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NEW YORK, Wednesday, 16th Oct. P.M. Our banks maintain their ground, and there is now a prospect almost amounting to a certainty, that they will continue to pay specie. This con. viction proceeds from many circumstances-one is the certainty that the generai government will sustain them with all its resources, if they require it; another is that specie is coming in fast, even from Canada, to which we generally send specie, but which, in consequence of the British Commissariat making all its disbursements in dollars imported from Mexico, now sends us; and lastly, that the Bank of the State of New York and Bank of America, are drawing on England at 9 1-2 a 10 per cent. premium, to prevent any exportation of specie by the steamer which sails on Saturday. The Chelsea Bank and the Wool Growers Bank, both established in this city under the late General Banking Law, stopped payment entirely two or three daysago, but their combined circulation does not exceed $10,000, for which stocks to three times the amount are pledged with the Comptroller of the State,-and of so little account was this OC. currence considered, that I only learned it accidently to-day. The Eastern, New Jersey, and all the country banks in this State, express a full reliance on their ability to continue. The Providence are, how ever, an exception to the first named; the Norwich [Ct.] Bank, it is said also suspended. Philadelphia and Baitnmore notes continue at a discount of 9 to 11 per cent. The Liverpool packet which sailed to.day, th United States, has 11,800L sterling in specie on board. The stock market has improved a little this morning, US bank shares sold at 80 a 81; Delaward-and Hudson 56 a 57; Vieksburg 34 a 34 2; Kentucky 71 1-2 a 72; New Jersey R. R. 85; and Caaton Co. 30. There are but one or two arrivals, and they of mi or importance. The packet ship. President, from London, Sept. 10, will be up by the time this is before your rea ders. 1.