16942. First National Bank (Saratoga Springs, NY)

View Charter #893 on SPMC

Bank Information

Episode Type
Run → Suspension → Reopening
Bank Type
national
Bank ID
893
Charter Number
893
Start Date
June 25, 1904
Location
Saratoga Springs, New York (43.083, -73.785)

Metadata

Model
gpt-5-mini
Short Digest
6179ffce

Response Measures

Full suspension, Books examined

Other: Receiver appointed and later bank restored to solvency and resumed business.

Description

A run began on or about Saturday June 25, 1904 (reports 27 June). Bank was closed by order of the Comptroller/examiner and receiver appointed June 27, 1904. Bank was restored to solvency and resumed business Aug 18-19, 1904. Cause combines run on nearby Citizens' National (local bank distress) and local rumors about a cashier change; primary trigger classified as local_banks per newspaper text.

Events (4)
1. March 14, 1865 Chartered
Source
historical_nic
2. June 25, 1904 Run
Cause
Local Banks
Cause Details
A run on the nearby Citizens' National began Saturday and small depositors continued withdrawals; local conjecture about cashier change at First National added to excitement.
Measures
Directors requested controller/examiner to close the bank to avoid further withdrawals; bank did not open.
Newspaper Excerpt
A run was started on this institution on Saturday
Source
newspapers
3. June 27, 1904 Suspension
Cause
Government Action
Cause Details
At the directors' request and by order of the Comptroller of the Currency (via National Bank Examiner Van Vranken) the bank was closed and the examiner was appointed receiver.
Newspaper Excerpt
The First National Bank of Saratoga was not opened for business today. A notice ... stated that at the request of the directors and by order of the controller of the currency, the bank was closed.
Source
newspapers
4. August 18, 1904 Reopening
Newspaper Excerpt
has been restored to solvency and resumed business today as an active national banking association.
Source
newspapers

Newspaper Articles (15)
1. June 27, 1904 Evening Star Washington, DC
Article from Evening Star, June 27, 1904

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Article Text

SARATOGA BANK CLOSED. Run on the Citizens' National - Confidence Restored. SARATOGA. N. Y., June 27.-The First National Bank of Saratoga was not opened for business today. A notice. signed by National Bank Examiner Van Vranken and posted on the door, stated that at the request of the directors and by order of the controller of the currency, the bank was closed. A run on the Citizens' National Bank, which was begun Saturday, was continued today by the small depositors. The run led many to be apprehensive of a financial raid by small depositors on the First National Bank. The announcement last Saturday in the local newspapers that William H. Bockes, for many years cashier of the First National Bank, had been superseded as cashier by ex-Village President Robert F. Milligan, led to many conjectures that added to the local excitement. One of the First National Bank directors, on being interrogated in regard to the closing of the institution, today said: "We felt yesterday that our bank would undoubtedly be compelled to meet a run, and we did not have money enough on hand to meet such a run as the Citizens' National is having now, and not having sufficient time to procure the needed financial assistance to meet all demands that might be made, we requested the controller of the currency, through Bank Examiner Van Vranken, to close our bank, and thus avoid the run. The deposits in our bank reach over $700,000. The suspension is but temporary, I hope." The run on the Citizens' National ended at 11 o'clock today. Many depositors who drew out funds are again depositing. The First National Bank of Saratoga Springs, N. Y., was closed today by direction of the acting controller of the currency. A run was started on this institution on Saturday, and as it was not in a condition to meet its demand liabilities the examiner was instructed to not permit the bank to reopen this morning if there was any Indication of a renewal of the run. Tte national bank examiner, Josiah Van Vranken, has been appointed receiver. The following is a statement of the resources and liabilities of the bank, as shown by its last report of 1904: condition to the controller, dated June 9, Resources: Loans and discounts, $932,503; United States bonds, $125,000; bonds, securities, etc., $51,605; real estate, $82,622: due from other banks and bankers, $46,911; cash and cash items, $61,609; total, $1,300,253. Liabilities: Capital stock, $125,000; surplus and undivided profits, $90,680; circulation, $125,000; due to banks and bankers, $29,016; deposits. $764,320; rediscounts and bills payable, $166,235; total, $1,300,253. Owed Depositors $890,000. NEW YORK, June 27.-The First National Bank of Saratoga Springs, according to a recent statement, owed depositors $890,000. Its paid-up capital was $125,000, and it had among its assets $1,018,000 in loans, discounts, stocks and securities, and $100,000 in cash and exchanges.

2. June 27, 1904 Deseret Evening News Salt Lake City, UT
Article from Deseret Evening News, June 27, 1904

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Article Text

Saratoga Bank Not Opened. Saratoga, N. Y., June 27.-The First National bank of Saratoga was not opened for business today. A notice signed by Bank Examiner Van Vranken and posted on the door, stated that at the request of the directors and by order of the controller of the currency. the bank was closed. A run on the Citizens' National bank which was begun Saturday, was continued today by the smaller depositors. New York, June 27.-The First National bank of Saratoga Springs, according to a recent statement, owed depositors $890,000. Its paid up capital was $125,000. and it had among its assets $1,018,000 in loans, discounts, stocks and securities, and $100,000 in cash and exchanges.

3. June 29, 1904 Watertown Republican Watertown, WI
Article from Watertown Republican, June 29, 1904

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Article Text

NEW YORK BANK CLOSES. Saratoga Institute Does Not Open for Business-Owes Depositors $890,000. Saratoga, N. Y., June 27.-The First National bank of Saratoga was not opened for business today. A notice signed by National Bank Examiner Van Vranken and posted on the door stated that at the request of the directors and by order of the controller of the currency the bank was closed. A run on the Citizens' National bank, which was begun Saturday, was continued today by the smaller depositors. New York, June 27.-The First National bank of Saratoga Springs, according to a recent statement, owed depositors $890,000. Its paid-up capital was $125,000 and it had among its assets $1,018,000 in loans, discounts, stocks and securities and $100,000 in cash and exchanges.

4. June 29, 1904 Grant County Herald Lancaster, WI
Article from Grant County Herald, June 29, 1904

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Article Text

New York Bank Closed. Washington, June 28.-The First National bank, of Saratoga Springs, N. ¥., has been closed by direction of the acting comptroller of the currency. A run was started on this institution on Saturday and as it was not in a condition to meet its demand liability the examiner was instructed to not permit the bank to reopen if there was any indication of a renewal of the run. National Bank Examiner Josiah Van Vranken, has been appointed receiver.

5. June 30, 1904 The Manitowoc Pilot Manitowoc, WI
Article from The Manitowoc Pilot, June 30, 1904

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Article Text

Heavy Russian Loss. Rome, June 27.-A dispatch from Tokio to the Giornale d'Italia says the Russian Admiral Prince Uhtomsky and 750 men were drowned when the battleship Peresviet was torpedoed and sank. A dispatch from Chefoo to the Agenzia Libera says Gen. Stoessel made a sortie from Port Arthur on Friday with 7000 men, but was repulsed. The Japanese commander sent an envoy to the Russian commander, advising him to capitulate with honors of war. Several Japanese steamers at Dalny are said to be loading with stones with a view of another bottling operation. NEW YORK BANK CLOSES. Saratoga Institute Does Not Open for Business-Owes Depositors $890,000. Saratoga, N. Y., June 27.-The First National bank of Saratoga was not opened for business today. A notice signed by National Bank Examiner Van Vranken and posted on the door stated that at the request of the directors and by order of the controller of the currency the bank was closed. A run on the Citizens' National bank, which was begun Saturday, was continued today by the smaller depositors. New York, June 27.-The First National bank of Saratoga Springs, according to a recent statement, owed depositors $890,000. Its paid-up capital was $125,000 and it had among its assets $1,018,000 in loans, discounts, stocks and securities and $100,000 in cash and exchanges.

6. July 7, 1904 The Cooperstown Courier Cooperstown, ND
Article from The Cooperstown Courier, July 7, 1904

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Article Text

THE NEWS IN BRIEF. For the Week Ending July 1. Clement Scott, the dramatic critic. died in London, after a prolonged ill ness. A cablegram from Manila announces the death there of Archbishop Guidi. Heart failure was the cause of death. In a quarrel between John Wainscott and Channely Cardinal at Madison, Ind. Cardinal shot and instantly killed Wainscott. The forty-third annual convention of the National Education association formally convened at the world's fair grounds at St. Louis. The first national bank of Saratoga Springs, N. Y., was closed by direction of the comptroller of the currency. A run on the institution caused the failure the of vicinity An unusually Belton, heavy Mo., hail and storm Manhatton in Kan., has done much damage to crops and orchards and broken hundreds ol winodw panes. Through the accidental explosion of & rocket at Kiel, Germany, on board the cruiser Juno, one of the English vessels escorting the royal yacht, two of the crew were killed. Prof. W. J. Hussey, of the University of de at Lick has partment California astronomical observatory, just announced his discovery of 100 new double stars. James Dewar, a wealthy Scotchman he likes so has a 700-acre says purchased America he farm well in he North to Carolina, on which proposes reside three months in the year. A locomotive boiler exploded on the Pennsylvania railroad while going up the mountain, 50 yards from Ehrenfeld station, Pa., killing three men. injuring two others, one of them fatally. wind seriously the wheat damaged Heavy rain, crop and in hall the central of Kansas. of portion have been Large fields by wheat flattened out the storm. The harvest was about to begin. John B. Stewart, 53 years of age, was almost husband of his shot and step-daughter, instantly killed Samuel by the 24 of at in as the a Peck, Collinwood, years O., age, result their of home family row. Nine millions of acres of government land in Nebraska have been thrown open to homestead entry Tuesday under the provisions of the Kinkaid law. file by which homesteaders may upon 640 acres. Col. Edward Butler, a prominent St. Louis politician, came into court in answer to a bench warrant charging him with bribing a witness. He was released on a bond of $10,000, with John O'Brien as surety. New York Central locomotive, No. 999, the run the State made Empire famous as express, first engine and to which was exhibited at the Chicago world's fair, is now hauling a milk train in New York state. Frederick Field Bullard, a wellknown organist and musical composer, died in Boston of are known compositions pneumonia. Ferrara" "The His Stein best- and Song," "The Sword of "The Nottingham Hunt." The stockholders of the State National bank of the Euclid of and consolidate Park bank the Cleveland, O., voted to The to iaztion two converns. amounts $2,000,000. combined The capital- deposits aggregate $12,000,000. James Cowan, a Mojave, Cal., miner, charged with the murder of James a who was at on March 19, was of Cummings, Mojave negro, conviced lynched The jury the to the mercy manslaughter. prisoner of recommended the court. T. a young his was shot physician, Dr. Seymour Jarrecki, and killed at home Col. Two shots were in Denver, entering his body fired, one bullet near the heart. Apparently he had been called to the door and assassinated. The murderer escaped. bureau at Washington the estimates The pension that "unknown army" of veterans made eligible for pensiona under the new order of President Roosevelt will not exceed 25,000 men, and of these less than 3,000 have applied for pensions. exthat former presses Judge hope George Gray, of Delaware, President will be nominated for Grover presidency Cleveland by the St. Louis the convention. Next to Cleveland he favors Judge

7. July 8, 1904 The Worthington Advance Worthington, MN
Article from The Worthington Advance, July 8, 1904

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Article Text

National Bank Closed. Washington, June 28.-The First national bank of Saratoga Springs, N. Y., was closed Monday by direction of the A run comptroller of the currency. was started on this institution on Saturday, and as it was not in a condition to meet its demand liability, the examiner was instructed to not permit the bank to reopen Monday morning, if there was any indication of a renewal of the run.

8. July 8, 1904 The Ely Miner Ely, MN
Article from The Ely Miner, July 8, 1904

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Article Text

A WEEK'S RECORD All the News of the Past Seven Days Condensed. HOME AND FOREIGN ITEMS News of the Industrial Field, Personal and Political Items, Happenings at Home and Abroad. THE NEWS FROM ALL THE WORLD DOMESTIC. Three persons lost their lives and half dozen others were injured as the result of the explosion of a small bundle of fireworks in the storeroom of the Diamond Fireworks company in Philadelphia .Harry Jacobs, Harry Brooker and John Bloom were drowned by the accidental capsizing of a boat in which they were making a fishing trip on the Illinois river, near Morris, Ill. The First national bank of Saratoga Springs, N. Y., was closed by direction of the comptroller of the currency. A run on the institution caused the failure. New York Central locomotive, No. 999 made famous as the first engine to run the Empire State express, and which was exhibited at the Chicago world's fair, is hauling a milk train in New York. John B. Stewart, 53 years of age, was shot and almost instantly killed by the husband of his step-daughter, Samuel Peck, 24 years of age, at their home in Collinwood, O., as the result of a family row. A small blaze which started in a jewelry store resulted in a general conflagration which destroyed the main portion of the town of Sisson, Cal. Loss, $300,000. George Rice, of Ohio, who for 30 years has been fighting the Standard Oil company, filed a suit in the New Jersey court under the federal anti-trust laws, seeking the dissolution of the combine as an illegal corporation. The decision of the supreme court in the Northern Securities case is relied upon in the prosecution Railroads are preparing to make a campaign for a law legalizing pooling of traffic Western roads are seeking a remedy for the alarming number of claims made for losses and damage on account of overs, shorts and bad orders in freight. Frank L. Stewart is held in New York on the charge of stealing $600 worth of jewelry from Henry B. Kingsley of Rutland, Vt. who disappeared from that city last November Customs officers in New York discovered a false bulkhead on the steamer Indrawadi, behind which was hidden $8,000 worth of smuggled goods. The coroner's jury, after investigation of the General Slocum disaster, returned a verdict declaring the immense loss of life due to misconduct on the part of the directing owners of the vessel, charging the captain and chief equipment officer with criminal responsibility, accusing the mate of cowardly conduct and censuring Government Inspector Lundberg. Warrants for the accused men were issued and several arrests made. Helen Keller, the deaf, dumb and blind young woman, received the degree of bachelor of arts, with high honors, at Radcliffe college. Rumor of finding the body of Assistant Secretary of State Loomis' brother near Cherbourg, France, is declared false, and a witness reiterates he saw Loomis land at Plymouth. Syracuse university won the eightoared race in the intercollegiate regatta at Poughkeepsie, with Cornell in second place. Wisconsin finished sixth and last. Charles A. Gutke, member of St. Louis house of delegates' combine, confessed details of boodle transactions. Casualties in various parts of the country cost 18 lives. A 14-year-old colored boy at Lexington, Ky. received 50 lashes in the public square by order of a police judge. Thousands rushed to enter homesteads on a 9,000,000 acre tract of government land in Nebraska. The National Educational association convened in St. Louis, with 30,000 in attendance. Shippers' associations have been organized to fight the "uniform bill of lading" and other disputes with railroads. The weather bureau has issued a report that the corn crop is practically made in many sections. As the result of a rowboat capsizing in the Allegheny river at Pittsburg, Henry Hillston and Earnest Halbey were drowned, and two companions had a narrow escape from a similar fate. Benjamin Rhodes and Wilson Reed, contractors of Springfield, Ill., were killed Tuesday while engaged in sinking a new shaft. The hook on the bucket in which they were being lowered into the shaft broke, letting them fall 90 feet. A heavy wind and hail storm at La Cross, Wis., wrecked a building at the interstate fair grounds and huge trees were uprooted. The damage to crops was heavy. An attempt was made to lynch Charles L. Allison, a well-known citizen and Sunday school worker of South Haven, Mich. who was arrested on the charge of criminally assaulting four-year-old Edith Secor.

9. July 8, 1904 The Worthington Advance Worthington, MN
Article from The Worthington Advance, July 8, 1904

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THE NEWS IN BRIEF. For the Week Ending July 3. George Frederick Watts, the painter, died in London of bronchitis. The National Educational assoelation convention ended its session in St. Louis. In a quarrel between John Wainscott and Channely Cardinal at Madison, Ind., Cardinal shot and instantly killed Wainscott. The first national bank of Saratoga Springs, N. Y., was closed by direction of the comptroller of the currency. A run on the institution caused the failure. The remains of Daniel Decatur Emmett, the author of the song, "Dixie," who died June 28, were laid to rest in Mound View cemetery, Mount Vernon, O. John Jones, the negro assailant of Mrs. Banister, was lynched near Cartersville, Ga. The negro's body was riddled with bullets, more than 500 shots being fired. Secretary Hay and Minister Quesada have exchanged ratifications of the permanent treatly between America and Cuba, embodying the Platt amendment. After a separation of a year and a half, Lester May, formerly connected with a Brooklyn newspaper, killed his wife and committed suicide at Ocean Grove, N. J. An unusually heavy hall storm in the vicinity of Belton, Mo., and Manhatton, Kan., has done much damage to crops and orchards and broken hundreds of winodw panes. Through the accidental explosion of a rocket at Kiel, Germany, on board the cruiser Juno, one of the English vessels escorting the royal yacht, two of the crew were killed. Joseph R. Ryan, national democratic committeeman from Nevada, and head of the Nevada delegation to the democratic national convention, died in St. Louis, of pneumonia. A locomotive boiler exploded on the Pennsylvania railroad while going up the mountain, 50 yards from Ehrenfeld station, Pa., killing three men, injuring two others, one of them fatally. John B. Stewart, 53 years of age, was shot and almost instantly killed by the husband of his step-daughter, Samuel Peck, 24 years of age, at their home in Collinwood, O., as the result of a family row. Col. Edward Butler, a prominent St. Louis politician, came into court in answer to a bench warrant charging him with bribing a witness. He was released on a bond of $10,000, with John J. O'Brien as súrety. ) Frederick Field Bullard, a wellknown organist and musical composer, died in Boston of pneumonia. His bestknown compositions are "The Stein Song," "The Sword of Ferrara" and "The Nottingham Hunt." The stockholders of the State National bank and of the Euclid Park bank of Cleveland, O., voted to consolidate the two converns. The combined capitallaztion amounts to $2,000,000. The deposits aggregate $12,000,000. James Cowan, a Mojave, Cal., miner, charged with the murder of James Cummings, a negro, who was lynched at Mojave on March 19, was conviced of manslaughter. The jury recommended the prisoner to the mercy of the court. Dr. Seymour T. Jarrecki, a young physician, was shot and killed at his home in Denver, Col. Two shots were fired, one bullet entering his body near the heart. Apparently he had been called to the door and assassinated. The murderer escaped. The pension bureau at Washington estimates that the "unknown army" of veterans made eligible for pensions under the new order of President Roosevelt will not exceed 25,000 men, and of these less than 3,000 have applied for pensions. Judge George Gray, of Delaware, expresses hope that former President Grover Cleveland will be nominated for the presidency by the St. Louis convention. Next to Cleveland he favors Judge Parker for the nomination. He declares he is not himself a candidate. In a rear-end collision between a local and a limited car of the Jackson & Battle Creek Traction company, two miles west of Marshall, Mich., three men were seriously injured and a score of persons were badly shaken up and bruised. THE MARKETS

10. July 9, 1904 The L'anse Sentinel L'anse, MI
Article from The L'anse Sentinel, July 9, 1904

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A WEEK'S RECORD All the News of the Past Seven Days Condensed. HOME AND FOREIGN ITEMS News of the Industrial Field, Personal and Political Items, Happenings at Home and Abroad. THE NEWS FROM ALL THE WORLD DOMESTIC. Three personslo their lives and a half dozen others were injured as the result of the explosion of a small bundle of fireworks in the storeroom of the Diamond Fireworks company, in Philadelphia. Harry Jacobs, Harry Brooker and John Bloom were drowned by the accidental capsizing of a boat in which they were making a fishing trip on the Illinois river, near Morris, III. The First national bank of Saratoga Springs, N. Y., was closed by direction of the comptroller of the currency. A run on the institution caused the failure. New York Central locomotive, No. 999. made famous as the first engine to run the Empire State express, and which was exhibited at the Chicago world's fair, is hauling a milk train in New York. John B. Stewart, 53 years of age, was shot and almost instantly killed by the husband of his step-daughter, Samuel Peck, 24 years of age, at their home in Collinwood, O., as the result of a family row. A small blaze which started in a jewelry store resulted in a general conflagration which destroyed the main portion of the town of Sisson, Cal. Loss, $300,000. George Rice, of Ohio, who for 30 years has been fighting the Standard Oil company, filed a suit in the New Jersey court under the federal anti-trust laws, seeking the dissolution of the combine as an illegal corporation. The decision of the supreme court in the Northern Securities case is relied upon in the prosecution. Railroads are preparing to make a campaign for a law legalizing pooling of traffic. Western roads are seeking a remedy for the alarming number of claims made for losses and damage on account of overs, shorts and bad orders in freight. Frank L. Stewart is held in New York on the charge of stealing $600 worth of jewelry from Henry B. Kingsley, of Rutland. Vt., who disappeared from that city last November. Customs officers in New York discovered a false bulkhead on the steamer Indrawadi, behind which was hidden $8,000 worth of smuggled goods. The coroner's jury, after investigation of the General Slocum disaster, returned a verdict declaring the immense loss of life due to misconduct on the part of the directing owners of the vessel, charging the captain and chief equipment officer with criminal responsibility, accusing the mate of cowardly conduct and censuring Government Inspector Lundberg. Warrants for the accused men were issued and several arrests made. Helen Keller, the deaf, dumb and blind young woman, received the degree of bachelor of arts, with high honors, at Radcliffe college. Rumor of finding the body of Assistant Secretary of State Loomis' brother near Cherbourg, France, is declared false, and a witness reiterates he saw Loomis land at Plymouth. Syracuse university won the eightoared race in the intercollegiate regatta at Poughkeepsie, with Cornell in second place. Wisconsin finished sixth and last. Charles A. Gutke, member of St. Louis house of delegates' combine, confessed details of boodle transactions. Casualties in various parts of the country cost 18 lives. A 14-year-old colored boy at Lexington, Ky., received 50 lashes in the public square by order of a police judge. Thousands rushed to enter homesteads on a 9,000,000 acre tract of government land in Nebraska. The National Educational association convened in St. Louis, with 30,000 in attendance. Shippers' associations have been organized to fight the "uniform bill of lading" and other disputes with railroads. The weather bureau has issued a report that the corn crop is practically made in many sections. As the result of a rowboat capsizing in the Allegheny river at Pittsburg, Henry Hillston and Earnest Halbey were drowned, and two companions had a narrow escape from a similar fate. Benjamin Rhodes and Wilson Reed, contractors of Springfield, III., were killed Tuesday while engaged in sinking a new shaft. The hook on the bucket in which they were being lowered into the shaft broke, letting them fall 90 feet. A heavy wind and hall storm at La Cross, Wis., wrecked a building at the interstate fair grounds and huge trees were uprooted. The damage to crops was heavy. An attempt was made to lynch Charles L Allison, a well-known citizen and Sunday school worker of South Haven, Mich, who was arrested on the charge of criminally assaulting four-year-old Mdith Secor.

11. August 18, 1904 The Providence News Providence, RI
Article from The Providence News, August 18, 1904

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Article Text

FIRST NATIONAL BANK OF SARATOGA AGAIN SOLVENT. Washington. Aug. 18.-The First National bank of Saratoga Springs, N. Y., placed in the hands of a receiver on June 27, 1904. has been restored to solvency and resumed business today as an active national banking association.

12. August 19, 1904 New-York Tribune New York, NY
Article from New-York Tribune, August 19, 1904

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SARATOGA BANK RESUMES. Washington, Aug. 18.-The First National Bank of Saratoga Springs, N. Y., which suspended payment and was placed in the hands of a receiver on June 27. 1904. has been restored to solvency and resumed business to-day as an active national banking association.

13. August 19, 1904 Daily Kennebec Journal Augusta, ME
Article from Daily Kennebec Journal, August 19, 1904

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Article Text

The First National Bank of Saratoga Springs, N. Y., which suspended payment and was placed in the hands of a receiver on June 27, 1904. has been restored to solvency and resumed business, Thursday, as an active national banking association.

14. August 19, 1904 The Barre Daily Times Barre, VT
Article from The Barre Daily Times, August 19, 1904

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Article Text

Saratoga Bank Resumes Business. Washington, Aug. 19.-The First National bank of Saratoga Springs, N. Y., which suspended payment and was placed in the hands of a receiver on June 27, has been restored to solvency and resumed business as an active national banking association.

15. August 21, 1904 New-York Tribune New York, NY
Article from New-York Tribune, August 21, 1904

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Mrs. J. Z. de Formel contributed musical selections at the benefit given to the Dominican Convent on Wednesday afternoon last. The annual lawn party for the benefit of the Home of the Good Shepherd took place on Wednesday afternoon. and was largely patronized by the cottage colonists, the majority of whom are New-Yorkers. Mrs. M. H. Gibbons, of Washington, who celebrated her eighty-eighth birthday anniversary here on Sunday last, was the recipient of many congratulatory messages and letters. She has been an annual visitor here for half a century. Sacred concerts will be given at the United States Hotel, at the Grand Union Hotel and in Congress Spring Park to-morrow evening. They will not begin until all of the regular church services are concluded. The First National Bank, which closed June 27 10 avoid a run, was reopened on Thursday morning last. The new president is Walter P. Butler. The Rev. Dr. Herrick Johnson, of the MeCormick Theolegical Seminary, Chicago, who is an annual visitor, will preach in the Second Presbyterian Church to-morrow morning. The majority of the local pulpits will be occupied to-morrow by ministers from out of town. The State Grand Council of Cryptic Masons will assemble here on August 30. August 30 will be Educational Day at the Saratoga County Fair. Prize speaking will be the feature. Saratoga Lake moonlight trips have been enjoyed by many parties this week. Dances were given at the Grand Union, the United States and other hotels this evening.