. this alone would be worth the money paid for Initiate. The Stat Teachers' Association meets at Bedford Springs next year ; we want to see Someret county there ; we hope to see yoa there to help us ; we have teach ers getting fU a month that are worth $), an-1 we have teachers jrrtting 170 a month t'nat are not worth 70 cents. Get the most oat of life that you can ; don't spend your time ia moorntng over responsibilities, but reaieroser that to day is the time in which yon most act ; don't get beyond the depth of your pu piis ; don't try to teach them what they are too young to understand. Music " Nearer my God to Thee," Drvot:onaI Exercises Rev. G ruber, of Berlin. Muf-ic Cotinty Superintendent announced 23-! present being Z teachers short of the whole n-imber 271. Dr. Srydtr continued his talks. He said : There are three decrees in thinking a child thinks in the first degree ; an adult tfi tiks in the first degree when he attempt to grasp a morsel of knowledge for the first time ; it is sometimes called, confused thinking: the first step in think ing is directed to wholes, as waen a child says it is a bitt', aa apple, etc. The second step is thinking in parts ; the first step is .sympathetic, the second step is analytic Bear in mind the firt step in thinking is thinking in wholes; on this is built ail the modern methods of teaching, lvo aencrantz's Ueunitioa of cleanliness Cleanliness will cot ensure that things should linse their proper individuality through the elemental chaos. D'um moud sys, law in the visitla is the in visible ia tne divisible. The child pass es from the whole to the parts ; by and by the child will say, the apple is a 'rait. This is thinking in cliss '.here you have it all : First, thinking in wholes ; eexocd, in parts ; third, in classes ; prop- erty is objectified vtiil ; these long defi nitions must be thought over, digested, ju-1 as food mast be digested ; the test of know lex 'ge is, can, the child give sack to you whiit it has received from you in such manner that the thought has Isst its identity ? Get the chil l's mind di vorced from objects as sxn as you can ; take tkvj number six the child may know six as a whole, but it must learn the parts 5 and 1 are ', 4 aud 2 are , 3 times 2 are 'i, 0 times 1 are 6, etc Whenever a child can't help bat think the pro'ier result, he understands it ; the thought has been sank in thm automatic ; Aotiow w- ' ' - J -AviM suou.a Kaow ail tne comoinations 1 mean by that all the tables. He should also know the elements of common fractions, but teachers must be careful on the subject of fractions, and children should, or rather may, be taken as far as twelfths. Don't stay too long in illustrative work. I wou'.l do this work during the first four yeirs, becanse in thus State, 92 per cent of the pupils never get oeyond the fifth year ; they can have decimal frac tions, also, and the subject is easy, be cause you have familiarised them with common fractions ; they can also have a course ia percentage ; this is also easy, becaai they have common fractions and all perntages are reducible to common fractioTS. Boys nine and a half years old, on as average, in the schools of Reading, were j given the same questions that were after- j w ir'ls given the teachers, and the chil dren made 70 per cent, while the teach ers m.iJe but .j.' per cent both on the average. This was because the children had been specially trained oa such solu tion and the teachers had not; the teachers had lively been spending their time over model solutions, and I may say that a model solution is the most detrimen tal thing ever put into a text-book ; then I would give them some knowledaT of in terest, and it is eAy, because it is ja-4 the same as asking hiaa the price of so many dollars at so much per dollar ; he can make a similar calculation regarding pounds of suirar or yards of calico ; then I'd give them some knowledge of mensur ation by drawings, figures, etc. You mui-tgct children to think in the abstnutt, but don't foiget that yoa can't get them to think in the ai-stract until yoa have got them to think in the con crete. Courses of study are made, and they are generally made wrong ; there should be a cxirse for the first four years ; the times demand it ; yoa can't force the times to your schedule, but you can and mtst bend your schedule to the demands of the times. Music by Prof. Smith and the Institute. Instrjction iu drawing by Prof. Little. (This taia; was principally confined to the figures drawn by the instructor, and cann-it be reproduced here. : Mcsic, by Prof. Saiilh and the Institute. Ta.k by Prof. T. B.Noss, of the Califor nia, l'a. St&te Normal School. AdjOiirotfd, WKPSESUAT AFiK3!CO.-N SESSio. Mcsic by Prof. Smith and the Institute. Dr. Z. X. Snyder continued his instruc tion. This was, perhaps, the most interest ing of the Doctor's talks though all were interesting, and yet owing to the perfect jaat in the hall it was entirely im peristole to makeany report of the talk in detail. The teachers of Somerset county tii it have had the privilege of listening to Dr. Snyder, have had the oppcrtunity of carrying away with them many suggestions oa the true methods of their art that judiciously applied mast necessarily make them better teachers, n 1 must make them in consequence able to send out better scholars from under their tuition. I say ja Jkioosly ap plied for what was true more than nine teen c?nturies agi is equally true to-day. Ia toe days of the civil wars in Rome soma Hunan military men were talking of the riccess of Julius Caesar, some at tributing it to one thing, some to another, but one said, "Caesar's plan of battle answers for Caesar, but no man can copy it No mia can copy Caesar. T ie same ie true to-day, with teachers it is more especially true. The plans and methods of one man answer for him and for hirn alone. No man can copy Ih plans and methods of another and meet with socress in following tke. copied plans and methods. Every teach er must adopt the methods that are pre sented to him, mast study his adaptation until b bas menially assimilated it, and made it his own; bat when he has dons so, the plan or method ceases to be an adaptatation, and becon-.es and i3 his own plan, his own method. Not all teachers that attend Tea.-l.ers' Instities do so assimilate th plans aal metSoOs cf others la;d before thm in the inatrict ion received, very few indeed are the ones that do so, the mass become mere ile copy ista of the work as laid befo-e them, unchanged, indigested, anassimi lated. Unto such as do assimilate sad make their own the pians and methods giveaTeachenr' Institutes "are a savor cf life onto life" professionally, and they gt oa conquering and to conquer, but onto those that do not. Teachers' Institutes ate and can only be a "savor of death unto death," professional ;y, as d sooner or later soch drop out of Hi. ranks "and the places that knew them once, kaow thetu aw more forever," as teachers. But it ia not meant that all men that leave the pnfewioti do so for this cause. The causes are numerous, but it is not necesaanr to discuss them. One only need be men tioned and that is increased income. Wages are too low. Men cannot be ex pected to work ia the schoolroom effect ually, to spend their best years in the schools, for the mere pittance tha' they generally receive. Music by Prot Smith and the Institute. Prof. Little continued his instructions on the subject of Drawing. The talks were Terr w!l receiv ed by the teachers present and have been exceedingly interesting. Bat the instruc tion given, t'arousrhoiit, by Prof. Little has been so connected with the drawings on the black-board, that it is entirely, impossible to report it, so as to render any satisfaction. Music by Prof. Smith and the Institute. Intermission. Music by Prof. Stnith and the Iu.titut. Taik by Prof. T. B. N s. Prf. Noes his m often appeared be fore the Teachers' Institute of Somerset county, and is so well known to them all. that it is needless to sar tha he received a hearty welcome. Music by Prof. Smith and the Institute, This was Directors' Day and the court house was jammed : ail available room for either sitting or standing being taten remarks by many persons, and the announcements by the County Super intemlant and Music by Prof. Smith the Institute w Adjourned. WEOSafeDAY EVENiN.. SKssloN. Solo by Miss Fee "A bunch of wild roses, "Encore, responded tx U lArtVtte-bv membera of thu Ind:tnu I Piano by Prof. Smith, Musical IHrector. Encore. The County Superintendent then in troduced toe lecturer of the evening. Rev. J.M-Buckley, of New York, in his lecture, entitled, "Dollars and Cent." A highly respectable city missionary was obliged to leg his bread from door to door, and being asked why one who had spent his life in doing good should be so reduced replied that be supposed it was because he had preached so long without notes. The Old Testament says that nnnev answers all things, and the New says the j love of money is aroot of all evil. I'm not going to pre, a sermon : I was cured of substituting a sermon for a lec ture in Steubenville. Ohio. I've never before spoken in a hall so long as this in proportion t.. its width ; ira anit new vr.s.M. u , . SS-S. fJUUH SUUI . Ol UK; . 1 r'- tureis entitled 'pilars and Cents." I've seen it advertised "Dollars and Sense." I delivered this lecture once in England and advertised it as pounds, shillings and pence. The best definition of money was made in this country. Varioos substances hare been made use of to circulate as money. Gold, Silver, Platinum, Copper. Iron, Leather aud Tobacco. Lycorgns of Greece madehismoneyof iron. an lof leather. So long as the Spartans retained the use of this money they were invincible, but when he had passed away arI other substances were used they speedily be came enervated and subjected to other powers. The human hand is a soft thin. but it can wear away a hard thin;; so can the human foc'L Who invented r.vns is not known. There are no pure gold and silver coins, because they would be too soft and would soon wear awav. The only country that ever issued coins of pure metal was Tuscany and they joon became so worn that the Tuscans dis continued the use of pure metal for coin age. The rirg on coin was invented for the purpose of preventing the clipping of it. A million of dollar would weigh Okl pounds. Men can carry bnt little money in gold, and lew in silver. Bank ing originated in necessity. The necesi tr for a place of deposit, t Henry Ward Beecher once said, however vat the im- portance of anything may be tbe rais in? or lowering of a window is of vastly more importance.) Money ehaniring is another phaseoftheca.se. I've ?wen in a country where a money changer was obliged to have the money of twenty countries oa his table for the purpose of mazing change. The most wonderful thing I've ever seen was a letter of credit I once carried, and I've been on the highest mountains of the world except tkose of India, an I I've seen all the great cities of the world. On the letter of credit were the names of bankers in every city in the world. Commerce is the daughter of religion Christianity follows Commerce. During the war how was money rais ed ? The tOTernment had the pewer to make its notes s legal tender, and they did so. and there was relief. I once bought K10 of Confederate rnonty for VI cent. Beautiful menev, bit tbev were worthless. A man once carried in gold, and wanted to charge it for Green backs with Jzy Cooke, and when Cocke asked him what denomination he want ed, he replied he would take P-ap-tist, anil the heft of it in old sch-wjl Pres byterian. Bears on Wall street are so called he cause of the habit the bear Las of pulling things down scratching them down. Bulls on acconnt of their way of fight ing patting their heads 9 na and i 1 denly toswing everything into the air. I went down on Wall street the other day with a Christian Banker and Broker, there are such ; we are trrtstevs of the same benevolent instigation. Unasked whether I was nt afraid to go into Wall street, I replied n', and toM hiai that I had once put some mon-y in to Wall street and got oatrs much as I evpe-te.L What did you put it intosaid be. Ia the Seamen's Saving' Lank, said I ; oh, yos, said be. The Seamen's Savings Bank is ol Wall stret There Isn't a Bank in the Tnited States that can pay the amount of its indebtedness tomor row, nor a great mercantile bouso that woaldnt break op if suddenly called on to pay its obligations. In the Bible, usury and simple interest are the same thing. The laws of ths CortsArW 0SJ tr?fll pitt. J I 6
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