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Taken in Good Humor. For the most part they turned away without comment, or laughingly joked about the situation. Bank creditors, too, were interested, for the holiday postponed their payments. "The holiday is mandatory," George F. Rand, president of the Marine Trust company and president of the Buffalo Clearing House association, declared as he reached his desk early Saturday. He held a telegram in his hand from the New York Clearing House association conveying the official report of the moratorium proclaimed by Gov. Lehman. Besides Mr. Rand, the officers of the Clearing House association are: George G. Kleindist, president of the Liberty bank, vice president; Lewis G. Harriman, president of the Manufacturers & Traders Trust company, treasurer, and Edward W. Miller, a vice president of the Manufacturers & Traders Trust company, secretary. Other Buffalo banks affected by the moratorium are the Niagara National bank, the East Side National bank, the Lincoln National bank, the Seneca National bank, the Erie County Savings bank, the Buffalo Savings bank and the Western Savings bank. County Banks Affected. Erie county institutions, which also must observe the two-day holiday, include the State Bank of Kenmore, the First National Bank of Kenmore, the Bank of Williamsville, the American Bank of Lackawanna, the Lackawanna National bank, the Bank of Lancaster, the Citizens National Bank of Lancaster, the Bank of Hamburgh, the Peoples Bank of Hamburg and the First Trust Company of Tonawanda. Among the financial institutions in Niagara county affected are the State Trust company of North Tonawanda, the Union Trust company of North Tonawanda, the East Side bank of Niagara Falls, the Falls National bank of Niagara Falls, the Lockport Exchange Trust company, the Niagara County National Bank & Trust company of Lockport and the Farmers & Mechanics Savings bank of Lockport.