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his knowledge of banking and general ability. These men, together
with Charles Goldman, vice president; W. H. Kay, Ed Eisele, J.
Thalmeimer and Jacob Miller, form the board of directors. These
are all among the representative business men of the vicinity whose
sterling worth adds a note of assurance to the bank's reliability.



EMIL GANZ, president of the National Bank of Arizona, Phoenix,
was born in Germany, August 18, 1838, and in 1858 came to Ameri-
ca. In his native country he w T as educated in the public schools, and
at the age of fourteen was apprenticed to a tailor, and having become
a journeyman tailor, he worked at his trade in the vicinity of his home
for several years. On coming to this country he worked for several
years at his trade in New York City and Philadelphia, and later mov-
ing to Cedartown, Ga., conducted a business of his own. While resid-
and in the latter place, he attained to prominence in the community,
and was appointed postmaster for a term. During the Civil War Mr.



234



\v :i o s \v H o




02

>-)

hi



IX A R I Z O X A 235

Ganz served for more than three years in the Confederate Army, and
was engaged in some of the most important battles, and at the defense
of Richmond, and for seven months was a Federal prisoner. When
peace was declared, Mr. Ganz located for a short time in Quincy, 111.,
and removed to Kansas City, where he was engaged in tailoring and
gents' furnishing business for several years. From 1872 to 1874 he
was similarly engaged in Las Animas, Colorado, and since the latter
year has uninterruptedly been a resident of Arizona. Locating first in
Prescott, he successfully managed the Capitol Hotel until 1887, when
he came to Phoenix and became proprietor of the well known hotel
Bank Exchange, which was destroyed by fire in 1885. In 1895 he be-
came interested in the National Bank of Arizona, and was elected its
president, which position he has since held. The National Bank of
Arizona is now one of the largest and most prosperous banks in the
state, and its president one of the best known and highly esteemed
bankers of the Southwest, and to his judgment and ability is due much
of the success which this institution has met with. Mr. Ganz has also
been interested in insurance work, and has represented several of the
largest fire insurance companies. A staunch Democrat, he has enjoyed
the highest regard of the best political element of the locality, of which
he has received evidence by having been three times elected to the office
of Mayor of Phoenix and as member of the city council. In his ad-
ministration of municipal affairs Mr. Ganz displayed a broad knowl-
edge of the requirements of the office, and by means of his tact and
ability as a leader, won the confidence and admiration of his towns-
men. He is a prominent member of the Masonic order, in which he
has attained the thirty-second degree. Mrs. Ganz was formerly Miss
Bertha Angelman, of New York City.



SIMOX OBKRFELUER, cashier of The National Bank of Arizona, has
been identified with the financial life of Arizona during the past seven-
teen years, and during this time has aided in bringing this bank to its
present state of efficiercy. Mr. Oberfelder came to Arizona to take
the position of assistant cashier of The National Bank of Arizona,
and the next year, having shown such marked ability, was promoted
to the position of cashier, which carries with it practically the man-
agement of the institution. Mr. Oberfelder is a native of Germany
and was born in 1857. His parents were Meyer and Babetta Hellman
Oberfelder. Mr. Oberfelder was given the benefit of the excellent
school system of Germany. He also had a college course. He spent
several years in different eastern states and came to Arizona from
Omaha, where he had been connected with one of the strong firms of
that city. He has been a leader in the civic and financial life of Ari-
zona and ranks as one of her most able financiers. He was married to
Miss Fannie M. Ran, the daughter of a well known Federal officer of
a Kentucky regiment in the Civil War. Mr. Oberfelder is a member
of the Masons.



236 \V no's W H O

JOHN J. SWEENEY, assistant cashier of the National Bank of Ari-
zona, was born in Australia in 1859, but he came to America before
he was one year old, and so may be considered practically an Ameri-
can. His parents, John and Catherine Arno Sweeney, came to San
Francisco in 1860, and he had the benefit of the common schools of
California, as well as three years in Saint Mary's College in San Fran-
cisco. Shortly after this, he came to Arizona and has taken a leading
role in the commercial, financial and civic life since that time, but he
is best known as a banker. He started in as bookkeeper at the Na-
tional Bank of Arizona and was promoted from time to time until he
reached his present position, that of senior assistant cashier, in 1898.
He is the general agent of the United States Fidelity & Guaranty
Company, and is also connected with a number of the prominent com-
mercial enterprises of this city. For a number of years he was proprietor
of several meat markets with headquarters in Phoenix, and this ven-
ture, like the others with which he has been affiliated, was entirely
successful. He is one of the best known fraternal men in the South-
west, and is Past Grand Master of the F. & A. M. of Arizona; Past
Grand High Priest of the Royal Arch Masons of Arizona; Past
Grand Commander of Knights Templar of Arizona; Past Potentate
of the Shrine of Arizona, and Past Grand Patron of the Order of
the Eastern Star. Mr. Sweeney has always taken much interest in the
betterment of school affairs and for a number of years served as school
trustee. He was united in marriage to Miss H. Lillian Kelly, De-
cember 21, 1887, and they are the parents of two children, Mrs. J. B.
Rice and Paul Sweeney.



LESLIE H. RHUART, assistant cashier of the National Bank of Ari-
zona, is well known for his connection with different enterprises in
Phoenix, having been successfully engaged in insurance, real estate and
banking, and he is also a member of the legal profession, having been
admitted to practice in Arizona. He completed a high school course
in Los Angeles and then studied law in Phoenix. He was appointed
general agent of the New York Life Insurance Company for Arizona

and Sonora, but resigned to devote his time to real estate. He took a
clerical position in the National Bank of Arizona and in January,
1912, was appointed assistant cashier. Mr. Rhuart was born in
Mason City, Iowa, in 1874. His parents are John Holmes and
Eunice L. Bowley Rhuart. He was married to Miss Emma C. Hoel-
scher in May, 1912. Mr. Rhuart has two children, John Holmes and
Nancy Drake Rhuart.. Mr. Rhuart is at the present time interested
in real estate and owns a fine orange grove. He is secretary and a
member of the board of directors of the Arizona Orange Growers'
Association. He is also a member of the Elks.



IN ARIZONA



237




Charles Goldman

CHARLES GOLDMAN, vice president of the National Bank of Ari-
zon, Phoenix, has been a resident of Arizona for forty-two years, and
of the city of Phoenix all but five years of that time. At the time of
his arrival in Phoenix not a frame or brick store had been erected and
but few in that day, and those of exceptional foresight, would hazard
a prediction that it would develop into the prosperous city it is today.
In the city's growth and development in every way Mr. Goldman has
been a strong influence. Born in Bavaria, Germany, October 17,
1845, he received a practical industrial education in the schools of his
native country. In the spring of 1866 he came to this country, and
the first year was employed in Philadelphia. He then went to Cali-
fornia by way of the Isthmus of Panama, and remained there until
1871, when he came to Arizona. He first located in Prescott, and
then was engaged in general merchandise in the Williamson Valley.
This business was disposed of to purchase the business of his brother
in Phoenix, and another brother joining him in this enterprise, the
firm of Goldman Brothers was formed. He also became interested in
ranches and cattle and gradually increased his holdings in these in-
dustries, which proved to him a marked success financially. He helped
organize The National Bank of Arizona, and for many years was one
of its Board of Directors. He has also been an active member of the



238



WHO'S WHO



Phoenix Board of Trade. In politics, a Democrat, but not an office
seeker, his entire time has been devoted to his personal business
and the healthy interests of his home town. Mr. Goldman was mar-
ried in 1881 to Miss Sarah Fleishman, whose father, Benjamin Fleish-
man, was one of the pioneers of California. Their family consists of
Rose Bell, Sidney and Eugene Goldman.



First National Bank of Nogales

THE FIRST NATIONAL BANK OF NOGALES, one of the most reli-
able financial institutions in Arizona, was organized about ten years
ago and numbers among its directors and shareholders some of the
most enterprising men of the town. Its cash capital is $50.000, sur-
plus and undivided profits $65,000, and deposits but little less than
$500,000. While its business is conducted along safe and conserva-
tive lines, its policy has always been broad and liberal. The First
National Bank is depository for public funds of Nogales, the County
of Santa Cruz and for the United States. The funds of the Post-
office, the Immigration Office, and the Custom House are also depos-
ited with this institution. The record made by this bank is one of
which the directors and officers may well be proud, and during the
panic of 1907 it was one of the few banks in the state which met all of
its obligations without hesitation or reservation.

The reputation of The First National Bank of Nogales for per-
manence and stability is thoroughly well known over all Arizona, and
no one circumstance has ever done more to establish a high standard
for any financial institution than the able manner in which this bank
coped with the wants of its customers during the trying period refer-
red to by its announcement that it knew no limit short of the total
amount of a customer's deposit. Checks were readily taken every-
where, and when presented at the bank itself, were cashed with
alacrity. Its record in this particular has given it a place among the
sound and solid financial institutions of the country and in the estima-
tion of the entire business and commercial world that is treasured
among its most valuable assets.

The First National Bank conducts the usual Exchange and Collec-
tion business in addition to the regular banking lines, and in every
way is especially accommodating to customers. It also conducts a
safety box department for deposit of valuable documents, bonds,
money, jewels, etc., and a Mexican department for the buying and
selling of Mexican money. This bank has a large and extensive busi-
ness down the West Coast of Mexico. The Directors are Theo.
Gebler, E. Titcomb, Phil Herold, Bracey Curtis, L. Lindsey and H.
M. Clagett. Bracey Curtis is president; Phil Herold, vice president;
Otto H. Herold, cashier.. Beside a strong and liberal policy in the
conduct of the business of the sterling banking institution confided to
their care, the officials of the First National Bank give attention to the



IN A R I Z O X A



239





240



\V HO S WHO



best interests of the town of Nogales. Mr. Curtis, the president, and
Mr. Otto H. Herold, the cashier, have served as members of the
Nogales Council, and Mr. Grover Marsteller, one of the clerks, is
Town Clerk. Mr. Curtis is also chairman of the Fire and Water
Committee, and has been for years Chief of the Fire Department.



BRACEY CURTIS, president of the First National Bank of Nogales,
w r as born in Massachusetts in 1870, and is a descendant of a family of
old New England stock which was prominently identified with the
great manufacturing interests of the East. Mr. Curtis has been a
resident of Arizona about 13 years, which he has lived in Nogales.
He was first associated with the First National Bank of Nogales as
cashier, and his judicious administration in this capacity was an invalu-
able aid to the bank in its early days. This bank has established a
reputation for solidity and ability to meet emergencies that can not be
excelled by the oldest banks in the country, regardless of size or loca-
tion. Mr. Curtis was the delegate from Santa Cruz County to the
Constitutional Convention, elected on the Republican ticket, and
served on the Legislative, Private Corporations and Banks Commit-
tees. He is a public spirited man and has given much of his time and
effort to the building up of the community in which he resides, especi-
ally in the capacity of President of the Nogales Board of Trade. He
has also been Chief of the Fire Department, consisting of volunteers,
which has by means of his training developed into a splendid organi-
zation. He was a member of the committee appointed to select sites
for the Territorial Prison and Reform Schools.



OTTO H. HEROLD, Cashier of The First National Bank of No-
gales, one of the strongest and best managed of Arizona's financial
institutions, is a native of Kansas, and has been a resident of Arizona
for the past ten years. He w r as educated in the parochial schools of
his home and St. Benedict's College, Atchison, Kansas, from which he
was graduated. His first position was as bookkeeper in Kansas City,
and his next at St. Joseph, Missouri, and the latter one he resigned to
come to Arizona, where his brother, Phil Herold, now Recorder of
Santa Cruz County, had been located for a number of years, and was
then serving as Deputy Recorder of Santa Cruz. Otto Herold's first
position in this state was on the Yaqui River, but after a short period
he secured a place as bookkeeper in The First National Bank of No-
gales, w r ith which he has since been associated. He was later advanced
to the post of Assistant Cashier, and four years ago to his present
position, in which he has earned the reputation of being one of the
best informed and most capable banking men in the state. Mr.
Herold married Miss Carmelita Marsteller, a native of Nogales. He
has served two terms as member of Nogales Council, and was Chair-
man of the Financial Committee.



IN ARIZONA



241



Navajo-Apache Bank & Trust Co.

THE NAVAJO-APACHE BANK & TRUST Co., whose head office is
at Winslow, and branches at Holbrook and St. John, is the outgrowth
of a small bank which was organized in 1900 by W. H. Burbage and
Fred Nelson. This was known as the Navajo County Bank, and was
established at Winslow with a capital of but $10,000. Mr. Burbage
was president, and Mr. Nelson, vice president. In 1905 these same
gentlemen organized the Apache County Bank & Trust Co., at St.
Johns, of \vhich Mr. Nelson was vice president and cashier. Four
years later the two were consolidated under the name "The Navajo-
Apache Bank & Trust Co.", which began business with a paid-in
capital of $100,000. This is the largest bank in the northern part of
the state, and from its beginning has met with general favor because
of its sound and liberal policy.



WILLIAM H. BURBAGE was born in New York City in 1854, but
having lost both parents when but seven years of age, the greater part
of his education was acquired in a Catholic institution in Ohio, where
he grew to manhood and laid the foundation for a successful business
career. In 1878 he started West, spent some time prospecting in
Kansas and other sections, and in 1878 located in Trinidad, Colorado,
where he took a position in the store of the Colorado Trading Com-
pany. In 1882 he moved on to New Mexico and was employed by a
mercantile house having branches in Santa Fe and Albuquerque. Two
years later he wnt to Holbrook and forming a partnership with J. Q.
Adamson and Milton Chenowith, they opened a general mercantile
store under the name of Adamson and Burbage, and for five years did
a large and profitable business. Then they sold out and proceeded to
Los Angeles, where they embarked in the wholesale meat business.
Before leaving Ohio Mr. Burbage had devoted two years to the study
of law in Hiram College, but until he reached Los Angeles had very
little opportunity to proceed further with his work in that direction.
While in the meat business there, however, he spent his leisure hours
in study, and in April, 1893, was admitted to practice in the Supreme
Court of California. The same year he returned to Arizona, and
opened an office in Winslow. The following year he was elected
District Attorney of Apache County and re-elected in 1898 and 1900.
He was also appointed local attorney for the Santa Fe R. R. at Wins-
low. In 1895 he had formed a partnership with Mr. F. W. Nelson,
and in 1900, with Mr. Nelson, organized the Navajo County Bank, of
which he was chosen president, and has since continued at the head of
that institution. In 1905 Mr. Burbage and Mr. F. W. Nelson
organized the Apache County Bank, of St. Johns, Arizona, and
became president and vice president and cashier, respectively.
In the fall of 1909 the Navajo County Bank of Winslow, and



242



\V HO S \V H O



the Apache County Bank of St. Johns, merged under the present
name of the Navajo-Apache Bank & Trust Co., with $100,000 paid
in capital, of which institution, with bank at Winslow and branches
at St. Johns and Holbrook, Mr. Burbage became and is president.
Mr. Burbage is the owner of a large amount of real estate in that
vicinity, and a man whose ventures in various fields of activity have
been attended by success. In 1896 he was delegate to the National
Democratic Convention at St. Louis, and from 1896 to 1900 repre-
sented Arizona on the National Democratic Committee. He is a
member of the Knights of Columbus, and is also a member of the
Elks, of which he has been Exalted Ruler in the local lodge.



FRED W. NELSON, County Attorney of Apache County and Vice
President of the Navajo-Apache Bank & Trust Co., in charge of the
St. Johns Branch, was born in Manchester, N. H., winter of 1857,
but reared and educated in New T York and Chicago, to which latter

place he removed in
1870, and resided until
1883, when he came to
New Mexico. In the
early part of 1884 he
came to Arizona and
took up his residence
near Springerville. In
1891, having been ap-
pointed under sheriff ot
Apache County, he made
his home in St. Johns,
the county seat. In 1892
he was elected County
Recorder and creditably
discharged the duties of
that office as well as be-
ing in charge of the
sheriff's office. In 1895,
when his term of office
had expired, he moved to
Winslow, and took an
active interest in the
creating of Navajo
County. His influence
aided in securing the
passage of the bill dividing Apache County and making Navajo, and
his efforts in this respect were rewarded by appointment as first
County Recorder and Clerk of Board of Supervisors of the new coun-
ty, which positions he filled during 1895 and 1896. In the mean-
time he had been devoting much time to the study of law and in 1895




IX ARIZONA



243



was admitted to practice in the District Court at Holbrook. The
same year he entered into partnership with W. H. Burbage. In
1900 Mr. Nelson and Mr. Burbage organized The Navajo County
Bank at Winslow, with a capital of $10,000, and Mr. Nelson became
vice president. In addition to having built up a profitable practice,
'Mr. Nelson took active part in incorporating the town of Winslow
and served as town attorney from 1900 to 1905, when he removed
to St. Johns, to take charge of The Apache County Bank & Trust
Co., which he and Mr. Burbage organized in the fall of 1905, and
became vice president and cashier of the new bank. In 1908 he was
elected district attorney of Apache County and re-elected as the



VIEW, MAVAJ0
BANK AT -W1W$U3W




Interior View Navajo- Apache Bank & Trust Co., at Winslow

first attorney of that county. In 1909 Mr. Nelson and Mr. Bur-
bage consolidated the Navajo County Bank of Winslow and The
Apache County Bank & Trust Co., of St. Johns, under the name of
Navajo-Apache Bank & Trust Co., with paid-up capital of $100,000,
with head bank at Winslow and branches at St. Johns and Holbrook,
and he became vice president of the institution in charge at St. Johns.
He is one of the reliable and substantial business men of the section
and has accumulated property in Navajo and Apache counties. He
organized the Elks lodge at Winslow in 1900, and was its secretary
the first four years, afterward being elected Exalted Ruler. His in-
terest in good roads has made him one of the leaders in this work, and
it was due partly to his efforts that plans have been made to bond



244 WHO'S WHO

Apache county for road building. Fred Nelson is known as a prime
mover in the interest of improved conditions in the town, city or
county, and an earnest worker for all development plans.



R. C. KAUFMAN, cashier of the Navajo-Apache Bank & Trust
Company, was born in Leroy, Illinois, in 1880. He was graduated
from the high school of Leroy, and then took the general course in
the University of Illinois. He was first employed at telegraphy and
railroad work, and has been associated with the Navajo-Apache Bank
& Trust Company since 1907. His first position was as bookkeeper,
from which he was promoted to that of assistant cashier. Upon the
reorganization of the bank in 1909 Mr. Kaufman was chosen its secre-
tary, and one year later was made cashier, a position requiring a
thorough knowledge of financial matters and banking regulations, as
the Navajo-Apache Bank is one of the largest in the state and the
Largest in Northern Arizona. Mr. Kaufman married Miss Mary
Lynn Duggar. They have one little daughter, Jacqueline, and make
their home in Winslow.



LLOYD C. HENNING, manager of the Navajo-Apache Bank & Trust
Company's branch at Holbrook, has been in Arizona more than a quar-
ter of a century, his parents, who are now residents of Pinto, having
been among the pioneers of that section. Mr. Henning became first
prominently known in Arizona for the part he took in building up a
number of the strong weekly papers in Navajo and Apache Counties
and in his present position has hosts of friends throughout the northern
part of the state. He is an energetic and tireless booster, takes great
pride in the growth of Holbrook, and during his term as Secretary-
Treasurer of the Holbrook Commercial Club, the growth of the town
received considerable impetus. A little more than a year ago he was
married in Ohio to Miss Esther Hess, a native of that state, and in
Holbrook, where they have since made their home, they are very well
known socially. Fraternally also Mr. Henning is prominent in North-
ern Arizona, being an active member of the Masons and Elks.



J. E. Cox, cashier of the Merchants and Stock Growers Bank of
Holbrook, has a reputation for banking which preceded him to Ari-
zona, and was, in fact, the incentive which caused the directors of the
above bank to offer him the position of cashier. The record made by
Mr. Cox while associated with the First National Bank of Albuquer-
que, N. M., was known outside that state, and when the prominent
business men of Holbrook planned the forming of a company to start
a bank there, the only man considered for cashier, when it should be
completed, was J. E. Cox. The record which the Merchants and
Stock Growers Bank has made under Mr. Cox's direction has fully
equalled the expectations of those concerned and proven that the con-



IN A R I 7 O N A



245




J. K. Cax

fidence they displayed in his ability was well deserved. Mr. Cox is a
man interested in matters of public importance, in politics a Republi-
can of some influence, but not an office seeker. He is a prominent
member of the Elks and Masons. He was born in Kellogg, Iow T a, edu-
cated there and at Moline, Illinois, and received his first knowledge
of banking in The Moline National Bank, at Moline, 111. He is the
son of C. C. and Margaret A. Cox, and in 1905 was married to Miss
Minnie Peterson. They have three children, Margaret, Louise and
Anne. Mrs. Cox is intimately associated with church and charitable
work in and about Holbrook.



THE SOUTHERN ARIZONA BANK & TRUST COMPANY, one of
Tucson's solid financial institutions doing business according to the
most modern methods, has a paid in capital of $75,000 and resources
amounting to more than one million dollars, while its aggregate de-



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