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The Financial Troubles, THE SITUATION IN WILMINGTON-NO SERIOUS DIFFICULTY ANTICIPATED. The suspension of the firm of John McLear in caused an a the & Son, GAZETTE) bankers, yesterday quite. (briefly excitement mentioned for time in our financial circles. During the afternoon knots of people assembled in the vicinity of the firm's banking house, No.602 Market and the discussing the subject, reading following street, announcement, which Messrs. McLear & Son, posted up against the glass window in their door:Dwing to the shock to our credit by the falluges of Jay Cooke & Co., and E. W. Clarke & Co., and, in consequence, our inability to raise money, we have been compelled to suspend payment. We hope to be able to pay all our debts in full; and, as soon as possible, will make a statement for our depositors." This announcement briefly explains the cause of their embarrasement, and no other reasons need be added. But, as a natural consequence, the suspension caused a feeling of uneasiness among depositors generally, and a desire to get their mouted deposits within their own grasp. For this reason, it was expected for awhile, that to-day would witness a general run upon our banks, bankers, and saving institutions. But, by this morning the uneasy feelings had disappeared, and given place to those of security and confldence in all our banking houses. There was a very slight run upon the Citizans' Saving's Bank, but the Directors had resolved upon the wise precaution of enforcing the two weeks' notice clause in their charter, and therefore those few depositors who wished to withdraw their deposits were not allowed to do so. This rule will be strictly adhered to for a day or two when, if the financial panic discontinues, the old custom of paying out deposits on demand, will be resumed. At the Wilmington Savings' Fund, corner of Eighth and Market streets, no unusual excitement has prevailed. Indeed, on Saturday, dark and gloomy as was the financial prospect that day the deposits here were larger than usual, so great was the confidence of the people in this old and reliable institution. It is perfectly secure, and nothing but a long contined panic can injure its credit or deplete its resources. The other banks and brokers lare (apparently screne and secure, Messrs. R. R. Robinson & Co., announce their readiness and ability to pay every dollar of their deposits, but as yet, no run has been made upon them. On the whole, then, the financial aspect in Wilmington, is rather encouraging than otherwise. THE EFFECT OF THE TROUBLES Down THE STATE. With one exception we have heard of no difficulty being experienced by any of the banks down the State, in consequence of the financial troubles. This exception is the Bank of Smyrna, whose Directors it is said are now in fear of sustaining the lose of $100,000. This sum the Directors récently caused to be deposited with the banking house of Henry Clows & Co., New York, and declined to take collateral security for the same, when offered, so great was their confidence in this firm. But the events of Friday and Saturday startled them not a little, and on Sunday various and excited interviews were held between the President and the Directors. The result of the conferences was, that, on Monday morning, Ayres Stockleu, Esq., President of the Bank, started for New York, to obtain the collateral security, they had previously refused, or make such other arrangements as would be satisfactory and safe. The above report heard this morning, though it is possible that it is sousewhat exagerated in regard to the amount invested. We hope, however, if it is true, that the efforts to obtain the collatetal security mag be successful, and that the Bank may be enabled to come through without lons.