"THE HIGHWAY CITY"

CHILLICOTHE, MISSOURI

Chillicothe, Old and New.

By HARRY W. GRAHAM

Secretary, Chamber of Commerce

The original survey of Chillicothe was filed for record August 31st, 1837, and a resurvey of the same was filed August 5th, 1859."

Chillicothe was incorporated as a city by an act of the General Assembly, approved March 1st, 1855. It was selected as the County seat by commissioners and the first term of the county court began on May 7th, 1838. In August of that year an order was made to. erect the first Court House, to cost not to exceed $5,000, in the Public Square; The first circuit court for the trial of civil and criminal causes was held on the 3d of July 1887.

This county, Livingston, was settled by hardy and resolute emigrants from the older counties. and others from Kentucky, Tennessee, Ohio and other states. Prior to the completion of the Hannibal & St. Joseph railroad in 1859, the improvements, with but few exceptions, were cheap frame houses, without any pretence of architectural beauty or design. The building. materials being hewed and sawed from the oak and walnut timber surrounding the town, as timber originally covered the site. Railroad communication at once gave an impetus for town improvements and soon two and 3-story brick business buildings were constructed on the ashes of the former frame structures. From 1865 to 1870, the city improved rapidly, then a lull lasted until 1875, when the erection of the beautiful three-story, $36,000 School building was started, now known as "Central School." From that time on Chillicothe made a slow, steady growth up to 1886 when The Chicago, Milwaukee & St. Paul railroad was built through here and "Water Works" and electric lights were introduced; then the city took on modernized improvement and has progressed most wonderfully during the years from 1906 to 1916.

Founded 80 years ago, Chillicothe has passed through all the vicissitudes which have come upon the country during that interval, She has borne her Dart well in every crisis, and has advanced along all lines as fast as any other part of the country, keeping step with any new developments and ideas.

The illustrations in this work tell, graphically, the story of Chillicothe's steady upward tendencies, and show how keen her initiative has been in calling upon her resources and reaching out for better things. She has never been a laggard since those days in the 80's when men still living combined their effort and influence to push her to the front as a city with conditions that others may know and enjoy, if they will, her possibilities. There is no city in the State whose immediate future looks so bright as that of Chillicothe, the railroad and highway center and the approaching factory city of North Missouri.

A Chamber of Commerce, organized in May, 1911, by progressive, enterprising business men, has done much for the more recent advancement of the city. The first officers were as follows: President, C. F, Adams; Vice President, J. H Barclay; 2d Vice President, B. F. Broyles; Treasurer, Joseph Wallbrunn and Secretary B. V. Gill.

Chillicothe, now a city of nearly 12,000 people, occupies a position among the interior towns of Missouri, comparable to that of a great store in the heart of a city's retail district with a frontage on four busy streets, with the best block of ground in town thrown in for good measure. Inside is a superb stock of goods as the show windows indicate and the signs are hung here and there announcing the bargains.

The metropolis of a vast empire of natural resources, Chillicothe has wealth to draw from to support and maintain a population of ten-fold over the present figures. She is favorably located as a distributing point for all Missouri north of the river and including a dozen or more counties in Southern Iowa. The population of this territory will exceed a million people, nearly one-third the population of the state.

The average value of a farm in this territory with equipment, has increased over one hundred per cent since 1900, and there are nearly 100,000 farms in this territory. The total value of live stock on Missouri farms, including surplus live stock sold for a single year is $437,978,643, and the total value of farm products for the same year was $302,001,461, making a grand total of $740,065,085. Three-quarters of a billion dollars is the value of Missouri farm products and live stock for a single year.

"Who would not be a Missourian": - a Missouri farmer, and dwell in a land of feasts and fatness, where from fabulously fertile fields there come no failures." "Does a drouth threaten once in distant decades? - it never brings disaster. Does one crop show a shortage? then another proves more prolific and profitable."

Chillicothe has railroads reaching out in six different direction", twenty state; interstate and trans-continental highways to every part of this wide and productive field which gives a splendid opportunity to the Jobber, Manufacturer, Distributor and Home-Seeker.

This city has over twenty miles of paved streets, owns its $250,000 Water and Light plant and possesses a Sewer system second to none. Its Streets are the best illuminated with a five-cluster "White Way" of any city in the State. It has just completed a $60,000 High School building and has six Ward Schools - all fully equipped. Its $100,000 Court House was erected in 1914, and a $180,000 Federal building will be completed in 1916.

It has two Business Colleges and one Academy and a school of Music. It has a $30,000 Masonic Temple and a $25,000 Elks Club House, and many other orders are represented. It has twelve Protestant and two Catholic churches. It has fair grounds, golf links, ball park, lake resorts and many other places of amusement.

Chillicothe has about forty factories and wholesale jobbing houses, the more important of which are the following: An Iron Works, Machine Shops, Hay Stacker and Rake Factory, a Silo factory, $20,000 Glove factory, 5 Cigar factories, three Candy factories, a $50,000 Ice factory, s $200,000 Brick and Tile factory, an $80,000 Automobile distributing House with fire proof sales room and Garage, one of the largest Gun Stock factories in the world, Grain elevators, Flour mills, a $100,000 modern Hotel with other smaller hotels that are also modern in part, two Dairy and Butter making plants, one representing nearly $100,000 out-lay for building and equipment, a Whole. ale Grocer plant that will compare to any in the larger cities, two Broom factories, three Printing plants, a Granite Works, two Cornice and Roofing plants and others worthy of mention.

It has three large Banking Houses and two Trust Companies with a total of deposits amounting to $1,685,000.00. In the county are twelve additional banks which run the deposits up to $2,500,000, with a total capital and surplus of nearly a million dollars.

Chillicothe is the home of over 300 happy Traveling men, most of whom own their homes, it is the home of "Hill Billy" (Wm. H. Hamby), the story writer, the resting place of Nelson Knease, author of music to "Ben Bolt" and is the home of the late "Farmer Dick" Jones

While Chillicothe is accounted a conservative city, she is distinctly progressive in her conservatism. She wants the best of everything, and generally gets anything she goes after.

Livingston county, of which Chillicothe is the county seat, lies north of the Missouri river and has a population in excess of 20,000 of which 7,000 are urban residents, Livingston county is known far and wide for its live stock. Hereford, Shorthorn and Galloway herds are found everywhere. Chillicothe is one of the largest horse and mule markets of North Missouri. Poultry raising and dairying are no longer side lines with the farmers, both industries paying good returns to those who follow them. It is one of the banner corn counties in the state, the output in 1912 being 4 1/2 million bushels. The wheat crop of the same year was 150,000 bushels. The wheat crop is secondary in importance as the farmers prefer to grow corn for their live stock. With an area of 359,000 acres the soil is generally rich and productive and the farms are well improved, although there is a vast acreage of uncultivated land awaiting progressive farm The prices of farm land vary from $40 to $125 per acre. Land along the Grand River and Shoal Creek bottoms is very fertile and at one time was subject to overflow, but a perfect system of levees and drainage ditches is reclaiming the fertile stretches and making them productive.

Livingston county has for its markets St Joseph, 75 miles west; Kansas City, 80 miles southwest; St. Louis, 200 miles southeast; Omaha, 200 miles northwest, and Chicago, 400 miles northeast. Some desirable land is still to be had at from $25 to $125 per acre. Besides corn, wheat and oats, hay broom corn, clover seed, potatoes and all kinds of vegetables are profitable crops. Apples, peaches, pears and small fruits grow bountifully and the number of commercial orchards are being increased from year to year. Chillicothe is a local market for many products but there is shipped annually from the county vast quantities of wool, hides, furs, tallow, lime, beeswax, honey, cream, milk, butter, poultry and eggs to other markets. The county is splendidly equipped with schools and churches of high character High schools exist in the larger towns and at. Chillicothe is a Young Ladies' Academy conducted by the Sisters of St. Joseph, The State Industrial Home for Girls is in Chillicothe. The county has a large railroad mileage, three roads crossing in every direction, centering at Chillicothe, the Wabash, the Burlington and the Chicago; Milwaukee & St. Paul, with 27 daily passenger trains. There is considerable timber along the streams and numerous saw-mills are in operation and wood for all purposes is abundant. Large quantities of walnut logs are being cut for the manufacture of gun stocks, the largest plant of the kind in the world just erected for this new industry is located here.

The sentiment for better roads has taken shape within the past few years and good dirt and hard roads all over the county will soon be a reality. Many miles have already been built. Besides Chillicothe are the smaller towns and villages of Avalon, Bedford, Blue Mound, Chula, Dawn, Farmersville, Ludlow, Mooresville, Sampsel, Sturges, Utica and Wheeling. At the county seat a fine new court-house was completed in 1915 at a cost of $100,000, a Government building to coat $180,000 will be finished this year.

Of all the factors that are bringing the county to a higher degree of development, increasing farm values and giving larger returns on the investment are good roads. No investment is so sure of substantial returns as that invested in good public roads. It is estimated that a good road is worth to good farm lands $2.00 per acre per mile from town for a distance of twenty miles. With more good roads being built, figures from the State agricultural board show a decided gain in productiveness of lands.

Livingston County needs more farmers; there is room for thousands. They will find here opportunity undreamed of and with less outlay of capital and the minimum of labor. The people represent the highest class of citizenship and are loyal and patriotic. The spirit of progress is showing them the way to larger and better things and they are taking hold, their slogan, "Pull Together for the advancement and progress of Livingston County," is gaining recognition far and wide.

The Chillicothe of yesterday is ancient history so far as it relates to the progress of the present and is interesting only for reminiscences which largely recount the toils, privations and struggles of the trail blazers, the men who Prepared the way for the Chillicothe of today, "The highway City" of America. Chillicothe has outgrown country town ways and has taken on metropolitan airs. Its merchants and businessmen have gotten the vision of larger things and for five years past have been unrelenting in their efforts to build better and larger.

Factories have come with their dinner bucket brigades, not a long line as yet, but an industrial army of some 600 men and women, and other institutions are looking this way. The city is ready to do business on a broader plan. The water and electric light systems are municipally owned and the idea that more progress might be made with commission or city management plan of government, is taking hold and may soon come to a vote of the people. Within seven years there has been added to the city's industrial interest a hay rake and stacker factory employing upwards of 80 people with a nation-wide territory, A glove and mitten factory having just increased its force of operators from 75 to 100. A poultry, egg and. cream station employing 80 people and shipping 3 car loads of products daily. A gun, stock factory using vast quantities of native walnut timber and which when started will give employment to 800 or more skilled workers. A shale brick and tile factory putting in plant and equipment to the extent of $100,000, having a capacity of 120 tons of brick and hollow ware daily and giving employment to 75 persons. These are a few of the larger industries in the last few years, of all together 41 factories in operation. In civic growth the city has taken great strides. Automobiles can drive over twenty-four miles of paved streets, flanked by parkways and granitoid walks. Pure water flows through twenty-two miles of city owned water mains, and a modern sewer system gives complete sanitation to a growing city of over 12,000 population.

Within the year 1915 a new, handsome county courthouse has been completed at a cost of $100,000.00. Uncle Sam is erecting a new post office and government building that will cost $180,000.00.

The Adams Company has erected a three-story fire proof garage to house automobiles at a cost of $60,000.00, and there are several blocks course of construction. Lumber yards and contractors are kept busy keeping up with the demand for new homes and improvements; that will amount to over one million dollars for 1916. Such is the Chillicothe of today, and the end is not yet, for even the most conservative say that within ten years there will stand here a city of 20,000, the metropolis of North Missouri, and they are working for it heart and soul. Chillicothe, "The Highway City," has found herself in the heart of as rich a country as can be found, rich in soil and resources that build cities - the best railroad facilities east, west, north and south and 21 State, Inter and National Highways close to the big markets - there is every reason for the faith that is here that these things will be a realty.

Business of the banks, sales in the shops, travelers at the hotels, transactions in the city and farm property all attest the activity of the people of the community, and it is no idle boast to say that the Chillicothe of today is one of the "livest towns" on the map; not premature prediction that ten years will see a city of twice the size.

Is "The Highway City" of the United States. Three Trunk lines of railways. Twenty-six passenger trains daily. A new $100,000 county court house. A new, modern $130,000 government post office. The State girls' Industrial Home. The largest business college in Northern Missouri. Municipally owned $250,000 water and electric lighting systems. Modern artificial gas producing utility. Manual training high school and six ward schools. Twelve Protestant and two Catholic churches. In the heart of a rich agricultural country. Eighteen business blocks and office buildings, Efficiently operated fire and police departments. A comparatively low tax rate. A glove factory employing 100 operatives. A poultry and cream station employing seventy persons, Seven rural mail routes covering adjacent territory. Five banks with combined capital, surplus and deposits of nearly $

Two daily newspapers receiving telegraphic news service. A modernly equipped city hospital. Ample first-class hotel accommodations. Three motion picture theaters and opera house. Forty-three factories. The Jefferson Highway. Twenty miles of street paving. Twenty-five miles of sewer system. The largest hay rake manufactory in the West. A population of over 12,000. A live Chamber of Commerce that does things. An active retail merchants' association. Has miles of good roads in every direction. No county or township indebtedness. The largest gun stock factory in the world. More State, Inter-state and National Highway than any other city in the United States. Has $1,643,390,000 farm wealth within 100-mile radius. Is the metropolis of 156,237 improved farms

The banks and industrial institutions of a town are undoubted factors in it, growth and development, but none have played so important a part as the land companies and realty dealers who are engaged in the exploitation of lands and property. They are the ones who bring the people here to see. to investigate and to invest. When all is said and done these are the real town builders and the developers of resources. Foremost among the largo land operators and realty dealers is the Broyles Land Company, whose operations in the exploitation of north Missouri lands extend over twelve counties, Livingston, Linn, Chariton, Macon, Carroll, Ray, Caldwell, Davis, Grundy, Sullivan, Adair, and Putnam. The Broyles Land Co., while handling lands and properties in many states have made a business of specializing; in north Missouri, and is conceded to be as rich and productive as are found anywhere, and at prices that are within the reach of persons of ordinary means. To specialize means to know the details of the business a little better than anyone else and better than anything else. A life long residence in this part of the state, an intimate acquaintance with farms and farmers in every county in which he operates, a detailed knowledge of land values, a thorough insight into the requirements of the investor and home-seeker gives Ben F. Broyles and his associates in the land company every advantage over the dealer whose operations are limited to a small area and whose transactions are few. If there is any one who can give every possible information regarding north Missouri lands it is the Broyles Land Company, for their volume of business for the past few years has been immense, reaching several hundred thousand dollars annually, An extensive business, operated on a broad gauged business-like plan - a plan that makes money for the man who trades through this agency as well as for the agency itself - and in a fair and square manner that leaves the customer contented and satisfied with his trade, whether it be for a thousand-dollar home or the investment of a $100,000 in broad acres and stock.

The Broyles Land Co., are prepared to give the homeseeker and farmer who wants to better his condition some interesting figures concerning Missouri land as compared with land in other sections, and as "being shown" is a favorite pastime with the American people - Broyles can show You how to make money out of these lands, thousands or acres of which, rich lowland, upland, timber, pasture, anything that has dirt on it he will show you. He has his own private cars and will take prospective buyers anywhere on earth.

The Broyles Land Co., occupy a suite of rooms - seven offices in the Beasley building on Webster street where a corps of salesmen and clerks look painstakingly after the wants of their customers and patrons. They have every modern convenience and facility at their disposal for doing business along these lines, and can make quick deals in any kind of a land transaction. They also represent the Fidelity-Phoenix and Queen Insurance companies, well known for their prompt settlement of losses and liberal policies. The Broyles Land Co., is one of the largest agencies in north Missouri and deals in and handles farm lands, city property, ranches, farm loans - they can negotiate large loans in quick time, business confidential and at reasonable rates of interest - real estate of all kinds, and their superior service is at the disposal of any who ask. Ben F. Broyles, head of the company has lived here all his life and is one of the fairest and squarest business men in the county, as well as one of the livest wires in realty that every made this city his home. A real progressive who believes in doing business right and is always in the thick of the fray when it comes to getting things done for the good of Chillicothe and the further development of Livingston county.

Specialize in all branches of the real estate business, maintaining separate departments for Real Estate, Farm Loans, Insurance, etc.

Each department is under the direct supervision of an expert in his particular branch, which enables THE BROYLES LAND CO., to give satisfactory service in any line of their business.

Have a large offering of highly improved farm lands.

Specialize on black Corn Land and choice Blue Grass Stock Farms, ideally located in the center of the Corn Belt,

Also, control high class Ranch Propositions and lands of all descriptions in the Southwest.

With agricultural pursuits offering the best inducements for a family of moderate means and all large cities filled to overflowing with men and women who would prosper on farms, if they devote the same energy and time to tilling the soil that they do to earning a bare living, the back-to-the farm movement has recently received a fresh stimulus through contemplated National Government aid. There is no better farming land in the United States than is to be found in Livingston county. Improved land can be purchased for $60. an acre and up. Here is where wheat, corn, oats, blue grass and clover grow luxuriantly with the consuming markets, Kansas City, St. Louis and Chicago, close at hand. Potatoes, tomatoes and other vegetables are easily raised and readily sold for a high price without much effort on the part of the producer.

In Indiana, Illinois and Ohio and other eastern states the same kind of farm. as we have hero are worth from $100 to $200 an acre, and they have no better or higher priced markets to supply; with the additional drawback that (he greater worth there of the lands gives the average agriculturist a very low income on the large amount of money he has invested. It is therefore apparent that with the same capital and expenditure of the same amount of muscular energy more money can be made by farming in Livingston county. An Eastern farmer with land worth $6,000, on which there is a $2,000 mortgage, does not earn as much from his toil as does the Livingston county man who values his land at $8,500, but all paid up. The point of such " comparison is obviously plain.

The eastern farmer would do far better if he sold his mortgaged property, came to Livingston county and Purchased a $4,000 farm, paying for it in each. In two years, under ordinary conditions, he would have a snug bank account and no more, interest to meet or payments on encumbrances to make.

The days of pioneering are past and the time of opportunity is now. Thousands of acres are as yet untouched by the plow, and with dredge and ditch vast acres, richer than the famed valley of the Nile is being developed almost as if by magic. The value of farm lands here are increasing with the building of good roads.

The value of all farm lands in the county is $ 25,000,000 with building worth $3,084,000. Of the 33,000 acres there are 2,479 farms with an average acreage of 140 acres. There is under cultivation less than 200,000 acres, leaving room for hundred- of additional farmers. The average of improved acres to each farm is less than one-half; less than two-thirds of the farms in the county are operated by their owners, while the number free of encumbrance is given as 856, While Livingston ranks high as an agricultural county there are practically no limits to the possibilities of agricultural development.

The fact that this county already is one of the big corn and feed producing counties of the state, coupled with the further fact that only a little over one-half of our extensive area, suitable for farming purposes is under cultivation, clearly demonstrates what could be done with ordinary farming alone if every available acre was tilled.

If every available acre were properly cultivated our annual output of corn, wheat, oats, hay and similar staples would increase over sixty per cent, without taking into consideration the production of vegetables, fruit, dairy products, live stock, honey, wool and all other farm commodities which would also naturally follow.

There is plenty of available farm land here, some highly improved and cultivated, and at prices that would make the eastern farmer open his eyes when he saw the productiveness of the soil.

The need is for more farmers who farm scientifically on smaller farms rather than the "big" farmer who holds his land or else cultivates only a small portion of it.

For the past few years, the people of the Middle West have come to the conclusion -- unwarrantedly, however,- that this country was fully developed and improved. At least some of them have, and have gone southward to Texas, to Mexico and other distant places in the search for fertile acres. Most of them have come back, convinced that they were in error and that the lands in this section - and we are speaking now of Livingston county in particular - are as good as are to be found, anywhere on earth, Statistics prove it to be a fact.

Just as instance of this we quote a local dealer and specialist in Missouri and Livingston county lands who guarantees to show any doubting Thomas the proof of what he says; "You can buy two acres here for the price of one acre in Illinois and with prices ranging from $50 to $ l50 per acre. Land that will produce just as much corn, grain and grass as yours, contiguous to just as good markets, in just as good or better climate and social surroundings. Not only does this man speak truly, and applies to land in other states than Illinois, but the state bureau of agricultural and live stock statistics gives some interesting information along this line, showing that Livingston is a rich and productive county. It also shows that there is a small proportion of the land here in cultivation.

The latest statistical report available is for the year 1914. It shows that out of 839,000 acres in the county that only 89,000 acres were planted in producing crops, leaving 175,000 acres of uncultivated land in the, county, room for thousands of good farmers. Some of this land is river bottom land and unusually productive except in overflow years, which seldom happens. Corn is the crop most largely grown and doubtless the mast prolific. With 67,000 acres in corn the crop totaled a. million and a half bushels, an average of forty bushels to the acre; 14,000 acres planted to wheat in the same year produced 267,767 bushels of the cereal. Corn is the most largely raised of the grain (125,870 acres planted, yielding 3,272,620 bushels) for the reason that the Livingston county farmer believes in marketing his crop on four legs in the shape of pork and pigs feet, but another story is that about the live stock.

Hay and forage are the next crops in importance and with 38,000 acres planted in hay and grasses 48,000 tons was the result, over a ton and a half to the acre. Alfalfa produces from three to five tons Per acre and there is a large acreage in this county.

Livingston is getting to be something of a fruit county and promises to rival the famous Ozark fruit region. Last year from 268,000 bearing trees there was gathered a crop of 263,000 bushels of apples, peaches and small fruits. 115 acres in strawberries produced 99,000 quarts of berries.

Potatoes and other vegetables are grown also to a considerable extent and are a prolific crop, 665 acres last year producing 53,000 bushels. This is a blue grass country that is far above the famed blue grass region of Kentucky, the grass growing more luxuriant and with smaller care than in the astern state. As pasture land there are few counties in the state offering such opportunities to the stock raiser and feeder. Of late years this has not been as much neglected as formerly and the herds are in creasing in number and size each year.

The waste bottom lands over the county, lands which have heretofore overflown are being reclaimed for use by means of drainage ditches, making; it more valuable and more productive than any other. The soil of Livingston county will grow anything indigenous to the north temperate zone, with the least amount at labor and where scientific and intensive cultivation is practiced the yield is far greater than in most sections.

The farmers are gradually becoming educated to the necessity for farming systematically and the old, slip-shop methods are being relegated to the past. They are farming on business principles and getting a larger return with better crops which mean a bigger bank account and fewer mortgages.

The land of opportunity is under your feet in Livingston County, you don't have to spend a cent to reach it. Many a disappointed land-seeker who went to Oklahoma or some other western state in the restless times a few years back, would give a lot to get a foot-hold here again.

But it is to the possibilities in the raising of live stock that the attention of the reader is directed. No country on earth offers better advantages for good returns than cattle, hogs, horses and sheep First we have the natural blue grass pasture land, a rich grazing country where forage and feed crops are nearly always to be depended on, Right in the great corn belt of North America where instead of marketing his corn at 40 cents a bushel he can ship it to market on four legs and double its value.

In the second place three of the biggest live stock markets of the world are less than ten hours distant by freight, Kansas City, St. Joseph and Chicago. The live stock industry has been on the increase in recent years. Authentic figures from the state bureau of statistics show over sixty thousand head of live stock in the county valued at over % million dollars. Of these, hogs were first with cattle, horses, sheep and mules in the order named Receipts from the sale of animals in 1912 are given at a million and a half dollars Later unofficial figures indicate a decided increase in both the number raised and the number sold.

Livingston county farmers are beginning to appreciate the fact that sheep raising is easy and profitable and this industry is becoming one of large importance. Sheep. make good fertilizing agents and there is no known method better for clearing unimproved land than to turn it over for a couple of years to sheep. While the breeding of registered herds is practically in its infancy here, many are improving their herds with registered stock - both hogs, cattle and horses. The Poland China's have the lead over the other breeds and there are some good herds scattered over the county, Light horses are giving away to the big sturdy Percheron and draft animals. Pure bred Shorthorns, Angus, Herefords and Galloways are taking the place of the mixed breeds The same feed and better treatment will produce pure bred stock the same as it will scrubs with the producer getting a far better price for the latter. Good dairy herds are numerous and immense quantities of cream is marketed: from this point every week. One farm alone making into butter 100,000 pounds a mouth. Last year two million gallons of milk and 500,000 pounds of butter fat were produced by the farmers of the county Livingston county grows finer blue grass and more of it than the famous Blue Grass state ever dreamed of and other forage crops are always abundant Missouri is naturally a hog producing state.

This state with over 4 million hogs is surpassed by but two states. If all these hogs were one hog the only ring big enough to stay its rooting would be the equator. So, with snout free, it might with a little rooting have saved Uncle, Sam the price of the big ditch down at Panama. The Missouri-Iowa State Fair Trail passing through this county, connects two of the greatest State Fairs in America, The route Passes through the very heart of American agriculture and Live Stock husbandry, There is no region more fertile or productive; the blue ribbon winners in Live Stock are produced here and champion ships are won by the score.

The one particular thing in which every citizen of Chillicothe is interested is its Public Schools It is the pride of everyone not only in this city but likewise in the entire county. Nothing is spared or neglected any way in the line of equipment or teaching facilities to make its work second to none in the state. In addition to the regular work of the grades, good Practical work is offered in drawing, music, manual training, domestic science and domestic art. No school system is doing more to give to its children the things that will be of material help in life than the Chillicothe Public Schools. Its entire work is planned along that line: Education and training to make the highest type of citizenship is its aim.

The Chillicothe High School is one of the best High Schools in the State of Missouri. Its work is approved by the State Department of Education; the University of Missouri and the North Central Association of Colleges and Secondary Schools. Anyone completing its work is admitted with out examination in the leading Colleges and Universities of the U. S. A large number of its graduates are now attending these higher institutions of learning. In addition to the regular work of High Schools in general offers strong courses of work along the following lines: Teachers Training , Commercial work, which includes Book-keeping, Short-hand and Type writing ; Manual Training, Music, Art; Domestic Science (Cooking) and Domestic Art (Sewing). Fifteen units are required for graduation. Students required to pursue four studies each year. The large amount of optional work which it offers enables students to pursue work which will prepare themselves especially for life's work. Its courses include the following:

Teachers' Training.…......Three Years

English....…….........Four Years Commercial..........……....Three Years

History..........……...Four Years Manual Training.……......One Year

Mathematics.........…Four Years Music..................……….One Year

Science......…….......Four Years Art..................……….....One Year

Latin..........……......Four Years Domestic Science..….......One Year

German.....…..........Two Years Domestic Art.........……...One Year

Four years of English is required from all students. All other work is made optional.

During the last eight years the enrollment of the High School has more than doubled. A large number of young people are now taking advantage of High School Work who were accustomed formerly to drop out of school in the lower grades. The highest graduating class in the history of the local schools was the Class of 1915, which numbered sixty eight (68)

A.R. Coburn Superintendent of High School

L.G. Abernathy Principal of High School

BOARD OF EDUCATION

H. P. Scruby……….President Joseph Batta………...Secretary

H. Hogan………….Treasurer C. T. Botsford

Dr. W. M. Girdner Ed Claybrook

Livingston County, exclusive of Chillicothe, has 75 rural districts four consolidated schools and four approved third-class High Schools. These schools enrolled this year 150 in High School and about 3500 in the grades and a presided over by 113 teachers. The county has a splendid corps of teachers, the;. majority of whom have had special training in the profession. A great number attend Summer Schools at the diversity of State Normals every year in order that they may keep abreast of modern ideas. A few are poorly qualified but they are being pushed out of the profession by those that do believe in preparedness. The school Boards are awake to the fact that the teacher is the vital power in the school, and that it matters not how fine their school-house, library and equipment may be if the teacher is inefficient they can not have a good school. The people of the rural communities of this county are awakening to their opportunities and are solving the problem of providing High Schools for their boys and girls and at the same time keep them at home. Under the Buford law they organized four consolidated schools that will maintain approved High Schools and receive about $2,200 State aid every year for maintaining the schools, besides aid in the erection of their buildings. Many other communities are watching these districts and are talking of petitioning for the same: Avalon, Chula, Dawn, Ludlow, Utica and Wheeling are now maintaining approved third class High Schools and Bedford and Mooresville expect to join the list next year. Chula and the Consolidated District at Avalon will maintain second class High Schools the coming year. A fine school spirit prevails in many parts of the county. The town of Chula has within the last year erected $12,000 school building that is said by men who know to be the best school building in the state for a town the size of Chula, and at the last election voted 100 cents on the $100 valuation that they 'may have an approved second class High School. All this has been done practically without opposition. The 100 cent levy having only three votes against it. Fifteen of the rural schools, of the county are approved rural schools. Which means that they have reached a certain standard, fulfilled certain requirements set by the state.

As a farmer of the county expressed it, "School conditions in the county are not ideal but great changes are gradually taking place." We look to the future with confidence, for the people are becoming greatly interested in educational problems and under the leadership of John M. Gallatin one of the live wire County Superintendents of the State, and his excellent corps of teachers Livingston county will have for her boys and girls as good rural schools as can be found in the state.

When Livingston county issues such a magazine to the world they are not holding forth false visions, or false opportunities but are merely placing forth the facts as the are to be found by those who visit our great county of opportunities.

With all due respects to the Missouri mule, that long-eared quadruped who has had his praises sung for years, must take a back seat in favor of the Missouri hen, who has usurped his place in the limelight.

The mules in Livingston county are valued at $285,000-and this is a banner mule producing county-while the poultry and eggs produced and raised reach the amazing total of $353,000. Two carloads a day are shipped from one commission house alone, while the production of eggs has increased within five years nearly 100 per cent.

As vast quantities of poultry and eggs from a part of the cold storage provisions which the huge steamers plying between New York and European ports, place on the daily menu for their passengers, the indications are that Livingston county farm products were even carried across the Atlantic and eaten in those distant cities.

Besides the poultry and eggs there is a fortune in feathers. A feather dies not weigh much and has little value, but when the shipment from the 114 counties in the state for one year reach the weight of 1,264,000 pounds, then this portion of the poultry industry becomes a large item, since the value of the quantity mentioned approximates $505,980.

One hundred people are engaged in Chillicothe alone in handling the poultry and eggs brought to this market.

If all the eggs laid by the hens of this county were packed in cases there would be enough to give every man, woman and child three cases each.

Missouri is the greatest Poultry raising state in the Union, none excepted, the product running into millions of dollars, and Livingston is one of the banner counties with more persons being engaged in the industry than any other. There is room for still others, for the demand for poultry and eggs increases steadily each year.

The Meinershagen Furniture and Undertaking Co., and the city of Chillicothe began doing business at the same time, and few there are here today who remember when either opened their doors, for it was away back in the early fifties. Their progressive spirit is evident by their growth. Chillicothe has grown to a metropolitan city of 12,000 and the Meinershagen Co. has kept growing right along with it. Everytime Chillicothe platted another addition to the map and invited more people, Meinershagen added another floor to their business and invited the newcomers, and they have been inviting them during all these years to one of the most progressive establishments carrying a line of high-class goods and offering the best service of any similar business in this part of the state. This firm occupies seven floors of a big, modern building at 509-11 Washington street, filled with an immense stock of furniture from the best factories, Whittall rugs, the best made, and many other high-class floor coverings; a line of the noted McDougall kitchen cabinets and furniture and household goods of every description from a carpet sweeper to the most costly and elaborate parlor set. The wall paper department is the largest and best selected line in North Missouri. They can furnish a house at reasonable prices, that others cannot afford to quote. Meinershagen's has been a leader because they offer service that means service. It begins in the furniture departments and does not end until the final ceremony is said at the burial service, for they specialize in doing funeral work, every detail being carefully and promptly attended to by experts. They carry a line of caskets, moderately priced and costly, funeral clothing and accessories and licensed embalmers prepare the body in a careful sanitary manner. At their place of business a private chapel is equipped for the comfort of those who prefer services there instead of at their homes. It is just like conducting a funeral from the church and does away with the annoyance of disarranged homes and sickness that may already be in the house. This firm also manufactures cement vaults, which have been in large demand of late years on account of their durability and permanency. in connection with the retail business in the undertaking department they also wholesale vaults which are immediately sealed with combination lock. Courteous service, promptness, quality goods and reasonable prices have been the standards on which the Meinershagen business has been built and it has a solid foundation, with a volume of business extending beyond the confines of Livingston county. Mr. Meinershagen came to Chillicothe twenty-three years ago, starting in a three-story building, and today it would require a long freight train to hold the goods that are on display on his seven floors. F. A. Meinershagen, owner and proprietor, has been a devoted resident of Chillicothe twenty-three years and has stood for and taken part in the activities, and of the affairs that brought progress and development to the town and county and he can always be depended on to do his part in charity freely given or for anything that is for the general welfare of the community. If you give this firm a trial you will find they stand willing and ready to be of any service to you. They hope to retain your trade and confidence by honest trading. This firm would have it to be known that they are always ready to please and know how. A call to this great furniture store will be a treat. Quality and busy is the motto of this store. You will find F. A. Meinershagen and his son Julius on hand to give you service.

Some men are born rich, others have riches thrust upon them and others sell shoes for a living. Brooks Wigely does the latter, and does it so will that it is confidently predicted that he will some day have gained riches. If not that, he will have achieved fame for the slogan, or motto, or whatever he calls it that he uses in advertising his business. You've never seen Brooks Wigely's ad without the line, "Limp In and Walk Out." The best part of it is that it is true, for Wigely sells comfort shoes. No matter what the condition of your feet, a visit to this modern shoe emporium will convince you that relief may be had in the footwear he sells. An attractive, comfortable store at 517 Locust street offers every modern convenience for the person who is particular about the kind of shoe he wears. Mr. Wigely has the lines of footwear he sells made for him and for the trade. Knowing what his customers want he is in position to get it made for them by the makers of the highest quality of shoes. No matter how particular you are, or how rude and abusive to the salesman serving you, pair after will be taken from the shelves and the most determined effort will be made to please and give satisfaction. Mr. Wigely makes it a rule to fit shoes that will overcome defects, if there are any, and that are stylish and serviceable. If you have never patronized his store, you have missed a shoe store service that is the peer of them all.

Mr. Wigely handles shoes for men, women and children, carrying the narrowest last made and which are so hard to get by many people with narrow feet. He has made a leader of his store and one that reflects credit on the city as one of its progressive houses. Outside of being a shoe merchant Mr. Wigely is all right, one of the loyal and dependable citizens of Chillicothe and he takes off his hat to no man when it comes to boosting for the city and its institutions.

There is no more reliable nor deservedly popular clothing establishment in Chillicothe or North Missouri than the Starkey Clothing Co., located corner Locust and Jackson streets, and beyond question one of the most attractive and best stocked mercantile establishments in the city. This store has enjoyed a prosperous career from the time they began business several years ago, all because of the honest methods employed and the reliable merchandise carried. This store has built up a large clientele among the best people in this section and occupies a splendid corner, whose show windows reflect thoroughly the high quality and general nature of the stock carried inside. It is one of the first establishments to attract the stranger in the city and a most popular one with the residents of Chillicothe and Livingston county.

The store carries one of the most comprehensive and classy assortments of men's clothing, furnishings, hats, caps, etc., to be found in this part of the state and its reputation has always been of high character, which appeals to those who appreciate quality and honest value. This is strictly a one-price establishment and there is no deviation from this rule. This modern store which is ample in all its departments, is finely arranged for the display of the various lines carried, and this includes both in cases and on shelves, the best products of the most reliable manufacturers in the United States. Starkey Clothing Co. is the home of Hirsh, Wickwire, and L. Adler Bros. and "Clothcraft clothing" and Mallory hats, men's wearables that have no superior in point of quality, style and service - the clothing and hat par excellence in demand by the best dressers. It is also the store of good service - personal service - for its patrons and the public for Messrs. W, F. Starkey and E. M. Switzer, members of the firm are always on hand to look after every want and desire. They have made their store a leader in Chillicothe and a business asset of the city.

With the slogan, "Pull together, everybody for 365-day hard surfaced roads." the Chillicothe Chamber of Commerce "pledges itself to the principal of 365 days-in-the-year roads." This and other commercial organizations of Livingston county have accomplished wonders in the past few years and have aroused a timely interest, urban and rural, for improved highways.

The relation of public roads to the social, intellectual and moral part of life has been largely overlooked. The home, the school, and the church is the nucleus around which our social life exists. This is especially true of farm life where the highway is the means of communication and transportation between the home, the school, and the church. Neglect the public roads and you not only neglect transportation facilities, but social and educational requirements.

The articles we eat and wear come from the farm, and the growth and advancement of agriculture and life connected therewith is for the best interests of everybody. No matter how we may view this development of country life - of all suggestions (good, bad, and indifferent) for the development of country community life - right at the bottom of it all, back of it all and on which it is all based, will be found the question of good roads. No propositions for good country conditions is an assured success until good roads are assured. It all rests upon the means of transportation and communication, and the very basis of transportation is the public wagon road. Since the condition of roads enters so largely into the cost of transportation, and transportation charges increase so greatly the cost of living, good roads will add to the cash value of the farms served by them much more than the roads cost. They are not an expense, but an investment.

The average farmer thinks only of their cost and not of the benefits they will bring. He does not figure the "mud tax" he pays or his time as worth much if anything. Good roads will permit him to haul his commodities to market when the market is at top prices, and not when the roads will permit him to make the trip, perhaps through mire, and forced to sell on a falling market. He forgets that animals and vehicles cost money and that they will last longer over good roads than over muddy ones. He forgets that wife and children like to enjoy some of the good things of life, and unless the weather is favorable and the roads are good, they are deprived of social life.

Chillicothe, known as "The Highway City," has the following highways: The Pikes Peak Ocean to Ocean, The Hannibal & St. Joseph Cross-State, The Canada, Kansas City & Gulf, The Mark Twain, The Missouri - Iowa State Fair Trail, The Omaha & St. Louis Highway, The Cannon Ball, The Jefferson National Highway, The Iowa - Missouri Capitol Trail, The Southwest Trail, The Ozark Trail, The Big Four Trail, The Lakes to Gulf Highway and Six County Seat Highways, then there are two other interstate highways now being established, making in all twenty-one highways passing through this city that are state inter-state and national. It is said to be the greatest highway center in the United States. These highways will soon be hard-surfaced, a commission has recently been appointed for the county to project the campaign looking to a county bond issue for this road construction.

It is conceded that the best plan to secure good roads is to tax the land that will be most benefited by them and it is theory that the state highway association is working, following the lead of other states who have worked along this plan.

With the building of good roads has come a demand and desire for hard-surfaced roads, rock, cement, and gravel. Communities that have then, making a reliable road 365 days in the year, have started the ball rolling, and it will not be long until Livingston will have as good hard-surfaced roads as any county in the state.

Chillicothe's growth in the past few years may be pretty accurately gauged by the volume of business of some of the carious concerns handling building material. As an indication of this H.W. Druen, handling extensively brick, cement, sand and crushed rock, together with mill feeds, hay, grain, coal and wood has done a volume of business for fifteen months that has run into an enormous total. This, also, in spite of the fact that Mr. Druen has been in business here only since August, 1914. Not only does this indicate the progress in building the city has made, but also the ability of Mr. Druen to secure and handle the business that is here. With yards covering 30,000 square feet of ground space located on the Milwaukee tracks, and with bins each 50 X 100 on both the Wabash and Burlington tracks, a minimum of time and labor is saved in unloading coal and other material. this is a saving to the consumer, as he gets the least amount of fine coal and the least breakage and loss in other things. Mr. Druen handles the Scranton, Pennsylvania, hard coal, by-product, petroleum coke, Franklin county, Illinois, and Eastern Iowa soft coals, best by tests for cleanliness, freedom from slate and dirt and unexcelled heating qualities. There is none better than the Mystic and Seymour, Iowa, coals handled by him. In his yards are always to be found the better grades of brick of any kind, Portland cement, high-grade send and crushed rock for building purposes. Mr. Druen furnished all the material of this nature that was used in the new government building, and that means that every bit of it had to pass the severest tests known to building contractors. He is able to fill orders in any amount and on demand for anything in this line, guaranteeing all he sells and giving correct weights. An order over his phone, No. 750, will be filled in the shortest possible time, for superior service is another feature of the business, and one that has added to his list of customers each month. Reasonable prices, fair and courteous treatment of his customers each month and the public has firmly established him as one of the leading dealers and business men of Chillicothe. Mr. Druen, in addition to being an energetic and progressive business man is also numbered among the dependable and public spirited citizens of the town, for coming here from his former home in Ottumwa, Iowa, less than two years ago, he has shown his public spirit in lining up with the town builders and other interests that are fast making Chillicothe a better place to do business and to live in.

Among the leading druggists of Chillicothe are Wigely Bros., located at the corner of Webster and Locust streets, occupying one of the most modernly equipped stores in this section of the state. Both Seymour and Buel Wigely have been in the drug business for thirty-five years at their present location, the former a member of the old firm of Ostrander & Wigely. Several years ago they joined forces, the former already being engaged in the drug line. In addition to carrying a large line of pure drugs and the better known patent and proprietary remedies, this is also a Nyal drug store. Wherever you find a Nyal store you will find a good one, for Nyal remedies are known from coast to coast as representing the highest degree of purity and efficiency in medical preparations for family use, toilet goods, etc. They have stood the most severe tests known to the medical professions and are widely endorsed as a household article in thousands of homes. Wigely Bros. are also headquarters for Eastman kodaks and supplies of all kinds, offering an up-to-date service in this line that is unsurpassed in the city. Next to selling quality goods and pre drugs, giving particular attention to compounding and filling orders, they have made superior service a large factor in catering to the trade of particular people who demand promptness and efficiency. An order over their phone, No. 38, is filled as carefully as if the buyer was present - no substitutions are ever made here - and goods are delivered anywhere in the city. There is no neater, cleaner or more attractive establishment in the city, and it is a popular place with hundreds of residents, for Wigely goods and Wigely service means a great deal. Messrs, Wigely are dependable business men who strive to please their customers and to do their part as good citizens in every matter that concerns the general welfare, giving their time and influence to the upbuilding and developing the resources of the town and county.

Chillicothe is the home of one of its important state institutions, the State Industrial Home for Girls, established and approved by an act of the legislature in 1887, when the sum of $50,000 was appropriated for, building purposes. On July 28, 1887, the commission named by the governor accepted $5,000.00 from the City of Chillicothe and located the institution here, under the proviso of the act, the management is on the cottage plan and in June of the following year the first cottage was completed and named "Marmaduke Cottage," in honor of Governor Marmaduke. Three more cottages have since been added and are called "Missouri Cottage," "Slack Cottage," and "Folk Cottage,". Besides these several other buildings have been erected, a school building and chapel combined, a large boiler house of sufficient capacity to furnish steam heat and power for all the buildings, and a new administration building, which cost $15,000.00, a beautiful piece of ground immediately fronting the three cottages having been purchased for this building. The group and campus is one of the show places of Chillicothe and kept in most attractive manner. The Industrial Home represents an investment by the state and city over $100,000. One thousand one hundred and fifty girls have entered the institution and 879 have left it for various reasons - good behavior, expiration of time, etc. There are at present 225 girls in the Home. Thirty-eight employees, in addition to the superintendent, are required to maintain and operate the Home. The monthly pay roll of this force of employees is $1,940.00, totaling $23,280.00 yearly This money is spent in Chillicothe with local shop keepers. The general supervision and government of the Home is vested in a board of control of five members appointed by the governor for a term of six years. F. W. Ashby and T. W. Hoge are Chillicothe members of the board. Mrs. Frank C. Ives, a woman of varied talents and an efficient business woman, is superintendent, receiving a salary of $150 per month. The girls are given every advantage in securing practical education and superior teachers in domestic science, sewing, music, industrial arts, and business courses are employed.

The Home is most carefully and efficiently managed and is a home in the truest sense of the word.

There is no more interesting chapter in the history of Livingston county than the record of its banks and this-county ranks with the best in the state. The state and national banks have experienced a natural and healthy growth that comes to a progressive community that is backed up by abundant resources. Two national and three state banks in Chillicothe have capital and surplus amounting to $555,000, while nearly a million and three-quarters in deposits attest the resources of the city institutions. The country banks also make an excellent showing as indicated by the following tabulated list.

Livingston county banking history dates back over sixty years and has been one unbroken record of progress during these years. A feature of the banks of the county is the fact that they are all home institutions with officers and directors, without exception, residents of the city or county. Very little foreign capital is in the bank here.

The surplus and capital of the entire county amounts to $838,000.00, with a commercial value of quite a sum over a million dollars. The total deposits of the county are nearly two and a half million dollars.

CHILLICOTHE: Cap. & Sur. Deposits.

Farmers & Merchants Bank..........$33,000 00 $102,546 50

First National Bank ................ 156,000 00 461,458 86

Peoples Trust Co., bank.............. 156,000 00 311,787 64

Citizens National Bank .............. 157,000 00 641,120 35

Chillicothe Trust Co., bank........... 59,000 00 167,694 12

$ 555,000 00 $1,684,607 47

COUNTY BANKS:

Mooresville Savings ................$18,000 00 $95,000 00

Citizens Bank, Avalon ............. 15,000 00 50,000 00

Bank of Utica, Utica ............... 10,000 00 40,000 00

Bank of Bedford, Bedford............ 11,000 00 27,000 00

Farmers & Traders, Dawn............ 20,000 00 50,000 00

First National, Ludlow ............. 30,000 00 86,000 00

Farmers National, Ludlow ........... 50,000 00 115,000 00

Peoples Exchange, Sturges ........ 14,000 00 50,000 00

Farmers & Merchants, Chula......... 21,000 00 90,000 00

Exchange Bank, Chula .............. 50,000 00 120,000 00

Farmers & Merchants, Wheeling....... 30,000 00 70,000

Citizens Bank of Wheeling ........... 14,000 00 46,000 00

Total in county................. $838,000 00 $2,472,607 00

A town or city is gauged by its banks. A comparison of financial statements from month to month and year to year gives an accurate index of the progress or retrogression of a community. This being true, the statement made by the Farmers & Merchants Bank, not only shows Chillicothe to be a growing city, but that the bank is also enjoying the same kind of prosperity, This bank began business in October, 1913, with four other financial houses already doing business, but it has proved itself a healthy and growing youngster in spite of handicaps that have been borne and overcome. The Farmers & Merchants Bank was organized by leading business men of the city who believed in a policy of progressiveness and liberality coupled with conservative methods and whose desire was to be of financial aid and benefit to the business interests of the community that were trying to build larger and better and to encourage the development of the county's resources to a larger extent. Naturally, reasonable profits for the shareholders was also an object. A year ago the total resources of this youngest of the city's banking houses was inconsiderable, today it shows resources in the sum of nearly $150,000. Organized with a capital stock of $80,000, it has already accumulated a permanent surplus fund of $2,500, and has deposits in the sum of almost $100,000. Loans on approved collateral are listed at $100,000. This is a most gratifying showing for a bank that has been doing business a little over two years. It represents the appreciation of the people of Chillicothe in up-to-date methods and a confidence in the ability and integrity of its officers and directors. Chris Boehner, president, is engaged extensively in farming add the meat business a citizen of means and influence; Geo. W. Hoge, vice president, is a member of the big lumber firm of Hoge Brothers; J. D. Brookshier, cashier is one of the best known bankers in the state, having been connected with the First National Bank for twenty five years; Seymour Wigely, director, is owner of a large retail drug establishment and Allen Moore, director, is proprietor of the Moore Brothers business College. The Farmers & Merchants Bank owns and occupies its own modern banking house on the east side of the square, where every facility and convenience is offered patrons and borrowers for the transaction of business, and it has come to be known as a bank of personal service and where the wage-earner is shown the same courtesy and consideration as the depositor with thousands.

Doing an extensive business in structural steel work for buildings and bridges, as well as having a plant equipped to handle anything in metal the Chillicothe Iron Co., occupying 13,200 square feet of ground space at the corner of Elm and Calhoun streets, has been a big item in the larger growth and development that the city has experienced in the past few years. It is continuing to be a factor, too, for the business of the company is reaching out into other counties and into other states. They furnished all the structural steel work for the big Snap hotel in Excelsior Springs and have now other large contracts under way for work in this and other towns The iron and steel work in the new Adams garage adjoining the new government building was furnished by them. In a building built expressly for the purpose, electrical machinery enables them to handle anything in metal from turning threads on a bolt to making, handling and erecting the most massive steel or iron bridge or building, or manufacturing the most complicated and delicate machinery. One of the products of this company is a concrete block-making machine which has met with large success and claimed by concrete block makers the superior of any make of machine on the market. Ability to handle the work has gained for them prestige in this line and employing the best draftsmen and engineers they are able to give intelligent estimates on cost and quantity of material in any proposed building, bridge or other structure. Estimates of cost are also gladly given for making anything desired out of metal, iron, steel, copper, etc., with drawings furnished when desired for articles to be patented or manufactured for sale. So gratifying has been the business of the company since it was organized four years ago, and so rapidly has the demand come for increased facilities, that it is contemplated to make enlargements in the near future.

C. T. Botsford, president of the company, is a thorough business man and with years of practical experience in this line of work; he is the active managerial head of the business. W. H. Ellett, treasurer, is president of the Peoples Trust Co., of Chillicothe; R. Warren Roberts, secretary, is an architect.

Do it the electrical way.

A recent addition to the business and industrial interests in Chillicothe is the Chillicothe Electric Company, located at 602 Jackson street, doing electrical work of all kinds, wiring, installing and carrying a large line of electrical appliances and apparatus. At the head of the company and its manager is F. C. McCalmont, an expert electrical engineer, who had charge of the electrical installation work in the Union Station at Kansas City, claimed by electrical men to be one of the most extensive and complicated pieces of electrical work in the United States. Mr. McCalmont spent two years in the station work there.. Realizing the advantages of Chillicothe and its rapid growth he opened the business here last November with a modern, efficient establishment prepared to give up-to-date service in everything that pertains to electrical work. The Chillicothe Electric Co. does everything from furnishing an electric globe to installing the most elaborate lighting and heating systems. They guarantee all the material used to be the very best made, also their work, and at prices that are reasonable, promptness in doing work entrusted to them or which they have contracted to do is a feature of the business, while emergency orders over their phone, No. 602, finds a man right on the job to look after it in a hurry. Mr. McCalmont is glad to help home owners and business owners to solve their electrical problems and willingly furnishes estimates of cost of putting in any kinds of fixtures or wiring. Prospective builders this spring will find it to their interest to secure estimates of work, and learn

the class of work done by this firm before making contracts elsewhere. They carry in stock at all times every kind of electrical device, lighting, heating and cooking supplies, things that are time and money savers and which may be seen and demonstrated at their salesroom, Mr. McCalmont is a progressive and enterprising young business man whose aim is to serve efficiently both his customers and the public and has already identified himself with the business and civic interests that are engaged in the most

laudable enterprise of making a bigger and better Chillicothe.

The Jackson University of Business is widely known as America's Ideal School

as a compromise between the standard business colleges and the institutions of higher learning It affords young men and women a combined classical and business education, which is the ideal preparation for twentieth-century living. The Jackson

University it in a class by itself. There isn't another institution like it anywhere in

the United States. If you want what the Jackson school has for sale you will have to

buy it in Chillicothe, as the Jackson University product cannot be duplicated or found

elsewhere. The subjects taught are Bookkeeping, Banking, Shorthand, Typewriting,

Penmanship, Letter Writing; Punctuation, Grammar, Spelling, Commercial Law, Commercial Arithmetic, Rapid Calculation, Advertising, Salesmanship, Business Philosophy, Character Development, Philosophy of History and Literature, Best Thoughts of Best Thinkers, Art of Making Friends, Dancing, Etymology, Parliamentary Law, and Civil Service.

The following are the Jackson University's undisputed point of superiority: 1. Finest quarters of any business college in Missouri. 2. Night School and Correspondence School free to day school students. 3. Classes arranged for studying shorthand and bookkeeping together. 4. The World's Desire Bureau is free to Jackson University students. 5. Free use of the typewriters any hour of the day and evening. 6. Strongest English Department of any of the business colleges in America. 7. Individual attention - haven't too many students. 8. Every student is given a square deal - management is sympathetic. 9. The Unabridged Ellis Bookkeeping is taught. 10. Dancing hall and dancing teacher. 11. The Jackson University graduates leave Chillicothe experienced stenographers and pass for experienced stenographers when they seek employment. 12. The Jackson University is physically, mentally, and morally clean.

The Jackson University of Business is in the lead in many directions. (a) It was the first school in the Mid-West to install the latest and most up-to-date banking system, viz: The Burroughs Ledger Posting and Statement Machine, a recent invention that is revolutionizing bank bookkeeping. Four of the five banks in Chillicothe have already installed the system of banking taught in the Jackson University of Business. (b) It is the only commercial school in the United States that has a dancing hall and a dancing teacher, (c) It is the only business college in Missouri that gives its students a combined classical and business education. (d) It is the only business college in the world that never expels nor suspends its students.

The Jackson University of Business was founded in 1898 and has been conducted under its present name since 1910. Mr. Walter Jackson, the president and manager, is a recognized thinker, philosopher, and teacher. He is one of the leading business educators of the Mid-West and, without doubt, conducts the most original and independent business college in existence. Mr. Jackson is thoroughly experienced in his line. He began as a public school teacher in 1896, and has since given his entire attention to educational work.

Reports from every section of the United States agree that the demand for stenographers and bookkeepers is now greater than thy supply The business world is calling for more young men and women now than at any other period since 1910. The demand will be still greater when the European war is over, as at least a million employees will leave the United States for Europe. Now is the time to begin to qualify for the greater future that is soon to open up to American young men and women. Every young person who is ambitious to improve his present condition should write at once to some high-grade business college for complete information. The Jackson University of Business publishes a great 104-page prospectus, which will be sent free to anybody who is thinking of attending a business college,

One of the big institutions that has grown up with Chillicothe and has had a share

in growth and development of the town and county is the City Mills, located on North

Washington street, where for nearly half a century they have served the people efficiently and well. Milbank flour has a reputation all over this section of the state for

being the best that could be made from the best wheat grown, milled under the most modern conditions. "Superior," "City Mills," and "Eagle Mills" brands are necessities in the household and are familiar names for they are standards of the highest

excellence and endorsed by every housewife and cook who uses them. " Famous,"

made from the best Kansas turkey wheat is another popular brand made by the Milbank mills. The City Mills have kept pace with the demand for quality products in

the installation of modern machinery, sanitary methods of manufacture and expert

knowledge that it takes to produce the best. A miller both by nature and training,

J. T. Milbank is an authority on flour and what it takes to produce the highest quality. The City Mills began business in the early sixties, when George Milbank, father

of the. present owner, began in a small way to turn wheat into flour and corn into

meal for the people of the community. Today the City Mills Plant is one of the largest and best equipped in northern-Missouri and does a volume of business that is of

wide extent. Always favoring the local farmer when wheat is produced, both as to

price and service they also buy largely in the best wheat markets and also handle all

kinds of mill feed, cotton, and linseed meal, alfalfa molasses feed. J. T. Milbank

owner and proprietor, is one of the influential citizens of Chillicothe, having been

identified with the city's earliest growth and has always taken an active part in public and civic matters as have proved to be for the welfare of the community. He is

vice-president of the First National Bank and a progressive business man who has

made the City Mills a valuable commercial asset of a fast growing city.

"Do it on time" has been the motto of many a successful business man. "Get there on time" is the motto of Ishmael & Allen, proprietors of the Bus, Baggage and Transfer Line, with offices at the corner of Washington and Webster streets, opposite the New

Leeper Hotel. With this concern, the only thing they have for sale is the service and the chiefest question that concerns the public is the quality of that service. It is a matter of record that ever since they established the business here about eleven years ago their whole aim has been the give the very best service at the least possible cost to patrons. That they have succeeded is shown in the volume of business done each month and the increased demand that comes from others who are learning to appreciate what promptness means. Ishmael & Allen have three expensive motor busses, the largest and best in northern Missouri, these cars as well as two fine taxicabs make all trains, night and day. They are kept clean and always in best of condition. The drivers of these busses and cars are something more than mere drivers - they are courteous, competent, and painstaking operators who are desirous of seeing the patrons pleased with the service. A call over phone No, 136 will bring a taxicab quickly to your door for any purpose. If you've a train to make, they are never late; The Baggage and Transfer Line is handled in the same efficient manner. If a business engagement is to be filled they are always on time. If it is to escort a friend to a party or theater they'll give plenty of time and to all outward appearances you will be riding in a private conveyance. This is the quality of service that S. W. Ishmael and P. F. Allen offers and at reasonable prices. They are among Chillicothe's best business men and have identified themselves with every movement for the best interest of the community.

Chillicothe for years has been known as an educational center. Its State Industrial Home, its St. Joseph's Academy, its Splendid High School, its big business College, all contribute to make it in this regard and among the cities of Missouri second only to Columbia, while the fame of its various institutions is by no means confined to the boundaries of its state. Especially may this be said with reference to the Chillicothe Business College.

Not only does Chillicothe's big school enjoy a phenomenal attendance (last year by actual count 1253 and this year with an attendance greater than ever, no doubt exceeding 1500 by the end of the school year, but its enrollment covers a very extensive territory. More than thirty states and two foreign countries contribute to it and some of these contribute in goodly numbers. For instance, Oklahoma sends more than 200 students yearly to Chillicothe for their business training, while Arkansas and Kansas do almost as well.

But not simply in the matter of attendance is the Chillicothe Business College big.

Consider its buildings. There are four of these, all built for school purposes and all located in a campus of several acres in the northwest part of the city. It is very unusual for a business college to own its home, and most unusual for it to own a school plant of such proportions as this one. In fact, the Chillicothe Business College enjoys the distinction of occupying the largest plant in America devoted exclusively to business education.

Those not familiar with the history of the institution may wonder how it came into possession of such big buildings. The institution was established in 1890 as a Normal School and continued as such for twenty years, when, because of the establishment of State Normals, the field became so restricted that it was decided to drop the normal work entirely and make of the institution strictly a business college. The change was a very wise one, for each year the attendance has increased, making it necessary in 1913 to add its fourth building, Dryden Hall, and the past fall to add a fourth floor to the main college building.

But a big attendance calls not only for big buildings, but likewise for big equipment and a big faculty. As for equipment, its typewriters alone represent no little investment. There are 160 of these distributed so the student may select his own style of machine. The latest Burroughs bookkeeping machine, two other adding machines, a score of stenotypes, the multigraph, extensive filing cabinets, etc., are all used for the instruction of the students. Through the courtesy of the Wabash R. R its regular railroad wire has been run through the Telegraph Department, thus giving the students the benefit of long line practice. The three dormitories are all modern, supplied not only with lavatories, baths, etc., but also with laundry rooms where the students may, if they desire, do all or a part of their laundry work. In the boarding department the college has its own bakery, modern in all respects, while the culinary department is so equipped as to care for its big patronage with the ease of a small boarding house The students are not required to board at the college, but a large per cent do. In fact, during the busier season last winter right at four hundred students took their meals at the college. This means twelve hundred meals a day. We will not go further into the discussion to try to say how many potatoes have to be peeled daily or how many biscuits have to be made.

As for the faculty, this numbers twenty-five, the majority of whom have been with the college a number of years. They are recognized at home and abroad as leaders in their line. Not only are most of them property owners in Chillicothe, but several of them are interested in local enterprises and are found at the front among the boosters for a bigger and better Chillicothe, as well as a bigger and better C. B. C.

The appropriations for various things about the schools must also necessarily be big. In talking with the editor, Mr. Moore indulged in a few figures. Of course, the two big items in the school's ledger are supplies for the boarding department and salaries, but such a usually considered small item as postage stamps calls for an expenditure of from $2,400.00 to $2500.00 per year, while the advertising account, in addition to the stamps, runs $8000.00 annually. In order to heat the building during the winter and provide fuel for the kitchen and bakery, an expenditure of from $1500.00 to $1800.00 for coal and other fuel items is required annually. Then there is the usual expense account, lights, water, repairs, odds and ends, etc., which, when four big buildings are considered, becomes quite an item.

The college means much to Chillicothe not only in the advertising it gives the city, in its literature, through its students and even in its name, Chillicothe Business College, but also in the money it brings to the city and pours into the channels of trade. In the first place, there is the expenditures of the college itself, then of its teachers, other employees and their families. Then there are quite a number of families about the college who take boarders and roomers and who are largely dependent upon the college for their living. The big buying power, though, is the student body. Many a suit of clothes, many a pair of shoes, many a movie ticket, many a purchase in almost every line is made, either directly or indirectly, by those in attendance at Chillicothe's big school.

Six departments are maintained, offering twelve courses: Auditing, Bookkeeping, Banking, Stenography Stenotypy, Court Reporting, Civil Service, Telegraphy, Pen Art, Salesmanship, Advertising, and Preparatory.

The time when all the business college graduate had to know was a little Shorthand and Typewriting, the uses of the ledger, journal, and cash book, a few of the rules for short cuts in rapid calculation and how to analyze and make the different letters and figures according to the Spencerian alphabet has passed. The business college in this day and age assumes quite a responsibility when a student enrolls. It must train him not only for a bookkeeping and stenographic position but so he can readily build himself into the business he enters, that he may develop into an employee of more responsibility and importance - a chief clerk, private secretary, auditor, head correspondent, salesmanager, advertising manager, superintendent of a department or even the head of the concern. The students in the Chillicothe Business College are therefore taught not only how to record various transactions, but also how to perform them. They deal with all kinds of. commercial papers, not only checks and notes and drafts, but leases, deeds, surety bonds, articles of incorporation, and bills of sale. In other words, they are trained in business by the laboratory or "learn by doing" method.

For example, in the commercial department which covers all the third floor of the main college building, is conducted a miniature business world. Three college banks with one correspondent bank, a well organized clearing house and several wholesale, retail, real estate, commission, and insurance offices are operated. In these are found blank books, mostly looseleaf system, adding and listing machines, filing cabinets hand check protectors. The students must serve in these offices - as week in each - each day getting a trial balance and, at the end of the week, a statement.

The students in banking are required to organize both state and national banks, even to soliciting and placing the stock, applying for a charter, organizing the board of directors and opening the books, paying strict attention

Chillicothe has over forty factories, all of them in a flourishing condition, some having recently increased their facilities and working forces from ten to twenty per cent.

The Crow Cigar Company, employing ten cigar makers,

Booth & Co., cigar factory, employing from four to eight people.

The Dahl Cigar Works, employing from three to six people.

Rutherford's Cigar Works, employing from three to six people.

The Jenkins Hay Rake & Stacker Co., manufacturers of farm machinery, employing from sixty to one hundred persons.

The Hamilton Glove Factory, giving employment to one hundred operators and making work gloves and mittens.

Swift & Company, employing sixty-five to one hundred persons in the manufacture of creamery butter and handling poultry and eggs.

Brownfield Bros., makers of candies, employing twelve persons.

The Chillicothe Gun Stock Mfg. Co., the largest plant of the kind in the world manufacturing walnut gun stocks and all kinds of wooden ware, employing eleven hundred buyers of timber throughout the middle states who buy and ship logs to Chillicothe where three hundred persons employed in the plant work it up into manufactured products.

The Chillicothe Bottling Works, manufacturers of carbonated waters and soft drinks, employing several persons.

Saale & Klein Bottling Works, employing six to ten persons.

American Candy Kitchen, making fine candles, and giving employment to six people.

Cooper's Candy Shop,. manufacturers of fine candies and ice cream, employing six to eight people.

The City Mills, manufacturers of high patent flour and corn meal, employing fifteen people.

Chillicothe Iron Company, manufacturers of structural iron and steel work giving employment to ten people.

Adams' Wholesale Grocer Co., jobbers and distributors, giving employment to twenty-five to thirty people.

Amos Uhlman, maker of implement handles, employing several persons.

H. J. Tanner, harness manufacturer, employing several persons.

Chillicothe Ice & Fuel Co., ice manufacturers, employing ten people.

Cement Stave Silo Co., manufacturers of silos, employing five people.

Keisters' Ladies Tailoring College, employing from ten to twenty persons,

James Markey, manufacturer of metal cornices, employing five persons.

Shale Hill Brick & Tile Co., manufacturers of all kinds of brick and tile, employing twenty to forty men.

City Light Plant, manufacturers of electric power and light, employing twenty to thirty people.

Scruby Elevator, manufacturer of mill and stock feed, employing five to eight people.

Campbell Concrete Works, manufacturers of vaults and other concrete works, employing from five to twenty men.

Joe Marsh, manufacturer of concrete blocks, employing from three to five men.

Cedar Moss Chemical Co., manufacturer of floor and carpet sweeping compounds, etc., employing from five to ten people.

Chillicothe Dairy Co., manufacturer of creamery butter and Ice Cream, employing five people.

People's Gas Co., manufacturers of gas, employing from six to ten people.

Palm's Eye Glass Works, manufacturer of all kinds of eye glasses, employing several people.

Chillicothe Dairy Co., manufacturer of creamery butter and Ice Cream, employing six people.

Adams Auto R Supply Co., jobbers and distributors of automobiles and auto supplies, employing eight to ten people.

Andrew's Broom Factory, manufacturer of brooms, employing five people.

Chillicothe Granite Works, manufacturers of monuments, employing five to eight people.

Hatcher Printing Co., manufacturer of catalogues and book binding, employing from six to ten people.

Tribune Printing Co., printer manufacturers, employing from ten to fifteen people.

Constitution Job Printers, manufacturers of all kinds of printing and press work, employing from ten to fifteen people.

Painter's Tin Works, manufacturer of cornice and roofing, employing from four to eight people.

Klein's Nu-Brite Cleaner, manufacturer of polishes for wood and metal, employing from five to eight people.

Isherwood Greenhouses, jobbers and wholesale nursery stock, employing six to ten people.

Morgan & Brookshier, manufacturers barber's supplies employ four people

This shows forty-three manufacturing concerns employing nearly 1,000 people engaged in the manufacturing industry alone, actual workers, wage-earners, and does not take into account the number of people employed in the work of public utilities as telephone, water works, electric light plant, municipal street work and various other lines. Most of the above is skilled labor and at an average wage of $10 per week means an annual workers' pay roll of $478,000 annually.

If there is any advantage in having "Made in Chillicothe, U.S.A." on the product of the Jenkins Hay Rake & Stacker Co., Chillicothe is getting g lot of valuable publicity throughout the country, for the implements manufactured by this concern are in use in every part of the United States where hay is grown and in foreign countries. Since the building of their immense plant here in 1907, the location at this point being determined from the fact that larger and better railroad facilities were offered, the scope of the business has developed to an almost world-wide extent. Chillicothe appreciates its coming here and the fact that its thirty to more than one hundred employees add to its dinner bucket brigade to a very considerable extent while the Jenkins company looks with favor on the efforts of the people to give it loyal support and to encourage the sale and distribution of rakes and stackers. M. R. Jenkins is the inventor and Patentee of the rake and stacker that bears his name, the original patent bearing the date of 1880. In 1889 Mr. Jenkins began in a small way the manufacture of his rake at Browning, Mo., his former home. It filled a big need and met with instantaneous approval and demand, so that better facilities were needed and the plant was moved here. The Jenkins Automatic Swinging Hay Stacker is just what its name implies. It does the work automatically without the aid of hired hands and is a time, labor, and money saver.

The plant, located at the southern city limits, covers an acre or more of ground on which there are modern buildings 150x225 feet, divided into factory rooms, assembling rooms, packing and shipping departments paint room, all supplied with necessary machinery for the making of rakes and stackers. The accompanying illustration gives a detailed view of the plant and its surroundings and a trip through the various departments in the season when they are busiest is of great educational value as well as source of wonderment at the magnitude of operations carried on.

With the coming to Chillicothe of the Jenkins company, demonstrating and giving publicity to the advantages offered producers and shippers from this point have come other factories that have added their quota to the city's industrial workers.

M. R. Jenkins, sole owner and proprietor of the business, has for years been a force in northern Missouri for the development of the country and a factor in the civic and commercial life in which he has lived.

The modern plant of the Chillicothe Ice & Fuel Co. is of more than passing consequence to the people of this city and section, because it affords us an absolute pure necessity of life. Pure ice is not a luxury; it is a necessity. In this connection we may term ourselves fortunate for the plant of The Chillicothe Ice & Fuel Co., manufacturers of pure distilled water, is one of the most up-to-date that, money and experience could possibly get together. The pure water from which the ice is manufactured is conveyed to immense open-air galvanized condensers at the top of a building. In fact, everything with which the water comes in contact is galvanized, a positive assurance of non-contamination. After the steam is condensed the water flows into what is known as a reboiler, where is it boiled and skimmed. Thence it is conveyed to tanks, and from that point is fed off into filters by the gravity of its own weight. From this point the water enters the storage tanks and thence to another filter before entering the freezing tanks which are surrounded with a net work of ammonia coil pipes. This tank or freezing course, has a daily capacity of 25 tons. The water is conveyed into several hundred cans on this floor, in each of which is frozen a block of ice of convenient size to handle.

The Chillicothe Ice & Fuel Co. daily receives well merited commendation upon the purity of its ice, the promptness of delivery and the general courteous treatment extended the public, and the reasonableness of price for which its product is sold. The plant, which is situated on the tracks of the. Burlington and Wabash railroads, gives employment to a number of men and is one of the prosperous concerns of the city. Since this company established its plant in 1909 it has developed a patronage that extends to all towns and villages within a trading radius of this city. The company is incorporated and has for its officers C. H. Hackney, president; Wm. Turner, vice-president; P. Coblentz, secretary-treasurer, and W. J. Wiley, manager. Mr. Wiley, the well known manager of this enterprising manufacturing establishment, has long been one of Chillicothe's representative citizens, a business man who is progressive to a degree, one who gives ungrudgingly of his aid in promoting the welfare of the community,

The demand for a higher standard of purity and quality in the thing's we eat has caused manufacturers and producers to introduce the most progressive ideas in an effort to secure the patronage of discriminating buyers. In no line is the demand for purity more firmly insisted on than in the manufacture of dairy products - cream, milk, butter, and ice cream. The Chillicothe Dairy Co., located at 705 Washington street, and of which S. T. Hatton and W. W. Wilson are owners, prides itself on making absolutely pure goods, the embodyment of wholesomeness and cleanliness. A visit to their place of business to see how carefully and thoroughly every detail of mixture and handling is looked after would convince the most skeptical, Chillicothe Dairy Co. buys only cream that shows the highest per cent of butter fat. Machinery for churning, freezing, testing, and filling was all installed with a view to the most perfect sanitation and everything is carefully guarded against impurities. In the cream he makes, none but pure cream and wholesome ingredients are used, resulting in a delicious, healthful, and appetizing product. The butter he makes is clean and pure, of the highest quality possible. In both products he has developed a large patronage because patrons have found them the superior of anything in this line. Chillicothe Dairy Co. handles oysters direct from the packers - fresh from the oyster beds to the consumer, and not through a jobber who may have had them on hand for days or weeks. The Chillicothe Dairy Co. serves customers daily with these goods. They pay cash for all cream brought to their place of business. Mr. Hatton embarked in the business for himself last May, after having had fourteen years experience. He was for four years employ of the creamery department for Swift & Co. Mr. Hatton and Mr. Wilson are progressive business men and reliable citizens and are building up a profitable business on quality goods and good service.

Science and health experts have revolutionized our method of living and years have been added to the span of human life through expert knowledge of things that were formerly worth little consideration. Science and health decreed the manner of corset to be worn and the expert corsetaire is proving a valuable adjunct. Wenzel's, the new ladies store in the Henrietta block, has the only graduate corsetaire in the city, an expert who thoroughly understands the needs of every individual figure and the kind

of corset best suited to give the desired results and to conserve health and comfort. It is an art that only a detailed knowledge of the human form and the various makes of corsets can give. The ladies of Chillicothe need worry no longer over their corset. problems, Wenzel's expert will solve them This most attractive store is also headquarters for the latest and best in corsets, handling the celebrated "Goodwin," "Madam Lyra," and "American Lady" makes, each made by a specialist in corsets and their adaptability to various figures Wenzel's is also headquarters for the latest

in millinery, the newest creations from the eastern fashion centers, exclusive designs in pattern hats, or their expert milliners will design and make headwear to please the most fastidious. A large line of ladies' furnishings has been added to the stock for the pleasure of the ladies of Chillicothe, all quality goods of the newest styles and the most reliable makes. The service offered at this store is the most up-to-date and exclusive in this part of the state, catering to the best class of trade, ladies who appreciate the highest class and quality of goods with a personal service in every department that makes shopping a pleasure and delight to please the most exacting and satisfy the most particular is the desire of Mr. Wenzel and he has left nothing undone, has spared no expense to provide a store with goods and service the equal of any to be found in the large cities. An invitation is extended to the ladies of Chillicothe to call and get acquainted and see the offerings in the various lines. You'll be welcome and courteously treated whether a purchase is made or not

To carry fire insurance to compensate for the loss of your home, barn, or other physical property, is good business, because the other fellow is carrying the risk for you, cheaper than you can afford to carry it yourself. In securing insurance on your property there is just one thing to make sure of - select a reliable agent, the reliable agent always has reliable companies in which to carry your risk.

H. C. Hoffman's suite of offices in the Chillicothe Trust Company's building is equipped with twenty different insurance companies' supplies; every one a company of the first rank. Mr. Hoffman makes a specialty of writing insurance. He does nothing else but give his undivided attention to insurance. Besides writing city property, of which he has a very large list of clients, he is equipped to write the very best lines of "Farm Policies" of any office in the state. He is prepared to write city, farm, wind, storm, lightening, plate glass, and boiler insurance. The latter two are written respectfully in exclusive Plate Glass and Boiler Companies. He carries a big volume of this business in both companies.

When ever a loss occurs that is covered by any of his companies Mr. Hoffman looks after the adjustment in co-operation with the adjusters, to see that a satisfactory settlement is made with that degree of promptness as the condition will permit.

Mr. Hoffman is now enjoying his sixteenth year of an ever-increasing insurance business; devoting his entire attention to it alone. During those years, it has been his established custom of absolute fair dealing with every policy holder, and his liberality with applicants for insurance has placed him in the front ranks of the Fire and Storm insurance business.

The principal thing that is desired in an automobile garage is service. The garage that furnishes the most up-to-date service generally secures the business. That is why the Chillicothe Motor Co., 441-43 Locust street, is taxed almost to capacity to care for the trade that comes there. The Chillicothe Motor Co. does a boarding and repair business and carries automobile accessories and is agent for Ford, Allen, and Chalmers cars, all leaders in the automobile world and demonstrated superior of all other makes. Mr. Norman and Mr. Murphy, the proprietors, are glad to demonstrate either at any time and deliveries are made when sales are made without waiting for a factory shipment. This garage is headquarters for the well known and dependable Firestone, Racine, and Republic tires that for service and mileage have few equals and are largely in demand by car owners everywhere. Klaxon horns, the acme of perfection in signal horns, together with oils of all kinds, all Ford parts and accessories, are to be had here. This

garage has a modern, up to-date steam vulcanizing plant where tires are vulcanized on short notice. A repair department with Power machinery having experienced auto mechanics in charge - men who know what to do and how to do it - offers owners superior service in this line and the charges are reasonable, which in itself is a big item. It does not cost a fortune to keep cars at Chillicothe Motor Co.'s garage, the expense being reduced to a minimum for the reason that boarding cars are looked after carefully and the things that would make expensive repairs necessary are corrected. Boarding cars are kept in good condition for use when wanted and are sent and called for - phone 769. Occupying a big, modern, fire-proof, cement-floored garage, there is the least danger from fire and accidents. Patrons of this concern are assured and guaranteed the very best to be had in automobile garage and repair service. A. E. Norman and C. E. Murphy, owners and proprietors, are young men, who recently purchased the business from I. F. Litton, making good to the extent of having about all that they can look after unless they make enlargements. Enterprising and progressive, they have taken a leading place among the automobile dealers in north Missouri and are public spirited citizens who like to boost for the things that will do Chillicothe and Livingston county the most good.

The jewelry business is different from almost any other line for the reason that the average person knows little of the value or quality of gold and silver articles and precious stones, his judgment in most cases being guided by the advice of the dealer, and he must first have confidence in his integrity and honesty to know that he is getting his money's worth. A. B. Macdonald is one of the reliable and leading jewelers of Chillicothe with a successful record of twenty years practical experience in the business and his reputation for honesty and fair dealing has never been questioned. At his place of business 609 Locust street Mr. Macdonald has not only provided one of the most attractive retail stores in the city, but carries a stock of quality goods in diamonds, jewelry, watches, silverware, art goods, cut-glass. A wide variety with exclusive patterns in various lines makes the matters of selection of gift articles or things of everyday use an easy matter. An optical service is a feature of the business and is under the personal supervision of Mr. Macdonald. This department makes a specialty of correcting defects in vision with lenses made after the most approved scientific formulaes. The watch and jewelry repair department is one of prompt service and efficient work. This department is in charge of C. F. Gier and Virgil Hunt. Courteous treatment, prompt service, and a careful attention to every possible want in his line, together with reasonable prices for the service, has given Mr. Macdonald a prestige and volume of trade that is most gratifying. His establishment is one of the progressive and up-to-date stores of Chillicothe and Mr. Macdonald himself is one of its dependable citizens. Always active in sharing burdens of a public and civic nature every ready, when any matter for the good of the town comes up.

Nothing is so important to one's success in life as neat appearance in dress. The person who is given the preference is the one who shows intelligence in appearance and neatness. The old saying that "a stitch in time saves nine" is a most economic slogan, for one to bear in mind when your wardrobe is receiving proper attention. Fred Cornue, about eight years ago seeing the possibilities of the tailoring business, resigned a lucrative position with the government to devote his time to the tailoring business, which he had been connected with for some time. After a few seasons of making clothes in the old "country town way" of hiring tailors that could not keep up with the fashions, as they chanced from season to season. Mr. Cornue took a course of draughting and cutting, in the Weidel school of St. Louis and the Mitchell school of tailoring, which is the foremost school of its kind in the world, after which he disposed with the making of clothes and contracted with the largest tailoring company in the United States to make up his woolens for him. The plan met with such success that Mr. Cornue was soon compelled to move Into larger quarters on the south side of the square, where he has by square dealings and looking after the interests of his customers, built up a reputation that is selling his clothes over north Missouri and brings cleaning and pressing from adjoining counties. His guarantee plan of selling clothes gives you an assurance of satisfaction because his suits must satisfy you or they are not taken from the store; but with his perfect system of taking measured and his practical experience in draughting, has eliminated the misfit proposition which hurt the country tailor and the shelf clothes merchant. Fred W. Cornue's business principles are summed up in quick sales, small profits and satisfied customers.

Serving the people of Chillicothe for thirty years in the capacity of tinner, protecting homes from all kinds of weather, making and erecting cornices, doing spouting and guttering, installing and repairing furnaces, J A. Markey, whose place of business is at the corner of Jackson and Elm streets, has attained a degree of proficiency and efficiency in his work that has left competitors far behind. Mr. Markey is equipped to do any kind of metal work, the latest and best metal working machinery being installed in his shop, from a pair of tin shears to the big machine that handles, cuts and moulds the heaviest sheets of galvanized iron. In all of his work Mr. Markey uses nothing but the highest grade of material and he guarantees everything he does. No fault can ever be found with his work and it never has to be done over. He secured the contract for all the metal and cornice work on the new Adams garage building and recently completed the metal work on the Chillicothe High School building and has under way extensive work on homes and other buildings in the city and country. Mr. Markey is exclusive agent here and handles the famous Wise Hot Air furnace, made at Akron, O. These furnaces have for years been recognized as the highest degree of perfection in heating plants and are found 1i homes and public buildings all over the country. They are simple, give satisfaction, and are reasonable in price. Mr. Markey is glad to show their working and give the cost of installing in any home, old or new. Builders of new homes this spring would do well to look into the merits of the Wise furnace before installing another make - it will mean money saved and greater satisfaction. In addition to doing high-class metal work of all kinds, a feature of the business has been good service and promptness, as work contracted for is always finished when promised and prices are as reasonable as are charged anywhere, service and workmanship considered. Mr. Markey has kept pace in his business with the growth of Chillicothe and is able to handle any kind of a contract, large or small, guarantees honest and efficient work, the best that skilled workmen can do.

To tell the story of the towns in Livingston county is largely a repetition of the story of progress, achievements, enterprise, and development which all are enjoying, for all of the smaller towns are good ones. Ludlow is one of the best - a town of some 600 people who are striving to forge ahead in all libel of business and in agriculture and live stock which are. among the chief interests at this section of the county. Ludlow has two strong banks, Farmers National with capital and surplus of $50,000 and deposits of $115,000; the First National of Ludlow with capital and surplus of $30,000 and deposits of $35,000.00 The commercial interests are well represented in all lines of business, the business buildings are modern and the merchants progressive. There are also good schools and churches, and the homes are modern and attractive. The business men and her citizens are progressive, just the kind you like to know. They: always have the latch-string on the outside for strangers and visitors. Beautiful farm homes surround the town and conditions for agriculture and live stock are ideal, land in the vicinity of Ludlow is in demand and at a premium brings high prices with the progress and push of its people. Ludlow is destined to have 1000 people within a year or two.

The R. Lee Lumber Company is one of Livingston county's largest institutions, but the name gives small idea of the extent of the business done, for in addition to selling lumber and maintaining four yards over the county, they are also dealers in everything in the line of building materials, extensive handlers of coal; implements, gasoline engines, silos, tractors, automobiles, separators, and incubators. It is safe to say that any piece of machinery of whatever nature, or any implement for the farm can be supplied from either one of their four- yards. The Ludlow house is headquarters with other yards at Dawn, Mooresville, and Chillicothe. So closely allied has been the interests of the lumberman, contractor and the farmer that the former has a more thorough and detailed knowledge of the needs and requirements of the two latter, consequently the progressive lumber dealer not only furnishes the contractor and the farmer the lumber and building material for his houses and barns and silos, but also his farm implements and machinery of every description. The Chillicothe house does not handle lumber but specializes in farm machinery and farm seeds, carrying implements, buggies, wagons, gas engines, farm seeds, silos, cream separators, incubators, lubricating oils, stock remedies, time and labor saving devices, etc. Every article purchased from the Lee Lumber Company is guaranteed, for they handle nothing but goods of known merit and reliability, such as the famous John Deere and International implements. Velie wrought iron vehicles, Sherwin Williams paints, DeLaval cream separators, etc. They are also exclusive dealers in coal and handle the Pennsylvania hard coal and Iowa and Illinois best soft coals. Orders for any quantity are promptly filled with correct weight. Farmers will find this concern handles the best of farm seeds. There is no need of an inadequate crop when the advice of a reliable dealer is taken and the selection of pure bred seeds are purchased, such as the Lee company handles. This company has been one of the factors in bringing the farmer to a more accurate science and a larger development of the agricultural resources of the county. The R. Lee Lumber Company is incorporated with R. J. Lee, president, is also president of the Farmers National Bank of Ludlow. W. R. Lee, vice-president of the First National Bank of Braymer, Missouri. T. R. Lee is an extensive farmer near Ludlow and a director in the concern. Elmer A. Dusenberry has for the past twelve years been the efficient manager of the home offices at Ludlow. The volume of business done by the company is largely due to his able management. The yards at Dawn are managed by J. R. Edwards, who for 6 years has proven his ability to handle a large volume of business; he is a young man of progressive ideas and has made his company an asset to Dawn and a great worth to the farmer and contractor. He is ever ready to assist in furnishing estimates and advice to help solve the building problem. The large and extensive yard at Mooresville is operated and conducted by G. M. Foreman, who has been connected with the concern for the past eighteen years; he is a stockholder in the corporation and has taken an active interest in the development and growth of the business. His estimates and advice in all building matters has been valuable to the farmer and builder. The Chillicothe house has been under the direct management of D. F. Rowlett for the past six years. The farmer has found the Chillicothe house an efficient aid to farm management and operation, Mr. Rowlett being an adept at helping them solve their problems along these lines of scientific farming.

The average county merchant has been slow to appreciate the fact that his patrons and the people he serves like to do business with the same facility and the same attention paid to their demand for quality goods and good service that their city friends receive from the city merchants. The establishment who can meet these present-day demands gets the business. No better example of this than is found in the general merchandise establishment of J. K. Rusler & Son at Ludlow whose attractive store, systematic manner of doing business, the large stocks of quality goods and prompt and courteous service has made them a leader in retail merchandising in Livingston county. The accompanying picture gives some idea of the interior of this, one of the largest stores in the county. Occupying a modern brick building with a frontage of 60 feet by 120 deep, the fixtures are of oak, the entire floor surrounded by a balcony, fitted for the comfort and convenience of patrons. A cement floored store room keeps perishable goods fresh and the latest devices for handling cream are installed, besides a private lighting plant. A metal floored department for flour keeps it free from mice and clean and sanitary. Mr Rusler carries one of the largest stocks of high class goods in the county, as indicated by the following items:

Clyde's Best, a Kansas hard wheat flour of universal popularity and guaranteed.

Diamond A. Heinz, Van Camp's and other well known brands of cannery goods pure and wholesome.

Hamilton-Brown shoes, than which there are none better made and are leaders everywhere.

Stetson & Jones hats that have for years stood on their merits.

Motter & Wheeler work shirts and overalls for men.

Dry goods, and notions from, the best known factories.

Queensware from potteries that produce the most serviceable goods known.

It is no trouble to get service at Rusler's, for everything is done according to a system and order - everything has its place - goods are kept fresh and clean, in fact, cleanliness and good order at once impress the visitor the courteous manner and carefulness with which each person is served. Through these methods Mr. Rusler has made it as easy for a child to trade there as a grown person. A new Bowser gasoline pump delivers gasoline at the curb to autoists and other users. Every modern idea for efficiency that would please his customers has been introduced and the volume of business done covers a wide trade territory. Mr. Rusler is assisted in the business by his son, R. K. Rusler, a progressive young business man. Four years ago Mr. Rusler, who had formerly liver at Avalon and was a large stock dealer and business man purchased the business and turned his efforts to giving the people of Ludlow and surrounding country a general merchandise service second to none. Coming of thrifty old Pennsylvania stock, for he was born in that state, Mr. Rusler has made his store one of the real assets of Ludlow and himself has taken no small part in helping foster and develop the rich agricultural and live stock region above here and is a public spirited citizen of worth and influence.

Keeping pace with Chillicothe's rapid growth and meeting the demands of the people for the most up-to-date plumbing and heating, service the Klein Plumbing & Heating Co., with offices, salesroom, and shop at the corner of Elm and Jackson streets, is a leader in this business and fills every requirement of a modern growing city. This concern caters to the wants of people who will have nothing but the best, high-class goods and high-class world, consequently their goods are of the best known makes. Standard porcelain ware for every purpose, bath and toilet, art brass goods and accessories, sanitary appliances of all kinds, together with a full line of all sizes of piping and appliances constitutes one of the most complete stocks in the city. This company makes a specialty of installing hot water and steam heating plants, handling only the best makes of furnaces, including the American Radiation Company's furnaces and hot water boilers. They are also agents for the famous Humphrey Automatic Gas Hot Water Heater, the best and most economical made. Nothing in the line of plumbing and heating but what they do and they guarantee all their work. Promptness and dependability are features that have made them popular and work given to them is always finished on time. Emergency jobs are looked after just as promptly and a phone call, No. 621, will bring a skilled workman in the shortest possible time. The Klein company has and is doing work all over the county, making a specialty of installing heating and water plants in private country homes. They are always ready to figure with

home builders and help solve perplexing water and heating problems. No contract is too large for them to handle and none so small that does not have the most careful attention. Home builders in Chillicothe and surrounding country who are desirous of getting the best kind of service and the right kind of heating and water systems would do well to consult this firm before letting contracts, Their ability to handle thy work promptly and in the most efficient manner will mean a saving to them. J. Bernard Klein; owner and manager of the business, is a hustling and progressive young business man who is ever alert to serve his patrons and the public better. Starting business here six years ago he has maintained high standards of workmanship and has made his place a valuable commercial asset of the city besides being a participant in everything that seemed to be for the general welfare of the town and community.

There is not a town or community in the United States, but that is rated through its financial institutions. The banks are the channel through which the business flows, the clearing house for the commercial transactions of its business houses and always an accurate index to the character of its merchants and the volume of business done. The Farmer's National Bank of Ludlow is one of the pioneer institutions of Livingston county and one of the most modernly conducted. Its growth in twenty seven years is a reflection of the development of the town and county in which is has been a leading factor. Originally the Farmers Bank, it later secured a charter as a national bank, assuring further protection for its customers and a broader scope in which to operate. Its officers and directors, financially and morally responsible representative business men are all residents of Ludlow. R. Lee, president, is also president of the R. Lee Lumber. Co, one of the county's largest institutions; A. S. Dean, vice president, is a retired merchant and an influential citizen; J. O. Dusenberry, cashier, his been connected with the institution since its inception and is one of the county's best known bankers; A. J. Reidel, assistant cashier, is a thorough banker and progressive business man.

Organized in 1889 the Farmers National Bank has now a capital and surplus fund of $50,000, with aggregate deposits of $115,000. It is a member of the Federal Reserve Bank and also of the American State bankers associations. Owning its own handsome modern banking house, it offers depositors and borrowers every possible facility for the efficient transaction of business. The Farmers National Bank hag helped the farmers and live stock men of this section over some hard places in years past and has made itself a real business aid and help in developing the rich agricultural and live stock section hereabout and in fostering these important industries.

One of the businesses in Ludlow that is always to be found doing everything honorable to get legitimate business, is the Ludlow Grain and Elevator Company. This elevator has a capacity of 6,000 bushels, and is equipped with all modern machinery for the loading or unloading of cars on the switch. This elevator was erected in 1912. Elmer a Dusenberry is the owner, who is well known in Livingston County. He is secretary and treasurer and manager of The R. Lee Lumber Company's yards at Ludlow, a concern that operates four yards in the county, also a director in The Farmers' National Bank at Ludlow, and is well and favorably known as an upright and dependable citizen. His elevator and grain business is managed by W. A. Vanstone, who belongs to that class of broadminded representative American citizens who, while promoting individual success also advances the general prosperity of all those who come in contact with his business dealings, be it directly or indirectly connected with the buying or selling of grains. He is well known to the farmers in this vicinity, as he was formerly a farmer himself This concern is an advantage to Ludlow and her thrifty farmers who market their products here. It has been a benefit (though perhaps not fully realized) to the merchants of Ludlow on account of the fact that it has made a market that has brought to the town thousands of dollars in trade that was formerly being hauled to the surrounding towns, its career has been satisfactory and more than the owner ever dared hope for at the start, and is now in a healthy and prosperous condition. The Ludlow Grain and Elevator Company buys and sells grain in carload lots or any quantity desired, also sell all kinds of feed, bran shorts and oil meal. They are one concern that always pays the highest cash market price. They carry a large supply of corn on hand the P year around, so the farmer can always depend upon being able to buy corn, when in need.

One of the oldest business firms in Ludlow, and one that has been identified with the growth and development of the town for fifteen years is Snider Bros., dealers in groceries and provisions. This firm has enjoyed a reputation for quality goods, fair dealing and reasonable prices that has given them considerable prestige in retail merchandising, resulting, in their doing a volume of business that extends over a wide trade territory. They handle large quantities of flour, selling the famous Zephyr brand that has for years met the approval of the best cooks and good housewives. No higher praise could be given any flour. Diamond A and Frontier brands of canned goods are their leaders, known all over the country for purity and wholesomeness. Hams and cured meats, lard and meat products and provisions from Armour, Swift and other well known packers are also handled. Snider Bros. buy and sell all kinds of provisions and can fill any order from either buyer or seller. They have made service a factor in building up a dependable business and promptness in looking after the wants of their customers and keeping what they are most in need of brings them a large country patronage.

The banking business, unlike other lines, takes a long time to get established. Merchandising may be put on a profitable and solid basis in a short time but the banker has to convince of ability to handle other people's money advantageously and with security. In this regard the First National Bank of Ludlow has had an unusual record, for starting in business ten years ago, it has within that short space of time become a fixture in the financial and business life of Ludlow and the community which it serves and has proved its right to the confidence and patronage of the people. The First National Banks was organized in 1905 and has already accumulated a surplus fund of $5,000 in addition to its capital stock of $25,000 with deposits aggregating between $35,000 and $40,000. Few small town banks can show such a healthy growth within such a short space of time. It has been partly due to the character of the men who have officered it and given their best efforts to helping develop and build up the live stock and agricultural interests of the country and to taking an active interest in furthering every effort of the community for better things. Scott Miller, president, is a prominent land owner and stockman of Livingston county; Perry Borders, vice-president, is an extensive dealer in cattle and hogs and a well known citizen; J. S. Borders, cashier, is a progressive banker and dependable business man, well known throughout the county; Carl M. Goil, asst. cashier, is a young man ever alert in the interest of the bank's patrons. The First National Bank is a member of the Federal Reserve Bank and also of the American and Missouri bankers associations. Every courtesy and convenience is shown customers and borrowers and the depositor with a small account is given as much consideration as the one with thousands to his credit. New accounts are solicited and every facility extended consistent with good banking methods.

The business men of Ludlow take an unusual pride in progressive methods and keeping attractive stores and first-class stocks of goods and are making the town an important trading and shipping point. Foremost among them is the hardware establishment of J. D. Wells, a modern store in every sense of the word, with a large and complete stock of high-class goods. Mr. Wells is one of the pioneer business men of Ludlow and until two years ago when he purchased the hardware business he now conducts, was engaged in the general merchandise line for twenty years and has an extensive acquaintance throughout the county with a reputation for fair dealing and dependability that has won him many customers. In addition to a very large stock of shelf hardware, garden tools and implements, enameled ware, kitchen needs, etc., he is exclusive agent for, and sells the famous Cole's Hot Blast heaters and ranges, the acme of perfection in stoves, guaranteed to give perfect service and satisfaction. Mr. WelIs understands the art of pleasing his customers with both goods and service and uses every progressive idea in his effort to maintain the highest standards, His store is connected with the big dry goods and general store of J. K. Rustler & Son, giving his patrons the advantage of doing all their trading under one roof. If it is anything in the hardware line, it can be supplied from his stock, or it will be ordered in the shortest possible time direct from the maker. Mr. Wells takes pleasure in helping to promote the best interests of the town in which he lives.

There is nothing more pleasing to the grocer-shopper than to step into a neat, clean, modern kept grocery; one where the stock is kept clean and well arranged. Such store always attracts attention and people like to trade at a store that has the appearance of enterprise, cleanliness and alert clerks, they know they will get courteous and prompt service. J. T. England & Son has always had the reputation of running a grocery and meat market of this kind. "Tom" England was raised in Chillicothe, but his large experience in business has taken him to many other cities where he was a close observers of progressive, business methods and customs. With a natural taste for uniqueness, personally as well as with the arrangement of his place of business, coupled with his keen attention to business matters, the firm of J. T. England & Son is known as one of the leading markets of the city "The England" grocery has been known to the Chillicothe trade for over twenty years. Courteous treatment and the very best lines of goods has been the policy of the firm. The business has gradually increased from year to year, and today has the distinction of being at the head of the retail grocery, and meat markets of the city. All meats offered in this establishment are none other than "U. S. Inspected," so that the buyer of meats is assured of getting, the very best the American market affords. In smoked meats, the very choicest of breads are carried, and the sweet odor of the smoked meat department as you enter, is a strong testimony of this statement.

In the grocery department, will be noticed too, the very ultra of fancy brands, the best known to the American market. "England's" is the name familiar to every household for staple and fancy groceries. Here will be noticed such famous brands as F. F. O. G., Redinour-Baker, Heinz's famous fifty-seven varieties, Curtis Brothers and Blue Label and many other of the leading lines. It is a pleasure to be able to make a selection from the various lines carried in the England stock.

Mr. England & Son were among the first to advocate a "Merchants' Delivery" system in this city, a system of economic and special dispatch of groceries from the "telephone order" to the culinary department of the household. His efforts in this enterprise earned for him the presidency of the Merchants' Delivery Association. He also holds the same office with the Merchants' Credit Association.

Wheeling is located on the eastern side of Livingston county. It is surrounded by one of the greatest agricultural sections of Missouri. The soil is rich and productive and every fruit, grain and vegetable that is grown in the temperate zone is raised here in abundance. To its pure water, excellent natural drainage and admirable sanitary conditions may be attributed in a large degree, the city's extreme healthfulness. Wheeling is on the C. B. & Q. R. R., making it an admirable shipping point. A walk through the business center of the city will soon convince even a stranger, that Wheeling is a town of business and progress and that her merchants are alive to the wants and needs of its people. Wheeling has two good banks with deposits aggregating $160,000, five general merchandise stores that would do credit to a town of 10,000 population, one drug store, one lumber yard, one grocery and lunch room, one elevator, one electrical shop, one garage, one meat market, two real estate offices, one poultry house, one undertaker, two high-class hardware and implement houses. 1 livery stable, two barber shops, one hotel and one blacksmith shop. Wheeling has three fine churches and the best schools, and one airdome. The town of Wheeling is not incorporated, all public improvements are built by subscription, each giving what they can afford and judging from the many improvements already, in many miles of concrete side walks, electric lights, fine parks, etc., it evidence of the progressiveness of her people.

Fraternal organizations are represented in the Masonic Order, Woodmen, I. O. O. F., Odd Fellows, Rebeccah, Eastern Star and the Royal Neighbors. This is a beautiful residence town. Many fine homes with large grounds, well kept, denotes the thrift and enterprise of her inhabitants. Wheeling is a big stock shipping point and there are a number of breeders of fine cattle in this section. The writer would advise home-seekers when visiting this part of the county to visit and investigate the wonderful advantages and opportunities offered by Wheeling and the rich agricultural and live stock industry around Wheeling.

No correct history of the financial interest of Livingston county might be written without mention of the Farmers & Merchants bank of Wheeling, for eighteen years one of its solid and progressive banking institutions. Its growth and progress reflects the growth and progress of the town and county in a most gratifying manner. It has been one of the important units in developing and fostering the live stock and agricultural interest of this section and a real business asset for commercial and industrial expansion. The Farmers & Merchants Bank was organized in 1898 by home people, backed by home capital and remains today in the hands of home people, its officers and directors being well known and influential business men and stockmen. Starting with a capital stock of $12,500.00 there has accumulated a surplus and profit fund of $16,543.24 while deposits aggregate $73,041.44. With the officers of the Farmers and Merchants Bank it has meant that every facility and every convenience is placed at the disposal of customers, that personal service has enabled them to solve financial problems without loss and in the most satisfactory manner, with the result that the Farmers & Merchants Bank is conducted on a broad and liberal policy, yet with a solid conservative as will best conserve the interest of its patrons and stockholders. H. S. Smiley, president is one of the best known business men of Wheeling and an influential citizen; W. A. Swope, vice president is Wheeling's loading physician; R. A. Tharp, cashier has been connected with the institution since the first, being one of the organizers. He is a thorough banker and business man and active in the interest of larger growth and civic betterment; H. W. Shiflet, assistant cashier, is a progressive young business man who is always alert in the interest of the bank's patrons. The Farmers & Merchants Bank is a member of the State Bankers Association, and occupies its own modern, well equipped bank building. Courteous treatment and personal service, together with every up-to-date facility for transacting business is offered and new accounts are solicited.

Twenty-five years ago when Smileys first established their business in Wheeling, their stock was no greater than you will find in other small city stores of similar character. However, the ambitious nature, the desire to please customers and the progressiveness of the owners was widely different in character and their business soon began to flourish and grow, and today it has the distinction of being one of the largest establishments of its kind in Livingston county. Under the ingenious and victorious management of Mr. H. S. Smiley and his son the business grew with rapid strides. New and better lines of goods were added and increased floor space was leased to display the larger stock. With untiring energy and intelligent application of modern methods they have built up a business that is second to none in the county. Long ago this firm realized that most people knew just what they wanted when they came to the store to buy, they knew they wanted the best to be had at correspondingly reasonable prices and a large part of their success lies in the fact that they catered to their needs and desires by giving them the best of everything. Among H. S. Smiley & Son's stock you will find the names of manufacturers who are famed from coast to coast for the reliability of goods they make, and for their quality and durability. As an index to the standard grades of goods handled we herewith give the names of a few of the most prominent lines. In hardware Keen Kutter is their trade mark, the Tenk Hardware Company's goods of Quincy, Illinois, are carried in stock. Chevrolet automobiles, J. I. Case and Emerson farm implements, Shutler and Old Hickory wagons, L. Burg buggies, Oliver Plow Company's implements and innumerable other articles of national reputation. Builders' hardware, tools and shelf hardware handled. Furniture of every description, carpets, rugs, linoleum, lace curtains and draperies as well as all kinds of household utensils are found among this large stock. One of the principal departments of this store is the heating, plumbing, tin and sheet metal works, where all kinds of roofing, guttering and hot air heating system are installed to by able and skillful mechanics. The show rooms and ware houses cover over twenty thousand feet of floor space and no room is wasted. Everything is displayed to the greatest advantage in patrons by H. S. Smiley & Son and their clerks stand out prominently as one of the greatest assets in the success of the establishment. Extreme courtesy is shown to every customer, whether the purchase be large or small. Everyone receives the same conscientious treatment and attention. If you want to buy hardware, implements, furniture, carpets, stoves or household articles, go to H. S. Smiley & Son's Wheeling. You will get what you want; you will get it at the right price and you will be treated with the utmost courtesy.

One of the largest and most complete as well as the most efficiently conducted establishments in eastern Livingston county is the big general store of Tharp, Littrell & Co. at Wheeling, owned and operated by F. S. Littrell, R. A. Tharp, and H. W. Shiflet, all energetic business men and reliable citizens. Ten years ago they started in business here and have since set a high standard of merchandising that has brought them a large volume of business that reaches out in every direction into the surrounding country. First of all, Tharp, Littrell & Co. carry nothing but quality goods, the kind that is nationally known and called for because of purity and service-giving qualities. There might be mentioned a few lines of their stock as follows, showing quality: Hamilton-Brown shoes that are a staple article everywhere; Frontier brand of canned goods, a standard of excellence always; the incomparable Zephyr flour, the former the product of the Bowersock Mill & Power Co. at Lawrence, Kansas, their stock of seeds and feed is one of immense size. To house this very large stock it requires 12,000 square feet of floor space. Dry goods from the best markets in the United States; Stetson hats, leaders the world over. Tharp, Littrell & Co. cater to particular people, both in quality goods and service, and orders for anything in their stock is filled with just what is ordered, no matter whether the buyer is present or whether it is ordered over the phone, 21. they handle large quantities of country produce, butter and eggs, and the housewife can always find these things fresh here, the farmer getting dollar for dollar in merchandise for them. Their store is an attractive one and is kept clean and goods arranged in order for careful buying with courteous clerks to see that every want is filled and every facility offered. The prices here are no more than is often paid for inferior goods, and if they are not satisfactory, they will be made so, or the money returned. Messrs, Tharp, Littrell & Co. are progressive and up-to-date business men who do business right and want to have satisfied customers, and their store has helped to make Wheeling a good shopping and trading point. They are also town builders and boosters for the things that will benefit the people for their town and community and are always ready to lend a hand in every effort of this nature.

Of the several merchandise establishments in Wheeling, and one of the most popular and efficiently conducted, is that of F. H. Bassett. This store has for three years catered to the trade of the people who demand particular merchandise, quality goods and better service. that they have found it in the service offered by Mr. Bassett is attested by the large volume of business done annually, and which has shown a gratifying increase each year, for the standards set have always been maintained, quality upheld and service bettered. Mr. Bassett handles a choice line of hardware from the Wyeth Hardware Company, of St. Joseph, and the Diamond Edge Queensware, Copper Clad Ranges, and Buck Ranges and Heaters. This concern makes a specialty of I. H. C., Hays, Rock Island and Janesville implements, Studebaker and Moline wagons, Regal automobiles, and a line of Farm Home Paint, the kind that has stood the test of service and dependability. One of the largest departments of this establishment is the harness manufacturing department, where he makes all the harness he sells necessary machinery being installed for doing efficient work in which none but the very best grades of leather is used. Bassett's harness wears and gives satisfaction. Promptness is filling orders and getting repair work done on time has been a feature of his business. He also carries a large stock of everything needed for a horse: collars, whips, robes, blankets, harness oil, combs, etc., and at a price that is as low as the lowest. Mr. Bassett has made his store a real business asset of the town and has also been, during the three years of his business connections, one of Wheeling's most enterprising and progressive business men and public spirited citizen's, always ready to enlist with his time and influence in any project that was for the general good of the town and community.

The banking history of Livingston county is an interesting chapter of its progress, which has hardly begun and is an indicator of the wonderful richness and resources of this section of the county. The growth and stability of some of the banking institutions have been remarkable and gratifying. Two years ago the Citizens Bank of Wheeling entered the banking field, and with another institution long established, has shown such progress as only a healthy, growing youngster can show, for in point of years it is a young concern. Organized with a capital stock of $12,500.00, the Citizens Bank now has undivided profits of over $1,312.00; its deposits aggregate $46,220.34, and loans outstanding on unquestioned security in the sum of $41,630,00, a most interesting growth. The Citizens Bank is backed by home capital, owned and officered by home people and is a local home institution in every sense of the word. As an institution it set out, not only to make money for the shareholders and pay regular dividends - which, by the way it has always done - but has undertaken on a broad and liberal policy to be of real value in building up, and developing the rich agricultural and live stock country about Wheeling and to aid the farmer and stockman in carrying on a larger legitimate business. It has always stood for Wheeling and the best interest of the people and is a factor in the town's growth.

Luther Boone, president, is one of the best known business men in Wheeling; David Sensenich, vice-president, is the owner of a large lumber yard; J. S. Waydelich, cashier, is a farmer. The board of directors are A. J. Buster, chairman of the board and is a real estate dealer, L. Boone, David Sensenich, Joe Hill, M. A. Kinsella, Ed Beat and J. L. Walkup. The four latter gentlemen of the board, including the cashier, are prominent farmers near Wheeling. The Citizens Bank owns its modern building, is a member of the State Bankers' Association and worthy the extended confidence of their constantly increasing list of borrowers and depositors. They offer every facility and convenience consistent with good banking methods.

The qualities that build up any business are enterprise, stick-to-it-iveness, honest methods and hustle. These are the qualities that A. E. Beckwith a progressive young business man has brought into use in establishing a large general merchandise business in Wheeling, where he has one of the largest and best appointed establishments in the county. Mr. Beckwith, November 1st, 1915, entered this business and has been devoting his energies to pleasing particular people with particular merchandise. As an evidence of this may be mentioned the following items of quality goods: F. F. O. G., 4B, Wishbone, R. W. B., also a line of the Adams Wholesale Grocery Co. goods of Chillicothe. These are canned goods of known purity and excellence; Red Top flour, for which he is exclusive agent, a high patent and guaranteed product. These are just a few items but serve to show the class of goods carried. In fair treatment and prompt service, Mr. Beckwith has made it a point to excel, and no matter whether a customer buys in person or orders over the phone 32, the order is carefully filled with the goods desired. An attractive store, where goods look fresh and stocks are kept in excellent shape, proves a big drawing card for particular people who like progressive methods and efficiency. Mr. Beckwith is ably assisted in looking after the trade by a lady, who personally attends the wants of the ladies and children in dry goods, shoes and notions. Mr. Beckwith has set a high standard of retail merchandising that is bringing a well merited patronage which shows a healthy increase from month to month as his methods and quality of goods become known. Alert to serve his customers efficiently, he also appreciates the prestige that activity in civic and community matters bring and is always ready to do his part in any effort that is made to build up and develop the resources of the town and county.

That Livingston county is one of the richest and most productive in the state is reflected in the banks and financial institutions, of which each of the smaller towns in the county boast of one or more flourishing financial houses. Of these the Peoples Exchange Bank of Sturges is one of the growing banks, also one of the most solid and ably conducted, having been since its organization ten years ago a potent factor in helping to develop the agricultural, live stock and other abundant resources of this part of the county, lending its aid where necessary if any legitimate venture that assured good returns, both for stockholders and for the community in general. The Peoples Exchange Bank occupies its own modern, brick banking house, equipped with every convenience for both officers and its customers and depositors. C. N. Boorn, president, is a well known merchant of the county, with one of the largest mercantile establishments in northern Missouri located at Sturges; J. K. Steen, vice-president; Wm. Beal, cashier, is a thorough banker and business man, active in aiding development of the town and county. Directors are C. N. Boorn, C. B. Williams, J. K. Steen, Chas. Kappus, L. A. Martin, Julian Thompson, S. J. Humphrey, Herman Metzner, and R. R. McKenzie. All are prominent farmers and stock raisers of Livingston county. The Peoples Exchange Bank was organized in 1906, with a capital stock of $10,000.00 now has a surplus fund of $3,000 and with deposits that aggregate over $50,000.00 undivided profits of $1,255.00. The Peoples Exchange Bank has made a record of which any institution might be proud since it began business. Mr. Beal, the cashier, has the agency for several of the leading fire, wind and tornado insurance companies, and the bank offers unexcelled facilities for the transaction of all kinds of legitimate banking business and solicits the accounts of farmers, stockmen and business men, assuring them of the most courteous treatment and assistance in their dealings.

The C. N. Boorn general merchandise establishment in Sturges is one of the most popular and efficiently conducted establishments in Livingston county. This store has for twenty-seven years catered to the trade of people who demand particular merchandise, quality goods and better service. That they have found it in the service offered by Mr. Boorn is attested by the large volume of business done annually, and which has shown a gratifying increase each year, for the standards set have always been maintained, quality upheld and service bettered. Mr. Boorn handles a choice line of canned goods that are known for purity and wholesomeness, such as Heinz, Van Camp's, Libby's and others; the famous Zephyr flour, so much in demand by housewives, is a leader; Hamilton-Brown shoes, the kind that have stood the test of service and dependability; dry goods, clothing and notions from well known makers of these goods; Stetson hats, found in every first class store, indicate the high quality of merchandise carried. Mr. Boorn handles country produce and his customers can always find fresh butter and eggs here, and the farmer can always get dollar for dollar in merchandise in exchange for them. Cleanliness and orderly and fresh stock of goods, carefully, and courteous treatment with orders, whether by phone or in person, are filled with exactly what is ordered-no substitutions are made. Mr. Boorn has made his store a real business asset of the town. Besides groceries and dry goods, he carries a large stock of lumber, hardware, implements, buggies and wagons. In fact, it would be difficult to name anything not carried in his large stock. Mr. Boorn came to this county from Wisconsin come forty years ago, and from a small beginning has, by hard labor and close application to business, accumulated until today it requires 12,000 square feet of floor space to house this immense stock. Mr. Boorn is also owner of much Livingston county farm land and is president of the Peoples Exchange Bank of Sturges.

Three years ago this July W. J. Creason opened a grocery store at the corner of Madison and Henry streets. The fact that Mr. Creason went into business there meant a lot to the people of that section of the city, for he is one of the best known men in Chillicothe and Livingston county and one of its dependable citizens, for forty years a leading cattle buyer and stockman. Handling only the highest quality of goods and giving his customers the very best service and courteous treatment and reasonable prices, he was soon doing a thriving business that has continued steadily. Being in a surburban district without high rent to pay, Mr. Creason does business on a much smaller margin of profit than the up-town storekeepers and gives equally as good goods and services, for orders over his phone, No. 647, are given the same careful attention as if the purchaser was present in person. He carries the leading brands of canned goods and table delicacies, fresh bread and pies, flour from the best mills, and no customer has ever had reason to claim unfair treatment or be sold goods that were not what they were claimed to be for Mr. Creason does not do business that way. He keeps his store and stock clean and inviting and is always ready with a cheerful word and a glad hand to welcome his customers and look carefully after their wants and needs. His store has filled a much needed want in that addition to being a progressive business man, Mr. Creason is a genial gentleman who makes friends and is a good booster for anything that promises to be good for Chillicothe or Livingston county and takes an active interest in matters that are for the good of the community.

One of the best towns in Livingston county, although an inland town, it has a population of 400 and is a modern place with progressive business men and thrifty farmers. Farming and live stock are the chief industries and a large number of fine cattle and hogs are raised and marketed from this point annually. The Farmers & Traders Bank of Dawn is a strong banking institution, and does much to foster and promote the progress of Dawn, as well as lend her financial aid to the farmers and live stock interests in the vicinity of Dawn. Her merchants are progressive and up-to-date business men, making Dawn a most desirable place to trade, schools and churches are the best; all in all, Dawn is a very desirable town to live in and make a living.

Embodied in the history of any county should be found a chapter telling of the establishment, growth and development of its banking institutions.

Such institutions, by their progress, are indicative of the resources, the spirit and general condition of the territory supporting them.

Such institutions should have among their stockholders, on their boards of directors and as their officers, men of intellectual capacity, sympathetic impulses and practical ability; men who while wisely conducting a business of financial benefit to themselves, in the conduct of that business, are establishing credit for others, and opening business channels that, but for the banking institutions, would be closed.

The Farmers & Traders Bank, of Dawn, Mo., was organized in 1901, with a capital stock of $5,000. In 1907, it was purchased by the present owners, and in the last nine years the business of this bank has more than doubled. It now has a capital stock of $20,000; $4,500 of undivided profits; $50,000 deposits; and outstanding secured loans in the sum of $70,000.

This bank is backed by home capital, owned and officered by home people, and is, in every sense of the word, a home institution. Its policy has always been co-operation. The net earnings of this bank are not paid out in dividends to the stockholders, but are added to the capital and surplus for the use of its customers.

Its officers are mean of influence, men of judgment and men having the best interests of their town and community at heart.

A. E. Gibson, president, is a graduate of the Gem City Business College. After his graduation he held responsible positions with the Traders National Bank in Kansas City, Mo., and the Central National Bank in St. Louis, Mo., coming to Dawn from St. Louis in 1907. Mr. Gibson is known throughout the county as a practical and conservative banker.

W. L. Jenkins, vice-president, is a stockraiser, owning a fine farm south of town. Mr. Jenkins is a good judge of live stock and a successful farmer.

J. A. Jenkins, cashier, is the owner of a large farm, deals extensively in hogs and sheep, and is a good business man.

A. T. Weatherby, the bank's attorney, is a University graduate, and has practiced law in Dawn the past sixteen years. In 1915 was elected to represent Livingston county in the 48th General Assembly. He is a practical business man and a man of good judgment.

The directors of the bank are A. E. Gibson, Minta M. Gibson, A. T. Weatherby, and W. L. Jenkins. These men are all extensive land owners, and men of business ability and progressive ideas.

The banking rooms occupied by the Farmers & Traders Bank are modern, being conveniently arranged and equipped so that the business of the bank is carried on systematically and smoothly. This bank is a member of the State Bankers' Association, and is in every way worthy the extended confidence of their constantly increasing list of borrowers and depositors. It offers its patrons every facility for the transaction of legitimate banking business.

Among the business interests of the progressive little town of Dawn is the harness and saddlery establishment of Haynes & Son, a house where only quality goods are made - for be it said at the start that no factory made harness is sold at this shop. Haynes & Son make all the harness they sell, and are equipped with the necessary machinery to do any class of work in this line. They buy the famous California Oakwood leather, the highest price and best quality leather on the market and harness made by them bears the stamp of quality. No matter what it is in the harness line this firm can make it on short notice and at prices that are as low as are paid elsewhere, besides they guarantee their goods to give satisfaction. They also carry in stock a full line of horse and stable accessories, collars, whips, harness oils, etc. They make a specialty to order of heavy work harness, and any order, no matter whether it is to repair a strap or to make complete a set of harness, gets prompt and careful attention and is done on time when it is promised. Mr. Haynes, the elder, is one of Livingston county's well known resident's and has lived here for years. His son, who is a partner in the business is a practical and experienced harness maker and was formerly with the Tanner Harness Shop in Chillicothe. He is an energetic and progressive young business man who tries to please his customers with quality work and good service and shows an interest in the prosperity and progress of the town and community. Every farmer who has ever used Haynes made harness will tell you there is none better made. Haynes & Son have been in the business here for five years and have built up a successful business.

The quality that build up any business are enterprise, stick-to-it-live-ness, honest methods and hustle. These are the qualities that Reed Brothers, progressive young business men have brought into use in establishing a large general merchandise business in Dawn, where they have one of the largest and best appointed establishments in this part of the country. H. E., William and Frank Reed have lived here all their lives and seven years ago went into the general merchandise business, devoting their energies to pleasing particular people with particular merchandise. As evidence of this may be mentioned Batterall and Brown shoes, known everywhere for quality and wear; Zephyr flour, the delight of housewives and cooks; Heinz, Van Camp's and other leading brands of canned goods used for their purity and wholesomeness; Ferry's seeds, the kind that are guaranteed; Stetson hats, a recognized standard everywhere. In every line handled none but the best is offered their customers. In fair treatment and prompt service Reed brothers have made it a point to excel, and no matter whether a customer buys in person or otherwise, the order is carefully filled with the goods desired. An attractive store where goods look fresh and stocks are kept in good shape proves a big drawing card for particular people who like progressive methods and efficiency. Dry goods, notions, queensware, light hardware and everything generally found in a first class store is carried in addition to which they handle quantities of poultry, cream and eggs, paying the best market prices or giving merchandise in exchange. Reed brothers have set a high standard of retail merchandising that is bringing a well merited patronage which shows a healthy increase from year to year. Alert to serve their customers efficiently they also appreciate the prestige that an active interest in civic and commercial matters bring and are always ready to do their part in any effort that is made to build up and develop the resources of the town and county.

As an indication of the resources of the country adjacent to Mooresville, the record of the Mooresville Savings Bank for the part twelve years makes an interesting chapter of the town's history, for in the banks of the country is the business done reflected, all business transactions using it for a clearing house. The Mooresville Savings Bank was organized in 1904 and is not yet in its teens, but is a healthy growing youngster that has been of material value to the farming and live stock interests of the community, aiding as it has, these industries to develop and prosper. Starting with a capital stock of $10,000, the Mooresville Savings Bank has accumulated a permanent surplus fund of $8,000 and has deposits that aggregate $95,000. It has loans on unquestioned security outstanding in the sum of $75,000. This is a most gratifying showing for an institution of this age. The officers and directors are all representative farmers and stockmen of the community, worthy, morally and financially of the confidence of the people that has so liberally been reposed in them, and it has been the aim of the institution to operate on a broad and liberal scale in making itself an efficient aid to the interests it represents. Homer Kirtley, president, is a large land owner and cattle dealer; C. E. Vadnais is vice-president and also extensively interested in farming and stock raising. J. H. Cusick, cashier, also owns the largest hardware, flour and feed store in this part of the country and is one of the progressive business men and bankers of the community; Miss Gladys Hudgins is assistant cashier and a talented young business woman. J. A. McMillen, W. E. Hudson, L. F. Hudgins, A.S. Ireland, A. T., and Albert Rockhold are directors, all of them prominent farmers and stock dealers. The Mooresville Savings Bank owns its own banking house, a modernly equipped business house and offers exceptional facilities for the transaction of all legitimate business. It is a bank of personal service and courteous treatment.

One of the oldest and also one of the largest mercantile establishments in this part of Livingston county is the hardware, flour, feed, harness, grain and hay business of J. H. Cusick, for twenty years, a leading business man and influential resident of Mooresville. Occupying two large store rooms, Mr. Cusick carries an unusually high class stock of goods, all of it fresh and salable. As an indication of the manner in which the store has been conducted, it is pointed out that after invoicing a few weeks ago there was found less than twenty dollars worth of goods that might be classed as unsalable. This is remarkable in a stock the size of this.

Although Mr. Cusick hakes no active part in the management of the business, being cashier of the Mooresville Savings Bank, the store is operated by his manager ………. in a most able and progressive manner. Mr. Cusick carries a high class stock of goods, including stoves, shelf and heavy hardware and does tin work of all kinds. He handles best harness and hardware from the well known house of Wyeth and Co., garden tools and implements. Handling large quantities of feed, flour and grain, Mr. Cusick is in position to fill any order, no matter how large for these commodities on short notice and in the shortest possible time. With good service and quality goods this store has become a leader in this line and does a large volume of business that reaches out to all of the surrounding territory, making it one of the important adjuncts of Mooresville in a business way bringing trade from miles around. Everything sold here is guaranteed to be the best, a fully equipped tin shop where satisfactory work is turned out and guaranteed is a feature, the effort of the management being to please and satisfy the customers of the house.

Livingston county possesses a vast area of the richest farm land in the whole United States. the close proximity to several of the greatest consuming markets offers advantages seldom to be found.

Among the leading interests of Bedford and an establishment with years of successful business to its credit is the general store of T. J. Wisehaupt, for more than thirty years one of the leading progressive business establishments of Livingston county. Four years ago this establishment was taken over by T. J. Wisehaupt, a progressive young business man, and since that time he has improved the stock and service, an up-to-date store and an up-to-date stock of quality goods. It requires 2,400 square feet of floor space to display this immense stock. Nothing but the best brands in all lines are handled. Zephyr flour, Ball brand rubber goods, dry goods and furnishings from dependable makers, the famous Selz brand of shoes, a leader in every first-class store everywhere; also Robert-Johnson brand shoes are carried, dry goods that are bought to please particular people-these are the things that have gained this store a prestige second to none. In addition to quality goods Wisehaupt takes especial pride in the operation of his store, seeing that it is kept clean and attractive, goods in systematic order-not indiscriminately piled away on shelves and counters. Progressive merchandising means careful attention to these things and it is shown in this establishment in every department. Country produce, butter, eggs and cream are handled in large quantities and the farmers have learned that they can get dollar for dollar in cash or merchandise for them here. Courteous treatment and prompt service, whether an order comes by phone or the buyer is there in person. Every facility and convenience is offered out-of-town patrons and their wants are carefully looked after and are made to feel that their patronage is appreciated. Mr. T. J. Wisehaupt has been in the merchandising business for several years, setting high standards in everything he does. He has not only made his store a factor in the growth of Bedford and the surrounding country, but has been among the active public-spirited citizens who are intent on making it a better place to live in and do business in. A resident of the county all his life he is one of its best known and well liked citizens.

A reliable banking institution is very necessary to the business interests of any community. Not only does the State of Missouri make certain requirements necessary, but there is also the requisite of officers of known capability and integrity. In all of these the Bank of Bedford fills all the requirements. Organized in 1912, they have met with a successful business and have gained the confidence of the people and their customers through fair dealing methods and progressive ideas. In less than four years, starting with a capital stock of $10,000.00, they have accumulated the nucleus of a permanent surplus and have deposits of $24,673.36. the business has been conducted in a manner that has merited the approval of all with whom they have dealt, following the most approved and progressive ideas, affording their customers every convenience and facility consistent with good banking methods. Its growth and progress reflects the growth and progress of the town and county in a most gratifying manner. It has been one of the important units in developing and fostering the live stock and agricultural interests of this section and a real business asset for the expansion of all kinds of business. With the officers of the Bank of Bedford it has meant more than a place to deposit money or to secure loans; it has meant that every facility and convenience is placed at the disposal of customers, that personal service has enabled them to solve financial problems without loss and in the most satisfactory manner, with the result that the Bank of Bedford is conducted on a broad and liberal policy, yet withal solid and conservative as will best conserve the interests of its patrons and stockholders. H. Held, president, is one of the best known residents of the county, having conducted for many years the oldest mercantile house of Bedford. J. P. Alexander, vice-president, is a retired farmer and well and favorably known in Livingston county. B. B. Alexander, cashier, is also the head of the Alexander Lumber Co., of Bedford, a young business man of worth to the community. H. L. Alexander, assistant cashier and book-keeper, is also interested in the Alexander Lumber Co. and is a young man with good business qualifications. the directors are W. F. Houx, breeder of Shorthorn cattle and Poland-China hogs. C. S. Mitchell, J. C. Jogger, C. A. Beaver and A. M. Shelton, are all prominent farmers of the county, except A. M. Shelton, who is president of the Gunby-Shelton Abstract Co. of Chillicothe.

One of the largest and most complete, as well as the most efficiently conducted establishments in the county is the bug general store of Snyder & Vanlandingham at Bedford, owned and conducted by J. T. Snyder and Cleo Vanlandingham, progressive and energetic business men and reliable citizens. The business has been established four years and a high standard of merchandising has been set that has brought a large volume of business that reaches out in every direction into the surrounding territory. First of all this concern carry nothing but quality goods, the kinds that are nationally known and called for because of purity and wholesomeness. They handle the Champion flour that has the endorsement of every housewife and cook that has ever used it; they carry all leading brands of canned goods, together with other well known brands, such as Heinz and Van Camp's. Dry goods, notions, shoes, clothing, etc., are marked by quality, such lines as the Noyes-Norman shoes for both men and women, known for their wear and durability; Bearskin hosiery, Flint Hill overalls, etc. They pay the highest price in cash or exchange merchandise for all kinds of country produce. Snyder & Vanlandingham cater to particular people, both in quality goods and good service, and every order is filled with exactly what is wanted, no matter whether the buyer is present or not. their store is an attractive one and is kept clean and good arranged in order for careful buying with courteous clerks to see that every want is filled and every facility offered. the prices here are no more than is often paid for interior goods, and if they are not satisfactory, they will be made so or the money refunded. They are progressive, up-to-date business men and want to have satisfied customers. They have made their store a valuable asset to Bedford and are interested boosters for the things that are good for the town and community.

Service is a commodity and just as valuable in proportion to returns secured as any staple article of commerce. A man can have no more valuable service rendered than to be put in the way of making money, or of saving what he has accumulated. Service in matters of land transactions, where property changes hands with more or less liability of loss is first in the list. There is no firm in the city more able to give honest and up-to-date service along this line than Gill & Ryan, abstractors, whose offices are at 703 Webster street. Burdett V. Gill and John A Ryan have been for years residents of Chillicothe and are familiar with and have a detailed knowledge of realty throughout the county that gives them first-hand information. They own the most complete set of abstract books in the county and offer an efficient service at reasonable prices. "Be sure you're right, then go ahead, interpreted, means, get Gill & Ryan to handle your abstracts, then you will know you are right." This is the most reliable abstract company in Livingston county, their books show all matters of record concerning lots, lands, homes and farms in Livingston county. This firm has for many years enjoyed the highest kind of reputation for accuracy and promptness, and has spent many thousands of dollars upon its valuable system records.

Gill & Ryan are active and successful business men, who have had many years experience in their line and are thoroughly capable and expert abstracters. They have their business systematized in the most up-to-date manner, and give their undivided attention to the business, and their office force is made up of capable and experienced assistants. They are prepared to furnish abstracts of title, maps and plats. Gill & Ryan are the approved abstracters for all the big farm loan companies doing business in Livingston county.

The Botts-Minteer Dry Goods Company has for thirty-five years been one of the leading department stores in Livingston county and under the name of FARMERS STORE, has catered largely to the better class of rural trade, having also a large city clientage that has demanded a better grade of merchandise and a better service. In the Farmers Store the people of Chillicothe and vicinity have had an establishment worthy a prosperous, metropolitan town, and one that has kept pace with the demands of a progressive community. J. W. Botts and Barney Minteer have been connected with the establishment since its beginning and have always devoted their efforts and energies to selling quality goods and giving the biggest values for the money in merchandise of all kinds, clothing, men's furnishings, ladies' ready-to-wear, dry goods, notions, rugs, carpets, shoes, etc. The Farmers Store handles the famous Wooltex garments that for years have been a recognized standard of quality and excellence. To enumerate the leading brands of goods sold would require several columns of space, but every article sold is guaranteed to be the best for the money. Occupying three floors of the modern brick building at 614-16 Washington street, every comfort and convenience has been provided in this big establishment for their friends and patrons and to facilitate the careful buying of goods. Botts-Minteer and liberal advertisers of the goods they sell, backing them up with their own personal guarantee. No shoddy stuff under the guise of bargains are ever displayed on their counters and the fairest of treatment and the most courteous attention is paid to the wants of every visitor to the store. The Farmers Store has shared in the prosperity of Chillicothe and has as an institution stood for and worked for the things that have given the city commercial supremacy as a dependable shopping center. Representing a large money investment in stock and building the Farmers Store does annually an immense amount of business in the city, J. W. Botts, presiding of the company, is one of the influential citizens of Chillicothe as is also Barney Minteer, vice-president and treasurer. Both are progressive and aggressive business men and are public spirited citizens who have been of worth in a civic and business way to the city. W. F. Woolsey, who has been the secretary for many years, recently resigned on account of poor health, and his son, C. G. Woolsey, who has been the store's efficient bookkeeper, was elected to fill his father's place at the last business meeting.

The Cleaveland barns at 420 Locust street, of which R. M. Cleaveland is the owner and proprietor, does an extensive business in feed, handling all grades and kinds, boarding teams and vehicles and operating a transfer line. Mr. Cleaveland secured possession of the property and business last September, and after a thorough cleaning up and overhauling, began catering to the people who wanted the best kind of service in these lines. He keeps on hand at all times corn, hay, oats, chops, mill feed, etc., and sells in any quantity, making deliveries promptly anywhere desired. He always gives correct weights and measures and a call over phone 841, for anything in this line, will be filled in the shortest possible time. If you have horses or vehicles to board, they will be properly taken care of here and kept in condition for service. Mr. Cleaveland feeds his horses well and they are always fit and ready. Hauling and transfer work is also done and orders are filled promptly. Mr. Cleaveland has endeavored to give his patrons and customers the best service possible and does his best to please and satisfy. This, together with courteous treatment and reasonable prices, has gained for him an enviable reputation as a dependable business man. A good many years before going into his present business, Mr. Cleaveland was one of the best known horsemen in this part of the state, and done a large business buying and selling. He has resided in Chillicothe for twenty-three years and has always taken an active part and interest in aiding the growth and development of the town and county, showing his public spirit in many matters that have affected the general welfare.

It is no trouble to pick out a progressive and growing town through the service its leading hotel offers the traveling public. Gauged by this standard Chillicothe is a live one and the New Leeper a hostelry par excellence. Traveling men from all over this part of the state make it a point to spend the week-end in Chillicothe at the New Leeper. That is a real stamp of approval, for of all persons the average traveling man is the most critical and demands the most for his money. He gets it at the New Leeper, a modern four-story brick with seventy light, airy, clean sleeping rooms, each with hot and cold running water, electric elevator service, telephones in every room and steam heat. Fourteen rooms have private bath and five big carpeted sample rooms offer every convenience to the man who has goods to show or to the transient guest. These are a small part of the superior service at the Leeper, another being the good dining room service where variety, cleanliness and promptness are things most noticeable and appreciated. An empty lobby, reading and writing rooms comfortably furnished make it at once homelike and a pleasant place to meet acquaintances. Courteous service on the part of every employee is demanded of the management, the same being extended to the guest of a day as well as to regular patrons of the house. Automobile busses meet all trains.

B. T. Clark, owner and manager, is a progressive young business man and past master in hotel operation and management. At the time Mr. Clark acquired possession there were less than fifty rooms. The building was remodeled and improvements and enlargements made until it represents an investment of nearly $75,000 and is classed as one of the leading best hotels in the state. Rates at the New Leeper are $2.25 up, per day. Mr. Clark has been in the hotel business for seventeen years and was formerly owner of the Linville at Maryville, Mo., now operated by his father. With the acquisition of the room in the corner of the building, soon to be vacated by the People's Savings bank, which moves to another location, the New Leeper will add still other features. Frank E. Snare, is assistant manager and a thorough hotel man. the New Leeper has helped to put Chillicothe on the map, being an advertisement of the progress and push of a community that does thing and is destined to be a city of 25,000 people within a few years.

How true this quotation is! Through these windows we see the beauties of nature, and our inmost expressions are revealed to others through our eyes. How careful we should be to keep bright and clear the windows of the soul! What a blank is the face of the blind! On account of Chillicothe being a city of schools, where hundreds and thousands of students of both sexes frequently apply themselves too closely to study and reading, there are numerous cases of eye weaknesses. Fortunate are these people if they go at once to Dr. C. W. Palm, specialist in Optometry, offices one-half block west of Leeper hotel on south side of street. Dr. C. W. Palm is a graduate Optometrist and a specialist of great note in his profession. He has had twenty-two years practical experience. His offices are the best equipped in northern Missouri, for the testing of the eye, fitting glasses and grinding lenses. There are three kinds of equipment necessary to fit glasses with the best results: first, through education in the science of optometry and experience in the practice of that profession. This is most important of all; for all other equipment is useless without it. Second, scientific instruments, trial lenses, charts, proper lights, and other necessary equipment with which to measure every optical defect of the eyes, and prove every point go as to know, and not guess, at what the conditions are. third, electrical grinding machinery and instruments of precision for making all the extraordinary and complicated lenses, which cannot be bought on the market. This is very important, for if the same person who measures the defects of your eyes, also makes the lenses, he can improve them in many details to make them more suitable for your special requirement. Knowing every peculiarity of your eyes and the shape of your face, he can put in many touches which will contribute largely to your comfort, convenience, and personal appearance, which could not be had if he sent your prescription to a man who never saw you. Dr. Palm has neither spared time, money or care in equipping his office with the most improved instruments of every kind necessary to prove every point concerning your eyes, and measure every optical defect, thus eliminating all guess work, and enabling him to really know what special form of lenses will correct the defects of your eyes and give you the most satisfaction. He uses several original charts, devices and arrangements of his own, which are great improvements over the usual means of testing, making the results much more certain and satisfactory. Dr. Palm's lense-grinding plant consists of the best automatic electrical machinery and instruments of precision that money can buy, enabling him to actually make from the rough material, over one million distinctly different forms of lenses which cannot be bought on the market, but must be ground to order for each patient, to correct extraordinary and complicated defects of the eyes. He is especially prepared to make the famous "Kryptok" seamless bifocals, and the improved "Toric" lenses. You can call at his office and see your own lenses made from rough glass, if you like. During twenty-five years traveling, the writer has never seen a retail optical establishment as well equipped as that of Dr. Palm. Dr. Palm uses system in examining an eye and takes up each of the many defects separately-one at a time-and either proves that it exists in that eye or is absent; and if found, it is measured very carefully and accurately. Then the next defect is taken up and treated in the same manner, and so on until every known optical or muscular defect has been carefully measured, or proven to be absent. The result of such systematic work makes the fitting of glass a matter of mathematical precision and eliminates the uncertainty and guess work so frequently met with.

There is no more interesting chapter of a city's progress and development than a history of its banking houses. The men who are connected with the banking interests are always largely interested in other matters that have brought business supremacy and achievement, consequently a review of the business of the Citizens National Bank, Chillicothe's largest financial house and its officers is appropriate at this time. Bankers and money are so closely associated in the public mind with close-fisted money getting that it is a relief to know that the progressive banker of today wields a larger influence for the good of the community, for the development of resources, than any other class of men. The Citizens National has enjoyed this distinction ever since it started in business here in 1889. While it has been conservatively managed, it has always stood first and foremost for Chillicothe and the things that have given it prestige in the business and industrial world. No other system of banking gives the security that the United States national banking law does. the government is behind every dollar invested, a protection to depositors and shareholder alike. The Citizens National has resources over three-quarters of a million dollars and is considered one of the strongest and most efficiently managed banks in the state, always ready to lend aid to any legitimate business enterprise that might need such assistance. The continuous re-election of officers and directors reflects the confidence of hundreds of shareholders in their appreciation of integrity and ability to successfully handle large sums of money and to conserve the best interests of depositors and borrowers. Only a few minor changes in officers or directors have occurred in recent years. W. W. Edgerton, president, has been connected with it for years and is one of the leading bankers of the state; J. C. Minteer, vice-president, is a member of the hardware firm of Minteer & Williams; E. O. Welsh, cashier, is one of the county's progressive business men and bankers; J. M. Dunn, assistant cashier, is another official with years of his credit in the same bank. Of the directors, M. R. Jenkins is owner of the big Hay Rake & Stacker Manufacturing Co.; C. F. Adams is a leading grocer; I. M. Timbrook is a prominent stockman and farmer, and W. T. Ford is a retired business man; C. I. Hoyt is a farmer and stockmen; Adam Saale is a merchant. The Citizens National Bank occupies a modern banking house at the corner of Locust and Jackson street, where, in addition to providing every facility for their patrons and depositors, they have safety deposit boxes for rent at reasonable prices. they are members of the Federal Reserve Bank and the State and National Bankers' Association.

The Earl of Chesterfield, the best dressed man of his age, is credited with the remark that to be out of style was the equivalent to being out of date-an obscure and unimportant individual. The knowing Earl might well have lived in the present day, for his remark applies just as readily. There is no reason for men not being and keeping well dressed. The clothing firm of Wallbrunn & Berg can fit you out with a suit of Society brand clothes that will bring you right up-to-date. Society brand clothing has for years represented the highest art of the ready-to-wear goods manufacturer in quality of workmanship, style, service and dependability. The wearer of Society brand clothing stamps him with an individuality, an exclusiveness that no other make of clothing does. This firm handles the dependable Earl & Williams shirts and collars, recognized everywhere as first quality goods and a leader in every first-class store. Wallbrunn & Berg are outfitters for men, carrying a complete line of men's furnishings of the highest quality and latest styles. This firm has long made a specialty of personal service in their extensive business, and no matter whether a patron desires a collar or an expensive suit of clothes, it is the rule to see that he is satisfied, that the article or garment fits his individual figure, that it is becoming in every way. Courteous and painstaking clerks look after every want and no customer is allowed to leave the store with any matter unsettled or holding ill feeling on account of irregular or unsatisfactory service, for this never happens at this store. Modern and progressive methods have been used which has given this firm large prestige in this line of business and they have an extensive clientele among the best people of the city and county. Wallbrunn & Berg is one of the oldest firms doing business in Chillicothe, Joseph Wallbrunn and Herman Berg being among the influential business men of the county.

How true this quotation is! Through these windows we see the beauties of nature, and our inmost expressions are revealed to others through our eyes. How careful we should be to keep bright and clear the windows of the soul! What a blank is the face of the blind! On account of Chillicothe being a city of schools, where hundreds and thousands of students of both sexes frequently apply themselves too closely to study and reading, there are numerous cases of eye weaknesses. Fortunate are these people if they go at once to Dr. C. W. Palm, specialist in Optometry, offices one-half block west of Leeper hotel on south side of street. Dr. C. W. Palm is a graduate Optometrist and a specialist of great note in his profession. He has had twenty-two years practical experience. His offices are the best equipped in northern Missouri, for the testing of the eye, fitting glasses and grinding lenses. There are three kinds of equipment necessary to fit glasses with the best results: first, through education in the science of optometry and experience in the practice of that profession. This is most important of all; for all other equipment is useless without it. Second, scientific instruments, trial lenses, charts, proper lights, and other necessary equipment with which to measure every optical defect of the eyes, and prove every point go as to know, and not guess, at what the conditions are. third, electrical grinding machinery and instruments of precision for making all the extraordinary and complicated lenses, which cannot be bought on the market. This is very important, for if the same person who measures the defects of your eyes, also makes the lenses, he can improve them in many details to make them more suitable for your special requirement. Knowing every peculiarity of your eyes and the shape of your face, he can put in many touches which will contribute largely to your comfort, convenience, and personal appearance, which could not be had if he sent your prescription to a man who never saw you. Dr. Palm has neither spared time, money or care in equipping his office with the most improved instruments of every kind necessary to prove every point concerning your eyes, and measure every optical defect, thus eliminating all guess work, and enabling him to really know what special form of lenses will correct the defects of your eyes and give you the most satisfaction. He uses several original charts, devices and arrangements of his own, which are great improvements over the usual means of testing, making the results much more certain and satisfactory. Dr. Palm's lense-grinding plant consists of the best automatic electrical machinery and instruments of precision that money can buy, enabling him to actually make from the rough material, over one million distinctly different forms of lenses which cannot be bought on the market, but must be ground to order for each patient, to correct extraordinary and complicated defects of the eyes. He is especially prepared to make the famous "Kryptok" seamless bifocals, and the improved "Toric" lenses. You can call at his office and see your own lenses made from rough glass, if you like. During twenty-five years traveling, the writer has never seen a retail optical establishment as well equipped as that of Dr. Palm. Dr. Palm uses system in examining an eye and takes up each of the many defects separately-one at a time-and either proves that it exists in that eye or is absent; and if found, it is measured very carefully and accurately. Then the next defect is taken up and treated in the same manner, and so on until every known optical or muscular defect has been carefully measured, or proven to be absent. The result of such systematic work makes the fitting of glass a matter of mathematical precision and eliminates the uncertainty and guess work so frequently met with.

There is no more interesting chapter of a city's progress and development than a history of its banking houses. The men who are connected with the banking interests are always largely interested in other matters that have brought business supremacy and achievement, consequently a review of the business of the Citizens National Bank, Chillicothe's largest financial house and its officers is appropriate at this time. Bankers and money are so closely associated in the public mind with close-fisted money getting that it is a relief to know that the progressive banker of today wields a larger influence for the good of the community, for the development of resources, than any other class of men. The Citizens National has enjoyed this distinction ever since it started in business here in 1889. While it has been conservatively managed, it has always stood first and foremost for Chillicothe and the things that have given it prestige in the business and industrial world. No other system of banking gives the security that the United States national banking law does. the government is behind every dollar invested, a protection to depositors and shareholder alike. The Citizens National has resources over three-quarters of a million dollars and is considered one of the strongest and most efficiently managed banks in the state, always ready to lend aid to any legitimate business enterprise that might need such assistance. The continuous re-election of officers and directors reflects the confidence of hundreds of shareholders in their appreciation of integrity and ability to successfully handle large sums of money and to conserve the best interests of depositors and borrowers. Only a few minor changes in officers or directors have occurred in recent years. W. W. Edgerton, president, has been connected with it for years and is one of the leading bankers of the state; J. C. Minteer, vice-president, is a member of the hardware firm of Minteer & Williams; E. O. Welsh, cashier, is one of the county's progressive business men and bankers; J. M. Dunn, assistant cashier, is another official with years of his credit in the same bank. Of the directors, M. R. Jenkins is owner of the big Hay Rake & Stacker Manufacturing Co.; C. F. Adams is a leading grocer; I. M. Timbrook is a prominent stockman and farmer, and W. T. Ford is a retired business man; C. I. Hoyt is a farmer and stockmen; Adam Saale is a merchant. The Citizens National Bank occupies a modern banking house at the corner of Locust and Jackson street, where, in addition to providing every facility for their patrons and depositors, they have safety deposit boxes for rent at reasonable prices. they are members of the Federal Reserve Bank and the State and National Bankers' Association.

The Earl of Chesterfield, the best dressed man of his age, is credited with the remark that to be out of style was the equivalent to being out of date-an obscure and unimportant individual. The knowing Earl might well have lived in the present day, for his remark applies just as readily. There is no reason for men not being and keeping well dressed. The clothing firm of Wallbrunn & Berg can fit you out with a suit of Society brand clothes that will bring you right up-to-date. Society brand clothing has for years represented the highest art of the ready-to-wear goods manufacturer in quality of workmanship, style, service and dependability. The wearer of Society brand clothing stamps him with an individuality, an exclusiveness that no other make of clothing does. This firm handles the dependable Earl & Williams shirts and collars, recognized everywhere as first quality goods and a leader in every first-class store. Wallbrunn & Berg are outfitters for men, carrying a complete line of men's furnishings of the highest quality and latest styles. This firm has long made a specialty of personal service in their extensive business, and no matter whether a patron desires a collar or an expensive suit of clothes, it is the rule to see that he is satisfied, that the article or garment fits his individual figure, that it is becoming in every way. Courteous and painstaking clerks look after every want and no customer is allowed to leave the store with any matter unsettled or holding ill feeling on account of irregular or unsatisfactory service, for this never happens at this store. Modern and progressive methods have been used which has given this firm large prestige in this line of business and they have an extensive clientele among the best people of the city and county. Wallbrunn & Berg is one of the oldest firms doing business in Chillicothe, Joseph Wallbrunn and Herman Berg being among the influential business men of the county.

Chillicothe offers advantages for factories that are not to be overlooked. No better evidence of this can be had than to point to the fact that four of the biggest institutions in the country are profitably engaged here, branch houses having been located here within the past few years. First Chillicothe is close to five big markets and distributing centers-Kansas City, St. Joseph, Omaha, St. Louis, and Chicago. Close enough to engage in production without the attendant cost of operation in the big cities and where there is plenty of labor. Forty-one factories are in operation here. Next is the fact that three trunk lines of railways furnish easy outlet in every direction with equable freight rates. Water transportation at Kansas City is only 86 miles to the west-a saving of 20 cents a ton, on all goods shipped to southern points. Adequate freight terminal facilities have been provided here by the Wabash, Chicago, Milwaukee & St. Paul, and the Burlington. The Chillicothe Chamber of Commerce stands ready to aid any industrial concern seeking a location to make a suitable negotiation for sites and other consideration. Municipally owned water and power system are able to offer the lowest possible rate for these necessities to consumers. Chillicothe is close to much raw material, coal, minerals, livestock, cereals, etc. Local capital has always shown a friendly interest and has financially interested itself in several of the concerns operating here.

To sum it all up Chillicothe is in the center of things, less than 200 miles from the geographical center of the United States and it is doubtful if there is another city of the same size in the country that can show such favorable opportunities and natural advantages in location or more definite program that will lead to a larger growth for those who come here. Within a 100-mile radius around Chillicothe the population numbers 1,700,000; the number of farms is 156,237, the total acreage of these fertile farms, the best in America, is 21,946,000 acres. The total farm valuation, cities and towns not included, is $1,643,390,000.00.

It never pays to have cheap plumbing or heating done. The best is always the cheapest. Experienced men and the best materials are always the most satisfactory. Builders and home owners realize and appreciate this. The firm of Huggett & Worley, plumbers and heaters, located at 710 Locust street, is one of the most reliable and progressive firms doing this line of work in Chillicothe, and having been engaged in business together for some months past have developed a volume of business that a meeting with approval. Their large shop is equipped to do anything in the plumbing and heating line, the necessary machinery to handle piping, do furnace work and other like matters. They handle and install the famous American radiators and ideal hot water heaters and carry in stock bath and toilet goods made by the Standard Sanitary Manufacturing Co. These are all goods that are nationally known for service and reliability. Huggett & Worley are also plumbing and heating contractors, equipping homes and buildings throughout with private hot and cold water system and heating plants. They also make a specialty of job work, emergency work, and a call over their phone, No. 326, finds them right on the job to look after it carefully and intelligently. They use nothing but the very best of materials and do their work promptly. Their prices are no more than is often paid for inferior work. They are glad to give prices and estimates of material necessary to do any job of heating or plumbing and guarantee all work they do. They are progressive young business men who have had long experience in the business and are making every effort to give high-class service and make satisfied patrons. Courteous and obliging, and with ability to do the work promptly, they are meeting with well merited patronage that keeps them busy.

Among the dependable retail institutions of Chillicothe is the establishment of J. E. Meek & Co., at 720-22 Locust street, dealers in new and second-hand furniture, stoves, carpets, and household furnishings. It is also one of the oldest business houses in the city with a record of over twenty-five years successful business. They handle a large line of furniture, carpets, stoves, rugs, and household goods from the best makers. There is nothing in this line but what they can supply and at prices that are reasonable compared with the high quality of merchandise offered. They are also buyers of all kinds of second-hand goods, and bargain hunters can always find serviceable articles that answer the same purpose at lower cost than new goods. Meek & Co. are able to fill any household need from cellar to garrett, dining-room or kitchen. In the latter they are always found in good condition, nothing ever goes out of the house unless it is ready for service and it is guaranteed to be everything that is claimed for it. In stoves they handle the Pennisula and Wesco makes that have for years stood for all that was good and dependable in stoves. Patrons of Meek & Co. are always assured of courteous treatment and fair dealing. If new goods are desired only the best is offered. If it is an order to buy they are prompt to make an offer on household goods of any description, giving in cash the highest market value of the goods offered. F. E. Brown is manager of the business, Mr. Meek, being engaged largely in looking after contracting and building interests. Mr. Brown is a courteous genial gentleman, who is active in securing business and also in helping promote the best interests of Chillicothe and the community in which he lives.

For many years Hogan's Tailor Shop has been familiarly known to the citizens of Chillicothe and vicinity. Bert Hogan learned the trade under his father, who was known throughout North Missouri as one of the best tailors in the country. Business men all over the country were known to keep their measure in this shop and annually sent their orders by mail for a suit of clothes, knowing the skill and ability of the shop to fulfill the order to their liking.

Bert Hogan is a chip off the old block so to speak, and under the tutorship of his father for care and painstaking with all orders, together with his study of modern methods in tailoring, has kept up the reputation of the shop for making suits to order that give satisfaction to the large patronage he enjoys.

Honest workmanship and trained skill with a large line of the very best goods to select from is the three principal ingredients that enter into the policy of this shop, "the man who knows goes to H. B. Hogan to have his clothes made" is the slogan that leads the most fastidious and scrutinizing followers of fashion to this shop. They know they will get a dollar's worth of value for every dollar invested. A reputation like this is one of the greatest assets any business may have in these days. Patrons do not hesitate to pay a fair profit for this kind of goods and service.

All the best candy factories are not located in the big cities by any means. Chillicothe has one that it is proud of and whose candy and confections rank right up alongside the product of the best makers in the United States. For the reason that it does over $50,000 worth of business annually outside of this city alone extended mention is made of it here and to better acquaint the people of this trade territory with the high quality of goods turned out. Something like eighteen years ago the business was established by Burke and Shirley P. Brownfield under the name of Brownfield Bros. (until recently Mr. Burke Brownfield sold his interest to J. E. Bird), growing from a moderate business to one that now occupies a floor space of over 8,000 square feet and gives employment regularly to between twelve and fifteen people. The capacity of the plant, which is nearly always working to the limit, is from 1500 to 2000 lbs. of candy per day-a business of some magnitude when it is considered that all their goods are hand-made. They have no special lines, but manufacture a general line of all kinds of candies, each of which has to conform to a standard required of the state and national pure food laws. A visitor to the operating rooms will find this rigidly adhered to with absolute cleanliness and sanitation observed throughout, resulting in a product that represents the highest degree of purity and wholesomeness. From shining pots and containers in which it is first cooked it is taken to huge stone slabs or other sanitary receptacles to be made into the shapes required.

No hand ever touches it, those needed to prepare it using sanitary gloves used for the purpose only. Expert wrappers and sorters put it in attractive cartons for the trade. Brownfield candles can be found in every town within a radius of seventy-five miles of Chillicothe and traveling men cover the territory regularly. They are also manufacturers of pure ice cream, having facilities for making, handling, and shipping hundreds of gallons daily. The same rigid adherence to pure food and health laws is found in making ice cream as in making candy for six months in the year the ice cream department finds itself taxed to supply the demand, both locally and from all the towns in this trade territory. Brownfield & Bird use very little machinery in the manufacture of their product, seeking rather to maintain a high standard of quality than to make a larger quantity. With an outlet of over half a ton of candy per day besides the ice cream made, allowing an average price of 40 cents per pound, which is cheap for the best pure candy, a little figuring shows the astonishing amount of an eighth of a million dollars worth of candy produced annually. Shirley P. Brownfield and J. E. Bird are enterprising and progressive young business men who take a pride in their business-both being practical and experienced candy makers-and are among the loyal and public spirited citizens of Chillicothe who are anxious for further development and willing to aid it in every way possible.

There is a sense of satisfaction and an air of up-to-date-ness in wearing a tailored to measure suit of clothes that the ready-made kind do not give. It is also a satisfaction to see the goods from which the suit is cut, to have it cut and made in your presence that ordering by sample with printed measurements do not bring. Chillicothe's best dressed men and particular dressers have for years found perfect satisfaction in the clothes made by Murphy & Sons. At their establishment, 717 Webster street, they carry in stock a splendid line of the latest and most fashionable weaves of goods, imported woolens, and domestics from which a selection may be made. The Murphys are a family of tailors, the art of making up-to-date clothes having come down from father to son. They have spent their lives at it and know the business from beginning to end, to the smallest detail. Their practical knowledge and advice in sartorial matters is most valuable to the man who would have the best and look the neatest. Reckoned in dollars and cents there is no ground for comparison in tailored clothes and ready-made. No ready-made garment ever had the wearing qualities, the fit, or the slightly more, the tailored suit means money saved. It would surprise one at the reasonableness that a tailored suit can be made for by them. Garments made by Murphy & Sons are guaranteed to fit and give satisfaction, and few of their customers have ever had to return a suit because it was improperly made or fitted. Patrons of their father when he first established the business years ago are still getting their clothes made by John F. and Robert J. Murphy, president proprietors of the business, and whose establishment is one of the most complete in this part of the state. Both are progressive business men whose sole attention is in pleasing their customers. They are loyal citizens to Chillicothe and interested in helping every worthy cause that will make it a larger and better city.

Courteous treatment.

Reasonable prices.

Good goods.

Prompt delivery.

These are the things that are guaranteed to the patrons of the progressive and up-to-date grocery establishment of Frank A. Brotzer on the west side of the square, 612 Washington street. Mr. Brotzer is prepared to meet all comers in service, prices, and quality goods. He handles the well known Ferndell line of canned goods, known everywhere as the highest standard of purity and wholesomeness. A line of bottled goods and table delicacies, fresh vegetables, fruits, fresh country and creamery butter, sweet and pure, the freshest eggs, Armour and Swift brands of cured meats, Clyde's Best the highest grade of flour, is included in his stock. Absolute cleanliness and freedom from dirt and flies makes this establishment a popular one with discriminating housewives. No wilted vegetables or spoiled fruits are ever offered to their customers. Service here means that orders are filled with the exact things asked for, and whether the order comes by phone, No. 98, or the buyer comes in person, there is no deviation from this rule-no substitutions are ever made. No waiting on groceries to come-no delayed meals, for every order is delivered promptly, and if too late for a regular delivery, a special trip is made with it. The prices charged are no more than is often paid for inferior goods and indifferent service. Mr. Brotzer is devoting his efforts to pleasing particular people and the large volume of business he does attest the fact that he is succeeding. He is a wide-awake business man and a dependable citizen and takes a pride in conducting a first-class store and in himself being an aid in many matters that are for the general welfare of the town and community.

One of the largest commercial greenhouses and floricultural establishments in northern Missouri belongs to and is operated by Richard L. Isherwood. Out at the west end of Calhoun street nearly 25,000 square feet of glass houses and covers flowers and hot house vegetables in great variety and plans are being made to enlarge and improve the already extensive plant this spring. Mr. Isherwood, besides being a practical florist finds time to serve the Chillicothe Trust Co. as its vice-president and has always taken an active part in the city's civic affairs. Twelve years ago he became a convert to the idea of Chillicothe's larger and bigger growth and decided that a modernly constructed and efficiently managed greenhouse and hot houses would prove profitable. His judgment has been fully attested by the success of the business which now does annually a large volume, flowers and hot house products being shipped to all towns within a radius of seventy-five miles. Besides making funeral designs, furnishing flowers and emblems for social and other functions, decorating lawns, parkways and outdoor gardens, the Isherwood greenhouses make a specialty of hot house lettuce and tomatoes, nearly one-half of the ground space being devoted to these edibles and supplied for the early markets. A modern steam radiation plant and practical floriculturists who understand every detail of successful culture enable the Isherwood greenhouses to produce the largest variety and the highest class of flowers and vegetables and to compete with larger green houses. The Isherwood greenhouses offer a service in these things second to none in the country and are becoming more widely known and patronized each year. Orders received for flowers designs, or plants are looked after by experts and are delivered by auto delivery the same day to any part of the city. In making attractive homes, in making Chillicothe parkways and public places a delight for homefolks as well as impressive to the visitor by planting the kind of plants that thrive best, it is always in order to consult Mr. Isherwood to get the best results. Visitors at the greenhouses are always welcome and the blooming flowers, immense hedge of fragrant sweet peas are a source of wonder and delight. The accompanying view gives an idea of the extent of the plant, but only a personal visit will convince of the large work going on and the up-to-date-ness of the plant.

An exclusive funeral livery service, the only one in Chillicothe or northern Missouri, is what M. W. Litton & Son offer in the line of up-to-the minute service for funerals. Their establishment at 509 Elm street, where is kept complete horse-drawn and motor equipment is among the most modern to be found anywhere in the state. A fine brick building covering about 7,000 square feet of ground space is required for the business. It was formerly the custom to secure the casket and other accessories from the undertaker who also arranged for transportation, sometimes using more than was necessary to enlarge his bill. With the service offered by Litton & Son, the undertaker is relieved from furnishing vehicles as he chooses, as many as desired can be ordered from Mr. Litton and paid for at reasonable regular rates. This service is a great boon to persons living in the country who may be without the necessary vehicles to allow them and their families to reach the burial ground, for no matter what section of the county the call comes from; Litton & Son are ready to fill the order and get there in the shortest possible time-a call on their phone, No. 343-will get all the information as to prices and time of arrival. Another advantage-parties ordering this service have the privilege of either horse-drawn or motor vehicles, hearse and cabs, the price for the latter being no more than is charged for horse-drawn carriages and hearse. Patrons of Litton & Sons are assured of getting the very best to be had with every detail looked after the service may be perfect. If horse-drawn vehicles are called for the team are always in trim, good looking and safe, with carriages (closed if desired) clean, sanitary, comfortable and with competent and courteous drivers. The same service is given when motor-drawn vehicles are called for. Prior to going into the exclusive funeral livery service a few years ago, Messrs Litton were engaged in the livery business and had a reputation all over the country for giving an unsurpassed service-this they continued to give. With twenty years in business in Chillicothe they have shown their progressive spirit and have always been identified with the things that have been for the growth and betterment of the town and community.

Twice and sometimes four times a day, and some people more often then this, people living in the north or northwest and pass a show window on North Washington street that they cannot help but admire. It is just north of the Leeper Hotel. A fine glided sign artistically designed and painted on the plate glass of the show window acquaints one with the fact that it is Miller's Millinery.

People stop and admire this window. There is not much in its make-up that is different from other windows; the window pane is regulation plate-glass, the size of exhibiting space resembles other show windows, yet you see people stop in admiration of this particular show window. Its their entertainment on their way to or from business; or if the shopper, its their entertainment as they pass along. What is it about this window that halts, that focuses their eyes and won't let them pass? Its just this: these people are attracted by certain tastes of art and design and the quality of women's head-gear that smacks of originality. Its the fine art of one woman's peculiar idea of taste and design, with a bit of human and the passerby.

The exhibit of the window consists of trimmed hats and flowers and ribbons. these you may see in any window, the colors and articles may be similar, but there is a something about this window that is different; its possessed with a human touch of the real spirit within, the mastership of art and design, that appeals; a pretty safe indication of the ability within to take your order and turn it out to suit you. Depend upon it, if there is something about the show window that appeals to you, as a rule, you will be highly pleased with a purchase from that show window's store.

This window is the voice of the owner within appealing to the customer. Its the owner's individuality and the store's flavor demonstrated in art and design. The same art and tastes mingled with the make-up of a woman's head-wear will equally pleasing to the wearer as well as those with whom the wearer associate.

There is no class of institutions throughout the whole category of business concerns which has so important a bearing upon the general character of a city as its leading hotels. these establishments have an individuality and to the vast majority of the transient traveling fraternity, a city is just what its hotels make it. For it is here the visitor receives his first and his last distinct impressions, and as he is favorably or unfavorably inclined towards his temporary abiding place, in just that measure is he pleased of displeased with the community in which it is located. In hotels the City of Chillicothe is well represented in the Henrietta Hotel, it is among the finest hotels of Livingston county and the service rendered gives every visitor a favorable impression of the city, as an enterprising and progressive city. The Henrietta is housed in a handsome three-story structure 50 x 100 feet in dimension and its location is ideal, being convenient to all depots and all trains are made for the convenience of the traveling public in electric bus service, the best in the state of Missouri. The excellent arrangement, the able management, and the agreeable personality of Mr. H. Parsons, the proprietor, all give the Henrietta a prominence and attractiveness which could not fail to please the most particular guests and business men of the city. the meals served in the dining room are all that could be wished and many business men of the city are regular patrons here. Several large sample rooms have been provided and every facility which adds to the comfort and convenience of salesmen is furnished by management which thoroughly understands the needs and requirements of the commercial traveler. the Henrietta is truly a home in which the tourist, traveling salesman, and the permanent guests are equally well served and well satisfied. the proprietor, Mr. Parsons, is a young progressive man who came here from bowling Green, Missouri, about two months ago and purchased the Henrietta, and since has made many changes in improvements, and gives his whole time and attention to personality looking after the wants of his many guests to see that they are made to feel at home.

With resources of two-thirds of a million dollars, with a record of nearly thirty years of successful banking, with an official board and directorate comprising the best known and leading financiers and business men in Chillicothe, the First National Bank merits the distinction of one of the most solid and substantial of Missouri's financial institutions. Entering the financial field in 1887, the First National Bank sought first the best protection known for their depositors' money, taking out a charter under the national banking law of the United States, which means that the United States government is behind it. The First National Bank started out with a two fold purpose in view, and with a broad and progressive policy in which has been reflected is loyalty to Chillicothe, its institutions and industries in times of stress and times of purposes were to accumulate profits for its shareholders, which it has done, and to help develop and foster the agricultural and live stock resources of the county. As an institution it has ever been foremost with time and money for the advancement of the commercial supremacy of Chillicothe and the general welfare of its people. In this it has represented the character of the men who have been its officers and directors, Each succeeding statement of the First National has shown gratifying gain in resources and deposits; the last on March 7th, 1916 showing a paid up capital stock of $100,000 a surplus fund of $50,000, a gain over the year previous of $10,000, and with deposits in the sum of $461,458.86. Loans on approved security were listed in the sum of $423,917.45, making a total sum of $721,914.86 in resources available.

T. C. Beasley, president, is one of the state's leading bankers and business men; John T. Milbank, vice-president, is a life-long resident of Chillicothe and proprietor of the City Mill;, a large institution; Karl M, Blanchard, cashier, has worked his way up from the position of bookkeeper and is a progressive banker and loyal citizen; H K, Rockhold, assistant cashier is always alert in the interest of patrons of the bank. Of the directors T. C. Beasley, president of the bank; John A. Field and J. F. Oliver are retired farmers and land owners; H. M. Grace is a leading physician and surgeon; Jos. Wallbrunn is a member of the clothing firm of Wallbrunn & Berg; O. P. Clark is proprietor of Clark's Pharmacy; S. O. Glore is a dealer in realty, and A. T. Kirtley, who is a retired capitalist. The First National Bank occupies its own modern banking house at Locust and Webster sts., where every facility is available . for use by customers and depositors, and where every courtesy is extended both to patrons and the public, The First National is a member of the Federal Reserve bank, also the state and national bankers associations. Safe deposit boxes for the safe keeping of money, papers, jewelry and other valuables afford on up to-date service.

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