POUP, OCEAN CITY SENTINEL. OCEAN CITY. N. J . THURSDAY, SEPTEMBER 14. 1922 j , rvuK

Ocean City Sentinel Printed and PnblliM Evtrr Thortdiy ' OCEAN City PRINTING AND PUBLISHING CO. " Sentinel Building. :<«-.«-* •borr Avenue. Ocm* Citr. N. J.. Telephone 15S-J P. J. EVANS. Editor LEWIS L. BARRETT. Canard Buiiheu Manager _ Oi.ni.-ea 0 1 advartulae coi>7 »« ba at thli o Ifica not lalar than Tiiaadar noon. This rata will ha rtrirtly adharad to. Y""v Job work promptly dona l>jt ^xperienevd luhnl. SEPTEMBER II. 1322 . THE ORIGIN OF BANKS AND BANKING IN THE EVOLUTION OF SOCIETY The oriirin of hanks ami Ranking institutions, antedates the earll- - eat annals of the human race. The hanker came intu.existence in the twilight ages of primitive civilisation. "us soon as man arrived at that . stage of evolution, when he became a worshipping animal, conscious of social relations and obligations to other men, and as soon as he adopted a medium of barter and exchange. \ -The history of banking cohstituteR to the student of philosophy ' • a most fascinating study, embracing as it does the entire range of anthropological science, and because it has proved the most 'potent factor, of all secular institutions, in the evolution of civilization. It may surprise many, paiticularly those who regard" hanks ami hankers, as the incarnation of commercialism developed to the Nth degree, mechanical and soul-less, to learn that banks arc strictly of religious origin., ( \ k The earliest banks were religious institutions, the earliest hankers wejp priests — pagan certainly, nevertheless; the science of bunkink wuborn in the atmosphere of religion, and came into being a? a fcorul and social necessity. \. Prof. Henry Drummond in his remarkable book entitled "Th* — _ Ascent of Man." and in his charming, unapproachable way, introduces us to an unevolved savage, or an undeveloped earth, sprawling in" the ( sun, conscious of no desire or highea ambition, except to sprawl ano .( be happy. <| Nature however, had other designs for him. Little does he know it; he is the victim of a conspiracy entered into between the forces ol f the inanimate creation. Nature determines to make the savage move f because movement is work, work is exercise, and exercise is an agency c of evolution. First of ail, Nature set about the task of moving the savage, by ( moving herself. The earth moved uround on it* axis, alternating day r with night. Thus was the savage compelled to move or freeze. Dark- ^ ness brought wild animals out of their lair; the savage must move or ^ be devoured. The food he ate in the morning has been digested and f assimilated; the savage must move to secure more food to appease ^ the pangs of hunger, and replenish the waste of tissue or starve. Thus Nature compelled him to move, to work, to seek food and shelter. ] The movements braced up muscles, stimulated nerves, quickened ^ intellect, created habits, and the savage became a higher type of humanity. Multiply the movements and the mkn is multiplied. Make him do what he never did before, and he becomes what he never P^s before. ^ Nature moved in another direction to develope Uterrfpowere in- ^ the savage. Winter came following the summer. T\e savage was driven to dig himself a hiding place in the ground, or fH^I a cave in the rock in which to shelter himself, and to hunt the thick-furred animal, and use its skin to clothe his body. Thus man became a home- ^ builder and hunter. * To hurl a huge stone at an animal was good; to cunningly invent , ^ something to hurl the. stone still further, and with surer aim. was hotter. To strike an animal down with a branch from a tree was good; to sharpen the end of it, and convert it into a narrow or an asseai. was better. Thus the svage stepped up another rung of the ladder of evolu- ^ v tlon. and became a maker and a tool and weapon-using animal. The elemental forces of NoWte however, were not always in a benignant mood. Storms raked, attacking with pent up fury, the J erode hiding place, which the savage had built for himself. Rains deluged the earth. The ro*r of the thunder, and forked tongues of lightning cleaving the air, struck terror into the savage heart. ■ Out of this terror grew a rudimentary form of communism, and the cooperative spirit. The savage found he could better combat the ' ructivctrcis of the elemental, in fellowship with his kind. Two could accomplish more, working for a common end. than one. Thus he learned the value of coordinated action and of mutual *UPP°": and willing to surrender the smaller benefits of individualism, for Uie i larger benefits of cooperation, the family became absorbed in the tribe, and eventually the tribe in the nation. . Advancing still further in the process of evolution, the tnbal state brought about division and specialization of labor. One man devoted his energies to fighting and hunting; another became a cultivator o the soil. The hunter exchanged skins for the produce of the soil, an. the maker of dwellings, built homes for both, in barter for the herbs of the field and the spoils of the chase. The next logical step was the adoption of a medium of exchange and barter, and of a standard of values. How early this came about, in the history of human progress cannot be determined. Recent excavations h»#r, have discovered a species of flint discs, marked with " curious symbols, along with the remains of prehistoric man, and extinct monsters, which appear to have been a species of coinage in """whatever period of -time a medium of value in exchange was adopted, and whatever its form .this is certain, it became inevitable an incentive to thrift, and to accumulating and hoarding. The first form of depository for accumulated wealth, was a hole dug into the ground secretly, or a crevice in the rock. Prudence however, taught primitive man, that such a treasure house was very unsatisf actor v. It might have been accidentally discovered by another; its location might hove been forgotten; or death might have overtaken the owner, before he could have disclosed the secret to his dependents. Finally, the knowledge that he had an accumulated hoard of the media of exchanged hidden somewhere, made it necessary for him to be constantly on guard over his treasure, to the ntter neglect of every other, duty, and the peril of his life. Here again the commercial ideal came to hi* rescue. The idea o. organizing a tribal treasure house, guarded by a person ^persons of . absolute integrity, took possession of the primitive mind. Integrity, took possession o. me '■■■■■-

M 1, wis absolutely necessary that the depository should be secret arid safe, and that the custodian, should not only be a man above suspicion, but endowed with sufficient power to protect the deposits. ,■ The choice fell upon the priests of their pmgan religions rites and t ceremonies. Two factors made the priests the most suitable custodians „ or bonkers. Firstlv, inasmuch as they considered their priests were a endowed with supernatural powers, they were also considered as " rembve.l above ^fie necessity of stealing, to provide for a single whim ! or wantv. In the second place, pagan forms of re igton were all without c exception varied systems of demonism, and their religious rites and c sacrifice, all observed for the purpose of propitiaUng their .lemon | gods; consequently the priests were regard with such a .uperstiUiiu. fWT M. «• mm "T "LEE ' would not dare even to think of appropriating anytlung. committed t into their care and keeping. i Among all pagan cults, one of the oldest without question *.* , that of the ancient Droids of Britian. The savage ntes practiced by I them, consisting mainly of the propitiating of demons, with .human, i sacrifices, established its very primitive origin. Yet it is a we 1 i W. authenticated fact, that the Droidicul circle, such as still I maj , b* n at Stenehenge. and in Wales, contained a stone alUr upon which all contracts and agreements were made, and upon which deposits were I handed over into the keeping of the presiding priest. i A fragrant of cuneform tablet unearthed from the mud of the | Nile, and long antedating the dynasty of the Fharoah*. contains a 1 heiroglyphic record of certain deposits made to a pagan priest, p ing the practice was in vogue in Egypt. ' Even until the present day. it i>fttd, among the real gyp_ . whom George Borrow knew intimately, and regarded as the direc , , lineal descendents of the Egyptians, the tribal king, who is also the , '* - tribal priest, is furthermore the tribal banker. ■ An old document in the library of the British Museum, dating , back to the eleventh century, bearing the title "Ye anciente guilds and , mysteries," conveys the information that one nf the offices performed by the earliest guilds, was that of tribal custodian of wealth ,the,, L I

^ A Big Load^

depository being given, upon initiation, three signs of challenge and r one of sfhich survives until this day, in one of the v of the majomc order. I In one of his "Imaginary Conversations" Walter Savage London ! relates of a discussion which is supposed to have taken place between I Boccaccio and Petrarca, apropos to banks and bankers, in which Boc- v caccio defined their duties and functions in (he following terms: /: "To promote thrift and curb extravagance; to encourage anfril direct the circulation of wealth for the benefit of society; to direct i j rates and establish a standard of currency values; to counsel clients r upon the wise disposition of their money in loans and investments. I s The banker should be a man of absolute integrity, and the most scrupulous supervision should be exercised by the magistracy over all \ < dealings." ^ To all intents and purposes banks and bankers have complied with ; l.iese requirements all through the ages, and have proved us said, the t most potent factor in the rise and progress of civilization; the most ; potent faetor in the developemen! of industry and. commerce. Not the least important function performed by banking institu I lions, is that of bringing the small possessions of tim Average busine- - : man, and thrifty workman, the small possessions 9 the many, which ; separately could accomplish little, together into the service of the , community. I * Many of the functions, bankers and banking institutions could , perform, are not utilized to anything of the degree they should- be , j utilized. Especially true is this of the small depositor and investor I 1 the man and the woman who need the geratest help. We refer in particular to the reticlence and the resource, with , which the average small client treats his banker. We recall a state- , ment made at a banquet, by the Vice-President of one of the largest ] banking institutions, in the state of Pennsylvania. 1 "I have blundered, I admit, but I have never intentionally misguided a client. As I look back over the past, and recall instances , I where my counsel to a client was not the wisest course I have the , ■ consolation of knowing that 1 erred, because my c lent did not ™^ ' sufficient confidence in me to acquaint me with all the facts and cir- , cumstances of the case. Half-confi.lences are dangerous. I have bee able to help most materially, the man who comes to me and lays bare everything, even if in the disclosure he must appear ... his own est. , ' mation, and my professional Judgement, a colossal fool. I have comforted him with the assurance, he is not the only fool. I and that it Is my business to prevent the increase of fools, and also . help in the conversion of fools." Tta- t hw.hU » u, b, .h. bwth. con.teU.1 , ,h, w.piu» lb. C.pe ».J County B.nkou' A.»outto. ,t tbo I recent County Fair. . . ^ t W. won, loud i! the over.., perxm «h. «t«»! ■ «h« belore to I booth, know something ot the hi.h.r, »t hwkin«. ol the potkhwUhk . institution* hut pl.y.l I" tbo m.kinp ol oriltuOnn, h.» MM* jhdapnSbU to tbo ptkpotootion on.l tbo prop... TOietSjbnnk.n, ; institutions are. . . Born nut ol wool mi mmt -oooM,. ~ • >b, - ..blob nuulorn. society rosu. the in, in ol , n.t,on . BnonoUl ■wd otmngth. ». w.,.lo,o.l if th, » JT", ZZ ■ M th. Mr >«M « — • '!»•>■ monmbont upon to '"J""* V her, to support a banking institution ns a cmc and patriotic dut. ■ 1 ner, w suhh"*- - «— •— -r, r

Dr. John Handley Bombards The Anti-Prohibition Camp With Statistical Shrapnel r' "FACTS. FANCIES. AND FRAUDS, APPERTAINING TO PROHIBITION CHALLENGED IN A FIERY DISCOURSE f BY LOCAL PASTOR

There can be no two opinions ii relative to Dr. John Handley's at-.w ti tude, on the very vital issues w arslsing out of the eighteenth lis amendment to the constitution. This was maile perfectly clear in t' i lucid, une<|uivocal terms, in a dis- a : course delivererl at the First Meth- w I orlist Church, on Sunday evening h i : ° Dr. Handley had elected to dis-,P , cuss the subject of "Facts, Fancies c i and Frauds appertaining to prohibition." With the facts, the n 1 preacher stormed the rum camp of I e i the anti-prohibition, firing volley t i after volley of deadly shrapnel into n 1 their midst. it i The vague and- foolish" fancies ,» I ncncerning the efficacy of prohi- 1 v s bition, brooding in the minds of t many sincere, and conscientious s • 1 people. Dr. Handley dealt with ■ c » an<l sympathetically, but v - with sufficient logical force to have | s dissipated them to the four winds, j The wicked frauds, unscrupulous . \ 1 chicanery, vicious prevarications, | f E and deliberate deceptions, practic- t e«l by the wet party, he flayed with > t impassioned speech, and scathing i • sarcasm. '\_y' 1 Dr. Handley preface<l Htii dis- J Ej course, by stating he hail been

the air of tlie smoke screens J 'with which the anti-prohibitionists jwere endeavoring to becloud the Pious and sincere folk were be- i 'tween the horns of dilemma, uni able to decide for themselves j I whether or not prohibition did prohibit, whether -or not the passing of the eighteenth amendment, had proved a blessing or n curse to the ! country. The anti-prohibition party, were ; moving heaven and earth, in an effort to secure a namondment to the Volstead Act, permitting the 'manufacture and sale, of what ithey were pleased to call, light i wines and bedr. The arguments with which they were endeavoring bolster up their campaign, were| > ! cunningly camouflaged, that i i ; the elect were deceived. und| {undecided whether or not they j : should support the movement. j ; Dr. John Hundley read some i j very instructive excerpts, from the ! , public and written utterances, of; some of the most prominent j i statesmen and leaders, in the land , ; the question. The warning given by Arthur j • J. Volstead, unmasked the tactics | i of the anti-prohibitionists com-

jplettly. The demand for "Night j terfuge, seeing that they defined; , : light beer, as that containing up to 4 per cent of alcohol, anil light ; wines as that containing II per /Sen\of alcolioi; both of which were ! I highiV-Jntoxicating. f What they : | really ifesircd was the return into i j ixistencet and power of the foul . I saloon. : : Particularly interesting was the opinion advanced by Chief Justice Tuft. Mr. Taft frankly stated that 1 1 at the first, he hail not favored ■ ; the passing . of the eighteenth : ) amendment. Now- that it had passed, and became he law- of he Iiind( it should be enforced liter- • | ally. The amendment proposed by 1 1 the anti-prohibitionists would make » j the law a farce and a laughing stock, defeat the ends of justice 1 and complicate the operations of - the police administration. "j The argument so frequently advanced by the anti-prohibition-1 ists, that the eighteenth amendment had been forced upon the : people, and against their will, Dr. Handley shattered to fragments. Dr. Handley pointed out the ' fact, that thirty-three of the forty- ' eight States comprising the Union,

! ii.iu adopted prohibition before it t ihi.il become' a part of the constitu- Ii lion. In addition fifty per cent of P the counties of the wet states, had ii ■ adopted, local option. In . view of the .' facts, how could it be sa.d I that the amendment had become a law, against the wishes of the • people? The Southern States had de- •' dared themselves on masse in c favor of prohibition. The hatred of the southerner against the liq- | uor traffic, was intense beyond words. In fact the South had beenj' driven to favor prohibition, in <ie- « fence and for the protection of j J ; their women; mothers, wives and ' ■laughters. The colored race in the South 1 .was numerically in the majority, ' and no white woman wUs safe, where negroes could obtain intoxicating drink. Another fallacy propogatcd by the anti-prohibition party, was that juvenile delinquency had : greatly increased since prohibition i had come into force. In point of fact. Dr. Handley stated, quoting from governmental statistics, juvenile' delinquency had ■decreased fullv .52 per cent under I j prohibition. I 1 Twenty-five per cent of o n jails I jweic without prisoners, and in all I ! c> hers, the number of pri sorters j had decreased from 15 to HO per" ' cent. In all sixty penal institutions

; had been closed, and sixty-two t j Kecley Institutes. " ' "Let no man therefore say," de- ' ' clared the preacher, "that prohibi- " tion-does not prohibit." ' Nor "was there, said Dr. Handley ' any ground for the assertion that. prohibition had increased taxation. £ The inflation of taxes had come to I pass through %the war, and not ■ through prohibition, f. Dr. "Handley- concluded his stir- ; e ring discourse, with an appeal to t his congregation, to lend all their; i| morals and franchise support to I Ii the enforcement of the*law. The ,1 nations of the world were watching e America, watching and marking - what would be the ultimate result y of prohibition; c European countries, as Austria g for example, had sent commissioner's over to study the situation, the f sumo investigators having returned, declaring that prohibition was .. proving itself the greatest boon to mankind, during the centuries of |. the Christian era. e Prohibition Officer, Rev. J. B. r. Adams was present and took part in the introductory service. At the ■ e conclusion of his discourse, Dr. ■- Handley introduced Rev. Adams to l, the congregation, the latter stating

' MONEY TO LOAN ON MORTGAGE ' No waiting for two weeks to know if you can get it; we can tell at - once. Bargains in Bay and Ocean front properties. Choice cottages for. sale. Also lots for investment and for improvement — the choice of Ocean City. Apply to } M CHESTEK * CO, . . Ocean City, N. J.; HURLEY-JONES CO. H-lrlsrruioi « Msltlos ^runswlek Rerordr y Itu iT" tamji r'ooTroni » HURLEY-JONES CO. WALTtn n. CHATTIN A SON. MORS. 1116 ASBURY AVE. r — 1-

AX UNLOCKED WINDOW g has furnished easy access for many a burglar. , g The , proper place for your v^iRles — where they are i S secure from lire and theft is our Safe Deposit Vault. ! B Boxes for rent $S, $5, and $8, per year. i First National Bank I OCEAN CITY.iy.J. SPECIAL EXCURSION TO PHILADELPHIA s- $1.50 Sunday, September i7, 1922 Hpeelal Tlck.1. awsl enlr on Tr.lni Imrlna EuUrn i Ocean City <4th St.) w 5.66 A. H7 f 6.56 A. M. Ocean City (7th St.) 5.57 A.M. | 6.57 A. M. Ocean City (10th St.) / 6.00 A.M. I 7.00 A.M. 1 Ocean City (11th St.) 6.02 A. M. | 7.02 A.M. | Ocean City (34th St.) 0.06 A.M. i 7.06 A.M. I Ocean City. (51st St.) - 6.10 A.M. I 7.10 A.M. Palermo _a. 6tM A. M. | 7.14 A. M. I Petersburg 6.20 A. M. ) 7.20 A. M. 1 Tuckahoe 6.30 A. M. I 7.30 A. M. 'j Philadelphia, Arrive 7.45 A.M. 8.45 A.M. RETURNING Leaves Philadelphia (Chestnut and South Street Ferries 6.30 P. M. (Standard Time) 7.30 P. M. (Daylight Time) Philadelphia & Reading System , \TLaVrtC CITT RSILHOAI) • *

that if any person know ing of a violates in Ocean City, re- v port edsthe saiiie to him, he would h imme^ately attend to the mutter.- o Sunday's music wafs f!i charge of* Hurry II. Lake who provided I ■ splendid quartette .consisting of t . himself as tenor. Walter Sherman t as bass. Sirs. Florence Anderson I i contralto. I The quartette, gave two charm- . ing . renditions of Paul Rodney's | "Calvary" and Dr. I. B. Wilson's. ,j"Hark. Hark my tjoul." '• In con- } ■ elusion they gave a very effective r rendition of "Now the Day is. over" , I by Speaks. In due season. Prof. Lake expectif ! to have the full choir back at , work. PERSONALS Among recent visitors to this |t resort, were Joseph E. Emhpry and r family of I.ogan. Mrs. Mary Wood of Philadelphia, y has returned home after spending II | "■ " d ,:iNiagara FALLS •" EXCURSIONS £<At I'lWIUrtIO

$16.80 t- •, " .TV*";1.,.."' laS£ > •; EXCURSION TRAIN LEAVES 1 ' ji *.« A.;r ° ' 1 °" ^.Tlck«» j-Qo.1 u. IWMriHjU on » 1 F^h. ' clkl>« ■ , V«IW>. I V Proportsknale f.rw from olhrr f sood for It d.,. Pennsylvania System Dro.dwsr Limited ; : y-

happy vacation in this city. BrT. wood wasVaccompanied hei e by granddaughter. Miss O'Briei- ■ of Philaiielphin. ' Mr. and Mrs. Alfred R. Haig. of Philadelphia, accompanied by their daughter, were among recent vjsj. i tors to this city. Mr. liaig is welli and esteemed, in legal cir- ■ cles in Philadelphia. • ■ FOR SALE Desirable Lot . West Ave. below 16th, East Side Ao'sSMITH, Collingiwood.f J. * '/'• • 1 . r ■■ TRAVELING MAN HAS STOMACH RECONSTRUCTED Fainting Spells and Distress "' Relieved by Jaques' Littlo Wonder Capsules "Last October." writes Walter ,,"nrmln. traveling nalda man of Rich, lold^ Springs. " k 'fjj1*" 1 with Indigestion, dyspepsia and \ ■loatcd feellng.brougbt on bv exceaa aa. Fainting spells would at lank aie suddenly, nnd 1 was In dire ill,, tress. In seeking relief. I was advised to try J AGUES' I.ITTLB WONDER CAPSULES. This I did and before reaching the hotel that night for retiring I had decided relief. I felt so much better the following morning that I purchased at* additional box. and found that on's . rapsnlo following each meal has since reconstruc.to<l my stomach- and now feel remarkably well. Mr brother-in-law recently had an acuta attack of Indigestion, something that often troubled him. and wlthla a few minutes after swallowing two of tho capsules, he was relieved." . If you arc one of tho suffering by using Jaques" Little Wonder Capsules. Just swallow one or two capsules nnd you will find prompt relief. The pure gelatin covering dissolves within ono or two minutes lag tho finely powdered medicines to do their effective work. Ono caosulo aids In digesting 5.009 pains of food. If you are bothered with Indites'tlon. dyspepsia, catarrh of tho stomach, sour stomach, dizziness af- , stipatlon try tills valuablo prescription. Twelve davs' treatment costs but *0 cents. Janues" Little Wonder Capsules nro sol.l under & strict guarantee of satisfactory results or money refunded.

> The Ocean City Building and Loan Association is offering f special inducements to persons haying small amount# invested at 6 per cent, pe rannum. Call at 408 Eighth Street, and Mr. Thorq, the Secretary, will explain. As the numl>er of shares is limited, e do not delay. ' < 0 All business transacted through this office is in accordance )vith the • * following slogan "This office does and maintains strictly a brokerage business and is in no way interested in personal speculation." Result : A sale completed on the above principal profits both Seller and Buyer. Write for listings and maks your headquarter.-! with it Clayton Haines Brick REALTOR if 411 EIGHTH SV. _Oef«N CITV N J *l~ J Ewing T. Corson REALTOR •7-b-7- asburv ave, ocean citv. n. J. phone 470-w jobbing and alterations HOWARD O. MacPHERSON Practical Carpenter and Builder "Satiafaction 1« Our Motto" 1021 ASBURY AVENUE B I l WALTER TOMLIN PLUMBINC and HEATINC : 138 ASBURY AVENUE OCEAN CITY NEW JERSEY Heated Apartments to Rent FOR THE WINTER j' See 1 5 .V HON 412 ELEVENTH STREET Ocenti City, N. J. JJ linen netting 30 inch Drab Ji $3.40 Per Roll 33 " , % . 3.65 " 36 " " 4.15 Also Copper and Galvanized Wire EVERYTHING TO BUILD A BUILDING G. H. Shoemaker Lumber Go. ^ 12th and West Avenue -11 .J 1