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PROCEEDINGS OF THE FORTY-FIFTH
ANNUAL CONVENTION
OF THE
AMERICAN BANKERS
ASSOCIATION
AND
Annuax Proceedings op the Trust Company Section,
Savings Banr Section, Clearing House Section,
National Bank Section, State Bank Sec-
tion, AND Summary op Proceedings
OF American Institute op
Banking and State Sec-
retaries Sections
BELD AT ST. LOUIS, MISSOURI
SEPTEMBER 2g to OCTOBER 2, 1919
NEW YORK
PUBLISHED BY THE ASSOCIATION
1919
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A.
•rvMUOP HALLmaaoK OMwrwio oohpmiv* ncw vwir
^
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DISCLAIMER
At a regularly appointed meeting of the Executive Coimcil of the
Association, held at the Windsor Hotel, Saratoga Springs, on Septem-
ber 2, 1890, the following resolution was adopted:
"Resolved, That the General Secretary he directed to insert this reso-
lution as a preface in the annual printed proceedings, disclaiming the
responsibility of the Association for the opinions expressed in any of
the addresses or papers printed, unless such opinions have been m-
dorsed by special action of the Council and Convention"
EXTRACT FROM THE CONSTITUTION
RESOLUTIONS
abticia vn
Resolutions or subject matter to be presented for the consideration
and action of the general convention, other than such as may involve
points of order, or procedure, or privilege, or matters of oourteQr, shall
be filed with the General Secretaiy at least fifteen days before the ses-
sions of the general convention, and shall be submitted by the General
Secretary to the Executive Council at a meeting of the Council held
preceding such convention, for the approval or disapproval of the
Executive Council, and shall be reported by the Executive Coimcil to
the general convention with such approvid or disapproval under the
appropriate order of business, for the consideration and action of the
general convention, but any delegate desiring to submit any such reso-
lution or subject matter in any session of the general convention may
preBent such resolution or subject matter under the appropriate order,
and the same shall be read for the information of the convention, where-
upon the presiding officer shall, without debate, submit the following
question to the convention: "Shall the resolution (or the subject matter
proposed, as the case may be) be considered by the convention?" If the
question shall be determined affirmatively by a vote of a majority of
the members present in convention and voting, the resolution or subject
matter shall be in regular order and shall be considered and acted upon
accordingly. Provided, that this Section shall not apply to any pro-
posed amendment of the Constitution, or By-Laws.
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OFFICERS
AMERICAN BANKERS ASSOCIATION
1919-1920
Organized July 20, 21, 22, 1875.
Pbsbiddnt:
RICHARD S. HAWES,
Vice-President First National Bank in St. Louis, St. Louis, Mo.
First Vicb-Prbsidbnt:
JOHN S. DRUM,
President Savings Union Bank & Trust Co., San Francisco, California.
Second Vicb-Prbsidbnt:
THOMAS B. McADAMS,
Vice-President Merchants National Bank, Richmond, Va.
General Secretary:
FRED. E. FARNSWORTH,
Five Nassau Street, New York City.
Treasurer:
HARRY M. RUBEY,
President Rubey National Bank, Golden, Colo.
General Counsel:
THOMAS B. PATON,
Five Nassau Street, New York City.
Assistant Secretary and Assistant Trbasureb:
WILLIAM G. FTTZWILSON,
Five Nassau Street, New York City.
Manager Protbctivb Department:
L. W. GAMMON,
Five Nassau Street, New York City.
Editor of the Journal:
GEORGE LEWIS,
Five Nassau Street, New York City.
Librarian:
GEORGE E. ALLEN,
Five Nassau Street, New York City.
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EXECUTIVE COUNCIL
MEMBERS EX^FFICIO
RicHABD S. Hawks, Vice-President First National Bank in St. Louis,
St. Louis, Mo.
John S. Drum, President Savings Union Bank ft Trust Co., San Fnor
Cisco, Cal.
Thomas B. McAbamb, Vice-President Merchants National Bank, Rich*
mond, Va.
PlRiB W. GoBBBL^ President Commercial National Bank, Kansas City,
Kan.
Charlis a. Hinsch, President Fifth-Third National Bank, Cincinnati,
Ohio.
RoBEBT F. Maodox, President Atlanta National Bank, Atlanta, Ga.
MEMBERS FOR ONE YEAR
J. M. HcNDEBSON, Jb., President Sacramento Bank, Sacramento, Cal.
C. J. Bbll, President American Security & Trust Company, Washing-
ton, D. C.
John T. DraMims, President First National Bank, St. Augustine, Fla.
M. A. Tratlor, President First Trust and Savings Bank, Chicago, 111.
Ammkbw Rubskl, Vice-President Ayers National Bank, Jacksonville, 111.
Root. A. Morris, Vice-President Fkdrmoimt State Bank, Fairmoimt, Ind.
Hoias A. Mnxn, President Iowa National Bank, Des Moines, la.
A. C. Smith, President City National Bank, Clinton, Iowa.
H. C. ScHtn/rs, Cashier Commercial National Bank, Waterloo, Iowa.
Gbobgb a. Guild, Cashier Central National Bank, Topeka, Kan.
J. K. Waller, President Peoples Bank & Trust Co., Morganfield, Ky.
A. T. Kahn, Vice-President Commercial National Bank, Shreveport La.
Gio. A. MacDonald, President Chicopee National Bank, Springfield,
Mass.
A. G. Bishop, President Genesee Coimty Savings Bank, Flint, Mich.
Kblsst S. Chase, President Peoples Bank of St. Paul, Minn.
T. W. Yates, Vice-President Commercial Bank & Trust Co., Laiurel,
Miss.
W.C. Gordon, Vice-President Farmers Savings Bank, Marshall, Mo.
Ralph 0. Kaufman, Vice-President and Cashier Union Bank & Trust
Co. of Montana, Helena, Mont.
IEd. F. Gallagher, President First National Bank, O'Neill, Nebr.
Benjamin E. Smtthe, Vice-President Liberty National Bank, New
York, N. Y.
Jacob H. Hbrsog, Vice-President National Commercial Bank, Albany,
N. Y.
GiOBGE A. HoLDERNBBS, President Farmers Banking A Trust Co., Tar-
boro, N. C.
F. A. Irish, Vice-President First National Bank, Fargo, N. D.
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EXECUTIVE COXTNCrL— CoNmnjia)
MEMBERS FOR ONE YEAR— -Continued
I. M. Taggast, President Merchants National Bank, Maasillon, Ohio.
T. H. DwTB, President Chiokasha National Bank, Chickasha, Okla.
W. L. Thompson, President American National Bank, Pendleton,
Oregon.
J. W. B. Bausman, President Farmers Trust Co., Lancaster, Pa.
John W. Wadden, President Sioux Falls National Bank, Sioux Falls,
8. D.
H. L. Hopkins, President Security Bank, Clark, S. D.
A. M. Qbavbb, Cashier Red River National Bank, Qarksville, Texas.
W. S. McCoBNicx, President MoComick & Co., Salt Lake City, Utah.
F. H. Fabbinoton, Brandon, Vt., Vice-President Rutland Savings Bank,
Rutland, Vt.
JuuBN H. Hill, First Vice-President National State & City Bank,
Richmond, Va.
E. W. PuBDT, President First National Bank, Bellingham, Wash.
H. W. Chadduck, Vice-President National Bank of Fairmount, Fair-
mount, W. Va.
Wai/tbb Kastbn, Vice-President Wisconsin National Bank, Milwaukee,
Wis.
Membership One-Year Class, 96.
MEMBERS FOR TWO YEARS
RoBBT Nbiix, Cashier Aikansas National Bank, Hot Springs, Ark.
F. J. Bblchir, Jh., Vice-President First National Bank, San Diego, Cal.
J. M. B. PmuKiN, President First National Bank, Greeley, Colo.
Chas. B. Lbwis, President Fourth National Bank, Macon, Ga.
Wai/tbb E. Milucb, President First National Bank, Nampa, Idaho.
John F. Hacst, Vice-President First National Bank, Chicago, 111.
John D. Phillipb, Vice-President Green Valley Bank, Green Valley,
HI.
RoMi C. Suphxnson, President St. Joseph Loan A Trust Co., South
Bend, Ind.
Gbo. S. Pabkbb, President Live Stock National Bank, Sioux City, Iowa.
M. H. Malott, President Citizens Bank of Abilene, Abilene, Kan.
C. E. Woods, Cashier First National Bank, Liberal, Kan.
Edwabd S. Kbnnard, Cashier Rumford National Bank, Rumford, Maine.
Gbobgb E. Bbock, President Home Savings Bank, Boston, Mass.
Dxtdlbt E. Waters, President Grand Rapids National City Bank,
Grand Rapids, Mich.
Cuff W. Gbibb, Vice-President Citizens State Bank, Cannon F^ls,
Minn.
J. R. DoMiNicK, President Traders National Bank, Kansas City, Mo.
J. B. Jbnninqb, Vice-President Mechanics Savings Bank, Moberly, Mo.
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EXECUTIVE COUtNCIL— Continued
MEMBERS FOR TWO YEARS— Cohtinxjid - ^>
H. E. SzDLBB^ Preddent Continental State Bank, Linooln, Nebr.
GiQBOB WisarasLD, President Reno National Bank, Reno, Nev.
John B. Cusmwst, Second Vioe-President Central Trust Company,
Camden, N. J.
H. B. JoNK, President First National Bank, Tucumcari, N. M.
John H. Gbbgobt, President Central Bank, Rochester, N. Y.
D. E. McKiNBTBT, President Highland National Bank, Newbur^, N. Y.
Lbaxb S. Covinoton, Cashier Farmers Bank, Rockingham, N. C.
Tom Habtman, Vice-President Producers State Bank, Tulsa, Okla.
Lawbmscb £. Sands, President First National Bank, Pittsburgh, Pa*
EftANcm DouoLAB, Cashier First National Bank, Wilkee-Barre, Pa.
Fbmd Collinb, Vice-President Bank of Commerce A Trust Co., Memjdus,
Tom.
P. D. Houston, President American National Bank, Nashville, Tenn.
AiBBT W. WiLXBsoN, President Citasens Bank & Trust Co., Austin,
Texas.
P. B. DoTT, Active Vice-President Gulf National Bank, Beaumont,
Texas.
C. £. TiFTANT, President Fauquier National Bank, Warrenton, Va.
D. W. TwoHY, President Old National Bank, Spdcane, Wash.
L. A. Bajor, Cashier Manufacturers Bank, New Richmond, Wis.
doBGB W. Pbbt, Vice-President £Bieridan National Bank, fiieridan,
Wyo.
Membership Two-Year Class, 36. Vacancy in Ohio.
MEMBERS FOR THREE YEARS
E. C. Mblvin, President Selma National Bank, Selma, Ala.
R. N. Freimbbicks, President Prescott State Bank, Prescott, Aris.
Chas. S. McCain, Vice-President Bankers Trust Co., Little Rock, Ark.
Wnjjs D. LoNGTTEAB, Vice-Prcsident Security Trust & Savings Bank,
Los Angeles, Cal.
Chables K. McIntobh, Vice-President Bank of California, N. A., San
Francisco, Cal.
Thbo. G. Smith, President Litemational Trust Co., Denver, Colo.
R. LaMottb Rubbell, President Manchester Trust Co., South Man-
chester, Conn.
Chabub R. Millcb, President Farmers Bank, Wilmington, Del.
E. C. Smith, Vice-President Griffin Banking Co., Griffin, Ga.
W. S. Rbarick, President Bank of Skiles Rearick A Co., Ashland, HI.
John R. WABHBxntN, Vice-President Continental & Commercial Na-
tional Bank, Chicago, HI.
Chab. W. Camp, President Garrett State Bank, Garrett, Ind. (P. O.
Address Room 38, State House, L:idianapolis, IndJ)
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EXECXJTIVE COimCII^CoNTiNUKD
MEMBERS FOR THREE YEARS-^CoNnNUKD
C. H. MoNiDDt, President First National Bank, Mason City, Iowa.
E. B. Wilson, Vice-President First Trust ft Savings Bank, Des Moines,
Iowa.
£. £. MuLLANiT, President Farmers ft Merchants Bank, Hill City,
Kan.
Q. W. Cabvt, President National Bank of Commerce, Widdta, Kan.
John W. Ennis, Cashier Pocomoke City National Bank, Pocomoke
City, Md.
I^iANK W. Blaib, President Union Trust Company, Detroit, Mich.
C. L. Hansbn, Vice-President First National Bank, Thief River Falls,
Minn.
A. A. Bbnnktt, cashier First National Bank, Renville, Minn.
Edwabo Budbb, Vice-President ft Treasurer Mercantile Trust Co., St.
Louis, Mo.
Rot J. CofBT, President Merchants National Bank, Billings, Mo.
J. F. CoAD, Jb., President Packers National Bank, Omaha, Ndinr.
Elwood S. Babtlbtt, Cashier Atlantic City National Bajik, Atlantic
City, N. J.
Dblmbb Runklb, President Peoples National Bank, Hoosick Falls,
N. Y.
W. E. PuBDT, Assistant Cashier Chase National Bank, New York, N. Y.
E. BmssBABTH, President First National Bank, Brinsmade, N. D.
E. L. CoBN, Vice-President Erie Coimty Banking Co., Vermillion, Ohio.
O. N. Sams, President Merchants National Bank, Hillsboro, Ohio.
Gut C. Robbbtson, Cashier First National Bank, Lawton, Okla.
JoBBPH Watnb, Jb., President Girard National Bank, Philadelphia, Pa.
David Babbt, Cashier First National Bank, Johnstown, Pa.
H. J. Haas, Vice-President First National Bank, Philadelphia, Pa.
J. P. Matthbws, President Palmetto National Bank, Columbia, S. C.
W. P. Andbbws, Cashier First National Bank, Fort Worth, Tex.
Ebnbbt J. Pbbbt, President First Fond-du-Lac National Bank, Fond-
du-Lac, Wis.
Membership Three-Year Class, 39. Vacancy in Nebraska, Okla-
homa and Rhode Island.
REPRESENTING TRUST COMPANY SECTION
Ltnn H. Dinkins, President Interstate Trust ft Banking Co., New
Orleans, La.
E. D. HuLBEBT, President Merchants Loan ft TVust Company, Chicago,
lU.
REPRESENTING SAVINGS BANK SECTION
S. F^tBD SiBONG, Treasurer Connecticut Savings Bank, New Haven,
Conn.
W. A. Sadd, President Chattanooga Savings Bank, Chattanooga, Tenn.
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EXECUTIVE COUNCIL— Continued
REPRESENTING CLEARING HOUSE SECTION
Raymond F. McNallt, Vioe-President National Bank, of Commeroe,
St. Louis, Mo.
A. A. CsANB, Vice-President First A Security National Bank, Biinne-
apolis, Minn.
REPRESENTING AMERICAN INSTITUTE OF BANKING
SECTION
Gabdnsr B. Perrt, Vice-President National Commercial Bank, Albany,
N. Y.
SnwAST D. Bbcxut, Assistant Cashier City National Bank, Dallas,
Tex.
REPRESENTING STATE SECRETARIES SECTION
RoBT. E. Wait, Secretary Arkansas Bankers Association, Little Rock,
Ark.
D. 8. Elobs, Secretary Pennsylvania Bankers Association, Tyrone, Pa.
REPRESENTING NATIONAL BANK SECTION
Wauieb W. Hbad, Vice-President Omaha National Bank, Omaha, Nebr.
H. H. McKkb, President National Capital Bank, Washington, D. C.
REPRESENTING STATE BANK SECTION
J. W. BimJB, Vice-President Texas Bank & Trust Co., Galveston, Tex.
£. C. McDougal, President Bank of Buffalo, Buffalo, N. Y.
REPRESENTING CURRENCY COMMISSION
A. B. Hefbubn, Chairman of the Advisory Board Chase National Bank^
New York, N. Y.
REPRESENTING AGRICULTURAL COMMISSION
JoBiPH HiBSCH, President Corpus Christi National Bank, Corpus
Christi, Tex.
Total Membership of Council, 133.
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VICE-PRESIDENTS FOR THE DIFFERENT STATES AND
TERRITORIES
Alabama: Val Tatlob, Preddent Canebrake Loan A Trust Co^ Union-
town.
Abuona*: p. p. Gbbeb, President First National Bank, Globe.
Arkansas: Gus Stbauss, President Citisens National Bank, Hot
Springs.
Caufobnu: W. B. Clanct, President Citisens National Bank, River-
side.
CoLOBADo: J. M. Whitmobb, Assistant Cashier Colorado National
Bank, Denver.
CoNNBcncur: Wic. B. Bassrt, Vice-President Phoenix National Bank,
Hartford.
Dblawabb: Curtis E. Davis, Vice-President Delaware Trust Co.,
Laurel.
District op Colxtmbia: M. D. RoBiNBBRa, President Bank of Com-
merce and Savings, Washington.
Florida: Dr. L. A. Bizb, President Citisens Bank A Trust Co., Tampa.
Gborgu: Jos. S. Calhoun, President First National Bank, Carters-
ville.
Idaho: Montir B. Gwinn, Director First National Bank of Idaho,
Boise.
Illin<H8: Watnb Humior, President La Salle National Bank, La
Salle.
Indiana: Evans Wooubn, President Fletcher Savings A Trust Co.,
Indianapolis.
Iowa: Kbnt C. Foluas, Cashier Cedar Rapids National Bank, Cedar
Rapids.
Kansas: A. D. Jbuison, President Central National Bank, Junction
City.
Kintuckt: Max B. Nahic, Vice-President Citisens National Bank,
Bowling Green.
Louisiana: Job Goitubb, President Union Bank A Trust Co., Baton
Rouge.
Mainb: H. M. Lawton, cadiier NatioAal Bank of Gardiner, Gardiner.
Martland: Gio. R. Gbhr, Cashier First National Bank, Westminster.
Mabsachusbitb: Charlb G. Bangrott, President International Trust
Co., Boston.
Michigan: Gus Hnx, President First National Exchange Bank, Port
Huron.
Minnbsota: A. H. TuRBirnx , President Lincoln National Bank,
Bifinneapolis.
Mississnn: I. L. Gaston, Cashier First State Bank, Columbus.
Missouri: J. E. Garm, Cashier Joplin National Bank, Joplin.
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VICE-PBESIDENTS— CoNTunjBD
Montana: E. L. BEnxL, Cashier Belgnde State Bank, Belgnde.
Nebbaska: J. M. Flannioan, Cashier Citizens Bank, Stuart.
Nktada: FaB> Geob, Cashier Bank of Fallon, Fallon.
Niw Hampshibb; Eoicxtnd LraruBy Vice-President Peoples National
Bank, Laconia.
Nbw Mkxioo: J. J. Jaffa, Vioe-Preddent Citisens National Bank,
RoswelL
New Jebset: Edwabd Killt, Vice-President Dover Trust Company,
Dover.
New York: IVkank L. Bjviov, Vice-President Merchants National
Bank, New Yoric.
NoBTH Cabouna: W. A. Blaib, Vice-President Peoples National Bank,
Winston-Salem.
NoBTH Dakota: Fbank R. Soopt, Cashier Merchants National Bank,
FaiKO.
Ohio: Chas. W. Slagui, President Merchants National Bank, Dayton.
Oklahoma: Jakx Easton, Vice-President Exchange National Bank,
Tulsa.
Obegon: E. G. Cbawfobd, Vice-President U. S. National Bank, Port-
land.
Pennsylvania: B. M. Mabun, Treasurer Union Banking A Trust Co.,
Du Bois.
Rhode Island: Michael F. Doourr, President National E xc hange
Bank, Providence.
South Cabolina: E. H. Pbinolb, Jb., Vice-President Bank of Charles-
ton, N. B. A., Charleston.
South Dakota: M. Pun Bebbb, President Bank of Ipswich, Ipswich.
Tennessee: H. O. Fulton, Cashier Phoenix National Bank, Columbia.
Texas: Howell E. Smith, Cashier First National Bank, McKinney.
Utah: Fbank B. Cook, Vice-President Columbia Trust Co., Salt Lake
City.
Vermont: Vacancy.
Vibginia: Gabland E. Vauohan, Vice-President Peoples National
Bank, Lynchburg.
Wabhinoton: H. L. Mebbitt, Cashier Dexter-Horton National Bank,
Seattle.
W»T Vibginia: L. N. Fbanti, Cashier American Bank A Trust Co.,
Huntington.
Wisconsin: F. W. Humfhbbt, President First National Bank,
Shawano.
WTOMma: A. D. Johnston, Cashier First National Bank, Cheyenne.
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VICE-PBBSIDENTS— Continued
VICE-PRESIDENTS FOR TERRITORIES
Alaska: J. Lindeberq, President Miners & Merchants Bank, Nome.
Canal Zone: George B. Carson, Manager American Foreign Banking
Corporation, Cristobal.
Hawah: E. I. Spaidinq, President Bank of Honolulu, Ltd., Honolulu.
Philippinb Islands: E. Sendres, President Bank of Philippine
Islands, Manila.
PoBTo Rico: Wiluaic Schall, President American Colonial Bank of
Porto Rico, San Juan.
VICE-PRESIDENTS FOR FOREIGN COUNTRIES
Bolivia: H. S. Dbnniston, General Manager, Denniston & Co., La Pas.
Canada: Sir E. B. Osler, President Dominion Bank, Toronto, Ont.
China: Frank J. Raven, President American Oriental Banking Corpo-
ration, Shanghai.
C06TA Rica: G. V. Long, Manager Royal Bank of Canada, San Jose.
Cuba: R. N. Herman, Manager Royal Bank of Canada, Santiago.
Isle or Pines : Robert Ixwiy Wall, President National Bank & Trust
Company, Nueva Gerona.
Mexico: F. J. Dunkeruet, Vice-President <& Manager Mexico City
Banking Company, S. A., Mexico City.
Panama: Ramon Arias Feraud, President Banco Ramon Arias Feraud,
Panama.
Santo Domingo: Francis T. Wilson, Vice-President Banco Nacional
de Santo Domingo, Santo Domingo.
Venszttbla: W. Burns, Manager Royal Bank of Canada, Caracas.
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COMMITTEES OF THE ASSOCIATION
CURRENCY COMMISSION
A. B. Hepbubn, Chairman of the Advisoiy Board, Chase National Bank,
New York, N. Y., Ckaifman,
Jas. B. FoeoAN, Chairman of Board, First National Bank, Chicago, Sl^
Vice^Jhairman,
Mtbon T. Herbick, President Society for Savings, Cleveland, Ohio.
FisTXTB J. Wadb, President Mercantile Trust Company, St. Louis, Mo.
GiOBOB M. Retnqu)6, President Continental and Commercial National
Bank, Chicago, HI.
O. E. DuNLAP, President Citisens National Bank, Wazahachie, Tex.
LxTTHBt Dbakb, President Merchants National Bank, Omaha, Neb.
Sol. Wszleb, J. S. j^ache <& Company, New York, N. Y.
RoBEBT Wabdbqp, F^eddent Peoples National Bank, Pittsbiirgh, Pa.
£. F. SwiNNBT, President First National Bank, Kansas City, Mo.
A. J. FkAME, Chairman of Board, Waukesha National Bank, Waukesha,
Wis.
J. F. Sartobi, President Security Trust and Savings Bank, Los Angeles,
Cal.
Lbvi L. Rue, President Philadelphia National Bank, Philadelphia, Pa.
Chas. a. Hinsch, President Fifth-Third National Bank, Cincinnati,
Ohio.
E. L. HowB, Vice-President Princeton Bank and Trust Company, Prince-
ton, N. J.
Fbedebick E. Fabnbwobth, New York, Secretary.
AGRICULTURAL COMMISSION
Joseph EbsscH, President Corpus Christi National Bank, Corpus
Christi, Texas, Chairman,
J. R. Wheeuer, Vice-President Farmers and Merchants Union Bank,
Columbus, Wis.
F. N. Shepherd, Director Empire National Bank, Lewiston, Idaho;
address for mail, Milb Building, Washington, D. C.
B. C. Powell, Vice-President Southern Trust Company, Little Rock,
Ark.
Will C. Gobdon, Vice-President Farmers Savings Bank, MarshaU, Mo.
W. G. Edenb, Assistant Secretary Central Trust Company of Illinois,
Chicago, m.
George E. Roberts, Vice-President National City Bank, New York, N. Y.
COMMITTEE ON ACCEPTANCES
Jerome Thralls, Secretary and Treasurer Discount Corporation of
New York, New York, N. Y., Chairman,
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COMMITTEES OP THE ASSOCIATION— Continued
COMMITTEE ON ACCEPTANCES-Continued
J. W. Stalbt, President Peoples State Bank, Detroit, Mich.
Edwin R. Roonbt, Vice-President First National Bank, Boston, Mass.
SPECIAL COMMITTEE OF FIVE
M. J. DowuNQ^ President Olivia State Bank, Olivia, Minn., Chairman,
Alexandeb Dunbab, Vice-President and Cashier Bank of Pittsburgh,
Pittsburgh, Pa.
DwiGHT M. Armstrong, Vice-President Commercial Trust and Savings
Bank, Memphis, Tenn.
H. A. McCaulet, President Sapulpa State Bank, Sapulpa, Okla.
Jas. B. Lambertbon, Cashier Security National Bank, Sioux Falls, S. D.
COMMITTEE TO COOPERATE WITH U. S. SECTION OF INTER-
NATIONAL HIGH COMMISSION
A. Breton, Vice-President Guaranty Trust Company, New York, N. Y.,