13717. First National Bank (Wausa, NE)

View Charter #9994 on SPMC

Bank Information

Episode Type
Suspension → Closure
Bank Type
national
Bank ID
9994
Charter Number
9994
Start Date
July 1, 1925*
Location
Wausa, Nebraska (42.499, -97.542)

Metadata

Model
gpt-5-mini
Short Digest
1874a794

Response Measures

None

Receivership Details

Depositor recovery rate
35.9%
Date receivership started
1925-07-09
Date receivership terminated
1930-03-31
OCC cause of failure
Economic conditions
Share of assets assessed as good
28.3%
Share of assets assessed as doubtful
32.5%
Share of assets assessed as worthless
39.2%

Description

The First National Bank of Wausa closed (suspended) on July 6, 1925 and a receiver was appointed. Contemporary reporting describes failures, pledging of bad paper, and alleged irregular/illegal handling of funds by the bank's president, leading to indictment; no explicit contemporaneous description of a depositor run is given in the articles, so this is classified as a suspension followed by permanent closure/receivership.

Events (4)
1. April 19, 1911 Chartered
Source
historical_nic
2. July 1, 1925* Receivership
Newspaper Excerpt
George G. Cronkelton, receiver of the First National bank of Wausa, is suing 96 stockholders ... the bank was closed July 6, 1925. On Aug. 21, 1925 the comptroller of currency issued an order ... demanding every stockholder pay $100 for each share he or she owned.
Source
newspapers
3. July 6, 1925 Suspension
Cause
Bank Specific Adverse Info
Cause Details
Failure/closure tied to bad loans/paper and irregular handling of funds by officers (pledging of bad paper, insolvency), leading to closure on July 6, 1925.
Newspaper Excerpt
the bank was closed. July 6, 1925.
Source
newspapers
4. July 9, 1925 Receivership
Source
historical_nic

Newspaper Articles (12)
1. December 17, 1925 The Wakefield Republican Wakefield, NE
Article from The Wakefield Republican, December 17, 1925

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BANK IS REORGANIZED AND CHANGED BANK Citizenso Wausa have combined to effect the most successful bank reorganization ever brought about under the supervision of state banking authorities, state charter having been issued to the former Commercial National bank there last week. The reorganization called for strenuous work by Wausa people. Before the charter was granted for state bank, it was necessary for some Wausa people to put up cash and pledge their credit personally to take up $157,000 of bad paper in the old Commercial National bank, and to sign contract payment of all the remaining loans, amounting to $250,000, by January 1927. Two complete examinations of its accounts and assets were made before the change was affected. The new bank, which is to be known as the Commercial State bank, has 52 local stockholders. A. H. Banks, one of the wealthiest men of the Wausa community heads this list, as he has acquired $33,800 of the $50,000 capital stock. He to be the president of the new bank. L. Swanson and Leonard Johnson are' to be associated with him as directors, Mr. Johnson also being the vice-president. Renard and Charles Cook, mer president and vice-president, are not to be connected with the managemnt of the reorganized bank. Cook, cashier of the old bank, and Renard, the assistant cashier, will retain the same positions in the new bank. The stock ownership in practically all new hands. Secretary of Trade and Commerce Griggs very much pleased over the way the Wausa people have cooperated to get the bank going. At previous date he had refused an independent application for charter for state bank at Wausa, as he feared might the national bank and make its reorganization impossible. The First National bank, the only other bank Wausa failed last July, with over $600,000 in deposits. It is thought that depositors in that bank will get about 10% or 15% of their money.

2. August 17, 1926 Evening World-Herald Omaha, NE
Article from Evening World-Herald, August 17, 1926

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SUE BANK INVESTORS Wausa Bank Receiver Seeks 100 Per Cent Assessment. Special Dispatch to The World Herald Norfolk, Neb., Aug. G. Cronkelton, receiver ofthe First National bank of Wausa, is suing 96 stockholders in federal court to gain 100 per cent assessment on par value stock they owned when the bank was closed. July 6, 1925. On August 21. 1925. the comptroller of currency issued an order demanding that every stockholder of the bank pay one hundred dollars for each share he or she owned. Some of the stockholders complied with the order it was reported.

3. August 19, 1926 The Hartington Herald Hartington, NE
Article from The Hartington Herald, August 19, 1926

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A Bank Receiver Sues Stockholders George G. Cronkelton, as receiver of the First National bank of Wausa, is suing 96 stockholders of that depository in the federal court here to gain a 100 percent assessment or par value of stock they owned at the time the bank was closed on July 6, 1925. An Aug. 21, 1925. the comptroller of currency issued an order demanding that every stockholder of the bank pay $100 for each and every share he or she owned. Some of the stockholders complied with the order, it was reported.

4. August 19, 1926 Nebraska City News Press Nebraska City, NE
Article from Nebraska City News Press, August 19, 1926

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Receiver Sues Stockholders Aug. George Cronkelton, receiver the First National Wausa. suing stockholders in federal court to gain cent. assessment par value of stock they when the bank July 1925. On 1925. the comptroller currency issued order demanding that every of the bank $100 for each pay share he or she owned.

5. September 29, 1927 The Hastings Daily Tribune Hastings, NE
Article from The Hastings Daily Tribune, September 29, 1927

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ANTHONY PLEADS GUILTY NORFOLK, Neb., Sept. Pleading guilty to 11 counts in charges him with failure of the First National Bank in Wansa, Neb., T. A. Anthony former president of the insti ution, was placed on trial in federal court Norfolk Wednesday before Judge J. W. Woodrough George G. Cronkleton, receiver of the Wausa bank, and H. H. Rose, representative of the feder al reserve system of Kansas City, were the only two wi nesses callat the opening session of court. The present financial condition of the bank and the fact that it was member of the federal reserve mony.

6. September 29, 1927 The Stockman's Journal Omaha, NE
Article from The Stockman's Journal, September 29, 1927

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Former President of Wausa Bank on Trial in Norfolk him with failure the First National bank in Wausa, Neb., Anthony. former president of the was placed on trial in federal court in Norfolk Wednesday before Judge J. W George of the Wausa bank H. Rose, tive the federal system of Kansas City only two called the opening session of court. The present financial condition of the bank and the fact was member the federal system were brought out testimony.

7. October 4, 1927 Norfolk Daily News Norfolk, NE
Article from Norfolk Daily News, October 4, 1927

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BANK RECEIVER IN ANTHONY CASE GEORGE CRONKELTON IDENTIFIES RECORDS OF DEFUNCT INSTITUTION. MRS. IDA DAVIS ON STAND Indications Are That Trial Of Former Wausa Banker Will Not Terminate Until Last of Week; More Jurors Selected. Additional evidence was introduced by the prosecution intended to show that Anthony, formpresident of the defunct First National bank of Wausa, now on trial in federal court here, was irregular in handling funds of customers, when court was resumed Monday afternoon after the weekend. George Cronkleton, receiver of the bank, identified exhibits not heretofore identified, being records and papers of the bank. He testified about the pledging of certain notes by Anthony to secure, it is alleged, Anthony's own indebtedness to the bank, Anthony having made pledge in writing which was produced in court. This was list of about twenty-four notes made by various persons in sundry amounts, which were notes in which Anthony had some interest and which he assigned to the bank as notes and overdrafts owed by him when the bank quit business, the evidence showed. Tells of Collections The receiver also testified that he had not collected any of the notes on the list turned over by Anthony, in any substantial amounts, but had foreclosed mortgage and bid in the property. The testimony of Duran Rutherford, Page, and Mrs. Ida Davis, Oakland, was in effect that Anthony, as agent for Mrs. Davis, had collected $500 in May, 1924, for her from Rutherford in part payment of mortgage held by Mrs. Davis; that Anthony kept the amount and did not let Mrs. Davis know he had collected It until the spring of 1925 when she learned of the fact from Rutherford. Mrs. Davis also stated that she had correspondence with Anthony who told her that he had kept the money as it was not yet due and he supposed she would not want the money. She said that the defendant settled with her in the spring of 1925 by giving her $100 in cash and by giving her note for $400, and later paid her $100 of the note. Mrs. Berggren Testifies Mrs. Berggren of Pierce, formerMiss Johnson of Wausa, employe in the bank, identified the deposit slip showing the Rutherford payment deposited to the credit of Anthony's account, The two personal accounts kept in the name of W. B. Howard also looked familiar to Mrs. Berggren. As notary public Mrs. Berggren testified that she certified the ack nowledgement of signatures of An thony and wife to the Oscar Samson mortgage, which Samson, according to his testimony last week, did not know he ever had. This mortgage executed by Anthony to Samson, but he did not owe Samson that amount of money as his only indebtedness to Samson was little more than $6,000 on account of note collected for Sam. son but had not been remitted, it is claimed. Indications are that the Anthony case will not be placed in the hands of the jury until the latter part of this week. The defense is expected they enjoyed a successful hunting trip. The men shot their limit of ducks. Mrs. Carl Adamson and Edmund were among the residents of other towns in Norfolk Monday, coming from Newman Grove. Mr. and Mrs. Nick Oberle and son, George, were among the outof-town visitors in Norfolk Monday, coming from Verdigre. The Rev. S. Sharpless has gone ot Wayne to attend the annual meeting of the Synod of Nebraska in the Wayne Presbyterian church, Tuesday, Wednesday and Thursday. Mrs. Hopkins and daughted, Jettabee, of Stanton, were here Monday, Miss Hopkins being on the program of the Norfolk Woman's club for readings, Will M. Maupin of the Omaha Bee staff was in Norfolk Monday on his way to Neligh where he dressed the Rotary club in the evening Fred Nordwig, father of Mayor Paul Nordwig, and Mr. and Mrs. John Legier, all of Sioux City, are visiting at the Nordwig home this week. Mr. and Mrs. Boyle and daughter, Dorothy, have returned from Grand Island, where they Sunday with Carrie and Kenneth, are attending Baptist college. Early Ohio potatoes. 7th and Park Ave. Phone

8. October 11, 1927 Norfolk Daily News Norfolk, NE
Article from Norfolk Daily News, October 11, 1927

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that Anthony never had been in this vault since ANTHONY TELLS he (Cronkelton) was appointed receiver of the bank in July, 1925. Count No. of the indictment charges Anthony abstracting COURT OF NOTES three notes from the bank and depositing them with the Livestock National bank at Omaha as collateral security for indebtedness ow. IN WAUSA BANK Ing by Anthony to that bank. On last week TESTIFIES REGARDING PAPER HE IS ACCUSED OF ABSTRACTING. EX-BANKER STILL ON STAND Defendant Says He Frequently Paid Notes Purchased By Other Banks From Wausa Institution From His Own Funds. Theodore Anthony, former president of the defunct First National bank of Wausa, who 12 charg ed with violating the national banking laws, and trial in federcourt here has been going on for about two weeks, will probably be or the stand all day today, having started his testimony yesterday afternoon when the court reconven. ed after the week-end. After the government closed its case by introducing some evidence in the form of records, Attorney Fred Berry, Wayne, who is defending Anthony, filed motion to in struct the jury to return verdict of not guilty, which the court over. ruled. The defendant, Anthony, was called to the stand. Count No. of the indictment charges Anthony with abstracting note amounting $11,044, executed to the Wausa bank by Algot Carlson. Berry examined Anthony on the transaction and introduced evidence to show that Carlson owed the bank at one time $16,100 that was excess loan, and that Anthony from his funds paid the bank and took out of the bank one of Carlson's notes for that amount. Lost $2,000 Carlson owned farm and Anthony secured loans for Carlson and Carlson's real estate for $13,000 and paid that amount indebtedness Carlson owed the bank, it was offered as evidence. Carlson gave Anthony note for $11,000 and Anthony lost $2,000 in the transaction, the defense introduced evidence to show. The $11,000 note which Anthony is accused of abstracting was renewal of the $11,000 note, and the note for $11,044 was found in some of Carlson's old paper which had been stored the downstairs vault of the bank, the receiver of the bank having this note in his possession at the time the trial commenced. the defense contends. George Cronkelton. receiver of the bank, previously testified on the cashier of the Livestock National bank, George L. Johnson, testified that the Livestock National bank not only was holding indebtedness owing to it by Anthony personally, but that the bank had bought notes from the Wausa bank, and that the Omaha bank was try. ing to make the Wausa bank take up these notes. Tells of Three Notes Anthony testified that the three notes he is accused of abstracting were placed by him, with the consent other officers of the Wausa bank, with the Livestock National bank as collateral security to the Wausa bank's obligation in the Omaha institution; that the Livestock Natitonal bank never made any claim of It to hold the notes for Anthony's personal indebtedness until after he had severed his connection with the Wausa institution. Further testimony of Anthony was that a few days before these three notes placed with the National bank he had paid the Omaha bank on his personal indebtedness to that bank and had renewed his notes to that institution for the balance owing and had also given the bank some of his own assets as collateral security; that at the time these three notes were left by him with the Livestock National bank his own indebtedness to that institution was not mentioned in any way and that the only talk tween himself and Johnson, the cashier, was in regard to securing the obligation of the Wausa bank the Livestock National bank. Didn't Keep the Books Anthony also testified as to the different officers and bookkeepers the Wausa bank, saying that he paid no attention whatever to the keeping of the books in the bank as this was left to employes; that occasionally on some particular transaction he was handling he might have made an entry on the books, but had seldom done it and all entries were made by the employes. Anthony stated that when the hard times came, and bank deposits began to shrink and it was Impossible on account of the depression to collect notes owing to the

9. October 13, 1927 The Wausa Gazette Wausa, NE
Article from The Wausa Gazette, October 13, 1927

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T. A. ANTHONY CASE AS IT PROGRESSES (Continued from page 7) venes Mondtay. When the Anthony case is finised Claude M. Baird, former cashier of the Wausa bank, who is charged with violation of the national banking laws, will go on trial, Wilha Froelich, assistant United States attorney, announced yesterday when court adjourned for the week-end. The Norfolk Daily News, Tuesday. October 11. 1927. Theodore A. Anthony, former president of the defunct First National bank of Wausa who is charged with violating the nationa] bank lews. and whose trial in federal court here has been going on for about two weeks. will probably be on the stand all day today, having started his testimony yesterday afternoon when the court reconvened after the week-end. After the government closed its case by introducing some evidence in the form of records, Attorney Fred Berry, Wayne who is defending Anthony, filed a motion to instruct the jury to return a verdict of not guiilty which the court over-ru(led. The defendant, Anthony was called to the stand. Count No. 1 of the indictment charges Anthony with abstracting a note :mounting to $11,044. execute to the Wausa bank by Algot Carlson Berry examined Anthony on the transaction and introduced evidence to show that Carlson owed the bank at one time $16,100 that was an excess ban, and that Anthony from his personal funds paid the bank $8,000 and took out of the bank one of Carlson's notes for that amount. Carlson owned a farm and Anthony secured loans for Carlson and on Carlson's real estate for $13,000 and paid that amount of indebtedness Carlson owed the bank, it W.24S offered as evidence Carlson gave Anthony a note for $11,000 and Anthony lost $2,000 in the transaction the defense introduced evidence to show. The $11,000 note which An thony is accused of abstracting was a renewal of the $11,000 note, and the note for $11,044 was found in some of Carlson's old pripers which had been stored in the downstairs vault of the bank the receiver of the bank having this note in his possession at the time the trial commenced. the defense contends. George Cronkelton, receiver of the bank. previously testified on cross-examination that Anthony never had been in this vault since he (Cronkelton) was appointed receiver of the bank in July, 1925.

10. October 21, 1927 The Sioux County Index Hull, IA
Article from The Sioux County Index, October 21, 1927

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SITE FOR BIG DAM Fort Dodge, Webcounty board supervisors that the state executive board permit Rapids interests build power dam across the Des Moines river Dolliver state The state board of the construction the palnt within the park, and the executive board's permit to the dar Rapids group for dam two miles north of the state Despite the objections voiced by the many Fort Dodge persons believe the value would by the lake formed by dam, and will urge tion in the Dolliver area. AUTO ACCIDENT IN LOSS OF LEG Spencer, Lawson of Lake Park met with automobile accident between Lake Park and Milford. which will necessitate having his leg amputated at the hospital here. leg was broken between the knee and ankle and an causing limb below the wound on account of circulation being cut off. belonging to Mr. had into the ditch, and two with lanterns were helping him into the road. Jorn firmerly of Spencer, the men with the lanterns and drove between them, hitting Mr. Lawson he could not him. see BANKER'S MIND NOT GOOD Norfolk, Neb., health and poor mental condition resulted in Theodore Anthony drawaway from the daily routine of the First National bank of Wausa, which he was testified Claud Baird, former of the bank, in court Thursday ternoon. Anthony being tried in connection with failure of the bank. Testimony Baird bore out general the contention of Anthony when he questioned on the stand regarding an allegedly "fake" ledger account of man named

11. November 21, 1929 The Creighton News Creighton, NE
Article from The Creighton News, November 21, 1929

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Thursday, November 28th, is not directly a legal statutory holiday by recital, but becomes such by proclamation of the Governor of the State, and by the President of the U. S. A. In Center, as elsewhere in the county, the day will be observed by cessation from labor to a large extent. Doctors Francis of the Federal, and Hays of the State Departments of Agriculture, were in Center during the week on business pertinent to the tuberculin testing of cattle and in conference with Dr. James Klopp, who is in charge of the campaign in Knox county. Congressman Edgar Howard was pictured in a metropolitan daily recently. He was shown in the atitude of inspecting a Nebraska ear of corn 24 inches in length. He is said to have had it displayed in his Washington, D. C. headquarters that easterners particularly might admire and view the sample of Nebraska's corn fields. The jury term of the District Court for Knox County is under way in Center this week and a considerable number of residents of the County were transacting business at the county seat at the same time. The campaign of the tuberculín testing of cattle in Knox County is expected to be completed in its initial form by January 1st, 1930. More than a dozen veterinarians are at work in alloted areas in the County. A very small percentage of the total number of cattle tested are reactors, according to reports. The greatest percentage of reactors for an individual occurred west of Niobrara where twothirds of a small herd showed tubereular reaction and in the vicinity of Bloomfield the greater percentage of numbers were found scattered in several sections. The 1929 legislature appropriated $60,000 for editing, compiling and publishing statutes for Nobraska, none of which have, as yet, been obtained at the county seat, excepting the session laws for 1929. Fees for registration of name for ranch or farm and for certificate of such are $1.00 in each ind stance. The registration record discloses the names of fifty-three farms or ranches to be registered in Knox county Members of the Knox County Board of Supervisors have been summoned to appear in Omaha on Dec. 9, 10 and 11 to attend the annual convention of County Supervisors, Commissioners, County Clerks and Registers of Deeds. John D. Forsyth, chairman of the Knox County Board of Supervisors, is an incumbent vice president of the mentioned state association. George G. Cronkleton of Plainview has been appointed as Receiver of the First National Bank of Wausa to fill the vacancy caused by the resignation of M. E. Jensen. Final dividend of this bank, which suspended several years ago, has not been anonunced. Knox County's share of the available gas tax for October, 1929 was $2,386.09, according to a receipt on file. Probably the greatest number of miles of gravel to have been placed on county roads in one year will been accomplished in Knox County by January 1, 1930 Tax lists for 1929 for both real estate and personal property have been turned to the Knox County Treasurer, with the exception of one interstate industrial organization which, through court action, has made it temporarily prohibitive for the state tax commissioner to certify the existant assessable valuation in Knox County. Much information is contained in a map of Knox County which may be had from the County Clerk's office for 25c. Schools, roads, streams, railways, towns, and highways are featured in splendid outline and townships are enumerated and named. Other and usual map features make it desirable. It is compactly enclosed in a pocket sized folder. B. J. Huigens transacted business matters in Norfolk Friday. H. Guhlke was over from Bloomfield Tuesday afternoon attending to business matters. Miss Emma Veenker spent Sunday in Pierce with friends. She went down Saturday evening. G. Grabowski was a returning passenger from Omaha, where he had marketed two carloads of hogs. Misses Ethel and Julia Johnsen visited over the week end with friends in Omaha. They went down on Saturday morning. Mrs. Edwin Pavlik and children came down from Verdigre Saturday morning and visited over Sunday with Mrs. Pavlik's parents, Mr. and Mrs. Wm. Guenther, east of town. LOCAL NEWS Mrs. Mable Jasmer was a visitor in Norfolk Thursday. Miss Leona Johnson went to Stromsburg, Nebr., Friday to assist her aunt, who is ill. Nick Oberle was a returning passenger from Omaha Saturday morning, where he marketed stock. Miss Leafa Butterfield returned to Norfolk Friday after spending few days with her parents at Walnut. Dr. M Kile motored to Omaha Friday to attend an eye clinic. He was accompanied by Mrs. Kile, who visited friends. Mrs. Guy Wertz and son Billie returned to Omaha Thursday, after spending a week with her parents, Mr. and Mrs. J. H. Stoddard, and to care for her mother, who was ill for several days. Mrs. Albert Tinchert left for Dubuque, Iowa, Friday morning to attend the funeral of Mr Tinchert's niece, Mrs. Agnes Schubert. On account of illness Mr. Tinchert was unable to make the trip. Mrs. N. L. Raymond returned home on Friday morning from Butte, N. D., where she spent several months visiting with her daughter and law, Mr. and Mrs. Lutie Brown and family Mr. and Mrs. Grant See, who have been in the vicinity of Center for the past two months picking wild cucumber seeds for the Robinson Seed House of Waterloo, Nebr., returned to home in Fremont Thursday evening. Wilbert Pangburn. motored to Creighton from Dante, S. D., on Thursday evening to look after some business matters and he greeted many old acquaintances. Wilbert is located on a farm near Dante and he states that the farmers in that locality had a splendid crop of corn and small grain this year. Mrs. Mark Oster and son John Arnold, and her sister, Mrs. Struch arrived Thursday from Chicago, and spent several days visit with their aunt, Mrs. Henrietta Wieschendorf, and their cousin, Mrs. Molly Saunders. They came as far as Sioux City by auto. Mrs. Oster and her husband recently returned from a trip abroad, visiting the countries of Italy, France, Spain, Switzerland. and Germany. Miss Theodora Raab, a teacher in foreign lands, arrived in this city Friday to visit her friend, Miss Margaret Seeck. Miss Raab met Miss Seeck, at Columbus, O., during the National Convention of M. E. Foreign Missionaries, and following the convention Miss Raab has been visiting relatives in the east, and is now on her way home to Pasedena, Calif. As the distance was so close, she took this occasion to visit her coworker, before going home. These ladies are both home on a furlough at the present time, and are engaged in this line of work in the country of China.

12. November 28, 1929 Bloomfield Monitor Bloomfield, NE
Article from Bloomfield Monitor, November 28, 1929

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How Do You Do? Norfolkans extend hearty welcome to Mr. and Mrs. George 1. Parker of Newcastle, who have recently moved to this city. They will make their home at 510 South 12th street, having moved into a home at that address m Monday of this week, Mr. Parker is member of the state guarantee fund commission and will make Nor 'olk his headquarters in the future He is to be in charge of the affairs of all closed and failed banks in this district, the third, being in charge of he territory 0 er which J. Floyd Me Lain, formerly of this city, had super ision for some time. Mr. McLain VHN recently transferred from Norfolk to Omaha Residents of this city are happy to welcome the Parkers, who ave taken an active part in social and Ivic affairs in Newcastle, and are expected to make many friends in this city and community. The above article taken from the Norfolk Press will be of interest to a great number of people residing in the community Mr. Parker was well nown In the vicinity. through his active part in the liquidation of the old Citizens State Bank. of which he was receiver. Now that he has moved to Norfolk, he will be centrally located, and keep in touch with the large num ber of closed banks which are in the hands of receivers to be liquidated. The 1929 legislature appropriated $60,000 for editing, compiling and publishing statutes for Nebraska, none of which have, as yet, been obtained at the county seat, excepting the session laws for 1929. Fees for registration of name for ranch or farm and for certificate of such are $1.00 in each instance. The registration record discloses the names of fifty-three farms or ranches to be registered in Knox county. Members of the Knox County Board of Supery have been summoned to appear in Omaha on Dec 9. 10 and 11 to attend the annual convention of County Supervisors, Commissioners, County Clerks and Registers of Deeds John D. Forsyth, chairman of the Knox ounty Board of Supervisors, is an incumbent vice president of the mentioned state association. George G. Cronkleton of Plainview has been appointed as Receiver of the First National Bank of Wausa to fill he vacancy caused by the resignation if M F. Jensen. Final dividend of this bank, which suspended several years ago, has not been announced Knox County's share of the avail able gas tax for October, 1929, was $2,386.09, according to receipt on Probably the greatest number of miles of gravel to have been placed in county roads in one year will have been accomplished in Knox County by January 1930. Tax lists for 1929 for both real estate and personal property have been turned to the Knox County Treasurer. with the exception of one interstate industrial organization which. through ourt action. has made it temporarily prohibitive for the state tax commis sioner to certify the existant asses sable valuation in Knox County. Much information-is contained in a map of Knox County which may be had from the County Clerk's office for 25c. Schools, roads, streams, railways, towns, and highways are featured in splendid outline and named. Other and usual map features make desirable. It is compactly enclosed in a pocket-sized folder. If perplexed about choosing a Yule Tide gift for some dear friend or relative, why not pleasantly surprise them with year's subscription to the Monitor? It will give joy and cheer throughout the year. Do It now