Hibernia Savings & Loan Society (San Francisco, CA)

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dence district of San Francisco were slightly subsiding. In other localities they were blazing like a roaring furnace. A car of dynamite which had just arrived from Portland was to be used in blowing up residences east of Van Ness avenue between Golden Gate avenue and Pacific avenue. Van Ness avenue is the most fashionable residence street in the city and has many costly houses. The Hibernian Savings bank has been destroyed with its vaults unopened. Gen. Funston is considering the advisability of calling for more troops from Vancouver Barracks to relieve those now working, who are almost worn out by continuous labor without Special trains from Vancouver to arrive in are rest. expected Sacramento rations. in the morning with tents and The supplies will be brought from there in automobiles as no trains are running because of the breakage in tracks. Many persons have dropped dead from heart disease. Fire Chief Sullivan. who was injured by falling walls yesterday, is dying. More than twenty policemen have been injured, some of them fatally. Firemen and soldiers are falling from exhaustion and many are lying under wagons asleep with flames leaping all about them. Mechanics' pavilion, which was converted into a temporary morgue for the reception of 500 corpses which were rescued from the debris of the first ruined buildings. is now in ashes and more than 100 bodies were cremated in its flame. Not a street in the city is safe for walls are falling everywhere. More than 3000 injured persons are now in hospitals and at this hour the big French and German hospitals are threatened by approaching flames. Attendants are moving the patients into improvised tents in Golden Gate park. Saves $100,000,000 From Mint Superintendent Leach of the U. S. wired to mint has just Washington the treasury that all department at the money in the mint was saved. The amount was abont $100,000,000. Leach says the rescue of the money and bullion was due to the efforts of Lieut. Armstrong of the Sixth infantry and his men, who worked heroically at the peril of their lives until all was saved. The walls of the St. Francis hotel have just collapsed. The criminal element is increasing in numbers and six shouls have been shot up to this hour. Two steamers are now loading with at the foot refugees of unknown. Jackson street. Their destination is Fifty new fissures have opened today in as many new localities and tremors are almost constant. A high wind is blowing towards the residence district carrying the fire embers that way, while the flames continue to devour remaining buildings in the business portion. The new $5,000,000 Fairmount hotel is ablaze and the mammoth Southern Pacific passenger depot at Third and Townsend has burned to the ground. The panic among the people is indescribable and uncontrollable. Groups of maddened men and women run shrieking through the streets and the soldiers and police can do nothing to restrain them. Many millionaires are penniless and almost the whole population will be reduced to beggary. Many Killed at Napa Napa was partly wiped out and it

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Banks to Resume Business

Commercial banks are preparing to resume business in a preliminary way before they open their vaults. It has been arranged to pay depositors not to exceed $500 on accounts. Each bank had sums transferred ta their credit by correspondents at London, Paris and New York. These transfers will be made to the mint and money will be available at that point. The form of procedure will be for a depositor to draw a check in the usual form. This will be endorsed by the cashier or other official of the bank and the customer may present it or have it cashed at the mint. Planing Mills Intact. The planing mills report an encouraging situation. It is ascertained that fifteen of the 39 mills escaped destruction. Two of the mills are now running and the rest will resume op. erations as soon as permitted to do SO by the board of public works. Those whose plants were destroyed will be rebüllt as soon as insurance losses are adjusted. Banks Doing Business. Banks are being opened on Laguna street and West Lafayette. Several banks have already tacked cotton banners on residences overlooking the refugee camps and will soon be ready for business. The savings banks are reported in excellent condition. The Hibernia bank alone has twenty-five millions in United States bonds and other securities, which can be converted into cash at any time. The bankers are merely awaiting orders from the clearing house to start operations. The order of the president permitting the finance committee to use the mint as a depository greatly facilitates the handling of relief funds for which constant calls are being made. The committee decided to divert one hundred thousand dollars immediately to caring for the refugees at Oakland. The Pacific Hardware company has presented a bill of a hundred thousand dollars for dynamite and other supplies ordered by the board of public works. The bill will be paid. It is now estimated that ten thousand dollars will complete the repairs: to sewers on which much work has already been done. Churches to be Rebuilt. Methodist churches valued at a half million which were destroyed, will be rebuilt and the work will begin at an early date. it is estimated that 349,440 rations were distributed yesterday. Ot the Grant school, provisions were given out to 672 people an hour for ten hours. An ample supply of food is on hand for present needs. There is an over supply of perishable foods and the relief committee is urging that only staple goods be sent.

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ploding blowing the structures in the air. Superintendent Leach of the mint has wired Washington that all the money there was saved. About $100,000,000 was in the building. The mint building is standing. It is the only one in that district. Its safety was due to the heroic work of Lieut. Armstrong and the men of the 6th Infantry. The St. Francis Hotel walls have fallen. Fire Chief Sullivan, who was injured yesterday, is dying. More than twenty policemen have been injured, some of them seriously. A courier arriving at 3 o'clock from Frisco said that not a buiding the city would be saved. 100,are trying to 000 in people leave the city but are unable to get away as there are no trains running and all ferries have stopped. Boats cannot be hired at any price. Many deaths are reported from heart failure. ) Washington--Congress this morning passed resolutions appropriating half a million dollars for relief of the sufferers at Frisco and other towns. This afternoon they increased it to a million. Seattle-To date Seattle has raised $50,000 for the California sufferers. Indianapolis-Ter thousand dollars has been sent to Frisco for relief already. San Jose-This city is practically wiped out. The hospitals are crowded with dead and dying. I Martial law has been declared. Oakland-Six ghouls have been shot to date. Criminal element is increasing rapidly. Two steamers at the foot of Jackson street are 1 now loading refugees. Their des: tination is unknown. Oakland-It is just reported that . Los Angeles has had an earthquake. The report cannot be confirmed. From Bulletin, April 20 e Oakland, April 19, 5 p.m.-At I four o'clock the flames in the resi. dence part of the city had slightly subsided. Other parts were roar. ing furnaces of flame. A car of dy 1 namite has just arrived from Portf land for blowing up residences east of Van Ness Ave. between GolS den Gate and Pacific avenues. Van g Ness is the most fashionable resiI dence street in the city. The Hibernian savings bank has t been destroyed. The vaults were r unopened. Mayor Schmitz has appealed to S the coast cities for aid, saying "for e God's sake send food and shelter" 1 It is reported that many people are D imprisoned in burning building. 5 People are fleeing from town in row boats or anything that will S float. They are carrying nothing t but their blankets. y Last night there were 100,000 homeless. Tonight fully 200,000 . will be without shelter. The maI jority will lie on the beach near 1 the site of the Cliff House. There is not a drop of water in r the city except what is sold in bottles at 25 cents a drink In the inhala handler dave

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Ane IN Representatives of Savings Institutions Discuss Financial Affairs. The executive committee of the Associated Savings Banks of San Francisco held a meeting yesterday, the following members being present: Richard M. Tobin of the Hibernia Savings Bank, A. H. R. Schmidt of the German Savings and Loan Society, E. B. Pond of the San Francisco Savings Union, J. A. Hooper of the Mutual Savings Bank, A. N. Drown of the Savings and Loan Society, S. L. Abbott of the Security Savings Bank and W. E. Palmer of the Humboldt Savings Bank. These gentlemen have been getting expert testimony as to when It will be safe to open the bank vaults, and the consensus of opinion is that they cannot be safely opened for some time to come. The report that the savings banks would blacklist depositors withdrawing their accounts was strenuously denied, as there is no uneasiness among the bankers about withdrawals, the present conditions not being a panic, but entirely local and caused by the recent calamity. The principal question of discussion was the handling of the money which will be received from the insurance companies in settlement of losses. A definite policy was not decided upon, but all agreed that this money should be used in restoring improvements whenever it was posible.

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San Francisco, May 23.-This morning at 9 o'clock the commercial banks opened their doors for the transaction of regular business unhampered by clearing house restrictions. Gold in plenty filled the vaults and there is as much money in the banks today as ever in the history of San Francisco. The stability of the financial situation is such that there is not the slightest evidence of a money panic, every bank in the city now being in a position to meet all obligations without undue strain. While the official date for the formal opening of banks is next Monday, many savings institutions opened this morning. The Mutual Savings bank opened for unrestricted business with $20,000,000 in money and active securities in the vaults. The California Safe Deposit & Trust company opened at its old quarters at the corner of California and Montgomery streets. This bank is one of the first to have temporary quarters completed. The Humboldt bank opens tomorrow morning. About 30 per cent of the Humboldt's loans were in the burned district, and the bank announced it will return all its insurance money to borrowers for rebuilding purposes. With no more rush or excitement than usually attended the settling on a day before the fire, the Hibernian bank, the city's largest savings institution, thre wopen its doors at 9 this morning. Every look and every action of the hundreds in line before the doors opened betokened confidence. The line began to form at 6:45. At it extended down Jones street and then down Golden Gate as far as Market and back again towards Jones. Old women, young clerks. begrimed teamsters and pretty stenographers were there, all as cheerful as a crowd of theater-goers waiting their turns at the box office. A young fellow in working clothes stepped out of line to give his place to an aged woman in a shawl who tightly hugged to her breast her little yellow-covered book. Others followed suit, and soon the woman was far up the line. Many brought lunches and stools and prepared for a long wait. When the doors opened the first 10 persons were told off and allowed to enter. Two paying tellers had their money benches heaped with gold and quickly passed out the coin. Few withdrew their total deposits, and

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FRISCO BANKS ARE OPEN They Have an Abundance of Money on Hand SOME SAVINGS BANKS RESUME THERE WAS NO RUN ON ANY OF THE BANKS- GENERAL CONFIDENCE. SAN FRANCISCO, Cal., May 23.This morning at 9 o'clock the Commercial banks opened their doors for the transaction of regular business unhampered by clearing house restrictions. Gold in plenty filled the vaults and there is as much money in the banks today as ever in the history of San Francisco. The stability of the financial situation lies in the fact that there is not the slightest evidence of a money panic, every bank in the city now being in a position to pay all obligations without undue strain. While the official date for the formal opening of the savings banks is next Monday, 1 many savings institutions opened this morning. The Mutual Savings bank opened for unrestricted business with $20,000,000 in money and active se( curities in its vaults. The California Safe Deposit and Trust Co., opened in its old quarters at the corner of California and Montgomery streets. 1 This bank is the first one to have its 1 temporary quarters completed. The 1 Humboldt bank opens tomorrow mornd ing. About 30 per cent of the Humboldt's loans were in the burned disF trict and the bank has announced that it will return all insurance money to I its borrowers for rebuilding purposes. Scene at Hibernia Bank. With no more rush or excitement than that usually attending settling S day before the fire, the Hibernia bank, e the city's largest savings institution, h threw open its doors at nine this morning. Every look and every action of the hundreds in line, before the doors opened, betokened confidence. F The line began to form at 6:45 and at 9 a. m. it extended down Jones street and then to Golden Gate as far as Market and back again towards Jones. s Old women, young clerks, begrimed a: teamsters and pretty stenographers fo were there, all as cheerful as a crowd " of theatre-goers waiting their turn at the box office. A young fellow in working clothes stepped out of line to give his place to an aged woman in a pa shawl, who tightly hugged to her pl breast her little yellow-covered book dr Others followed suit and soon the fo woman was far up the line. Many brought lunches and stools prepared for a long wait. When the doors were opened the first ten persons tolled off were allowed to enter. Two paying tellers, their money benches heaped with gold, quickly passed out coin. Few withdrew their total deposits. . A few large withdrawals were made, but mostly by persons who needed funds

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POLICE ON GUARD, BUT NO DISORDER Practically Every Bank in San Francisco Threw Open Doors Yesterday-Vast Sum of Money Available. No Sign of Run. (By Associated Press.) SAN FRANCISCO, May 23.-Practically every bank in this city that has been able to secure temporary quarters, threw open its doors to the public to-day. There was no sign of a run. Never in the history of San Francisco was there 80 much bank money on hand. For the past week money has been pouring into the local finanolal institutions from all parts of the world. The total to date has not been computed, but several days ago it exceeded $30,000,000. When the savings bank opened this morning, they by no means had to depend upon money received from outside sources. Institutions llko the Hibernian, the Humboldt and the Mutual, had millions in coin and valuable securities in their vaults which were undisturbed by the fire. Great Crowd There. The Hibernian it was reported, had $15,000,000 in United States bonds, and $10,000,000 in other gilt-edged securities, together with millions In coins. Among 4.8 'depositors are many workingmen and women. Most of them lost their all in the fire and at an early hour they began to line up before the bank doors. By 9 o'clock the lines were over a block long and the police were summoned to maintain order. Their duties, however, consisted of little more than keeping the patient men and women in line. The bank paid without limit to all. The Mutual opened in its own building. which had been badly damaged. The bank officials said they had over $2,000,000 on hand. and they met all demands promptly and without limit. At the Union Safe Deposit and Trust Company's banks, both commercial and savings. everything proceeded with a degree of order and quiet, remote from even a suggestion of panic. The Humboldt Bank, in its temporary quarters, carried on an almost normal business. The fact that all of the banks did reopen was due to a dearth of quarters. Now that normal conditions have been about restored, the clearing house bank In the mint has been practically closed.

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CLAIM MONEY IS PLENTIFUL San Francisco Banks Open Doors to Larger Dopositors Than Ever Before By Associated Press. SAN FRANCISCO, May 23.-At 10 o'clock this morning practically every bank in this city that has been able to secure temporary quarters threw open its doors to the public. A unique feature connected with this general resumption of business after the suspension caused by the recent great catastrophe was the fact that never in the history of San Francisco was there so much bank money on hand. For the past week money has been pouring into the various financial institutions from all parts of the world. Superintendent Leech of the mint has received large transfers from eastern and European centers and still the money is coming. What the total is to date is not known, but some time ago it exeeded $30,000,000. The last transfers consisted for the greater part of large sums for the savings banks. When their doors opened this morning they by no means had to depend upon the money received from outside sources. Great savings institutions like the Hibernia, the Humboldt and the Mutual had millions in coin and valuable securities in their vaults which were undisturbed by the fire.

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'FRISCO BANKS OPEN

No Scarcity of Money and No Rush For It. San Francisco, May 23.-Every bank in this city that has been able to secure temporary quarters threw open its doors to the public today. There was no semblance of a run. Never in the history of San Francisco was there so much bank money on hand. Last week money poured into the local financial institutions from all parts of the world. Superintendent Leach of the United States Mint has received many large transfers from Eastern and European centres. The total to date has not been computed, but several days ago it exceeded $30,000,000. The last transfer consisted mostly of large sums for the savings banks. When their doors opened this morning, however, they had no need to depend upon money received from outside sources. Institutions like the Hibernia, the Humboldt and the Mutual had millions in coin and valuable securities in their vaults, which were undisturbed by the fire. The Hibernia, it was reported, had $15,000,000 in United States bonds and $10,000,000 in other gilt-edge securities, together with millions in coin. Among its depositors are many workingmen and women. Most of them lost their all in the fire, and at an early hour they began to line up before the bank's doors. By 9 o'clock the lines were over a block long, and the police were summoned to maintain order. Their duties, however, consisted of little more than keeping the patient men and women in line. Features were stamped with expectancy rather than with worry, for confidence in the bank's ability to pay in full was not questioned. Over the shattered bank building an American flag floated in the sunshine, and when the doors swung open the shuffle of feet in the long line was accompanied by the clink of gold. It was music to these men and women, who once feared the accumulations of a lifetime had been swept away. The bank paid without limit. The Chinese Minister from Washington, Chentung Liang Cheng. escorted by Mayor Mott of Oakland, came to this city and called on Mayor Schmitz at the Century Club yesterday. The visit was brief, and after the exchange of a few compliments the Oriental diplomatist was taken to the temporary Chinese quarter near the Presidio and to Hunter's Point, that he might view the site where it has been proposed to locate the new Chinatown. Secretary Henry J. McCoy, of the Young Men's Christian Association, will leave to-day for the East to raise money for the rebuilding of the Young Men's Christian Association home in this city. The prominent San Francisco men who comprise the institution's board of trustees have instructed him to collect $100,000 from Young Men's Christian Association branches in the East and to see if fifty wealthy people in various large Eastern cities will not agree to give $5,000 each, or a total of $250,000.

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BANKS OF 'FRISCO OPEN ONCE MORE Contrary to Expectations There Is No Desire to Deplete the Deposits. SOME HUNGRY WORKMEN WITHDRAW THEIR SAVINGS More Money in 'Frisco Today Than the Most Optimistic Hoped. SAN FRANCISCO, May 23.-At 10 o'clock this morning practically every bank in this city that has been able to secure temporary quarters threw open its doors to the public. A unique feature connected with this general resumption of business, after the suspension caused by the recent great calamity, was the fact that never in the history of San Francisco was there so much bank money on hand. Money Coming In. For the past week money has been pouring into the various financial institutions from all parts of the world. Superintendent Leacn of the United States mint has large transfers from Eastcenters, is What but some ago it date ern received money and is not many European coming. known, the and time total still transfer is the to exceeded $30,000,000. The last consisted for the greater part of large sums for the savings banks. Big Reserve Fund. When their doors opened this morning they by no means had to depend upon the money received from outside sources. Great savings institutions like the H1bernia, the Humboldt and the Mutual had millions in coin and valuable securities in their vaults, which were undisturbed by the fire. Millions to Back Bank. The first named of these banks had In trust in its care enormous sums. It was reported when business opened today that this bank had back of it $13,000,000 in bonds and securities, coin. In its list of gilt-edged lions United in States together $10,000,000 of depositors the with working In other mil- are included a great number Most of these recent great hour they began to up doors. By 9 the all early classes. in bank the o'clock people fire, line and the lost the before at police their lines an were over a block long, and were summoned to maintain order and be prepared for any possible emergency, Was No Disorder. Their duties, however, consisted of little more than keeping the patient men and women in line. There was no disorder and not an anxious face in the long line. Features were stamped with expectancy rather than worry, for confidence in the banks ability to pay in full was questioned by no one The early lining-up simply meant that workmen needed their small savings at this juncture and took the first opportunity to obtain them. Flag of Freedom Floats. Over the shattered bank building an flag floated in the sunshine, and doors swung open line was of It was feet the American when click in the the long gold. accompanied music the shuffle to the these ac- by of men and women, who once feared cumulations of a lifetime had been swept away. The banks paid without limit.

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Banks Resume Business SAN FRANCISCO, May 23.-At 10 o'clock this morning practically every bank in this city that has been able to secure temporary quarters, threw open its doors to the public. A unique feature connected with this general resumption of business, after the suspension caused by the great earthquake calamity, was the fact that never in the history of San Francisco was there 80 much bank money on hand. For the past week money has been pouring into the various financial institutions from all parts of the world. Superintendent Leach, of the United States mint, has received many large transfers from eastern and western centers, and still the money is coming. What the total is to date is not known, but some time ago it exceeded $30,000,000. The last transfer consisted for the greater part of large sums from savings banks. When their doors opened this morning the banks by no means had to depend upon the money received from outside sources. Great savings institutions like the Hibernia, the Humboldt and the Mutual, had millions in coin and valuable securities in their vaults which were undisturbed by the fire.

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ALL FRISCO BANKS ARE OPEN AGAIN Millions in Sight and No Limit on Demands. THE MUSICAL CLICK OF GOLD. Payments Resumed by the Banks of the Destroyed City-Long Lines Wait for Their Money In Orderly Fashion, Belog Confident of the Solvency of the Different Institutions. San Francisco (Special).-Practically every bank in this city that has been able to secure temporary quarters threw open its doors to the public Wednesday. no of a run. Never in of San Francisco was the There history was sign there so much bank money on hand. For the past week money has been pouring into the local financial institutions from all parts of the world. Superintendent Leach, of the United States Mint, has received many large transfers from Eastern and European centers. The total to date has not been computed, but several days ago it exceeeded $30,000,000. The last transfer consisted mostly of large sums for the savings banks. When their doors opened Wednesday morning, however, they by no means had to depend upon money received from outside sources. Institutions like the Hibernia, the Humboldt and the Mutual had millions in coin and valuable securities in their vaults which were undisturbed by the fire. The Hibernia, it was reported, had $15,000,000 in United States bonds and $10,000,000 in other gilt-edged securities, together with millions in coin. Among its depositors are many workingmen and women. Most of them lost their all in the fire, and at an early hour they began to line up before the bank's doors. By 9 o'clock the lines were over a Block long, and the police were summoned to maintain order. Their duties, however. consisted of little more than keeping the patient men and women in line. Features were stamped with expectancy rather than with worry, for confidence in the bank's ability to pay in full was not questioned Over the shattered bank building an American flag floated in the sunshine, and when the doors swung open the shuffle of feet in the long line was accompanied by the click of gold. It was music to these men and women, who once feared the accumulations of a lifetime had been swept away. The bank paid without limit. The Mutual opened in its own building, which had been badly damaged, but a few remaining counters and the undamaged vaults made the necessary repairs no great task. The bank officials said they had over $2,000,000 on hand, and they met all demands promptly and without limit. Cashier Storey, of the Mutual, said that the bank had but $2,400,000 in loans in the burnt district, and that $1.250,000 of this was covered by good insurance. At the Union Safe Deposit and Trust Company's banks, both commercial and savings, everything proceeded with a degree of order and quiet remote from even a suggestion of panic. The Humboldt Bank in its temporary quarters carried on an almost norma e business. Cashier Palmer said that only about 30 per cent. of the bank's losses were in the burnt district, and that it is the intention to turn over insurance monthe borrowers to eys to aid rebuilding projects. The fact that all of the banks did not reopen was due to a dearth of quar, ters. Those institutions which had parts of their old sites remaining had the advantage. Now that normal conditions have been about restored, the clearing-house bank in the Mint has been practically closed.

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Page warm weather light north wind. CITY. Gambling dens run and police fail to secure evidence against them. Page 34 Eight school buildings must be enlarged to Page 40 meet rapid increase of pupils. Fish Commission is stocking streams of the Sierra with thousands of Eastern trout. Page 40 William H. Bradley sustains fracture of skull as result of beating. Page 40 Hibernia Bank depositors beg to reopen their Page 43 accounts and are refused. Solomon Loeb, a fourteen year old boy. is Page 37 killed by a Fillmore-street car. Thomas M. Ferguson, a well known saloon man. is sued for divorce on several charges. P.25 Relief Corporation will send representative to Page 25 Washington to secure money. Runaway horse on Fillmore street upsets bugPage 42 gy and creates excitement Candy girl who turned on gas few days ago Page 42 dies at Emergency Hospital. Lawyers ask for sworn statement from the German Insurance Company of Freeport. Page 32 Transport Sherman will take many casuals Page 42 and regulars to the Philippines. Crew of British ship Lyndhurst mutiny at sea and all hands are put in irons. Page 29 William Freide still alive; finding of watch shows assailants escaped out Market street P. 31 Burglars enter home of Hermann Franklin, at 319 Waller street, and make way with valuable booty. Page 42 Grand Encampment of Odd Fellows will be held Page 25 in Watsonville next month. Federal Government requests Dr. Albert J. Atkins of San Francisco to report on use of adulteratde foods. Page 39 SPORTS. Cross country runners preparing for Dipsea Page 43 race over the Marin County hills Students of architecture show skill in athletic competition on Wilmerding school track. Page 43 Champion Stakes won by Accountant. Page 41 El Otros winner in race paced by an outsider. Page 41 Fishermen find plenty of striped bass at Tiburon. Page 42 Though President Jordan umpires, faculty is Page 43 beaten by seniors. Oakland pulls pin feathers from wings of the Angels. Page 42 Raisin Pickers go to pieces in the seventh and Seattle wins. Page 42 New York's water polo team wins stubborn contest from Chicago Page 41 Seals take kindly to Portland mud and give Webfooters a drubbing. Page 42 Chicago Nationals take two games from St. Louis and make clean sweep of series. Page 42 Washington and New York of the Americans break even on double-beader. Page 42 Juvenile tennis players meet on park courts Page 41 in singles handicap tournament Melville Long a puzzle to the crack tennis players. Page 43 Tommy Burns and Jim Flynn sign for fight at Los Angeles Page 43 Stanford students making every effort to master Rugby football. Page 42 Gunmen display their skill in meet at San effects his capture. Page 41 Sam Berger accepts the offer of a match with Jack O'Brien at Colma. Page 43 POLITICS. Bell, Democratic candidate for Governor, to Page 35 make war on Hearst and Herrin Democrats of Alameda nominate a county ticket. Page 32 WHIST. The seventh serial article on bridge whist, conducted by R. F. Foster, an authority on the subject. Page 25 LABOR. ( Objectionable 51 per cent agreement is abro gated by the Garment Workers' Union. Page 33 MINES. Reports from Nevade mines show that the era Page 51 of prosperity continues unabated. MARINE. Captain of bark St. James reports heavy earthPage 49 quake in the Gulf of California. Coral reef that holds Manchuria being blown Page 33 to piece by dynamite. SUBURBAN. Bride of Jenkin B. John of Oakland attends injured in wreck while on honeymoon. Page 39 Handsome young matron of Butte entertained Page 38 by Oakland society. Mrs. Fred Hudson of San Bruno Park to ride a wild bull. Page 36 Charles McDonald, arrested for insanity in Page 38 Oakland. victim of brutal blow. W. A. Gates tells of inadequacy of State institutions. Page 38 Point Richmond woman dreams father is killed by car and six hours later is informed of his death. Page 38 San Francisco man finds lost son living life Page 36 of hermit on Berkeley hills Graduates of Stanford hold their deferred class day exercises. Page 30 California University professor declares pho Page 36 netic spelling to be vulgar. John D. Isaacs resigns from Oakland School Board because of pressure of railroad duties. P.36 Father Sesnon, assistant pastor of the Church of the Immaculate Conception, surprises burglar at work in his room and, after fierce struggle, effects his capture. Page 37 COAST. Three passengers are injured in collision on Vallejo-Napa Railroad. Page 34 Arthur Cochran, San Francisco boy, killed in Oregon. Page 34 Poisoned bullets are found on highwayman arrested in Portland. Ore. Page 29 Captain Amundsen discoverer of the North west Passage. tells of his observations. Page 39 Passngers and crew of the wrecked steamPage 39 ship Oregon are rescued. Three Seattle street cars run away and are smashed to pieces. Page 39 DOMESTIC. Bryan gives more definite statement of position in regard to trusts. Page 43 MacArthur succeeds Corbin as lieutenant general of army. Page 33 Confederate and Union veterans in reunion at Gettysburg. Page 48 Second will of late Mrs. Louisa P. Barnes, Page 34 formerly of Los Angeles, is filed. FOREIGN. Count Witte denies story that anarchist at Page 41 tempted to assassinate him. German Count says new General of Jesuits has beliefs of middle ages. Page 43 Cuban revolutionists make offer to surrender to commander of American warship. Pages 29-30 Central Tropoff and

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Banker Tobin Dead.

SAN FRANCISCO, Sept. 19.-Otto J. Tobin, secretary of the Hibernia Savings bank, one of the most prominent bankers in the city, died yesterday morning. He was ill several months and the recent run on the bank was kept from him for fear of hastening his demise.

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Insurance Agents Besiege Bank

The run on the Hibernia Bank, in San Francisco, was caused by disS. uniled agents of a fire insurance company.

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sion that neither the Transatlantic, North German of Hamburg, Rhine, and Moselle, nor the Austrian Phoenix of Vienna will pay in full OF a substantial percentage unless compelled by the courts. The lawyers who are handling these suits say that the German, Austrian and American federal courts will be clogged with litigation of this kind. Suits in Germany must be brought individually and not on assigned claims. Depositions in thousands of cases will be taken in San Francisco. Scores of lawyers may be employed in the trials of suits. Every sort of question concerning the validity of earthquake clauses, the validity of insurance as an asset, and the actual cause of the several fires that occurred in San Francisco, burning up mercantile and residential districts last April, will be thoroughly threshed out and become the basis of judicial decisions on both continents. The Irony of Fate. Judge Robert J. Tobin, one of the founders of the Hibernia bank of San Francisco, secretary of that institution for forty years and one of the best known financiers on the coast, died recently, after a long illness. It was the irony of fate that in his last days a foolish run was begun on the bank in which he took so much pride. This run soon stopped, as the bank has the largest reserve of any on the coast. It is suspected that "welching" insurance companies which the bank had exposed incited the run for revenge. One good result of the exposure of the methods of the London and Lancashire Fire Insurance company by the Hibernia bank is that this big English company has agreed to settle all claims at 95 cents on the dollar. The Hibernia bank, which established an agency to collect the insurance of its clients, found that the London and Lancashire had induced many poor depositors to accept 40 cents or 50 cents on the dollar, while it refused to pay larger claimants. The bank promptly advertised this fact and announced that it would loan no

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SAN FRANCISCO OUTLOOK DAILY GROWING BRIGHTER IN TWO MONTHS STOCK AND OTH. ER VALUES DOUBLED Eig Business Firms Are Moving Into Old Quarters, and Heavy Banking Institutions Are Flourishing as of Yore-Everybody Hopeful Dr. D. F. McGraw, the San Francisco representative of the large industrial brokerage house of F. H. Johnston of Los Angeles, New York, Chicago, Detroit, Portland and San Francisco, is at the Westminster for a few days. In all interviews the doctor spoke in a very cheerful manner of San Francisco's present condition and future outlook. In part he said: "San Francisco today is the busiest city in the world for the number of people within its limits. Everyone who will work can find all that he can do. In its palmiest days of gold excitement there was not as much money in circulation as there is now. The stock market is the best barometer of monetary conditions we 'have. For three months after the quake and fire sales dropped to almost nothing in that territory that is now known as the 'quake zone.' For the last two months sales have more than doubled that of any two months antedating April 18. "The big firms are now moving back into their old quarters. The big banking institutions are all at their old homes. The clearing of the debris is going on rapidly, plans for larger, costlier and more beautiful buildings than San Francisco ever possessed are daily being completed. The street car strike and attempted run on the Hibernia bank were incidents. We are happy, hopeful and busy.

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was the street nearest to the burned district which had been left intact on one side. The residences on the west side of the avenue were transformed into business house with incredible swiftness, and the burned line along the eastern side was covered with frame buildings. The street is now lined from one end to the other with retail shops, some of them bearing the names of rich and long-established firms. Plate-glass is used prodigally, and the avenue is brilliant with electric signs. One may procure along Van Ness avenue the richest fabrics and costliest jewelry, as well as anything else procurable in any city. With flags flying and gilt signs glittering in the sun, this long and wide thoroughfare has become the business center and is continually crowded.

Judging by the experience of other cities, it seems probable that Van Ness avenue will remain the center of the shopping district. It took an earthquake to shift the crowds from Kearney to Van Ness, and perhaps nothing short of an earthquake can shift them back again. One or two big firms, seeing this, have let contracts for the erection of permanent concrete buildings on Van Ness avenue, and others are likely to follow. Rents are enormously high, and property owners along the street are getting more for ground rent now than they obtained for buildings before the disaster.

The quake shook the life out of some old firms and hastened the birth of many new ones. Dozens of stores bear the names of men who were clerks before April 18. Merchants from other cities have stepped in and established houses here. Competition is keen and money appears to be more plentiful than for many years.

City's Financial Soundness.

The financial soundness of San Francisco has been demonstrated in various ways. The bank clearings are much larger than before the fire. Some of the new money comes from insurance companies, of course, but not all of it. The business of the banks is greater than ever. In some of them withdrawals exceed deposits, but the money withdrawn is going into reconstruction. Other banks are piling up deposits. The other day a little flurry was caused by an attempted run on the Hibernia bank, one of the largest institutions in the country. It was a grotesque failure as a bank run. The bank has 80,000 accounts, receiving no deposit exceeding $3,000. It is reckoned as solid as the Treasury. A few frightened women formed a line, obtained their money, and then returned and deposited it. With this exception, public confidence in the banks has been absolute.

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Insurance Agents Besiege Bank

The run on the Hibernia Bank, in San Francisco, was caused by disgruntled agents of a fire insurance company.

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BUILDING UP

SAN FRANCISCO

Citizens Make Marvelous Progress in the Work of Restoration.

New Buildings, Finer Than Those Destroyed by the Earthquake and Fire, Going Up on Every Side--"City Beautiful" a Matter of Time.

San Francisco.—One of the world's great sights is San Francisco. Cities have been ruined and ashes have covered them, but never before under modern conditions. A city ruined by earthquake and fire in the old days meant that the time of recovery would equal the age of the city up to the hour of its destruction. In this age the very evidences of destruction are turned into agencies of repair and improvement. Fire has rarely failed to bring about better conditions in a city, and San Francisco is no exception to the rule. It is not the improvement of the city that will make them marvel, however, as much as the rapidity with which the work will be accomplished.

The earthquake of April 18 caused a few million dollars' damage—possibly $10,000,000 would cover that loss. The fire, which had full play after the quake had broken the water mains, burned over 514 squares, or 2,560 acres, or four square miles, the total loss being estimated at $500,000,000. On this property there was insurance amounting to about $315,000,000. Of this insurance about $150,000,000 had been paid in cash to policyholders up to September 15.

The quake shook the life out of some old firms and hastened the birth of many new ones. Dozens of stores bear the names of men who were clerks before April 18. Merchants from other cities have stepped in and established houses here. Competition is keen, and money appears to be more plentiful than for many years.

The financial soundness of San Francisco has been demonstrated in various ways. The bank clearings are much larger than before the fire. Some of the new money comes from insurance companies, of course, but not all of it. The business of the banks is greater than ever. In some of them withdrawals exceed deposits, but the money withdrawn is going into reconstruction. Other banks are piling up deposits. The other day a little flurry was caused by an attempt-ed run on the Hibernia bank, one of the largest institutions in the country. It was a grotesque failure as a bank run. The bank has 80,000 accounts, receiving no deposits exceeding $3,000. It is reckoned as sol-

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BUILDING UP

SAN FRANCISCO

Citizens Make Marvelous Progress in the Work of Restoration.

New Buildings, Finer Than Those Destroyed by the Earthquake and Fire, Going Up on Every Side- "City Beautiful" a Matter of Time.

San Francisco. - One of the world's great sights is San Francisco. Cities have been ruined and ashes have covered them, but never before under modern conditions. A city ruined by earthquake and fire in the old days meant that the time of recovery would equal the age of the city up to the hour of its destruction. In this age the very evidences of destruction are turned into agencies of repair and improvement. Fire has rarely failed to bring about better conditions in a city, and San Francisco is no exception to the rule. It is not the improvement of the city that will make them marvel, however, as much as the rapidity with which the work will be accomplished.

The earthquake of April 18 caused a few million dollars' damage-possibly $10,000,000 would cover that loss. The fire, which had full play after the quake had broken the water mains, burned over 514 squares, or 2,560 acres, or four square miles, the total loss being estimated at $500,000,000. On this property there was insurance amounting to about $315,000,000. Of this insurance about $150,000,000 had been paid in cash to policyholders up to September 15.

people away. It requires only a visit to San Francisco to disprove the report that the city has lost half its population.

The quake shook the life out of some old firms and hastened the birth of many new ones. Dozens of stores bear the names of men who were clerks before April 18. Merchants from other cities have stepped in and established houses here. Competition is keen, and money appears to be more plentiful than for many years.

The financial soundness of San Francisco has been demonstrated in various ways. The bank clearings are much larger than before the fire. Some of the new money comes from insurance companies, of course, but not all of it. The business of the banks is greater than ever. In some of them withdrawals exceed deposits, but the money withdrawn is going into reconstruction. Other banks are piling up deposits. The other day a little flurry was caused by an attempted run on the Hibernia bank, one of the largest institutions in the country. It was a grotesque failure as a bank run. The bank has 80,000 accounts, receiving no deposits exceeding $3,000: It is reckoned as sol-

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LNG UP SAN FRANCISCO Citi zens Make Marvelous Progress in the Work of Restoration. New Buildings, Finer Than Those Destroyed by the Earthquake and Fire, Going Up on Every Side-"City Beautiful" a Matter of Time. San Francisco.-One of the world's people away. It requires only a visit eat sights is San Francisco. Cities to San Francisco to disprove the reave been ruined and ashes have port that the city has lost half its overed them, but never before unpopulation. der modern conditions. A city ruined The quake shook the life out of by earthquake and fire in the old some old firms and hastened the birth days meant that the time of recovery of many new ones. Dozens of stores would equal the age of the city up to bear the names of men who were the hour of its destruction. In this clerks before April 18. Merchants age the very evidences of destruction from other cities have stepped in and are turned into agencies of repair and established houses here. Competition improvement. Fire has rarely failed is keen, and money appears to be to bring about better conditions in a more plentiful than for many years. city, and San Francisco is no excepThe financial soundness of San tion to the rule. It is not the imFrancisco has been demonstrated in provement of the city that will make various ways. The bank clearings them marvel, however, as much as are much larger than before the fire. the rapidity with which the work Some of the new money comes from will be accomplished. insurance companies, of course, but The earthquake of April 18 caused a not all of it. The business of the few million dollars' damage-possibly banks is greater than ever. In some $10,000,000 would cover that loss. The of them thdrawals exceed deposits, fire, which had full play after the but the money withdrawn is going quake had broken the water mains, into reconstruction. Other banks are burned over 514 squares, or 2,560 piling up deposits. The other day a cres, or four square miles, the total little flurry was caused by an attemptloss being estimated at $500,000,000. ed run on the Hibernia bank, one of On-this property there was insurance the largest institutions in the counmounting to about $315,000,000. Of try. It was a grotesque failure as a this insurance about $150,000,000 had bank run. The bank has 80,000 acbeen paid in cash to policyholders up counts, receiving no deposits exto September 15. ceeding $3,000. It is reckoned as solas

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BUILDING UP SAN FRANCISCO Citizens Make Marvelous Progress in the Work of Restoration. New Buildings, Finer Than Those Destroyed by the Earthquake and Fire, Going Up on Every Side-"City Beautiful" a Matter of Time. San Francisco.-One of the world's people away. It requires only a visit to San Francisco to disprove the regreat sights is San Francisco. Cities have been ruired and ashes have port that the city has lost half its population. covered them, but never before under modern conditions. A city ruined The quake shook the life out of by earthquake and fire in the old some old firms and hastened the birth days meant that the time of recovery of many new ones. Dozens of stores would equal the age of the city up to bear the names of men who were the hour of its destruction. In this clerks before April 18. Merchants age the very evidences of destruction from other cities have stepped in and are turned into agencies of repair and established houses here. Competition improvement. Fire has rarely failed is keen, and money appears to be to bring about better conditions in a more plentiful than for many years. city, and San Francisco is no excepThe financial soundness of San tion to the rule. It is not the imFrancisco has been demonstrated in provement of the city that will make various ways. The bank clearings them marvel, however, as much as are much larger than before the fire. the rapidity with which the work Some of the new money comes from will be accomplished. insurance companies, of course, but The earthquake of April 18 caused a not all of it. The business of the few million dollars' damage-possibly banks is greater than ever. In some $10,000,000 would cover that loss. The of them withdrawals exceed deposits, fire, which had full play after the but the money withdrawn is going quake had broken the water mains, intorreconstruction. Other banks are burned over 514 squares, or 2,560 piling up deposits. The other day a acres, or four square miles, the total little flurry was caused by an attemptloss being estimated at $500,000,000. ed run on the Hibernia bank, one of On this property there was insurance the largest institutions in the counamounting to about $315,000,000. Of try. It was a grotesque failure as a this insurance about $150,000,000 had bank run. The bank has 80,000 acbeen paid in cash to policyholders up counts, receiving no deposits exto September 15. ceeding $3,000. It is reckoned as sol-

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HOLIDAYS END; BANKS ARE IN GOOD CONDITION By Associated Press. SAN FRANCISCO, Dec. 23.-The period of legal holidays declared by Governor Gillett to meet the recent at financial stringency having of expired the leadmidnight last Saturday all ing banks transacted business as usual today. Normal conditions prevailed, and there was no run nor crush of peopl anywhere. Many deposits were made, and the withdrawal of funds did not exceed the ar unt customary during a day's business. Clearing house certificates continued in circulation, but when coin was required it was readily obtainable. The principal bankers unite in declaring that the financial trouble, which for a time caused some inconvenience, is a thing of the past. "The public seems perfectly quiet the and calms" said R. M. Tobin of Hibernia Savings bank, the largest savings institution in the city. "We are doing the usual Christmas business to enable the depositors to make their holiday purchases. Beyond that there are practically no requests for withdrawals. Any withdrawals made at present mean the loss of six months' interest. The situation so far as the savings banks are concerned is excellent. We are not even enforcing the rule of requiring notices of thirty to ninety days and such notices as were given during the holidays have practically all been cancelled." Certificates were generally accepted and in only a few instances was coin demanded and insisted upon. The savings banks have the protection of from thirty to ninety days' notice required for withdrawals. Beyond the drawing of small sums with which to make Christmas purchases there were few requests for withdrawals from the savings banks. Irving S. Moulton, cashier of the Bank of California, said: "Business today is normal. I have not noticed any differences between today and any Monday during the past three weeks. "So far as this bank is concerned it has met all demands made upon it for several weeks." Little Demand for Coin "There has been little or no demand from country banks for shipments of coin, which indicates that they are in good shape to take care of their business," said Cashier King of the WellsFargo Nevada National bank. I. W. Hellman, jr., vice president and manager of the Union Trust company. declared that today was the quietest Monday his Institution had experienced for several weeks. E. W. Wilson, vice president of the American National bank. said: 'Business today is about the same with us as on any Monday during the past month, with a possible improvement. As a matter of fact the balances of the clients of nearly all the banks have been growing smaller since the holidays were declared because of the inability of merchants and others to make collections. I think the financial situation in this city would have been he'ter had the holidays been declared off three weeks ago." At the First Nationau bank it was stated that owing to the scarcity of gold certificates would continue in circulation for some weeks yet, but that the smaller denominations were being rapidly retired. Demands for money were met with half coin and half in certificates. President Homer S. King of the Clearing House association in an interview said: "There is no excitement and no uneasiness. Business is going along just as it has been going on for the past month. Patrons who need gold are getting it and have been gretting it for three weeks. If we think the applicants want to hoard it they do not get it. Whenever there is a need for gold we supply it." When asked as to what action would be taken in regard to the, retirement of clearing house certificates President King said: "We are retiring the certificates gradually, but it will take some time. Just how long I can't say. No more certificates are being issued. The total amount in circulation is about $5.000,000. Everybody realizes that they are as good as gold and they find ready acceptance." "The clearances today." he said,